ShopSe User will need to pay applicable EMI and interest on the total value of the order at the time of payment to the Financial Institution in accordance with the terms applicable to the Payment Instrument used. In the case of a no cost EMI transaction, the interest cost charged by the Financial Institution overtime is given back to you upfront at the time of the purchase and netted off in the Invoice amount. ShopSe is under no obligation or is not liable to the ShopSe User for crediting/providing any cashback unless and until the ShopSe Partner and/or the Financial Institution (providing the financing facility or the cashback offer through ShopSe platform) has provided the amount to ShopSe.