The terms "WE", "OUR" and "US" refer to SaveIN and the terms "YOU", "YOUR" "USER" or "CUSTOMER" refer to you, as a user of the SaveIN Website and/or App.

In case you are using the aforementioned service, you hereby confirm to register with us to avail a loan/credit from one or more lending partners using the services provided by SaveIN.

You hereby understand and acknowledge that the information requested from you is used for the various purposes as set out in our Privacy Policy, including for compliance with various laws, regulations and guidelines (including KYC norms/AML standards/CFT/Prevention of Money Laundering Act, 2002) promulgated by the Government of India from time to time.

You further acknowledge that if you do not provide the requested information to SaveIN, SaveIN or its partners will be unable to provide or continue their services to you.

You confirm that all information given to SaveIN (whether in SaveIN's online form or otherwise) is true, correct and not misleading. You agree to provide any additional documents to SaveIN or any of its partners as may be required from time to time.

You hereby understand that every time you wish to make a payment/avail loan/credit facility, using SaveIN, you will be provided with online loan terms and conditions. Upon accepting such terms during the course of your online loan application, you and your successors/heirs/executors will be bound by the terms of the loan in relation to the credit facility. You understand and agree that SaveIN may charge you an administrative fee or technology usage fee for facilitating the loan to be availed by you and you agree to pay the same.

You hereby understand that when you apply for a loan, SaveIN, on behalf of one or more lending partners, may check your records with its own records and any information available through its sources, including those at credit information companies (CICs) and fraud prevention agencies (FPAs), for assessing your credit worthiness, verifying identity to prevent and detect crime and money laundering.

You also agree that if you avail any loans through SaveIN, you will not (i) use the proceeds for any purpose other than as declared to SaveIN or our lending partners, (ii) use the Services in violation of applicable law, or (iii) circumvent or attempt to circumvent the provisions of any terms that apply to you or act in a manner that is fraudulent, malicious or otherwise prejudicial to SaveIN's interests.

Your lender also has the right, and obligation, to report your details to CICs in the event that you have delayed repaying your loan instalment.

You acknowledge that SaveIN does not lend any money directly to you but arranges the loan for you from one or more lending partners. The SaveIN Credit Limit & Loan Offer provided to you is our assessment of your eligibility based on various factors including policies of our lending partners. SaveIN can revise or cancel the credit limit & loan offer at any time.

You understand and acknowledge that SaveIN has partnered with shops, entities and institutions ("sellers"/"providers") across the country. SaveIN is not a provider or seller and is not responsible for the quality/completeness of such goods, products and services. Irrespective of the completeness or quality of such product/service, the credit facility/loan availed by you will remain your sole responsibility.

You acknowledge that you will be responsible to make timely repayments towards such credit facilities availed through SaveIN. All due repayments shall be made as per loan schedule, only digitally using e-payment methods like IMPS/NEFT/UPI/Debit Cards etc., through our partner payment gateway. SaveIN shall not facilitate repayments in cash or any other non-digital mode.

Before availing any loan or credit facility via the Platform, you will be shown the key terms of the proposed facility, including the lending partner’s name, loan amount, tenure, interest rate, fees, repayment schedule, and total repayment obligation. By entering the OTP sent to your registered mobile number and clicking to proceed, you provide your free, informed, specific and unequivocal digital consent to avail the loan/credit facility on such terms and to be bound by the applicable loan/facility agreement(s) and related documentation. The detailed “Digital Consent and OTP Authorisation” text displayed on the Platform at the time of each transaction forms an integral part of these Terms and is incorporated by reference.

The OTP is a confidential security credential personal to you. You must keep it secure and not share it with unauthorised persons. SaveIN does not authorise any of its personnel, or any merchant or third party, to request or receive your OTP. If you voluntarily share the OTP with any person (including a SaveIN or merchant representative) for the limited purpose of assisting you in completing your transaction, you do so at your own risk and remain bound by any OTP-authenticated transaction.

The loan/credit facility facilitated through the Platform is extended solely for the purpose of enabling your transaction with the specified merchant/service provider (“Merchant”). Any purchase of goods or services from a Merchant constitutes a separate contract between you and the Merchant. SaveIN and the lending partner are not parties to that contract. SaveIN does not manufacture, sell, supply or endorse any goods or services that you may purchase from a Merchant.

SaveIN and the lending partner bear no responsibility or liability — express or implied — in respect of the quality, quantity, fitness for purpose, delivery, non-delivery, defect, refund, return, or any other aspect of the goods or services provided by the Merchant. All such claims or disputes must be addressed solely to the Merchant and resolved in accordance with the Merchant’s policies and applicable law. SaveIN and the lending partner are not responsible for resolving such disputes, save that they may facilitate processing of any authorised refunds through designated channels where applicable.

Loan amounts sanctioned by a lending partner shall be disbursed in accordance with the terms of the loan/facility agreement executed between you and the lending partner. Where the loan is availed for a specific end use defined in the loan documentation — such as the purchase of goods or services from a Merchant on the Platform — the loan amount shall be disbursed directly to the Merchant or to a designated escrow / nodal account of the payment aggregator, consistent with the end-beneficiary disbursal mechanism permitted under the Reserve Bank of India (Digital Lending) Directions, 2025 (as may be amended from time to time).

Any cancellation of a Merchant transaction or request for a refund must be raised directly with the Merchant and will be processed in accordance with the Merchant’s policies. SaveIN and the lending partner are not obliged to cancel or reverse any disbursed loan unless and until they receive an authorised electronic instruction from the Merchant via SaveIN-designated channels confirming the cancellation/refund and its amount. No oral, manual, or off-system communication shall be binding on SaveIN or the lending partner.

Upon receipt of such authorised instruction, the lending partner may adjust the refunded amount towards your outstanding loan. If the refunded amount is less than the total amount due under the loan/facility agreement (including principal, interest, fees, and applicable taxes), any shortfall remains your sole liability and continues to be payable in accordance with your repayment schedule, notwithstanding any dispute with the Merchant.

You acknowledge that partial cancellation, pro-rata adjustment or waiver of your loan or credit facility on account of partial consumption or partial non-use of the Merchant’s goods or services (for example, where you discontinue using an annual subscription, membership or package mid-tenure) may not always be feasible, and shall be subject to the Merchant’s own cancellation policy and any specific arrangements between the Merchant, SaveIN and the lending partner. Any such partial cancellation, where applicable, shall be effected only upon authorised electronic instruction from the Merchant through SaveIN-designated channels.

You confirm that, before availing any loan or credit facility through the Platform for the purchase of goods or services from a Merchant, you have read, understood and accepted the Merchant’s applicable terms of sale, cancellation, refund and return policies, and that you are availing the loan with full knowledge of such policies. SaveIN and the lending partner shall not be responsible for any failure on your part to ascertain or comply with such Merchant-specific terms.

The Merchant acknowledges and agrees that, in accordance with the Reserve Bank of India's Guidelines on Digital Lending dated September 2, 2022 and the Reserve Bank of India (Digital Lending) Directions, 2025 (as may be amended, supplemented, or replaced from time to time), every Customer availing a Credit Facility through the Platform is entitled to a cooling-off / look-up period during which the Customer may exit the Credit Facility by repaying the principal amount and the proportionate Annual Percentage Rate (APR), without payment of any prepayment penalty. The Lender is obligated to abide by the Applicable Law in this regard, and the duration of such cooling-off period shall be as prescribed under the Applicable Law and the Lender's board-approved policy, and as disclosed to the Customer in the Key Fact Statement and loan documentation.

The Merchant agrees that where a Customer exercises such cooling-off right in respect of a Transaction financed through the Platform, and the Lender, in compliance with the Applicable Law, gives effect to the Customer's exit from the Credit Facility, the Merchant shall, upon receipt of intimation from SaveIN through the SaveIN-designated channels, promptly process the corresponding cancellation of the underlying Transaction and refund the Transaction Amount (or the applicable portion thereof) into the Escrow/Nodal Account of the Payment Aggregator(s) or towards the Lender. The Merchant shall not withhold, delay, or deny such refund on account of its own cancellation or return policy, and any failure to do so shall be at the Merchant's sole risk and cost.

For the avoidance of doubt, the Merchant acknowledges that the cooling-off right is a regulatory entitlement of the Customer that the Lender is bound to honour under the Applicable Law, and is independent of, and shall not be restricted by, the Merchant's own cancellation, return, or refund policies. SaveIN, acting solely as a facilitation platform, shall bear no liability in respect of the cooling-off right, and any liability arising from the Merchant's failure to honour a Customer's validly exercised cooling-off right shall rest solely with the Merchant.

By entering the One-Time Password (“OTP”) sent to your registered mobile number on the SaveIN Platform and clicking “Proceed” / “I Agree”, you expressly confirm and agree to all of the following declarations:

I have carefully read and understood the key terms of the proposed loan/credit facility displayed on the screen, including the name of the lending partner, sanctioned amount, tenure, interest rate, fees/charges, EMI schedule and total repayment obligation. I hereby provide my free, informed, specific and unequivocal consent to avail the loan/credit facility from the identified lending partner on such terms and to be bound by the applicable loan/facility agreement(s) and related documentation executed or accepted by me digitally (“Loan Documents”).

I understand that the loan/credit facility is being availed for the limited purpose of enabling my transaction with the specified merchant/service provider (“Merchant”) and that SaveIN Fintech Private Limited, operating under the brand “SaveIN” (“SaveIN”), is only providing a technology platform to facilitate such transaction and is not itself providing any goods or services to me.

I acknowledge that all goods and services are provided solely by the Merchant, under a separate contract between me and the Merchant. SaveIN and the lending partner are not responsible or liable for the quality, adequacy, fitness, merchantability, suitability, pricing, delivery, non-delivery, delay, deficiency, refunds, returns, exchanges or any other aspect of such goods or services, and any related dispute shall be solely between me and the Merchant.

I understand and agree that: (a) any complaint, return, exchange, cancellation or refund request relating to the Merchant’s goods/services shall not, by itself, affect, reduce or discharge my repayment obligations under the Loan Documents; (b) my loan/credit facility will be cancelled, reduced or adjusted only when the lending partner and/or SaveIN receive the Merchant’s authorised electronic cancellation/refund confirmation through the agreed SaveIN channels, and only to the extent of the amount so confirmed and actually received/adjusted; and (c) if the amount refunded/credited by the Merchant is less than the total amount outstanding under the Loan Documents (including principal, interest, fees and applicable taxes), I shall remain fully liable to the lending partner for any shortfall and shall continue to pay EMIs and other dues as per the Loan Documents, notwithstanding any dispute with the Merchant.

I acknowledge that the OTP is a security credential personal to me. I will not share my OTP or device access with any unauthorised person. I acknowledge that SaveIN does not authorise any of its personnel, or any Merchant or third party, to request or receive my OTP. If, in exceptional circumstances, I voluntarily share the OTP with any person (including a SaveIN or Merchant representative) for the limited purpose of assisting me in completing my transaction, I do so at my own risk and based on my express authorisation. I shall remain fully bound by any transaction or consent given using such OTP, and SaveIN and the lending partner shall be entitled to rely on such OTP-authenticated action as having been validly authorised by me.

I confirm that I have read and understood SaveIN’s Privacy and Data Security Policy and consent to the collection, use, processing, sharing and retention of my personal data by SaveIN, its lending partners, Merchants and service providers for onboarding, KYC, credit assessment, loan servicing, collections, fraud prevention, compliance with law, and other purposes described in such policy and the Loan Documents, subject to applicable law, including the Digital Personal Data Protection Act, 2023.

I authorise SaveIN, the lending partner and their authorised service providers to: (a) contact me via phone calls, SMS, WhatsApp, email, in-app notifications and other electronic means for onboarding, transaction updates, repayment reminders, collections, service notifications and legally permissible marketing; and (b) use the e-mandates, NACH/auto-debit instructions, UPI mandates and other digital payment instruments registered or authorised by me for debiting EMIs and other dues under the Loan Documents, as permitted by law and applicable network rules.

welUp is a first-of-its-kind, holistic employee wellness solution designed to meet the evolving healthcare needs of today's workforce, especially Gen Z and millennials. By providing access to a wide range of services — ranging from dermatology, cosmetic procedures, mental health support, fitness memberships, to fertility treatments — welUp offers employees the care they deserve at a fraction of the cost, while helping employers save up to 75% on healthcare expenses.

In case you are using this service, you hereby confirm to register with us to avail a welUp offering from one or more healthcare/wellness partners available on the SaveIN platform.

You acknowledge that all the services are provided by third-party Healthcare/Wellness Providers, and any issues, claims, or disputes arising from the Services must be addressed directly with those providers. However, SaveIN will act as intermediary to address any concerns by corresponding with healthcare providers for best possible resolution.

The Health Insights feature within welUp allows you to track your daily wellness activity. The following explains how we handle health and fitness data in connection with this feature.

With your permission via Apple Health (iOS) or Health Connect (Android), we read the following data solely to display it within the App:

Note: Sleep, heart rate, calories, and active minutes are used for display only and are not stored on our servers. On Android, if you grant background permissions, activity data may sync when the App is not open.

You may optionally enter your step goal, weight, height, age, gender, and activity level. This is used to personalise your health insights and calculations within Health Insights.

We store only the following on our servers, linked to your account:

We do not store raw heart rate, sleep sessions, calorie readings, or continuous health timelines from your device.

Health data is used solely to provide Health Insights features within the App.

You can:

Apple HealthKit: Data obtained from Apple HealthKit is not used for advertising, is not shared with data brokers, and is not used for any purpose other than providing Health Insights features to you.

Google Health Connect: Data obtained via Health Connect is governed by this Privacy Policy and Google's Health Connect Privacy Policy. You can manage permissions at any time via Android Settings > Health Connect.

SaveIN Services are subject to various charges and fees/service fee/subscription fee to cover the costs for administrative and other expenses. Each transaction request may be subject to service fees, registration fees and recurring fees, as specified ("Service Fees"). Please refer to the details of such Service Fees prior to making any transaction on SaveIN.

Applicable fees may be deducted from your transaction proceeds. If you link a bank account to your account, you authorize us to collect the Service Fees from your linked bank account or from funds received by you, subject to your prior due consent.

We reserve the right to change our Service Fees upon ten (10) days' advance notice. Your continued use of the Platform after notice of a change to our Service will constitute your agreement to such changes.

By registering with SAVEIN and using the App Services, you are representing the following:

You will not allow anyone else to use your account and in case of any fraudulent usage, SaveIN shall not be responsible for any lapse/loss whatsoever. You agree to comply with all applicable laws when using the Services, and you may only use the Services for lawful purposes.

You need to register with SaveIN to avail the Services offered by SaveIN. Accurate and complete registration is required to use our Services. You may be required to submit, including but not limited to, the following "Registration Data":

At all times, you are responsible for maintaining the confidentiality of your passwords and for any use of your account. You are mandatorily required to notify SaveIN immediately of any unauthorized use of your account or password, or any other breach in security.

When you use Services of SaveIN, you do so under a license granted from us. All right, title and interest in and to the Services and the underlying technology, together with all the intellectual property embodied therein are the sole property of SaveIN C/O, SaveIN Fintech Pvt. Ltd. We reserve all rights not expressly enumerated in these Terms of Use.

SaveIN respects the rights of others, and we persuade our users to do the same. SaveIN may, in appropriate circumstances and at its discretion, disable and/or terminate the access of users who may be repeat infringers.

You must not create and/or use a third-party application or other developed product that integrates, interferes or attempts to integrate or interfere with the Website and/or App and its allied platforms (including Services) provided by SaveIN.

You must not misuse the Website and/or App and its allied Platform by using "deep link", "page-scrape", "robot", "spider" or any other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy, circumvent, or monitor any portion of the Website and/or App and its allied Platform.

To set up a new mandate during the loan application process:

Currently, if you need to change the mandate amount, you must cancel the existing mandate and create a new one with the updated details.

To cancel, suspend, or revoke an existing mandate, visit your bank and raise a request to cancel your mandate.

To participate and win rewards and other offers as made available within the Website/App, you must agree to the offer/reward terms and conditions and satisfy the required criteria. SaveIN reserves the right, at its sole discretion, to disqualify any User who does not meet the offer requirements or in case of any misuse, fraud or suspicious transaction/activity. SaveIN also reserves the right to discontinue, annul or change any current or past offer or reward at any time, at its sole discretion.

In connection with your use of our websites, your SaveIN account, the SaveIN Services, or in the course of your interactions with us, other customers, or third parties, you must not:

We only use information you share with us as set forth in our Privacy Policy, and only in accordance with the applicable law.

SaveIN does not make any representations or warranties on or about the accuracy and durability of the third-party vendor services offered to you. SaveIN does not warrant, nor will be in any way responsible for information, software, data, privacy policies, related to or pertaining to third-party vendor content and services.

We have implemented reasonable technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes. You provide your personal information at your own risk.

You are responsible for safeguarding your password and for restricting access to the Services from your compatible mobile devices and computer(s). You will immediately notify us of any unauthorized use of your password or SaveIN Account or any other breach of security.

You acknowledge SaveIN as a fintech platform and is not a Lender, Creditor or Bank and does not loan money or make lending decisions. SaveIN makes no guarantees of the Borrower's ability to repay the loan.

As for our SaveIN Pay Later product, SaveIN operates in partnership with Non-Banking Financial Company (NBFC) partner/(s), to facilitate credit facility for its users, basis the underwriting policy of the partner NBFC(s).

You understand and acknowledge that SaveIN is neither a bank nor an NBFC. It is a technology company focused on building a fintech platform where users can voluntarily undertake financial transactions. You agree to not hold SaveIN responsible and/or liable for any issue or claim arising out of any dispute on account of third-party service providers of SaveIN like banks or payment gateways.

You consent to accept and receive communications from us, including e-mail, text messages, WhatsApp messages, calls, and push notifications to the cellular telephone number you provide to us when you sign-up for SaveIN Services. Such communications may include, but are not limited to requests for secondary authentication, receipts, reminders, notifications regarding updates to your account or account support, and marketing or promotional communications.

If you do not want to receive communications from us that are not relevant to you, please click on the unsubscribe link provided at the bottom of such e-mails or write to us. Please note that it may take about 10 days to process such requests. We will continue to notify you regarding your services with us even after you have opted out.

In our endeavour to effectively deliver the Services, we take your explicit consent to access your emails for the specific purpose of reading emails relevant to the Services, including bank statements, to access your records in connection with your loan application. It is clarified that the consent sought shall be used solely in connection with the loan application facilitated through us and such information shall not be shared with any third party, save and except an RBI registered financial institution.

You agree to use the Platform only for lawful purposes and not to interfere with its operation or security. You consent to receive communications from SaveIN, Lenders, Merchants and their service providers for onboarding, transactions, repayment reminders, collections, security alerts, service updates and, where permitted, marketing, as described in the Privacy Policy.

If you violate the Terms of Use or the Privacy Policy, your permission to use the Services ends and ceases immediately. We may place limits, modify or terminate your right to access and use the Services at any time. This suspension or termination may delete information, files, and other content previously available to you.

Your access to the SaveIN Services may also be terminated due to any requests by authorized law enforcement or other government agencies.

You expressly understand the use of the SaveIN Website and/or Application and its allied Platforms is at your own risk and discretion. Our Services to you are provided 'as is' and without any warranty or condition, expressed or implied. SaveIN and its subsidiaries, affiliates, officers, employees, or licensors make no warranty that:

You assume full responsibility and any risk of loss resulting from your accessing, downloading, and/or use of the files, information, content or any other material obtained from the Services.

You are responsible for any tax liability arising out of use of the SaveIN Services and any payment you receive through use of the SaveIN Website/App, including but not limited to the transactions completed, cash backs or any other rewards, and/or any kind of refunds received.

You acknowledge SaveIN is not a collection agency, financial advisor and does not provide tax services or tax advice. You should consult your tax advisor for any tax liability arising out of performing transactions on SaveIN, or your attorney for any legal advice.

Payments made through SaveIN may be invalidated and reversed by us if, among other reasons, we sent the payment to you in error, the funding transaction is declined or reversed, the payment was unauthorized or unfunded, or if the payment was for activities that violated this User Agreement or any other agreement with us.

You are responsible for providing us with accurate information relating to your bank account details for successful completion of the transactions. We will not be held liable for failure of any transaction if the details provided to us are incorrect or not updated. Any reversals in case of an unsuccessful transaction will be made in favour of the Lender in up to 3 working days from the date of failure as established by SaveIN.

You agree to indemnify and hold SaveIN and its subsidiaries, affiliates, officers, agents, employees, partners, and licensors harmless from any claim or demand, including but not limited to reasonable attorney's fees, made by any third party due to your use of the SaveIN Website and/or App and its allied Platforms, your connection to the Services, your violation of the Terms of Use, or any violation of any rights of another.

The Platform and all services are provided on an “as is” and “as available” basis, without warranties of any kind, except as required under applicable law.

To the maximum extent permitted by law, SaveIN’s aggregate liability to you in respect of any claim arising out of or in connection with the Platform, a Transaction and these Terms shall not exceed the amount of the underlying Transaction giving rise to such claim. SaveIN shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or goodwill.

You hereby acknowledge, understand and consent to the terms contained in SaveIN's Privacy Policy (www.savein.money/privacy-policy/), which you have duly read and fully understood. You acknowledge, agree and give consent to SaveIN that SaveIN and its officers, employees, service providers and agents may use, store, process, disclose, transfer and/or exchange your information (including personal data) in accordance with our Privacy Policy.

You hereby authorise and permit SaveIN to disclose, from time to time, any information on or relating to you to any of its subsidiaries or affiliates or to any governmental authority, statutory authority, judicial authority or credit bureaus, associated partners, lenders, or third parties without requirement for any further consent from you.

Your use of the Platform is subject to SaveIN’s Privacy and Data Security Policy, which explains how we collect, use, share and protect your data. By using the Platform, you acknowledge that you have read and understood the Policy and consent to its terms, subject to your rights under applicable law (including the Digital Personal Data Protection Act, 2023).

SaveIN reserves the right at all times to modify, discontinue, temporarily or permanently, the SaveIN Services. You agree that SaveIN shall not be liable to you or any third party for any modification, suspension or discontinuation of the SaveIN Service.

The laws of India, without regard to its conflict of laws rules, will govern these Terms. In case of any legal action, courts located in Delhi, India will have jurisdiction over such matters. In any proceedings initiated by or against us, SaveIN will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and attorney fees.

If any provision or provisions of these Terms shall be held to be invalid, illegal, or unenforceable, the validity, legality and enforceability of the remaining provisions shall remain in full force and effect.

To the maximum extent permitted by applicable law, SaveIN and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable for any indirect, incidental, special, consequential punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Website and/or App and its allied Platforms; (ii) any act and/or conduct and/or content and/or omission of any third-party on the services; (iii) any content from the Website and/or App and its allied Platforms; or (iv) unauthorised access, use or alteration of your transmissions or content.

Notwithstanding anything else contained in these Terms of Use, we shall not be held liable in any manner hereunder as a result of an event of Force Majeure. "Force Majeure" means and includes wars, insurrections, revolutions, fires, floods, epidemic, pandemic, quarantine restrictions, freight embargoes, declared general strikes in relevant sectors, natural disasters or such other acts or events which are beyond our reasonable control.

All provisions of these Terms of Use which by their nature should survive termination will survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

We may from time to time change and implement the Terms of Use. We may assign or transfer our agreement with you including our associated rights and obligations at any time and you agree to cooperate with us in connection with such an assignment or transfer.

We recommend that you periodically check this page for any revised terms. However, your continued use of any services beyond a period of 10 days from the date of publication will be deemed to constitute your acceptance of all such revised terms. We do not accept any liability based on your ignorance or negligence to keep yourself updated regarding the revised terms and conditions.

Your compliance with these Terms of Use grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the SaveIN Website and/or App and its allied Platforms (including Services).