• Membership card fees are refundable only as per the company’s refund policy.

• The membership card is not a credit, debit, or ATM card; it is exclusively for availing financial consultancy services.

• The card may be used by either the cardholder or a designated representative.

• If a loan is approved but declined by the customer, the card fee is non-refundable.

• The decision of our verification team on loan applications is final.

(For the full list of terms and conditions, please refer to the detailed documentation on our website.)