Terms and Conditions

Welcome to CLEMS – Consumer Loan EMI Management System (“CLEMS”, “we”, “our”, “us”).
By accessing or using our platform, website, mobile application, or services, you agree to comply with these Terms & Conditions.
CLEMS provides a financial management and benefits platform that enables customers to manage monthly expenses, receive cashback, and enjoy partner-shop privileges.

To use CLEMS services:

• You must be at least 18 years of age.
   
• You must submit accurate personal and KYC details.
   
• CLEMS reserves the right to refuse service to any individual at its discretion.
   

CLEMS provides the following services:

• Every verified member is eligible for a fixed monthly cashback based on their registered plan.
   
• Cashback amounts are predetermined according to membership type.
   
• Cashback is available only to active, compliant, and verified users.
   

CLEMS collaborates with approximately:

• 50 Electronic Shops
   
• 50 Mobile Phone Shops
   
• 50 Jewellery Shops
   

Customers receive:

• Discounts
   
• Exclusive offers
   
• Priority services
  based on their membership status.
   

• CLEMS provides twice-weekly delivery of fresh vegetables and fruits.
   
• Delivery is limited to designated city areas.
   
• Product availability may vary based on location and season.
   

• Benefits depend on the specific CLEMS membership plan chosen by the customer.
   
• Once activated, membership fees are non-refundable.
   
• Plans may be upgraded but cannot be downgraded.
   
• CLEMS may revise plan benefits or policies without prior notice.
   

• All payments must be made through CLEMS-approved payment gateways or authorized partner shops.
   
• CLEMS is not liable for issues arising from incorrect transactions.
   
• Refunds are issued only in cases of:
   
  • Duplicate payment
     
  • Technical transaction failure
     

Membership fees and service charges are strictly non-refundable.

• Cashback is credited on a fixed monthly date.
   
• Cashback cannot be transferred, withdrawn, or encashed; it can only be used for:
   
  • CLEMS services
     
  • Vegetables and fruits delivery
     
  • Purchases at CLEMS partner shops
     
• Cashback may be withheld in case of policy violations.
   

• Weekly deliveries depend on stock availability and city coverage.
   
• CLEMS ensures quality standards for perishable goods.
   
• If an item is unavailable, it may be replaced with a similar product of equal value.
   

Partner shops are independently responsible for:

• Product quality
   
• Warranty services
   
• Repair or replacement claims
   

CLEMS is not accountable for:

• Product defects
   
• Warranty issues
   
• Service delays from partner shops
   

All electronics, mobile phones, and jewellery purchases follow respective brand warranties.

Users agree to:

• Provide accurate information
   
• Avoid fraudulent or suspicious activities
   
• Use the platform responsibly
   
• Not misuse services, benefits, or systems
   
• Not engage in illegal financial transactions
   

Violation may result in service denial.

• CLEMS protects all customer data using secure systems.
   
• Personal data is never sold to third parties.
   
• Some customer data may be shared with partner shops solely for service fulfilment.
   
• CLEMS follows standard data protection practices.
   

CLEMS may suspend or terminate accounts if:

• Fraudulent activity is detected
   
• Incorrect or fake details are used
   
• Terms & Conditions are violated
   
• Payment irregularities occur
   

All decisions made by CLEMS in such cases are final.

CLEMS is not liable for:

• Quality issues with partner-shop products
   
• Delivery delays
   
• Platform or app downtime
   
• Network failures
   
• Force majeure circumstances
   

Services are provided “as available” without guarantee of uninterrupted access.

CLEMS reserves the right to modify, update, or amend these Terms & Conditions at any time.
Updated versions will be posted on the website/app and will take effect immediately upon publication.

For support or inquiries:
Email: india@clems.shop
Phone: +91-9975040009