Gim Info Solutions Pvt Ltd ("GimBooks", "we", "us" or "our") operates GimBooks Capital, a website through which you can enquire about and apply for salary advances and small business loans (together, "Credit Products"). We act as a Digital Lending Application ("DLA") for Orrish Finance Private Limited (the "Lending Partner"), a non-banking financial company registered with the Reserve Bank of India ("RBI"). The Lending Partner is the regulated entity that offers, sanctions, and disburses every Credit Product.
These Terms and Conditions ("Terms") govern your access to and use of GimBooks Capital and the services facilitated through the Platform. By accessing the Platform, submitting a loan application, clicking "I Agree", accepting a loan offer, or otherwise using the services, you acknowledge that you have read, understood, and agreed to these Terms, the Privacy Policy, and other documents accepted by you during the loan journey. If you do not agree, you should not proceed with the Platform or the relevant service.
Part A — General Terms and Conditions
1. Introduction
GimBooks Capital provides a technology-enabled digital interface through which eligible customers may apply for loan products offered by Orrish Finance. Orrish Finance may facilitate customer acquisition, digital onboarding, collection and transmission of application information and documents, KYC assistance, verification support, underwriting support, customer communication, servicing assistance and other activities.
GimBooks Capital does not independently provide loans or credit facilities. All loans are offered, sanctioned, and disbursed solely by Orrish Finance in its capacity as the Regulated Entity.
2. Eligibility
To use GimBooks Capital and apply for a loan product facilitated through the Platform, you must be an individual resident of India, be at least 21 years of age, be legally competent to enter into a binding contract under applicable Indian law, and satisfy the KYC, income, credit, repayment-capacity, and other eligibility requirements prescribed by Orrish Finance.
You must use GimBooks Capital only in your own lawful capacity unless expressly authorized to act for another person under applicable law. You represent that all information, declarations and documents submitted by you are true, complete, accurate and current. Submission of an application does not create a right to receive a loan.
3. Acceptance of Terms
These Terms shall be read together with the GimBooks Capital Privacy Policy, applicable consents and declarations, the Key Facts Statement ("KFS"), sanction terms, loan agreement and any other document executed or accepted by you in relation to a loan. Where there is any inconsistency between these general Terms and the specific financial terms contained in the KFS or loan agreement issued by Orrish Finance, the KFS and applicable loan agreement shall govern the lending relationship to the extent of such inconsistency.
4. Your Account and Information
GimBooks Capital may require authentication through your registered mobile number, OTP, email address or another permitted mechanism. You are responsible for safeguarding your account credentials and authentication information and must notify us promptly if you suspect unauthorized access, identity theft or misuse.
You must ensure that information provided during registration, KYC, and loan application remains accurate and updated. Orrish Finance may restrict or suspend access where information is reasonably suspected to be false, misleading, forged or fraudulent, subject to applicable law.
5. Privacy and Personal Data
Collection, processing, storage, use, sharing, retention and deletion of Personal Data through GimBooks Capital shall be governed by the GimBooks Capital Privacy Policy and applicable law. Because GimBooks Capital presently operates as a web-based DLA, it does not seek unrestricted access to your personal SMS messages, contacts, call logs, installed applications, or unrelated files on your device.
6. License and Access to the Platform
Subject to compliance with these Terms, Orrish Finance grants you a limited, personal, revocable, non-exclusive and non-transferable right to access and use GimBooks Capital for lawful purposes connected with services made available through the Platform. All rights in the website, software, design, text, graphics, trademarks, logos and proprietary content remain with the relevant licensors.
You shall not copy, reproduce, commercially exploit, reverse engineer, decompile, interfere with security systems, introduce malware, use unauthorized scraping or crawling tools, gain unauthorized system access or use GimBooks Capital for an unlawful or fraudulent purpose.
7. Monitoring and Security of the Platform
GimBooks Capital may maintain and review reasonable technical, transactional, application and security records relating to use of the Platform for lawful purposes including fraud prevention, cybersecurity, verification, regulatory compliance, troubleshooting and enforcement of these Terms. Such monitoring shall be need-based and proportionate and carried out in accordance with the Privacy Policy and applicable law.
8. Service Suspension or Termination
Orrish Finance may suspend, restrict or terminate access to GimBooks Capital where you materially breach these Terms, provide false or fraudulent information, engage in suspicious or unauthorized activity, create a security risk, withdraw information or consent essential for a pending service, or where such action is required by a court, regulator, government authority or applicable law.
Suspension or termination of Platform access does not cancel a loan already sanctioned and accepted. You remain responsible for repayment and other obligations arising under your KFS and loan agreement with Orrish Finance.
9. Contact Us and Grievance Redressal
For questions about these Terms or the Platform, contact GimBooks Capital customer support at support@gimbookscapital.com or +91-8889922223.
If you have a complaint, you may contact our Grievance Redressal Officer, Ashish Rathore. See our Grievance Redressal page for their contact details and how to escalate a complaint to the Lending Partner or the Reserve Bank of India.