EMI Policy

Welcome to HealthEasy EMI ("Platform", "HealthEasy EMI", "we", "our", or "us").

These Terms and Conditions govern your access to and use of the website, applications, services, products, and related features offered through HealthEasy EMI.

By accessing, browsing, registering on, or using the Platform, you agree to be legally bound by these Terms.

If you do not agree to these Terms, you should discontinue use of the Platform immediately.

HealthEasy EMI acts solely as a technology-enabled Lending Service Provider ("LSP") facilitating access to healthcare financing products offered by RBI-regulated Banks and Non-Banking Financial Companies (NBFCs).

HealthEasy EMI:

• Is not a lender.
• Does not provide loans.
• Does not make credit decisions.
• Does not guarantee loan approval.
• Does not determine interest rates or repayment terms.

All lending decisions are made exclusively by the respective lender.

You must:

• Be at least 18 years old.
• Be legally competent to contract under Indian law.
• Possess valid identification and KYC documents.
• Provide accurate and complete information.
• Meet the eligibility criteria of the lender.

The Platform may facilitate:

• Medical treatment financing.
• Hospital bill financing.
• Surgery financing.
• Diagnostic and healthcare financing.

Loan application submission.

Document collection and verification.

Communication between borrowers, hospitals, and lenders.

Submission of an application does not guarantee approval.

Loan approval depends on:

• Creditworthiness.
• KYC verification.
• Income assessment.
• Lender policies.
• Regulatory requirements.
• The lender may reject any application without assigning reasons.

Before loan execution, users shall receive a Key Fact Statement from the lender containing:

Loan amount.

APR.

Interest rate.

Processing fees.

Repayment schedule.

Penal charges.

Cooling-off period.

Grievance details.

Users should carefully review the KFS before accepting a loan offer.

You agree that:

All information provided is true and accurate.

Submitted documents are authentic.

You will not misuse the Platform.

You will not engage in fraud or identity misrepresentation.

Any violation may result in suspension or legal action.

You consent to receive:

• Emails.
• SMS.
• Phone calls.
• WhatsApp messages.
• Push notifications.

These communications may relate to:

Loan applications.

Verification.

EMI reminders.

Service updates.

Regulatory notices.

All content including:

• Trademarks.
• Logos.
• Graphics.
• Website design.
• Software.
• are the property of HealthEasy EMI or its licensors.
• Unauthorized use is prohibited.

The Platform may contain links to:

• Hospitals.
• Payment gateways.
• Lenders.
• Verification providers.
• HealthEasy EMI is not responsible for third-party services or content.

HealthEasy EMI shall not be liable for:

Loan rejection.

Lender decisions.

Treatment outcomes.

Hospital services.

Data inaccuracies provided by users.

Technical interruptions beyond reasonable control.

We reserve the right to suspend or terminate access where:

• Fraud is suspected.
• False information is provided.
• Regulatory requirements demand action.

These Terms are violated.

Users may contact:

• Grievance Officer
• Email: healtheasyemi@gmail.com
• Phone: +91 8855919195

Address: Office no. 23, 3rd Floor, Aston Plaza, Narhe Ambegaon Rd, above Star Bazaar, Ambegaon Budruk, Pune, Maharashtra 411046

These Terms shall be governed by the laws of India.

Any disputes shall be subject to the exclusive jurisdiction of courts located in Pune, Maharashtra, India.

We may modify these Terms at any time.

Updated versions will be posted on the Platform and become effective immediately upon publication.