These Terms of Service ("Terms") govern your use of the Artha Cash mobile application (the "App"), which is developed and operated by SHIKSHA FINANCIAL SERVICES INDIA PRIVATE LIMITED, a registered Non-Banking Financial Company (NBFC) authorized by the Reserve Bank of India (RBI). By accessing or using the Artha Cash App, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use the App.
Artha Cash is powered by SHIKSHA FINANCIAL SERVICES INDIA PRIVATE LIMITED, a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI), providing financial services through the Artha Cash App.
Company Details:
Direct Lender: SHIKSHA FINANCIAL SERVICES INDIA PRIVATE LIMITED
Corporate Identification Number (CIN): U74900TN2014PTC094623
Registered Office Address: 497, 3rd Floor, Kattima Isana Mall, Poonamalee High Road, Arumbakkam, Chennai, Tamil Nadu 600106, India
The Artha Cash App provides a digital lending platform for users to apply for personal loans. By using the App, you agree to the following:
You must be over the age of 18 and legally eligible to enter into binding contracts.
You must provide accurate and complete information when applying for a loan or when required during the registration and verification process.
You agree to be solely responsible for any actions taken under your account, including maintaining the confidentiality of your login credentials.
Eligibility: You must meet the eligibility criteria as set forth by SHIKSHA FINANCIAL SERVICES INDIA PRIVATE LIMITED, including verification of your identity and financial profile.
KYC Verification: You are required to complete the Know Your Customer (KYC) process, which may include submitting identification documents such as PAN, Aadhaar, and a live photo for identity verification.
Loan Approval and Disbursement: Upon approval, your loan will be disbursed directly to your linked bank account. You agree to repay the loan as per the terms outlined in your loan agreement, including interest and fees.
Repayment: You agree to repay the loan in full as per the repayment schedule. Late payments may result in additional charges.
By using the Artha Cash App, you consent to the collection and use of your personal information as outlined in our Privacy Policy. This includes, but is not limited to:
Personal and financial information for identity verification and loan application processing.
Information from your device to help improve the app and detect fraudulent activity.
We may share your information with third-party service providers, credit bureaus, and financial institutions for the purposes of credit assessment, KYC verification, loan processing, and fraud prevention. We will not sell your personal data to third parties for marketing purposes. Please refer to our Privacy Policy for more details on how your data may be shared.
You agree not to engage in any unlawful or fraudulent activity, including actions that may harm or disrupt the functionality of the App or the devices of other users. Additionally, you must not submit false, misleading, or incomplete information during the loan application process.
To the maximum extent permitted by law, SHIKSHA FINANCIAL SERVICES INDIA PRIVATE LIMITED will not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use or inability to use the App, or from any errors or omissions in the App’s operation.
We may suspend or terminate your access to the App if we suspect any fraudulent activity or violation of these Terms. You may terminate your use of the App at any time by uninstalling it from your device.
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes related to these Terms or the use of the App shall be resolved in the courts located in Chennai, Tamil Nadu, India.
We reserve the right to modify these Terms at any time. If we make significant changes, we will notify you through the App. Your continued use of the App after any modifications constitutes acceptance of the revised Terms.
If you have any questions or concerns regarding these Terms or the App, please contact us at:
Email: contact@shikshafinanceiosapp.com
Address: 497, 3rd Floor, Kattima Isana Mall, Poonamalee High Road, Arumbakkam, Chennai, Tamil Nadu 600106, India