Terms of Service

1. Acceptance of Terms

By accessing and using the services provided by Sahajjo Micro Finance, you accept and agree to be bound by the terms and provision of this agreement.

2. Loan Services

We provide various loan services including but not limited to:

• Personal loans
• Business loans
• Home loans
• Educational loans

All loan approvals are subject to our credit assessment and internal policies.

3. Eligibility Requirements

To be eligible for our loan services, you must:

• Be at least 18 years of age
• Have a valid government-issued identification
• Provide accurate and complete information
• Meet our creditworthiness criteria
• Have a stable source of income

4. Application Process

When you apply for a loan:

• You must provide truthful and accurate information
• You authorize us to verify the information provided
• You consent to credit checks and background verification
• You understand that application does not guarantee approval

5. Interest Rates and Fees

Interest rates and fees are determined based on:

• Credit score and history
• Loan amount and term
• Income and employment status
• Current market conditions

All rates and fees will be clearly disclosed before loan approval.

6. Repayment Terms

Borrowers are required to:

• Make payments according to the agreed schedule
• Notify us immediately of any payment difficulties
• Maintain updated contact and employment information
• Pay any applicable late fees for missed payments

7. Default and Collections

In case of default:

• We may report delinquency to credit bureaus
• Additional fees and penalties may apply
• We may pursue legal action for recovery
• Collateral (if any) may be subject to seizure

8. Privacy and Data Protection

We are committed to protecting your privacy. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your personal information.

9. Prohibited Uses

You may not use our services for:

• Illegal activities or purposes
• Fraudulent or deceptive practices
• Money laundering or terrorist financing
• Any activity that violates applicable laws

10. Limitation of Liability

Our liability is limited to the extent permitted by law. We are not liable for indirect, incidental, or consequential damages arising from the use of our services.

11. Dispute Resolution

Any disputes arising from these terms will be resolved through:

• Good faith negotiation
• Mediation if negotiation fails
• Binding arbitration as a final resort
• Applicable jurisdiction laws

12. Modifications to Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting on our website. Continued use of our services constitutes acceptance of modified terms.

13. Termination

We may terminate or suspend your access to our services at any time for violation of these terms or for any other reason deemed necessary.

14. Governing Law

These terms are governed by the laws of the jurisdiction in which we operate. Any legal proceedings will be conducted in the appropriate courts of that jurisdiction.

15. Contact Information

For questions about these terms, please contact us:

• Email: help@sahajjofinance.com
• Phone: +91 9635721245
• Address: Mudi Market,Bolpur,Birbhum Near Bolpur High School PIN-731204