Terms and conditions

Who we are

MeriEmi Technologies Private Limited, trading as meriEMI, is a company incorporated in India with its registered office at Block B, 34/9, Landmark B-34/9, Double Storey, Ramesh Nagar, West Delhi, Delhi, 110015.

• CIN: U72500DL2021PTC386842
• GSTIN: 07AAOCM9824B1ZA

In these terms, “we”, “us” and “our” mean MeriEmi Technologies Private Limited. “You” means the person using the website or our service.

Accepting these terms

By using the website, sending us an enquiry, or asking us to approach lenders for you, you agree to these terms. If you do not agree with them, please do not use the service.

What we do and what we do not do

We arrange car finance and loans against property. We collect your requirement, identify which banks and non-banking financial companies on our panel are likely to fund it, pass your application to those lenders, and help you compare and complete what comes back.

We want to be plain about the limits of that role:

• We are not a bank or a non-banking financial company. We do not lend money, accept deposits, approve applications, set interest rates or disburse loans.
• We cannot guarantee that any lender will approve your application, or that you will receive any particular rate, tenure or amount.
• We cannot promise how long a lender will take. Timelines depend on the lender and on how complete your documents are.
• We do not advise you on which offer to take. The choice of lender and product is yours.
• We do not sell, value, deliver, service or warrant any vehicle, and we do not value, survey or hold title to any property offered as security.

Who can use the service

To use the service you must:

• Be at least 18 years old.
• Be resident in India.
• Be legally capable of entering into a binding contract.
• Be applying for yourself, or be authorised to apply for the person you name.

The information you give us

You agree that the information and documents you give us are true, accurate and complete, and that you will tell us if something changes while your application is live.

Lenders decide on the information you provide. Giving false or misleading information, or a forged document, can lead a lender to reject or recall a loan, and may be an offence. We may stop acting for you if we find that information you have given us is false.

How the service works

• You tell us what you want to finance, car or property, and give us the details a lender will need.
• We identify lenders on our panel likely to fund it and send your application to them.
• We tell you what each lender has come back with, so you can compare them.
• You choose a lender. We help you complete the documentation that lender requires.
• The lender assesses, decides, and if it approves, contracts with you directly and disburses the loan.

Your loan agreement is between you and the lender. We are not a party to it, and we have no say in its terms.

What it costs and how we are paid

We do not charge you anything for arranging finance. You pay us no fee, commission or service charge.

We are paid by the lenders and dealerships we work with. You should know this when you consider what we tell you, and you are free to approach any lender directly instead of going through us.

Any interest, processing fee, documentation charge, insurance premium or other cost in your loan is set by the lender, not by us. The lender discloses those to you before you commit, and they are governed by your agreement with that lender.

Lender decisions and offers

Every lender decides every application on its own terms. A lender can decline your application, ask for more documents, or offer terms different from any indication given earlier, and it does not have to give a reason.

Listing a lender on our website does not mean that lender has approved you, endorsed us, or agreed to fund any particular application. An offer binds a lender only when that lender makes it to you directly, on its own paper.

Estimates are indicative

Any EMI, rate, eligibility or affordability figure we show you before a lender has made a formal offer is an estimate for comparison only. It is not an offer, a sanction or a commitment, and the final terms may differ.

Using the website properly

You agree not to:

• Use the service for anything unlawful, or to apply in someone else’s name without their authority.
• Attempt to gain unauthorised access to the website or any system behind it.
• Scrape, copy or republish the website or its content for a competing service.
• Introduce malware, or interfere with the website working for anyone else.

Intellectual property

The meriEMI name, logo, website design, text and images belong to MeriEmi Technologies Private Limited or are used with permission. You may read and print pages for your own use in considering our service. You may not otherwise copy, adapt or use them commercially without our written permission.

Third party names and links

Bank and non-banking financial company names on our website identify the lenders on our panel. Those names and marks belong to their respective owners, and their appearance does not imply that the owner endorses us or our service.

Where we link to another website, we do not control it and we are not responsible for its content or its privacy practices.

Our liability

We provide the service with reasonable care and skill. We do not exclude or limit our liability where the law does not allow us to, including for fraud or for death or personal injury caused by our negligence.

Subject to that, we are not liable for:

• A lender declining your application, or the terms a lender offers.
• Anything a lender or a dealership does or fails to do.
• The condition, quality, delivery or performance of any vehicle you buy, or the value, title or condition of any property offered as security.
• Loss of profit, loss of opportunity or any indirect or consequential loss.
• Loss caused by information you gave us being inaccurate or incomplete.

Because you pay us nothing, where we are found liable to you our total liability for all claims connected with the service is limited to five thousand rupees.

Indemnity

You agree to indemnify us against any loss, claim or cost we incur because you have breached these terms, given us false information, or used the service unlawfully.

Suspending or ending the service

You can stop using the service at any time, and you can withdraw your consent to our processing your personal data as described in our privacy policy.

We may suspend or stop providing the service to you if you breach these terms, if we suspect fraud, or if we are required to by law. We may also change or withdraw the website itself.

Privacy

How we handle your personal data is set out in our privacy policy, which forms part of these terms.

Changes to these terms

We may update these terms. The version on this page, with the date shown at the top, is the one that applies. If you keep using the service after a change, you accept the updated terms.

Governing law and jurisdiction

These terms are governed by the laws of India. The courts at Delhi have exclusive jurisdiction over any dispute arising out of them, subject to any right you have under consumer protection law to bring a claim where you live.

Contact and grievances

If you have a question or a complaint about the service, contact us:

• Email: support@meriemi.com
• Grievance Officer: Deepak Khanna, support@meriemi.com
• Post: Block B, 34/9, Landmark B-34/9, Double Storey, Ramesh Nagar, West Delhi, Delhi, 110015