Last Updated: August 11, 2025
Important Notice: Please read these Terms and Conditions (hereinafter referred to as "Terms") carefully before using the "KammaLoan" mobile application (hereinafter referred to as "the App") and related services. These Terms form a legally binding agreement between you and the App service provider, KAMMA SOFTWARE INNOVATIONS PRIVATE LIMITED, and the loan provider, AROHAN FINANCIAL SERVICES LIMITED. By registering, accessing, or using the App, you acknowledge that you have read, understood, and unconditionally accepted all contents of these Terms. If you do not agree to any part of these Terms, please cease using the App immediately.
1.1. The App is operated and technically supported by KAMMA SOFTWARE INNOVATIONS PRIVATE LIMITED (hereinafter referred to as the "Service Provider"), responsible for the maintenance, development, user interface, and technical support of the App.
1.2. All loan products displayed and offered within the App are provided by AROHAN FINANCIAL SERVICES LIMITED, a Non-Banking Financial Company (NBFC) certified by the Reserve Bank of India (RBI) (hereinafter referred to as the "Loan Provider", "we", or "NBFC"). The Loan Provider is the sole entity deciding to offer loans and is responsible for loan approval, disbursement, management, and recovery.
1.3. You (hereinafter referred to as the "User" or "You") are the individual downloading, installing, registering, and using the App, and you declare and warrant that you are a resident of India and are at least 18 years old.
2.1. The App is a technological platform that provides loan application matching services between users and the Loan Provider. Through the App, you can:
(a) Browse loan products offered by the Loan Provider;
(b) Submit loan applications;
(c) Check loan application status, manage orders, and view repayment schedules;
(d) Consult and communicate with customer service;
(e) Perform repayment operations.
2.2. Important Notice: The Service Provider (KAMMA SOFTWARE INNOVATIONS PRIVATE LIMITED) is not itself a loan provider. The Loan Provider (AROHAN FINANCIAL SERVICES LIMITED) independently makes all credit decisions (including but not limited to approval, rejection, loan amount, interest rate, and term). The Service Provider bears no responsibility for any decisions made by the Loan Provider.
3.1. To use the service, you must meet all of the following conditions simultaneously:
(a) Be an Indian citizen or legal resident;
(b) Be at least 18 years old;
(c) Possess a valid bank account, mobile number, and required documents (e.g., PAN card, Aadhaar card);
(d) Have independent legal capacity.
3.2. You agree to provide true, accurate, up-to-date, and complete information during the registration process. You are obligated to promptly update your information to maintain its accuracy.
3.3. You agree not to create multiple accounts or use the App for any fraudulent purposes.
4.1. The loan application you submit through the App constitutes an offer from you to the Loan Provider, inviting the Loan Provider to consider providing you a loan based on the information you provided.
4.2. The Loan Provider has the right to approve or reject your application at its sole discretion without providing a reason.
5.1. You agree to pay loan interest at the rate specified in the final loan agreement.
5.2. You agree to pay any reasonable fees (such as processing fees) that may be stipulated in the loan agreement.
5.3. You must strictly adhere to the repayment schedule. You need to perform repayment operations through the methods supported by the App.
5.4. Late repayment will result in late fees and/or higher penalty interest, the specific amounts of which will be clearly stated in the loan agreement and may negatively impact your credit score.
6.1. How we collect, use, and protect your personal data is detailed in a separate Privacy Policy, which forms an integral part of these Terms.
6.2. By using the App, you hereby expressly authorize and consent to the Loan Provider and the Service Provider:
(a) Obtaining, processing, and verifying your credit reports and information from credit bureaus, databases, and third-party service agencies for the purpose of assessing your creditworthiness and preventing fraud.
(b) Sharing your loan and repayment behavior data with credit bureaus in accordance with applicable laws.
(c) Processing your data as stipulated in the Privacy Policy for the purposes of providing services and fulfilling legal obligations.
7.1. You commit to:
(a) Using loans solely for legal purposes;
(b) Repaying loans in full and on time;
(c) Not engaging in any activity that may harm, disrupt, or overburden the App or its infrastructure.
7.2. You shall not:
(a) Provide any false, inaccurate, or misleading information;
(b) Attempt to commit fraud or impersonate others;
(c) Upload or disseminate viruses or malware;
(d) Reverse engineer, decrypt, or attempt to access the source code of the App.
The App and all its content (including but not limited to text, graphics, logos, software) are the property of the Service Provider and/or the Loan Provider and are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the App solely for the purpose of using the service.
9.1. To the fullest extent permitted by law, neither the Service Provider nor the Loan Provider shall be liable for any indirect, incidental, special, or consequential damages (such as loss of profits, data loss) arising from the use or inability to use the App.
9.2. The total liability of the Loan Provider to you shall not exceed the total cumulative fees and interest you have paid to that Loan Provider.
10. Termination
10.1. You have the right to stop using the App at any time by deactivating your account.
10.2. If we reasonably believe that you have violated these Terms, or your behavior poses a fraud risk, we have the right to immediately suspend or terminate your access to the App without prior notice.
10.3. After termination, any existing loan agreements you have remain valid, and you must continue to fulfill your repayment obligations.
11. Governing Law and Dispute Resolution
11.1. These Terms shall be governed by and construed in accordance with the laws of India.
11.2. Any dispute arising from or in connection with these Terms shall first be attempted to be resolved through amicable negotiation. If negotiation fails, the parties hereby agree to submit the dispute to the exclusive jurisdiction of the courts located at the registered office of the Loan Provider.
12. Disclaimer and Risk Warning
12.1. Loan Risk: A loan is a financial liability. Please borrow prudently according to your repayment ability. Failure to repay on time may seriously negatively impact your credit record and may lead to legal proceedings.
12.2. Technical Disclaimer: The Service Provider and the Loan Provider do not guarantee that the App will operate uninterrupted or error-free. We are not responsible for service interruptions caused by maintenance, force majeure, or circumstances beyond our reasonable control.
13. General Terms
13.1. Severability: If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be modified, interpreted, or deleted to the extent necessary without affecting the validity and enforceability of the remaining provisions.
13.2. Right to Amend: We reserve the right to amend these Terms at any time. Any amendments will take effect after the updated version is published on the App. Your continued use of the App signifies your acceptance of the amended Terms.
13.3. Entire Agreement: These Terms (including the referenced Privacy Policy) constitute the entire agreement between you, the Service Provider, and the Loan Provider on this subject matter and supersede all prior oral or written agreements.
14. Contact Us
If you have any questions, comments, or complaints regarding these Terms, please contact us via:
- Customer Service Email Address: help@kammasoftware.com
- Complaints Email Address: info@kammasoftware.com