Introduction

• These Terms & Conditions (“Terms”) govern all lending-related services offered by Shri Annai Investments and Wealth Management India Private Limited (“Company,” “we,” “our,” or “us”), a government-authorized lending entity operating in Tamil Nadu. By availing our services, the client (“Customer,” “Member,” “you”) agrees to comply with these Terms.

Eligibility

To avail any lending service from our company, the Customer must :

• Be 18 years of age or above
• Provide valid ID and address proof
• Submit accurate KYC documents as mandated by RBI / State regulations
• Agree to all Scheme Terms before enrollment
• The Company reserves the right to approve or reject any application without providing a reason.

KYC & Verification

Shri Annai Investments and Wealth Management India Private Limited is a lending-focused company that facilitates:

• Credit support
• Fund-based financial assistance
• Asset-creationrelated lending programs
• Structured lending with transparent terms
• Secure handling of customer funds under defined conditions
• The Company does not operate as a chit fund scheme.

Lending Model & Service Structure

• Loan disbursement is subject to document verification and approval
• EMI Payments must be paid on time, delays may attract penalties
• Repeated EMI defaults may lead to legal action and affect credit worthiness
• The company policies and charges may be updated with notice
• All legal disputes are subject to jurisdiction as per company norms
• In case of the borrower’s demise during the loan tenure, the nominee provided at the time loan application shall be responsible for repaying the outstanding loan amount as per the agreed schedule, without any delay

Fund Maintenance & Payout Terms

In accordance with your existing model :

• Customer funds, once provided under a scheme, are maintained for a minimum of three months.
• Withdrawal or closure of funds must be requested at least three months in advance.
• Early withdrawal is not permitted unless specifically approved under exceptional cases.
• Payouts, interest, and benefits are subject to the scheme rules accepted by the customer at the time of joining.

Interest, Charges & Penalties

• Interest rates vary based on the scheme type, duration, and regulatory guidelines.
• Any applicable processing charges, late fees, or penalties will be clearly communicated before enrollment.
• All financial calculations will follow standardized company policy and compliance norms.

Customer Responsibilities

Customers must :

• Provide accurate and updated information at all times
• Submit withdrawal requests within the stipulated notice period
• Read and understand all scheme documents before joining
• Comply with company rules, payment schedules, and timelines
• Failure to follow these rules may result in delays or discontinuation of services.

Company Responsibilities

We commit to :

• Offering safe, transparent, and responsible lending services
• Maintaining customer funds according to defined timelines
• Ensuring confidentiality of customer data
• Protecting customer interests with ethical and compliant practices
• Providing professional support through our customer service team
• Our commitment aligns with your brand values: integrity, transparency, and growth-focused lending solutions.

Prohibited Activities

Customers shall not engage in:

• Submission of forged documents
• Misuse of company name, brand, or schemes
• Fraudulent financial activity
• Threats, abuse, or misconduct toward staff
• Using funds for unlawful purposes
• Such actions may result in suspension and legal action.

Data Privacy & Confidentiality

• The Company ensures strict confidentiality of customer information.
• Data may be shared only for regulatory, legal, or compliance purposes.
• The Company does not sell, rent, or disclose personal information to third parties for marketing.

Grievance Redressal

• Customers may contact our support team for queries, clarifications, and concerns through officially provided communication channels.
• We aim to resolve issues fairly, transparently, and within a reasonable timeframe.

Compliance With Law

All services are provided in adherence to :

• Tamil Nadu Government lending authorization
• State financial regulations
• Applicable RBI guidelines
• Mandatory KYC norms
• Consumer protection guidelines
• Customers must also comply with all relevant laws while availing our services.

Amendments to Terms

• The Company reserves the right to modify or update these Terms at any time based on regulatory requirements or operational improvements.
• Updated Terms will be published on the website, and continued use of services implies acceptance.

Limitation of Liability

The Company shall not be liable for:

• Losses due to customer negligence
• Incorrect information provided by the customer
• Delays caused by incomplete documents
• External events beyond control (technical issues, natural events, etc.)

Acceptance of Terms

• By enrolling in any scheme, providing documents, or using our services, the Customer acknowledges that they have read, understood, and agreed to these Terms & Conditions in full.