Last Updated: Sep 2026

1. EPS Is a Financing Distribution & Integration Platform

Easy Pay Split (EPS) is a technology-enabled financing distribution and integration platform. EPS helps connect eligible healthcare and education businesses and customers with participating financing and lending partners.

2. EPS Is Not the Lender

EPS is not itself a bank, NBFC or lender unless expressly stated otherwise for a specific regulated product. EPS does not itself sanction, approve, underwrite or disburse loans or credit facilities.

3. Financing Is Provided by Lending Partners

Any loan, credit facility, EMI facility, deferred-payment arrangement or other financing product is offered by the relevant participating Lending Partner, subject to that partner’s eligibility criteria, credit assessment, KYC requirements, approval process, documentation, pricing, interest, fees, tenure and other applicable terms.

4. No Guarantee of Approval

Submitting an enquiry or application through EPS does not guarantee approval, sanction, disbursement or any particular financing amount, rate, tenure or repayment structure.

5. Credit Decisions

Credit decisions are made by the relevant Lending Partner. EPS does not control or guarantee the outcome of credit assessment. A Lending Partner may approve, decline, modify or withdraw an offer in accordance with applicable law, its policies and the terms communicated to the applicant.

6. Read the Financing Agreement

Before accepting a financing facility, customers should carefully review the sanction/approval communication, Key Fact Statement or equivalent disclosure, financing agreement and other documents issued by the relevant Lending Partner. The Lending Partner’s contractual terms govern the financing facility.

7. Rates, Fees and Charges

Interest rates, processing fees, late-payment charges, taxes, tenure, EMI amounts and other charges, if any, are determined and disclosed by the relevant Lending Partner. EPS does not guarantee the lowest rate, lowest fee or any specific commercial term.

8. No Financial Advice

Information presented on the EPS Website is for general information and facilitation purposes. EPS does not provide personalised financial, investment, tax, legal or credit advice through the Website.

9. Healthcare and Education

EPS may facilitate financing for eligible healthcare and education-related purchases or services. Financing availability may depend on the Merchant, service, Lending Partner, product and applicable eligibility criteria.

10. No Promise of Outcomes

EPS does not guarantee that financing will be available for every customer, merchant, transaction, healthcare service, education service or purchase.

11. Third-Party Lending Partners

Where financing is provided by a third-party Lending Partner, that partner is responsible for the financing product and its applicable regulated obligations. Customers should verify the identity of the relevant Lending Partner and review the partner’s official disclosures before accepting financing.

12. Questions and Complaints

For questions about EPS’s platform or financing-distribution services, contact [GENERAL CONTACT EMAIL]. For complaints concerning a lending decision, loan agreement, repayment, charges or servicing of a particular facility, customers should also use the grievance mechanism of the relevant Lending Partner.

13. Regulatory Position

The exact regulatory classification and contractual role of EPS may vary depending on the service, product and arrangement with each Lending Partner. EPS will operate its relevant activities in accordance with applicable law and contractual requirements.