Last updated: September 2026
By using EMIFlow you agree to these terms. Please read them — they're short on purpose.
EMIFlow is a personal record-keeping and reminder tool for loan EMIs. It is not a lender, not a loan aggregator, not a payment gateway, and does not process payments of any kind. Nothing in the app is financial advice.
You are responsible for the accuracy of the EMIs you enter and for making actual payments to your lender through your own channels. Always verify due dates and amounts with your lender — the app reflects only what you enter.
You must provide a mobile number or email you control and keep your password confidential. We may suspend accounts that abuse the service or attack its infrastructure.
EMIFlow is provided "as is". We work hard to keep it running and your data safe, but we can't guarantee it will always be available or error-free. To the maximum extent permitted by law, we are not liable for losses arising from missed payments, incorrect entries, or service downtime.
Lender and provider names and logos shown in the app (Paytm, PhonePe, Bajaj Finserv, Google Pay, and others) are trademarks of their respective owners. They appear only to help you identify your own EMIs. EMIFlow is not affiliated with, endorsed by, or partnered with any of them.
Questions about these terms: ajitjaat1011@gmail.com