Terms and Conditions

Introduction

MAKSPay Fintech Solutions Private Limited, is a company incorporated under laws of India with its registered office is at # 101, La Palazzo A Apartments, Software Layout, Srinivas Hills, Madhapur, Hyderabad, TG 500083 IN (hereinafter referred to as “PehchanPe”, “Company”, “Us” or “We”). The Company is the owner of the mobile application and website ‘PehchanPe’ (hereinafter collectively referred to as the “Platform”).

As a user (“User”) of this Platform, the User understands that PehchanPe provides access to the Users to various financial products, including but not limited to, personal/consumer loans, credit cards, insurance etc., offered by the financial partners of PehchanPe with a view to facilitate lending and borrowing activities.

Terms Update Policy

PehchanPe reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms & Conditions without prior notice, and your continued access or use of the Mobile App/Mobile Site signifies your acceptance of the updated or modified Terms & Conditions.

1. General

Platform Overview

The Platform provides the Users access to various financial products offered by the financial partners of PehchanPe. PehchanPe is merely a facilitator providing the Platform to any person in need of financial products and does not directly provide any financial services to the Users.

Regulatory Status

  • PehchanPe is not an organization registered with the Reserve Bank of India
  • Does not hold any license to engage in lending or borrowing activities
  • Not a Financial Institution under the Companies Act, 2013 or the Banking Regulation Act, 1949
  • Not a deposit taking company or a chit fund

2. Eligibility

User Requirements

  • Must be a natural/legal person
  • Minimum age of 18 years
  • Legally allowed to enter into a contract in India

Account Termination

PehchanPe may terminate the User’s membership if:

  • User violates these Terms & Conditions
  • User is found to be under 18 years
  • User violates any agreement related to the Platform

3. Your Account

Account Management

  • Users must maintain account confidentiality
  • Responsible for all account activities
  • Must provide accurate information
  • Must update information when changed

Account Security

  • Maintain password security
  • Report unauthorized access
  • Ensure accurate details
  • Personal and non-transferable usage

4. Privacy

Data Collection and Usage

PehchanPe collects certain information from You in order to provide the Services. Our use of Your personal information is governed by the Privacy Policy located at Privacy Policy.

Information Sharing

  • Information shared with financial institutions
  • Multiple checks for best offers
  • Additional documents as required

5. License and Site Access

Usage Rights

  • Limited, revocable, personal license
  • Non-assignable access
  • No unauthorized downloads
  • No commercial use

Prohibited Activities

  • No unauthorized access
  • No modification or reverse engineering
  • No data mining or automated tools
  • No resale of platform access

6. Service Termination

PehchanPe reserves the right to terminate:

  • Services and platform access at any time
  • Without prior notice
  • Without liability to users

7. Limitation of Liability

Liability Exclusions

  • No indirect damages liability
  • No loss of revenue liability
  • No consequential damages
  • Maximum permitted legal waivers

8. Disclaimer

Service Disclaimers

  • “As is” and “as available” basis
  • No warranties on accuracy
  • No guarantees on financial products
  • No responsibility for third-party content

9. Indemnity

You agree to indemnify PehchanPe against:

  • Claims and demands
  • Losses and damages
  • Legal fees and expenses
  • Violation of terms
  • Intellectual property infringement

External Content

  • No responsibility for advertisements
  • No control over linked websites
  • No endorsement of third-party content
  • Independent verification required

11. Acknowledgements

Platform Role

  • Technology and analytical services only
  • No direct financial products
  • No loan granting activities
  • Facilitator between users and financial partners

Governing Laws

  • Governed by Indian laws
  • Courts of Hyderabad have exclusive jurisdiction

Grievances

Contact Information

Grievance Officer
Email: [email protected]