Terms & Conditions

Last Updated on 14 October 2016

This service is provided by https://www.anyemi.com or anyemi.com to help financiers / lenders to collect EMIs online, and borrowers / customers to pay EMIs online. To receive the Service (including access to this Website), you must first accept the following terms and conditions (the “Terms of Use”) and the terms of our Privacy Policy.

1.The Service We Provide:

The following elements of the Service are available to users:

a) Website Access:

Please note that only one username and password should be created per user. Username is the email_id/mobile number provided by the user. We reserve the right to verify this information before enabling an account. The account can be rejected or disabled for any reason that anyemi.com finds suitable and which it is not liable to state or justify.

You are responsible for maintaining the confidentiality of your password and account, and are fully responsible for any activities that occur under your password or account, with or without your knowledge. If you knowingly give your login and password information to another person, we may suspend or terminate your account, in addition to any other remedies available to us. You must immediately notify us if you become aware of any unauthorized use of your password or account or any other breach of security. We cannot be liable for any loss or damage arising from your failure to comply with this paragraph.

b) Registration Information:

When you submit your data to register, we will require you to provide your name, e-mail address, contact number and a password of your choosing. As mentioned above, your e-mail address/contact number will be used as your username for login purposes.

Any registration information you provide must be true, accurate, current and complete. We would be displaying this information on the website for other users to access

c) Profile Information:

Your anyemi.com profile may not include any of the following content: telephone numbers (except where asked), any photographs containing nudity, profanity, or obscene, lewd, excessively violent, harassing, sexually explicit or otherwise objectionable subject matter. Despite this prohibition, it is possible that information provided by other anyemi.com users (for instance, in their Profile) may contain inaccurate, inappropriate, offensive or sexually explicit material, products or services in violation of these Terms of Use. anyemi.com does not assume any responsibility or liability for this material. We encourage you, however, to help us keep the website clean by contacting us if you notice any misuse of the Service.

d) E-mail Updates:

As part of the Service, we may need to communicate with you via e-mail (see our Privacy Policy. to learn more about communications). You agree to receive e-mails which are specific to your account and necessary for the normal functioning of the Service, including one or more welcome e-mails which help inform new users about various features of the Service.

We may also send users occasional e-mail bulletins unless such users have opted not to receive these e-mails. You can anytime opt-out of these emails by sending a mail to info@anyemi.com

2.Your Information:

a) Privacy Policy:

Our use of your information is subject to the terms of our Privacy Policy. You must agree to the Privacy Policy before you may access the Website.

b) Your Registration Information:

To provide you with access to the Website, we will require you to provide the name and contact information described above, and may also request that you update or verify this information from time to time. By using the Website, you agree to provide accurate information, and to cooperate with any anyemi.com personnel

c) Grant of Rights to anyemi.com:

We take the privacy of our users very seriously. However, anyemi.com will have a right to use the information to provide personalized advertisements and offers and to include that information in compilations developed by anyemi.com

I, as a User of the services offered through the web portal anyemi.com, do herby expressly authorize anyemi.com and any of their business associates to call/ SMS my registered phone numbers (as provided by me to anyemi.com). I hereby expressly state that such authorization shall override the national Do-Not-Disturb Registry (DND), even if the phone numbers in question are registered under DND list of national Consumer preference registry (NCPR/NDNC).

I also undertake that I will not make any complaints to NDNC for any calls received from anyemi.com services/ products, and shall indemnify anyemi.com and any of its business associates for having engaged in any such practice.

I realize, acknowledge and expressly authorize anyemi.com to make the initial communication (via Call / SMS / E-mail/WhatsApp) for the purposes of confirmation of my credentials provided by me. I hereby authorize anyemi.com and its business associates to continue contacting me via any of the modes of communication listed above, till such time as I expressly opt-out / unsubscribe from the service offered by anyemi.com. Till such time, anyemi.com and its business associates shall have all rights to continue communicating with me and I shall completely indemnify them against any liability that may arise as a result of such authorization to communicate. Such indemnification shall extend to court cases and suits and all lawyer / advocate fees, even if the dispute is never subjected to judicial scrutiny.

d) Prohibited Conduct:

You represent and warrant that you shall not do any of the following via the Website or otherwise in connection with the Service:

(i) attempt or help anyone else attempt to gain unauthorized access to the anyemi.com Service or its related systems or networks (including without limitation the impersonation of another user or other use of a false identity or address to gain access to the Website);

(ii) use the Website to violate the intellectual property rights of any person (including without limitation posting pirated music or computer programs or links to such material on Website or in your Profile);

(iii) send spam or otherwise duplicative or unsolicited messages in violation of applicable laws;

(iv) send or store infringing, obscene, threatening, libellous, or otherwise unlawful material, including material harmful to children or violation of third party privacy rights;

(v) send or store material containing software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents or programs;

(vi) interfere with or disrupt the integrity or performance of the Service or the data contained therein;

(vii) license, sublicense, sell, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party the Service or any content contained in or made available through the Service (the “Content”) in any way;

(viii) modify or make derivative works based upon the Service or the Content;

(ix) create Internet “links” to the Website or “frame” or “mirror” any Content on any other server or wireless or Internet-based device; or

(x) reverse engineer or access the Service in order to (a) build a product competitive with the Service, (b) build a product using ideas, features, functions or graphics similar to those of the Service, or (c) copy any ideas, features, functions or graphics contained in the Service.

e) Rights of anyemi.com:

anyemi.com shall have the right to immediately suspend or terminate your access to the Service for any actual or suspected violation of these Terms of Use. anyemi.com shall also have the right to itself use or release to third parties (including law enforcement) personally identifiable information regarding any person or entity who is suspected of having used this Website or any other component of the Service for any fraudulent purposes, for harassment, or for having otherwise violated any law, rule or regulation or the rights of third parties or having engaged in any conduct which anyemi.com deems improper. By using the Service, you are agreeing to our use or release of any information you provide in any manner we deem appropriate or necessary if you are suspected of having engaged in any conduct which we deem improper. anyemi.com shall also have the right to terminate, disable or reject creation of your account for any reason it may find appropriate and is not liable to justify or clarify the reason.

f) How You Can Help:

Please notify anyemi.com immediately of any unauthorized use of your password or account, or if you suspect that there has been any other misconduct described above, by e-mailing us at info@anyemi.com.

g) Termination of Access:

Your access to the Service will terminate, if you violate any of the terms of Use or for any other reason anyemi.com may find appropriate and it is not liable to justify or clarify the reason. And, you will no longer be eligible to use the Website as described in this Section 1.


1. anyemi.com Property:

As between the parties, anyemi.com shall own and retain all right, title and interest in and to the Service, the Website, and any technology or content contained in or made available through the Service (other than your own name and contact information), and shall also own any suggestions, ideas, enhancement requests, feedback, recommendations or other information that you may provide relating to the anyemi.com Service. The anyemi.com name and logo are trademarks of anyemi.com, and no right or license is granted to use them. Other trademarks and trade names that may appear on the Website are the property of their respective owners.

2. Your Data:

You, not anyemi.com, shall have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness, and intellectual property ownership or right to use of any information you submit via the Website, and anyemi.com shall not be responsible or liable for the deletion, correction, destruction, damage, loss or failure to store any such information. anyemi.com reserves the right to withhold access to, remove and/or discard your information from the Website or terminate your account without notice for any breach of these Terms of Use or any other reason that anyemi.com may find appropriate. In the event that your account it terminated, your ability to access or use data through the Service shall immediately cease, and anyemi.com shall have no obligation to maintain or forward any data that you have submitted.

3. Warranties & Disclaimers:

THE SERVICE (INCLUDING WITHOUT LIMITATION THE SITE, AND ANY TOOLS OR DATA INCLUDED THEREIN) IS PROVIDED “AS IS” AND ANYEMI.COM DOES NOT PROVIDE ANY WARRANTY WHATSOEVER WITH RESPECT TO THE PERFORMANCE OF THE ANYEMI.COM SERVICE, INCLUDING ITS SAFETY, QUALITY, EFFECTIVENESS, COMMERCIAL VIABILITY OR MERCHANTABILITY. YOU ASSUME ALL RESPONSIBILITY AND LIABILITY IN THIS REGARD. In no event shall anyemi.com be liable for any damage whatsoever arising out of the use of or inability to use the anyemi.com Service, even if anyemi.com has been advised of the possibility of such damages. anyemi.com does not take any responsibility for any damage happening due to any interaction between its users happening directly or indirectly through anyemi.com.

4. Limitation of Liability:

In no event shall anyemi.com be liable to any person for any incidental, consequential, special, indirect or punitive damages (including without limitation lost profits) relating to the Service or otherwise relating to these Terms of Use (whether for breach of contract, tort, or negligence) or its termination and irrespective of whether anyemi.com has been advised of the possibility of any such loss or damage. The limitations contained in this section shall survive any failure of an exclusive or limited remedy.

5. Indemnification:

You hereby agree to indemnify, defend and hold anyemi.com, and our officers, directors, employees and agents (collectively, the “Indemnitee”) harmless from and against any and all losses, costs, expenses (including reasonable outside attorney's fees), claims, suits and liabilities by third parties (collectively, “Claims”) that the Indemnitee may suffer or incur, that arise, result from, or relate in any way to (i) your infringement of any intellectual property or other rights of a third party; (ii) your violation of any laws or regulation of any governmental, regulatory or judicial authority arising from your use of the Service; (iii) your violation of these Terms of Service, or (iv) your actual or alleged gross negligence or wilful misconduct in connection with your use of the Service.

6. Governing Law & Jurisdiction:

These Terms of Use shall be governed by Indian law, without regard to the choice or conflicts of law provisions of any jurisdiction. Any disputes, actions, claims or causes of action arising out of or in connection with the Service shall be subject to, and you hereby consent to, the exclusive jurisdiction of the state courts located in Visakhapatnam, Andhra Pradesh.

7. Waiver and Severability:

No failure or delay on the part of either party in exercising any right or remedy hereunder will operate as a waiver thereof or any other provision. In the event that any provision of these Terms of Use is determined by a court of competent jurisdiction to be unenforceable or invalid, such unenforceability or invalidity will not render these Terms of Use unenforceable or invalid as a whole, and the unenforceable provision shall be construed, as nearly as possible, to reflect the intentions of the invalid or unenforceable provision.

8. Changes to the Service:

anyemi.com reserves the right to redesign or modify the organization, structure, features, pricing, or “look and feel” of the Service and any portion thereof at any time without prior notice or liability hereunder.

9. Modification to Terms:

anyemi.com reserves the right to modify the provisions of these Terms of Use at any time by posting an updated version of this document on the Website, provided, however, that no such modification shall have retroactive effect. Except as provided in this paragraph or otherwise provided in the Terms of Use, no modification of or amendment to the Terms of Use, and no waiver of any rights hereunder, will be effective unless in writing signed by the party to be charged.

10. Transfer Prohibited:

Your anyemi.com account is personal to you, and you may not assign or transfer your anyemi.com account or any of your rights under these Terms of Use to any third party without our prior written consent, which may withhold for any reason or for no reason. Any attempted assignment or transfer in violation of the foregoing shall be deemed a material breach of the Terms of Use.

How to Contact Us:

If you have any questions about this agreement, the practices of anyemi.com, or your experience with the Service, you can e-mail us at info@anyemi.com.