Terms of Service

Terms & Conditions

Welcome to kissht.com (the "Site") operated by OnEMi Technology Solutions Private Limited. OnEMi Technology Solutions Private Limited provides its services to you subject to the following conditions. Before you may use the Site, you must read and accept all of the terms and conditions in and linked to, the Terms of Use (ToU) and the linked Privacy Policy. We reserve the right at any time, at our sole discretion, to change or otherwise modify the ToU without prior notice. The headings contained in this agreement are for reference purposes only.

We recommend you print out a copy of the ToU for your future reference.

1. What are you agreeing to?

1.1 Description of services

In the Site, Kissht provides loans or a line of credit to its user for the purpose of buying a product on our partner e-commerce merchants’ website (hereby referred to as “Service”). In addition, you are responsible for all equipment necessary to access the Site. By making use of this Site, and furnishing your personal/contact details, you hereby agree that you are interested in availing the loan service that you have selected. You hereby agree that Kissht may contact you either electronically or through phone, to understand your interest in the selected products and to fulfill your demand. You agree to receive promotional materials and/or special offers from Kissht through email or SMS.

1.2 Modification and notification of changes

Kissht.com reserves the right to make changes to the Site, ToU and the Privacy Policy at any time. If Kissht.com makes a material modification to this ToU, it may notify you by displaying a prominent announcement above the text of the ToU or the Privacy Policy. If you choose to continue using the Site, you agree that by doing so you will be deemed to accept the new ToU or Privacy Policy, as relevant.

1.3 Eligibility

This Service is not available to minors under the age of 18 or to any users suspended or removed from the system by Kissht.com for any reason.

1.4 Consent for further enquires

I agree to authorize Kissht.com to make any enquiries with any other financial institution / registered credit bureau regarding my credit history with them.

2. How Kissht will provide a service to you?

2.1 Kissht will provide you with credit for your online purchase

The Pre-Approved Line of Credit and also the FastLoan option on our partner e-commerce merchants’ website will provide you with the necessary credit for your online purchases.Kissht may provide this credit by itself or through its financing partners.

2.2 Cancelling loan application

Kissht may choose not to provide Service to you at any time for various reasons, including but not limited to, your credit history, your history of transactions on our Site, the merchant's account history or any other reason. Kissht has full authority to cancel the loan application if there is any violation of any of the terms of agreement.

2.3 Collection of payments

You agree to allow Kissht.com, to send you payment reminders at regular intervals. You also agree that if you fail to pay an amount owed, Kissht may engage in collection efforts to recover such amounts from you. These collection efforts may involve contacting you directly, submitting your information to a collections agency, or taking legal action if the need arises to do so.

2.4 Credit Investigation

By using the Service, you give Kissht.com the permission to investigate your credit record and obtain your credit report in connection with the scrutiny of your application for credit. You also understand that Kissht.com would report all account related information (such as late payments, missed payments, or defaults) to credit reporting agencies.

2.5 Consent for communication

You are providing your consent to contact you directly by means of call, text, or e-mail.

3. Your use of Kissht

3.1 Agreement to Provide Accurate Information

When providing information, you agree to provide valid details only. Also you agree not to provide any misrepresenting identity. You further agree to keep your account information up to date and accurate.

3.2 Processing delays

When you attempt to avail the Service, you understand that your application could be pending or delayed in processing due to technical failures on Kissht.com or on merchant’s site.

3.3 Charges to be paid

When availing the Service, you may be required to pay certain charges in case of any late payments, default in payments or foreclosure.


Bounce Charges

ECS Return Charges



Cheque Return Charges



EMI Overdue Charge/Late Payment Charge

EMI overdue charges



Swapping Charges - change of bank account under repayment options

ECS Swap charges



PDC Swap charges



Foreclosure Charges

For loans with tenure up to 6 months
2.5% on balance principle outstanding
For loans with tenure more than 6 months
4% on balance principle outstanding

3.4 Methods of Repayment

Mentioned below are the payment methods that could be used to pay for your EMI’s

  • ECS/NACH mandate
  • Post Dated Cheques
  • Cash or Demand Draft

3.5 Access to password protected/secure areas

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

3.6 Links

The Site may provide links to other websites. Since Kissht.com has no control over such sites, you acknowledge and agree that Kissht.com is not responsible or liable for any content, advertising, products or other materials on or available from such sites. You further acknowledge and agree that Kissht.com shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such sites.

3.7 Feedback

Your feedback makes us better. Please feel free to share it with us. We will assume no responsibility for reviewing unsolicited ideas and will not incur any liability as a result of any similarities between those ideas and materials that may appear in future Kissht.com programs. Do not reveal confidential information in your messages to Kissht.com. Any and all rights to materials submitted to us become the exclusive property of Kissht.com

4. What you will NOT do on Kissht

By using Kissht Services, you agree that:

· You will not engage in any activities related to the Services that are contrary to any applicable law or regulation or the terms of any agreements you may have with Kissht;

· You will not provide false, inaccurate or misleading information;

· You will not provide information belonging to any person other than yourself;

· You will not use an account that belongs to another person for yourself or on behalf of another person;

· You will not use any device, software, file or other tool or technology, including but not limited to any viruses, trojan horses, worms, etc. intended to damage or interfere with the Services or to surreptitiously intercept or expropriate any system, data or personal information from the Services;

· You will not breach this Agreement or any other agreement or policy that you have agreed to with Kissht;

· You will not commit unauthorized use of Kissht Website and systems including but not limited to unauthorized entry into Kissht’s systems, misuse of passwords, or misuse of any information posted to a site; and

· You will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure, including but not limited to denial of service attacks, "spam" or any other such unsolicited overload technique.

5. How disputes will get resolved by Kissht?

5.1 Disputes with Kissht

If a dispute arises between you and Kissht.com, our goal is to provide you with a neutral and cost-effective means of resolving the dispute quickly. In the event of a dispute we encourage you first to contact Kissht.com to try resolving your problem directly with us.

5.2 Consumer Consent

Before completing any transaction using Kissht.com, you will be asked to consent to the Kissht Terms of Use. This action constitutes your consent and agreement to the following terms:

· Kissht may provide disclosures required by law and any other information about your legal rights and duties and your account to you electronically.

· Kissht can send any communications, billing statements, or required disclosures (together, "Disclosures") to you electronically via our website or to the email address that you have provided to us, either directly or indirectly via the merchant to whom Kissht will send funds on your behalf.

· Kissht will notify you via e-mail when the Disclosures are available. Whenever Kissht sends you an email or text message regarding the Disclosures, that email or text message will contain instructions regarding how to view the Disclosures.

· This consent applies to any transaction undertaken through the Services in the past, to all future disclosures and communications on your account, to all future transactions in which you use the Services, at any time, to any transaction with us, and to other Disclosures that we provide to you by email.

5.3 Minimum Requirements

You understand that, in order to view and/or retain copies of the Disclosures, you may need a computer with an Internet connection, a mobile device, a valid email address, a working mobile telephone number that can receive text messages, sufficient storage space to save Disclosures or the capability to print the Disclosures from the device on which you view them.

5. 4 Updating Your Contact Information

You can update your contact number and/or email address by contacting Kissht Support team on +91.99870.98876

5.5 Legal Effect

Your consent to this consent means that the Disclosures Kissht provides you electronically shall have the same meaning and effect as if provided in paper form. A text message or E-mail alerting you that Disclosures are available electronically, provided that the Disclosures are made available online shall have the same meaning and effect as if Kissht had provided those Disclosures to you in paper form.

5.6 Miscellaneous

You agree that Kissht may modify or change the methods of Disclosures described herein, and that Kissht may send you Disclosures in paper form at its option. You also agree that Kissht is not responsible for any delay or failure in your receipt of any text message or email notice that is not caused by Kissht’s failure to send such a notice to the phone number or email address you have provided for that purpose.