Welcome to Emitra Finance. By accessing, registering, or using our website and services, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully before using our platform.
If you do not agree with any part of these terms, you are advised not to use our services.
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1. About Emitra Finance
Emitra Finance is a service facilitation and guidance platform that assists users in applying for loan products and availing financial, documentation, and compliance-related services. Emitra Finance is not a bank, NBFC, or direct lender.
All loan approvals or rejections are solely at the discretion of third-party financial institutions or lending platforms.
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2. Scope of Services
Emitra Finance provides assistance for the following services:
• Business Loan, Personal Loan, Home Loan, and Instant Loan applications
• GST Registration
• Udyam Registration (MSME Certificate)
• PAN Card (New & Correction Services)
• Income Tax Return (ITR) Filing
• Other related financial and compliance services
Our role is limited to guidance, application assistance, and facilitation.
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3. Registration & Portal Charges
• The fee mentioned on the website is charged only as a registration or portal service fee.
• This charge is taken for accessing our platform, guidance, and service support.
• No part of this fee is a loan processing fee, file charge, or guarantee fee.
• The registration/portal charge is non-refundable, irrespective of loan approval, rejection, or service outcome.
• By making payment, the user agrees to these terms unconditionally.
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4. No Loan Guarantee
• Emitra Finance does not guarantee loan approval.
• Loan approval depends entirely on:
o Customer’s documents
o Eligibility criteria
o Income profile
o CIBIL / credit score
o Lending institution’s internal policies
• Emitra Finance is not responsible for loan rejection, delay, or change in terms by the lender.
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5. Loan Processing Time
• Loan processing timelines may vary based on the lending institution and customer profile.
• If a loan is possible, Emitra Finance may guide the customer, and the approximate time may range between 7 to 15 working days.
• This timeline is indicative only and not a commitment or guarantee.
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6. No Commission Policy
• Emitra Finance does not charge any commission, success fee, or percentage from customers.
• We do not charge any fee after loan approval.
• We do not earn or demand any amount linked to loan disbursement.
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7. No Cash Transaction Policy
• Emitra Finance strictly does not deal in cash.
• All payments must be made through authorized digital payment methods only.
• Any cash transaction done by a customer with third parties claiming association with Emitra Finance will be at the customer’s own risk.
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8. Customer Responsibilities
The customer agrees to:
• Provide accurate, complete, and genuine information
• Submit valid documents only
• Ensure correctness of personal, financial, and business details
• Understand that false or misleading information may result in service rejection
Emitra Finance is not liable for consequences arising from incorrect or fraudulent information provided by the customer.
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9. Third-Party Platforms
• Loan applications may be submitted to third-party lenders or platforms.
• Emitra Finance is not responsible for:
o Decisions taken by third-party lenders
o Changes in loan terms, interest rates, or conditions
o Any dispute between customer and lender
• Customers are advised to read and understand the lender’s terms before acceptance.
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10. Limitation of Liability
Emitra Finance shall not be held liable for:
• Loan rejection or delay
• Financial loss due to lender decisions
• Technical issues beyond our control
• Misuse of information by third-party platforms
• Any indirect, incidental, or consequential damages
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11. Refund Policy
• All registration/portal charges paid to Emitra Finance are non-refundable.
• No refund will be issued under any circumstances, including loan rejection, delay, or customer withdrawal.
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12. Intellectual Property
All content on the Emitra Finance website, including text, logos, graphics, and design, is the intellectual property of Emitra Finance and may not be copied, reproduced, or used without prior written permission.
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13. Modification of Terms
Emitra Finance reserves the right to modify or update these Terms & Conditions at any time without prior notice. Continued use of the website constitutes acceptance of the updated terms.
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14. Governing Law
These Terms & Conditions shall be governed and interpreted in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of the competent courts in India.
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15. Contact Information
For any questions, clarifications, or support related to these Terms & Conditions, customers may contact Emitra Finance through the official contact details provided on the website.
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By using Emitra Finance services, you acknowledge that you have read, understood, and agreed to all the above Terms & Conditions.
