Please read the following terms and conditions carefully before applying for, accessing, or using any financing-related service provided through Samraat Finlease. By continuing to use the platform, the customer acknowledges acceptance of the terms outlined below.
Financing services are available only to individuals who meet the internal eligibility requirements established by Samraat Finlease. Eligibility may depend upon factors including age, income, employment profile, repayment history, credit assessment, banking behavior, geographical location, and successful completion of verification procedures. Submission of an application does not guarantee approval of financing services.
Customers authorize Samraat Finlease to verify all information submitted during the application process through authorized databases, banking institutions, verification agencies, employers, or government records. Any discrepancy, incomplete information, misleading declaration, or suspected fraudulent activity may result in rejection, suspension, or termination of the application or related services.
Approval of financing applications shall remain solely at the discretion of Samraat Finlease based upon internal assessment policies, compliance requirements, and risk evaluation criteria. The company reserves the right to approve, partially approve, decline, or cancel any request without assigning specific reasons. Financing amounts, tenure, and repayment schedules may vary from customer to customer.
Customers agree to pay all applicable interest, processing charges, convenience fees, platform fees, overdue charges, penalty amounts, and other charges associated with financing services. Applicable charges shall be communicated through approved channels or financing agreements. Delayed repayment obligations may result in additional charges as permitted under applicable laws and company policies.
Customers are responsible for ensuring timely repayment of all dues including principal, interest, charges, and penalties within the specified repayment schedule. Failure to maintain timely repayment may impact future financing eligibility and may result in collection actions, account restrictions, legal proceedings, or reporting to credit bureaus as applicable.
By using the platform, customers consent to receive communication through SMS, email, phone calls, WhatsApp, notifications, or other electronic channels regarding transactions, repayment reminders, verification, offers, customer support, or compliance requirements. Such communication may continue unless restricted under applicable laws or regulatory directions.
Customers authorize Samraat Finlease to collect, process, store, analyze, and use personal, financial, and transactional information for underwriting, verification, fraud prevention, service enhancement, analytics, and compliance purposes. Information may also be shared with authorized service providers, payment partners, and regulatory authorities where required.
Customers must ensure that all information, documents, and declarations submitted during the application or repayment process are accurate and updated. The customer shall remain responsible for maintaining confidentiality of account credentials, OTPs, passwords, and transaction-related details. Any unauthorized usage resulting from negligence shall remain the responsibility of the customer.
Repayment transactions processed through banking channels, payment gateways, UPI, debit cards, net banking, or other approved methods may be subject to processing timelines and technical validations. Samraat Finlease shall not be held responsible for delays, interruptions, or transaction failures arising due to third-party payment systems or banking infrastructure.
In the event of overdue repayment obligations, Samraat Finlease or its authorized collection partners may contact customers through approved communication channels for repayment follow-up and account resolution. Customers agree to cooperate during such processes. Collection activities shall be conducted in accordance with applicable laws and internal compliance standards.
Customers acknowledge that repayment behavior, defaults, overdue balances, settlements, and account status may be reported to authorized credit bureaus or financial information agencies in accordance with applicable regulations. Such reporting may impact the customer’s credit profile, future financing eligibility, and financial assessment conducted by other institutions.
Samraat Finlease reserves the right to suspend, restrict, or terminate services in cases involving suspected fraud, identity mismatch, unauthorized transactions, document manipulation, or activities considered harmful to the platform or financial ecosystem. The company may cooperate with regulatory authorities, law enforcement agencies, or financial institutions for investigation purposes.
Samraat Finlease shall not be liable for losses arising from technical interruptions, network failures, banking delays, unauthorized third-party activities, force majeure events, or customer negligence. Customers are advised to independently verify transaction details and maintain proper records of financing agreements, repayments, and communication for future reference.
Samraat Finlease reserves the right to modify, suspend, discontinue, restrict, or update any service, feature, repayment structure, financing criteria, or platform functionality at any time without prior notice. Continued usage of the platform after such modifications shall be considered acceptance of the updated terms and applicable policies.
Certain services may involve third-party vendors, payment gateways, banking institutions, verification agencies, or technology providers. Customers acknowledge that use of such services may also be governed by third-party terms and policies. Samraat Finlease shall not be responsible for disruptions, data issues, or technical failures caused by external service providers.
Customers agree to comply with all applicable laws, financial regulations, and platform policies while accessing or using financing services. Samraat Finlease may request additional information, documents, or declarations at any stage for regulatory, audit, anti-fraud, or compliance-related purposes as required under applicable legal frameworks.
Samraat Finlease reserves the right to terminate or suspend access to services in situations involving violation of terms, misuse of the platform, fraudulent activity, non-cooperation during verification, repayment default, or breach of applicable policies. Termination of services shall not affect existing repayment obligations or pending liabilities owed by the customer.
Any disputes, claims, or legal proceedings arising from the use of financing services shall be governed by applicable laws and subject to the jurisdiction of competent courts or authorities designated by Samraat Finlease. Customers are encouraged to first approach customer support for resolution of grievances, disputes, or transaction-related concerns.