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Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of the AbhiMoney website and mobile application (the “Platform”). Please read them together with our Privacy Policy. By accessing or using the Platform, you agree to these Terms. If you do not agree, please do not use the Platform.

“AbhiMoney” is a brand. The Platform is owned and operated by Abhicash Infotech Private Limited (the “LSP”, “we”, “us”), which acts as a Lending Service Provider and authorised agent of the lender.

Loans are provided by, and the lending decision rests solely with, CNMP Investments Private Limited, an RBI-registered Non-Banking Financial Company (the “NBFC” / “Lender”), CIN U74899DL1983PTC016061, registered office 70/A-32, Rama Road Industrial Area, Najafgarh Road, West Delhi, Delhi, India, 110015The LSP does not itself lend, take deposits or make credit decisions, and acts on behalf of the Lender under the RBI (Digital Lending) Directions, 2025.

The name of the Lender, and a link to the Lender’s website where the LSP is named as its authorised agent, are displayed on the Platform. The AbhiMoney app is listed on the RBI’s public database of digital lending apps.

  1. Definitions
  • “Lender” / “NBFC”: CNMP Investments Private Limited, which sanctions and disburses the loans.
  • “LSP” / “we”: Abhicash Infotech Private Limited, operator of the AbhiMoney Platform.
  • “Platform” / “DLA”: the AbhiMoney website and mobile application.
  • “User” / “you”: any person who accesses the Platform or applies for a loan through it.
  • “KFS”: the Key Fact Statement setting out the all-inclusive terms of a loan, including the APR.
  1. Eligibility and role of the LSP

2.1  To use the Platform you must be at least 18 years old, a resident of India, and legally competent to contract. A particular loan product may specify further eligibility criteria.

2.2  The LSP provides technology, sourcing, servicing and support services. All credit underwriting, sanction, pricing, disbursal and recovery decisions are taken solely by the Lender. The LSP has no authority to sanction, disburse or vary any loan or to bind the Lender.

2.3  Submitting an application does not guarantee a loan. Loans are granted at the sole discretion of the Lender, subject to its credit policy and applicable law.

  1. Loan terms, KFS and pricing transparency

3.1  Before you accept a loan, the Lender will provide a Key Fact Statement (KFS) setting out the loan amount, tenor, interest rate, the all-inclusive Annual Percentage Rate (APR), all fees and charges, the recovery mechanism, the grievance contact and the cooling-off period. Nothing is payable that is not disclosed in the KFS. The digitally-signed KFS, sanction letter and loan agreement are shared with you by email/SMS.

3.2  All fees and charges are disclosed upfront in the KFS. You are not charged any fee that is not in the KFS, and no fee is payable by you directly to the LSP — the LSP is remunerated by the Lender.

3.3  Cooling-off period: you may exit the loan within the cooling-off / look-up period stated in the KFS (not less than one day) by repaying the principal and the proportionate APR, without penalty. A one-time processing fee, if any, is retained only if it was disclosed in the KFS.

3.4  Direct disbursal and repayment: loan amounts are disbursed directly by the Lender into your bank account, and repayments are made directly to the Lender’s designated account. No loan money flows through any account of the LSP.

  1. Your information, consent and app permissions

4.1  Your personal data is collected and processed in accordance with our Privacy Policy, the RBI (Digital Lending) Directions, 2025 and the Digital Personal Data Protection Act, 2023. The Lender is the Data Fiduciary and the LSP is a Data Processor in respect of your loan data. All data is stored on servers located in India.

4.2  One-time KYC access (RBI-permitted): with your explicit consent, the app may take a one-time access to your device camera, microphone and location solely for onboarding / KYC, as permitted under the RBI (Digital Lending) Directions, 2025. You may decline or revoke this access, which may affect your ability to complete KYC.

4.3  Additional data access (as described in the Privacy Policy): where enabled, and only with your explicit, just-in-time consent, the app may access SMS metadata from transactional senders, the installed-application list, location and device/phone-state for verification, fraud-prevention and credit-assessment purposes, as set out in the Privacy Policy. The app does not access your files, media, photo gallery, contacts or call logs, does not read personal or OTP messages (other than OTPs sent by us), and does not collect IMEI or device serial numbers, or store biometric data except as permitted by law. You may decline or revoke these permissions.

  1. Your account and acceptable use

You are responsible for the confidentiality of your account credentials and for all activity under your account. You agree that you will not:

  • provide false, misleading or impersonated information, or apply on behalf of another without authority;
  • create multiple accounts, or use the Platform for any unlawful, fraudulent or unauthorised purpose;
  • infringe any third party’s intellectual-property, publicity or privacy rights;
  • interfere with, compromise, hack or attempt unauthorised access to the Platform, its security or systems; or
  • use the Platform to collect personal information about other users.
  1. Fair recovery practice

Recovery, where required, is carried out on behalf of the Lender in accordance with the RBI (Digital Lending) Directions, 2025 and the RBI Fair Practices / Responsible Business Conduct norms. No harassing, coercive or unlawful recovery practice is permitted, and the identity of any authorised recovery agent will be communicated to you in advance.

  1. Grievance redressal

7.1  You may contact the LSP’s Grievance Officer (gro@abhimoney.in) or the Lender’s Nodal Grievance Redressal Officer for digital lending, whose details are displayed on the Platform, in the app and in the KFS.

7.2  If your complaint is not resolved within 30 days, you may escalate it to the RBI under the Reserve Bank – Integrated Ombudsman Scheme through the RBI Complaint Management System portal (https://cms.rbi.org.in), or report unauthorised/illegal lending activity on the RBI SACHET portal (https://sachet.rbi.org.in).

  1. Intellectual property

The AbhiMoney brand, the Platform, its software, content, trademarks and logos are owned by the LSP or its licensors (the Lender’s name and marks remain the Lender’s). You may not copy, modify, distribute, reverse-engineer or create derivative works, or remove any proprietary notices, without prior written consent.

  1. Third-party links and services

The Platform may link to or integrate third-party services (e.g. KYC, account-aggregator, e-sign, payment or credit-information providers). We are not responsible for their content or practices; their own terms and privacy policies apply.

 

  1. Disclaimers and limitation of liability

The Platform is provided on an “as is” and “as available” basis. To the extent permitted by law, the LSP does not warrant that the Platform will be uninterrupted, error-free or free of harmful components, and is not liable for any indirect, incidental, consequential or punitive loss. Nothing here limits any liability that cannot be limited under applicable law, or the Lender’s obligations to you as your lender. Nothing on the Platform constitutes financial, legal or professional advice.

  1. Suspension and termination

We may suspend or terminate your access to the Platform if you breach these Terms or applicable law, or as required by the Lender or a regulator. Termination does not affect your subsisting loan obligations to the Lender.

  1. Governing law and disputes

These Terms are governed by the laws of India and constitute an ‘electronic record’ under the Information Technology Act, 2000. Subject to applicable law, the courts at Delhi, shall have jurisdiction. Loan-related disputes with the Lender are also subject to the RBI Integrated Ombudsman mechanism referred to above. If any provision is held invalid, the remainder continues in effect; the English version prevails in case of conflict.

  1. Changes to these Terms

We may update these Terms from time to time. The current version, with its ‘last updated’ date, will always be available on the Platform. Continued use after an update means you accept the revised Terms.

  1. Contact

LSP: Abhicash Infotech Private Limited — Plot no. 56/6, Block-C, Sector-62, Noida, Gautam Buddha Nagar, Uttar Pradesh-201309 · care@abhimoney.in · 9999966040.

Lender: CNMP Investments Private Limited (NBFC) — grievance and nodal-officer details as displayed on the Platform and at [https://cnmp.in/].