Terms & Conditions
By accessing or using the Vijay Finance platform at vijayfinance.online, you agree to be bound by these Terms & Conditions. Please read carefully before using our services.
1. About Vijay Finance
Vijay Finance is a licensed money lending business under the Gujarat Money Lenders Act, owned by the proprietor of Vijay Finance / Vijay Mobile. The platform facilitates loan applications, disbursements, and EMI repayments digitally.
2. Eligibility
- You must be at least 18 years of age
- You must be an Indian resident with valid KYC documents
- You must have a valid bank account for disbursement and EMI deduction
- You must provide accurate and truthful information during application
3. Loan Terms
All loan terms including principal amount, interest rate, tenure, and processing fees shall be clearly communicated in the Loan Agreement before disbursal. By accepting the Loan Agreement, you confirm your understanding and acceptance of all terms.
- Interest rates are as per the approved Loan Agreement
- Late payment charges apply as per the schedule in your Loan Agreement
- Prepayment is allowed; applicable charges (if any) are detailed in the Loan Agreement
4. EMI & Payment Obligations
By registering an e-Mandate / NACH / UPI AutoPay, you authorize Vijay Finance to automatically deduct EMI amounts on due dates from your registered bank account. It is your responsibility to maintain sufficient balance.
- Failed EMI transactions may attract bounce charges
- Consistent defaults may be reported to credit bureaus
- You may cancel e-Mandate only after full loan repayment
5. Subscriptions
Vijay Finance may offer subscription-based access to premium loan management features. Subscription charges are recurring and will be auto-debited on the renewal date. You may cancel your subscription at any time through your account dashboard or by writing to us.
6. Prohibited Use
- Providing false or misleading information in loan applications
- Using loan funds for illegal activities
- Attempting to manipulate or defraud the platform
- Sharing account credentials with third parties
7. Limitation of Liability
Vijay Finance shall not be liable for any indirect, incidental, or consequential damages arising from your use of the platform. Our total liability shall not exceed the loan processing fees paid by you.
8. Governing Law & Dispute Resolution
These terms are governed by the laws of Gujarat, India. Any disputes shall be subject to the exclusive jurisdiction of courts in Kheda, Gujarat.
9. Contact
For queries regarding these Terms: vijayfinance@vaniapp.in