Terms & Conditions

Welcome to Shreyx Finance Pvt Ltd. These Terms and Conditions govern your use of our website and financial services. By accessing or using our services, you agree to be bound by these terms.

Last updated: September 2025 |Effective date: September 2025

1. Acceptance of Terms

By using our website, mobile application, or availing our financial services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

2. Company Information

Shreyx Finance Pvt Ltd

  • Registered Office: Bharuch, Gujarat, India 392001
  • Email: shreyx@contact.com
  • Phone: +91 7499998358
  • Business Hours: Monday–Saturday, 10 AM – 7 PM IST

3. Eligibility Criteria

General Requirements

  • Must be an Indian citizen or resident
  • Age between 21-65 years
  • Valid government-issued ID (PAN, Aadhaar)
  • Active bank account

Financial Requirements

  • Minimum monthly income of ₹25,000
  • Stable employment or business
  • Good credit history (CIBIL score 650+)
  • Ability to provide income proof

4. Loan Products & Services

💳 Personal Loans

Interest rates starting from 10.99% p.a. Loan amount up to ₹50 lakhs with flexible repayment tenure.

🏢 Business Loans

Interest rates starting from 12.99% p.a. Business financing solutions up to ₹2 crores.

🛍️ Consumer Durable Loans

Interest rates starting from 13.99% p.a. Finance your purchases with easy EMI options.

5. Application Process

  1. Online Application: Fill out our secure online form with accurate information
  2. Document Submission: Upload required documents (PAN, Aadhaar, income proof, bank statements)
  3. Verification: Our team will verify your information and documents
  4. Credit Assessment: AI-powered credit scoring using 500+ variables
  5. Approval Decision: Get approval decision within 2 minutes
  6. Loan Agreement: Review and sign the loan agreement
  7. Disbursement: Receive funds directly in your bank account

6. Interest Rates & Fees

⚡ Important Information

  • Interest rates are subject to change based on market conditions and RBI guidelines
  • Final interest rate depends on your credit profile, loan amount, and tenure
  • Processing fees, if applicable, will be clearly disclosed before loan approval
  • No hidden charges - complete transparency in pricing
  • Early repayment options available with minimal charges

7. Repayment Terms

💰

EMI Payment

Monthly installments via auto-debit

📅

Flexible Tenure

12 to 84 months repayment period

⚡

Prepayment

Part or full prepayment allowed

8. User Responsibilities

📋 Your Commitments

  • Provide accurate and complete information during application
  • Submit genuine documents without any falsification
  • Make timely EMI payments as per the agreed schedule
  • Inform us immediately of any changes in your contact details or financial status
  • Use the loan amount only for the stated purpose
  • Comply with all applicable laws and regulations

9. Default & Recovery

In case of default in EMI payments, we reserve the right to:

  • Charge late payment fees and penalty interest
  • Report default to credit bureaus, affecting your credit score
  • Initiate legal action for recovery of outstanding dues
  • Exercise rights over collateral, if applicable

10. Privacy & Data Protection

We are committed to protecting your privacy and personal information. Please refer to ourPrivacy Policyfor detailed information about how we collect, use, and protect your data.

11. Limitation of Liability

Shreyx Finance Pvt Ltd shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our services, except as required by applicable law.

12. Governing Law

These Terms and Conditions are governed by the laws of India. Any disputes arising out of these terms shall be subject to the exclusive jurisdiction of courts in Gujarat, India.

13. Contact Information

For questions about these Terms and Conditions or our services, please contact us:

📧 Email: shreyx@contact.com

📱 Phone: +91 7499998358

💬 Chat: Use our AI chatbot for instant assistance

⏰ Business Hours: Monday–Saturday, 10 AM – 7 PM IST

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services constitutes acceptance of the revised terms.