Legal centre
The documents, in full
12 documents, 471 numbered clauses. Written to be read rather than to be impenetrable, each with a plain-language summary at the top and a PDF you can download, print and file.
- Plain-language summary before the formal text
- Numbered clauses so anything can be cited precisely
- Downloadable PDF with logo and watermark
- Version and effective date on every document
Read this first
Khepee is a technology service provider operated by Lacspace Corporation Pvt. Ltd. It is not a bank or financial institution. It does not lend, does not accept deposits and does not hold customer funds. Lending products are provided by partner institutions licensed by Nepal Rastra Bank, and all credit decisions are theirs.
These documents are provided in good faith and describe how the platform actually works. They are not legal advice. Partner institutions should have their own counsel review them, and borrowers should seek independent advice if unsure about a loan.
For everyone
Everyone
The documents that apply to anyone using the website or the app.
Terms of Service
The terms governing use of the Khepee website, borrower app and platform — including the crucial point that Khepee is not your lender.
Download PDFPrivacy Policy
What personal data we collect, why, who can see it, how long we keep it, and the rights you have over it.
Download PDFRegulatory Disclosures & Warnings
Khepee’s regulatory position stated in full: what we are, what we are not, the NRB rules the platform enforces, and the risk warnings every borrower should read.
Download PDFAcceptable Use Policy
What may and may not be done on the platform, by borrowers, partner personnel and anyone else.
Download PDFCookie Policy
What this website stores in your browser, why, and how to control it.
Download PDF
For borrowers
Borrowers
Written for borrowers rather than for institutions — your rights, our conduct, and how to complain.
Borrower Rights Charter
What every borrower is entitled to expect — written for borrowers rather than for institutions, and enforceable through the grievance process.
Download PDFCode of Conduct
The standards we hold ourselves and our partners to — particularly around collections, borrower treatment and honest representation.
Download PDFGrievance Redressal Policy
How to complain, who handles it, how long it takes, and how to escalate — including to Nepal Rastra Bank where your lender is involved.
Download PDF
For partner institutions
Partner institutions
For licensed banks and financial institutions evaluating or using the platform.
Partner Institution Terms
The framework terms on which Khepee is supplied to a licensed bank or financial institution — scope, responsibilities, data roles, liability and exit.
Download PDFAML & KYC Policy
How identity verification and anti-money-laundering controls work on the platform, and the division of responsibility between Khepee and the licensed institution.
Download PDFData Retention & Deletion Schedule
Exactly how long each category of data is kept, why, and what happens when the period ends.
Download PDF
For security researchers
Security researchers
How to report a vulnerability, and what we commit to in return.
Questions
Who to write to
Every address below has a named owner. A single generic inbox is how a grievance ends up with no evidence of when it was received.
Legal notices
Privacy & data
Regulatory
Grievances
Kathmandu, Nepal · +977 9705 300600