Terms & Conditions

Governing the use of our digital portal and loan application services

1. Introduction and Acceptance

Welcome to SuyogyaMicro Federation. These Terms & Conditions ("Terms") govern your access to and use of our website, digital portal, and loan application services ("Services").

By accessing our website, using our digital portal, or submitting a loan application, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

2. About SuyogyaMicro Federation

  • •SuyogyaMicro Federation is a Section 8 Company registered under the Companies Act, 2013.
  • •We are a Non-Deposit Taking (NDT) entity and do not accept public deposits.
  • •Our primary objective is to promote social welfare and financial inclusion through microfinance services.
  • •CIN: U88900RJ2025NPL107929
  • •Registered Office: Mohan Vatika ke pas, Samode Road, Chomu, Jaipur, Rajasthan 303702

3. Eligibility and Loan Application

3.1 Eligibility Criteria

To be eligible for our loan products, you must:

  • •Be a resident of India
  • •Meet the minimum age requirement (typically 18 years or above)
  • •Have a valid identity proof and address proof
  • •Meet our credit assessment criteria
  • •Provide accurate and complete information

3.2 Loan Application Consent

By submitting a loan application, you consent to:

  • •Credit assessment and verification of provided information
  • •Sharing of your data with Credit Information Companies (CICs)
  • •Verification of documents and background checks
  • •Contact by us or our authorized representatives

4. Loan Terms and Conditions

4.1 Loan Approval

Loan approval is at our sole discretion and is subject to credit assessment, eligibility criteria, and regulatory compliance. Approval is not guaranteed, even if eligibility criteria are met.

4.2 Interest Rates and Charges

  • •Interest rates are determined based on credit assessment and are subject to change
  • •Processing fees and other charges will be disclosed before loan disbursement
  • •All applicable charges will be clearly communicated in the loan agreement

4.3 Repayment Obligations

You are obligated to repay the loan amount, interest, and all applicable charges as per the terms specified in the loan agreement. Failure to repay may result in penalties, legal action, and impact on your credit score.

5. User Responsibilities

  • •You are responsible for providing accurate, complete, and truthful information in your loan application.
  • •You must maintain the confidentiality of your account credentials and notify us immediately of any unauthorized access.
  • •You agree not to use our Services for any illegal, fraudulent, or unauthorized purposes.
  • •You must comply with all applicable laws and regulations while using our Services.

6. Intellectual Property

All content, logos, trademarks, and materials on our website are the property of SuyogyaMicro Federation or our licensors. You may not reproduce, distribute, or use any content without our prior written permission.

7. Limitation of Liability

To the maximum extent permitted by law:

  • •We shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our Services.
  • •We do not guarantee uninterrupted, secure, or error-free operation of our website or Services.
  • •Information provided on our website is for general purposes only and does not constitute financial advice.

8. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which is compliant with the Digital Personal Data Protection Act, 2023 (DPDP Act 2023). By using our Services, you consent to the collection, use, and sharing of your personal data as described in our Privacy Policy.

9. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our Services after such changes constitutes acceptance of the modified Terms. It is your responsibility to review these Terms periodically.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of our Services shall be subject to the exclusive jurisdiction of the courts in [Jurisdiction to be specified based on registered office location].

11. Contact Information

For any questions or concerns regarding these Terms, please contact us:

Email: Suyogyamicrofederation@gmail.com

Phone: 9694586378

Registered Office: Mohan Vatika ke pas, Samode Road, Chomu, Jaipur, Rajasthan 303702

CIN: U88900RJ2025NPL107929