1. QUEVEDA TECHNOLOGIES PRIVATE LIMITED is the platform operator and LSP. We provide technology-driven application workflows, user onboarding, KYC assistance and customer support. We are NOT a lender and do not disburse any loan funds.
2. All credit-related decisions including eligibility screening, credit appraisal, loan approval, sanctioning, disbursement, determination of APR, tenure, fees, EMIs and recovery procedures are the sole responsibility of our RBI-registered NBFC partner S.B.N. LEASING AND FINANCE LIMITED (“NBFC / Lender”). All loan contractual obligations are established directly between you and S.B.N. LEASING AND FINANCE LIMITED.
3. You authorise QueViraLoan to transmit your application, KYC documents, personal and financial data to S.B.N. LEASING AND FINANCE LIMITED for credit evaluation, sanction, disbursement and loan servicing in accordance with RBI digital lending guidelines and DPDPA 2023.

To register and submit a loan application via QueViraLoan, you must satisfy the following basic criteria:

• You are a citizen / lawful resident of India;
• You have attained the age of 18 years or above;
• You possess valid government-issued identity documents (Aadhaar, PAN etc.);
• You have an active Indian mobile number and functional bank account held in your own name;
• You meet the internal credit and income assessment criteria set by the NBFC lender.

Submission of an application does not guarantee loan approval. The NBFC reserves full discretion to accept or reject any loan application without further explanation.

1. You shall provide true, accurate, complete and current information during registration, KYC and loan application. You are solely responsible for updating your contact details when they change.
2. Your registered mobile number is linked to your account. OTP-based verification shall be used for login and critical actions. You shall keep your OTPs and device secure. You are fully liable for all activities performed under your account.
3. You shall not share your account access credentials with any third-party. Immediately notify our support team if you detect unauthorised usage of your account.
4. One individual may maintain only one active QueViraLoan user account. Duplicate accounts are subject to suspension.

1. Once your application is processed by S.B.N. LEASING AND FINANCE LIMITED, you will receive a formal loan offer containing full disclosure of Annual Percentage Rate (APR), processing fees, applicable charges, repayment tenure, EMI amounts, late payment levies and total cost of borrowing. You must explicitly accept the offer before any loan is sanctioned.
2. There are no hidden fees. All applicable charges are fully disclosed within the loan offer document prior to your acceptance.
3. Repayment: You may repay EMIs via authorised auto-debit facility or other permitted payment modes. Auto-debit success depends on sufficient available balance in your linked bank account.
4. Delayed or missed EMI payments may attract statutory late charges and may adversely impact your credit bureau score. In case of repayment difficulty, you shall reach out to grievance support at the earliest.
5. Loan funds will be disbursed to the bank account details you submit. You warrant that all banking details provided belong to you and are accurate. QueViraLoan and the NBFC shall not be liable for wrong fund transfers caused by incorrect user-supplied bank information.

1. Your use of the App requires certain device permissions including mobile number access, camera access for KYC capture, reading metadata of installed financial apps and device identifiers as detailed in our Privacy Policy.
2. By accepting these Terms, you consent to collection, processing and sharing of your personal data as laid out in our Privacy Policy. You understand certain metadata will be auto-purged within 24-hours of loan-application submission as specified.
3. You may revoke device-level permissions via your mobile system settings. Revoking permissions may restrict or disable certain core functionalities of the application.

You agree NOT to:

• Provide forged, falsified or fraudulent identity, income or bank documents;
• Exploit the platform for money-laundering or any unlawful activity;
• Tamper, reverse-engineer, hack or disrupt the QueViraLoan application or backend systems;
• Create bot-driven accounts, submit multiple fake applications;
• Misuse contact or support channels for abusive, threatening or harassing communications.

We reserve the right to suspend or permanently block your account if you engage in prohibited conduct. Suspension does not release you from any existing loan repayment obligations owed to the NBFC.

All trademarks, logos, text, UI-design, software code and content within QueViraLoan App and website remain the intellectual property of QUEVEDA TECHNOLOGIES PRIVATE LIMITED. You may not copy, reproduce or redistribute any platform content without our prior written approval.

1. For any complaints, queries or disputes concerning platform usage, you may email service@quevedatech.com.
2. Loan-specific grievances related to sanction, disbursement, EMI, charges and recovery shall also be addressed by the Grievance Redressal Officer of S.B.N. LEASING AND FINANCE LIMITED (NBFC).
3. We acknowledge grievances within 48 working hours and process them in accordance with RBI prescribed timelines.

1. You may submit a request for account deletion by writing to our designated support email. We will process your request subject to DPDPA 2023 and applicable Indian laws.
2. Important: If you have an active or outstanding loan with S.B.N. LEASING AND FINANCE LIMITED, account deletion request cannot be completed until your loan obligations are fully settled. Statutorily-mandated records will be retained even after account closure as required under law and RBI norms.
3. We may terminate or suspend your account in cases of fraud, breach of these Terms, or regulatory requirement.

1. QUEVEDA TECHNOLOGIES PRIVATE LIMITED only provides technical platform services. We give no warranty or guarantee regarding loan approval, loan amount, rate of interest or disbursement timelines. All lending-related risks are governed by the agreement between you and S.B.N. LEASING AND FINANCE LIMITED.
2. We make reasonable efforts to keep the App operational; however we do not warrant uninterrupted, error-free service and shall not be liable for losses arising out of internet outage, device failure, third-party bank system downtime.

We may revise these Terms periodically. Material changes will be communicated via in-app notice or email. Your continued usage of QueViraLoan after effective date constitutes acceptance of revised Terms.

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