Customer terms
Terms & Conditions
These terms explain how RFG Financial sells eligible store products, supports approved purchase applications, manages EMI payments and provides customer account access.
1. Services
RFG Financial is a retail store that sells pre-owned bikes, electronics and other eligible products. For approved customers, RFG may allow the product price and applicable charges to be paid in monthly EMI installments as per the agreed purchase terms.
RFG does not provide unrelated cash services. The customer relationship is linked to purchase of physical products from RFG and payment of the agreed product price through EMI installments.
2. Purchase activation
A purchase account is activated only after the customer reviews and agrees to the product details, product value, EMI schedule, charges, verification requirements and hand-over conditions. If the customer does not agree, the product purchase will not be activated.
3. Customer information
Customers must provide correct personal, mobile, guarantor, product and payment information. RFG may require identity, address, guarantor, showroom, product or payment verification before approval, activation or product hand-over.
4. EMI and payments
EMI payments must be made on or before the due date shown to the customer. Late payments, missed payments, penalties, charges or follow-up may apply as per the agreed purchase terms.
Payment status may take time to update after verification, especially for bank transfer, QR, cash or manual payment methods.
5. Online payments
Online payments may be processed through third-party payment gateways such as Razorpay. RFG does not store card, UPI, netbanking or wallet credentials. Payment gateway charges, bank delays, failed transactions or settlement delays may be handled as per the payment provider's rules.
6. Customer security
Customers must not share MPIN, OTP, login details, payment screenshots or personal documents with anyone except confirmed RFG staff. RFG may contact customers for verification, EMI reminders, support or payment confirmation.
7. Account action
RFG may reject, pause, cancel or close any purchase application or account if submitted information is incorrect, verification fails, misuse is detected, EMI obligations are not met or required documents are not provided.