Terms of Service

Please read these Terms of Service carefully before accessing or using any services provided by RESOLUTE BENEFACTOR WISH MICRO SERVICE FOUNDATION ("RB Wish", "Foundation", "we", "our", or "us").

By accessing our website, customer portal, repayment platform, or any related services, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service.

Effective Date: 01 January 2025
Last Updated: 01 July 2026
Governing Law: Laws of India
CONTENTS :
Acceptance of Terms
Eligibility & Registration
Loan Terms & Repayment
User Responsibilities
Intellectual Property Rights
Limitation of Liability
Governing Law & Dispute Resolution
Contact Information
01. ACCEPTANCE OF TERMS :

By accessing or using the website, customer portal, repayment platform, or any services provided by RESOLUTE BENEFACTOR WISH MICRO SERVICE FOUNDATION, you agree to comply with and be legally bound by these Terms of Service.

If you do not agree with any part of these Terms, you must immediately discontinue the use of our services.

Important Notice

RESOLUTE BENEFACTOR WISH MICRO SERVICE FOUNDATION is a Section 8 Company incorporated under the Companies Act, 2013.
The Foundation is engaged in promoting financial inclusion through microfinance support, financial assistance services, and related borrower support programs.
The Foundation is not a bank and does not accept public deposits.
These Terms apply to all visitors, users, applicants, borrowers, and any other persons accessing our services.
The Foundation reserves the right to modify, amend, or update these Terms at any time. Any changes will become effective upon publication on this website.
02. ELIGIBILITY & REGISTRATION :

To apply for or avail of any financial assistance or loan-related service, an applicant must:

Be an Indian citizen or legally eligible resident of India.
Possess valid identity and address proof as required under applicable laws.
Provide accurate, complete, and truthful information during the application process.
Maintain an active bank account in their own name.
Satisfy the eligibility criteria applicable to the respective loan or financial assistance product.

The Foundation reserves the right to approve, reject, suspend, or cancel any application at its sole discretion and in accordance with applicable laws and internal policies.

03. LOAN TERMS & REPAYMENT :

All loans and financial assistance provided by the Foundation shall be governed by the respective Loan Agreement executed between the borrower and the Foundation.

Repayment Process

Borrowers may be required to register an eNACH or Auto-Debit Mandate at the time of loan disbursement.
Once authorized, the eNACH Mandate shall be linked to the borrower's registered bank account.
Scheduled EMI payments may be automatically collected through the eNACH system on the respective due dates.
In the event of a failed auto-debit transaction, borrowers shall remain responsible for making timely repayments through alternative payment channels.
Repayments may be accepted through Payment Gateway, UPI, Net Banking, Debit Card, Credit Card, or other approved digital payment methods.
Advance EMI payments, part payments, foreclosure payments, overdue collections, and other borrower-initiated transactions may also be processed through approved payment channels.

Borrower's Responsibility

Failure to repay installments on or before the scheduled due dates may result in additional charges, recovery actions, legal proceedings, or reporting to credit information agencies wherever applicable under law.

Any applicable charges, fees, penalties, taxes, or levies shall be disclosed to the borrower before loan disbursement and shall form part of the applicable Loan Agreement.

04. USER RESPONSIBILITIES :

Users agree that they shall not:

Provide false, inaccurate, misleading, or fraudulent information.
Submit forged, altered, or invalid documents.
Use the services for unlawful or unauthorized purposes.
Attempt to gain unauthorized access to any system, database, server, or account.
Upload or distribute viruses, malware, or any malicious software.
Violate any applicable laws, regulations, or contractual obligations.

Any fraudulent activity may result in suspension or termination of services and may lead to appropriate legal action.

05. INTELLECTUAL PROPERTY RIGHTS :

All content available on this website, including but not limited to text, graphics, logos, icons, software, designs, documents, and other materials, is the property of RESOLUTE BENEFACTOR WISH MICRO SERVICE FOUNDATION or its licensors.

No content may be copied, reproduced, distributed, modified, republished, transmitted, or commercially exploited without prior written permission from the Foundation.

06. LIMITATION OF LIABILITY :

The Foundation strives to provide reliable and secure services. However, we do not guarantee uninterrupted, error-free, or completely secure access to our website, repayment portal, or related systems.

To the fullest extent permitted by applicable law, the Foundation shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use of our services.

The services are provided on an "as is" and "as available" basis without warranties of any kind except as required by law.

07. GOVERNING LAW & DISPUTE RESOLUTION :

These Terms shall be governed by and interpreted in accordance with the laws of India.

Any dispute arising out of or relating to these Terms shall first be attempted to be resolved amicably through mutual discussions.

If the dispute remains unresolved, it shall be subject to the exclusive jurisdiction of the competent courts having jurisdiction over the registered office of the Foundation.

08. CONTACT INFORMATION :

For any complaints, grievances, legal notices, queries, or support requests, please contact:

Grievance Officer

Name: Tarun Das, Director

Phone: +91 7063284316

Email: mfi.rbwish@gmail.com

Website: https://rbwishmfi.com/

Registered Office: RESOLUTE BENEFACTOR WISH MICRO SERVICE FOUNDATION, C/O Bhagirath das, Durgapur,PO. Tekarbazar, Durgapur Tekarbazar, Namkhana,Sou 24 Parganas - 743357, West Bengal., Namkhana, West Bengal - 743357

By continuing to access or use our services, you acknowledge that you have read, understood, and agreed to these Terms of Service.

Get In Touch With Us

Feel free to contact us any time. we will get to you as soon as we can!

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Resolute Benefactor Wish Micro Service Foundation is dedicated to empowering individuals and communities across India by providing accessible, transparent, and technology-driven financial solutions, fostering financial inclusion and building a self-reliant and sustainable future.

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