Welcome to Sunny Rupee, a digital lending platform. The platform enables users to explore a variety of financial products, including personal loans, business loans and other specialized financing solutions. Sunny Rupee also provides technology-driven services that support instalment-based purchases, customer onboarding, credit origination and other associated processes for its partnered financial institutions (“Financiers”).
As a Lending Service Provider (LSP), Sunny Rupee carries out outsourcing functions for its Financiers, which may include customer acquisition, assessment, monitoring, and loan collection activities, as permitted under the respective service agreements. The platform’s objective is to offer a fast, convenient and technology-enabled credit experience to customers across India.
By choosing to access or use Sunny Rupee, you acknowledge that you have read, understood and accepted these Terms of Use (“ToU”) as well as the associated Privacy Policy. Your continued use of the platform implies your agreement to comply with all conditions, notices and obligations stated herein. Sunny Rupee may revise or update these terms at any time, without prior notice.
You confirm that you have reviewed and accepted the applicable charges, fees, commissions and the key fact statement provided by the Financier. Taxes, including GST, may be levied as applicable.
Sunny Rupee and its representatives will not offer gifts, discounts or benefits beyond what is expressly stated in the product information.
Applications that are incomplete, incorrect or illegible may not be processed. Any delay arising from such issues will be solely the customer’s responsibility.
Submitting an application does not ensure approval. The Financier may approve, reduce or reject the loan request at its absolute discretion.
The Financier may share your information—including personal details, loan data, repayment behaviour, defaults or security details—with authorised agencies such as credit bureaus, regulators, financial institutions, affiliates, rating agencies or service partners for verification, credit assessment or related purposes. Such information may also be used for risk evaluation or monitoring.
The Financier may retain your application form, documents or photographs regardless of the decision taken on the loan.
In case of overdue payments, applicable penal charges may be imposed in addition to any other rights the Financier may exercise. Additional documents may be required to complete ongoing assessment.
You affirm that all information provided is genuine, accurate and complete.
You agree to use the loan amount strictly for the stated purpose and not for speculative, illegal or restricted activities.
You confirm that you are not a Politically Exposed Person (PEP). Should your status change, you must promptly inform the Financier. Additional due-diligence procedures may apply to PEP accounts.
You authorize the Financier to share your application data and supporting documents with its affiliates, partners, credit bureaus, service providers or regulatory bodies for verification and risk assessment.
You acknowledge that you have read and understood all conditions related to the loan.
You confirm that you are an Indian citizen.
Sunny Rupee is not responsible for delivery timelines or the quality of any product purchased using the loan.
You agree that, in the event of loan cancellation, any applicable annualized charges on the outstanding amount must still be borne by you. Processing fees are non-refundable except during an applicable cooling-off period.
Any digital or electronic sanction letter received is preliminary and subject to final approval upon submission of all required documents.
Loan documents such as the welcome letter, key fact statement and repayment details will be sent to your registered mobile or email, or made accessible through the Sunny Rupee mobile application.
If any clarification is required regarding statements or records, you must notify the Financier; however, you may not delay or withhold payment obligations under any circumstance.
You agree to repay all dues through NACH mandates, bank transfers or other modes accepted by the Financier. You must ensure adequate balance is available in the account linked to the repayment mandate.
You will not close, alter or instruct your bank to block the repayment mandate without settling all outstanding amounts.
You authorize the Financier to access your credit score or obtain credit information from approved bureaus.
You consent to receiving calls, SMS notifications or promotional communications regarding loan offers, irrespective of any Do-Not-Disturb registration.
In case of conflict between these terms and specific loan documents, the loan documents shall prevail.
You must maintain complete confidentiality of your login credentials and prevent unauthorized access.
Sunny Rupee does not guarantee uninterrupted availability, accuracy, reliability or suitability of any content or services offered on the platform.
Any downloaded, printed or copied material is at your own risk; Sunny Rupee is not liable for altered or corrupted content.
Sunny Rupee shall not be responsible for loss, damage or failure arising from system issues, delays, service interruptions or inaccuracies.
Services may be suspended without prior notice if security concerns arise or as deemed necessary by Sunny Rupee.
Sunny Rupee may revise, remove or reorganize any part of the platform, including its design, content or functionality, without prior notice. Users are responsible for keeping themselves updated with any changes.
Although reasonable efforts are taken to ensure accuracy of information, Sunny Rupee does not guarantee completeness or correctness of any data.
If Sunny Rupee suspects or identifies misuse or violation of these terms, it may take actions such as:
Issuing warnings
Temporarily or permanently restricting access
Blocking access based on device or IP
Requesting service providers to block access
Initiating legal proceedings for recovery or damages
Suspending or deleting your account
You agree to indemnify Sunny Rupee and its affiliates against any claims arising from your misuse of the platform.
Links to external sites may be available for user convenience. Sunny Rupee does not endorse, control or take responsibility for the content, policies or services of such third-party sites.
All activities, terms and services provided under Sunny Rupee shall be governed by the laws of India. These terms constitute an electronic record under the Information Technology Act, 2000.
Sunny Rupee, its affiliates, directors or employees shall not be liable for any loss, damage or expense—direct or indirect—arising from:
Use of the platform
Inaccuracy or unavailability of services
Technical errors, delays, interruptions or system failures
Viruses or harmful components
Reliance on any data or statement displayed on the platform
You may contact Sunny Rupee’s customer support for discrepancies in records or statements.