1. Introduction

Thank you for using our website and applications (collectively referred to as the “Platform”). By accessing or using the Platform, you agree to be bound by these Terms and Conditions (“Terms”). Please read them carefully. If you do not agree with these Terms, you must not access or use the Platform.

These Terms are provided on behalf of Keertana Finserv Limited (“Keertana”, “we”, “our”, or “us”).

2. Scope and Acceptance

The term “you” refers to customers and visitors accessing the Platform for informational, transactional, or service-related purposes.

Employees, field officers, and authorized representatives accessing internal or branch management applications do so strictly in accordance with their employment or contractual obligations and applicable internal policies, in addition to these Terms.

Keertana reserves the right to modify these Terms at any time. Any changes will be effective upon posting on the Platform. Your continued use of the Platform after such changes constitutes acceptance of the revised Terms.

3. Permission to Use the Platform

Keertana grants you a limited, non-exclusive, non-transferable, and revocable right to access and use the Platform in accordance with these Terms.

This permission does not grant you any ownership or proprietary rights in the Platform or its underlying software or hardware. You shall not copy, modify, reverse engineer, decompile, disassemble, or create derivative works from any part of the Platform.

Availability of products and services may vary by location and eligibility criteria. Keertana reserves the right to determine eligibility and availability at its sole discretion.

4. Service Availability

Keertana may, from time to time, suspend or restrict access to the Platform or certain features for maintenance, upgrades, security, or operational reasons. Keertana shall not be liable for any unavailability resulting from such activities, subject to applicable laws.

5. Device Compatibility

Keertana does not guarantee that the Platform will function on all devices, operating systems, or versions.

6. Use of Information and Content

Certain information on the Platform is provided for general informational purposes. However, transactional features, loan-related information, account details, and payment services provided through the Platform are authoritative and binding, subject to applicable agreements and regulatory requirements.

Nothing on the Platform constitutes an offer, solicitation, or recommendation unless expressly stated. You are solely responsible for any actions or transactions undertaken through the Platform.

7. Privacy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, store, and protect personal information when you use the Platform. The Privacy Policy forms an integral part of these Terms.

Keertana does not sell or trade personal information and shares data only as described in the Privacy Policy and as permitted by applicable law.

8. Electronic Communications

By using the Platform, you consent to receive communications electronically, including notices, disclosures, transaction alerts, and updates, through the Platform, email, SMS, or other electronic means, as permitted by law.

9. Information Sharing and User Conduct

You may choose to submit or share information or content through the Platform. By doing so, you agree that:

• You grant Keertana a non-exclusive, royalty-free, transferable, sub-licensable, right to use such content in connection with providing the Services, subject to the Privacy Policy.
• Deleted content may continue to exist in backup systems for legal, regulatory, or operational purposes.
• You shall not post content that infringes intellectual property rights, violates laws, or is defamatory, unlawful, or misleading.
• You shall not use the Platform for unauthorized or commercial purposes.
• Keertana may remove any content that violates these Terms or applicable laws.
• You shall not interfere with the Platform’s operation, security, or transactions.

10. Loan Pre-Registrations and Applications

The Platform may allow customers to pre-register or apply for loans. You agree to provide accurate, complete, and up-to-date information.

Keertana reserves the right to verify information, decline applications, terminate registrations, or restrict access if any information is found to be false, misleading, or incomplete, or if required by law or internal policies.

Submission of an application does not guarantee loan approval.

11. Payments, Refunds, and Cancellations

Payment Processing

• The Platform enables payments toward loan repayments, fees, or other applicable charges.
• Payments are processed through authorized banks, payment gateways, or third-party service providers.
• Payments are processed through authorized banks, payment gateways, or third-party service providers.

Refunds

• Payments made toward loan repayments are generally non-refundable, as they are applied toward outstanding loan obligations.
• Refunds may be issued in cases of:
  

  • Duplicate or excess payments
  • Erroneous debits
  • Failed transactions where the amount is debited but not credited
• Refunds, once approved after verification, will be credited to the original payment source within reasonable timelines, subject to banking and payment gateway processes.

Cancellations

• Loan applications or pre-registrations may be withdrawn prior to loan sanction.
• Any processing, verification, or service fees paid may be non-refundable, unless otherwise required under applicable law or regulatory directions.

Disputes

• Payment or refund-related disputes may be raised through the customer support channels provided on the Platform.
• Keertana will address such disputes in accordance with applicable laws and its internal grievance redressal mechanism.

12. User Accounts and Security

Certain features of the Platform may require account creation. You are responsible for maintaining the confidentiality of your login credentials, links, and access information.

You must notify Keertana immediately if you become aware of any unauthorized use of your account or security breach.

13. Third-Party Links

The Platform may contain links to third-party websites or services. Keertana does not control or endorse such third-party platforms and is not responsible for their content, products, or services.

You are advised to review the terms and privacy policies of any third-party sites you visit.

14. Intellectual Property Rights

All content on the Platform, including trademarks, logos, software, text, graphics, and designs, is the exclusive property of Keertana or its licensors.

Nothing in these Terms grants you any license or right except the limited right to use the Platform in accordance with these Terms. Unauthorized use of intellectual property is strictly prohibited.

15. Limitation of Liability

To the extent permitted by applicable law, Keertana shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of or inability to use the Platform.

Nothing in these Terms shall limit or exclude liability where such limitation is prohibited under applicable laws or regulatory requirements.

Force Majeure: Keertana shall not be liable for any failure or delay in performance resulting from events beyond its reasonable control, including but not limited to natural disasters, acts of government, network failures, system outages, or regulatory actions.

16. Grievance Redressal and Support

Keertana maintains a grievance redressal mechanism in accordance with applicable laws and regulatory guidelines.

Users may raise complaints, disputes, or service-related concerns through the contact details provided on the Platform. Keertana shall endeavour to address grievances within timelines prescribed under applicable regulations.

17. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

The courts of Hyderabad, Telangana, shall have exclusive jurisdiction over any disputes arising out of or relating to these Terms or use of the Platform.

18. Entire Agreement and Severability

These Terms, together with the Privacy Policy and other legal notices published on the Platform, constitute the entire agreement between you and Keertana.

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.