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Terms & Conditions

These Terms & Conditions (“Terms”, “Terms & Conditions”) govern access to and use of the website, membership services, referral services, information, products, and other services provided by India Fincare (“India Fincare”, “Company”, “we”, “us”, or “our”).

These Terms apply to all customers, users, visitors, referral partners, and other persons accessing or using our website or services.

By accessing, browsing, registering on, purchasing from, or otherwise using our website or services, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions and all applicable laws and regulations. If you do not agree with these Terms, you should not use our website or services.

1. Acceptance of Terms

By accessing or using the India Fincare website or services, you agree to comply with these Terms & Conditions.

Your continued use of the website after any changes to these Terms will constitute your acceptance of the revised Terms.

If you are using our services on behalf of an organization, you represent that you are authorized to accept these Terms on behalf of that organization.

2. Definitions

For the purposes of these Terms:

  • “Company”, “India Fincare”, “we”, “us”, or “our” means India Fincare and its authorized representatives.

  • “User”, “Customer”, or “you” means any person accessing or using our website or services.

  • “Membership Card” means the membership product offered by India Fincare subject to the applicable terms.

  • “Referral Partner” means a person or entity authorized to refer customers to India Fincare under an applicable referral arrangement.

  • “Services” means the website, membership services, loan assistance-related services, referral services, information, customer support, and other services offered by India Fincare.

  • “Third-Party Service Provider” means any bank, financial institution, payment gateway, technology provider, or other external service provider.

3. Information We Collect

We may collect information provided by you through applications, registrations, enquiries, forms, communications, and other interactions with us, including where applicable:

  • Name and contact information;

  • Address and identification details;

  • Employment and occupation details;

  • Income and financial information;

  • Assets and liabilities;

  • Information relating to loan applications;

  • Information relating to membership purchases;

  • Transaction and payment information;

  • Information received from financial institutions, banks, brokers, or other authorized service providers, where permitted by applicable law.

The collection, use, storage, and processing of personal information will be handled in accordance with our applicable Privacy Policy and applicable law.

4. User Eligibility & Obligations

To use our services, you must provide information that is accurate, complete, and current.

Unless a specific service has different eligibility requirements, users must be legally capable of entering into a binding agreement under applicable law.

You agree to:

  • Provide accurate and genuine information;

  • Submit authentic and valid documents;

  • Keep your contact information updated;

  • Cooperate with verification and documentation requirements;

  • Use the website only for lawful purposes;

  • Not misuse the website or services;

  • Not impersonate another person or provide false information;

  • Not attempt to gain unauthorized access to our systems;

  • Not interfere with the security, operation, or functionality of the website.

India Fincare reserves the right to refuse, suspend, or discontinue services where information provided by a user is inaccurate, fraudulent, incomplete, or misleading.

5. Prohibited Activities

Users must not:

  • Submit forged, altered, fraudulent, or misleading documents;

  • Provide false financial or personal information;

  • Impersonate another person or organization;

  • Use the website for unlawful purposes;

  • Attempt to obtain unauthorized access to our systems;

  • Introduce viruses, malware, malicious code, or harmful software;

  • Copy, reproduce, modify, or exploit website content without authorization;

  • Attempt to interfere with website security or availability;

  • Use automated systems to scrape, extract, or collect website information without permission;

  • Defame, harass, threaten, or unlawfully harm India Fincare, its employees, representatives, partners, or customers.

Where permitted by law, India Fincare reserves the right to take appropriate legal action against persons or organizations involved in fraud, misuse, unlawful activities, or intentional defamation of the Company or its representatives.

6. Membership Card Terms & Conditions

  • Membership Card fees are refundable only in accordance with the Company's Refund & Cancellation Policy.

  • The India Fincare Membership Card is non-transferable and valid only until its expiry date.

  • The Membership Card is not a payment card, debit card, or credit card.

  • The Membership Card does not itself represent a loan sanction, credit facility, or guarantee of loan approval.

  • Lost, stolen, or damaged Membership Cards should be reported to the Company immediately.

  • Replacement cards may be issued subject to applicable replacement charges.

  • Membership renewal is subject to the Company's applicable policies and discretion.

  • Membership benefits may be subject to eligibility criteria and applicable terms communicated by the Company.

7. Pricing & Payments

All applicable membership fees, service-related charges, taxes, payment terms, and other applicable amounts will be communicated to the customer before or during the relevant transaction.

  • Customers are responsible for applicable taxes and charges required by law.

  • Payments must be made through the payment methods made available by India Fincare or its authorized payment service providers.

  • A transaction may be subject to the terms and conditions of the applicable payment gateway or financial institution.

  • Payment confirmation may be subject to successful processing by the relevant payment service provider.

  • Billing cycles, renewals, and recurring payments, where applicable, will be governed by the applicable product or service terms.

  • Any refund will be processed in accordance with the Company's Refund & Cancellation Policy.

  • Bank, payment gateway, or financial institution charges, where applicable, may be governed by the respective provider's policies.

India Fincare reserves the right to modify applicable fees or pricing for future transactions by providing appropriate notice or updating the relevant website/service information.

8. Customer Terms & Conditions

  • India Fincare charges the applicable Membership Card fee as communicated to the customer.

  • Purchasing a Membership Card may allow a customer to apply for a loan but does not guarantee loan approval.

  • Loan approval, loan amount, interest rate, tenure, fees, and other loan terms are determined by the relevant bank or financial institution and depend on the customer's eligibility and profile.

  • India Fincare does not guarantee approval of any loan application.

  • If a loan application is rejected, customers may continue to use other eligible Membership Card benefits, subject to applicable terms.

  • Membership Card payments will not be refunded merely because a customer cancels or discontinues a loan process after initiation, except where a refund is permitted under the applicable Refund & Cancellation Policy.

  • Customers must provide accurate personal, employment, financial, credit, and other information requested during the service process.

  • Customers must provide genuine and valid documents.

  • Submission of fraudulent, forged, or manipulated documents may result in cancellation of the application and/or legal action.

  • Bank and financial institution charges may apply according to the respective institution's policies.

  • India Fincare may facilitate or submit customer information/documents to relevant banks or financial institutions based on eligibility and applicable authorization.

  • If a customer cannot be contacted for a prolonged period or fails to provide required information/documents, the application may be delayed, closed, or rejected.

9. No Guarantee of Loan Approval

India Fincare provides assistance, information, membership, or related services but does not guarantee that a customer will receive a loan.

The final decision regarding loan approval, rejection, loan amount, interest rate, tenure, fees, security requirements, and other conditions rests with the relevant bank or financial institution.

India Fincare is not responsible for a bank or financial institution's independent lending decision.

10. Intellectual Property Rights

All content available on the India Fincare website, including but not limited to:

  • Company logos and trademarks;

  • Brand names;

  • Text and written content;

  • Images and graphics;

  • Website designs;

  • Layouts;

  • Videos;

  • Software;

  • Source code;

  • Icons;

  • Marketing materials;

  • Documents; and

  • Other intellectual property

is owned by or licensed to India Fincare unless otherwise stated.

You may not reproduce, copy, distribute, modify, publish, transmit, sell, license, or commercially exploit such content without prior written permission from India Fincare.

Unauthorized use of Company trademarks, logos, content, or other intellectual property may result in appropriate legal action.

11. Referral Terms & Conditions

  • Referral payouts are provided according to the applicable referral agreement and Company rules.

  • Referral payouts are based on eligible membership purchases and are not based on loan approval.

  • Referral Partners must complete the applicable payout agreement/documentation with India Fincare before receiving payouts.

  • Applicable tax deductions, including TDS where required by law, may be deducted from referral payouts.

  • If a customer transaction is refunded, cancelled, reversed, or otherwise becomes ineligible, the corresponding referral payout may be adjusted or recovered.

  • Referral Partners must not make false, misleading, unauthorized, or guaranteed statements regarding India Fincare's services or loan approval.

  • Referral Partners must not represent themselves as employees, agents, or authorized representatives of India Fincare unless expressly authorized.

  • India Fincare is not responsible for unauthorized commitments, representations, promises, or statements made by Referral Partners.

12. Third-Party Links & Services Disclaimer

Our website may contain links, integrations, payment services, financial institution services, advertisements, or references to third-party websites and services.

Third-party services are operated independently and may have their own terms, privacy policies, fees, and conditions.

India Fincare does not control or guarantee the availability, accuracy, security, reliability, or performance of third-party websites or services.

Your use of third-party services is at your own discretion and may be subject to the terms and policies of the relevant third party.

13. Limitation of Liability

To the maximum extent permitted by applicable law, India Fincare and its officers, employees, representatives, partners, and service providers shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from or relating to the use of the website or services.

This may include, where legally permitted:

  • Loss of profits;

  • Loss of business opportunities;

  • Loss of data;

  • Business interruption;

  • Loss arising from third-party services;

  • Delays caused by banks, financial institutions, payment gateways, telecommunications providers, or other external service providers.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

14. Website Availability & Security

We make reasonable efforts to keep our website available and functional. However, we do not guarantee that the website will always be uninterrupted, error-free, secure, or available.

The website may occasionally be unavailable due to:

  • Maintenance;

  • Technical problems;

  • Server failures;

  • Internet/network issues;

  • Security incidents;

  • Third-party service interruptions;

  • Force majeure events; or

  • Other circumstances beyond our reasonable control.

15. Termination & Suspension Rights

India Fincare may, subject to applicable law, suspend, restrict, or terminate a user's access to the website or services where:

  • The user violates these Terms;

  • False, fraudulent, or misleading information is provided;

  • Fraudulent or forged documents are submitted;

  • The user engages in unlawful activities;

  • The user attempts to misuse the website or services;

  • The user compromises website or system security;

  • Payment obligations are not fulfilled; or

  • Suspension or termination is otherwise reasonably necessary to protect the Company, users, or third parties.

Termination or suspension will not affect rights or obligations that accrued before termination.

16. Promotions & Offers

Promotional offers, campaigns, discounts, referral programs, contests, or other promotional activities conducted by India Fincare may have separate terms and conditions.

Such terms will be communicated to customers or displayed during the relevant promotion.

India Fincare reserves the right to modify, suspend, or withdraw a promotional offer in accordance with applicable law and the specific promotional terms.

17. Testimonials, Images & Promotional Content

Where permitted by applicable law and with appropriate consent where required, India Fincare may use customer testimonials, names, photographs, reviews, or feedback for promotional and marketing purposes.

Customers may contact India Fincare regarding the use of their personal information or promotional content in accordance with the applicable Privacy Policy and law.

18. Call Recording & Communications

India Fincare may record calls or other communications for purposes including:

  • Service quality;

  • Training;

  • Verification;

  • Security;

  • Fraud prevention;

  • Complaint handling; and

  • Compliance with applicable legal requirements.

Where required, appropriate notice or consent will be provided.

19. Modification of Terms

India Fincare reserves the right to modify, update, add, or remove provisions of these Terms & Conditions from time to time.

Changes may be made to reflect:

  • Changes in services;

  • Changes in business practices;

  • Changes in applicable law or regulatory requirements;

  • Security requirements; or

  • Other operational requirements.

Updated Terms will be published on the website with the applicable “Last Updated” date.

Your continued use of the website after updated Terms are published constitutes acceptance of the revised Terms, subject to applicable law.

20. Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India.

Subject to applicable law, courts having jurisdiction in Surat, Gujarat, India shall have jurisdiction over disputes arising out of or relating to these Terms or the use of India Fincare's services.

Nothing in this clause prevents a consumer from exercising any mandatory rights or remedies available under applicable law.

21. Complaints & Customer Support

Customers may contact India Fincare through the customer support channels provided on the website for questions, complaints, service-related issues, or clarification regarding these Terms.

The Company will make reasonable efforts to address customer concerns in accordance with its applicable policies and legal obligations.

22. Cookies Policy

Cookies are small files stored on your device through your web browser. They may allow the website to recognize your browser, remember preferences, improve functionality, analyze website traffic, and improve user experience.

By using our website, you consent to the use of cookies in accordance with our applicable Cookies Policy and browser settings.

23. Privacy & Personal Information

The collection, use, storage, sharing, and processing of personal information will be governed by India Fincare's Privacy Policy and applicable law.

Users should review the Privacy Policy before submitting personal or financial information through the website.

24. Force Majeure

India Fincare shall not be responsible for delay or failure to perform its obligations where such delay or failure results from circumstances beyond its reasonable control, including natural disasters, fire, flood, war, government actions, telecommunications failures, internet outages, cyber incidents, strikes, technical failures, or other similar events.

25. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable by a competent authority, that provision shall be modified or removed to the extent necessary, while the remaining provisions shall continue to remain in effect to the extent permitted by law.

26. Entire Agreement

These Terms, together with the applicable Privacy Policy, Refund & Cancellation Policy, Cookies Policy, Membership Terms, Referral Agreement, and other policies specifically applicable to a service, constitute the terms governing your use of the relevant India Fincare services.

27. Customer Acknowledgement

By accessing or using India Fincare's website or services, you acknowledge that:

  • You have read and understood these Terms & Conditions;

  • You agree to comply with these Terms;

  • The information provided by you is accurate and genuine;

  • You understand that membership does not guarantee loan approval;

  • You understand that final loan decisions are made by the relevant bank or financial institution;

  • You agree to applicable policies governing refunds, privacy, cookies, and other services.

India Fincare

For customer support, please use the contact details published on the official India Fincare website.