Please read these terms and conditions carefully as these forms a legal agreement between Poonawalla Credit Private Limited (previously known as Benison Finvest Private Limited) (hereinafter referred to as “Company” or “PCPL”) and you. The Company is a non-banking financial company which would review, approve and disburse the loan requested by you under the AnyDay Money 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 Money Application’, you may apply for the loan, subject to the fulfilment of the eligibility criteria laid down in the AnyDay Money 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 AnyDay Money (“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 number, 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 AnyDay Money 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.


PCPL also facilitates loans and advances and offers various types of loan credit facility to You through AFPL Platforms (“Loan”). You acknowledge that Your eligibility for the Loan including the terms and quantum of the Loan shall be at the sole discretion of PCPL.

To apply for a Loan offered to you by the AFPL Platform, You are required to accept the offer and fill in a loan application provided on that Platform. Depending upon the relevant credit checks and on completion of mandatory KYC procedures, You may be able to select your preferred Loan amount and EMI plan including its tenure. Further, you may be required to provide certain personal information including but not limited to your name, address, phone number, IP address, the loan amount, tenure and Equated Monthly Instalments (“EMI”) plan selected by You, the purpose of the loan, and such other information that may be required by PCPL.

You are responsible to ensure that your KYC details with PCPL are current and accurate at the time of applying for the Loan on the PCPL Platforms.

You understand and agree that the terms of Loan shall be governed by the specific loan agreements executed between You and that PCPL specifically.

You understand that a service fee may be charged for instant processing of the Loan and stamp duty charges, which will be specified to you in the loan application and deducted from the Loan amount. You are responsible to ensure that you understand all the terms in the loan agreement and carefully review the same including interest rate, EMI plan and other charges of the Loan prior to completing and submitting the application. Please ensure that you review and confirm all information in relation to the Loan, provided either by You or PCPL in the course of applying for the Loan. Please note that the final amounts of EMI, service fees and stamp duty as may be applicable, are determined by PCPL. On approval and completion of all procedure in relation to the Loan, you may credit the Loan amount into Your account. Further, You agree that PCPL may send you communications regarding the Loan including reminders to pay Your EMI through the PCPL Platform. Upon EMI due date, the EMI payment amount will be directly debited by PCPL from your account held with them. You are responsible for maintaining sufficient funds in your account, and for any penal consequences that result from the performance of the loan agreement or insufficiency of funds to meet the EMI requirements including the levy of interest as per the terms of the loan agreement executed by You with PCPL.

By availing of the Loan Facility Services on PCPL Platform, You expressly authorize the Platform to access, use and store Loan transaction information on an ongoing basis, on Your behalf for the purpose of providing you with services on the PCPL Platform.


AnyDay Fintech Private Limited (formerly known as Poonawalla Jet Fintech Private Limited) (AFPL) 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.

n 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 support@anydaymoney.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


Please read the following terms and conditions carefully before accessing, browsing, downloading, registering or using the Poonawalla Credit website www.anydaymoney.com, or the AnyDay Money mobile application (AFPL Platform) used as a sourcing mechanism for Poonawalla Credit Private Limited (hereinafter called PCPL or Company), having it’s registered office at "Sarosh Bhavan", 16-B/1, Dr. Ambedkar Road, Pune 411001 on any device and/or before availing any travel, recharge or bill payment or digital products related services offered by PCPL on the AnyDay Fintech Private Limited (formerly known as Poonawalla Jet Fintech Private Limited) Platform (hereinafter called AFPL Digital Services).

You and AFPL shall herein be jointly referred to as “Parties”.


The AFPL Digital Services are not available to persons under the age of 18 or to anyone previously suspended or removed by AFPL from availing the AFPL Digital Services or accessing the AFPL Platform. By accepting the T&Cs or by otherwise using the PCPL Digital Services on the PCPL Platform, You represent that You are at least 18 years of age and have not been previously suspended or removed by AFPL, or disqualified for any other reason, from availing the AFPL Digital Services or using the AFPL Platform. In addition, You represent and warrant that You have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement. Finally, You shall not impersonate any person or entity, or falsely state or otherwise misrepresent Your identity, age or affiliation with any person or entity. Finally, in the event of any violation of the T&Cs, AFPL reserves the right to suspend or permanently prevent You from availing AFPL Digital Services or using the AFPL Platform.


AFPL is engaged with certain Billers supported by the AFPL Platforms for facilitating payment services through biller aggregator(s), through whom You can initiate bill payment on a AFPL Platform, further AFPL facilitates the payment of certain bills through the AFPL Platform with respect to certain services offered by such third-party billing aggregators who have partnered with AFPL to enable payment traction processes through the AFPL Platform (“AFPL Business Partners”). Further, AFPL also offers certain digital products which facilitate the purchase of prepaid recharges for mobile, DTH, purchase of movie tickets, bus tickets, flight tickets etc. All these services described hereinabove are herein referred to as “Services” or “AFPL Digital Services”. On accessing, downloading or and by availing the AFPL Digital Services, you agree to comply with and be bound by the terms and conditions as set out herein. The terms ‘Agreement’ or ‘T&Cs’ mentioned herein below includes the terms and conditions in relation to bill payments and digital products in relation to AFPL Services and/ or AFPL Platform.

The payment transactions or any communication/offers carried out in lieu of the Services are solely between the sender and recipient of the payment, and AFPL does not receive the funds pertaining to the payment transaction or play a role in the settlement of such payment transaction.

You understand and agree to the following:

AFPL provides the Service as a facilitator of payment transactions, and AFPL is not a party to these transactions.

AFPL Service or AFPL Platform does not constitute being a bank, financial institution, card associations, and other payment system providers defined under the Payment and Settlement Systems Act, 2007.

AFPL is not responsible to you in any manner whatsoever, with respect to settlement of payment relating to the transaction facilitated through the Service.

AFPL is not and will not be responsible for any aspect of the products or services You purchase.

AFPL is not and will not be responsible for any communications made by You or any communication or offers made to you through the AFPL Platforms.

AFPL is not a party to and will not be responsible for any disputes, chargebacks or reversals arising pursuant to payment transactions.

AFPL is not responsible for any act of Users, including, non-completion of a transaction.

The facilitation of a transaction does not guarantee that the You have sufficient funds available in the account he or she used, that the transaction will be authorized or processed, or that the transaction will not later result in a chargeback or other reversal.

AFPL uses AFPL Business Partners’ and Biller’s services to process Your payment instructions, and hence You consent and agree to comply with the rules, guidelines, directions, instructions, requests, etc. issued by the respective AFPL Business Partners and Billers from time to time ("Participant Rules").

You acknowledge and agree that You are responsible for keeping yourself up-to-date and complying with all Participation Rules and the failure to comply with the obligations so imposed on You, may result in suspension or termination of Your use of the AFPL Service or AFPL Platform. For the avoidance of doubt, the Participant Rules are between You and the respective AFPL Business Partner or Biller and AFPL is not liable for any actions or inactions thereof.


In order to use the bill payments service or any other AFPL Service, You will need to obtain access to the World Wide Web or the Internet, either on a computer or on any other device that can access web-based content, and You will also need to pay any service fees associated with such access. In addition, You must have all equipment necessary to make such connection to the World Wide Web or the Internet, including a computer and a modem or any other set of access devices. AFPL and/or any AFPL Business Partner reserve the right to charge and recover from You, such fees for availing the AFPL Service, as the case may be. These charges shall be effective from the time when they are posted on the AFPL Platform or on the AFPL Business Partner’s channel/portal/website through which You are availing the specific Service.

You are bound by such revisions and should therefore visit the AFPL Platform or check with the AFPL Business Partner’s channel/portal/website through which You are availing the specific service in order to review the applicable fees which may vary from time to time.

In the event that You stop or seek a reversal of the payment instructions as may have been submitted, AFPL shall be entitled to charge and recover from You and You shall be liable to pay such charges to AFPL or the AFPL Business Partner, as may be decided by AFPL. These charges shall be charged on to Your designated payment account or in any other manner as may be decided by AFPL.

AFPL offers a convenient and secure way to make payments towards Identified Biller(s) Depending upon the AFPL Business Partner through whom the specific service is availed by You

the specific features of the service may differ;
the number of Billers available over the service may differ;
the type and range of payment accounts that can be used to issue a payment instruction may differ;
the modes/devices over which the service can be accessed may differ; and
the charges, fees for availing the service or any aspect of the Service may differ. Specific details related to these aspects would be available with the AFPL Business Partner on their channel/portal/website over which the service is being availed.

From time to time, AFPL, at its sole discretion, can add to or delete from such list of Billers or types of payment accounts that can be used in respect of making payments to a Biller. The type and range of payment accounts that can be used for making payments may differ for each Biller depending on Biller specifications. There may be additional fees/charge when using certain types of payment accounts in respect of a Biller. The terms upon which a payment can be made to a biller can differ depending on whether a card or a bank account is used to issue the payment instruction.

Further, depending on the specific facilities allowed by a AFPL Business Partner, payments to a Biller can be made either (a) by issuing a payment instruction for an online debit/charge to a payment account or (b) by scheduling an automated debit to a payment account. In using the Service, You agree to:

provide true, accurate, current and complete information about Yourself (“Registration Data”), Your payment account details (“Payment Data”), Your Biller details (“Biller Data”); and maintain and promptly update the Registration Data, Payment Data and Biller Data to keep it true, accurate, current and complete at all times. If You provide any information that is untrue, inaccurate, not current or incomplete, or AFPL has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, AFPL has the right to suspend or terminate Your account and refuse any and all current or future use of the AFPL Services/PCPL Platform (or any portion thereof). The term Biller means a billing partner including telecom operators which have partnered with AFPL or AFPL Business Partners to facilitate the bill payment Services supported by AFPL Platform .

AFPL assumes no responsibility and shall incur no liability if it is unable to affect any payment instruction(s) on the payment date owing to any one or more of the following circumstances: If the payment instruction(s) issued by You is/are incomplete, inaccurate, invalid and delayed; If the payment account has insufficient funds/limits to cover for the amount as mentioned in the payment instruction(s);

If the funds available in the payment account are under any encumbrance or charge;
If Your bank or the National Clearing Centre refuses or delays honouring the payment instruction(s); If payment is not processed by biller upon receipt;
Circumstances beyond the control of AFPL (including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an outside force).
In case the bill payment is not effected for any reason, You will be intimated about the failed payment by an e-mail.


AFPL is only a reseller of digital products. AFPL does not provide mobile operator services and is only a reseller of prepaid mobile recharge services which are ultimately provided by telecommunications service providers (hereafter Telco or Telcos) or by other distributors or aggregators of such Telcos. AFPL is not a warrantor, insurer, or guarantor of the services to be provided by the Telcos. Prepaid mobile recharge sold to You by use of AFPL Service is sold without recourse against PCPL for any breach of contract by the Telcos. Any disputes regarding the quality, minutes provided, cost, expiration, or other terms of the mobile prepaid recharge purchased must be handled directly between You (or the recipient of the recharge) and the Telco. For avoidance of doubt, the Telco terms are between you and the applicable Telco, not AFPL and AFPL shall not not liable for any actions or inactions of such Third Party Providers.

The terms and conditions set out in this section are applicable, mutatis mutandis, to other prepaid recharge products available on the AFPL Platform including prepaid recharges in relation to DTH, as well as to other prepaid recharge products that may be offered on the AFPL Platform. AFPL will not be responsible for any failure on the part of any of its recharge partners in effecting a recharge.


AFPL is an intermediary within the meaning of the Information Technology Act, 2000 and the rules thereunder and merely facilitates the sale and purchase of movie tickets between the Merchant, i.e., the cinema owner, and You. For the purposes of this section, a Merchant shall mean a cinema owner or the person owning inventory of movie tickets that are being sold on the AFPL Platform. AFPL does NOT at any point of time during any transaction between You and the Merchant, take the ownership of any of the products/services provided by Merchant. Nor does AFPL at any point assert any rights or claims over the products/services offered by the Merchant to You. In using the AFPL Platform for purchasing movie tickets, You explicitly agree and acknowledge that:

Bookings for the tickets once made by You cannot be cancelled, exchanged or refunded;
Your booking confirmation will be sent via an e mail and/or SMS;
You or the person collecting the ticket(s) on Your behalf may need to print and present the e mail ticket at the counter in order to avail a physical ticket from the cinema box office of the Merchant at the premises of the cinema hall concerned;

To collect the tickets from the cinema box office, it is mandatory for You or the person collecting the ticket(s) on Your behalf to present the debit/credit card that has been used to book ticket(s) along with the booking confirmation SMS or e mail print out; The holder of a physical ticket is deemed to be the owner of the ticket(s);
A convenience fee per booking in respect of the ticket(s) is levied on all tickets booked by You online. Kindly check once before You make the booking;
As per the Merchant’s terms and conditions, You need to make the bookings for the tickets in respect of the children above the age of 3 years;
As per the Merchant’s terms and conditions, in case a physical ticket is lost or misplaced, a duplicate ticket cannot be issued;

If the Merchant cancels the show, AFPL will NOT be held responsible for such cancellation. In such cases, AFPL will automatically issue a refund to Your AFPL wallet with applicable deductions the amount paid by You for the movie ticket(s) booked on AFPL within 48 hours of the cancellation; If You do not receive a confirmation number (in the form of a confirmation SMS or e mail) after submitting payment information, or if You receive an error message or service interruption after submitting payment information, You should immediately report to the PCPL customer care. PCPL will NOT be responsible for any losses occurred in the process;

Please add support@anydaymoney.com to Your address book to ensure e mail delivery in Your inbox. AFPL will not be responsible for any loss caused due to the confirmation e-mail or any other e-mail relating to the ticket booking process not being delivered to Your primary inbox; By booking a ticket on the AFPL Platform, You agree and undertake to adhere to and comply with the terms and conditions of respective Merchants in respect of all the bookings made by You for the tickets through the PCPL Platform;

As per the Merchant’s terms and conditions, outside food and beverages are not allowed inside the cinema hall’s premises;

By accepting the T&Cs, including the specific terms and conditions in this section, You accept that AFPL may send the alerts to the mobile phone number/e mail provided by You while registering on the PCPL Platform or to any such number replaced and informed by You subsequently; Notwithstanding anything to the contrary contained herein, neither AFPL nor affiliates of AFPL or its officers, directors, employees shall have any liability to You or to any third party for any direct, indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or relating to the T&Cs, the AFPL Platform or AFPL Services, even if any of said parties had been advised of, knew of, or should have known of, the possibility of such damages. To the maximum extent permitted by law, AFPL’s maximum aggregate liability to You for any causes whatsoever, and regardless of the form of action (whether liability arises due to negligence or any other tort, breach of contract, violation of statute, misrepresentation or for any other reason), will at all times be limited to Rs. 5,000. To the maximum extent permitted by law, You waive, release, discharge and hold harmless PCPL or affiliates of PCPL, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of Your use of the AFPL Platform and/or AFPL Service.

Ticket(s) booked with cancellation protect can be cancelled upto 3 hours before the show time e.g. If you have booked tickets for show time Sunday 7 PM, you can cancel the tickets upto 3:59 PM on that Sunday.

In case you cancel your ticket within the cancellation period, you will receive 100% refund on ticket price e.g. If you have booked tickets for show time Sunday 7 PM and you cancel the ticket(s) anytime before 3:59 PM on that Sunday, you will get 100% refund in your PCPL Wallet within 24 hours of canceling the ticket.

Your ticket(s) will be sent to you over sms/e-mail only after the cancellation period is over e.g. if your movie’s show time is Sunday 7 PM, you will receive your ticket details after 4 PM on that Sunday.

Refund will only be given for the movie ticket amount, any additional amount paid for convenience fee or food and beverages will not be refunded. On cancellation of the ticket, the cinema operator reserves the right to allow or disallow redemption of the food item in the order. Partial cancellation of an order is not allowed.

All seat layouts are representative in nature, distance between rows & from screen can differ from the actual.

In case of any issues, the interpretation of PCPL will be considered final.


If any dispute, controversy or claim arises under this Agreement or in relation to any PCPL Service or the PCPL Platform, including any question regarding the existence, validity or termination of this Agreement or T&Cs (hereinafter Dispute), the Parties shall use all reasonable endeavours to resolve such Dispute amicably. If the Parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, PCPL may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996 (hereinafter Act). Such Dispute shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party.

The Dispute shall be resolved by a sole arbitrator, appointed in accordance with the Act. The seat of the arbitration shall be Pune and the language of this arbitration shall be English. Either You or PCPL may seek any interim or preliminary relief from a court of competent jurisdiction in Pune necessary to protect the rights or the property belonging to You or PCPL (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. Any arbitration shall be confidential, and neither You nor PCPL may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between You and PCPL. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement.


Subject to the Dispute Resolution section above, You agree that any claim or dispute You may have against PCPL must be resolved by a court having jurisdiction in Pune, India. You agree to submit to the personal jurisdiction of the courts located within Pune, India, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Indian law. This paragraph shall survive termination of this Agreement.


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.