1. Acceptance of Terms

By accessing this website, browsing its content, or submitting an enquiry, you agree to be bound by these Terms of Service, our Privacy Policy, and any additional disclosures shown on relevant product pages or lead forms.

2. Service Scope

Finflow-Hub helps users explore loan products, compare indicative options, organize documentation, and coordinate with partner banks, NBFCs, or other regulated financial institutions. We do not sanction loans, control final underwriting, or guarantee any approval, pricing, tenure, or disbursal timeline.

3. Eligibility and User Commitments

You agree to use the website only for lawful purposes and only if you are legally competent to enter into a binding arrangement under applicable law. You must provide current, accurate, and complete information, and you must not submit forged, misleading, or unauthorized personal or financial data.

4. Information and Documentation Submitted by You

When you submit forms, upload documents, or share information over call, email, WhatsApp, or other supported channels, you confirm that the information belongs to you or that you are duly authorized to share it. We may rely on this information while assisting with product matching and application processing.

5. Consent to Communication

By submitting an enquiry, you authorize Finflow-Hub and, where required for your request, its partner lenders, service providers, or representatives to contact you through call, SMS, email, WhatsApp, or similar channels for verification, updates, service fulfilment, support, and product-related communication.

6. Product Information and Illustrations

Rates, eligibility summaries, EMI examples, approval timelines, and product descriptions shown on the website are illustrative unless explicitly stated otherwise. Final offers remain subject to lender policy, credit assessment, risk review, document verification, internal scorecards, and regulatory requirements.

7. Fees, Charges, and Partner Policies

Any service fee charged directly by Finflow-Hub, if applicable, must be separately disclosed to you before payment is collected. Processing fees, foreclosure charges, insurance premiums, valuation costs, legal costs, GST, and other financial-product charges are governed by the relevant lender or third-party service provider.

8. Website Use Restrictions

• You may not misuse the website, interfere with its security, or attempt unauthorized access to systems or data.
• You may not reproduce, scrape, republish, frame, distribute, or commercially exploit website content without prior written consent.
• You may not use the website in a way that harms Finflow-Hub, its users, or its partners.

9. Intellectual Property

Unless otherwise stated, the website design, brand elements, text, graphics, interfaces, and compiled content are owned by or licensed to Finflow-Hub and are protected by applicable intellectual property laws. No right, title, or license is granted except for limited personal use of the website in accordance with these terms.

10. Third-Party Links and Services

The website may contain links to third-party websites, maps, scripts, analytics, or lender portals. These are provided for convenience. Finflow-Hub does not control and is not responsible for the content, availability, terms, privacy practices, or security of third-party services.

11. Suspension or Refusal of Service

We may suspend, limit, or refuse an enquiry or website access if we reasonably suspect fraud, abuse, unauthorized activity, regulatory risk, misrepresentation, or conduct inconsistent with these terms or partner-lender requirements.

12. Disclaimer of Warranties

The website and services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, Finflow-Hub disclaims warranties of uninterrupted access, merchantability, fitness for a particular purpose, non-infringement, and guaranteed suitability of any product listed or discussed on the platform.

13. Limitation of Liability

Finflow-Hub will not be liable for rejection of any application, pricing decisions made by lenders, delays caused by third parties, data transmission failures outside our reasonable control, indirect or consequential damages, or any loss arising from reliance on indicative information published on the website.

14. Indemnity

You agree to indemnify and hold harmless Finflow-Hub, its promoters, employees, contractors, and partners from claims, liabilities, losses, or expenses arising out of your misuse of the website, your breach of these terms, or information submitted by you that is inaccurate, unauthorized, or unlawful.

15. Governing Law and Jurisdiction

These terms are governed by the laws of India. Subject to applicable dispute-resolution requirements, courts having jurisdiction over Delhi shall have exclusive jurisdiction over disputes arising from or related to the website or these terms.

16. Changes to These Terms

We may update these Terms of Service to reflect changes in our operations, technology, legal requirements, or partner arrangements. The revised version becomes effective when posted on this page unless otherwise stated.

17. Contact and Grievance

If you have a legal, compliance, or service-related concern about these terms, contact us at info@finflowhub.com or visit our Contact page. Please include your name, contact number, and enquiry reference where available.