1. Acceptance of these terms
These terms are an agreement between you and Findra Fintech Private Limited (CIN U66190TS2026PTC222072), which operates FindraCapital at findracapital.com. By using the website or submitting an application, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the website.
2. Our role
FindraCapital is a loan facilitation platform. We help you submit a loan enquiry to a bank or NBFC.
- We are not a lender. We do not approve, sanction, or reject loans.
- The lending institution decides your application, completes KYC, and sets the loan amount, tenure, interest rate, and fees.
- We do not receive or hold loan funds. Disbursal and repayment happen only between you and the lending institution.
- We do not collect repayments or recover dues.
We may receive a fee from the lending institution for our services. This does not change what you pay to the lender.
3. Who can use the service
To use our services, you must:
- be at least 18 years old and able to enter into a binding contract under Indian law,
- be a resident of India, and
- apply only for yourself, using your own details.
4. Information you provide
You confirm that the information you give us is true, complete, and your own, and that you will tell us if it changes. Applications with false, incomplete, or someone else’s information may be stopped or rejected, and may be reported where the law requires it.
5. Mobile verification and account
We verify your mobile number with a one-time password (OTP). Do not share your OTP with anyone. You are responsible for activity carried out using your mobile number and OTP. Tell us straight away if you believe someone else has used them.
6. Consent and communications
We ask for your consent separately before we process your application details, before we obtain your credit score, and before we share your application with a lending institution. You can read each consent on our customer consents page.
You agree that we may contact you by SMS, email, WhatsApp, or phone about your application. We send promotional messages only with your consent, and you can opt out at any time.
7. Fees
We do not charge you any fee to use FindraCapital or to submit an application. Any interest, processing fee, or other charge for a loan is set by the lending institution and shown to you by it, including in its Key Fact Statement, before you accept the loan.
No one from FindraCapital will ask you to pay money to get a loan approved. If anyone does, please report it to our grievance officer.
8. The lender’s terms
When you continue on a lending institution’s website or app, its terms, loan agreement, and Key Fact Statement apply to your loan. Please read them carefully before you accept. Questions about your loan account should go to the lending institution.
9. No guarantee of a loan
Submitting an application does not guarantee that you will get a loan, or any particular amount, rate, tenure, or timeline. Any check carried out on our website is preliminary and is not a credit decision.
10. Acceptable use
You agree not to:
- use the website for any unlawful or fraudulent purpose,
- pretend to be another person or apply using another person’s details,
- use bots, scrapers, or other automated means to access the website,
- interfere with the security or working of the website, or
- copy, reproduce, or resell any part of the website without our written permission.
11. Intellectual property
The FindraCapital name, logo, website design, and content belong to Findra Fintech Private Limited or its licensors. You may use the website only for your own personal, non-commercial purposes.
12. Third-party services
The website may link to, or depend on, services run by others, including lending institutions. We are not responsible for their content, availability, decisions, or practices.
13. Disclaimer
We provide the website on an “as is” and “as available” basis. We try to keep information accurate and the website available, but we do not promise that it will always be error-free or uninterrupted.
14. Limitation of liability
To the extent permitted by law, we are not liable for:
- any decision of a lending institution, including a rejection, the loan terms offered, or the time taken,
- any act or omission of a lending institution or other third party, or
- any indirect or consequential loss arising from your use of the website.
Nothing in these terms limits any liability that cannot be limited under applicable law.
15. Indemnity
Customers must provide genuine, accurate information and documents.
Suspected fraud may result in suspension or rejection and reporting where legally required.
Any indemnity applies only to losses properly attributable to the customer's breach or misconduct, subject to applicable law.
Findra Fintech Private Limited's own negligence, misconduct or legal obligations are not automatically transferred to the customer.
16. Suspension and termination
We may suspend or stop your access to the website, or stop processing an application, if we reasonably believe these terms have been breached or the law requires it.
17. Complaints
If you have a complaint, please contact us as described on our grievance redressal page.
18. Governing law and jurisdiction
These terms are governed by the laws of India. Subject to the grievance process above, the courts at Hyderabad, Telangana have jurisdiction over any dispute arising from these terms.
19. Changes to these terms
We may update these terms from time to time. The effective date at the top shows when they were last changed. If you continue to use the website after a change, the updated terms apply.
20. Contact
- Company
- Findra Fintech Private Limited (CIN U66190TS2026PTC222072)
- info@findracapital.com
- Phone
- +91 8074165102
- Registered office
- 7th Floor, Units 17, 20, 21, 22, 24, 25, 50, 51, Sy. Nos. 29 to 33, Innov8 Pranava Business Park, Kondapur, Serilingampally, Hyderabad, Rangareddy, Telangana 500084, India