Terms and Conditions

Please read these Terms carefully before using our website, apps, and digital services.

Introduction

These Website Standard Terms and Conditions (these “Terms”) govern the use of this website, including all pages within this website (collectively, the “Website”). By using this Website, you expressly accept these Terms in full. Do not use this Website if you have any objections to any of these Terms. This Website is meant for information and financial transactions and may require entering into legal contracts to digitally sign transactions and therefore is not for use by minors (those under 18 years of age).

These Terms apply to your use of the software, website, smartphone applications, or other electronic means (the “Platform”). This electronic record is published under the Information Technology Act, 2000, and the Information Technology (Intermediaries Guidelines) Rules, 2011.

We may modify these Terms at our sole discretion without prior notice. Please review them periodically. Continued use of the Website means you accept the updates. Subject to your compliance, we grant a personal, non-exclusive, non-transferable, limited privilege to access and use the Website.

Refunds: If we confirm your refund request (e.g., excess EMI collected and no payment delays beyond 30 days), we may seek your bank details to process the refund. Processing typically takes 48–72 working hours from receipt of all information. For queries, email [email protected].

1. Ownership

Bhawana Capital Private Limited, a company incorporated under the laws of India and having its registered office at F-6, 711, 7th Floor, Pearls Omaxe Netaji Subhash Place, New Delhi North West DL 110034 India, is the sole and absolute owner of this Website and all content published from this URL.

2. Intellectual Property Rights

Other than content you submit, Bhawana Capital Private Limited and/or its licensors own all rights to the intellectual property and material contained on this Website. You are granted a limited license, subject to these Terms, solely for viewing the material on this Website.

3. Restrictions

You are expressly restricted from the following:

Copying, capturing, downloading, deconstructing, reverse engineering, or publishing any Website material in any media.
Selling, sublicensing, or otherwise commercializing any Website material.
Publicly performing and/or showing any Website material.
Accessing the Website in any way that is or may be damaging to it or impacts user access.
Using the Website contrary to applicable laws or in a way that causes harm to the Website or others.
Engaging in data mining, harvesting, extracting, or similar activity in relation to the Website.
Using the Website to engage in advertising or marketing.
Accessing restricted areas without authorization; user IDs and passwords must be kept confidential.
Hosting, displaying, uploading, publishing, transmitting, updating, or sharing unlawful or harmful content (including defamatory, obscene, hateful, or privacy-invasive material).

4. No warranties

This Website is provided “as is” and “as available.” Bhawana Capital Private Limited makes no express or implied representations or warranties of any kind regarding the Website or its materials. Nothing herein constitutes consultation or advice to you.

5. Limitation of liability

In no event shall Bhawana Capital Private Limited, nor its officers, directors, or employees, be liable for anything arising out of or in any way connected with your use of this Website under any theory of liability, including indirect, consequential, or special damages.

We are not responsible or liable for injury, loss, act of God, accident, delay, or any direct or indirect damages arising from failures, delays, use/inability to use the Website, or performance /non‑performance by us or any provider, or for viruses that may infect your device as a result of access or downloads from the Website.
Third‑party links: We have no control over third‑party websites. We are not responsible for their availability, content, products, or materials.

6. Indemnification

You agree to indemnify Bhawana Capital Private Limited against all liabilities, costs, demands, causes of action, damages, and expenses (including reasonable attorneys’ fees) arising from your breach of these Terms, policies, or applicable law, or violation of third‑party rights.

You are solely responsible for your device capability, internet connection, and other specifications required to use the Platform.
You will indemnify and hold Bhawana Capital harmless from losses arising from improper use of any intellectual property of Bhawana Capital or any third party accessible via the services.

7. Severability

If any provision is found unenforceable or invalid, the remainder shall continue in effect.

8. Variation of Terms

We may revise these Terms at any time. You are expected to review them regularly.

9. Assignment

We may assign, transfer, or subcontract our rights and/or obligations without notice. You may not assign or transfer your rights or obligations under these Terms.

10. Entire Agreement

These Terms, including legal notices and disclaimers on this Website, constitute the entire agreement between you and Bhawana Capital Private Limited regarding your use of the Website and supersede any prior agreements. If any clause becomes illegal, invalid, or unenforceable, the remainder remains effective.

11. Digital Contracts

The Website provides financial services, including advancing loans to eligible users, requiring execution of loan agreements online. Agreements will be displayed on the Website and must be digitally signed using Aadhaar‑enabled eSign under applicable IT Act rules, and are binding.

Uninstalling or discontinuing use of our services does not release you from obligations to repay outstanding amounts or charges.
You are solely responsible for activities under your user account and maintaining confidentiality of credentials. We may accept or reject registration at our discretion.

12. Governing Law & Jurisdiction

These Terms are governed by the laws of India. You submit to the non‑exclusive jurisdiction of the courts in Delhi / NCR, India, for dispute resolution.

Questions about these Terms?

For clarifications or queries related to these Terms, you can write to us:

Corporate Office: Level 18, One Horizon Centre, DLF5, Gurgaon-122002, India

[email protected]

RBI and IT Act compliant