Terms and Conditions

Welcome to Apni Zaroorat (hereinafter referred to as the "Company," "Platform," "we," "our," or "us"). These Terms of Use legally bind any individual or entity ("User," "you," or "your") accessing our website, mobile application, or digital tools. By accessing, browsing, or utilizing the Platform to apply for financial products (including but not limited to Personal Loans and Insurance), you explicitly acknowledge that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. If you do not agree to these terms, you must strictly cease the use of this Platform immediately.

Apni Zaroorat operates strictly as a technology-driven aggregator, Loan Service Provider (LSP), and Direct Selling Agent (DSA). We are NOT a Bank, Non-Banking Financial Company (NBFC), or an Insurance Underwriter.

• For Loan Products: We act as an intermediary, transmitting your requirements to RBI-registered banks and NBFCs ("Lending Partners"). We do not lend our own funds or determine credit eligibility.
• For Insurance Products: We act as a facilitator/aggregator for IRDAI-registered Insurance Companies ("Insurance Partners"). We do not underwrite risks or settle claims.

To use the services of Apni Zaroorat, you represent and warrant that you are a resident of India, at least 18 years of age, and possess the legal capacity to enter into a binding contract under the Indian Contract Act, 1872.

You are solely responsible for the authenticity of the data provided (including PAN, Aadhaar, Income Proofs, and Medical History). Submission of false, forged, or third-party information without explicit authorization constitutes fraud and will result in immediate permanent suspension of your profile and potential reporting to law enforcement authorities.

By proceeding on the Platform, you grant Apni Zaroorat and its authorized Partners irrevocable consent to:

• Fetch, verify, and store your credit information from authorized Credit Information Companies (CICs) such as Experian, CIBIL, Equifax, or CRIF High Mark to evaluate your eligibility for loan products.
• Contact you via SMS, WhatsApp, Email, or automated voice calls regarding your application status, product offers, and reminders. This consent overrides any registration on the National Do Not Call (NDNC) registry or similar DND preferences.

When applying for insurance products through Apni Zaroorat, you acknowledge that:

• Claim Settlement: Apni Zaroorat holds zero liability in the approval or rejection of any insurance claim. Claim settlement is the sole discretion and responsibility of the respective Insurance Partner.
• Premium Payments: All premium payments must be directed only to the Insurance Company. Apni Zaroorat never collects insurance premiums in its own accounts.
• Free-Look Period: Cancellations and refunds of insurance policies are strictly governed by the standard 'Free-Look Period' policies of the issuing Insurance Company as per IRDAI guidelines.

The approval, rejection, loan amount sanctioned, interest rate applied, and repayment tenure are exclusively determined by the Lending Partner based on their internal credit and risk policies. Apni Zaroorat cannot guarantee the approval of any loan application and shall not be held liable for any financial impact resulting from application rejection or delays in disbursal.

To the maximum extent permitted by applicable law, the Company, its founders, directors, employees, and technology partners shall not be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of or in any way connected with:

• The delay or inability to use the Platform or services;
• The rejection of your loan or insurance application by the respective partners;
• Any dispute, harassment, or recovery tactics employed by the Lending Partner or their authorized collection agencies;
• Server downtime, API failures, or unauthorized access to your device.

Your contract for any financial product is strictly a bipartite agreement between you and the respective Bank, NBFC, or Insurance Company.

All source code, UI/UX designs, content, graphics, and algorithms associated with Apni Zaroorat are the exclusive intellectual property of the Company. Users are strictly prohibited from reverse-engineering, scraping data, or utilizing automated bots to interact with our systems.

You agree to indemnify and hold harmless Apni Zaroorat and its affiliates from any legal claims, financial penalties, or expenses (including attorney fees) resulting from your violation of these Terms, submission of fraudulent documents, or breach of any applicable laws.

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising in connection with these Terms or the use of the Platform shall be subject to the exclusive jurisdiction of the competent courts located in Jaipur, Rajasthan.

In compliance with the Digital Lending Guidelines and applicable regulations, Apni Zaroorat has a dedicated grievance redressal process.

• For Platform/Tech Queries: You may reach our support team at support@apnizaroorat.com.
• For Product/Lender Disputes: If your grievance pertains to the actual loan product, credit decision, interest rates, or insurance claims, please note that Apni Zaroorat holds no control over these matters. Such disputes must be escalated directly to the respective lending Bank/NBFC, Insurance Company, or the RBI Ombudsman.
• Grievance Officer: For strictly platform-specific unresolved disputes, you may contact our Grievance Officer in writing:
  Email: grievance@apnizaroorat.com
  Address: 937, Subhash Chowk, Jaipur, Rajasthan 302002.