(Repayy – Loan Repayment App)

1. Acceptance

By using Repayy, you agree to these Terms.

2. Services Offered

Repayy provides:

Loan tracking dashboard

EMI reminders

Payment facilitation

Financial insights

3. Important Disclaimer

Repayy:

 Does NOT guarantee loan approval

 Is NOT responsible for lender decisions

 Does NOT provide financial advice

4. User Obligations

You agree to:

Provide accurate loan information

Maintain account confidentiality

Use the app lawfully

5. Payments

Payments are processed via third-party RBI-compliant gateways

Repayy is not liable for:

Payment delays

Bank/server issues

Failed transactions

6. Fees

Repayy may charge:

Convenience fees

Subscription charges

(All fees will be disclosed before payment)

7. RBI Compliance Clause

Repayy complies with applicable guidelines of the Reserve Bank of India (RBI) for digital lending and payment facilitation.

8. Limitation of Liability

We are not liable for:

Missed EMIs due to user negligence

Incorrect data entered by users

Third-party service failures

9. Account Suspension

We may suspend accounts if:

Fraud or suspicious activity is detected

Terms are violated

10. Intellectual Property

All branding, logo, and technology of Repayy are protected under Indian law.

11. Governing Law

These terms are governed by laws of India, with jurisdiction in Mumbai, Maharashtra.

12. Termination

Users may delete accounts anytime. Data retention rules will still apply.

13. Refund Policy

Define when users get refunds (failed payments, duplicate charges)