1. Acceptance of terms
These Terms and Conditions ("Terms") govern your access to and use of the Finexa Capital website, landing pages, calculators and related services (together, the "Platform"). By using the Platform or submitting an enquiry or application, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Platform.
2. Who we are
The Platform is operated by Finexa Capital (Priyanka Enterprise), Office No 250, The Boulevard, Nr Pratham Circle, Pal, Surat 395009 ("Finexa Capital", "we", "us").
3. Our services
We help individuals and businesses explore financing options. Depending on your need, we may:
- collect your details and documents and assess which lenders may suit your profile;
- introduce you to, and submit your application to, one or more banks or NBFCs;
- help you compare offers and negotiate rates and terms on your behalf; and
- arrange related products such as balance transfers, credit cards, insurance and investment products through partners.
The products and lenders available to you depend on your profile and on our partners' policies at the time.
4. Who may use the Platform
You must be at least 18 years old, legally competent to enter into a contract, and either a resident of India or a business registered in India. If you apply on behalf of a business, you confirm that you are authorised to do so and to bind that business to these Terms.
5. Accuracy of information
You must provide information and documents that are true, complete and current. Submitting false, forged or misleading information may lead to rejection of your application, withdrawal of our services, and reporting to the lender and the relevant authorities. You are responsible for informing us promptly of any change to the information you have given.
6. Consent and credit checks
By submitting an application, you authorise Finexa Capital and the lenders we approach to verify your identity and KYC details, to obtain and review your credit information from credit bureaus, and to share your application data and documents with prospective lenders and service providers for the purpose of assessing and processing your request. Each lender may also obtain separate consents from you under its own process.
7. Fees and charges
Finexa Capital does not levy hidden charges. We may receive a commission or fee from lenders and partners for introducing customers to them. Any fee payable by you to us, if ever applicable, will be disclosed to you in writing before you commit.
Charges levied by lenders, such as processing fees, valuation and legal fees, documentation charges, foreclosure or prepayment charges and insurance premiums, are set by the lender. We will help you understand these, but they are payable to the lender under its own terms. Please never pay any amount to an individual in our name without a written receipt.
8. No guarantee of approval
Submitting an enquiry or application does not guarantee that a loan will be approved or disbursed, or that it will be disbursed within any particular time. The timelines, interest rates, loan amounts and terms shown on the Platform, including any timelines mentioned, are indicative. Final approval, amount, interest rate, tenure and charges are decided solely by the lender.
9. Calculators and website content
The EMI calculator, eligibility tools and other content are provided for general information and illustration only. They do not constitute an offer, a commitment to lend, or financial, legal or tax advice. Results depend on the values you enter and may differ from the lender's actual calculation. Please consult a qualified professional before making financial decisions.
10. Lenders and third parties
The Platform may display names, logos and information of banks, NBFCs and other third parties. This is only to show the partners we work with and does not mean any of them endorses Finexa Capital or the Platform. Any agreement for a loan or other product is between you and the lender or provider. We are not a party to it and are not responsible for the lender's decisions, acts or omissions. Links to third-party websites are provided for convenience and we are not responsible for their content.
11. Acceptable use
You agree not to:
- use the Platform for any unlawful, fraudulent or misleading purpose;
- submit information about another person without their permission;
- attempt to gain unauthorised access to the Platform, our systems or other users' data;
- introduce malware, scrape, copy or interfere with the Platform's operation; or
- impersonate Finexa Capital, its staff or its lending partners.
12. Intellectual property
The Finexa Capital name, logo, website design and content are owned by or licensed to us and may not be copied or reused without our written permission. Names and logos of banks and other third parties belong to their respective owners and are used only to identify them.
13. Communications
You agree that Finexa Capital, our lending partners and their representatives may contact you by phone, SMS, WhatsApp, email and other means about your enquiry, application and related products and services, even if your number is registered on a Do Not Disturb or similar registry. You may withdraw this consent for marketing communications at any time by writing to info@finexacapital.com. We may still send you messages needed to process your application.
14. Limitation of liability
To the extent permitted by law, the Platform and our services are provided "as is". Finexa Capital is not liable for any loss arising from a lender's decision to approve, reject, delay or alter a loan; from inaccuracies in information you provide; from interruptions or errors in the Platform; or for any indirect, incidental or consequential loss. Nothing in these Terms limits liability that cannot lawfully be limited. You agree to indemnify Finexa Capital against claims arising from your breach of these Terms or your submission of false or unlawful information.
15. Privacy
We handle your personal data as described in our Privacy Policy, which forms part of these Terms.
16. Grievance redressal
If you have a complaint about our service or the Platform, please write to us at info@finexacapital.com or call +91 90815 70708 (Monday to Saturday, 10:00 AM to 7:00 PM), giving your name, contact number and details of the issue. We will acknowledge your complaint promptly and aim to resolve it within a reasonable time. Complaints about a lender's loan, charges or conduct should also be raised with that lender through its own grievance process.
17. Governing law and jurisdiction
These Terms are governed by the laws of India. Subject to any mandatory rights you may have, the courts at Surat, Gujarat shall have exclusive jurisdiction over any dispute arising from them.
18. Changes and contact
We may update these Terms from time to time. The updated version will be posted on this page with a new "last updated" date, and continued use of the Platform means you accept the changes.