Terms of Service

1. Overview of the Service

Pokket Loan is a mobile application made available by Pokket Finserv Private Limited for the purpose of enabling users to digitally submit loan-related requests and track the status of financial products offered by regulated lending institutions.

By accessing or using Pokket Loan, you acknowledge that your interaction with the application is governed by these Terms of Service. If you do not agree with any part of these Terms, you should discontinue use of the app.

Pokket Finserv may revise these Terms when necessary to reflect regulatory, operational, or technical changes. Updated Terms will become effective upon publication within the application.

2. Nature of the Platform

Pokket Loan functions as a digital application layer that allows users to:

• Submit loan inquiries and applications
• Upload required documentation
• Receive status updates related to loan processing

Pokket Finserv Private Limited does not provide loans, determine credit eligibility, set interest rates, or handle disbursement or repayment of funds.

All credit-related decisions, including approval, pricing, tenure, and disbursement, are independently carried out by Salora Capital Ltd., a Non-Banking Financial Company (NBFC) registered under applicable Indian laws.

3. User Eligibility and Responsibilities

By using Pokket Loan, you confirm that:

• You are legally capable of entering into binding agreements
• The information you provide is accurate, current, and complete
• You will use the application only for lawful and personal purposes

You are responsible for safeguarding your login credentials and for all activities conducted through your account. Any suspected unauthorized access should be reported promptly.

4. Account Creation and Information Submission

Certain features of Pokket Loan require you to create an account and submit personal or financial details, which may include:

• Identification and contact information
• Employment or income-related details
• Banking or repayment-related data

Submission of false, misleading, or incomplete information may result in restricted access or termination of your use of the service.

5. Relationship with the Lending Institution

Any loan agreement entered into through interactions facilitated by Pokket Loan is solely between you and the lending institution.

Pokket Finserv is not a party to such agreements and does not guarantee:

• Loan approval
• Specific interest rates or repayment terms
• Disbursement timelines

Users are advised to carefully review all loan documents issued by the lender before acceptance.

6. Use of Data and Reference to Privacy Policy

Information collected through the use of Pokket Loan is processed for purposes related to:

• Application verification
• Fraud prevention
• Regulatory compliance
• Service operation and improvement

Details regarding data collection, permissions, and user rights are outlined separately in the Pokket Loan Privacy Policy, which forms an integral part of your use of the application.

7. Service Availability

Pokket Finserv endeavors to maintain uninterrupted access to Pokket Loan. However, availability may be affected by maintenance activities, system upgrades, network issues, or circumstances beyond reasonable control.

Temporary suspension of access does not constitute a breach of these Terms.

8. Acceptable Use

Users must not:

• Misuse the application for fraudulent or deceptive purposes
• Attempt to interfere with system security or integrity
• Access the service in violation of applicable laws

Violation of these conditions may lead to suspension or permanent restriction of access.

9. Limitation of Liability

To the extent permitted by law, Pokket Finserv Private Limited shall not be liable for:

• Losses arising from lending decisions made by third-party institutions
• Delays, service interruptions, or technical errors
• Indirect, incidental, or consequential damages

Nothing in these Terms limits liability where such limitation is prohibited under applicable law.

10. Account Suspension and Termination

Access to Pokket Loan may be suspended or terminated if:

• These Terms are breached
• Misuse or abnormal activity is detected
• Continued access poses operational or legal risks

Termination may occur with or without prior notice, depending on circumstances.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising in connection with Pokket Loan shall be subject to the jurisdiction of competent courts in India.

12. Contact Information

Pokket Finserv Private Limited (Facilitator)

Salora Capital Ltd. (Lender) Contact Details: