This Code is adopted by FINAEXA FINANCE PRIVATE LIMITED (CIN U64990AS2025PTC028047), which owns and operates FINEXA. It applies to all credit lines and purchase loans offered through finexaemi.online, FINEXA partner merchants and FINEXA terminals.

1. Applications

• Application forms and the information we need are clearly explained in English before you start.
• We acknowledge every application with a reference number and tell you the expected decision time.
• We do not discriminate on the basis of gender, caste, religion or disability.

2. Assessment and terms

• Every application is assessed under a documented credit policy. Approvals above automatic limits are checked by two separate people (maker-checker).
• Before you accept, you receive a Key Fact Statement showing the credit limit, interest rate, all fees and charges, Annual Percentage Rate (APR), repayment schedule, cooling-off period and grievance contacts.
• No fee or charge that is not in the KFS can be charged.
• If we decline your application, we tell you the main reasons in writing.

3. Interest rate policy

• Interest is charged on a reducing-balance basis, on the outstanding principal only.
• Rates are set based on the cost of funds, operating costs, credit risk and tenure. The current standard rate is 24% per annum, plus a processing fee of 2% (minimum ₹99) plus GST per purchase, shown with the APR before you confirm.
• Any change to standard rates applies only to new offers; existing loans keep the terms in their KFS.
• No penal interest is charged; late payment attracts only the fixed late payment charge in your KFS.

4. Disbursal and changes

• Purchase loans are paid directly to the merchant for your order; you receive the loan details and schedule by email immediately.
• We give you advance notice of any change in terms that affects you.
• You may exit any purchase loan within the 3-day cooling-off period by repaying the principal, without penalty, and prepay at any time with no foreclosure charge.

5. Collections and recovery

• Reminders are sent by email and SMS before each due date.
• Calls and visits, if any, are made only between 8:00 am and 7:00 pm, in a polite and respectful manner.
• We never use intimidation, harassment, threats or abusive language, never contact your family, friends or employer about your dues, and never access your phone contacts or photos.
• Any collection agency acting for us will be named to you in advance, and its staff will carry identification.
• Repayments are applied to the oldest dues first; you receive a receipt for every payment.

6. Privacy and confidentiality

Your information is kept confidential and used only as set out in our Privacy Policy and with your consent, except where disclosure is required by law.

7. Grievance redressal

Raise any concern through Support or email care@finexaemi.online. Unresolved complaints are escalated to our Grievance Redressal Officer and answered within 30 days. See Grievance Redressal for escalation options.

8. Review

This Code is reviewed at least once a year and updated as needed.