VIZZVE MICROSEVA FOUNDATION
(A Section 8 Company incorporated under the Companies Act, 2013)

OVERVIEW

This document is an electronic record under the Information Technology Act, 2000 and rules made thereunder, as amended from time to time.
This electronic record is generated by a computer system and does not require any physical or digital signature.

These Terms and Conditions (“Terms”) govern access to and use of the website, mobile application, KYC application, and all services provided by VIZZVE MICROSEVA FOUNDATION (“VIZZVE”, “we”, “us”, “our”).

By accessing, registering, applying, or using any VIZZVE platform or service, you (“Borrower”, “User”, “You”) agree to be bound by these Terms, the Privacy Policy, and all related policies.

If you do not agree, you must not use VIZZVE’s services.

By clicking the “Submit / Agree” button and entering the One-Time Password (“OTP”) sent by VIZZVE, I expressly acknowledge and confirm that:

a) I am 18 years of age or above and legally competent to enter into a binding contract
b) I can read, understand, and write in the English language
c) I have read, understood, and accepted these Terms, the Privacy Policy, and all related policies
d) OTP-based acceptance constitutes a valid electronic signature under the Information Technology Act, 2000
e) This acceptance creates a valid, binding, and enforceable agreement between me and VIZZVE

I confirm that my loan application is made voluntarily, without force, inducement, misrepresentation, or coercion, and that I have freely selected my repayment frequency (daily / weekly / bi-weekly / monthly) as per my application.

I declare that all information, documents, data, and declarations provided by me are true, correct, complete, and up to date.

Any false, misleading, incomplete, or concealed information may result in rejection, cancellation, recall of loan, reporting to credit bureaus, and initiation of legal action.

I confirm that:

a) No insolvency, bankruptcy, or liquidation proceedings are pending against me
b) I have never been adjudicated insolvent by any court or authority

I acknowledge that VIZZVE has the sole and absolute discretion to approve or reject my loan application without assigning any reason, and such rejection shall not give rise to any claim, demand, or liability against VIZZVE.

I irrevocably authorise VIZZVE to:

a) Conduct CIBIL, PAN, employment, banking, device, and credit checks
b) Share information with banks, NBFCs, credit bureaus, service providers, telecom operators, statutory authorities, regulators, and law-enforcement agencies where required
c) Use my data for verification, underwriting, compliance, servicing, recovery, analytics, audit, risk management, and lawful marketing

Such sharing shall be deemed lawful, necessary, proportionate, and consented.

I expressly consent to being contacted by VIZZVE, its employees, authorised agents, affiliates, and service providers through calls, SMS, WhatsApp, IVR, emails, or other lawful modes, even if my number is registered under Do Not Disturb (DND).

8.1 Absolute Repayment Responsibility
Repayment of the loan, including principal, interest, fees, penalties, charges, and costs, is my sole, unconditional, and personal responsibility.

8.2 Non-Response & Fraud Risk
Delay, default, non-response, unreachable status, or intentional avoidance materially increases credit and fraud risk and may trigger lawful recovery, credit reporting, and enforcement actions.

8.3 Permitted Contacts
VIZZVE shall contact only borrower-provided or borrower-authorised contacts for repayment follow-up, verification, reachability confirmation, or fraud prevention.

8.4 Borrower Misconduct
Deliberate evasion, blocking communication, refusal to engage, or false information constitutes misconduct and may justify escalation and legal enforcement.

8.5 No Illegal Conduct
VIZZVE does not authorise threats, abuse, intimidation, coercion, or unlawful conduct. Lawful recovery communication shall not be construed as harassment.

8.6 Irrevocability & Survival
This section is a material condition of loan approval and survives repayment, closure, termination, or dispute.

I shall promptly update VIZZVE regarding any change in my contact details, employment, business, or financial status.

To the maximum extent permitted by law:

a) VIZZVE shall not be liable for indirect, incidental, or consequential losses
b) Total liability, if any, shall not exceed the actual service fee paid

VIZZVE shall not be liable for delays or failures caused by events beyond its reasonable control, including system outages, payment gateway failures, network issues, regulatory actions, or force majeure events.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Any delay or failure by VIZZVE to exercise any right shall not constitute a waiver.

These Terms shall be governed by the laws of India.
Exclusive jurisdiction: Courts of Bengaluru, Karnataka.

Grievance Officer: Jagan M
Email: grievance@vizzve.com
Contact: +91 866-0810339
Timings: Monday to Friday, 10:30 AM – 6:00 PM (excluding public holidays)