These Terms and Conditions (“Terms”) govern your access to and use of all services, platforms, tools, and financial products offered by AKG Financial Services Pvt. Ltd. (“AKG”), an RBI-registered Non-Banking Financial Company (NBFC). By using our website, mobile application, engaging with us through a Lending Service Provider (LSP), or applying for a loan directly with us, you agree to be bound by these Terms. If you do not accept these terms in full, we request you refrain from using our services.
AKG offers financial products including but not limited to: green energy financing, loans to individuals and MSMEs, co-lending and embedded finance arrangements through Lending Service Providers (LSPs), equipment financing, working capital solutions, and custom credit models tailored for sectors aligned with environmental sustainability. The availability of each product is subject to risk assessment, internal credit underwriting, and regulatory compliance.
In order to avail our services, you must be at least 18 years of age, a resident of India, and legally capable of entering into contracts. You will be required to provide valid KYC documents, income proofs, and/or business-related information as part of our due diligence process. Providing false or misleading information, or withholding essential information during any stage of engagement, shall be grounds for termination of service, and may trigger legal consequences including reporting to law enforcement or credit bureaus.
Submitting a loan application through any of our channels does not automatically imply approval. Our credit decision is based on a thorough evaluation of your profile using internal risk models, your financial and repayment behavior, credit bureau scores, and other data points. Once a loan is approved and disbursed, you will be contractually obligated to repay in accordance with the terms mentioned in your Loan Agreement. These include repayment timelines, interest rates, processing fees, applicable penalties, foreclosure charges (if any), and default clauses. All such terms will be presented transparently prior to disbursal.
You agree to use our services only for lawful purposes and in a responsible manner. You shall not misuse or exploit any aspect of our digital infrastructure, engage in fraudulent activities, or facilitate money laundering or any other illegal activity. You also agree not to tamper with or gain unauthorized access to our systems, databases, APIs, or third-party service channels.
AKG owns full intellectual property rights over its digital platforms, tools, credit models, branding, logos, and all associated content. Unauthorized use or duplication is prohibited. Users are granted limited, revocable, and non-transferable rights to access our digital platforms solely for the purpose of availing our services. We reserve the right to restrict or terminate your access if we detect misuse, breach of these terms, or failure to adhere to regulatory guidelines.
While we take every effort to ensure the continuity, accuracy, and performance of our digital services, we do not guarantee uninterrupted or error-free operation. Downtimes may occur due to maintenance, technical issues, or external factors beyond our control. AKG shall not be liable for any financial loss, inconvenience, or damage suffered by users on account of service unavailability, loan rejection, technical errors, or delays caused due to third-party integrations such as credit bureaus, payment gateways, or LSP platforms.
Users acknowledge and agree that any loss, liability, or legal action arising out of misuse of services or non-repayment of dues shall solely be their responsibility. AKG reserves the right to initiate recovery, legal proceedings, or credit reporting in case of non-compliance, as allowed under the Indian Contract Act, RBI Master Directions for NBFCs, and other applicable laws.
These Terms are subject to change at the sole discretion of AKG, without prior notice. Updated versions will be posted on our website with a revised “Effective Date.” Your continued use of our services after such updates constitutes acceptance of the revised Terms. These Terms shall be governed by and interpreted in accordance with the laws of India, and any disputes shall be subject to the exclusive jurisdiction of the courts in Pune, Maharashtra, India.