• Company: Everyday EMI Loan is referred to as "We" or "Us."
• Customer(s), You, End-Users: Refers to anyone who makes use of, downloads from, gains access to, or looks at the contents of the Platform.
• Credit: refers to the loan that you may apply for on the Platform and that the LENDER will approve and award as long as you abide by the loan agreement's terms and conditions.
• Loan Contract: the agreement, either in paper or electronically, that the LENDER and the Customer(s) sign to issue the loan, depending on the situation.
• Remarkable Amount(s): refers to the total amount of loans that you owe the lender on the due date(s), including interest and additional payments.
• Base: refers to the entire website.
• Provided services: pertain to the LENDER's use of the Platform to lend, approve, and award either short- or long-term loans.
• Forums for Third Parties: Social media platforms such as Facebook, LinkedIn, and other such ones.
• User Information: any data, documents, materials, or information that customers email the business either before or after utilizing the services.
• Online platform: refers to the website, www.everydayemiloan.com, which the business oversees and operates to offer services.

ABOUT EVERYDAY EMI LOAN

The Everyday EMI Loan is a product of Agarwal Assignment Pvt. Ltd., an NBFC that specializes in offering short-term business loans to all entrepreneurs, regardless of size. Our platform makes sure that companies may easily and quickly obtain the capital they need for expansion and ongoing operations. Whether you require funding for unforeseen costs, cash flow management, or business expansion, Everyday EMI Loan provides a dependable option.

To safeguard your financial and personal information, we adhere to industry standards for security measures. You accept our terms and conditions by using our services, which guarantee a safe loan application procedure. Please use the channels on our website or mobile application to contact us if you have any queries or issues.

SERVICES

Through the services provided by NBFC Company Agarwal Assignment Pvt. Ltd., you can apply for a loan if you meet the eligibility standards stated on our website Everyday EMI Loan. For entrepreneurs and companies of all sizes, Everyday EMI Loan website offers a range of short-term business loan options. By applying, you understand that the Company will need to collect, authenticate, locate you, validate, and confirm your User Data, papers, and details to grant the loan.

You must create an account with the Company by logging in with your Third-Party Platforms ("User Account") to utilize the services. You must share and upload your user data on the application form as part of the application process. Personal data including your name, email address, gender, date of birth, mobile number, passwords, picture, and phone details are all included in this user data. Financial data from Credit Information Companies, data from Third-Party Platforms, bank records, pay stubs, bank statements, PAN cards, bank account numbers, and other relevant information are also included ("Personal Information").

You promise to provide true, full, and correct personal data at all times. As part of the services, you authorize us to import your data and Personal Information that are dispersed across Third-Party Platforms to authenticate or validate. You acknowledge and consent to the possibility that we will periodically request changes to such Personal Information from Third-Party Platforms and that we will receive such updated information from them. The Company won't use its discretion in any transactions handled on your behalf; instead, it will only act by your clear instructions or agreement. Furthermore, you grant the Company permission to select the Credit Information Companies from which your credit information report will be obtained periodically.

The Company will handle your User Data and other documents in the Application Form after you have reviewed and uploaded them. After the Company has completed document verification, the LENDER may authorize the loan if you meet the eligibility conditions and other terms stipulated for loan sanctioning. The ECS/NACH mandate form, check, or any other document the lender may require, must then be completed and uploaded. The actual documentation, including signatures on forms required for loan processing and sanctioning, may be gathered by the Company. After the Company has gathered the required paperwork, the LENDER will make loan disbursements according to the terms and conditions of the Loan Agreement. Within the designated 48 hours, the authorized loan will be electronically transferred and instantly deposited into your bank account.

The Application Form specifies dates for repaying the Outstanding Amount(s) to the LENDER. You acknowledge and agree that the Company has the right to follow your location ("Track") while the services are being rendered, up until you fulfil your responsibilities to pay the LENDER the Outstanding Amount(s). You will remain liable for the Outstanding Amount(s) and will not be relieved from this obligation even if you cease using our services. You understand and accept that you will bear full responsibility for any activity that occurs under your User Account while you are using the services. You acknowledge and agree that the Company shall not be responsible or liable for any disagreements, losses, or claims arising out of the use or abuse of the services. When using the services, you are the only one who is in charge of maintaining the privacy of your User Account and any related behaviour. Without giving a reason, the Company is free to accept or reject your registration for the services.

You acknowledge and accept full responsibility for the operation of the electronic devices and internet connection you use to access the Platform. The Platform's or the services' functioning on your electronic device is contingent upon the availability of hardware, software requirements, an internet connection, and other features and specifications that may occasionally be required. For your convenience, the Company maintains a record of the User Data you submit during registration. You do not always need to log into your User Account to use or access the Platform. You acknowledge and agree that we may track, retrieve, and use User Data, including but not limited to your Personal Information, for authentication and any updates regarding your login credentials by accepting these Terms.

REGISTRATION

Everyday EMI Loan provides short-term business loans to companies of all sizes. Register with any email service provider, such as Gmail, by supplying:

• Name
• Distinct login name
• Email address
• Gender
• Date of birth
• Contact number
• Passwords
• Kind and place of work
• Pay stub
• Pay stub
• Other proof of income
• PAN card details
• Bank statements

Additionally, you can connect your Facebook or Google Plus accounts. Make sure the details associated with your account are correct and confidential. Any actions arising from inappropriate account management are not the responsibility of Everyday EMI Loan website. If someone unauthorized accesses your account, please get in touch with us.

ELIGIBILITY

Everyday EMI Loan provides short-term business loans with daily interest payments to companies of all sizes. Users must be able to enter into contracts to apply. Users who are underage or who have not been declared bankrupt are not permitted to use this website. Clients between the ages of 13 to 18 may, however, access the website with parental or legal guardian supervision provided they comply with these Terms of Access. If a user is found to be underage, we maintain the right to reject or delete registrations and limit access. Take advantage of easy and adaptable financing options designed to fit your company's requirements. Simply apply with a few basic details, and keep your account safe.

SAFETY

We are dedicated to protecting the security of your transactions and personal data. Everyday EMI Loan is a product of Agarwal Assignment Pvt. Ltd. Modern encryption methods are used on our website during transaction processing to shield user information from unintentional exposure to outside parties. We guarantee the security of your financial information by not accepting, storing, or keeping any credit or debit card information.

PERMISSION AND ENTRY

You are granted a limited sublicense by Everyday EMI Loan.  This license forbids you from downloading any portion of the website (except from page caching) or making changes to it without the company's prior written authorization. In particular, the limited sublicense disallows:

• Information that is downloaded or copied to help another retailer.
• Making use of robotics, data mining, or comparable methods for obtaining and extracting data.
• Reselling or using the website or its contents for profit.
• Gathering and applying product details, costs, or listings.
• Any more improper use of the website or its materials.

You are not permitted to view, copy, reproduce, sell, resell, or use any part of this website for commercial purposes without express written consent from Everyday EMI Loan. This includes enclosing any brand, logo, or other proprietary information (such text, photos, page layout, or forms) via frame techniques without getting permission first.

ACTIVITIES PROHIBITED

To prevent unauthorized access to any area of the website, its features, servers, computers, networks, or any services offered on or via the website, you agree not to participate in any unlawful activity. This covers password mining, hacking, and other illicit techniques. Furthermore, you agree not to host, show, upload, alter, publish, transmit, update, or distribute any data that:

• Is owned by someone else and over which you are not granted any legal authority.
• Is blatantly insulting, intimidating, defamatory, obscene, pornographic, pedophilic, libellous, invading another person's privacy, hateful, undesirable based on race or ethnicity, or illegal in any other way.
• In any manner injures kids.
• Violates any form of intellectual property, such as copyrights, patents, trademarks, and other proprietary rights.
• Disregard any existing legislation.
• Tells the receiver something blatantly unpleasant or frightening, or misleads them about where the messages are coming from.
• Puts on a false persona.
• Has computer code, files, or programs designed to interfere with, destroy, or limit the usage of any computer resource, such as software viruses.
• Puts in jeopardy a country's unity, integrity, defence, security, or sovereignty; endangers cordial relations with other countries; undermines public order; incites criminal activity; obstructs criminal investigations; or is offensive to any other nation.
• Is misleading or in any way shown to be untrue.

OBSERVANCE AND IMPLEMENTATION

You acknowledge that you are responsible for abiding by all relevant local, state, federal, and international laws and regulations by using the Everyday EMI Loan website. If you break these terms, Everyday EMI Loan. has the right to stop your access to the website and take the appropriate legal action. We stress the need for responsible usage and anticipate that users will keep their accounts secure and intact. Everyday EMI Loan offers a simple and safe online experience while placing a high priority on user protection and privacy. You help to ensure that this platform is effective and safe for all users by abiding by these terms and conditions. Kindly get in touch with us right away if you have any concerns about security or illegal access. Maintaining the highest levels of security and service quality requires your involvement.

COMMUNICATIONS

You consent to receive marketing materials, emails, and SMS communications from us and our affiliates when you use Everyday EMI Loan. We might get in touch with you via third-party channels for advertising, promotions, or informational queries. You can send an email to Everyday info@everydayemiloan.com or get in touch with our customer service staff to unsubscribe from these messages. Our contracted service providers might also get in touch with you about our agreements and rules. We will treat your information by our privacy policy and will not give your contact information to unaffiliated third parties.

THE USER'S RESPONSIBILITY

At Everyday EMI Loan, we're dedicated to providing our customers with the best possible security and service. To maintain the security and integrity of our services, you have certain responsibilities and restrictions as a user of our platform. These responsibilities and the permitted uses of our website are described in this document.

• Activities Banned:- Money laundering, embezzlement, and any other inappropriate use of borrowed funds are among the criminal actions for which users are barred from using the Everyday EMI Loan platform. No unauthorized use of the website is permitted. When using our services, users must abide by all applicable laws and regulations.
• Content and Intellectual Property:- Every piece of intellectual property is safeguarded, including information and applications downloaded from the Everyday EMI Loan website. Without Everyday EMI Loan's prior written approval, users are not allowed to copy, reproduce, distribute, alter, rebuild, reverse engineer, upload, publish, transfer, or sell any data or software from the website. Permission to use restricted materials must be obtained in writing. It is prohibited for users to change any data or information on the website without permission, copy content for personal or professional use, or reproduce it in large quantities.
• Limitations on Access:- Users agree to access the website, its materials, and services only through the provided interface. Any attempt to access the website using deep-linking, robots, spiders, or other automated tools, software, algorithms, or processes to view, obtain, duplicate, or track any part of the website or its content is strictly prohibited. Unauthorized access to any part of the website, its features, or any systems or networks connected to it is forbidden.
• Uploading and Publishing Content:- It is the responsibility of users who have the ability to submit or post data or information on the website to make sure that it is appropriate and lawful. Users consent to refrain from:
  • To harass, coerce, threaten, denigrate, undercut, abolish, demean, or violate someone else's legal rights.
  • Take part in any activity that makes it difficult or impossible to use the website or its services.
  • Make false claims or misrepresent their affiliation with any individual or organization.
  • Publish, post, or distribute any content that violates someone else's privacy, is hateful, offensive to any specific race or ethnicity, intimidating, defamatory, obscene, pornographic, pedophilic, libelous, or connected to or promotes money laundering or gambling, among other illegal activities.
  • Upload any file that infringes upon the copyright, patent, or trademark of another party.
  • Upload or distribute files that are infected with viruses, corrupted files, or any other comparable software that could compromise the operation of the website or someone else's computer.
  • Save any file that another user has uploaded, even if you know or should know that it can't be distributed legally in this manner.
  • Check if any security or authentication protocols are being violated and investigate, scan, or test the website or any network connected to it for vulnerabilities.
  • Search for, follow, or make an effort to follow any information on a different user or website visitor.
  • Do harm to any other network that is connected to or accessible through the website, its servers, accounts, passwords, system resources, or any other network.
  • Interrupt or alter the security of the website.
  • Compile or store data about other users in relation to actions that are prohibited by this section.
  • As specified in these terms of service, use the website or any of its contents or information for any illicit or prohibited purpose.
  • Violate any conduct guidelines or other laws that pertain to a particular service.
  • Disobey any existing rules or laws, whether they originate from inside or outside of India. Hold Everyday EMI Loan accountable for something, or force us to stop using the services of our ISP or other suppliers (in whole or in part).
• Promotion and Requests:- Users are not permitted to advertise to other users or solicit them to buy or sell any goods or services without prior explicit consent from Everyday EMI Loan. This includes any information from the website to harass, abuse, or harm any person. Contacting, advertising to, soliciting, or selling to someone other than Everyday EMI Loan without first receiving our express approval is prohibited.

CONTENT OBSERVATION

There is no requirement for Everyday EMI Loan to keep an eye on the content posted on the internet. However, any information that purports to violate these terms of service or any relevant laws may be removed or altered at our discretion. The content that users disclose in private discussions and on the internet is solely their responsibility. For any content posted, as well as for any claims, losses, or damages resulting from the use or presentation of content on the website, we expressly disclaim all duty and obligation. Users guarantee and declare that the content they provide and the information it contains are within their legal rights and do not violate any third parties' intellectual property rights or contain any information that is defamatory, tortuous, or illegal in any other way.

SECURITY PROCEDURES

It is prohibited for users to try to gain unauthorized access to any area of the website or any other systems or networks connected to the website by hacking, password mining, or any other illicit means. Any action that endangers the peace, stability, defense, security, or sovereignty of India or any other country, diplomatic relations with other nations, public order, the ability to stop criminal investigations, or the encouragement of criminal activity is strictly prohibited.

• Restrictions on Use:- The use of this website, or any of its contents or information, for any purpose prohibited by these terms of service or illegal shall not occur. Users covenant not to engage in any activity that violates any current laws or regulations that are in force in India or abroad, or that goes against the terms of service, including any applicable additional restrictions of the website that are contained herein or elsewhere.
• Respect for the Law:- Users, whether from India or elsewhere, agree to follow all existing laws and regulations. This means following any behaviour codes or other guidelines that may apply to a particular service.
• Content Restricted:- Users agree not to publish, upload, or otherwise make false, misleading, or inaccurate information public. Anything that is banned or prohibited by the terms of any applicable legislation, rule, regulation, or guideline may not be offered, attempted to be offered, traded, or attempted to be traded, either directly or indirectly.
• Responsibility and Accountability:- Users agree not to hold Everyday EMI Loan legally liable or cause our internet service provider or other suppliers' services to be lost entirely or partially. The maximum amount of emails or messages that a user may send to other users in a given day may be restricted by us at our sole discretion. We may disclose any user information that we believe is required to abide by a law, regulation, or lawful request from the authorities.
• Acceptance of the Conditions:- Users agree to abide by these terms and conditions by accessing or using the Everyday EMI Loan website. If users breach these terms, access to the website and its services may be halted or revoked.

DISCLAIMS CONCERNING SERVICES

No responsibility is assumed for any mistakes or omissions in the services rendered by Everyday EMI Loan and its affiliates. We only have to provide you with access to our services; we have no ownership or stake in the reservations you make. We do not control the quality or delivery of third-party services, and we are not liable for any delays or losses they may cause. Our responsibility is limited to granting service access; problems that arise from carrying out these services are not covered by our obligation.

SUMMARY, COMMENTS, AND REVIEWS

Everyday EMI Loan will be the only owner of any reviews, comments, feedback, suggestions, or other submissions (collectively, "Comments") made via our website or about its usage. You give us the right, title, and interest in all copyrights and other intellectual property rights about the Comments you submit, worldwide. This implies that we will be the sole owners of the Comments and that we are free to use them for any reason without requesting your consent or paying you any further money. For business or non-commercial purposes, we reserve the right to use, reproduce, alter, adapt, publish, display, and distribute any Comments. We are under no duty to pay you for any Comments that you send, nor are we compelled to keep any Comments private. By leaving a comment, you agree that they won't:

• Violate any rights owned by other parties, such as private rights, trademarks, copyrights, or other proprietary rights.
• Include offensive, threatening, abusive, defamatory, or sexual information.
• Consists of unsolicited commercial solicitations, political campaigns, software viruses, bulk emails, chain letters, and spam.

We are not required to monitor, edit, or remove Comments left on our website, but we do have the right to. Your name might be mentioned in any criticism you submit. You pledge not to pretend to be someone else, use a fake email address, or give inaccurate information about where your comments came from. Your Comments' content is entirely your responsibility. By leaving a comment, you agree to keep Everyday EMI Loan and its affiliates harmless from any claims or liabilities resulting from your comment. You bear all liability for using third-party comments that are posted on our website.

NOTICE OF COPYRIGHT AND TRADEMARK

Everyday EMI Loan, along with its suppliers and licensors, owns all intellectual property rights about the text, software, goods, methods, technology, images, content, and other materials on the Everyday EMI Loan website. No rights or permissions to any intellectual property owned by Everyday EMI Loan or any third parties are granted by accessing or using the website.

• All copyrights and other intellectual property on this website are owned solely by or licensed to Everyday EMI Loan. Any unauthorized use of the site's content, including downloading, storing, changing, or sharing it, is forbidden without our express written approval.
• Everyday EMI Loan or its partners and affiliates own any names, logos, trademarks, service marks, and slogans used on the website. The owners of all other trademarks and service marks are the rightful proprietors. Any trademark, service mark, or logo may not be used in conjunction with the content on this website.
• Everyday EMI Loan does not advocate or support any third-party products or services, nor does it refer to any third-party trademarks, marks, hyperlinks, or websites. These are supplied purely for the convenience of the user. We offer no guarantees about the accuracy of third-party sites' content and have no control over it.

LIABILITY LIMITATION AND INDEMNIFICATION

By utilizing our services, you consent to indemnify, defend, and hold harmless Everyday EMI Loan, its affiliates, suppliers, agents, and workers from any losses, liabilities, demands, damages, claims, costs, and expenses—including legal fees—that may result from your failure to fulfil any obligation or from your breach of these terms. This indemnification provides coverage for any third-party claims arising from your use of our services, including those about the content you provide, conditions violations, and intellectual property rights infringement.

Punitive, consequential, incidental, or special damages are not covered by Everyday EMI Loan, its officers, directors, employees, partners, or suppliers. This covers—without being limited to—damages brought on by the loss of usage, data, or profits, regardless of whether such damages were anticipated or we were made aware that they would occur. This limitation of liability covers any claims, including those based on negligence, breach of contract, or other legal theories, that are connected to or resulting from your use of our website, services, or materials.

TERMINATION

Until you or Everyday EMI Loan terminates it, this User Agreement is still in force. You may discontinue using our services at any time to end this Agreement. This Agreement may be terminated by Everyday EMI Loan at any moment, with or without warning, and access to the services may not be restored right away. We disclaim all liability for any effects that may arise from this termination. Our rights to any submitted feedback and your duty to hold us harmless endure even after termination. Liabilities and payment commitments made before the termination date are unaffected by the termination.

CONSENT TO COMMUNICATIONS

By utilizing our services, you agree to receive emails, texts, automated phone calls, voicemails that are prerecorded, and other automated communications from Everyday EMI Loan. This permission extends to any correspondence about your account. Any costs incurred for these communications under your phone plan are your responsibility. To get in touch with you, we'll use the contact information you supply. Please let us know directly if you would prefer not to receive these notifications by updating your settings.

DATA STORED BY OUTSIDE PARTIES

Third-party information may be hosted on our website. Everyday EMI Loan makes every effort to assure the veracity of this material; nonetheless, we cannot guarantee its accuracy or legitimacy. You understand that by using our website, you assume all liability for any mistakes or inaccuracies in content created by third parties.

OBSERVANCE OF THE LAW

All users, whether local or foreign, of Everyday EMI Loan's services are required to abide by all relevant laws and regulations. Respect for applicable municipal, state, and federal laws is part of this.

CONFLICTS AND RELEVANCE

An Alternative Dispute Resolution (ADR) procedure consisting of two steps will be used to settle any disagreements over rights, payments, reimbursements, or other claims:

• Resolution of Conflicts: Initially, an impartial mediator chosen by both parties will handle conflicts. If the parties are unable to agree upon a mediator, each party may propose one, and if accepted, that party will mediate the conflict. The Company retains the right to choose the final mediator if an agreement cannot be reached with the mediator. The mediator's judgment is advisory only; it has no legal force.
• Jurisdiction: Arbitration will be used to settle the case if mediation is unsuccessful. The Arbitration Board, which consists of three members—one selected by each side and the third by mutual consent between the two appointed members—will have binding authority over any decision it makes. The arbitration will be held in Gurugram, India, and all communication between parties will be in English. The arbitrator's ruling is conclusive and legally binding.

If, after this ADR procedure, the disagreement cannot be settled, it will be brought before the courts in New Delhi, India. You accept the jurisdiction of the courts in New Delhi and this dispute resolution procedure by utilizing our services.

CONFIDENTIALITY

To learn more about how we manage your personal information, we encourage you to read our Privacy Policy. Any information you submit on our website, including photographs, may reveal personal information about you, including your age, gender, nationality, and ethnicity. Giving this kind of information is optional. You agree that your information will be collected, stored, and disclosed by our privacy policy by using our services. For information on how your information is shared with third parties, please see the policy.

OTHER PROVISIONS

• Total Agreement: The whole understanding between you and Everyday EMI Loan is represented by this agreement, which includes these terms as well as any other agreements that may be agreed upon. Any previous correspondence, agreements, or representations regarding the services rendered are superseded by this one.
• Release and Waiver: This agreement does not give up the right to enforce it in the future if any portion of it is not enforced at any point. Any breach of this agreement that is waived does not automatically mean that other breaches will also be waived. In addition to any available legal remedies, all rights and remedies under this agreement are cumulative.
• Get in touch with us: Please contact us by email at info@everydayemiloan.com with any questions you may have about this agreement, our website policies, or how you plan to utilize our services. We are available to help and answer any questions you might have concerning our offerings.