Terms of Service

These Terms of Service ("Terms") constitute a legal agreement between you ("User," "you") and EMAR FISCAL SERVICES PRIVATE LIMITED ("Emar Loan," "we," "our," "us"). These Terms govern your use of our mobile application ("App") and related services ("Services"). By accessing, downloading, or using our App, you explicitly agree to comply with these Terms. If you disagree with any of these terms, please cease using our Services immediately.

Eligibility to Use Services

By using Emar Loan, you affirm that:

You are an Indian citizen currently residing in India.

Your age is between 20 and 59 years.

You possess the legal capacity to enter into this binding agreement.

All personal information provided during registration and use of the App is truthful, accurate, and up-to-date.

We reserve the right to refuse service if you fail to satisfy any of these conditions.

Account Registration and Security

Registration:To utilize our Services, you must create an account within the Emar Loan App, providing accurate and current personal and financial information.

Account Security: You are solely responsible for maintaining the confidentiality of your login credentials (username/password). Notify us immediately at support@emarfiscal.com if you suspect any unauthorized access or security breaches.

Information Update:You agree to promptly update any changes to your personal or financial details to maintain accuracy.

Loan Application and Approval

Application:Loan requests submitted via Emar Loan require complete and accurate information, including financial documents and identification.

Approval:Loan approvals are strictly at Emar Fiscal Services Pvt Ltd’s sole discretion. We may approve, modify, or decline applications based on creditworthiness, documentation, eligibility, and internal assessments.

Loan Agreement:Approved applicants will receive a separate digital loan agreement detailing specific terms for acceptance before disbursement.

Fees, Charges, and Interest

You will be transparently informed of all applicable interest rates, processing fees, GST charges, late fees, and any other applicable fees or charges prior to loan acceptance.

Acceptance of loan funds confirms your obligation to repay principal, applicable interest, and any additional fees within the agreed timeframe.

Repayment Terms

You agree to repay loan amounts as per the repayment schedule specified in your loan agreement.

Late repayments will attract additional daily fees of 0.5% of outstanding principal, impacting your overall repayment obligations.

You may repay the full loan amount at any time before the scheduled repayment date without incurring prepayment penalties.

Responsible Usage

By using the Emar Loan App, you agree NOT to:

Use the App or its funds for any unlawful, fraudulent, or prohibited purposes.

Misrepresent your identity, financial condition, or personal information.

Attempt unauthorized access, interfere with security protocols, or disrupt service functionality.

Share, distribute, or transmit harmful or malicious software or data.

You must comply fully with applicable laws and regulations of India.

Suspension and Termination

We reserve the right to temporarily or permanently suspend your account without prior notice if you:

Violate any terms of this agreement.

Provide false, misleading, or fraudulent information.

Engage in activities posing risks to EMAR FISCAL SERVICES PRIVATE LIMITED or other users.

Termination does not waive your obligations regarding outstanding loan repayments or other accrued charges.

Limitation of Liability

EMAR FISCAL SERVICES PRIVATE LIMITED will not be liable for direct or indirect damages or losses, including financial losses, data loss, or reputational harm arising from your use or inability to use our App or Services. Your use of the App is entirely at your own risk.

Indemnification

You agree to indemnify and hold harmless EMAR FISCAL SERVICES PRIVATE LIMITED, our directors, employees, affiliates, and partners against any claims, liabilities, or losses arising from your violation of these Terms, misuse of the App, or breaches of applicable laws.

Changes to Terms

EMAR FISCAL SERVICES PRIVATE LIMITED reserves the right to revise or modify these Terms at any time. Notification of changes will be provided within the App or via email. Continued use after such changes constitutes your acceptance of the revised Terms.

Governing Law and Jurisdiction

These Terms are governed exclusively by the laws of India. Any disputes arising from the use of Emar Loan App shall fall under the jurisdiction of the competent courts in Kolkata, West Bengal.

Contact and Support

For any queries, concerns, or assistance related to these Terms, please contact us:

EMAR FISCAL SERVICES PRIVATE LIMITED

Address: 157, Rabindra Sarani, 3rd Floor, Kolkata, West Bengal, 700007

Email: support@emarfiscal.com