Brand Name: IRAIVI
These Terms and Conditions ("Terms") govern your access and use of the services provided by ARUL FINANCIERS PRIVATE LIMITED ("Company", "we", "our", "us"), operating under the brand name IRAIVI. By visiting our website, making a loan application, or making a repayment through any of our digital payment channels, you agree to be bound by these Terms.
Refers to the brand owned and operated by Arul Financiers Private Limited.
Refers to any individual or entity availing financial products or services from IRAIVI.
Means the agreement executed between IRAIVI and the customer for any loan sanctioned.
You must be at least 18 years old to access or use our services.
By providing your personal details, you authorize us to verify your identity, creditworthiness, and other financial information.
All products offered are subject to eligibility criteria and final approval by IRAIVI.
IRAIVI provides multiple online payment methods for easy and secure EMI repayment, including UPI, Debit Cards, Net Banking, and eNACH mandates. By using any of these modes, you acknowledge that:
• The loan account number and payment details entered are accurate and complete.
• You authorize IRAIVI or its authorized partners to debit the selected payment method for the repayment amount.
• You are responsible for ensuring sufficient funds at the time of the transaction.
Important: Loan repayments once made are non-refundable.
Refunds will only be issued in the following cases:
Process: Refund requests must be submitted within 7 working days of the transaction, with relevant proof. Upon verification, refunds will be processed to the original source account within 7 to 10 working days.
Chargebacks will be entertained only in cases of:
Warning: Misuse of the chargeback process will be considered a breach of contract and may attract legal consequences or credit bureau reporting. IRAIVI reserves the right to contest any chargeback raised with the issuing bank or payment processor.
In the event of double debit, the customer must notify us immediately with:
Resolution: Verified cases of double debit will be refunded within 7–10 working days.
support@iraivimail.com
+91-93 8006 8007
Business Hours: Monday to Saturday, 10:00 AM to 6:00 PM
Delayed or failed payments due to customer-side issues (network, insufficient funds, incorrect input) will attract late fees and/or penalties as defined in the Loan Agreement.
Credit Impact: Missed repayments will impact the customer's credit bureau score.
All content, branding, logos, images, and software on this site belong to IRAIVI/Arul Financiers Private Limited. Unauthorized use or reproduction is prohibited.
IRAIVI shall not be liable for:
Our Commitment: Our liability is limited to correcting genuine errors and facilitating refunds as per the policies stated above.
We reserve the right to amend or update these Terms at any time. Changes will be reflected on this page, and continued use of our services constitutes your agreement to the revised terms.
These Terms shall be governed in accordance with the laws of India.
All disputes arising in connection with the services offered by IRAIVI shall be subject to the jurisdiction of the courts in Chennai, Tamil Nadu.
For any queries, clarifications, or complaints, please contact our grievance redressal team through:
Company
ARUL FINANCIERS PRIVATE LIMITED
Brand Name
IRAIVI
Business Hours
Monday to Saturday, 10:00 AM to 6:00 PM
📧 support@iraivimail.com
Phone
📞 +91-93 8006 8007
Last updated: 28 August 2025
© 2025 ARUL FINANCIERS PRIVATE LIMITED (IRAIVI)
These Terms and Conditions are governed by the laws of India and subject to the jurisdiction of courts in Chennai, Tamil Nadu. IRAIVI reserves the right to modify these terms at any time with prior notice to customers.