Terms & Conditions

These Terms & Conditions govern the access and use of the website, products, services and digital platforms operated by ABHAYKUMAR LEA FIN & INVESTMENTS PRIVATE LIMITED ("ALFI Finance", "Company", "We", "Us", or "Our").

By accessing or using our website or services, you agree to be bound by these Terms & Conditions.

1. Eligibility

Users must be legally competent to enter into binding contracts under the applicable laws of India. The Company reserves the right to verify eligibility before providing any product or service.

2. Loan Applications

Submission of a loan application does not guarantee approval. Loan approval is subject to verification, credit assessment, risk evaluation and compliance with internal policies and regulatory requirements.

3. User Responsibilities

Users agree to:

• Provide accurate and complete information.
• Update information whenever required.
• Comply with applicable laws and regulations.
• Use the website only for lawful purposes.
• Maintain confidentiality of account credentials.

4. Verification and KYC

The Company may require users to complete Know Your Customer (KYC) verification and provide supporting documents before availing any service or product.

5. Interest Rates, Fees and Charges

Interest rates, processing fees, penalties and other charges shall be communicated to customers through loan agreements, sanction letters or applicable disclosures and may vary depending on customer profile and product type.

6. Intellectual Property Rights

All content, trademarks, logos, graphics, software, designs and materials available on this website are the property of ALFI Finance or its licensors and are protected under applicable intellectual property laws.

7. Prohibited Activities

Users shall not:

• Attempt unauthorized access to systems.
• Upload malicious software or code.
• Interfere with website functionality.
• Misrepresent identity or information.
• Use the platform for unlawful activities.

8. Third-Party Services

The website may integrate with or provide access to third-party service providers, including Lending Service Partners (LSPs), payment gateways and verification agencies. The Company is not responsible for the content or practices of third-party platforms.

9. Limitation of Liability

ALFI Finance shall not be liable for any indirect, incidental, consequential or special damages arising from the use of the website, products or services, except as required by applicable law.

10. Privacy

Collection, processing and use of customer information shall be governed by our Privacy Policy available on the website.

11. Regulatory Compliance

Users shall comply with all applicable laws, Reserve Bank of India guidelines and other regulatory requirements while using the Company's services.

12. Amendments

The Company reserves the right to amend, modify or update these Terms & Conditions at any time without prior notice. Continued use of the website shall constitute acceptance of such changes.

13. Governing Law and Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of the competent courts in India.

14. Contact Information

For any queries regarding these Terms & Conditions, please contact:

ABHAYKUMAR LEA FIN & INVESTMENTS PRIVATE LIMITED

C/O Laxmi Oil Mill,
Bhusawal Road,
Dist - Jalgaon,
Maharashtra - 424206,
India

Phone: +91 91455 02323