Terms & Conditions

PLEASE READ THESE TERMS AND CONDITIONS (“TERMS”) CAREFULLY.

By accessing or using the website or mobile application of Zero Byaaz (“Company,” “we,” or “us”), you agree to be bound by these Terms. If you do not agree to any part of these Terms, please do not use our services.

1. Definitions

Website: Refers to our official website www.zerobyaaz.com.

1. Mobile Application / App:Refers to the Zero Byaaz mobile application available across various platforms.
2. Services: Includes all financial services and loan products offered through our Website or App.
3. User / You:Any individual who accesses or uses our Website or App.

2. Acceptable Use

By using our Website or App, you agree to:

• Use the platform solely for lawful and authorized purposes.
• Refrain from damaging, disabling, or impairing the Website or App.
• Avoid attempting unauthorized access to systems or data.
• Not use bots, scrapers, or other automated systems without written consent.

3. Our Services

Zero Byaaz offers a range of loan products, including personal and short-term emergency loans. All applications are subject to eligibility checks, credit assessments, and internal approval processes. Full details on interest rates, repayment terms, and eligibility criteria are available on our Website and App.

4. User Responsibilities

As a user, you are expected to:

• Provide accurate and complete information during registration and loan application.
• Keep your account credentials secure and confidential.
• Inform us immediately if you suspect unauthorized access or misuse.
• Use our services in compliance with all applicable laws and regulations.

5. Intellectual Property

All content—text, graphics, branding, software, and other materials-available on our Website and App is owned by the Company or its licensors and protected under applicable intellectual property laws. You are not permitted to copy, reproduce, or distribute this content without explicit written permission.

6. Limitation of Liability

To the maximum extent permitted by law, Zero Byaaz shall not be held liable for any:

• Direct or indirect losses
• Incidental or consequential damages
• Data loss or service disruption arising from your use of or inability to access the Website, App, or Services—even if we were advised of such possibilities.

7. Privacy Policy

Your personal data is important to us. Our Privacy Policy, available on our Website and App, outlines how we collect, use, and safeguard your information.

8. Third-Party Links

Our platform may contain links to external websites. Zero Byaaz does not control or endorse these third-party sites and is not responsible for their content or privacy practices. Use of such links is at your own risk.

9. Mobile App Permissions & Usage

Our App may request access to your:

• Location (for service eligibility)
• Camera (for document verification)
• Storage, SMS, and Contacts (for identity validation and reminders)

Access is only requested when necessary and with your consent. You are responsible for maintaining a secure device and a stable internet connection. Updates to the App may be required for continued access to features and services.

10. Changes to These Terms

We reserve the right to modify or update these Terms at any time. Any changes will take immediate effect once posted on the Website or App. Continued use of our services after such changes signifies your acceptance of the revised Terms.

11. Governing Law and Jurisdiction

These Terms shall be governed by the laws of India. Any disputes shall fall under the exclusive jurisdiction of the courts located in New Delhi.

12. Contact Information

Email: [email protected]

13. Grievance Redressal Mechanism

For escalations, complaints, or unresolved concerns, please reach out to our Grievance Officer:

Email: [email protected]

Mob: 9871688033

Address: 8th floor, Himalaya house, Kasturba gandhi marg, New Delhi - 110001