Terms & Conditions

1. About Kapex Finance and Our Services

Kapex Finance is operated by RS Enterprises, a business entity registered at Badabazar, Sambalpur, Odisha – 768003. We operate as a digital loan facilitation platform ("Platform") that provides the following services to Micro, Small, and Medium Enterprises (MSMEs):

• Facilitating connections between MSME applicants and a network of registered lending partners (NBFCs and banks)
• Assisting MSME applicants in preparing and submitting loan applications
• Presenting applicants with multiple loan offers from different lenders for comparison
• Providing educational content and tools (such as EMI calculators) related to MSME business financing

2. Eligibility to Use Our Services

By using our Platform and submitting a loan application, you confirm that:

• You are at least 18 years of age
• You are a proprietor, partner, director, or authorised representative of a registered business entity in India
• The business on whose behalf you are applying is legally registered and operating in India
• All information you provide is true, accurate, and complete to the best of your knowledge
• You have the authority to submit financial and business information on behalf of the business
• You understand that submitting false information may result in legal liability

3. Loan Facilitation — What We Do and Do Not Do

3.1 What Kapex Finance Does

• Collects your application information through our website form
• Assesses your profile against our lender network's criteria
• Shares your application with suitable partner lenders with your explicit consent
• Communicates loan offers and terms from lenders to you
• Assists you through the documentation and process steps
• Provides guidance and support throughout the loan journey

3.2 What Kapex Finance Does Not Do

• Does not guarantee loan approval — approval decisions rest solely with partner lenders
• Does not guarantee specific interest rates or loan terms
• Does not collect loan repayments — these are made directly to the lender
• Does not hold or manage your loan funds at any point
• Does not provide financial advice or tax advice

4. Application and Consent

By submitting our online application form, you expressly:

1. Authorise Kapex Finance to collect, store, and process your personal and business information as described in our Privacy Policy
2. Consent to Kapex Finance sharing your application details with partner lenders and credit bureaus as necessary
3. Authorise Kapex Finance and its partner lenders to contact you via phone calls, SMS, WhatsApp, and email regarding your application and loan offers
4. Acknowledge that such contact may override your DND (Do Not Disturb) or NDNC registration
5. Confirm that all information provided is accurate and consent to verification of the same

5. Your Responsibilities as an Applicant

You agree to:

• Accuracy: Provide truthful, accurate, and complete information at all stages of the application. Knowingly providing false information is a serious offence and may result in legal action.
• Documents: Submit all required documents as requested by Kapex Finance or the partner lender in a timely manner.
• Updates: Promptly inform us of any material changes in your business situation, financial position, or the information provided.
• Loan Use: Use approved loan funds only for the stated business purpose and in accordance with the terms agreed with the lender.
• Repayment: Honour all repayment obligations to the lender as per the loan agreement. Kapex Finance is not responsible for any consequences arising from default.
• Compliance: Comply with all applicable laws and regulations in the conduct of your business.

6. Interest Rates and Charges

Kapex Finance does not set interest rates, processing fees, or other loan charges. All such costs are determined by individual partner lenders and will be clearly communicated to you before you accept any loan offer.

Typical indicative rates in our lender network range from 10% to 24% per annum. Actual rates depend on your business profile, loan amount, tenure, and the lender's assessment. These figures are indicative only and should not be treated as guaranteed offers.

You should carefully review all terms, including interest rates, processing fees, prepayment charges, and other costs, before accepting any loan offer.

7. EMI Calculator — Disclaimer

The EMI calculator available on our website is provided for general informational and illustrative purposes only. The calculations are based on the inputs you provide and standard mathematical formulas.

Calculator results are approximate estimates only and do not represent actual loan offers or guaranteed terms. Actual EMI amounts will be determined by the specific lender based on their approved terms and may differ from calculator results.

8. Intellectual Property

All content on the Kapex Finance website — including text, graphics, logos, icons, images, design elements, and the compilation thereof — is the property of RS Enterprises and is protected under applicable intellectual property laws.

You may not reproduce, distribute, modify, or commercially exploit any content from our website without prior written consent. Personal, non-commercial use for reference purposes is permitted.

9. Limitation of Liability

To the maximum extent permitted by applicable law:

• Kapex Finance's liability in connection with these Terms shall not exceed the facilitation fee received in connection with your specific loan application, if any.
• We are not liable for any loss or damage arising from a lender's decision to decline your application, offer less than requested, or impose terms you find unfavourable.
• We are not liable for any loss arising from technical failures, interruptions, or errors on our website.
• We are not liable for the conduct, actions, or defaults of partner lenders once your application has been shared with them.
• We are not liable for indirect, consequential, or punitive damages of any kind.

10. Partner Lender Relationships

Once your application is shared with a partner lender and you accept their loan offer, a direct contractual relationship is formed between you and that lender. The lender's own terms and conditions, loan agreement, and privacy policy will govern that relationship.

Kapex Finance acts as an intermediary only and is not a party to the loan agreement between you and the lender. All disputes regarding the loan, repayment, charges, or terms must be resolved directly with the respective lender.

11. Prohibited Activities

You agree not to use our Platform to:

• Submit false, misleading, or fraudulent applications or documents
• Impersonate any person or misrepresent your authority to act on behalf of a business
• Engage in any activity that could damage, disable, or impair the functioning of our website
• Attempt to gain unauthorised access to any part of our systems
• Use our services for any unlawful purpose

We reserve the right to reject applications, suspend access, or take appropriate legal action in case of prohibited activities.

12. Privacy

Your use of our Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our data collection, use, and protection practices.

13. Changes to Terms

Kapex Finance reserves the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of our services after such changes constitutes acceptance of the updated Terms.

We encourage you to review these Terms periodically.

14. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of competent courts located in Sambalpur, Odisha.

In the event of a dispute, both parties agree to first attempt resolution through good-faith negotiation before initiating legal proceedings.

15. Contact Us

For any questions, concerns, or grievances regarding these Terms, please contact:

16. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.