Legal Disclaimer

1. General Disclaimer

The information provided on this website is for general informational purposes only. While we strive to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.

Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to our website.

2. Financial Services Disclaimer

2.1 No Financial Advice

The content on this website does not constitute financial advice, investment advice, or any other type of professional advice. The information provided is general in nature and should not be considered as a substitute for professional financial, legal, or tax advice.

2.2 No Guarantee of Approval

We do not guarantee loan approval, credit approval, or any other financial product approval. All approvals are subject to the discretion of financial partners, credit bureaus, and regulatory requirements. Past performance or examples do not guarantee future results.

2.3 Third-Party Services

We act as a facilitator between customers and financial institutions. We are not responsible for the policies, procedures, or decisions of banks, NBFCs, or other financial partners. All financial products and services are provided by third parties.

2.4 Interest Rates and Terms

Interest rates, fees, charges, and terms displayed on our website are indicative and subject to change. Actual rates and terms will be determined by financial partners based on your credit profile and other factors.

3. Credit Information Disclaimer

3.1 Credit Score Accuracy

Credit scores and reports provided through our services are obtained from credit bureaus such as CIBIL, Experian, and Equifax. While we strive for accuracy, credit reports may contain errors or outdated information. You have the right to dispute inaccurate information directly with credit bureaus.

3.2 Credit Score Changes

Credit scores can change frequently based on various factors. The score displayed at any given time may not reflect the most current information. For the most accurate and up-to-date credit information, you should obtain official reports directly from credit bureaus.

3.3 Credit Score Interpretation

Credit score ranges and interpretations are provided for informational purposes only. Different lenders may have different criteria for evaluating creditworthiness. A good credit score does not guarantee loan approval.

4. Regulatory Compliance

4SFINSERV operates in compliance with applicable Indian laws and regulations, including:

• Reserve Bank of India (RBI) guidelines
• Information Technology Act, 2000
• Prevention of Money Laundering Act, 2002
• KYC (Know Your Customer) norms
• Consumer Protection Act, 2019
• Data protection regulations

However, laws and regulations change frequently, and we cannot guarantee that our services will always be compliant with future regulatory changes.

5. Limitation of Liability

5.1 Service Interruptions

We do not guarantee uninterrupted or error-free operation of our website or services. We are not liable for any damages caused by service interruptions, technical issues, or force majeure events.

5.2 Indirect Damages

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

5.3 Maximum Liability

Our total liability for any claim arising out of or relating to our services shall not exceed the amount paid by you for our services in the 12 months preceding the claim.

5.4 Third-Party Claims

We are not responsible for any claims, damages, or losses arising from your interactions with financial partners, credit bureaus, or other third-party service providers.

6. External Links Disclaimer

Our website may contain links to external websites operated by third parties. These links are provided for convenience only. We do not control, endorse, or guarantee the accuracy, completeness, or availability of information on these external websites.

We are not responsible for the privacy practices, content, or security of external websites. Your use of external websites is at your own risk.

7. Forward-Looking Statements

Any statements on our website regarding future events, expectations, or projections are forward-looking statements. These statements are based on current expectations and assumptions, which are subject to various risks and uncertainties.

Actual results may differ materially from those expressed or implied in forward-looking statements due to various factors, including market conditions, regulatory changes, and economic factors.

8. Professional Advice

The information provided on this website is not intended to be, and should not be construed as, legal, financial, tax, or investment advice. You should consult with qualified professionals for advice specific to your situation.

• Legal Advice: Consult a qualified attorney
• Financial Advice: Consult a certified financial advisor
• Tax Advice: Consult a qualified tax professional
• Investment Advice: Consult a registered investment advisor

9. No Warranty

Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Merchantability or fitness for a particular purpose
• Accuracy, completeness, or reliability of information
• Non-infringement of third-party rights
• Security or freedom from viruses
• Uninterrupted or error-free operation

10. Indemnification

You agree to indemnify, defend, and hold harmless 4SFINSERV, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, liabilities, and expenses arising out of or related to:

• Your use of our services
• Your violation of these disclaimers
• Your violation of applicable laws
• Any third-party claims related to your actions

11. Severability

If any provision of this disclaimer is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

12. Governing Law

This disclaimer is governed by the laws of India. Any disputes arising from this disclaimer shall be subject to the exclusive jurisdiction of the courts in [Your Jurisdiction].

13. Updates to Disclaimer

We may update this disclaimer from time to time. The updated disclaimer will be posted on our website with a new "Last updated" date. Your continued use of our services after such updates constitutes acceptance of the updated disclaimer.

14. Contact Information

If you have any questions about this disclaimer, please contact us:

15. Acknowledgment

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer. If you do not agree with any part of this disclaimer, you should not use our services.