Akme Fintrade (India) Limited, a company established under the Companies Act, 2013, functions as a Non-Banking Financial Company (NBFC) and is registered with the Reserve Bank of India (RBI) under Section 45-IA. It is classified as an Investment and Credit Company. The company’s registered office is located at Akme Business Center, 4-5, Sub City Center Rd, Savina, Udaipur, Rajasthan 313002. For simplicity, it will be referred to as “AFIL,” “the Company,” “we,” or “us.” AFIL is the authorized user of the website akmefintrade.com (“Website”).

This Agreement encompasses and incorporates by reference the policies and guidelines mentioned herein. If you do not agree with these terms, you are not permitted to access or use the Services. These Terms of Use (the “Agreement”) govern your access to and use of the website, applications, content, products, and services (collectively, the “Services”) provided by akmefintrade.com.

Akme Fintrade (India) Limited holds the authority to modify or update the terms and conditions of this Agreement at any time by posting the revised version or changes on this Website. The company may periodically make amendments to this Agreement. Such updates will become effective immediately once they are published at this location or through the updated policies or additional terms related to the Services. Your continued use or access to the Services after these updates implies your acceptance of and agreement to the revised terms. AFIL recommends that you review this Agreement regularly whenever you visit the Website to ensure you are aware of the current rules and regulations that apply to your use of the site.

This Agreement does not modify or affect any other written agreements you may have with Akme Fintrade (India) Limited regarding different products or services. If you do not agree with this Agreement, including any referenced policies or guidelines, you should immediately stop using the Services. To print a copy of this Agreement, simply click the print option on your browser toolbar. Regarding the use of the information gathered:

Akme Fintrade (India) Limited may utilize the personal data obtained from you to deliver the requested products and services, as well as for internal operational purposes, which may include but are not limited to:

• Tomanage and maintain your account with us;
• Torespond to your inquiries and provide the services you request;
• Toprocess your transactions and offer related services before, during, and after the transaction;
• Toenhance, develop, and promote our products and services, including website content and overall performance;
• Toassess how you use our services;
• Tosend you advertisements for products and services that may interest you;
• Tocommunicate with you via email, postal mail, courier, or telephone about products or services that could be relevant to you;
• Tokeep you informed about matters related to your business relationship with us;
• Toensure your compliance with the terms and conditions tied to our products and services, including verifying your identity;

• Toperform any other functions that we inform you about at the time of data collection or with your consent.

Additionally, certain data we gather, such as the IP address of any device you use to access our website or other domains managed by Akme Fintrade (India) Limited, will be utilized to monitor and investigate potential violations of our terms and conditions or other relevant agreements between you and us. The way we handle and share your personal information, as outlined in this Privacy Policy, may involve transferring your data to Akme Fintrade (India) Limited, affiliated companies within the Shriram Group, or third-party entities.

Customer Outreach: Unless you explicitly inform our third-party call center staff or directly notify Akme Fintrade (India) Limited sales representatives during calls that you wish to opt out of receiving further communications and solicitations, you will continue to receive emails and phone calls from us and our designated in-house or third-party teams.

Opt Out Options: We offer two straightforward methods for you to decline future solicitations.

You have the option to unsubscribe by clicking the link included in any email communication you receive from us. Alternatively, you can send a written request to remove your contact details to the following address: Akme Fintrade (India) Limited, akme business center, 4-5, Sub City Center Rd, Savina, Udaipur, Rajasthan 313002, India Ownership Rights: All rights and trade secrets related to the services provided by Akme Fintrade (India) Limited are owned by us. You are not permitted to copy, reproduce, sell, or distribute any of our services. We also retain all rights to the trademarks and unique design elements of this website, including call-to-action buttons, text layout, images, and other content.

Website policy

When you visit our website, use our services, or view our online advertisements, Akme Fintrade (India) Limited may collect and store certain information about you. The data gathered during normal interactions with the site helps us monitor how the site is used and supports the ongoing development of our products and services. We utilize this information to enhance our online offerings.

Regarding the Use of Website and/or Services: Akme Fintrade (India) Limited is not responsible for any damages that may arise from your use of this website or our services. You agree not to use the website or services for any unlawful activities

• Comply with all relevant local, state, national,and international laws and regulations while using the website, including those related to intellectual
• Refrainfrom interfering with or disrupting the experience of other users on the website or with our services.
• Donot resell any material found on the 
• Avoidsending or transmitting unsolicited communications such as spam, chain letters, junk mail, or similar messages, directly or indirectly.
• Donot defame, harass, abuse, or cause disruptions to other users of the
• You must beat least 18 years old to access and use our services. By using our platform, you confirm that you meet this age  Akme Fintrade (India) Limited reserves the right to deny or revoke access to the website, applications, content, products, and services if it becomes aware that a user does not meet the eligibility criteria. In such cases, we will remove their information from our database.
• Wemay invite you to participate in various promotional activities through social media platforms, surveys, or blogs managed by third parties such as LinkedIn, Facebook, Instagram, or YouTube.

As part of the regular operation of our services, Akme Fintrade (India) Limited may contact you through phone calls, text messages (including SMS and WhatsApp), push notifications, and emails. You have the option to stop receiving text messages and emails from us at any time by following the instructions provided in our opt-out process. Please be aware that choosing to opt out of these communications might affect your ability to fully access or utilize the services.

License: When you use this website, you are not permitted to copy, reproduce, share, distribute, or create derivative works from its content or information unless you have obtained explicit written permission from Akme Fintrade (India) Limited or the relevant third party if third-party content is involved.

Posting: By uploading, saving, or transmitting any content on this website, you grant Akme Fintrade (India) Limited a permanent, worldwide, non-exclusive, royalty-free license to use, copy, display, perform, modify, distribute, and transmit that content in any form or media, whether now known or developed in the future, across the globe.

Akme Fintrade (India) Limited does not have the ability to control the nature of the user- generated content offered through the Website or Third party. You are solely responsible for your interactions with other users of the Website or Third party and any content you post. Akme Fintrade (India) Limited is not liable for any damage or harm resulting from any posts by or interactions between users. Akme Fintrade (India) Limited reserves the right, but has no obligation, to monitor interactions between and among users of the Website or Third party and to remove any content Akme Fintrade (India) Limited deems objectionable, in Akme Fintrade’s sole discretion.

Copyright Infringement Notice:

Akme Fintrade (India) Limited strictly prohibits copyright violations on its website and applications. We reserve the right to remove any content that is reported to infringe upon someone else’s copyright rights. If necessary, we may also suspend or revoke the ability to submit content, especially if an individual is found to be a repeat infringer.

If you are a copyright owner or authorized representative and believe that any content on our site or app violates your copyrights, you can notify us by providing the following details in writing:

• Asigned or electronic confirmation from someone authorized to act on behalf of the owner of the copyrighted work that is allegedly being infringed.
• Detailsidentifying where the original or a authorized copy of the copyrighted material can be found.
• Clear identification of the content claimed to be infringing, along with a descriptionof the infringing activity and enough information to help Akme Fintrade (India) Limited locate the material.
• Contactinformation sufficient for us to reach you, such as an address, phone number, and if available, an email address.
• Astatement affirming that you genuinely believe the use of the material in question is not authorized by the copyright owner, their agent, or law.
• A declaration that the information provided is accurate, and under penalty of  perjury,that you have the authority to act on behalf of the copyright owner whose work is allegedly being infringed.

The Services are offered on an “as is” and “as available” basis. Akme Fintrade (India) Limited makes no warranties or guarantees, whether express, implied, or statutory, that are not explicitly stated in these terms. This includes implied warranties of merchantability, suitability for a particular purpose, and non-infringement. Furthermore, Akme Fintrade (India) Limited does not promise that the Services will be reliable, timely, of high quality, suitable, or always available, nor that they will be free of interruptions or errors. We do not guarantee the quality, safety, or effectiveness of third-party providers or any services or products obtained through the use of our Services. By using the Services, you accept that all risks related to your use, including any services or products you request, are solely yours, to the fullest extent permitted by law.

Indemnity

You agree to protect and hold harmless Akme Fintrade (India) Limited, along with its officers, directors, employees, and agents, from any claims, demands, damages, liabilities, or costs (including legal fees) that may arise related to or resulting from your use of the services or any actions connected to it.

• Anyuse of the Services or the goods and services you acquire through them;
• Anybreach or violation of these Terms by you;
• HowAkme Fintrade (India) Limited uses your User Content;
• Anyinfringement of the rights of third parties, including Third Party Providers, by

General

Force Majeure:

Akme Fintrade (India) Limited shall not be considered in breach of this agreement or held liable for any stoppage, disruption, or delay in fulfilling its obligations caused by events such as earthquakes, floods, fires, storms, natural disasters, acts of God, wars, acts of terrorism, armed conflicts, strikes, lockouts, or boycotts of operations. Akme Fintrade (India) Limited reserves the right to suspend or terminate the operation of the Website and Services at any time, at its sole discretion, without providing prior notice to you. Effect of Waiver:If Akme Fintrade (India) Limited does not exercise or enforce any particular right or provision of this Agreement, it does not mean that such rights or provisions are waived. Should any part of this Agreement be deemed invalid by a court with proper jurisdiction, the parties agree that the court should make every effort to interpret the provision in a way that reflects their original intentions. All other provisions of this Agreement will continue to remain in full effect.

Governing Law:

This Website is based in Udaipur, Rajasthan, India. The laws of Udaipur, Rajasthan will govern this Agreement, regardless of any conflict of law principles. Neither you nor Akme Fintrade (India) Limited will initiate or pursue any legal action, proceeding, or claim to enforce this Agreement, seek damages for breach or default, or for any other reasons related to this Agreement, except in the courts located within Udaipur, Rajasthan, India. By accessing and using this Website, you agree to submit to the jurisdiction and venue of these courts for any legal matters arising under or related to this Agreement. You also waive any right to a jury trial concerning this Agreement and any related documents.

Waiver of Class Action Rights

By agreeing to this, you permanently give up any right to participate in claims together with others through a class action or similar legal process. Any disputes or claims related to this Agreement must be made on an individual basis.

Statute of Limitations: 

You acknowledge that, despite any laws or statutes that might say otherwise, any claim or legal action related to your use of the Products or Services or this Agreement must be brought within one (1) year from the date the issue arose. If not filed within this period, the claim will be permanently barred.

Termination

Akme Fintrade (India) Limited retains the right to revoke your access to the Website if it reasonably believes, at its sole discretion, that you have violated any of the terms and conditions outlined in this Agreement. After termination, you will no longer be allowed to use the Website, and Akme Fintrade (India) Limited may, at its sole discretion and without prior notice, cancel any Products or Services. In the event your access is revoked, the company reserves the right to take any necessary actions to prevent unauthorized entry. This Agreement will remain in effect indefinitely unless and until Akme Fintrade (India) Limited decides, at its sole discretion and without prior notice, to terminate it.

Domestic Use:

Akme Fintrade (India) Limited does not guarantee that the Services are suitable or accessible outside of India. If you choose to access the Website from abroad, you do so at your own risk and responsibility, and you must ensure you comply with any relevant local laws.

Assignment:

You are not permitted to transfer your rights or responsibilities under this Agreement to anyone else. However, Akme Fintrade (India) Limited has the right to assign its rights and obligations under this Agreement at its sole discretion and without providing prior notice to you.

1.2 KYC-Related Terms and Conditions

1.2.1 CKYC Consent

1. I give my permission to AFIL to verify, check, retrieve, download, upload, or update my KYC information from or with the Central KYC Registry (CERSAI). This may be done by either:(i) verifying my details using the CKYC number (also known as the KYC IdentifierNumber or KIN) that I provide, or(ii) obtaining the CKYC number/KIN based on information I share in this application form.
2. Ialso agree to receive updates and information from the Central KYC Registry via SMS or email on my registered contact details.

1.2.1 Aadhaar-Based Authentication (eKYC) or Verification (OKYC) via UIDAI

1. Consent:

At my own choice, I voluntarily opt to use Aadhaar-based authentication (eKYC) or verification (OKYC) services provided by UIDAI. I agree to submit the physical or electronic copies of my Aadhaar card, including physical Aadhaar/e-Aadhaar/masked Aadhaar, QR code, or the offline XML file issued by UIDAI. This includes details like my Aadhaar number, Virtual ID, name, date of birth, address, photograph, demographic info, biometric data, and face authentication details (collectively referred to as “Information”). I am providing this information to establish my identity and address proof, or in the case of a guardian, to verify my minor child’s details.

I understand that AFIL may share my Aadhaar number and/or biometric data with CIDR/UIDAI, and in response, UIDAI may share authentication or verification data such as my name, date of birth, address, photo, and registered mobile number with AFIL.

1. Purpose: Whetherfor myself or as a guardian of a minor child, I give my permission and consent to AFIL for the following purposes:

• The information provided will be used for KYC and periodic updates in compliance withthe Prevention of Money Laundering Act, 2002, its rules, RBI guidelines, and other applicable regulations. It may also be used to establish my identity, carry out my identification, e-KYC, OKYC, Yes/No Authentication, or other demographic and verification processes permitted by law, for all current and future accounts, services, and relationships with AFIL.

• The collection, sharing, storage, and preservation of my information, along with authentication, verification, and identification records, will be done for:
• the purposes mentioned above,
• regulatory reporting and legal filings, and/or
• as required by applicable 
• Recordsand logs of my consent, information, or authentication activities may be maintained for legal or evidentiary purposes, including in courts, authorities, or arbitration proceedings.

I also understand that my Aadhaar number and core biometric data will not be stored or shared except as mandated by law and solely for submission to CIDR/UIDAI.

Additionally, I agree to submit one of the following official valid documents—such as Aadhaar, Voter ID, Driving License, or Passport—to the company for customer due diligence and KYC purposes.

Consent for Data and Information Sharing via DigiLocker Provided by MeIT (Ministry of Electronics and Information Technology): I give my permission to AFIL to access, share, and store certified copies of official documents (OVDs) or equivalent electronic documents, including those issued through the secure cloud-based DigiLocker platform managed by MeIT. This is for the purpose of availing financial products and services offered by AFIL.

KYC via Video Customer Identification Process (VCIP) – If I choose to undergo VCIP, I hereby agree, acknowledge, and give my authorization: That the video-based KYC validation (“Video KYC process”) has been offered as an alternative method for verifying my identity with AFIL.

That the video-based KYC validation (“Video KYC process”) has been offered as an alternative method for verifying my identity with AFIL

That my KYC will be completed by AFIL through the Video KYC process, in accordance with the applicable regulations, including the Master Direction on KYC issued by the Reserve Bank of India (RBI), along with any subsequent

That all the details, information, and data I provide during this Video KYC are true, accurate, and current in every respect.

That the Video KYC process will involve, but is not limited to, the following steps carried out by an authorized officer of AFIL:

Live capture of my photograph, along with real-time GPS coordinates (geo-tagging) and date-time stamp at the moment the photo is taken, during the VCIP process.

Live capture of my photograph, along with real-time GPS coordinates (geo-tagging) and date-time stamp at the moment the photo is taken, during the VCIP process.

If permitted under applicable laws and regulations, Aadhaar card may be accepted as a valid documentary proof, and it will be obtained as per the relevant legal

The video recording of the interaction, which is part of the Video KYC process, will be stored by AFIL in accordance with applicable laws and regulations.

I may be asked to submit other officially valid documents (OVDs) or equivalent documents,or any additional documents that AFIL may request, as part of this Video KYC process.

I explicitly give my consent to AFIL to verify any or all of the information and documents I have provided.

I agree to complete the entire Video KYC process within the time frame specified by AFIL. If I fail to do so for any reason, AFIL reserves the right to reject my loan or product application, or to discontinue the services or products for which this KYC is required.

If the KYC documents or details I submit during the Video KYC process do not match or if discrepancies are found after verification against the original documents I provided, AFIL reserves the sole right to reject my loan or product application and/or to discontinue the services or products for which KYC is required.

If I am unable to complete my Video KYC validation or if I drop out midway due to technical issues, system errors, server problems, or other operational difficulties, I may be given an opportunity to complete the Video KYC process later or may be required to fulfill my KYC obligations through an in person verification  I agree to undertake and complete such physical KYC if needed.

AFIL does not guarantee uninterrupted access to the application and shall not be responsible or liable for any loss, expense, or damage I may incur due to technical glitches, system failures, server errors, or other issues beyond AFIL’s reasonable control during the Video KYC process.

I confirm that all the information and details, including but not limited to my financial statements, bank statements, and KYC information, provided or to be provided in support of my application, or shared with third parties such as the Central KYC Registry, are true, accurate, and current. I have not withheld any material information that AFIL might require. I agree to promptly update AFIL about any changes to the information I have shared, particularly KYC/CKYC details, bank information, or my address and contact  I understand that if any of the information I provide is found to be false, misleading, or misrepresented, I may be held responsible, and I will not hold AFIL liable for any consequences arising from such discrepancies or delays caused by my actions.

Refund Policy

Akme Fintrade (India) Limited- AFIL does not entertain refunds or cancellations since we operate as a Non-banking Finance Company. To collect EMI payments from our customers, we rely on a payment gateway.

Once a payment is made through the payment gateway, it cannot be refunded, except in the following cases:

• If the customer’s card or bank account is debited multiple times due to a technical error, or if an excess amount is debited in a single transaction because of a technical glitch. In such instances, the excess amount, excluding any charges by the payment gateway, will be reimbursed to the customer.
• If there is a technical error leading to a charge on the customer’s card or bank account, but the transaction fails to go through.

AFIL does not process refunds or cancellations, as we are a Non-banking Finance Company, and we depend on a payment gateway for EMI collections.

To request a refund, the customer must submit an application along with the transaction ID and the original payment receipt, if available.

There fund request should be sent in the prescribed format to care@akmefintrade.com

Once received, the application will be manually reviewed. If the claim is found valid after verification, the excess amount paid will be refunded via electronic transfer to the customer’s account, and a confirmation will be sent to the provided mailing address within7 calendar days of receiving the  It may take an additional 3 to 7 days for the funds to appear in the customer’s bank account, depending on the bank’s processing time.

The company shall not be held responsible or liable if it is unable to process any payment instructions on the scheduled payment date due to any of the following reasons:

If the payment instructions provided are incomplete, incorrect, or invalid, or if there are delays in processing.

If the payment account lacks sufficient funds or limits to cover the transaction 

If the funds in the payment account are under any attachment or 

If the bank refuses or delays honoring the payment 

Any circumstances beyond the company’s control, such as natural disasters, fires, floods,bank strikes, power outages, or system failures like breakdowns in computer or telephone lines due to unforeseen causes or external interference.

The user agrees that the company, at its sole discretion, can suspend or terminate their account or usage of services, or remove any part of their account, profile, or recipientdetails, at any time and without prior  The company may also discontinue access to the services or any part of them at any time, with or without notice. The user understands that such termination can happen without prior warning and that the company shall not be held accountable for any consequences. Any suspicious, fraudulent, abusive, or illegal activity may be reported to law enforcement authorities. These measures are in addition to any other legal remedies available to the company. Upon account termination, the user agrees to immediately cease using the services.

The user agrees that the company, at its sole discretion, can suspend or terminate their account or usage of services, or remove any part of their account, profile, or recipientdetails, at any time and without prior  The company may also discontinue access to the services or any part of them at any time, with or without notice. The user understands that such termination can happen without prior warning and that the company shall not be held accountable for any consequences. Any suspicious, fraudulent, abusive, or illegal activity may be reported to law enforcement authorities. These measures are in addition to any other legal remedies available to the company. Upon account termination, the user agrees to immediately cease using the services.