Terms & Conditions.

1. About these terms

These Terms & Conditions ("Terms") form an agreement between you and A.T.N. Leasing & Finance Ltd. ("ATN", "we", "us" or "our"), a Non-Banking Financial Company registered with the Reserve Bank of India (Registration No. B-14.01797, CIN U74899DL1994PLC059269), with its registered office at 2nd Floor, Plot No. 7, Block 2, WHS, Kirti Nagar, New Delhi 110015.

They apply to your use of this website and any related digital channel (together, the "Platform") and to the services we offer through it (the "Services"). By using the Platform or applying for a loan, you confirm that you have read, understood and accepted these Terms and our Privacy Policy. If you do not agree, please do not use the Platform.

These Terms are an electronic record under the Information Technology Act, 2000 and the rules made under it, and do not require a physical or digital signature. Each loan is also governed by its own loan agreement and Key Fact Statement; if there is any conflict, the loan agreement prevails for that loan.

2. Eligibility

To use the Services you must:

• be a resident of India and at least 21 years old (and not more than 56 years old at the time of applying for a loan);
• be legally able to enter into a binding contract under the Indian Contract Act, 1872;
• be in salaried employment with a net monthly salary of ₹30,000 or more credited to a bank account in your name; and
• provide accurate, complete and current information.

Meeting these criteria does not guarantee a loan. Every application is assessed under our credit policy, and we may decline an application at our discretion.

3. Your account and information

You are responsible for the information you provide and for keeping your login credentials, OTPs and devices secure. Tell us immediately at info@atn-leasing-finance.com if you suspect any unauthorised use of your account.

You authorise us to verify the information you provide, including through KYC checks (such as DigiLocker, Aadhaar-based e-KYC or video KYC), credit bureaus, your employer and, with your consent, Account Aggregator services. You must inform us promptly of any change in your employment, address, mobile number, email or bank account.

4. Loans and charges

Loans are offered for amounts from ₹5,000 to ₹2,00,000 and tenures from 1 to 12 months, at interest rates of 18% to 42% per annum depending on your risk profile. A processing fee of 10% of the loan amount plus GST is deducted at disbursal. All applicable charges are listed in our Schedule of Charges.

Before you accept a loan, we give you a Key Fact Statement showing the loan amount, interest rate, all fees and charges, the Annual Percentage Rate (APR), the repayment schedule and the cooling-off period. No fee or charge that is not disclosed in the Key Fact Statement will be charged.

Loans are disbursed only to a bank account in your name, and repayments are collected only into ATN's own bank account, through e-NACH or the payment options shown on the Platform.

5. Cooling-off period

After a loan is disbursed you may cancel it within the cooling-off period stated in your Key Fact Statement ([X] days) by repaying the principal and the proportionate interest for the days you used the money, without any penalty. Write to info@atn-leasing-finance.com to exercise this option.

6. Repayment and default

You must repay each instalment in full on its due date. You may prepay or close your loan at any time without foreclosure or part-payment charges.

If a payment is missed, late payment charges apply as per the Schedule of Charges, and the delay is reported to credit information companies, which may affect your credit score. We, or recovery agents we appoint, may contact you to recover overdue amounts. All recovery is carried out in line with our Fair Practice Code and RBI guidelines: we will not harass or intimidate you, will contact you only at reasonable hours, and will share the details of any recovery agent with you in advance.

7. Communications

By using the Services, you consent to receive messages from us by SMS, email, WhatsApp, phone call and in-app or browser notifications about your application, loan, repayments and account. This consent overrides any registration under the National Customer Preference Register (DND) for these service messages.

You may opt out of promotional messages at any time by writing to info@atn-leasing-finance.com. Service and regulatory messages about an active loan cannot be switched off.

8. Acceptable use

You agree not to:

• provide false, misleading or someone else's information or documents;
• use the Platform for any unlawful, fraudulent or abusive purpose;
• attempt to gain unauthorised access to the Platform, other users' data or our systems, or interfere with their working;
• copy, scrape, reverse-engineer or resell any part of the Platform; or
• upload any virus or harmful code.

We may suspend or close your access if we reasonably believe you have breached these Terms.

9. Intellectual property

The Platform and its content, including text, design, graphics, logos and software, belong to ATN or its licensors and are protected by law. You may use the Platform only for your personal use in connection with the Services. The names "A.T.N." and "A.T.N. Leasing & Finance" and related marks may not be used without our written permission.

If you believe any content on the Platform infringes your intellectual property, please write to info@atn-leasing-finance.com with details and we will look into it promptly.

10. Disclaimers

We work to keep the Platform accurate, secure and available, but it is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted or error-free access. Tools such as the EMI calculator are for illustration only; your actual terms are those in your Key Fact Statement and loan agreement.

Nothing on the Platform is financial, legal or tax advice. Please consider your own circumstances before borrowing.

11. Limitation of liability

To the extent permitted by law, ATN is not liable for any indirect, incidental or consequential loss arising from your use of, or inability to use, the Platform, including losses caused by technical failures, delays in third-party payment systems or events beyond our reasonable control. Nothing in these Terms limits any liability that cannot be limited under applicable law.

12. Indemnity

You agree to compensate ATN for any loss, claim or expense (including reasonable legal fees) that arises from your breach of these Terms, your misuse of the Platform or your violation of any law or third-party right.

13. Links to other websites

The Platform may link to third-party websites or services, such as payment gateways, DigiLocker or Account Aggregators. Those services have their own terms and privacy policies, and ATN is not responsible for their content or practices.

14. Changes to these terms

We may update these Terms from time to time. The updated version will be posted on this page with a new "Last updated" date. Material changes affecting an active loan will be communicated to you in advance. Continuing to use the Platform after changes are posted means you accept them.

15. Governing law and disputes

These Terms are governed by the laws of India. Subject to your right to approach the RBI Ombudsman, the courts at New Delhi have exclusive jurisdiction over any dispute arising from them.

We encourage you to raise any concern with us first. See our Grievance Redressal page for how to complain and how to escalate.

16. Contact

For any questions about these Terms, write to info@atn-leasing-finance.com or to A.T.N. Leasing & Finance Ltd., 2nd Floor, Plot No. 7, Block 2, WHS, Kirti Nagar, New Delhi 110015.