✅1. Acceptance of Terms
By accessing or using the website finovoinfotech.com or any services offered by Finovo Infotech, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.
🏢2. About Finovo Infotech
Finovo Infotech is a loan distribution channel partner and registered Direct Selling Agent (DSA) operating in India. We facilitate loan applications between borrowers and our partner banks and Non-Banking Financial Companies (NBFCs). We do not provide loans directly and are not a bank or financial institution.
Our partner lenders include HDFC Bank, Kotak Mahindra Bank, Axis Bank, IDFC First Bank, Bajaj Finance, SMFG India Credit, InCred Finance, Aditya Birla Finance, and others.
💼3. Services Provided
Finovo Infotech provides the following services:
- Free loan consultation and eligibility assessment
- Comparison of loan products from multiple lenders
- Assistance with loan application and documentation
- Liaison with lenders on behalf of borrowers
- EMI calculation tools and financial guidance
- Balance transfer and top-up loan advisory
All our advisory services are provided free of charge to borrowers. We earn referral commissions from lenders upon successful loan disbursement.
👤4. User Obligations
By using our services, you agree to:
- Provide accurate, complete, and truthful information in all loan applications and enquiry forms
- Not submit fraudulent, misleading, or forged documents
- Not use our services for any illegal or unauthorized purpose
- Not attempt to gain unauthorized access to our systems or data
- Notify us immediately of any changes to information provided
- Be at least 18 years of age to use our services
📋5. Loan Applications & Approvals
Please note the following regarding loan applications processed through Finovo Infotech:
- Submitting an application does not guarantee loan approval
- All loan approvals are at the sole discretion of the respective lender
- Interest rates, loan amounts, and terms are subject to the lender's policies and your eligibility
- We make no guarantees regarding approval timelines, interest rates, or loan amounts
- Any indicative rates shown on our website are for illustrative purposes only
- Final loan terms will be communicated by the lender in the official sanction letter
💰6. Fees & Charges
Finovo Infotech's advisory and application assistance services are completely free for borrowers. We do not charge any fee for:
- Initial loan consultation
- Eligibility check and lender comparison
- Application submission and documentation support
However, lenders may charge processing fees, documentation charges, or other applicable fees as per their own policies. These charges are independent of Finovo Infotech's services and will be clearly communicated before application.
©️7. Intellectual Property
All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Finovo Infotech and is protected by applicable Indian and international intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works without our express written permission.
⚠️8. Limitation of Liability
To the maximum extent permitted by applicable law, Finovo Infotech shall not be liable for:
- Any loan rejection by a lender regardless of the reason
- Loss or damage arising from reliance on information provided on our website
- Any indirect, incidental, special, or consequential damages
- Interruption or unavailability of our website or services
- Any third-party actions, including lender decisions
🛡️9. Indemnification
You agree to indemnify, defend, and hold harmless Finovo Infotech, its directors, employees, and partners from any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of your use of our services, violation of these Terms, or provision of false or misleading information.
🚫10. Termination
We reserve the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, third parties, or for any other reason at our discretion.
⚖️11. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts in Thane, Maharashtra, India.
We encourage users to first attempt resolution through direct communication with us at info@finovoinfotech.com before initiating formal legal proceedings.
📞12. Contact Us
For any questions regarding these Terms & Conditions, please contact:
- Company: Finovo Infotech
- Email: info@finovoinfotech.com
- Phone: +91 73040 65366
- Address: Office No 701, Lodha Palava I-Think, Dombivli East – 421201, Maharashtra