Legal Framework v2.0

TERMS &
CONDITIONS.

Defining the digital handshake. Please review the protocols governing the Rupyx financial ecosystem.

Jurisdiction
Mumbai, India
Validity
Binding Agreement
Ref Code
TC-NBFC-2024

01Introduction

Welcome to rupyx, the next-generation digital lending interface.

By accessing this neural network of financial services, you agree to be bound by these Terms. Consider this a digital handshake; if you do not agree, please disconnect from the platform immediately.

02 // Eligibility Criteria

  • Must be a Resident of India.
  • Minimum Age: 21 Years | Maximum Age: 60 Years.
  • Must hold a valid PAN Card and Aadhaar Card.
  • Must have an active bank account with Net Banking facilities.

Account Security

03. Account Protocols

You are the sole guardian of your login credentials. Rupyx is not liable for any loss resulting from unauthorized access caused by your negligence.

Note: We will never ask for your OTP or Password via phone call.

04. Loan Protocols

Execution of loan protocols follows strict algorithmic assessment:

Submission ≠ Approval Guarantee
Algorithmic Credit Scoring
NBFC Discretionary Rights
On-Demand Document Verification

05 // Financial Obligations

Processing Fees

A non-refundable service charge applies to all initiated loan sequences, deducted directly from the principal disbursal.

Penalties

Deviation from the EMI schedule triggers automated penal interest and bounce charges as per the Agreement.

06. Disbursement Mechanics

Upon acceptance of the Digital Loan Agreement, funds are wired directly via IMPS/NEFT to the verified bank account. We do not disburse cash or third-party transfers.

07. Identity Verification (KYC)

Strict adherence to RBI Master Directions. We employ cryptographic Aadhaar e-KYC and CKYC registry checks.

Zero Tolerance for Fraud

08. Intellectual Property

All code, UI design, logos, and algorithms contained within Rupyx are the exclusive property of Rupyx FinTech Solutions. Unauthorized reproduction or reverse engineering is strictly prohibited and subject to litigation.

09. Data Privacy

Review how we encrypt and handle your data.

11. Liability Protocols

"Rupyx Software acts solely as a technological bridge. We hold no liability for credit decisions, downtimes, or third-party data discrepancies. The user assumes full responsibility for financial commitments made herein."

12. Account Termination

Rupyx reserves the right to suspend or terminate access immediately without notice if:

  • You breach these Terms & Conditions.
  • Fraudulent or misleading data is detected.
  • Any payments remain overdue beyond the cure period.

13. Jurisdiction

Governed by the laws of India. Exclusive courts of Mumbai, Maharashtra.

Secure Enterprise Lending System

Usage of the Rupyx platform implies acceptance of the User Agreement and fair usage policies under Indian FinTech regulations.