For the purpose of these Terms & Conditions:

• Company / We / Our / Us: Refers to Digner Fin-lease and Investment Private Limited, operating under the brand name Rupee In Hand.
• Website: Refers to www.rupeeinhand.com.
• User / You: Means any individual accessing or using our digital lending platform.
• Services: Include our online financial solutions such as Personal Loans, Short-Term Loans, Emergency Loans, Travel Loans, Shopping Loans, and Home Renovation Loans.
• Loan Application: Refers to the digital application submitted by the user.
• Lender: Refers to the financial institution responsible for loan approval and disbursement.

Rupee In Hand provides a secure platform where eligible users can apply for personal loans, short-term loans, and other financial solutions through a completely digital process. Our services are designed to simplify the loan application experience with online verification, minimal documentation, and transparent communication.

Submission of an application does not guarantee loan approval, as every application is evaluated according to the lender's eligibility criteria, verification process, and applicable regulations.

Subject to these Terms & Conditions, Rupee In Hand grants you a limited, non-exclusive, and non-transferable license to access and use the website for lawful personal purposes.

This license does not permit copying, reproducing, modifying, distributing, or commercially exploiting any part of the website without prior written consent from the Company.

Users agree to use the website responsibly and in accordance with applicable laws. You must not:

• Misuse the platform or submit false, inaccurate, or deceptive information.
• Interfere with website functionality or upload malicious software/viruses.
• Impersonate another individual or entity.
• Use the platform for any fraudulent or unlawful activities.

Website Content

The information available on the Rupee In Hand website is provided for general informational purposes only. While we strive to ensure content accuracy, we do not guarantee its completeness or suitability for every individual. Loan products, eligibility criteria, repayment terms, and charges may change without prior notice.

Intellectual Property Rights

All content, including text, graphics, logos, icons, images, software, trademarks, designs, and materials, is the exclusive property of Digner Fin-lease and Investment Private Limited unless otherwise stated. Unauthorized reproduction or commercial use is strictly prohibited.

Disclaimer of Warranties

The website and services are provided on an "as is" and "as available" basis. We do not guarantee uninterrupted, secure, or error-free service. Users access and use the platform at their own discretion and risk.

Indemnity

You agree to indemnify and hold harmless Digner Fin-lease and Investment Private Limited, its directors, employees, and affiliates against any claims, losses, damages, or costs arising from your misuse of the platform or violation of these Terms.

Limitation of Liability

Rupee In Hand shall not be liable for any direct, indirect, incidental, or consequential damages resulting from platform use, loan processing delays, technical issues, or unauthorized access.

Force Majeure

We shall not be responsible for failures or delays caused by events beyond reasonable control, including natural disasters, pandemics, government actions, cyberattacks, or network outages.

Privacy Policy

Your personal information is collected, processed, and protected according to our Privacy Policy. Information collected during loan application is used solely for verification, loan processing, customer support, regulatory compliance, and service improvement.

Governing Law & Jurisdiction

These Terms & Conditions are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the competent courts located in New Delhi, Delhi.