1. About FinoFirst

FinoFirst is a financial services platform that assists individuals and businesses in connecting with leading Banks, NBFCs, and financial institutions for various loan products, including but not limited to:

• Personal Loans
• Business Loans
• Home Loans
• Loan Against Property (LAP)
• Working Capital Loans
• Overdraft Facilities
• Balance Transfer Loans
• Other Financial Products

FinoFirst acts as a loan facilitation and assistance platform. We are not a direct lender, unless explicitly stated.

2. Eligibility

By using our services, you confirm that:

• You are at least 18 years of age.
• You are legally capable of entering into a binding agreement.
• The information provided by you is true, complete, and accurate.
• You will promptly update any information if it changes.

3. Use of Our Services

You agree to use the FinoFirst website only for lawful purposes.

You shall not:

• Provide false or misleading information.
• Attempt to gain unauthorized access to our systems.
• Upload malicious software, viruses, or harmful content.
• Misuse or interfere with the operation of the website.
• Use the website for fraudulent or illegal activities.

4. Loan Approval Disclaimer

FinoFirst does not guarantee:

• Loan approval.
• Loan amount.
• Interest rates.
• Processing time.
• Loan disbursement.

Loan approval is solely at the discretion of the respective Bank, NBFC, or lending institution based on their internal policies, eligibility criteria, credit assessment, documentation, and applicable laws.

5. User Responsibilities

You agree to:

• Provide genuine and accurate information.
• Submit authentic documents.
• Cooperate during the verification process.
• Maintain confidentiality of your account details, if applicable.

Any incorrect, incomplete, or fraudulent information may result in rejection of your application or legal action where applicable.

6. Third-Party Services

FinoFirst works with multiple Banks, NBFCs, and financial partners.

By submitting your application, you authorize FinoFirst to share your information with relevant lending partners for the purpose of evaluating your loan application.

FinoFirst is not responsible for the decisions, policies, services, or actions of third-party lenders.

7. Fees and Charges

Submitting a loan enquiry through FinoFirst is generally free unless otherwise communicated.

Any processing fees, documentation charges, insurance charges, legal fees, or other applicable charges are determined by the respective lender and will be communicated by them before loan disbursement.

8. Intellectual Property

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

• Logo
• Brand Name
• Graphics
• Text
• Images
• Icons
• Website Design
• Software
• Content

is the intellectual property of FinoFirst or its licensors and is protected under applicable copyright, trademark, and intellectual property laws.

No content may be copied, reproduced, modified, distributed, or published without prior written permission from FinoFirst.

9. Limitation of Liability

FinoFirst shall not be liable for:

• Rejection of any loan application.
• Delays in loan processing.
• Changes in lender policies.
• Errors caused by third-party service providers.
• Technical interruptions or website downtime.
• Losses arising from reliance on information available on the website.

Your use of our services is at your own risk.

10. Privacy

Your use of our website is also governed by our Privacy Policy.

By using our services, you consent to the collection, storage, processing, and sharing of your personal information as described in our Privacy Policy.

11. Website Availability

While we strive to keep our website operational at all times, we do not guarantee uninterrupted or error-free access.

We reserve the right to suspend, modify, update, or discontinue any part of the website without prior notice.

12. Indemnification

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

• Your misuse of the website.
• Violation of these Terms.
• Submission of false information.
• Violation of any applicable law or third-party rights.

13. Termination

FinoFirst reserves the right to suspend or terminate access to its website or services without prior notice if:

• These Terms are violated.
• Fraudulent activity is suspected.
• Misuse of the platform is detected.
• Required by law.

14. Governing Law

These Terms & Conditions 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 competent courts in India.

15. Changes to Terms & Conditions

FinoFirst reserves the right to revise or update these Terms & Conditions at any time.

Updated versions will be published on this page with the revised “Last Updated” date.

Continued use of the website after such changes constitutes your acceptance of the updated Terms.

16. Contact Us

If you have any questions regarding these Terms & Conditions, please contact us:

FinoFirst

Email: info@finofirst.com

Phone: +91 9910622963

We will respond to your queries as soon as reasonably possible.

Acceptance of Terms

By accessing the FinoFirst website, submitting a loan enquiry, or using any of our services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions in full.