Terms & Condition on No-Cost EMI

**Terms and Conditions for No-Cost EMI Offer from Lakkadhaara**

Welcome to Lakkadhaara! We are delighted to offer you our No-Cost EMI (Equated Monthly Installment) scheme, designed to provide you with an easy and convenient way to purchase our products. Please read the following terms and conditions carefully before availing this offer:

1. **Eligibility**:
- The No-Cost EMI offer is available to all customers who make purchases using eligible credit or debit cards issued by select banks and financial institutions.
- The offer is applicable only on select products listed on the Lakkadhaara website or authorized stores.

2. **Tenure and EMI Amount**:
- The EMI tenure options and corresponding monthly installments will be displayed at the time of purchase.
- Customers can choose from available EMI tenures as per their convenience.

3. **Interest and Processing Fees**:
- Under the No-Cost EMI scheme, Lakkadhaara will bear the interest cost applicable on the EMI.
- No additional processing fees will be charged by Lakkadhaara for availing the No-Cost EMI offer.
- However, customers are advised to check with their respective banks regarding any processing fees or charges that may be levied by the bank.

4. **Refunds and Cancellations**:
- In case of order cancellation or refund, the EMI will be cancelled and the amount already paid by the customer will be refunded as per the Lakkadhaara refund policy.
- Any interest or charges levied by the bank up to the date of cancellation/refund will be borne by the customer.

5. **Default in Payment**:
- The customer is responsible for ensuring timely payment of the EMI to the bank.
- Any default in payment may attract penalties or charges as per the bank’s policies and may affect the customer’s credit rating.

6. **Other Terms**:
- The No-Cost EMI offer is subject to availability and can be withdrawn or modified at the discretion of Lakkadhaara without prior notice.
- Lakkadhaara reserves the right to disqualify any customer from availing the No-Cost EMI offer if any fraudulent activity or misuse of the offer is suspected.
- The No-Cost EMI offer cannot be clubbed with any other promotional offers or discounts unless explicitly mentioned.

7. **Liability**:
- Lakkadhaara will not be liable for any loss or damage arising from the use of the No-Cost EMI offer or any issues related to the bank or financial institution’s services.

8. **Governing Law**:
- These terms and conditions are governed by the laws of the jurisdiction in which Lakkadhaara operates.
- Any disputes arising in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts of the said jurisdiction.

9. **Contact Information**:
- For any queries or assistance regarding the No-Cost EMI offer, customers can reach out to Lakkadhaara’s customer support team through the contact details provided on our website.

By availing of the No-Cost EMI offer, you agree to abide by these terms and conditions. We appreciate your understanding and look forward to providing you with an excellent shopping experience.

**Lakkadhaara Team**