Terms and Conditions

Welcome to fincrif.com (referred to as the "Site"), operated by fincrif India Private Limited ("FIPL"). By accessing or using this Site, you agree to comply with and be bound by the following terms and conditions of use (referred to as the "Terms"). Before accessing the Site, carefully review and accept all the terms in this Terms of Use document and the linked Privacy Policy. We recommend reviewing all linked information as it is considered part of these Terms. Your use of any feature on the Site indicates your acceptance of these Terms. In case of conflicts between documents, these Terms prevail for Site usage. If you disagree with these Terms or the Privacy Policy, refrain from using the Site. Please revisit this page periodically for updates. FIPL reserves the right to modify these Terms at any time without prior notice, and your continued use of the Site implies acceptance of such modifications.

1. Services Description FIPL offers users access to information primarily related to Financial and Utility Services, including but not limited to Loans and Credit Cards. You are responsible for obtaining access to the Site, including any associated third-party fees. By using this Site and providing personal/contact details, you express interest in availing and purchasing selected services. FIPL may contact you electronically or by phone to understand your preferences and fulfill your requests. Additionally, FIPL may share your details with partners for informational and sales purposes via email, telephone, WhatsApp, or SMS. By using the Site, you consent to receive promotional materials and special offers from FIPL through email, WhatsApp, or SMS.

2. License and Site Access FIPL grants you a limited, revocable, non-exclusive license to access and use the Site and its services for personal, non-commercial purposes. This license does not permit downloading or copying of information for third-party benefit, unauthorized linking, or posting of prohibited content. You agree not to bypass any access restrictions implemented by FIPL. Unauthorized use terminates the granted license. By using the Site, you agree not to engage in commercial activities, speculative transactions, or any action that may disrupt the Site's functionality.

3. Eligibility The Service is only available to individuals aged 18 and above and not suspended or removed by FIPL. By using the Site, you represent and warrant that you meet these eligibility requirements.

4. Your Account You certify that you are of legal age to enter into contracts and will use the Site for legitimate purposes. Provide accurate information about yourself and inform others for whom you make purchases about applicable terms. FIPL reserves the right to deny access or terminate accounts for non-compliance.

5. Submitted Content You retain ownership of materials you submit to the Site. By submitting content, you grant FIPL a perpetual, irrevocable, non-terminable, worldwide, royalty-free, and non-exclusive license to use and distribute such materials. Ensure submitted content does not violate any rights or contain prohibited material. FIPL holds no responsibility for user-submitted content.

6. Disclaimer FIPL does not guarantee online availability or impressions of the Site. FIPL reserves the right to approve or reject any advertising material posted on the Site.

7. License Disclaimer No content on the Site confers a license under FIPL's or any third party's intellectual property rights.

8. Local Laws You agree to comply with local laws when using the Site from locations outside India.

9. Limitation of Liability FIPL and its affiliates are not liable for any damages arising from Site usage. If found liable, FIPL's maximum liability is limited to the service fees paid or INR 100, whichever is greater.

10. Indemnity You agree to indemnify FIPL against any claims arising from your breach of these terms or violation of laws or third-party rights.

11. Electronic Communication You consent to receive communications from FIPL electronically, including emails and notices on the Site.

12. Site-Provided Message Postings FIPL is not obligated to review user-posted messages but reserves the right to monitor and remove inappropriate content. Users agree not to post prohibited content.

13. Links FIPL is not responsible for external websites linked to the Site and disclaims liability for their content or availability.

14. Access to Secure Areas Access to password-protected areas is restricted to authorized users. Unauthorized access may result in legal action.

15. Modification and Notification of Changes FIPL may modify these terms at any time, with notice provided on the Site.

16. Trademarks Use of trademarks or content from the Site for commercial purposes is prohibited without permission.

17. Survival of Terms After Agreement Ends Certain provisions of these terms survive termination or expiration of the agreement.

18. General If any term is deemed invalid, the remaining terms remain in effect. These terms are governed by Indian law, with disputes subject to the jurisdiction of Delhi courts. These terms constitute the entire agreement between you and FIPL regarding Site usage.