Terms And Conditions



"Application or App." or “Website” shall mean ClickMyLoan the mobile application/website created, developed and designed by the Company for providing the Services.

"Company" or "we" shall mean F MEC International Financial Services Ltd, a company incorporated under the Companies Act, 2013 having its registered office at Office no. 908, Mercantile House, Kasturba Gandhi Marg, Delhi 110001
Any individual who accesses, downloads, uses, or displays the Platform and Services is referred to as a "Customer(s)" or "you" or "End-User."
"Loan" refers to the loan that you may apply for on the Platform and that LENDER approves and grants, subject to the Loan Agreement's terms and conditions.
"Loan Agreement" refers to the loan agreement between LENDER and the Customer(s) for the purpose of issuing the Loan, whether in physical or electronic form, as applicable from time to time.
"Online Stores" refers to the Windows Store, Android Google Play, iOS App Store, and any other online store or gateway where the Company makes the App available to End-Users on a regular basis.
"Outstanding Amount(s)"(s) refers to the Loan, interest, and charges due and payable by you to LENDER on the respective due date.
"Platform" refers to both the App and the Website as a whole.
"Services" refers to LENDER's services of issuing, approving, and financing emergency loans via the Platform.
Social networking sites such as Facebook, LinkedIn, and other similar platforms are referred to as "Third Party Platforms."
Any data, information, documents, or materials supplied to the Company prior to or during the use of the Services are referred to as "User Data."
"Website" shall mean www.ClickMyLoan.com, managed and operated by the Company for the provision of Services.


You'll apply for the Loan through the Services, provided you meet the qualifying requirements outlined in the Mobile App. You acknowledge that LENDER has appointed the corporation to collect, authenticate, track your location, verify, and ensure the User Data, papers, and data that LENDER may demand in order to approve the Loan. LENDER enables the business to collect and retain User Data through the Platform's mobile form ("Mobile Application Form"). You must register with the company by logging in through your Third Party Platforms in order to use the services ("User Account"). You will be needed to share and upload User Data on the Mobile form during the application process. User Data shall include personal information including but not limited to your name, e-mail address, gender, date of birth, mobile number, passwords, photograph, mobile information including contact numbers, SMS and browsing history, data and login-in credentials of Third Party Platforms, financial information like bank documents, salary slips, bank statements, PAN card, checking account no., data from Credit Information Companies, data needed to comply with Know Your Customer regulations, as well as other pertinent information ("Personal Information"). You agree that the private Information shall always be accurate, correct and complete. As a part of the Services, you authorize us to import your details and private Information dispersed over Third Party Platforms. You understand and acknowledge that we may periodically request for updates on such Personal Information and that we may receive such updated information from Third Party Platforms.

All transactions undertaken on your behalf by the corporate are going to be on the idea of your express instructions/consent and can be strictly on a non-discretionary basis. You also authorize the corporate to urge your credit information report from one or more Credit Information Companies as decided by the corporate from time to time. Once you verify and upload the User Data and/or other documents and details within the Mobile form, the corporate shall process an equivalent. Upon the completion of the document verification by the corporate, the Loan could also be sanctioned by LENDER to you, subject to fitting eligibility criteria and other conditions set forth by LENDER for sanctioning the Loan. Thereafter, you're required to fill and upload the ECS/NACH mandate form/Cheque or the other document as could also be required by LENDER. The Company has the right to gather tangible documents, including signatures on such papers, that are essential for the Loan to be sanctioned and processed. Upon the gathering of documents by the corporate, LENDER shall disburse the Loan subject to the terms and conditions of the Loan Agreement.

The sanctioned Loan shall be disbursed as per the mode provided within the Mobile form. You are required to repay the Outstanding Amount(s) to LENDER, on the respective due date(s) mentioned within the Mobile form.

You understand and acknowledge that the corporate reserves the proper to trace your location ("Track") during the supply of Services, and also within the event that you simply stop, cease, halt using or availing of the Services, whether by deleting or uninstalling the Mobile App or otherwise, until your obligations to pay the Outstanding Amount(s) to LENDER have been met. Our Services' deletion, uninstallation, or termination do not relieve you of your responsibility, obligation, or liability to repay the Outstanding Amount (s).

You understand and acknowledge that you simply shall be solely liable for all the activities that occur under your User Account while availing the Services. You undertake that the corporate shall not be responsible and responsible for any claims, damages, disputes arising out of use or misuse of the Services. By usage of the Services, you shall be solely liable for maintaining the confidentiality of the User Account and for all other related activities under your User Account. The Company reserves the proper to simply accept or reject your registration for the Services without obligation of explanation.

You understand and acknowledge that, you're solely liable for the potential of the electronic devices and therefore the internet connection, you chose to run the Platform. The Platform’s operation or the Services on your device is subject to availability of hardware, software specifications, internet connection and other features and specifications, required from time to time.

The User Data provided during the registration is stored by the corporate for your convenience. You are not required to log-in to your User Account, whenever, to use or access the Platform. By accepting these Terms, you permit us to track, retrieve, and utilize User Data, including but not limited to your Personal Information, for the purposes of authentication and any modifications to your credentials.


License to use the App: In order to use the Services, you're required to download and install the App. For this reason, you represent and warrant that you are of legal age in accordance with the laws that apply to you, and that you are capable of understanding, entering into, and complying with these Terms. You have a limited, non-exclusive, non-transferable, non-sub licensable, and revocable permission to download, install, and use the App granted by the Company. The App is licensed to you rather than sold to you, and you may only use it in accordance with these Terms.
Scope of License: You may install, download, access or use the App through the web Stores on/from mobile phones, tablets or the other electronic devices.
Maintenance and Support: You understand that, while the Company may, in its sole discretion, offer maintenance and support for the App from time to time, the Company is under no obligation to do so.
Updates/Upgrades: We may release new updates/upgrades for the App; you will be notified via the online Stores. If you choose not to update or upgrade the App, you will be unable to access some features or functions.


You agree not to:
to commit fraud, embezzlement, concealment, or any other illicit and/or illegal purpose; to reproduce, duplicate, copy, sell, resell, or exploit any component of the App;
upload, post, email, transmit or otherwise make available any content that's unlawful, harmful, threatening, abusive, harassing, torturous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable through the Platform;
utilize the Platform with the purpose of causing harm or injury to a third party; impersonate any person or entity, on the Platform;
forge headers or otherwise manipulate identifiers so as to disguise the origin of any content transmitted through the App;
upload, post, email, transmit or otherwise make available any content that you simply don't have a right to form available under any law or under contractual or fiduciary relationships (such as details, proprietary and tip learned or disclosed as a part of employment relationships or under nondisclosure agreements);
upload, post, email, transmit or otherwise make available on the Platform, any content that infringes any patent, trademark, secret, copyright or other proprietary rights of any party;
Any unsolicited or illegal advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or other type of solicitation may be uploaded, posted, emailed, transmitted, or otherwise made accessible on the Platform;
Any content that contains software viruses or other code, files, or programs intended to disrupt, damage, or restrict the operation of any computer software or hardware or telecommunications equipment may be uploaded, posted, emailed, transmitted, or otherwise made accessible on the Platform;
disrupt the traditional flow of or otherwise act during a manner that negatively affects other user’s ability to interact in real time exchanges;
Interfere with or disrupt the Platform, servers, or networks linked to the Platform, or disobey any network requirements, procedures, rules, or regulations; deliberately or unintentionally violate any relevant local, state, national, or international laws and regulations having legal effect.


You acknowledge that the corporate makes no representations or warranties about the fabric, data, and knowledge, like data files, text, facts and figures, computer software, code, audio files or other sounds, photographs, videos, or other images (collectively, the "Content") which you'll have access to as a part of the Services, or through your use of the Platform. Under no circumstances, shall the corporate be liable in any way for any Content, including, but not limited to any infringing Content, any errors or omissions in Content, or for any loss or damage of any kind incurred as a results of the utilization of any Content posted, transmitted, linked from, or otherwise accessible through or made available via the Platform. The Content on the Platform shouldn't be considered a suggestion, solicitation, invitation, advice or recommendation to shop for or sell investments, securities or the other instrument or financial products / schemes of the corporate (including its affiliates), unless expressly covered in these Terms.


You understand, acknowledge and agree that the corporate is that the sole owner of all rights, title and interest, including any and every one property rights within the Content, Platform, Services, logos, trade names, brand names, designs and any necessary software utilized in reference to the Platform. There could also be proprietary logos, service marks and trademarks found on the Platform whether owned/used by the corporate or otherwise. By displaying them on the Platform, the corporate isn't granting you any license to utilize the proprietary logos, service marks, or trademarks. Any unauthorized use of an equivalent may violate applicable property laws. You understand and acknowledge that the Platform is owned by the corporate. Nothing under these Terms shall be deemed to be a transfer in ownership, rights, title, from the corporate to you or any third party, within the Platform. During the validity of your registration with the Company, you are entitled to use the Company's services. LINKS TO THIRD PARTY SITES: The Platform may contain links to other websites owned and operated by third parties who aren't associated with the Platform ("Linked Websites"). The Linked Websites aren't under the control of the corporate and therefore the Company shall not be liable for the content of any Linked Websites or any hyperlink contained in a Linked Website and makes no representation or warranty with reference to the content of any such third party sites. The Platform provides these links to you as a convenience only and therefore the inclusion of any link doesn't imply any endorsement of the Linked Website by the corporate. It is totally at your own responsibility to access or use such a Linked Website. The Company shall not be a celebration to any transaction between you and therefore the Linked Website. Your use of a Linked Website is subject to those terms and conditions of that respective Linked Website. The Platform can also contain third party advertisements, if any. The display of such advertisements doesn't in any way imply an endorsement or recommendation by/of the relevant advertiser, its products or services. You shall independently ask the relevant advertiser for all information regarding the advertisement and its products and/or services. The Company accepts no responsibility for any interaction between you and therefore the relevant third party and is released from any liability arising out of or in any way connected with such interaction.


Chat rooms, blogs, comments, reviews, and other services ("Ancillary Services") may be provided from time to time on the Platform and should be controlled by us or on our behalf by a third party. You shall not (and shall not allow any third party to) use these Ancillary Services to engage in any illegal or immoral activities (including, without limitation, defaming, abusing, harassing, stalking, threatening, promoting racism, or otherwise infringing on others' legal rights, such as privacy rights) or immoral activities (including, without limitation, falsely stating or otherwise misrepresenting your affiliation with an individual or entity). Additionally, the Platform may contain advice/opinions and statements of varied professionals/ experts/ analysts, etc. the corporate doesn't endorse the accuracy, reliability of any such advices/opinions/ and statements. you'll believe these, at your sole risk and price. You shall be liable for independently verifying and evaluating the accuracy, completeness, reliability and usefulness of any opinions, services, statements or other information provided on the Platform. All information or data supplied on the Platform should not be construed as legal, accounting, tax, financial, investment, or other professional advice, or as advise on specific facts or issues. the corporate may, at its discretion, update, edit, alter and/or remove any information in whole or partially which will be available on the Platform and shall not be responsible or responsible for any subsequent action or claim, leading to any loss, damage and or liability. Nothing contained herein is to be construed as a recommendation to use any product or process, and therefore the Company makes no representation or warranty, express or implied that, the utilization thereof won't infringe any patent, or otherwise.


The Company reserves its rights to terminate these Terms within the event: you breach any provision of those Terms;
the Company is required to try to so under law; or
the Company chooses to discontinue the Services being offered or discontinue to work the Platform; the license granted to use the App expires;
of non-payment of Outstanding Amount(s).
The Company retains the right to pursue you until you have fulfilled all of your obligations, including but not limited to payment of the Outstanding Amount, even if you have uninstalled the App or the Terms have expired (s).
Upon termination of those Terms, the rights and licenses granted to you under these Terms shall cease to exist, and you want to forthwith stop using the Platform and therefore the Services and repay the Outstanding Amount(s).
Notwithstanding anything contained in these Terms or otherwise, the termination of those Terms for any reason whatsoever, shall not affect your obligations, including but not limited to repayment of the Outstanding Amount(s).


You expressly understand and agree that:
your use of the Services and therefore the Platform is at your sole risk.
The Platform, as well as the Services, are offered "as is" and "as available."
The company explicitly disclaims any and all warranties, explicit or implied, including, but not limited to, implied warranties of merchantability, fitness for a specified purpose, and non-infringement. any material downloaded or otherwise obtained through the access or use of the Platform, is at your own discretion and risk which you'll be solely liable for any damage to your computing system, electronic data or loss of knowledge that results from the download of any such material. no advice or information, whether verbal or written, obtained by you from the corporate, for the Services or through the Platform shall create any warranty not expressly stated in these Terms. The Services are intended for private, non-commercial use. You shall be solely liable for the utilization, misuse, improper usage of the Services and therefore the Platform. the corporate shall not be responsible for any damages accruing out of the utilization of the Services which haven't been expressly stipulated under these Terms. the corporate makes no warranty, including implied warranty, and expressly disclaims any obligation, that: (a) the Contents are and can be complete, Exhaustive, accurate or suitable to your requirements; (b) The Platform or the Services will meet your requirements or are going to be available on an uninterrupted, timely, secure, or error-free basis; (c) the results which will be obtained from the utilization of the Platform or Services are going to be accurate or reliable.


You undertake to defend, identify, and keep harmless the Company, its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees against any claim or demand., including attorneys’ fees, made by any third party thanks to or arising out of (i) your violation of those Terms; (ii) your violation of any rights of other users of the Platform; (iii) your use or misuse of the Platform or Services: (iv) your breach of relevant laws.


You understand and agree that the corporate, including its directors, officers, employees, representatives, or the service provider, is not liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses (Even if the corporation has been advised that such losses are possible), resulting from; (a) use or inability to utilize the Services (b) inability to use the Platform (c) failure or delay in delivering the Services or access to the Platform (d) the Company's performance or non-performance (e) any damages to or viruses that may infect your electronic devices or other property as a consequence of your use of the Platform or any material obtained through the Platform, and (f) server failure or any other aspect of the Services.


Without limiting the foregoing, under no circumstances shall the corporate be held responsible for any damage, loss, loss of services of Platform, thanks to deficiency in provision of the Services resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, internet failures, computer equipment failures, telecommunication system failures, change in applicable regulations, including Federal Reserve Bank of India regulations, or the other government regulations, floods, storms, electrical failure, civil disturbances, riots.


Our privacy policy covers the collection, sharing, and uploading of Personal Information for the provision of Services in great detail ("Privacy Policy"). Our Privacy Statement may be found here.


The Company reserves the proper to switch, change, substitute, remove, suspend or update these Terms or any information thereof at any time by posting the updated Terms on the Platform. Such modifications will take effect as soon as they are posted. Following the revisions, your continued use of the Services or Platform will be deemed your acceptance of the amended Terms.


This Agreement shall be construed and governed by the laws of India without reference to principles of conflict of laws. The parties further agree that any issues would be resolved exclusively by the courts of Pune, Maharashtra, India.


Entire Understanding: These Terms, alongside the Loan Agreement, Mobile form and Privacy Policy, constitute the whole understanding between you and therefore the Company with reference to the Services. Waiver: The failure of the corporate to exercise or enforce any right or provision of those Terms shall not constitute a waiver of such right or provision. You agree that no matter any statute or law to the contrary, any claim or explanation for action arising out of or associated with availing of the Services or these Terms must be filed within one (1) year after such claim or explanation for action arose or be forever barred. Severability: If any provision of those Terms is found by a court of competent jurisdiction to be invalid, the Parties nevertheless agree that the court should endeavor to offer effect to the Parties’ intentions as reflected within the provision, and therefore the other provisions of those Terms shall remain fully force and effect.


Referrer being the person whose referral code has been used and referral recipient being the person who uses ClickMyLoan’s lending facility from a valid referral code. Participant shall include, whether individually or collectively, both the referrer and therefore the referral recipient.
For each referral, both the referrer and therefore the referral recipient get Rs. 200 Off on their next loan repayment amounts. The said amount is subject to change at ClickMyLoan’s discretion
In addition to the ₹ 200 off, referrers may be eligible for referral contests that are declared from time to time. To be eligible for lucky draw, 10 of the user’s friends must have availed a loan using his/her referral code during the competition period. ClickMyLoan holds the right to do the audit to validate the eligibility for the lucky draw. Referral code will be considered only if it is applied through the App of ClickMyLoan Winners to this referral program authorizes ClickMyLoan to publish its name, city, photos and other information on various platforms.
Referral program is available for limited cities as prescribed by ClickMyLoan. Creating multiple Customer’s accounts using multiple address, emails or signing in from multiple devices so as to unduly gain Referral Discount shall be considered to be in contravention of these Terms & Conditions.
Referral discount is non-transferable.
ClickMyLoan reserves the right to discontinue, add, alter, withdraw, modify, any of the terms and conditions of referral discount program without assigning any reasons. In case of any dispute in relation to referral program, ClickMyLoans decision shall be binding on all customers.
Any taxes, cess, liabilities or charges payable under the program to the govt or the other such authority or body, if any, shall be borne directly by the Customer.
Early Salary reserves the right to review and investigate all referral activities and to suspend accounts or revoke / remove referral discount and withhold features or benefits obtained through ClickMyLoan referral program.
Customer assumes all liability for any injury or a damage caused or claimed to be caused by his or her participation during this program and/or the acceptance and/or use of any prize, and releases the ClickMyLoan, and their respective subsidiaries, affiliates, officers, directors, agents, and employees, from any such liability.
ClickMyLoan, and their respective subsidiaries, affiliates, officers, directors, agents and employees are not responsible for technical, hardware, software, or telephone malfunctions of any kind, lost or unavailable network connections, or failed incorrect, incomplete, inaccurate, electronic communications that are garbled or delayed as a result of the user, any of the equipment or programming connected with or used, or any human mistake that may occur during the processing of the entries in this programme. Entry constitutes permission (except where prohibited by law) to use the winner's name, city, state, likeness and/or voice for purposes of advertising, promotion and publicity without additional compensation.


Please contact the Company at help@clickmyloan.com if you have any questions or concerns about these Terms.