Terms and Conditions

[Legal Note]: This Terms and Conditions/Terms of Service applies to following Loans:

1. Personal Loan

2. Vehicle Loan

3. Consumer Loan

4. Other Loans [viz. Gold Loan, Home Loan, Business Loan, Marriage Loan, Medical Loan]


These terms of use (hereinafter the "Terms") establish an agreement between Zep LOAN and you and shall govern your use of Zep Loan proprietary risk evaluation and measurement software system (“Zep Loan System”) and the services set out in these Terms (“Service”) rendered by Zep Loan.

Supplemental terms may apply to specific Services, for example, arrangements for a specific occasion, movement or advancement, and such supplemental terms will be uncovered to you regarding the appropriate Service(s). Supplemental terms are in addition to, and shall be deemed a part of, these Terms for the purposes of the applicable Service(s). Supplemental terms shall prevail over these Terms in the event of a conflict with respect to the applicable Services.

Zep Loan may, at its sole discretion, amend the Terms from time to time. Unless otherwise set out herein, amendments will be effective upon Zep Loan’s posting of such updated Terms at this location or the amended policies or supplemental terms on the applicable Service(s). Your continued access or use of the Services after such posting constitutes your consent to be bound by the Terms, as amended.

1. Eligibility

If You are an individual you must be at least 18 years old. If You are a non-individual you must be duly authorized (by such non-individual entity) to agree to these Terms.

2. Account Set Up

3. Service


Subject to your compliance with these Terms, Zep Loan grants You a limited, non-exclusive, revocable, non-transferable license in India to: (i) access and use the Zep Loan Systems through your PC Framework or other portable specialized gadget solely in connection with your use of the Services; and (ii) access and use any content, information and related materials that may be made available through the Services, in each case solely for your personal, non-commercial use. Any rights not expressly granted herein are reserved by Zep Loan and Zep Loan’s licensors.


You may not :

User Generated Content

You understand that all User Generated Content, to the extent permitted by the Zep Loan System, is the sole responsibility of the person from whom such User Generated Content originated. This means that you, and not Zep Loan is solely responsible for any User Generated Content you upload, download, post, email, transmit, store or otherwise make available through your Use of the Service. Zep Loan does not control the User Generated Content used in the Service, nor does it guarantee the accuracy, integrity or quality of such User Generated Content. You understand and agree that your Use of the Service and any User Generated Content is solely at your own risk.

*User Generated Content means any information that may be generated or encountered through your Use of the Service, such as data files, device characteristics, written text, software, music, graphics, photographs, images, sounds, videos, messages and any other like materials.

You shall not use the Services to upload, download, post, email, transmit, store or otherwise make available any User Generated Content that is unlawful, harassing, threatening, harmful, tortious, defamatory, libellous, abusive, violent, obscene, vulgar, pornographic, explicit, invasive of another’s privacy, hateful, racially or ethnically offensive, or otherwise objectionable.

You are responsible for backing up, to your own computer or other device, any important documents, images or other User Generated Content that you store or access via the Service. Zep Loan shall use reasonable skill and due care in providing the Service, but Zep Loan does not guarantee or warrant that any User Generated Content you may store or access through the Service will not be subject to inadvertent damage, corruption or loss.

4. Limited Warranty

5. Confidential Information

6. Limitation of Liability

7. Indemnity

You shall defend, indemnify and hold harmless Zep Loan, it’s officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, debts and costs (including reasonable attorneys’ fees), brought against Zep Loan by third parties alleging that

8. Privacy

You understand that by using the Service, you consent and agree to the collection and use of certain information about You and your Use of the Service in accordance with Zep Loan’ Privacy Policy and these Terms. Zep Loan’ Privacy Policy applies to all Your information collected under these Terms. You further understand and agree that this information may be transferred to the other countries for storage, processing and use by Zep Loan, its affiliates, and/or their service providers in in accordance with applicable law.

9. Assignment

You shall not assign this Agreement [without the prior written consent of Zep Loan].

10. Arbitration and Governing Law

Irrespective of Your international placement the Parties hereby agree that this Agreement shall be governed by and construed in accordance with the laws of India, without regard to its conflict of laws principles. Any and all disputes that arise under this Agreement shall be subject to the exclusive jurisdiction of the competent courts in Bengaluru, India.

11. Severability

If any of the terms, conditions or provisions contained in this Agreement are determined by any court of competent jurisdiction to be invalid, unlawful or unenforceable to any extent, such term, condition or provision shall to that extent be severed from the remaining terms, conditions and provisions which shall continue to be valid to the fullest extent permitted by law under the lawful circumstances.

12. Waiver

No waiver of any breach of any provision of this Agreement shall constitute a waiver of any prior, concurrent or subsequent breach of the same or any other provisions of this Agreement. Further, no waiver shall be effective unless made in writing and signed by an authorized signatory of the waiving party.

13. Force Majeure

Zep Loan will not be liable to the other for failure or delay in the performance of Services, if such delay or failure is caused by strike, riot, fire, flood, natural disaster, or other similar cause beyond its control.

14. Entire Agreement

These Terms along with any supplementary terms or appendage as may be prescribed by Zep/Zep Loan Partner constitute the entire agreement between the parties pertaining to the subject matter contained herein and any addition to this or any other written or oral agreements existing between the parties or modifications to these terms shall have no force or effect unless expressly agreed to in writing or acknowledged in writing by Zep.

Zep Loan is solving the fundamental problem of providing to the fingertips a quick, convenient and transparent access to credit in India.

Any modifications to these terms and conditions shall be updated on this page of Zep Loan with the date of update, you shall be required to visit the Terms and Conditions and acquaint yourself with the Terms and Conditions from time to time and Zep Loan shall not be liable to intimate you upon any update or modification of hereunder.

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