Welcome to FlexPay.in ("FlexSalary", "FlexPay", "FlexPay Loan","Website", "site"), an offering from Vivifi India Finance Pvt Ltd ("Company", "we", "us", "our"). Vivifi India Finance Pvt Ltd is a Non-Deposit Taking Non-Banking Financial Company licensed by the Reserve Bank of India. The Company offers short-term loans pursuant to a written agreement between us and a customer establishing an open-ended credit plan under which we contemplate repeated non-commercial loans for personal, family, or household purposes, that are unsecured, without fixed maturities or limitations as to the length of term and subjected to prepayment in whole or in part at any time without penalty.

These loans are intended to address short-term financial needs only and are governed by the terms of the Vivifi Loan Agreement and the applicable laws of India. Vivifi India Finance Pvt Ltd, in whole, is not a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India. Vivifi provides website features and other products and services to you when you visit FlexPay.in, use the Company's financial products, use Vivifi applications for mobile, or use software provided by Vivifi in connection with any of the foregoing (collectively, "Services"). Vivifi provides the Services subject to the following terms and conditions.

By using Vivifi Services, you agree to these conditions as listed out in this agreement. Please read them carefully.

The following is a legal agreement (the "Agreement") between you and Vivifi India Finance Pvt Ltd (interchangeably used as "Vivifi", "Company", "we", "us", "our", "Mobile Application", "Mobile App", "App", "FlexSalary.com", "FlexSalary", "Flexpay.in", "FlexPay", "FlexPay Loan", "Website" or "Site") that sets forth the terms and conditions of your use of FlexPay.in. Use of the Website is conditioned on your acceptance, without modification, of the Agreement. Please carefully review the Agreement before using this Website. Your use of the Website constitutes your acceptance of all the terms, conditions, and notices contained in the Agreement. This Agreement supersedes any previous terms and conditions to which you and FlexPay may have been bound. If you do not agree to these terms, please do not access our websites, apps or avail any Services.

Your use of this Site and any Term and Conditions stated in this Agreement is subject to laws of India. In case of any disputes arising out of the use of the Website and Mobile Application, Courts of Telangana will have exclusive jurisdiction.

We offer a wide range of Services, and sometimes additional terms may apply. When you use a Vivifi Service (for example, Your Profile, Loan, or applications for mobile) you will also be subject to the guidelines, terms and agreements applicable to that Service ("Service Terms") or the Loan Agreement Terms. If the Terms and Conditions of this agreement are inconsistent with the Service Terms or Vivifi Loan Agreement terms, those Terms will control.

Vivifi provides a service that allows you to apply for a financial loan and receive emails, sms, whatsapp or calls pertaining to your application, its processing and through the term of your account with us. You understand and agree that if you request a product or service, such as a loan, or any other service relating to finances offered, Vivifi will share your information with certain business partners and/or unrelated third-party companies to process and fulfil your request.

You further agree that by submitting information to Vivifi, you consent to allow us to contact you by telephone, email or mail, even if you have opted into the National Do Not Call List or any other Do Not Call List.


This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. This Agreement shall be subject to any other agreements you have entered with Vivifi. All rights not expressly granted herein are hereby reserved.

No joint venture, partnership, employment, or agency relationship exists between you and Vivifi as a result of this Agreement or use of the Website. Vivifi's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Vivifi's right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by Vivifi with respect to such use.

  • Citizen of India
  • Salaried employees or self-employed individuals.
  • Minimum age: 21 years

  • PAN
  • Identity Proof (Aadhaar / Driver's License / Passport / Voter ID / PAN)
  • Address Proof (Driving License / Utility Bills / Aadhaar / Passport / Bank Statements / Voter ID)
  • Photo with the applicant's face clearly visible (you will be prompted to take a selfie or upload a photo)
  • Net Banking Verification for validating your bank account and salary information


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