BillMart : Bill Discounting

BillMart is a digital FinTech platform designed to simplify access to financing solutions for eligible individuals and businesses through a secure and seamless digital journey. BillMart Offerings EmpCash EmpCash is BillMart’s salary-linked financing program that enables eligible salaried employees of partnered organisations to digitally apply for salary-linked loans through the BillMart platform.Available loan amount, tenure, interest rate, Annual Percentage Rate (“APR”), processing charges and other applicable terms depend upon the user's eligibility and the lending partner's applicable policies. Indicative Loan Terms Loan Amount: ₹1000 to ₹1000000 Repayment Tenure: upto 60 months Minimum APR: 9% per annum Maximum APR: 36% per annum, including applicable costs and fees The exact loan amount, applicable interest rate, APR, tenure, processing charges, EMI amount, repayment dates and other applicable charges are disclosed to the user before acceptance of the loan through the applicable Key Fact Statement (“KFS”) and Loan Agreement. Supply Chain Finance Registered and authorised business users can sign in to the BillMart mobile application to participate in applicable Supply Chain Finance programs. Depending on the applicable program, authorised business users can digitally: • Initiate financing transactions against available sanctioned limits; • Upload or provide invoice, purchase order and other transaction-related information; • View and track applicable financing transactions; • Add or update repayment-related information, where applicable; Availability of any financing facility is subject to eligibility, applicable program terms and approval by the respective regulated lending institution. RBI Compliance BillMart follows applicable RBI digital lending requirements and partners with RBI-registered and regulated Banks / NBFCs for providing eligible users access to loan and financing products. For loan products currently facilitated through the BillMart application, the lending partner is: FYNX Capital Limited (Formerly known as Rajath Finance Limited) RBI-registered Non-Banking Financial Company (NBFC) https://fynxcapital.com/ Data Safety & Security BillMart follows robust information security and data protection practices designed to safeguard user and business information. BillMart’s information security framework is supported by VAPT certified by a CERT-In empanelled auditor, SOC 3 compliance, and ISO/IEC 27001:2022 certification, reflecting BillMart’s commitment to maintaining robust information security and data protection standards. For more information on how BillMart collects, processes, stores and protects information, users can refer to the BillMart Privacy Policy - https://www.billmart.com/privacy-policy Customer Support For BillMart platform support: Email: [email protected] Website: www.billmart.com