Please read these terms and conditions carefully as these forms a legal agreement between Poonawalla Finance Private Limited (Formerly known as Adar Poonawalla Finvest Private Limited) (“Company”) and you. The Company is a non-banking financial company which would review, approve and disburse the loan requested by you under the AnyDay Salary application (“Loan”) as per the terms and conditions of the loan agreement to be entered into between you and the Company (“Loan Agreement”).

When you click on ‘I agree’ or download, install or use our services, you agree to accept the terms and conditions contained herein.


Through the ‘AnyDay Salary Application’, you may apply for the loan, subject to the fulfilment of the eligibility criteria laid down in the AnyDay Salary Application by the Company. You understand that the Company is authorised to collect, authenticate, verify and confirm the user data, Personal Information (as defined below), documents and details as may be required by the Company to sanction the loan.


During the application process, you shall be required to share and upload the user data on the on the mobile application of the Company(“App”) or on the web-based platform of the Company (“Website”) (hereinafter collectively referred to as the “Platform”)User data shall include personal information including but not limited to your name, e-mail address, gender, date of birth, mobile number, photograph, mobile phone information including contact numbers, sms, salary data and financial information such as bank documents, salary slips, bank statements, PAN card, bank account no., and other relevant details (“Personal Information”).

You agree that the Personal Information shall always be accurate, correct and complete. As part of the services, you authorize us to import your details and Personal Information to be verified from NSDL/UIDAI or equivalent KYC authorising institution. You understand and acknowledge that we may periodically request for updates on such Personal Information and we may receive such updated information from such platforms/institutions.


All transactions undertaken on your behalf by the Company will be based on your express consent and will be strictly on a non-discretionary basis. You also authorise the Company to get your credit information report from one or more Credit Information Companies as decided by the Company from time to time. Once you verify and upload the Personal Information and/or other documents relating thereto and any other details on the Platform, the Company shall be authorized to process the same.

As a part of the application process, you are required to fill and upload all the documents as may be required by the Company. Upon the completion of the document verification by the Company, the Loan may be sanctioned by the Company to you, subject to fulfilment of the eligibility criteria and other such conditions set forth by the Company for sanctioning of the Loan. The Company may collect physical documents including signatures on those documents, if required for sanctioning and processing the Loan.

The sanctioned loan shall be disbursed as per the mode provided in the Application and/or the Loan Agreement. You are required to repay the Outstanding balance as defined in the Loan Agreement to the Company on the respective due date(s) mentioned in the application form available on the Platform.


Poonawalla Finance Pvt. Ltd. is the technology partner to the Company (“Tech Partner”). The Platform shall be maintained by the Tech Partner as per its agreement with the Company.

Further the Company may also engage with other vendors and service providers to perform functions and provide services to the Company, such as technical infrastructure services, analysing usage of such services, providing analytics and measurement reports (which reports the Company may share with the Tech Partner and its other partners) providing customer service, facilitating payments or conducting surveys. We may share your private Personal Information with such service providers subject to obligations consistent with these Terms and Conditions and Privacy Policy and any other appropriate confidentiality and security measures, and on the condition that the third parties use your private personal data only on the Company’s behalf and pursuant to the Company’s instructions


You understand and acknowledge that you shall be solely responsible for all the activities that occur under your user account while availing the services. You undertake that the Company shall not be responsible and liable for any claims, damages, disputes arising out of use or misuse of the services. By usage of the services, you shall be solely responsible for maintaining the confidentiality of the user account and for all other related activities under your user account. The Company reserves the right to accept or reject your registration for the services without obligation of explanation.

You acknowledge that the content available on the Platform is being accepted by you after the terms on which this is being offered have been understood and accepted by you. You further acknowledge that you are solely responsible for the capability of the electronic devices and the internet connection, you chose to run on the Platform. The accessibility to the Platform may be subject to availability of hardware, software specifications, internet connection and other features and specifications, required from time to time. The Company expressly disclaims any responsibility for any loss, injury, liability or damage of any kind resulting from and arising out of your use of the Platform.


Although the Company has made the required efforts to ensure that the information provided on the Platform is reasonably accurate, however, the Company does not warrant its accuracy, completeness or suitability, correctness, adequacy, validity, whatsoever for any purpose. As such database provided is without any warranty, express or implied, as to their legal effect.

Use of any information on the Company’s Platform shall be at your own risk.

All information should be used in accordance with the applicable laws. The Company does not undertake any kind of liability whatsoever for the same.

In case of any transaction is not in agreement with your record or with the information that you have, you are requested to write to the Company on grievance.redressal@poonawallafinance.com

The Company expressly disclaims to the maximum limit permissible by law, all warranties, express or implied, including, but not limited to implied warranties of merchantability, fitness for a particular purpose and non-infringement.


You expressly agree that this Platform will not be used for committing any fraud, embezzlement, money laundering, or for any unlawful and/or illegal purposes. You will not reproduce, duplicate, copy, sell, resell or exploit any portion of the Platform. You will not post, upload, email, transmit any content that is unlawful, harmful, threatening, abusive, harassing, torturous, defamatory, vulgar, obscene, libellous, contains software viruses, destroy or limit functionality of any software, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable through the Platform. You will not use this platform to cause harm or injury to any third party or impersonate any person or entity, on the Platform

You further agree not to;

  • upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
  • upload, post, email, transmit or otherwise make available on the Platform, any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party; interfere with or disrupt the Platform or servers or networks connected to the Platform, or disobey any requirements, procedures, policies or regulations of networks connected to the Platform;

You expressly agree not to intentionally or unintentionally violate any applicable local, state, national or international laws and any regulations having the force of law.


It will be the sole responsibility of the user to ensure that the username and the password are kept confidential and not disclosed to any third party, including any representative or agent of the Company. The user shall take all possible care to prevent discovery of username or password by any person.

The Company makes no representations about the timelessness of the services contained on the Platform for any purpose whatsoever.

The Company shall not be responsible if any information/statement/page contained therein is printed/downloaded from the Company’s site and after printing/downloading complete/partial, text/information is altered/removed/obscured.

The Company, at no event, be liable/responsible for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including but not limited to damages for loss of use, data or profits, arising out of or in any way connected with the use of the Company’s Platform

The Company, at no event, be liable/responsible for any direct, indirect, punitive, incidental, special, consequential damages or any damages for the delay or inability to use the Company’s Platform , or failure to provide services or for any information, date, statement, certificate, software and any other services obtained through the Company’s Platform or otherwise arising out of the use of the Company’s Platform

Certain services, such as accounting information depends on continuous connection to the Company’s database. The Company makes no assurance, representation, promise whatsoever that such connectivity will always be available.

The Company reserves the right to suspend these services if in the Company’s opinion security of the site or of the data could be compromised.

The Company may also suspend services on the Platform for any customer at its sole discretion without assigning any reason whatsoever. In such an event, you shall contact the Company’s office for any clarification.