Terms & Conditions

1. About Pay2Money & Nature of Service

These Terms & Conditions govern your access to and use of the website operated by PM Finance Services Pvt Ltd (brand name "Pay2Money", "we", "us", or "our").

Pay2Money operates as a digital loan facilitation, discovery, and advisory platform. Our goal is to simplify borrowing in India by connecting consumers and small businesses with scheduled commercial banks and RBI-registered NBFCs. We help you explore options, calculate EMIs, understand documentation requirements, and submit inquiries to lenders.

2. Explicit Non-Lender Status Disclaimer

All loan approvals, sanction letters, interest rates, tenures, processing fees, and disbursements are executed solely by our partner scheduled commercial banks and RBI-registered NBFCs according to their internal credit criteria.

3. 100% Free Service for Borrowers

Pay2Money provides all discovery, calculator tools, and loan facilitation support completely free of cost to borrowers:

4. User Eligibility & Accurate Information

By using our platform or submitting an inquiry, you affirm that:

• You are an Indian citizen or permanent resident residing in India.
• You are at least 18 years of age and legally competent to enter into contracts.
• All details you submit (such as name, mobile number, employment type, and income) are authentic, accurate, and yours.
• You will not submit forged, falsified, or manipulated KYC documents to our team or partner lenders.

5. Partner Underwriting & Approval Autonomy

Submitting an inquiry on Pay2Money or using our EMI calculator does not guarantee a loan offer or approval.

Each partner bank and NBFC retains sole and independent discretion to accept or reject any application based on their internal underwriting standards, credit risk models, income verification, and CIBIL score checks. Pay2Money has no power to overturn or influence a partner bank's credit decision.

6. Direct Disbursals & Loan Repayments

Pay2Money never handles your loan funds:

• Direct Disbursal: All sanctioned loan funds are transferred directly from the partner bank or NBFC account into your verified bank account.
• Direct Repayments: All monthly EMI payments, interest, and pre-closures are made directly to the lending institution via NACH e-mandate or official bank portals. Pay2Money never collects loan repayments.

7. Prohibited Platform Usage

When using Pay2Money, you agree not to:

• Use automated bots, web scrapers, or crawlers to extract content or data from our website.
• Submit fake, fraudulent, or abusive inquiries through our contact forms or phone lines.
• Impersonate any other individual or submit inquiries using contact numbers that do not belong to you.
• Introduce malicious code, viruses, or disruptive scripts to our digital infrastructure.

8. Limitation of Liability

Pay2Money acts in good faith to connect borrowers with reputable lenders. To the fullest extent permitted by Indian law, PM Finance Services Pvt Ltd, its directors, and team members shall not be held liable for:

• Any loan rejection, delay in sanction, or terms offered by a partner bank or NBFC.
• Any disputes, contractual breaches, or repayment collection practices between you and the lending institution.
• Temporary website downtime due to scheduled maintenance or telecommunication network outages.

9. Governing Law & Jurisdiction

These Terms & Conditions and any matters arising out of your use of our platform shall be governed by and construed in accordance with the laws of India.

Any legal claims or disputes relating to these Terms shall be subject to the exclusive jurisdiction of the competent courts in New Delhi, India.

10. Support & Direct Contact

If you have questions about these Terms & Conditions or need assistance with your loan inquiry, please reach out to us: