Last updated: January 2026

Welcome to PhoneEMI. By accessing or using PhoneEMI.com, you agree to these Terms & Conditions.

1. Platform Usage

PhoneEMI is an online platform operated by FonoBig Private Limited that enables customers to discover and purchase mobile phones using EMI options through third-party sellers and financial partners.

PhoneEMI does not manufacture, own, or directly sell products listed on the platform.

2. Eligibility

To use PhoneEMI, you must:

  • Be at least 18 years old

  • Provide accurate and complete information

  • Agree to comply with applicable Indian laws

3. Orders & Payments

  • Product prices, availability, and EMI options are determined by sellers and financial partners.

  • EMI approval is subject to bank or finance partner policies.

  • All payments are processed via secure, PCI-DSS compliant payment gateways.

  • PhoneEMI does not store card or banking information.

4. Cancellations & Refunds

  • Order cancellation and refunds are subject to seller and payment partner policies.

  • Processing time may vary based on the payment method used.

  • Convenience or gateway charges may be non-refundable.

5. User Responsibilities

You agree not to:

  • Misuse the platform

  • Provide false or misleading information

  • Attempt fraud or unauthorized access

Violation may lead to suspension or termination of access.

6. Limitation of Liability

PhoneEMI shall not be liable for:

  • Seller delays or product issues

  • EMI approval or rejection decisions

  • Technical issues beyond reasonable control

7. Intellectual Property

All content, logos, and branding on PhoneEMI.com are the property of FonoBig Private Limited and may not be used without permission.

8. Governing Law

These terms are governed by Indian law. Courts in Nashik, Maharashtra shall have exclusive jurisdiction.