Last updated: 29 October 2026
1. About these terms
These terms are an agreement between you and Jahan Mobile Finance Pvt. Ltd. (“JMF”), Tumni Bazar, South Salmara, Assam 783127. By using our website or apps, you accept them. Every loan, deposit or phone finance also has its own signed agreement. If that agreement and these terms differ, the signed agreement applies.
2. Who can use our services
- You must be at least 18 years old and able to enter a contract under Indian law.
- The details and documents you give us must be true, complete and your own. If you add a guarantor or nominee, you must have their permission to share their details.
- We may refuse an application, or close an account, if KYC cannot be completed or we find false information.
3. Your login
You sign in with a one-time password (OTP) sent to your registered mobile number. Do not share an OTP with anyone. JMF staff will never ask for it. You are responsible for what is done through your login. Tell us at once if your phone or SIM is lost.
4. Phones sold on EMI
- A phone bought on EMI is secured by the JMF device app, which the shop installs before the phone is handed over. You agree that it stays installed until the last EMI is paid.
- If an EMI is overdue, the phone may be locked until payment is made. Calls to emergency numbers and to the shop remain possible.
- While EMIs are due, factory reset is blocked. If the phone is wiped, it cannot be used again until JMF releases it.
- You must not try to remove, disable or bypass the device app, change the phone’s software, or sell or hand the phone to someone else before the EMI is paid.
- When the final EMI is paid, the phone is released automatically and every restriction is lifted.
5. Loans, deposits and payments
- The amount, interest rate, EMI schedule, late fee and other charges are those shown in your signed agreement and in the app.
- A late fee may be charged on an overdue EMI, as set out in your agreement. JMF may waive it.
- A deposit may be suspended when instalments are missed, as set out in your deposit terms. While it is suspended, deposits and withdrawals are paused until it is reactivated.
- Pay only through the app, at the shop or to an authorised JMF collection agent, and keep the receipt. JMF is not responsible for money handed to anyone else.
6. Shops (JMF Partner)
- A shop must complete customer KYC truthfully, give the customer a copy of their agreement, and set up the device app before handing over the phone.
- A shop may lock or unlock only phones it sold, and only according to the customer’s agreement.
- Customer data seen in the Partner app may be used only to manage that customer’s EMI. It may not be copied, shared or sold.
- Activation keys and fees are as agreed with JMF. JMF may suspend a shop’s login for misuse.
7. Acceptable use
You must not use our services for anything unlawful, try to access another person’s account or data, interfere with our servers or apps, or copy or resell our software.
8. Availability
We work to keep the apps and website running, but they may sometimes be unavailable for maintenance or for reasons outside our control. A phone’s lock and unlock still work by SMS when the internet is down.
9. Liability
To the extent the law allows, JMF is not liable for indirect losses, or for loss caused by false information, a shared OTP, or a phone tampered with in breach of these terms. Nothing here limits any right you have under Indian consumer law.
10. Ending your use
You can stop using our services at any time and ask us to delete your account. Amounts you owe remain payable. The device app stays on a financed phone until its EMI is fully paid.
11. Changes
We may update these terms. The new version will be posted here with a new date. Changes to your loan or deposit terms are made only as your signed agreement allows.
12. Law and disputes
These terms are governed by the laws of India. Please contact us first at admin@jahanmobile.in or +91 96782 59925 so we can try to resolve the matter. Disputes that cannot be resolved this way are subject to the courts of Assam.