Terms & Conditions


Welcome to SMIA Money Lending

These Terms & Conditions govern your access to and use of our website and lending services. By using our website or applying for a loan, you agree to comply with these Terms & Conditions. If you do not agree with any part of these terms, please refrain from using our services.

  1. Eligibility

    To apply for a loan, you must:

    • Be at least 18 years of age.
    • Be legally competent to enter into a contract.
    • Provide accurate and complete information.
    • Meet our eligibility and verification requirements.
  2. Loan Approval
    • Submission of a loan application does not guarantee approval.
    • All applications are subject to verification, credit assessment, and internal approval policies.
    • SMIA Money Lending reserves the right to approve or reject any application without assigning any reason, subject to applicable laws.
  3. Interest Rates and Charges
    • Interest rates, processing fees, and other applicable charges will be communicated before loan disbursement.
    • By accepting the loan, you agree to pay all applicable interest, fees, penalties, and charges as specified in your loan agreement.
  4. Repayment

    Borrowers agree to:

    • Repay loan instalments (EMIs) on or before the due dates.
    • Ensure sufficient funds are available for scheduled repayments.
    • Pay any applicable late payment charges in case of delayed payments.

    Failure to repay on time may result in additional charges and legal action as permitted under applicable law.

  5. Borrower's Responsibilities

    You agree to:

    • Provide truthful and complete information.
    • Submit genuine documents.
    • Promptly inform us of any changes to your address, phone number, or employment/business details.
    • Cooperate during verification and recovery processes where applicable.
  6. Privacy and Data Protection

    We collect and process your personal information in accordance with our Privacy Policy. By using our services, you consent to the collection, storage, and processing of your information for loan processing, verification, customer support, fraud prevention, and legal compliance.

  7. Intellectual Property

    All content on this website, including text, graphics, logos, images, software, and design, is the property of SMIA Money Lending or its licensors and is protected by applicable intellectual property laws. Unauthorized use is prohibited.

  8. Modification of Terms

    SMIA Money Lending reserves the right to modify these Terms & Conditions at any time. Updated terms will be posted on this page with the revised effective date. Continued use of our website or services constitutes acceptance of the updated terms.

Disclaimer

All loans offered by SMIA Money Lending are subject to eligibility criteria, verification of documents, applicable laws, and the terms of the individual loan agreement. The information provided on this website is for general informational purposes only and does not constitute a binding offer of credit. Loan approval, amount, interest rate, and repayment terms are determined based on the applicant's eligibility and our internal lending policies.