Terms & Conditions

1. Acceptance of Terms

By accessing or using the Finseich website (www.finseich.com), mobile application, or any of our services, you agree to be bound by these Terms and Conditions ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

We reserve the right to modify these Terms at any time. Continued use of our services after any changes constitutes your acceptance of the revised Terms.

2. Description of Services

Finseich is a financial products distribution platform that provides the following services:

• Loan comparison and application facilitation (personal, home, business, car, education, gold, and other loans)
• Insurance plan comparison and policy issuance (life, health, general insurance)
• Credit score (CIBIL) check and financial advisory information
• Direct Selling Agent (DSA) partner registration and commission management
• Financial education content through blogs and guides

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident citizen or Non-Resident Indian (NRI)
• Provide accurate, complete, and current information during registration or application
• Have the legal capacity to enter into binding contracts under Indian law
• Not have been previously barred or suspended from using our services

Use of our services by persons under 18 is strictly prohibited. By using our services, you represent and warrant that you meet all eligibility requirements.

4. User Accounts & Responsibilities

When you create an account or submit an application with Finseich, you agree to:

• Provide truthful, accurate, and complete information at all times
• Promptly update any information that becomes outdated or incorrect
• Maintain the confidentiality of your login credentials
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities conducted through your account

Submission of false or misleading information may result in immediate termination of services and may be reported to relevant authorities.

5. Loan Services — Specific Terms

5.1 Role of Finseich

Finseich acts as a loan distribution agent and does not lend money directly. We connect borrowers with partner lenders. Loan approval, interest rates, EMIs, and disbursals are at the sole discretion of the respective lending institution.

5.2 No Guarantee of Approval

Submission of a loan application through Finseich does not guarantee loan approval. Lenders may reject applications based on their internal credit policies, which are beyond our control.

5.3 Accuracy of Information

Interest rates, EMIs, loan amounts, and other figures shown on our website are indicative only and may vary based on your credit profile and the lender's assessment. Final terms will be communicated by the lender.

5.4 Processing Fees

Finseich does not charge borrowers any fees for using our platform. Processing fees, if any, are charged directly by the lender and will be disclosed before loan disbursement.

6. Insurance Services — Specific Terms

Finseich is a licensed insurance distributor registered with IRDAI. Our insurance comparison and distribution services are subject to:

• All premium quotes are indicative and subject to underwriting assessment by the insurer
• Policy terms, conditions, exclusions, and claim procedures are governed by the insurer's policy document
• Finseich is not responsible for claim settlement decisions made by insurers
• Insurance is a subject matter of solicitation. We recommend reading all policy documents carefully before purchase

7. DSA Partnership Terms

Individuals registering as Direct Selling Agent (DSA) partners agree to the following:

• DSA partners must provide accurate personal and business information during registration
• Partners shall not misrepresent Finseich's services or make promises on behalf of lenders
• Commission structures are subject to change with 30 days' written notice
• Partners must comply with all applicable laws, RBI guidelines, and Finseich's DSA Code of Conduct
• Finseich reserves the right to terminate any DSA partnership for violation of these terms
• DSA partners are independent contractors and not employees of Finseich

8. Prohibited Use

You agree not to use our website or services for any of the following:

• Providing false, misleading, or fraudulent information in any application or form
• Impersonating any person or entity or misrepresenting your affiliation
• Attempting to gain unauthorized access to our systems, servers, or databases
• Using automated bots, scrapers, or data mining tools without our written consent
• Transmitting malware, viruses, or harmful code through our platform
• Engaging in money laundering, fraud, or any illegal financial activity
• Reproducing or redistributing our content without written permission

Violation of these prohibitions may result in immediate termination of access and legal action.

9. Intellectual Property

All content on the Finseich website — including text, graphics, logos, icons, images, audio clips, digital downloads, and software — is the property of Finseich Financial Services Private Limited and is protected by Indian and international copyright laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from our platform without our prior written consent. Temporary downloading for personal, non-commercial use is permitted provided you do not modify the materials or remove any proprietary notices.

10. Limitation of Liability

To the maximum extent permitted by applicable law:

• Finseich shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services
• Our total liability in any matter related to these Terms shall not exceed ₹10,000 or the amount you paid Finseich in the preceding 12 months, whichever is lower
• We are not liable for decisions made by lenders or insurers regarding approval, rejection, rates, or claims
• We do not warrant that our website will be uninterrupted, error-free, or free of viruses

Some jurisdictions do not allow limitations on implied warranties or exclusion of certain damages, so these limitations may not apply to you in full.

11. Indemnification

You agree to indemnify, defend, and hold harmless Finseich, its directors, employees, agents, and partners from any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of:

• Your use of our services in violation of these Terms
• Your submission of false or misleading information
• Your violation of any applicable laws or regulations
• Any claim by a third party related to your actions on our platform

12. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India, specifically the laws of the State of Maharashtra, without regard to conflict of law principles.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra. We encourage resolution of disputes through our internal grievance mechanism before initiating legal proceedings.

Grievance Officer: Mr. Anil Mehta, Finseich Financial Services Pvt. Ltd., BKC Mumbai. Email: grievance@finseich.com | Phone: 1800-266-7576

13. Contact Us

For questions about these Terms and Conditions, please contact us at: