Terms & Conditions

1. Acceptance of Terms

By accessing and using the services provided by 4SFINSERV ("we", "our", or "us"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms constitute a legally binding agreement between you and 4SFINSERV. By using our website, mobile application, or any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

2. Definitions

• "Services" means the financial brokerage services, credit check facilities, loan application processing, and related services provided by 4SFINSERV.
• "User" or "You" means any individual or entity accessing or using our Services.
• "Financial Partners" means banks, NBFCs, and other financial institutions that we work with.
• "KYC" means Know Your Customer procedures as required by regulatory authorities.
• "RBI" means Reserve Bank of India.

3. Description of Services

4SFINSERV provides financial brokerage services including:

• Credit score checking and reporting
• Loan application processing and facilitation
• Connection with financial partners
• Document verification and KYC services
• Financial advisory and guidance
• Application status tracking

We act as an intermediary between customers and financial institutions. We do not provide loans directly but facilitate the process.

4. User Eligibility

4.1 Age Requirements

You must be at least 18 years old and a resident of India to use our Services.

4.2 Legal Capacity

You must have the legal capacity to enter into binding agreements and use financial services.

4.3 Compliance Requirements

You must comply with all applicable laws, regulations, and RBI guidelines when using our Services.

4.4 Accuracy of Information

You agree to provide accurate, complete, and up-to-date information when using our Services. Providing false or misleading information may result in service termination.

5. Account Registration and Security

5.1 Account Creation

Some services may require account creation. You are responsible for maintaining the confidentiality of your account credentials.

5.2 Security Obligations

You agree to:

• Keep your login credentials secure
• Notify us immediately of any unauthorized access
• Use strong passwords and enable two-factor authentication where available
• Not share your account with others

5.3 Account Termination

We reserve the right to suspend or terminate your account for violations of these Terms or illegal activities.

6. Credit Check Services

6.1 Credit Report Access

Our credit check services provide access to your CIBIL credit report and score. The accuracy of credit reports depends on information provided by credit bureaus.

6.2 Report Limitations

Credit reports are for informational purposes only and do not guarantee loan approval. Final loan decisions are made by financial partners.

6.3 Report Usage

Credit reports should be used responsibly. Misuse of credit information may violate applicable laws.

6.4 Report Accuracy

While we strive for accuracy, credit reports may contain errors. You have the right to dispute inaccurate information with credit bureaus.

7. Loan Application Process

7.1 Application Submission

By submitting a loan application through our platform, you authorize us to:

• Share your information with financial partners
• Verify your documents and conduct background checks
• Communicate with you regarding your application
• Access your credit information from credit bureaus

7.2 Document Submission

You agree to provide all required documents for KYC and loan processing. Documents must be authentic and legally obtained.

7.3 Application Processing

Application processing times vary depending on the financial partner and complexity of verification. We will keep you informed of progress.

7.4 Approval Decisions

Final loan approval decisions are made by financial partners. We facilitate the process but do not guarantee approvals.

7.5 Application Withdrawal

You may withdraw your application at any time before loan disbursement. Some processing fees may be non-refundable.

8. Fees and Charges

8.1 Service Fees

Some services may involve fees, which will be clearly disclosed before service provision.

8.2 Credit Check Fees

Credit check services may be free or paid, as indicated at the time of service.

8.3 Processing Fees

Loan processing fees, if applicable, will be disclosed by financial partners.

8.4 Refund Policy

Fees are generally non-refundable once services are rendered. Refund eligibility will be determined on a case-by-case basis.

8.5 Fee Changes

We reserve the right to modify fees with reasonable notice.

9. User Obligations

You agree to:

• Use our Services only for lawful purposes
• Not engage in fraudulent or illegal activities
• Not attempt to circumvent security measures
• Not upload malicious files or content
• Not impersonate others or provide false information
• Respect intellectual property rights
• Not use automated tools to access our Services
• Comply with all applicable laws and regulations

10. Intellectual Property

All content, trademarks, logos, and intellectual property on our platform are owned by 4SFINSERV or licensed to us. You may not reproduce, distribute, or create derivative works without permission.

11. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which forms part of these Terms. By using our Services, you consent to the collection and use of your information as described in the Privacy Policy.

12. Disclaimers and Limitations

12.1 Service Availability

We strive for high availability but do not guarantee uninterrupted service. We are not liable for service interruptions.

12.2 Financial Advice

Our services do not constitute financial advice. All decisions should be made based on your own research and professional consultation.

12.3 Loan Approvals

We do not guarantee loan approvals. Approval depends on various factors including creditworthiness and lender policies.

12.4 Third-Party Services

We are not responsible for the actions, policies, or services of financial partners or third-party service providers.

12.5 Information Accuracy

While we strive for accuracy, we do not warrant that all information on our platform is complete, accurate, or up-to-date.

13. Limitation of Liability

To the maximum extent permitted by law, 4SFINSERV shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Service interruptions or technical issues
• Third-party actions or decisions
• Any damages exceeding the amount paid for our services

14. Indemnification

You agree to indemnify and hold harmless 4SFINSERV, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

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

15. Termination

15.1 Termination by User

You may terminate your account at any time by contacting us.

15.2 Termination by Us

We may terminate or suspend your access to our Services immediately, without notice, for any violation of these Terms.

15.3 Effect of Termination

Upon termination, your right to use our Services ceases immediately. We may retain your data as required by law.

16. Governing Law and Dispute Resolution

16.1 Governing Law

These Terms are governed by the laws of India.

16.2 Dispute Resolution

Any disputes arising from these Terms shall be resolved through:

1. Negotiation between parties
2. Mediation by a neutral third party
3. Arbitration under the Arbitration and Conciliation Act, 1996
4. Courts in [Your Jurisdiction] as the final recourse

16.3 Jurisdiction

The courts in [Your Jurisdiction] shall have exclusive jurisdiction over any legal proceedings.

17. Regulatory Compliance

4SFINSERV operates in compliance with:

• Reserve Bank of India (RBI) guidelines
• Information Technology Act, 2000
• KYC and AML regulations
• Consumer protection laws
• Data protection regulations

18. Force Majeure

We shall not be liable for any failure or delay in performing our obligations due to events beyond our reasonable control, including but not limited to natural disasters, pandemics, government actions, or technical failures.

19. Severability

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

20. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and 4SFINSERV regarding the use of our Services.

21. Amendments

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of our Services constitutes acceptance of the modified Terms.

22. Contact Information

For questions about these Terms, please contact us:

23. Effective Date

These Terms & Conditions are effective as of December 2024.