Last updated: 1st April 2025
The terms and conditions contained hereinafter ("TERMS OF USE") shall apply to the use of the website www.secureemi.com and any other linked pages, products, software(s), API keys, features, content, or application services (including but not limited to any mobile application services) in connection therewith, offered from time to time by Transparent Solutions ("Secure EMI" or "WE" or "OUR" or "US") (collectively, "PLATFORM").
Any person logging on to or using the Platform (even when such person does not avail of any services provided in the Platform ("SERVICES")) (hereinafter referred to as a "USER," "MERCHANT," "YOU" or "CLIENT") shall be presumed to have read these Terms of Use (which includes the Privacy Policy, separately put up on the Platform) and unconditionally and irrevocably accepted the terms and conditions set out herein. These Terms of Use, together with the rest of the Policies (defined below), constitute a binding and enforceable agreement between the User and Secure EMI.
THE USER UNDERSTANDS AND UNCONDITIONALLY ACKNOWLEDGES THAT EVEN THOUGH THE USER MAY BE ALLOWED TO EXECUTE TRANSACTIONS ON THE PLATFORM, THE FUNDS SHALL NOT BE SETTLED TO THE ACCOUNT OF SUCH USER PENDING COMPLETION OF KYC OBLIGATIONS ON THE PART OF THE USER IN ACCORDANCE WITH THE RBI'S KYC GUIDELINES (DEFINED BELOW). FURTHER, UPON NON-COMPLETION OF KYC OBLIGATIONS ON THE PART OF THE USER TO THE SATISFACTION OF SECURE EMI, WE RESERVE THE RIGHT TO NOT RELEASE THE SETTLEMENT AMOUNTS TO THE USER AND MAY EVENTUALLY REVERSE THE FUNDS TO THE ACCOUNT FROM WHERE SUCH PAYMENT ORIGINATED.
Please read the terms set out hereunder carefully before agreeing to the same. If you do not agree to these Terms of Use (including any referenced policies or guidelines), please immediately terminate your use of the Platform. You can accept the Terms of Use by:
For the purpose of these Terms of Use, wherever the context so requires, the term "User" shall mean and include any natural or legal person who has agreed to these Terms of Use on behalf of itself or any other legal entity.
It is clarified that the Policy (that is provided separately) forms an integral part of these Terms of Use and should be read contemporaneously with the Terms of Use. If any provision of these Terms of Use becomes void or unenforceable, the rest of the provisions shall remain binding upon the User.
The Terms of Use may be revised or altered by us at our sole discretion at any time without prior intimation to the User. The latest Terms of Use will be posted here. Any such changes by Secure EMI will be effective immediately. By continuing to use this Platform or accessing the Services after changes are made, you agree to be bound by the revised/amended Terms of Use.
You are solely responsible for understanding and complying with all applicable laws of your jurisdiction, including but not limited to RBI Guidelines on Regulation of Payment Aggregators and Payment Gateways, Payment and Settlement Systems Act, 2007, Prevention of Money Laundering Act, 2002, Know Your Customer (KYC) / Anti-Money Laundering (AML) / Combating Financing of Terrorism (CFT) guidelines issued by the Department of Regulation, RBI (the "KYC GUIDELINES"), that may be applicable to you in connection with your business and use of our Services.
Subject to these Terms of Use, Merchant Onboarding Policy, KYC Policy, Disputes and Grievance Redressal Policy, and Privacy Policy (collectively, "POLICIES"), Secure EMI offers the Services outlined in Schedule I herein.
Schedule I contains descriptions and process flows of all Services offered to Users. These descriptions and process flows are set out in Part A to Part G in Schedule I.
Secure EMI is continuously evolving to provide the best possible experience for its Users. You acknowledge that the form and nature of the Services may change from time to time without prior notice.
Secure EMI reserves the right to modify, suspend, or discontinue any Services (or any features within the Services) at its sole discretion, without prior notice. If Secure EMI disables access to a User’s account, the User may be prevented from accessing the Services, account details, or any associated content, and Secure EMI will notify the User accordingly.
Secure EMI may delete stored User information, including but not limited to personal data, upon termination of services. Users who wish to opt out of data retention may notify Secure EMI’s Grievance Officer. However, such requests may impact Secure EMI’s ability to provide services.
Secure EMI provides merchants with tools to create and manage EMIs for customers, including:
Secure EMI does not offer direct lending or credit services but facilitates EMI management for merchants.
To access Secure EMI’s Services, Users may be required to create an account and provide accurate, complete, and up-to-date registration data. If a User provides false, inaccurate, or incomplete information, Secure EMI reserves the right to reject, suspend, or terminate the account.
Users shall not:
Users are responsible for maintaining the confidentiality of their account credentials and agree to notify Secure EMI immediately at support@secureemi.com in case of any unauthorized access.
Secure EMI may share user data with regulatory agencies as required under applicable laws for verification, security, or investigative purposes.
If a User has subscribed to Secure EMI’s automated EMI collection service, recurring transactions will continue until terminated by the User. Users must provide at least 7 days' prior notice for termination to ensure processing before the next billing cycle.
You represent and warrant that you have full legal capacity and authority to agree and bind yourself to these Terms. You must be at least eighteen (18) years old, an Indian resident, and have all requisite licenses, registrations, rights, power, and authority to enter into these Terms and Conditions. If you represent an entity, organization, or any other legal person, you confirm that you have the necessary power and authority to bind such entity to these Terms.
To access Secure EMI Services, you may be required to complete underwriting processes and provide relevant documentation. By submitting such information, you authorize Secure EMI and any engaged third-party service providers to process and evaluate your eligibility. If we find any provided information unreliable, fraudulent, or deficient, we reserve the right to refuse or suspend your access to our Services.
For the purposes of these Terms of Use, the term "CONTENT" includes, without limitation, information, data, text, logos, photographs, videos, audio clips, animations, written posts, articles, comments, software, scripts, graphics, themes, and interactive features generated, provided, or otherwise made accessible on or through the Services.
You acknowledge that content presented within the Services may be protected by intellectual property rights owned by third parties, sponsors, or advertisers. You shall not modify, rent, lease, loan, sell, distribute, or create derivative works based on this content unless expressly permitted by Secure EMI or the rightful owner.
Secure EMI reserves the right to moderate, publish, re-publish, or use user-generated content, including reviews, comments, and other contributions across its platforms. Users submitting content grant Secure EMI the right to use such material for promotional or operational purposes.
You acknowledge that Secure EMI (or its licensors) owns all proprietary rights in and to the Services, including intellectual property rights. You agree not to use any trademarks, service marks, trade names, logos, or distinctive brand features of Secure EMI without express written consent.
Users agree to comply with all applicable anti-bribery and anti-corruption laws, including but not limited to:
Users shall not engage in offering, receiving, or inducing payments, gifts, or hospitality to gain improper commercial advantages. Secure EMI also requires compliance with RBI’s KYC/AML/CFT guidelines at all times.
Secure EMI provides services on an "as is" and "as available" basis. We do not guarantee that:
Users access and use the platform at their own discretion and risk. Secure EMI disclaims all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.
Users represent and warrant that:
Users agree to indemnify and hold Secure EMI, its affiliates, directors, employees, and partners harmless from any claims, liabilities, damages, losses, or expenses arising from:
Secure EMI shall not be liable for:
Our liability, if any, shall be limited to the amount of fees collected from the user in the three months preceding the claim.
Secure EMI shall not be responsible for any failure or delay in performing its obligations due to events beyond its reasonable control, including but not limited to:
In such cases, Secure EMI shall make reasonable efforts to resume operations as soon as feasible.
Users may receive access to confidential and proprietary information belonging to Secure EMI, including but not limited to business strategies, trade secrets, operational plans, software architecture, financial information, and customer data ("CONFIDENTIAL INFORMATION"). Users agree to maintain the confidentiality of such information and prevent its unauthorized disclosure.
Confidential Information does not include information that:
Users must notify Secure EMI immediately upon discovery of any unauthorized disclosure or breach of confidentiality and cooperate in mitigating any potential damages.
If Secure EMI is notified by a bank or payment network that a transaction has been reported as fraudulent ("FRAUDULENT TRANSACTION"), Secure EMI may:
Secure EMI may display advertisements as part of its services. Users acknowledge and agree that:
By using Secure EMI, Users authorize Secure EMI to:
Users may opt out of such communications by notifying Secure EMI in writing.
Users must comply with all rules and guidelines set forth by payment networks such as Visa, MasterCard, and Rupay. Failure to comply may result in penalties, suspension, or termination of services. Users agree to:
Secure EMI will process settlements after deducting applicable fees and in accordance with banking regulations. Users acknowledge that:
Users are responsible for ensuring that they provide accurate bank account details for settlement purposes. Any errors in bank account details leading to settlement failures are the sole responsibility of the User.
Users agree not to use Secure EMI’s services for payments in connection with the following activities, including but not limited to:
Secure EMI reserves the right to update this list periodically and terminate accounts engaged in prohibited activities.
Transactions may be disputed within 120 days from the date of transaction as per Card Payment Network Rules. If a dispute results in a Chargeback, the following process applies:
If Secure EMI is charged a Chargeback fee by the Acquirer or Issuer, the merchant agrees to reimburse Secure EMI for the amount charged.
ANY COMPLAINTS OR CONCERNS REGARDING THE CONTENT OF THIS WEBSITE, BREACH OF THESE TERMS OF USE, INTELLECTUAL PROPERTY ISSUES, CUSTOMER GRIEVANCES, OR REGULATORY QUERIES SHALL BE COMMUNICATED IN WRITING OR THROUGH THE DESIGNATED SUPPORT CHANNELS BELOW:
Support Email: support@secureemi.com
Support Phone: +91-7986067549
Sales Email: sales@secureemi.com
These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Ludhiana, Punjab.
For detailed privacy policies, refer to Secure EMI Privacy Policy.
Secure EMI’s Payment Gateway enables merchants to accept payments securely through multiple payment methods, including UPI, net banking and debit/credit cards.
Schedule I - Part B: SubscriptionsSecure EMI’s Subscriptions product allows merchants to create and manage automated recurring payment plans for their customers, with flexible billing cycles and alerts.
Schedule I - Part C: Payment LinksSecure EMI’s Payment Links enables merchants to generate secure payment links and share them via SMS, email, WhatsApp, and social media for seamless transactions.
Schedule I - Part D: Payment PagesSecure EMI’s Payment Pages provides merchants with a customizable online payment page to collect payments directly from customers without requiring website development.
By using Secure EMI, you acknowledge that you have read, understood, and accepted these Terms of Use, including our policies on privacy, grievance redressal, and prohibited activities.
These Terms of Use are effective as of 1st April 2025 and shall continue to apply until modified or terminated by Secure EMI.
For any legal or compliance queries, please reach out to legal@secureemi.com.
By using Secure EMI, you acknowledge that you have read, understood, and agreed to these Terms of Use.
Scan to Download
Scan the QR code to download our app and take control of your EMI payments effortlessly. Enjoy seamless EMI management, automated payment collection, real-time tracking, and secure transactions with UPI & NACH integration. Experience a smarter, faster, and more secure way to manage your finances—all from your Android device.
