Welcome to 100daysfinance. By accessing or using our services, you agree to comply with and be bound by these Terms and Conditions. These Terms constitute a legal agreement between you (the "Borrower" or "User") and Pawansut Holdings Limited("Company," "we," "our," or "us"). If you do not agree to these Terms, please refrain from using our services.

1. Definitions

In these Terms, unless the context requires otherwise:

• "Borrower" refers to any individual, small vendor, or SME applying for a loan.
• "Loan" refers to the financial product offered by the Company, including principal, interest, and any applicable fees.
• "Repayment Schedule" refers to the agreed timeline for loan repayment.
• "Collateral" refers to any asset pledged by the Borrower to secure the loan, if applicable.
• "Default" refers to the failure of the Borrower to repay the loan as per the agreed terms.

2. Eligibility Criteria

To apply for a loan, you must:

• Be a citizen or a legal resident of India with a valid PAN and Aadhaar card.
• Be at least 21 years old and not older than 60 years at the time of loan maturity.
• Own or operate a registered small business or SME with a valid business registration certificate.
• Maintain an active bank account in the name of the business.
• Provide proof of income and business activity for the past 12 months.

3. Loan Terms

• Loan Amount: ₹50,000 to ₹5,00,000.
• Tenure: Fixed at 100 days.
• Interest Rate: Determined based on creditworthiness, business performance, and prevailing market conditions.
• Processing Fee: A non-refundable processing fee will be deducted from the loan amount at the time of disbursement.
• Prepayment: Borrowers may prepay the loan in full or in part before the due date, subject to applicable prepayment charges.

4. Loan Application Process

• Online Application: Submit your loan application through 100daysfinance by providing accurate and up-to-date information.
• Document Submission: Upload the required documents, including:
  • PAN Card and Aadhaar Card (for identity verification).
  • Business registration certificate or GST registration.
  • Last 6 months' bank statements.
  • Proof of business address.
• Credit Assessment: We will assess your creditworthiness based on your financial history, business performance, and other relevant factors.
• Approval & Agreement: Upon approval, you will receive the loan agreement for acceptance.

5. Repayment and Default

Loan repayments must be made as per the agreed repayment schedule. Failure to repay may result in:

• Late payment fees.
• Reporting to credit bureaus, affecting your credit score.
• Legal action to recover outstanding amounts.

6. Data Privacy and Security

We take your privacy seriously. Your personal and financial information will be securely handled and used solely for loan processing and communication purposes, in compliance with data protection laws.

7. Amendments to Terms

We reserve the right to modify or update these Terms and Conditions at any time. Updated terms will be posted on the website. It is your responsibility to stay informed.

8. Fees and Charges

The following fees and charges may apply:

• Processing Fee: As per the loan agreement.
• Prepayment Charges: No prepayment charges.
• Late Payment Penalty: Penal interest will be charged as per policy.
• Legal and Recovery Charges: As applicable in case of default.

9. Borrower’s Obligations

The Borrower agrees to:

• Use the loan amount strictly for business purposes as declared during the application process.
• Provide accurate and truthful information during the application and throughout the loan tenure.
• Notify the Company of any significant changes in business operations, financial status, or contact information.

10. Privacy and Data Security

We are committed to safeguarding your personal and business information. Please review our Privacy Policy for details on data collection, usage, and storage.

11. Limitation of Liability

The Company shall not be liable for:

• Any indirect, incidental, or consequential damages arising from the use of our services.
• Losses resulting from delays in loan processing or disbursement due to factors beyond our control.
• Decisions made based on inaccurate or incomplete information provided by the Borrower.

12. Termination of Services

The Company reserves the right to terminate or suspend your access to our services at any time without prior notice if:

• You violate these Terms.
• You provide false or misleading information.
• You engage in fraudulent or unlawful activities.

13. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in New Delhi.

14. Contact Us

For any inquiries, assistance, or complaints, please contact us:

• Nodal Officer: S-370, Panchsheel Park, New Delhi, 110017.
• Email: info@100daysfinance.com
• Phone: 9999999341