Our Terms and Conditions outline your rights, responsibilities, and how BankEMI delivers trusted, transparent financial facilitation services.
This Agreement outlines the terms and conditions that govern the use of the Website “www.bankemi.in“ and its Mobile Application (collectively referred to as the “Website”), which is managed and operated by Bank EMI Marketing and Consulting Private Limited (hereinafter referred to as “Company” or “Bank EMI”). The Company is incorporated under the laws of India and complies with the Companies Act, 1956.
This document is an electronic record under the Information Technology Act, 2000 and does not require physical or digital signatures. It is published in accordance with Rule 3 of the Information Technology (Intermediaries Guidelines) 2011.
By accessing or registering on this Website, users (“you” or “your”) agree to be bound by these Terms of Use (“TOU”). This Agreement, together with the Privacy Policy and Disclaimer, sets out the rules, guidelines, policies, terms, and conditions applicable to your use of this Website and the services it provides.
Your continued use of the Website constitutes acceptance of these terms, and BankEMI reserves the right to update or modify the TOU at any time, with or without prior notice. Please return to this page regularly to review the most current version.
PLEASE READ THESE TERMS CAREFULLY. YOUR CONTINUED USE OF THE WEBSITE SIGNIFIES YOUR ACCEPTANCE OF THE TERMS CONTAINED HEREIN.
BankEMI offers various financial services, including loans, credit cards, savings accounts, fixed deposits, and mutual fund investments (collectively referred to as “Services”). These Services may also include third-party services such as credit checks and data retrieval, which are carried out in compliance with applicable laws and regulations, including those set by the Reserve Bank of India (RBI).
By using the Services, you consent to the use of your personal data in accordance with BankEMI’s Privacy Policy and RBI guidelines. The Company retains the right to share necessary information with its affiliates and third-party service providers for service facilitation, marketing, and joint offerings.
The provision of these Services is dependent on your voluntary participation, and your continued use of the Services signifies your acceptance of these terms, including any updates or modifications.
You acknowledge that BankEMI owns all rights to the Website and its content, including text, images, graphics, and intellectual property. This content is protected by applicable copyright, trademark, and intellectual property laws.
BankEMI grants you a limited licence to access and use the Website for personal purposes only. This licence does not include the unauthorised downloading, copying, or modification of the Website’s content. Any breach of this licence will result in the termination of your access.
You are also prohibited from:
By using the Website, you consent to the collection, storage, and use of your personal data as outlined in our Privacy Policy, which is in line with RBI’s data protection guidelines. The Privacy Policy explains how your information is used and shared with third parties for service facilitation, marketing, and compliance with legal requirements.
Any content you submit through the Website, including personal data and financial information, is your responsibility. By submitting content, you grant BankEMI a non-exclusive, perpetual, royalty-free licence to use, modify, and distribute such content.
You are prohibited from posting illegal, defamatory, or obscene material, and BankEMI reserves the right to remove any inappropriate content at its discretion.
The Website may provide links to third-party websites or services. BankEMI does not control these third-party sites and is not responsible for their content or offerings. Your interaction with third-party services is at your own risk, and BankEMI is not liable for any damages resulting from such interactions.
BankEMI, including its affiliates and third-party service providers, shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Website or Services. In the event of any proven liability, BankEMI’s liability will be limited to the fees paid by you for the affected Service.
The Website may allow users to post messages or send emails. BankEMI is not responsible for monitoring such communications but may remove content that violates the Terms of Use. Misuse of these features is strictly prohibited.
You agree to indemnify and hold BankEMI harmless from any claims, damages, or losses arising from your breach of these terms, your violation of any laws, or your use of the Website and Services.
BankEMI reserves the right to change these Terms at any time. Updated versions will be posted on this page. Continued use of the Website after changes constitutes your acceptance of the revised terms.
If you have any questions, concerns, or feedback related to these Terms and Conditions, or if you wish to report a violation or seek clarification regarding our services, please get in touch with us through any of the following channels:
Company Name:
BankEMI
Registered Office:
SCO 12, Sector 66, West Side, Mohali – 160062, Punjab, India
Email:
info@bankemi.in
Phone:
+91-99144-64646
Our support team is available during business hours (Monday to Saturday, 9:00 AM – 7:00 PM; Sunday, 12:00 PM – 6:00 PM) and will be happy to assist you with any enquiries or complaints related to your use of the Website or Services.