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The No Cost EMI Offer: Terms and Conditions for Credit and Debit Cards

We welcome the Hon’ble Prime Minister’s demonetization move, which was necessitated inter alia to tackle the counterfeiting of Indian currency notes and to nullify the vast amounts of black money hoarded in cash in the country. To support this bold and unprecedented initiative of the Government, and to promote banking transactions and electronic modes of payment, Pepperfry, together with the sellers listed on the Website, has decided to implement the ‘No Cost EMI Offer’ as follows.

For the purpose of these terms and conditions, wherever the context so requires, "you" and "your" shall relate to any natural or legal person who has opted for payment in equated monthly instalments ("EMI") pursuant to payments made by credit cards or debit cards ("EMI Offer") for making any purchase(s) on www.pepperfry.com (the "Website") or the mobile application ("App") and the terms "Company" and "Pepperfry" shall mean Trendsutra Platform Services Private Limited, a company incorporated under Companies Act, 1956 with registered office at 101, Ackruti Corporate Park, LBS Marg, Kanjurmarg (W), Mumbai 400078, Maharashtra (India).

In addition to the terms and conditions detailed in the “Terms of Use” page on the Website and App, by availing the EMI Offer, you are agreeing to and accept the terms and conditions set out herein:

  1. The EMI Offer is being offered uniformly, on all the products listed by various sellers on the Pepperfry Website and App. The EMI Offer does not amount to a waiver by any bank or financial institution on the interest component of the equated monthly instalments being paid by you.
  2. You agree and confirm that you will need to pay applicable EMI and interest on the total value of the order at the time of payment to the bank, in accordance with the terms applicable to the credit card or debit card through which you undertake the transaction.
  3. The discretion to process payment lies with the bank that has issued the credit card or debit card being used by you for the transaction. Pepperfry will have no obligation or liability in the event the bank refuses to process the transaction, for any reason whatsoever.
  4. You agree that in the event you fail to make timely payments of EMI, there may be additional interests or penalties which may be levied by the bank, and you shall be solely liable to pay any such additional interests and penalties, if any.
  5. The EMI Offer is currently valid for EMIs having a tenure of 3 (three) months and 6 (six) months. The EMI Offer is facilitated by selected banks only, as displayed on the landing pages of the products being purchased.
  6. The minimum order value to avail the EMI Offer payment option is Rs 3,000 (Rupees Three Thousand Only).
  7. Any returns or cancellations will be as per Pepperfry’s returns and cancellation policy, available for viewing on the Website and the App. In the event of any return of the product for which payment was made using the EMI Offer ("Purchased Product"), or refund of the amount paid by you pursuant to the EMI Offer in an EMI transaction, the interest already charged by the relevant bank will not be refundable.
  8. Pepperfry will not charge a processing fee for availing the EMI Offer. However, the relevant bank may charge processing fees or cancellation charges as per their internal policies. Such charges shall be paid by you to the relevant bank and Pepperfry will have no liability or obligation to refund such charges in the event of return of the Purchased Product or cancellation of the orders placed on the Website or the App.
  9. We request you to please consult your bank or card issuer on the mechanics of cancellations, refunds or pre-closures affecting the terms of the EMI offered, and the details of the interest or cancellation charges that may be levied for the same.
  10. Pepperfry retains the right to modify or cancel these terms and conditions and the EMI Offer at its sole discretion.
  11. You understand and agree that there may be a constraint on the number of transactions or purchases on a specific credit card or debit card, based on the transaction limits set by the issuing bank. You confirm that you shall abide by the terms and conditions as may be applicable on the credit card or debit card being used by you.
  12. You may be charged service tax or other applicable taxes by your bank for the transactions undertaken using the credit cards or debit cards issued by such bank.
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