Terms and Conditions

These Terms and Conditions (“Terms”), along with our Privacy Policy and any additional policies, constitute a binding agreement between **ANIK FINANCIAL SERVICES PRIVATE LIMITED**, an RBI-registered NBFC–MFI (“Company”, “we”, “us”, “our”), and **you** (“you”, “your”), governing your access to and use of our website, mobile applications, and all related products or services (collectively, “Services”).

By accessing our website or using any of our Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms. We reserve the right to modify or update these Terms at any time without prior notice. You are advised to review these Terms periodically to remain informed of updates.

1. Eligibility & Account Responsibility

To access certain Services, you must provide accurate, complete, and updated information during registration and thereafter.
You are solely responsible for all activities carried out using your registered account, login ID, or credentials.
Misrepresentation of identity or information may lead to suspension or termination of Services.

2. Accuracy of Information

While we strive to ensure accuracy, neither we nor any third-party partners provide any warranty as to the correctness, timeliness, performance, completeness, or suitability of information provided on the Website or through the Services.
The information may contain errors or inaccuracies, and we disclaim liability to the fullest extent permitted by law.

3. Use of Services

Your use of the Website and Services is entirely at your own risk and discretion.
You must independently evaluate and ensure that the Services meet your specific requirements.
Unauthorized access, misuse, or fraudulent use may result in legal action under applicable laws, including the RBI regulations governing NBFC–MFIs.

4. Intellectual Property

All content, data, design, logos, trademarks, and materials on the Website and Services are the exclusive property of Anik Financial Services Pvt. Ltd.

No rights, titles, or interests are transferred to you.

You shall not copy, reproduce, distribute, modify, or misuse our content in any manner.

5. Prohibited Activities

You agree not to:

Use the Website or Services for any unlawful, illegal, or fraudulent activities.
Violate any applicable Indian laws, RBI guidelines, or local regulations.
Interfere with the functioning of the Website or attempt unauthorized access to systems or networks.

6. Third-Party Links

The Website may contain links to third-party websites or services.
Accessing these links will be governed by the respective third-party terms, privacy policies, and disclaimers.
We shall not be liable for any loss, damage, or issues arising out of your interaction with such third parties.

7. Charges & Payments

You agree to pay all applicable charges, processing fees, or service fees associated with availing our Services.
All payments made for loan processing or related activities are subject to RBI guidelines for NBFC– MFIs.

8. Transactions & Contracts

By initiating any transaction for availing Services, you enter into a legally binding and enforceable contract with the Company.
All loan-related transactions are subject to eligibility checks, verification, credit assessments, and regulatory compliance.

9. Refunds

You may be eligible for a refund of fees paid in cases where the Service cannot be provided by us.
Refund timelines will depend on the specific Service or as per our applicable policy.
Failure to raise a refund request within the stipulated period will render you ineligible for a refund.

10. Force Majeure

We shall not be held liable for any failure or delay in performance of our obligations due to circumstances beyond our reasonable control, including but not limited to natural disasters, system failures, network outages, or regulatory restrictions.

11. Governing Law

These Terms are governed by and shall be interpreted in accordance with the laws of **India**, including applicable RBI regulations for NBFC–MFI operations.

12. Jurisdiction

All disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located at **Aurangabad, Maharashtra**.

13. Contact Information

For any concerns, queries, or communication relating to these Terms, you may reach us through the official contact details provided on our Website.