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Terms of Service 

Effective Date: November 2024 

Welcome to Instalment Express! By accessing or using our website and services, you agree to these Terms of Service (“Terms”). These Terms are a legally binding agreement between you (“you,” “user,” or “customer”) and Instalment Express (“we,” “us,” or “our”). Please read these Terms carefully. If you do not agree with any part of these Terms, you must refrain from using our website or services. 

1. Acceptance of Terms 

By using our services, including browsing our website, submitting a loan application, or engaging with us in any way, you affirm that you: 
  • Have read and understood these Terms. 
  • Agree to abide by them fully. 
These Terms apply to all users of our services, including visitors to our website.  

2. Eligibility 

To use Instalment Express services, you must meet the following criteria: 
  • Age Requirement: You must be at least 18 years old. 
  • Residency: You must reside in a jurisdiction where Instalment Express operates.
  • Legal Capacity: You must have the legal capacity to enter into binding contracts. 
  • Accurate Information: You must provide truthful, accurate, and complete information during registration or application processes.  
We reserve the right to verify your eligibility and may refuse or revoke services at any time. 

3. Scope of Services 

Instalment Express provides tailored loan products to individuals and businesses. These include, but are not limited to: 
  • Personal Loans: Wedding loans, travel loans, medical loans, salary advance loans, and more.  
  • Business Loans: Working capital loans, equipment financing, invoice financing, and others.
The specific terms, such as repayment periods, interest rates, and fees, will be detailed in your loan agreement at the time of application approval.  

4. Account and User Obligations 

a. Account Creation 

To apply for a loan or access certain services, you may need to create an account. You are responsible for: 
  • Keeping your login credentials confidential. 
  • Ensuring that all information provided during account creation is accurate. 

b. User Conduct 

You agree not to:  
  • Misrepresent your identity or financial status. 
  • Use our website or services for illegal, fraudulent, or unauthorized purposes. 
  • Interfere with or disrupt the operation of our website or services. 

c. Timely Communication 

You are responsible for providing updated contact information and responding promptly to any communications regarding your loan.  

5. Loan Application Process

By applying for a loan with Instalment Express, you acknowledge and agree to the following:

a. Submission of Accurate Information 

  • All information provided during the application process must be truthful and complete. 
  • Any false or misleading information may result in immediate application rejection or legal action.

b. Application Review and Approval 

  • Loan applications are reviewed based on Instalment Express's internal criteria. 
  • Approval is not guaranteed and may depend on factors such as income, repayment ability, and other details. 

c. Terms of Loan Agreement 

Once approved, the loan terms (e.g., interest rate, repayment schedule, penalties) will be outlined in a formal loan agreement. By accepting the loan, you agree to these terms.  

6. Fees and Payment Terms  

a. Fees and Charges  

  • Fees, interest rates, and other charges will be clearly specified in your loan agreement. 
  • Instalment Express reserves the right to deduct applicable fees from your loan disbursement. 

b. Payment Obligations 

  • You must adhere to the repayment schedule outlined in your loan agreement. 
  • Late payments may result in penalties, additional interest, or negative credit reporting. 

c. Payment Methods 

  • Payments can be made through authorized methods, such as bank transfers, online portals, or other approved channels. 

7. Privacy and Security 

We value your privacy. By using our services, you agree to the terms of our Privacy Policy, which explains how we collect, use, and safeguard your information. While we employ robust security measures, you acknowledge that no method of data transmission or storage is entirely secure, and you use our services at your own risk. 

8. Intellectual Property 

All content, designs, trademarks, logos, and intellectual property on the Instalment Express website are the property of Instalment Express or its licensors. You agree not to:  
  • Copy, reproduce, distribute, or create derivative works from our content. 
  • Use our trademarks or logos without prior written consent. 

9. Prohibited Activities 

When using our services, you agree not to: 
  • Use the website or services for unauthorized or illegal purposes. 
  • Attempt to access restricted areas of our systems or servers. 
  • Introduce harmful software, viruses, or malware into our systems. 
  • Engage in activities that disrupt or degrade our services. 
Violations may result in account termination and legal action. 

10. Limitation of Liability 

To the fullest extent permitted by law: 
  • Instalment Express is not liable for indirect, incidental, or consequential damages arising from the use of our services. 
  • We do not guarantee that the website or services will always be available, secure, or error-free. 
  • Our liability is limited to the amount paid by you to Instalment Express for the specific service that gave rise to the claim. 

11. Termination of Services 

Instalment Express reserves the right to terminate or suspend your access to our services if: 
  • You breach these Terms or any applicable laws. 
  • We suspect fraudulent activity in your account. 
  • We discontinue services in your region. 
Termination does not relieve you of your repayment obligations or other responsibilities outlined in your loan agreement. 

12. Changes to Terms of Service 

Instalment Express may revise these Terms at any time. Any changes will be posted on this page with an updated “[Effective Date.]” By continuing to use our services, you agree to the revised Terms. 
  • You breach these Terms or any applicable laws. 
  • We suspect fraudulent activity in your account. 
  • We discontinue services in your region. 
Termination does not relieve you of your repayment obligations or other responsibilities outlined in your loan agreement. 

13. Dispute Resolution 

In the event of a dispute, we encourage you to contact our support team first for resolution. If the issue persists, disputes shall be governed by the laws of Pune, Maharashtra, India, and any claims must be filed in the courts of Pune, Maharashtra, India. 

14. Contact Information 

If you have questions or concerns about these Terms, please reach out to us: 

Instalment Express
Email: legal@instalmentexpress.com
Phone: +91 9322281410
Address: 2nd Floor Arrisa Avenue, Kharadi, Pune – 411014

By using Instalment Express services, you confirm that you have read, understood, and agreed to these Terms of Service. Thank you for choosing Instalment Express as your financial partner. 

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