• The user hereby accepts the applicable schedule of charges, fees, commissions including the key facts informed to them by Kissht and as more particularly mentioned in the "Schedule of Charges" of this policy.
• That Goods & Services tax and/or such other tax is applicable and will be charged in connection with the loan.
• That no discount or free gift or any other commitment whatsoever is given to customers by Kissht or any of its authorized representative(s) other than what is documented herein.
• Kissht shall not process incomplete/defective application form, for which if any loss or delay is caused to customers, customers will not hold Kissht liable for such loss or delay.
• That submission of loan application to Kissht does not imply automatic approval and the Financer will decide the quantum of the loan at its sole and absolute discretion. The Financer in its sole and absolute discretion may either sanction or reject the application for granting the loan.
• That the Financer shall have the right to make disclosure of any information relating to me/us including personal information, details in relation to Loan, defaults, security, etc. to the Credit Information Bureau of India (CIBIL) and/or any other governmental/regulatory/statutory or private agency/entity, credit bureau, the Financer's other branches/subsidiaries/affiliates/rating agencies, service providers, other banks/financial institutions, any third parties, any assignees/potential assignees or transferees, who may need, process and publish the information in such manner and through such medium as it may be deemed necessary by the publisher/ Company/ including publishing the name as part of wilful defaulter's list from time to time, as also use for KYC information verification, credit risk analysis, or for other related purposes.
• The Financer reserves its right to reject the loan application and retain the loan application form along with the photograph, information and documents.
• In respect of any delayed payments, without prejudice to all other rights of the Financer under these Terms & Conditions: The Financer shall be entitled to recover Penal Charges me/us described in the Schedule of Charges.
• That I/ We shall furnish any additional documents as and when required by the Financer .
• That there is no impediment or restriction (whether legal or judicial) against customers and/or their asset filed/reported by any other bank/financer.
• That the funds shall be used for the purpose for which loan has been applied and will not be used for speculative or antisocial purpose.
• That the information furnished by customers is true and accurate.
• The Borrower agrees that he/she is not a Politically Exposed Person (PEP) (“Politically Exposed Persons” (PEPs) are individuals who are or have been entrusted with prominent public functions by a foreign country, including the Heads of States/Governments, senior politicians, senior government or judicial or military officers, senior executives of state-owned corporations and important political party officials) and further undertakes to immediately intimate the lenders’ in the event that he/she and/or any of their family members /close relatives becomes a PEP. In this situation, the lenders’ will seek senior management approval to sustain the business relationship. The account will then undergo Customer Due Diligence procedures, including ongoing enhanced monitoring, as required for PEP category customers.

• Customers advise Kissht in writing of any change in their residential or employment address
• Customers hereby authorize and give consent to the Financer to disclose, without notice to me/ us, information furnished by me/us in the application form(s)/ related documents executed/ to be executed in relation to the facilities to be availed by customers from the Financer , to the Financer's other branches/ subsidiaries/ affiliates/ Credit Bureaus/ Rating Agencies/ Service Providers, banks/ financial institutions, governmental/ regulatory authorities or third parties for information verification, credit risk analysis, or for other related purposes that the Financer may deem fit. Customers waive the privilege of privacy and privity of contract.
• Customers hereby confirm having received, read and understood the terms and conditions applicable to this loan including the application form and the Terms and Conditions/ Agreement and accept the same.
• Customer confirms that he/she is citizen of India.
• Customers confirm that Kissht shall not be liable for any delay in delivery or no delivery of the product and or with respect to the quality, condition, fitness, suitability or otherwise whatsoever of the said Product.
• Customers hereby confirm that he/she and his/her family members are not politically exposed person. Customers further declare that any time in future if there is any change in the status as declared above, He/She shall promptly inform us in writing. Customers is aware that a false declaration could render him/her liable to prosecution under the applicable act, rules and regulations.

• In the case of loan cancellation, the applicable pro-rata Annualised Percentage Rate on any outstanding loan amount will have to be borne by Customers and understand that Processing Fee is non-refundable charges and would not be waived/ refunded in case of loan cancellation or where the loan has not been disbursed.
• The sanction or any other loan communication received by customers online is only be a conditional approval and shall not give rise to any obligations to the Financer to disburse the loan or otherwise. The conditional approval shall be subject to the final sanction issued by the Financer after receipt of all documents including KYC documents from me.
• The loan related information like "welcome letter", “key fact statement” "repayment schedule", "Terms and condition", "disbursal advice (as applicable to Personal Loan/ Business Loan)", will be sent on the e-mail id mentioned by customers in this loan application form.
• Customers can log on to https://kissht.com / Kissht Mobile App to view the welcome letter and repayment schedule. Customers may also request for a physical copy of Welcome Letter and Repayment Schedule separately if need be.
• The Financer reserves the right to transfer the loan to another entity at its own discretion.
• If Customers desire to question any statement or any part thereof Customers shall furnish the Financer full details of the same within 15 days of the receipt of the statement. It is however clarified that the Customers shall not be entitled to default or delay the payment of the instalments on the ground of the Statement of Account furnished by the Financer being inaccurate or any other ground.
• The Sanctioned Loan, interest, additional penal charges, fees, expenses and all other sums whatsoever including but not limited to Outstanding payable by Customers to the Financer hereunder may, if required by the Financer be secured by the product on which the Financer shall have first and exclusive rights. This does not include products where, as per law, no lien is allowed such as jewellery items. Loans, under which such products are purchased, will be deemed unsecured.

Customers hereby agree that:

• Customers have given NACH Mandate in favour of the Financer covering all the amounts due to the Financer under these Terms & Conditions including the EMI towards the Sanctioned Loan as stipulated herein or that the Customer hereby confirms/agrees to pay the amounts due to Financer on or before the dates provided in repayment schedule.
• Customers shall ensure availability of funds in the account on which such NACH Mandate/ have been drawn and that the Customers will not at any time close his account and/ or issue any notice instructing the Financer not to present any of such NACH Mandate towards repayment of EMI payable by the Borrower to the Financer under these Terms & Conditions.
• As a part of the loan application, the Financer may require to access Customer's CIBIL/Credit score. Customers authorize the Financer to make any enquiries with any other finance company / bank / registered credit bureau regarding customer's credit history with them.
• Customers, would like to know through telephonic calls, or SMS on their mobile number mentioned in the Application Form as well as in this undertaking, or through any other communication mode, various loan offer schemes from the Financer or loan promotional schemes or any other promotional schemes and hereby authorize the Financer, it's employees, agents, associates to do so. Customers confirm that laws in relation to the unsolicited communication referred in "National Do Not Call Registry" (the "NDNC Registry") as laid down by TELECOM REGULATORY AUTHORITY OF INDIA will not be applicable for such communication/calls/SMSs received from the Financer, its employees or agents and have read and agree by the privacy policy of Kissht at https://kissht.com/privacy-policy/
• The loan will be governed by separate terms and conditions and/ or other documents ("Loan Documents") entered into with the Financer as the case may be. In case of any inconsistency between these terms and conditions and the provisions of the Loan Documents, the provisions of the Loan Documents shall prevail.
• Kissht is solely responsible for the website https://kissht.com and all contents thereof and for all data or information that may be submitted thereon as also for all products and services offered therein.

• It will be the sole responsibility of the Customer to ensure that the use of name and password are kept confidential and not disclosed to any third party, including any representative of Kissht, or its agents and shall take all possible care to prevent discovery of the under name or password by any person.
• Kissht makes no representations about the timeliness, of the services contained on the Kissht web site for any purpose.
• Kissht makes no representations about the suitability, reliability, availability, of the services contained on the Kissht web site for any purpose.
• Kissht shall not be responsible if any information/ database/ statement/ certificate/ page is printed/ downloaded from Kissht's site and after printing/ downloading complete/partial, text/information is altered/ removed/ obscured contained therein.
• Kissht, at no event, be liable/ responsible for any direct, indirect, punitive, incidental, special, consequential damages or any damages for the delay or inability to use the Kissht web site, or failure to provide services, or for any information, date, statement, certificate, software, and any other services obtained through the Kissht web sites, or otherwise arising out of the use of Kissht web site.
• Kissht reserves the right to suspend these services if in Kissht's opinion security of the site or of the data could be compromised.
• Kissht may also suspend services on the web site for any customer at its sole discretion without assigning any reason whatsoever. In such event user shall contact Kissht offices for any clarification.