1. Acceptance of Terms
These Terms & Conditions govern access to and use of the Janachetana Microfinance website and related online facilities. By using the website, submitting an enquiry or application, or initiating an authorized online payment, you agree to these terms and applicable laws of India.
2. Company Information
Legal name: JANACHETANA MICROFINANCE PRIVATE LIMITED
CIN: U64920WB2024PTC273783
Registered address: C/o Dhirendra Nath Barman, Pachim Maguirmari Hat, Kalirhat, Dhupguri, Jalpaiguri, West Bengal – 735210, India.
3. Website Use
You agree to use the website only for lawful purposes. You must not attempt unauthorized access, introduce malicious code, interfere with website security, impersonate another person, submit fraudulent information or misuse the website for any unlawful activity.
4. Applications and Eligibility
Submitting an online enquiry or loan application does not constitute approval, sanction or a promise of disbursement. Applications remain subject to eligibility requirements, verification, documentation, credit assessment, internal policies and applicable law. We may request additional information or documents before processing an application.
5. Customer Information and KYC
Applicants and customers must provide true, complete and current information and authentic documents. Information may be verified through appropriate sources and service providers where permitted by law. False, forged or misleading information may result in rejection, cancellation or other action permitted by law.
6. Payments
Customers should make payments only through payment methods and accounts officially provided or communicated by Janachetana Microfinance. When an online payment gateway is used, the payment transaction may also be subject to the gateway provider's terms and security procedures.
7. Loan Repayment and Charges
Applicable interest, fees, charges, repayment frequency, due dates and other financial terms will be communicated through the relevant product documents and customer agreement. Customers are responsible for making payments according to the applicable schedule.
8. Electronic Communications
By providing contact details, you may receive service-related communications concerning applications, transactions, repayments, account servicing, security and customer support. Promotional communications, where applicable, will be handled in accordance with applicable requirements.
9. Intellectual Property
Unless otherwise stated, the website's text, graphics, branding, design and other content are owned by or licensed to Janachetana Microfinance and may not be reproduced or commercially exploited without permission.
10. Third-Party Services
The website may use or link to third-party services such as payment gateways, hosting providers, analytics tools or external websites. Their services are subject to their respective terms and policies.
11. Limitation
We take reasonable steps to maintain website availability and accuracy, but online services may occasionally be affected by maintenance, network failures, third-party systems or circumstances beyond our reasonable control.
12. Changes to Terms
We may update these Terms & Conditions from time to time. The current version published on this website will apply from its stated effective date.
13. Governing Law
These Terms are governed by the laws of India. Disputes will be subject to the jurisdiction of courts having lawful jurisdiction over the Company's registered office, subject to applicable law.
14. Contact
For questions regarding these Terms, please contact Janachetana Microfinance using the official contact details below.