Legal & Compliance

Terms & Conditions

Please read these terms carefully before using our Platform

Welcome to the website and services of FINOLINK BUSINESS CONSULTING PVT. LTD. These Terms and Conditions ("Terms") govern your access to and use of our website, mobile applications, products, services, and related platforms (collectively referred to as the "Platform"). By accessing or using the Platform, you agree to be legally bound by these Terms and our Privacy Policy. If you do not agree with these Terms, please do not use our Platform.
01

Description of Services

FINOLINK BUSINESS CONSULTING PVT. LTD. provides information, comparison, referral, consulting, lead-generation, and facilitation services related to financial and business products, including:

Personal Loans Business Loans Home Loans Loan Against Property Credit Cards Insurance Products Investment Products Utility & Financial Services Allied Business Solutions
FINOLINK does not guarantee approval of any financial product. Approvals, disbursements, pricing, eligibility, and terms are solely determined by the respective banks, NBFCs, financial institutions, insurance providers, or service partners.

By submitting your information through the Platform, you authorize FINOLINK and its authorized partners to contact you via phone calls, SMS, email, WhatsApp, or other communication channels regarding products and services you have expressed interest in.

02

Acceptance of Terms

Your use of the Platform constitutes acceptance of these Terms and our Privacy Policy.

We reserve the right to modify these Terms at any time. Continued use of the Platform after such modifications constitutes your acceptance of the revised Terms.
03

Eligibility

You may use the Platform only if:

You are at least 18 years of age
You are legally competent to enter into binding contracts
You are not prohibited from using our services under any applicable law

FINOLINK reserves the right to refuse service or terminate access at its sole discretion.

04

User Registration and Account

Where registration is required, you agree to:

Provide accurate and complete information
Maintain and update your information
Keep login credentials confidential
Be responsible for all account activities

FINOLINK reserves the right to suspend or terminate accounts containing false, misleading, or incomplete information.

05

Consent to Communication

By registering on our Platform, you expressly consent to receiving communications from FINOLINK and its authorized partners through:

Telephone Calls SMS WhatsApp Messages Emails Push Notifications Other Electronic Means

Communications may include:

Product Information Service Updates Promotional Offers Application Status Customer Support

Such consent remains valid until withdrawn by you in accordance with applicable laws.

06

License and Use of the Platform

FINOLINK grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal and lawful purposes.

You shall not:

  • Copy or commercially exploit content
  • Use bots, crawlers, or scrapers
  • Attempt unauthorized system access
  • Interfere with Platform functionality
  • Upload malware or harmful software
  • Use for unlawful activities
Any unauthorized use may result in suspension, termination, and legal action.
07

User Content

Any information, comments, reviews, suggestions, feedback, or materials submitted by you may be used by FINOLINK for business purposes. By submitting content, you grant FINOLINK a worldwide, royalty-free, perpetual, non-exclusive license to use, reproduce, modify, publish, and distribute such content.

You represent that:

You own or have rights to the content submitted
Content does not violate any law or third-party rights
Content is not defamatory, unlawful, misleading, or offensive
08

Third-Party Products and Services

FINOLINK acts as a facilitator and intermediary between users and third-party providers.

We do not:

Issue Loans Provide Banking Services Underwrite Insurance Policies Guarantee Application Approvals Control Third-Party Decisions
All decisions regarding products and services remain solely with the respective provider. Users are encouraged to independently evaluate all products before making any decision.
09

Intellectual Property Rights

All content available on the Platform is owned by or licensed to FINOLINK and protected under applicable intellectual property laws, including:

Logos & Trademarks Graphics & Designs Text & Software Databases
No content may be copied, reproduced, distributed, or used without prior written permission from FINOLINK.
10

Privacy

Your use of the Platform is also governed by our Privacy Policy. By using the Platform, you consent to the collection, use, storage, and sharing of information as described in the Privacy Policy.

11

Disclaimer of Warranties

The Platform and all information, content, and services are provided on an "AS IS" and "AS AVAILABLE" basis.

FINOLINK makes no representations or warranties regarding accuracy of information, availability of services, suitability of products, uninterrupted access, or error-free operation.

Users rely upon information and services at their own risk.
12

Limitation of Liability

To the maximum extent permitted by law, FINOLINK, its directors, officers, employees, affiliates, and partners shall not be liable for indirect, incidental, consequential damages, loss of profits, business opportunities, or data arising from use of the Platform, inability to access the Platform, third-party services, or reliance on information available through the Platform.

In any event, FINOLINK's aggregate liability shall not exceed INR 1,000 or the amount paid by the user for services, whichever is lower.
13

Indemnification

You agree to indemnify and hold harmless FINOLINK, its directors, officers, employees, affiliates, agents, and partners against any claims, liabilities, damages, losses, expenses, or legal costs arising from:

Violation of these Terms Misuse of the Platform Violation of Applicable Laws Infringement of Third-Party Rights
14

Third-Party Links

The Platform may contain links to third-party websites. FINOLINK is not responsible for content, privacy practices, security measures, or products and services offered by third parties.

Accessing third-party websites is entirely at your own risk.
15

Security

Users are responsible for maintaining the confidentiality of their login credentials. Unauthorized access attempts, hacking, misuse, or security breaches may result in legal action.

16

Suspension and Termination

FINOLINK may suspend or terminate access to the Platform without prior notice if:

Terms are Violated Fraudulent Activity Suspected Regulatory Requirements Harmful User Conduct
17

Governing Law and Jurisdiction

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

Any disputes arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in Ghaziabad, Uttar Pradesh, unless otherwise required by applicable law.
18

Force Majeure

FINOLINK shall not be liable for delays or failures in performance caused by events beyond its reasonable control, including:

Natural Disasters Government Actions Network Failures Cyber-Attacks Pandemic Events Utility Disruptions
19

Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

20

Contact Information

For any questions or concerns regarding these Terms and Conditions, please reach out to us through the details below.