• The user hereby accepts the applicable schedule of charges, fees, commissions including the key facts informed to them by Kissht and as more particularly mentioned in the "Schedule of Charges" of this policy.
• That Goods & Services tax is applicable and will be charged in connection with the loan.
• That no discount or free gift or any other commitment whatsoever is given to customers by Kissht or any of its authorized representative(s) other than what is documented herein.
• Kissht shall not process incomplete/defective application form, for which if any loss or delay is caused to customers, customers will not hold Kissht liable for such loss or delay.
• That submission of loan application to Kissht does not imply automatic approval and SiCreva will decide the quantum of the loan at its sole and absolute discretion. SiCreva in its sole and absolute discretion may either sanction or reject the application for granting the loan.
• That SiCreva shall have the right to make disclosure of any information relating to me/us including personal information, details in relation to Loan, defaults, security, etc. to the Credit Information Bureau of India (CIBIL) and/or any other governmental/regulatory/statutory or private agency/entity, credit bureau, RBI, SiCreva's other branches/subsidiaries/affiliates/rating agencies, service providers, other banks/financial institutions, any third parties, any assignees/potential assignees or transferees, who may need, process and publish the information in such manner and through such medium as it may be deemed necessary by the publisher/ Company/ RBI, including publishing the name as part of wilful defaulter's list from time to time, as also use for KYC information verification, credit risk analysis, or for other related purposes.
• SiCreva reserves its right to reject the loan application and retain the loan application form along with the photograph, information and documents.
• In respect of any delayed payments, without prejudice to all other rights of SiCreva under these Terms & Conditions: SiCreva shall be entitled to recover Penal Charges me/us described in the Schedule of Charges.
• That I/ We shall furnish any additional documents as and when required by SiCreva.
• That there is no impediment or restriction (whether legal or judicial) against customers and/or their asset filed/reported by any other bank/financer.
• That the funds shall be used for the purpose for which loan has been applied and will not be used for speculative or antisocial purpose.
• That the information furnished by customers is true and accurate.

• Customers advise Kissht in writing of any change in their residential or employment address
• Customers hereby authorize and give consent to SiCreva to disclose, without notice to me/ us, information furnished by me/us in the application form(s)/ related documents executed/ to be executed in relation to the facilities to be availed by customers from SiCreva, to SiCreva's other branches/ subsidiaries/ affiliates/ Credit Bureaus/ Rating Agencies/ Service Providers, banks/ financial institutions, governmental/ regulatory authorities or third parties for information verification, credit risk analysis, or for other related purposes that SiCreva may deem fit. Customers waive the privilege of privacy and privity of contract.
• Customers hereby confirm having received, read and understood the terms and conditions applicable to this loan including the application form and the Terms and Conditions/ Agreement and accept the same.
• Customer confirms that he/she is citizen of India.
• Customers confirm that Kissht shall not be liable for any delay in delivery or no delivery of the product and or with respect to the quality, condition, fitness, suitability or otherwise whatsoever of the said Product.

• In the case of loan cancellation, the applicable pro-rata interest charges on any outstanding loan amount will have to be borne by Customers and understand that Processing Fee is non-refundable charges and would not be waived/ refunded in case of loan cancellation or where the loan has not been disbursed.
• The sanction or any other loan communication received by customers online is only be a conditional approval and shall not give rise to any obligations to SiCreva to disburse the loan or otherwise. The conditional approval shall be subject to the final sanction issued by SiCreva after receipt of all documents including KYC documents from me.
• The loan related information like "welcome letter", "repayment schedule", "Terms and condition", "disbursal advice (as applicable to Personal Loan/ Business Loan)", will be sent on the e-mail id mentioned by customers in this loan application form.
• Customers can log on to https://kissht.com / Kissht Mobile App to view the welcome letter and repayment schedule. Customers may also request for a physical copy of Welcome Letter and Repayment Schedule separately if need be.
• SiCreva reserves the right to transfer the loan to another entity at its own discretion.
• If Customers desire to question any statement or any part thereof Customers shall furnish Si Creva full details of the same within 15 days of the receipt of the statement. It is however clarified that the Customers shall not be entitled to default or delay the payment of the instalments on the ground of the Statement of Account furnished by Si Creva being inaccurate or any other ground.
• The Sanctioned Loan, interest, additional penal charges, fees, expenses and all other sums whatsoever including but not limited to Outstanding payable by Customers to SiCreva hereunder may, if required by SiCreva be secured by the product on which SiCreva shall have first and exclusive rights. This does not include products where, as per law, no lien is allowed such as jewellery items. Loans, under which such products are purchased, will be deemed unsecured.

• Customers have given NACH Mandate in favour of Si Creva Capital Services Pvt. Ltd. covering all the amounts due to Si Creva under these Terms & Conditions including the EMI towards the Sanctioned Loan as stipulated herein.
• Customers shall ensure availability of funds in the account on which such NACH Mandate/ have been drawn and that the Customers will not at any time close his account and/ or issue any notice instructing Si Creva not to present any of such NACH Mandate towards repayment of EMI payable by the Borrower to Si Creva under these Terms & Conditions.
• As a part of the loan application, Si Creva may require to access Customer’s CIBIL/Credit score. Customers authorize SiCreva to make any enquiries with any other finance company / bank / registered credit bureau regarding customer’s credit history with them.
• Customers, would like to know through telephonic calls, or SMS on their mobile number mentioned in the Application Form as well as in this undertaking, or through any other communication mode, various loan offer schemes from Si Creva or loan promotional schemes or any other promotional schemes and hereby authorize Si Creva, it's employees, agents, associates to do so. Customers confirm that laws in relation to the unsolicited communication referred in "National Do Not Call Registry" (the "NDNC Registry") as laid down by TELECOM REGULATORY AUTHORITY OF INDIA will not be applicable for such communication/calls/SMSs received from Si Creva, its employees or agents.
• I have read and agree by the privacy policy of Kissht at https://kissht.com/privacy-policy/
• The loan will be governed by separate terms and conditions and/ or other documents ("Loan Documents") entered into with Si Creva as the case may be. In case of any inconsistency between these terms and conditions and the provisions of the Loan Documents, the provisions of the Loan Documents shall prevail.
• Kissht is solely responsible for the website https://kissht.com and all contents thereof and for all data or information that may be submitted thereon as also for all products and services offered therein.

• It will be the sole responsibility of the Customer to ensure that the use of name and password are kept confidential and not disclosed to any third party, including any representative of Kissht, or its agents and shall take all possible care to prevent discovery of the under name or password by any person.
• Kissht makes no representations about the timeliness, of the services contained on the Kissht web site for any purpose.
• Kissht makes no representations about the suitability, reliability, availability, of the services contained on the Kissht web site for any purpose.
• Kissht shall not be responsible if any information/ database/ statement/ certificate/ page is printed/ downloaded from Kissht's site and after printing/ downloading complete/partial, text/information is altered/ removed/ obscured contained therein.
• Kissht, at no event, be liable/ responsible for any direct, indirect, punitive, incidental, special, consequential damages or any damages for the delay or inability to use the Kissht web site, or failure to provide services, or for any information, date, statement, certificate, software, and any other services obtained through the Kissht web sites, or otherwise arising out of the use of Kissht web site.
• Kissht reserves the right to suspend these services if in Kissht’s opinion security of the site or of the data could be compromised.
• Kissht may also suspend services on the web site for any customer at its sole discretion without assigning any reason whatsoever. In such event user shall contact Kissht offices for any clarification.

The interest component depends on the product and the period of repayment that you choose. The interest component ranges from 8% to 30%. Being said that, we do offer 0% interest for 6 months for certain products categories.

NOTE: Interest component is the interest amount as a percentage of the product value. Interest is calculated using a reducing balance method. Interest component on new loan application is subject to change from time to time and Kissht undertakes no responsibility about advising/intimating the Customers about any such changes. To know the latest interest component applicable to loans kindly email to care@kissht.com

The processing fee can be a fixed amount or a percentage of product value/loan amount and it dependent on the product and the period of repayment that you choose.

NOTE: Processing fee on new loan application is subject to change from time to time and Kissht undertakes no responsibility about advising/intimating the Customers about any such changes. To know the latest processing fee applicable to loans kindly email to care@kissht.com

• NACH Return Charges - Rs.350
• Cheque Return Charges - Rs.350

EMI overdue charges - 3.5% per month of loan amount for each overdue EMI

• NACH Swap charges (Changing the bank account for ECS debit of EMI) - Rs.500
• PDC Swap charges (Changing the Post-dated cheque given for 1st EMI debit) - Rs.500

• EMI date change (up to 25 days) – Rs.200
• Cash / Cheque pickup (for EMI re-payment) – Rs.200
• NACH Mandate pick-up for re-processing (due to Bank Account / Sign Mismatch): - Rs.200

• For loans with tenure up to 6 months - 2.5% on Balance Principal Outstanding
• For loans with tenure more than 6 months - 4% on Balance Principal Outstanding

Part payments are not allowed. Meanwhile, customers can make advance payment of EMI. Kindly note that advance EMI payment does not make one eligible for any form of savings on interest payable.

NOTE: The above charges are subject to change from time to time and Kissht undertakes no responsibility about advising/intimating the Customers about any such changes. To know the latest charges applicable to loans kindly email to care@kissht.com

• Kissht reserves the right to modify the User Interface, appearance, contents, organization, location and accessibility of the Website and/ or the Policy on Website Use at any time without prior notice.
• The User is expected to keep himself/ herself updated of any changes made in this Website and the information available on it on a regular basis and Kissht undertakes no responsibility about advising/intimating the User about any such changes.
• It is imperative to note that Kissht has taken required efforts to ensure that the information/ statement/ certificate provided on Kissht's Web Site is reasonably accurate, however, Kissht does not warrant its accuracy, completeness or suitability, correctness, adequacy validity, whatsoever for any purpose. As such database provided is without any warranty, express or implied, as to their legal effect.

If you (User) breach the terms & conditions/Policy on Website Use in any way, or if we suspect that you have breached these terms & conditions/Policy on Website Use in any way, we may take necessary steps as follows:

(i) send you one or more formal warnings; (ii) temporarily/permanently block your access to the Website; (iii) block all computers/devices using your IP address from accessing the Website; (v) request your internet service providers to block your access to Website; (vi) commence legal action against you, for recovery of amounts due or damages arising out of your breach of terms & conditions/Policy on Website Use; and/or (vii) suspend or delete your account on Website.

The User herein agrees to indemnify and hold us harmless from and against any and all claims, action, liability, cost, loss, damage, endured by us by your access to the Website.

The Website may offer links to sites that are not under Kissht’s control. If the Customers (Users) visit any of these links, it’s their responsibility to review each site's terms of use. Kissht does not assume any responsibility/liability for any obligations or offers given on such sites and is neither responsible for the contents, policies and practices of such sites as well as Kissht is not liable for any loss, damage or expense arising from use of such sites.

The use of this Website and the Policy on Website Use shall be governed by Indian law. The Policy on Website Use and your activity under this Policy are an 'electronic record' in accordance with the (Indian) Information Technology Act, 2000.

Though, Kissht has taken proper care/precaution to make the database reliable, Kissht will not be held responsible for any liability that may arise out of any such error in the data base. Further, Kissht does not represent/claim that Kissht’s Web Site is free of viruses or harmful components.

Use of any information/statement/certificate on Kissht’s Web site shall be at your own risk. All information/statements/certificates should be used in accordance with applicable laws. Kissht, its subsidiary companies, its affiliates, and their directors and employees, accept no liability and will not be liable for any loss or damage arising directly or indirectly from use of this Website.

In case of transaction/ statement /certificate is not in agreement with your record or with the information that you have, you are requested to write to Kissht. You are free to mail your queries on care@kissht.com.

Kissht has provided information/data base on the Web Site on an "as is where is " basis. Kissht expressly disclaims to the maximum limit permissible by law, all warranties, express or implied, including, but not limiting to implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Kissht disclaims all responsibility for any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with this Website, its Contents or associated services, or due to any unavailability of the web site or any part thereof or any contents or associated services even if the Entities are advised of the possibility of such damages, losses or expenses.