General Terms and Conditions

Welcome to the website, applications, and digital platforms of Manappuram Asset Finance Ltd. (hereafter referred to as “MAAFIN,” “we,” “our,” or “us”). By accessing or using MAAFIN website, mobile applications, or services, you (“User,” “you,” or “your”) agree to be bound by these General Terms and Conditions (“Terms”). If you do not agree, please discontinue use of our services.

• Users must be at least 18 years of age and capable of entering into legally binding contracts under applicable law to use the Company services.
• Users agree to use the Company services only for lawful purposes and in compliance with all applicable laws and regulations.
• Misuse of the Company platforms for fraudulent, unauthorized, or unlawful purposes is strictly prohibited.

• MAAFIN provides financial products and services, including loans, asset finance solutions, and related information, subject to applicable laws and regulatory guidelines.
• Information displayed on the Company platforms is for general informational purposes only and does not constitute financial advice unless expressly stated.
• Loan approvals, disbursements, and other financial services are subject to eligibility checks, internal approvals, regulatory compliance, and contractual agreements.

• The interest rate is determined by the loan amount, tenure, and prevailing market conditions.
• Interest is calculated for actual days of pledging.

• Loan Eligibility: Loan eligibility is determined based on factors including but not limited to income, employment details, repayment capacity, creditworthiness, and regulatory requirements. Submission of an application does not guarantee approval.
• Repayment Obligations: Borrowers are required to repay loans as per the agreed repayment schedule mentioned in the loan agreement. Delays or defaults may attract penalties, legal action etc.
• Regulatory Compliance: All loans and financial services are governed by applicable laws, including guidelines issued by the Reserve Bank of India (RBI) and other regulatory authorities. MAAFIN strictly adheres to fair practices in lending and collections.
• Interest & Fees: Interest rates, processing fees, and other charges applicable to loans will be disclosed transparently at the time of application. These may vary depending on the product and applicant profile.
• Customer Grievance Redressal: Borrowers have the right to raise complaints or disputes through the Company official grievance redressal mechanism. Escalations, if unresolved, may be addressed to the RBI Ombudsman as per applicable guidelines.

• Customers can enjoy flexible repayment options at their convenience, including online payments, our Mobile App, or by visiting our branches

• Users agree to provide accurate, complete, and current information when interacting with the Company.
• Users are responsible for maintaining the confidentiality of user account credentials and for all activities carried out using user account.
• Users agree not to:
  • Attempt to gain unauthorized access to the Company systems or data
  • Upload or transmit harmful code, malware, or viruses
  • Copy, modify, or distribute the Company website/app content without authorization

• All intellectual property rights, including but not limited to trademarks, logos, text, graphics, designs, and software, are the property of MAAFIN or its licensors.
• User shall not reproduce, distribute, or exploit any content from the Company platforms without prior written consent.

• The Company website and applications may contain links to third-party websites or services. These are provided for convenience only.
• MAAFIN does not endorse, control, or take responsibility for the content, privacy policies, or practices of such third parties.

• While we strive to provide accurate and updated information, MAAFIN does not guarantee the completeness, accuracy, or availability of services at all times.
• Services may be affected by technical issues, maintenance, or external factors beyond the Company’s control.
• To the maximum extent permitted by law, MAAFIN shall not be liable for any direct, indirect, incidental, or consequential losses arising from the use of the Company services or reliance on information provided.

You agree to indemnify, defend, and hold harmless MAAFIN, its affiliates, employees, and representatives from and against any claims, liabilities, damages, losses, or expenses resulting from:

• User violation of these Terms
• User use of our services in an unlawful or unauthorized manner

• These Terms shall be governed by and construed in accordance with the laws in India.
• Any disputes arising from or relating to these Terms shall fall under the exclusive jurisdiction of the courts in Thrissur, Kerala, India.

• MAAFIN reserves the right to update, modify, or amend these Terms at any time without prior notice.
• Changes will be effective once posted on our website/app. Continued use of services after updates constitutes acceptance of the revised Terms.

For any queries, concerns, or feedback regarding these Terms, please contact:

Legal & Compliance Department

Manappuram Asset Finance Ltd.
111/105 Opposite Nattika FIRKA Co-operative Rural Bank,
Valapad, Thrissur District,
Kerala, Pin 680 567
Email: 9567739787
Phone: customerrelations@maafin.in