Welcome to pay1emi.com. These Terms and Conditions govern your use of the services provided by PAY1EMI Consultancy Private Limited (hereinafter referred to as the "Company"). By accessing or using this Platform, you signify your agreement to be bound by these terms.
By accessing or using this Platform, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must immediately stop using our services.
PAY1EMI Consultancy Private Limited acts strictly as a facilitator connecting users with various Banks, NBFCs, and financial institutions.
- We are NOT a Bank or a Non-Banking Financial Company (NBFC).
- We do not provide loans directly from our own funds.
- The final decision on loan approval, interest rates, tenure, and processing fees rests solely with the respective lending partner.
Users are responsible for providing true, accurate, and complete information. Submitting forged documents or misleading information is a serious offense and may lead to the immediate cancellation of services and potential legal action under applicable Indian laws.
You explicitly provide consent to be contacted by our team or our partners via Call, SMS, Email, or WhatsApp regarding your application, overriding any DND/NDNC registration.
The Company provides consultancy to improve your chances of getting a loan, but we do NOT guarantee that your loan application will be approved. Approval is subject to the internal credit policies, credit scores (CIBIL), and eligibility criteria of the lending institutions.
The Company, its directors, or employees shall not be held liable for:
- Any rejection of loan applications by lenders.
- Any disputes arising between the User and the Lending Partner after the loan is disbursed.
The Company strives to keep the Platform operational at all times. However, we are not responsible for any temporary unavailability of the website due to technical maintenance, server downtime, or external factors beyond our control. We shall not be liable for any data loss or service delay during such periods.
All content, logos, graphics, and trademarks displayed on pay1emi.com are the exclusive property of PAY1EMI Consultancy Private Limited. Any unauthorized reproduction or distribution is strictly prohibited.
Our facilitation services on pay1emi.com are completely free of charge for all users. We do not collect any service fee or upfront charges.
However, the lending partner (Bank/NBFC) may charge a Processing Fee (PF) or other statutory charges as per their policies, which are handled directly by the lender.
Our Platform may contain links to third-party websites. We do not own, endorse, or take responsibility for the content, privacy policies, or practices of these external sites. Accessing these links is at the user's own risk.
These terms are governed by and construed in accordance with the laws of India. Any disputes arising out of these terms shall be subject to the exclusive jurisdiction of the courts located in Noida, Uttar Pradesh.