1. About these terms

FINEXA (finexaemi.online) is owned and operated by FINAEXA FINANCE PRIVATE LIMITED (CIN U64990AS2025PTC028047), registered office in Assam, India (“FINEXA”, “we”, “us”). By creating an account or using FINEXA you agree to these Terms, our Privacy Policy and our Fair Practices Code. Each credit line and each purchase loan is also governed by its loan agreement and Key Fact Statement (KFS); if anything conflicts, the loan agreement and KFS prevail.

2. Eligibility

• You are an Indian resident aged 18 or above (credit lines are offered to applicants who meet our credit policy, currently 21 to 60 years with a regular income).
• You give true, complete and current information and documents, and they belong to you.
• You keep only one FINEXA customer account.

3. Your account

Keep your password, PIN and one-time codes secret. FINEXA will never ask for them by phone, email or message. You are responsible for activity on your account until you tell us it has been compromised; report any unauthorised use immediately through Support. We may suspend or close an account to prevent fraud, or if these Terms are breached, and will tell you why unless the law prevents us.

4. Applying for credit

Applying requires digital KYC (PAN, address proof, live selfie, short verification video and electronic signature) and your consent for us to obtain your credit report. Submitting an application does not guarantee credit. If approved, you will see your credit limit, interest rate, all fees, APR and repayment terms in a KFS before you accept. Your electronic signature and acceptance (including re-entering your password) are your consent to the loan agreement.

5. Using your credit line

• Each purchase you confirm at a FINEXA partner merchant becomes a separate EMI loan on the terms shown before you confirm.
• Purchases reduce your available limit; repayments restore it.
• If your limit is not enough, you may pay the remaining amount to the merchant with another method, or the merchant may offer optional Merchant Credit with an access code.
• A 3-day cooling-off period applies to each purchase loan: repay the principal within it to exit without penalty.
• You may prepay at any time with no foreclosure charge.

6. Repayment

Pay each EMI by its due date to the lender’s account shown in your FINEXA account. Late payments attract the late payment charge stated in your KFS, are reported to credit information companies and may lead to your credit line being frozen. Collection follows our Fair Practices Code.

7. FINEXA Card

The FINEXA Card is a closed-loop credential for your FINEXA credit line. It works only on FINEXA checkout pages and FINEXA terminals at partner shops; it is not a Visa, Mastercard or RuPay card and cannot be used at ATMs. Set your own PIN; three wrong attempts lock the card. You can freeze, block or replace it in your account.

8. Merchants, goods and refunds

Merchants are responsible for their goods and services, delivery, warranty and returns. FINEXA is not the seller. When a merchant refunds a FINEXA purchase, your loan is reduced automatically. A dispute with a merchant does not by itself stop your EMIs, but tell us and we will help. See our Cancellation & Refund Policy.

9. Acceptable use

Do not misuse FINEXA: no false identities or documents, no use for unlawful purposes, no attempts to break security, scrape data or interfere with the service.

10. Communication

You agree to receive service messages (verification, checkout codes, EMI reminders, notices) by email and SMS. Marketing messages are sent only if you opt in.

11. Liability

We take reasonable care to keep FINEXA available and secure, but the website may sometimes be unavailable for maintenance or reasons beyond our control. To the extent permitted by law, we are not liable for indirect or consequential losses. Nothing in these Terms limits rights you have under applicable law.

12. Changes

We may update these Terms. Material changes will be notified to you in advance by email or in your account. Changes do not alter the terms of loans you have already taken.

13. Law and disputes

These Terms are governed by the laws of India. Please first raise any complaint through our Grievance Redressal process. Subject to that, courts in Assam, India have jurisdiction.

14. Contact

FINAEXA FINANCE PRIVATE LIMITED · Assam, India · care@finexaemi.online