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1. Acceptance of Terms

By accessing or using Finbros products, software, services, and websites (collectively, the “Services”), including https://finbrosfinance.com/ (the “Website”), you expressly agree to be bound by these Terms and Conditions (“Terms”).

If you do not agree, you must not use the Services.

Please read these Terms and our Privacy Policy carefully before proceeding. These documents form a legally binding agreement between you and Finbros Finance (“Finbros”, “we”, “us”, or “our”).

2. Business Activity of Finbros

Finbros operates as a facilitator and Lending Service Provider (LSP) that coordinates loans, credit cards, life/general insurance, and other financial products/services through its Website and digital platforms.

We connect users with third-party banks, Non-Banking Financial Companies (NBFCs), insurers, and other regulated entities.

All user data is collected, processed, and used solely for the purpose of providing, facilitating, and improving these services, in full compliance with:

  • RBI Digital Lending Directions, 2025

  • Digital Personal Data Protection Act, 2023 (DPDP Act)

  • TRAI regulations (TCCCPR 2018 as amended)

  • All applicable laws

3. Proprietary Rights

Finbros is the sole and absolute owner of all rights, title, and interest in the Services, including all intellectual property rights (registered or unregistered).

You agree not to:

  • Copy

  • Reproduce

  • Modify

  • Distribute

  • Transmit

  • Display

  • Publish

  • Create derivative works

without prior written consent.

4. Usage of the Website

The Services are intended for your personal, non-commercial use only.

  • You must be at least 18 years of age

  • You must be legally capable of entering into contracts

  • You are responsible for your account credentials

  • You must submit only genuine applications

  • No fraudulent or unlawful activity is allowed

Consent for Communications (Calls, SMS, IVR, WhatsApp)

By registering or submitting your details, you provide explicit consent to be contacted via:

  • Calls

  • SMS

  • IVR

  • WhatsApp

  • Email

This includes service updates, offers, reminders, and feedback.

  • Consent overrides DND/DNC/NCPR

  • Recorded on DLT platform

  • Valid for 180 days or until withdrawn

Call, IVR, and WhatsApp Recording

Interactions may be recorded for:

  • Quality

  • Training

  • Compliance

  • Dispute resolution

Participation implies consent under applicable laws.

Finbros reserves the right to suspend or terminate access at any time.

5. Our Partners / Third Parties

All financial products are provided by independent third-party institutions.

Finbros:

  • Does not guarantee or endorse third-party services

  • Is not responsible for their actions or accuracy

Your interactions with third parties are at your own risk.

6. Disclaimer of Warranties

The Services are provided on an “AS IS” and “AS AVAILABLE” basis.

Finbros disclaims all warranties, including:

  • Merchantability

  • Fitness for purpose

  • Accuracy

  • Security

  • Non-infringement

7. Limitation of Liability

Finbros shall not be liable for:

  • Direct damages

  • Indirect damages

  • Incidental losses

  • Loss of profits

  • Loss of data

even if advised of such risks.

8. Additional Terms

Assignment

You may not assign rights. Finbros may assign without notice.

Waiver

Failure to enforce any provision is not a waiver.

Modification

Terms may be updated with notice. Continued use = acceptance.

Severability

Invalid provisions do not affect remaining terms.

Entire Agreement

These Terms + Privacy Policy form the full agreement.

Governing Law

Laws of India apply. Jurisdiction: Mumbai courts.

9. Regulatory Compliance and Data Practices

Finbros complies with:

RBI Digital Lending Directions, 2025

  • Minimal data collection

  • Explicit consent

  • No unnecessary device access

  • Data localization

DPDP Act, 2023

  • Consent-based data use

  • Rights to access, correct, erase

TRAI & DLT Compliance

  • Registered entity

  • Consent recorded

  • No unsolicited communication

KYC and Device Permissions

  • Only for onboarding

  • No access to sensitive data

Credit Bureau / CKYC Sharing

  • Data shared for eligibility and processing only

Fraud Prevention

Finbros does not charge fees. Report fraud to care@finbros.com.

10. Feedback

Any feedback or suggestions become the property of Finbros.

We may use them for improvement and promotional purposes.

By using our Website or Services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.