The terms and condition, Privacy Policy and additional terms and conditions (if any, entered separately between you and Fincoadvisors.com in case of specific services that you may avail from time to time) (hereinafter referred as “Terms”) are terms subject to which you are allowed to use or access the website www.fincoadvisors.com (hereinafter referred as “Website”) and or the online web facilities, solutions and services provided by Fincoadvisors.com. This is an electronic document and generated by computer and does not require any authentication. Use of website is subject to terms of legal agreement between you and Fincoadvisors.com.

The following terms are deemed to be accepted upon mere using our website and services.

1. By using our website or clicking the box indicating acceptance of these terms, you agree and acknowledge to follow, are abide and bound by the terms as mention in our website concerning your use of website and acknowledge that you have understood the terms form a legal and binding agreement between us.

2. Fincoadvisors.com may at any time without any prior notice or intimation revise or modify the terms from time to time as required.

3. The term “User”, “You”, “Your” shall refer to the person who is using or accessing this website or service or a person who have been registered with the details provided by at the time of registration.

4. The term “We”, “Our”, “Fincoadvisors.com” shall refer to Fincoadvisors.com at Mumbai, India , their affiliates, its employees, agents, representatives officers.

5. If we have reasonable cause to believe or suspect that you are in violation with the terms, We can terminate, restrict, suspend your access to this website or service at any point of time for any reason. We may monitor access to the site.

6. The Companies do not accept any responsibility towards the contents and/or information practices of third party sites if any which have links through the Companies’ Sites. The said links to internal or external website locations are only for the purpose of facilitating your visit or clarify your query.

7. The logos, tag line, software, images, text, graphics, audios, videos, HTML files and all the content of this website are exclusively the property of Fincoadvisors.com. No material or content from this website may be copied, modified, reproduced, republished, uploaded, transmitted, adopted, posted or distributed in any form whatsoever without prior written permission from the concerned Company in ownership of the said content. Unauthorized use of material from this website could lead to criminal or civil actions.

8. All rights, title and interest in the Website, the Service and the Content, except the limited license granted to you as per these Terms, are exclusively reserved by FincoAdvisors.com.

9. You shall not use the Website, the Service, the Content or any part thereof for any purpose that is unlawful or not permitted by these Terms. Without prejudice to the generality of the above, you shall not use the Website, the Service, the Content or any part thereof to host, display, upload, modify, publish, transmit, update or share any information.

10. You shall not use the Website, the Service, the Content or any part thereof for any purpose that is unlawful or not permitted by these Terms. Without prejudice to the generality of the above, you shall not use the Website, the Service, the Content or any part thereof to host, display, upload, modify, publish, transmit, update or share any information.

11. Fincoadvisors.com shall not be responsible for any damages, distortion of information, loss of information or data to the user’s computer system or any other system resulting from downloads of any content or material from this website or by usage of this website.

12. Fincoadvisors.com shall not be liable for any damages, failure, inefficiency, delay to perform any of its obligation as agreed upon if the user has restricted, prevented, not agreed upon with the terms, not accepted the terms, not acted in the manner as guided by us in part or entirely or in case of any event beyond the control of Fincoadvisors.com including Fire, denial of service attack, unauthorized access of information or information systems, riots, acts of gods, acts of third parties, acts of government, war, malicious code, virus, technical or mechanical failure, faults, power failure, force majeure events and any other event.

13. You hereby understand and accept that transmission, storage, retrieval of data through computer, computer systems or any other information systems are subject to various risk beyond the control of Fincoadvisors.com and that for any interruption in services, or website or loss or damage caused to the user, Fincoadvisors is not liable or does not have any obligations.

14. Upon accepting the terms, you hereby authorize Fincoadvisors.com on your behalf to purchase detailed credit report or access your free credit report, review, analyse your credit history, raise dispute, communicate, liaise or co-ordinate with credit bureaus, banks, banking company, financial institution/(s) or any other lender or lender institution. Authorize us to avail the outstanding/waiver/masking/ credit clean-up amount or any other charges or amount levied by the lender for closure of loan or change of loan status from Written-off/Settled/Post Written-off Settled, Suit Filed etc to closed or Blank or nil status.

15. You hereby consent that the Clear Past Dues (“CPD” or “DPD”) which is/are present in the credit report for the actual delayed or defaulted payment made by you will not be rectified and only the genuine errors, mistakes, mismatch of information will be rectified.

16. Any agreement for closure of loan credit account, or opening of loan account or credit facility, will purely be between you and your lender. Fincoadvisors.com will not be party of any sought for the same and you will be solely responsible for ensuring all the terms entered between you and your lender.

17. Fincoadvisors.com will not indulge in any legal action taken or to be taken on your behalf in respect to fraud or mismatch of information in your credit report or credit facility. Our services and service cost are mainly to advice and suggest the necessary actions to be taken by you for improving, restoring your credit score.

18. In case of non-co-operation of your bank or financial institutions or banking company or your lender of any sought would not lead to inefficiency or deficiency in our services and for the same Fincoadvisors.com would not be liable or obligated for any loss or damage caused to the user. Also, that the loan sanction or credit facility approval is dependent solely upon bank, financial institution or banking or financial institution executive based upon there credit policy and another document verification.

19. Dispute resolution or query resolution time frame provided by us is subject to processing time or time taken by the lender member to intimate credit bureau to resolve for dispute raised. Delay in response from your lender may result in delay of services provided by us. Dispute or query resolution time is depended upon the furnishing of document/(s), information/any sum of money as demanded by the lender, bank or financial institution requested to clear the loan or resolve the issue or fees charged by us for provision of services as stated.

20. Charges are entirely to be received in advance by the mode or manner as intimated from time to time on the website or by the partners, employees, officers, representatives. Charges paid are non-refundable and Fincoadvisors.com may change mode of payment that is acceptable from time to time.

21. You hereby consent Fincoadvisors.com to records all calls and communication between you and Fincoadvisors.com and any such records FincoAdvisors.com shall be conclusive and binding evidence of the fact and content of such calls.

22. Fincoadvisors.com shall be entitled to receive charges for the services provided to you for the package enrolled by you. Charges as applicable from time to time are detailed in our website.

23. FincoAdvisors.com may receive a referral / facilitation fee from third party banks / other credit institutions for (a) assisting with the settlement of outstanding amounts dues owed to them by you and / or (b) for referring their products / services to you and by accepting these terms you confirm that you have no objection to the same.

24. You agree to defend, indemnify and hold FincoAdvisors.com and its partners, officers, employees and representatives harmless from all loss, damage, costs and expenses (including but not limited to reasonable attorney fees) suffered by any of them as a result of any breach of these terms accepted by you, including, without limitation, the submission of any data or material that violates any third party right or any applicable law.

25. Any dispute arising from or relating to, these terms or any Additional terms, or your use of the Website or any Service shall be referred to arbitration by a sole arbitrator appointed by FincoAdvisors.com. The venue of arbitration shall be Mumbai and the language of arbitration shall be English. The arbitration proceeding shall be governed by the Indian Arbitration Act as amended from time to time and the award of the arbitrator shall be final and binding on both parties.

26. This Agreement shall, in all respects, be governed by and construed in all respects in accordance with the laws of India.

27. Competent courts located in Mumbai shall have exclusive jurisdiction in connection with any matter arising from or relating to, these terms or any additional terms, or your use of the Website or any Service, to the exclusion of any other court that may otherwise have had such jurisdiction in the matter.

28. Competent courts located in Mumbai shall have exclusive jurisdiction in connection with any matter arising from or relating to, these terms or any additional terms, or your use of the Website or any Service, to the exclusion of any other court that may otherwise have had such jurisdiction in the matter.

28. Notices of any sought should be received by Fincoadvisors.com via email on [email protected] and all the notices to you shall be provided on the email registered or provided by you or found during the course of service from your records, reports or documents as made available by you or found by us.

29. When you are using our website or services and providing any information on the website or via email or when you are clicking on any buttons on the website, you are communicating via electronic mode and records and you consent upon that the electronic whether automatically generated by computer system or sent by you shall be deemed to be communications sent in writing by you and you are solely responsible for the same.

30. These Terms together with the Privacy Policy and any Additional Terms you may accept, constitutes the entire agreement between Fincoadvisors.com and you regarding the Service and your use of the Website and supersedes all prior agreements (if any) regarding the subject matter hereof.

31. This agreement, construction and enforcement of its terms and the interpretation of rights and duties of the parties hereto shall be governed by the applicable existing laws of India

32. The matter, content, graphics, HTML files, presented on this website could include typographical error or technical or mechanical errors. Changes are periodically added to the information contained. Fincoadvisors.com make no representations about accuracy of information contained in this documents and graphics on this website for any purpose.

33. By using our website you agree to receive both promotional and transactional messages from fincoadvisors.com