FinDeals - Find the Right Lender. Faster. Smarter.

Chapter 1 — INTRODUCTION

1.1 Purpose

These Terms and Conditions govern the access to and use of the FinDeals Platform and establish the general terms applicable to all Users of the Platform.

By accessing, registering with, or using FinDeals, every User agrees to comply with these Terms and Conditions.

1.2 PLATFORM OPERATOR

FinDeals is owned and operated by SMARTAXIS PRIVATE LIMITED ("Company", "we", "us", or "our").

1.3 Acceptance of Terms

By accessing, browsing, registering, or using any feature of FinDeals, the User ("User", "you", or "your") acknowledges that the User has read, understood, and agreed to these Terms and Conditions.

If you do not agree with these Terms, you must not use the Platform.

1.4 Applicability

These Terms apply to all persons and entities accessing or using FinDeals, including registered Users and persons who access publicly available portions of the Platform.

1.5 Platform Rules and Policies

These Terms may be supplemented by specific policies, notices, guidelines, or rules published by FinDeals from time to time where applicable to a particular Platform feature or activity.

In the event of a conflict, the applicable feature-specific policy shall apply only to that particular feature, while these Terms shall continue to govern all other aspects of Platform use.

1.6 Changes to These Terms

SMARTAXIS PRIVATE LIMITED may update or modify these Terms from time to time to reflect changes in the Platform, applicable laws, security requirements, or business operations.

The updated Terms will become effective when published on the Platform, unless a different effective date is specified.

1.7 Continued Use

Continued access to or use of FinDeals after updated Terms become effective constitutes acceptance of the revised Terms, subject to applicable law.

1.8 Language

These Terms and Conditions are prepared in English.

Translations may be provided for convenience. In the event of any inconsistency between the English version and a translated version, the English version shall prevail to the extent permitted by applicable law.

1.9 Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision shall be interpreted or modified to the extent necessary to make it enforceable where legally permitted.

If such modification is not possible, the affected provision shall be severed without affecting the validity and enforceability of the remaining provisions.

1.10 Entire Agreement

These Terms, together with the applicable Privacy Policy and other policies expressly incorporated into these Terms, constitute the agreement governing the User's use of the FinDeals Platform and supersede prior Terms and Conditions relating to the same subject matter.

1.11 Contact

Questions relating to these Terms may be directed to the official contact details published by FinDeals on the Platform.

Chapter 2 — ABOUT FINDEALS

2.1 About FinDeals

FinDeals is an online digital platform operated by SMARTAXIS PRIVATE LIMITED.

The Platform is designed to provide a digital environment where Users can publish, discover, and communicate about financial requirements posted on the Platform.

2.2 Platform Purpose

FinDeals provides technology-based tools that allow Users to:

Create financial requirement listings;
Browse available listings;
Discover requirements posted by other Users; and
Communicate with other Users through available Platform features.

2.3 Digital Platform

FinDeals provides digital infrastructure for publishing information and enabling communication between Users.

The Platform does not itself become a party to arrangements that Users may independently enter into with one another.

2.4 User Participation

Users may use FinDeals for their own lawful purposes and may independently decide whether to respond to, communicate with, or proceed with another User.

Each User is responsible for the information they provide and the decisions they make while using the Platform.

2.5 Platform Availability

FinDeals may introduce, modify, suspend, or discontinue particular features or functionalities of the Platform from time to time, subject to applicable law.

The availability of any particular feature may depend on technical, operational, legal, or other legitimate requirements.

2.6 Company Role

SMARTAXIS PRIVATE LIMITED operates and maintains the FinDeals technology platform.

The Company does not control the independent decisions, communications, negotiations, or arrangements made by Users through or after their use of the Platform.

2.7 Independent User Relationships

Any relationship or arrangement established between Users remains independent of the Company.

Users are responsible for independently deciding whether to communicate with another User and whether to proceed with any arrangement.

2.8 Platform Identity

FinDeals is operated as a digital classified platform and does not represent itself as a bank, NBFC, lender, borrower, or other financial institution merely by providing access to its Platform.

Specific limitations regarding the Company's role and financial services are addressed separately in these Terms.

Chapter 3 — NATURE OF FINANCIAL CLASSIFIEDS PLATFORM

3.1 Nature of the Platform

FinDeals is a digital classifieds platform that enables Users to publish and discover financial requirements and communicate with other Users regarding such listings.

The Platform provides digital tools for publishing information, searching listings, and facilitating communication between Users.

3.2 Financial Requirement Listings

Users may publish financial requirements containing information such as the type of requirement, required amount, location, security or asset information where applicable, and other details voluntarily provided by the User.

The information published in a listing is provided by the User and remains the responsibility of that User.

3.3 Discovery and Communication

Users may browse available financial requirement listings and communicate with other Users through the communication features provided by FinDeals.

FinDeals provides the technological means for such communication but does not control the decisions or arrangements made by Users.

3.4 Independent User Decisions

FinDeals does not determine whether a User should respond to a listing or communicate with another User.

Each User independently decides whether to:

View a listing;
Respond to a listing;
Start or continue communication;
Exchange information; or
Pursue any arrangement with another User.

3.5 No Transaction Through the Platform

FinDeals does not require Users to complete any financial arrangement through the Platform.

Users may independently continue their discussions, negotiations, or arrangements outside the Platform.

Any arrangement entered into between Users is independent of FinDeals.

3.6 User-Provided Information

Listings and other information published on FinDeals are provided by Users.

FinDeals does not represent that every listing or statement made by a User is accurate, complete, current, or suitable for another User's purposes.

Users should independently assess and verify information before relying upon it.

3.7 Classified Platform, Not a Financial Institution

The operation of FinDeals as a platform for publishing and discovering financial requirements does not by itself make SMARTAXIS PRIVATE LIMITED a bank, NBFC, lender, borrower, or financial institution.

The specific limitations on the Company's involvement in financial activities are addressed separately in Chapter 9 — No Financial Services / No Agency.

3.8 No Ownership of User Arrangements

FinDeals does not own, control, or become a party to any relationship, agreement, negotiation, or financial arrangement independently formed between Users.

The Company's role is limited to operating the digital platform and providing its available technology features.

Chapter 4 — USER REGISTRATION & ACCOUNTS

4.1 Registration

Users may register for an account on FinDeals using the registration methods made available by the Platform.

Registration enables a User to access features that require an account, subject to these Terms and applicable Platform requirements.

4.2 Account Information

Users must provide accurate and complete information when creating an account and must keep their account information reasonably up to date.

A User must not knowingly provide false, misleading, or fraudulent information.

4.3 Mobile Number Verification

Where mobile verification is required, the User may be required to verify the registered mobile number using a One-Time Password (OTP) or another authentication method provided by FinDeals.

The User is responsible for ensuring that the mobile number provided belongs to or is lawfully controlled by the User.

4.4 Account Security

Users are responsible for maintaining the security of their account and for keeping authentication information confidential.

Users must not knowingly allow another person to use their account in a manner that violates these Terms.

4.5 One User, One Account

Unless expressly permitted by FinDeals, a User should not create multiple accounts for the purpose of misleading other Users, manipulating listings, circumventing Platform restrictions, or abusing Platform features.

4.6 Account Activity

Users are responsible for activities carried out through their accounts.

If a User believes that their account has been accessed or used without authorization, the User should notify FinDeals through the available support channels as soon as reasonably possible.

4.7 Account Information and User Responsibility

Registration with FinDeals does not verify that a User is financially capable, trustworthy, or suitable for any transaction.

Users remain responsible for the accuracy of the information they provide and for their own decisions when using the Platform.

4.8 Account Suspension or Termination

FinDeals may restrict, suspend, or terminate an account in accordance with these Terms, applicable law, or where reasonably necessary to protect the Platform, its Users, or the integrity and security of the service.

The detailed rules governing suspension and termination are provided separately in Chapter 20 — Suspension & Termination.

4.9 No Relationship Created by Registration

Registration or use of a FinDeals account does not create an employment, partnership, agency, joint venture, lender-borrower, broker-client, or fiduciary relationship between the User and SMARTAXIS PRIVATE LIMITED.

4.10 Account Closure

A User may request closure or deletion of their account through the account-management options made available by FinDeals, subject to applicable law and any information that the Company may be required to retain for legitimate legal, security, fraud-prevention, or compliance purposes.

Chapter 5 — BORROWER REQUIREMENTS

5.1 Purpose

This Chapter sets out the requirements and responsibilities applicable to Users who publish financial requirement listings on the FinDeals Platform.

5.2 Creating a Financial Requirement

A User may publish a financial requirement through the Platform by providing the information requested in the applicable posting form.

The information required may vary depending on the category and type of requirement selected by the User.

5.3 Accurate Information

Users must ensure that the information provided in a financial requirement is accurate, truthful, and not misleading.

A User must not knowingly publish false, fabricated, or materially misleading information.

5.4 Requirement Details

Depending on the applicable category, a User may be required to provide information such as:

Amount required;
Purpose of the requirement;
Location;
Relevant asset or security details, where applicable;
Expected terms or preferences, where applicable; and
Other information requested by the Platform for creating the listing.

5.5 Supporting Documents

FinDeals does not require Users to submit ownership documents, property documents, vehicle documents, or other financial or security documents merely for the purpose of publishing a requirement, unless the Platform expressly introduces such a requirement for a particular feature.

Users should not upload sensitive or confidential documents unless specifically requested through an authorized Platform process.

5.6 User Responsibility

The User publishing a financial requirement is solely responsible for:

The accuracy of the information provided;
The legitimacy of the requirement;
The ownership or lawful possession of any asset represented by the User;
The information voluntarily shared with other Users; and
Any subsequent communication or arrangement with another User.

5.7 No Guarantee of Response

Publishing a financial requirement does not guarantee that the User will receive:

A response;
A chat;
An offer;
Funding;
Loan approval; or
Any financial arrangement.

5.8 User's Independent Verification

A User should independently verify the identity, credibility, authority, financial capability, and other relevant information of any person or entity responding to their requirement before entering into any arrangement.

5.9 Prohibited Requirements

Users must not publish requirements that are:

False or fabricated;
Intended to deceive other Users;
Connected with unlawful activities;
Intended to obtain money through fraud or misrepresentation; or
Otherwise prohibited under these Terms or applicable law.

5.10 Removal of Requirements

FinDeals may remove, restrict, reject, or disable a financial requirement where it reasonably believes that the listing violates these Terms, applicable law, or Platform safety requirements.

Detailed rules concerning prohibited content and listings are provided in Chapter 12 — Prohibited Activities.

5.11 User-Controlled Communication

Once a requirement is published, other Users may communicate with the poster through the available Platform features.

Any subsequent exchange of contact information or communication outside the Platform is voluntary and controlled by the Users involved.

5.12 No Financial Decision by FinDeals

FinDeals does not evaluate, approve, reject, recommend, or guarantee a financial requirement or the person publishing it.

Chapter 6 — LENDER / INTERESTED USER PARTICIPATION

6.1 Purpose

This Chapter sets out the terms applicable to Users who view financial requirement listings and choose to respond to or communicate with the Users who published those listings.

6.2 Viewing Financial Requirements

Registered Users may browse and view financial requirement listings available on the FinDeals Platform, subject to Platform availability and these Terms.

6.3 Responding to Listings

A User may choose to respond to a financial requirement if the User is interested in the requirement and is legally permitted to do so.

The decision to respond to any listing is entirely voluntary.

6.4 Independent Responsibility

A User responding to a financial requirement is solely responsible for determining whether they are willing and legally permitted to proceed with any proposed financial arrangement.

FinDeals does not make that determination on behalf of the User.

6.5 Accuracy of User Information

Users responding to listings must provide truthful and non-misleading information when communicating with other Users.

A User must not falsely claim to represent a bank, NBFC, financial institution, company, or other organization.

6.6 Required Licences and Permissions

Where a User conducts any activity that requires a licence, registration, authorization, or other legal permission, that User is solely responsible for obtaining and maintaining the required authorization.

Use of FinDeals does not provide or imply any such licence, registration, approval, or authorization.

6.7 Communication with Requirement Posters

Interested Users may communicate with the User who published a requirement through the chat or other communication features made available by FinDeals.

Users may voluntarily exchange additional information or contact details during their communication.

6.8 Independent Verification

Before entering into any financial or other arrangement with another User, each User is responsible for conducting their own appropriate verification and due diligence.

FinDeals does not independently verify every claim, representation, financial capability, or proposed arrangement between Users.

6.9 No Guarantee of Listing Response

FinDeals does not guarantee that a User responding to a listing will receive:

A response;
Further communication;
Acceptance of an offer;
A completed arrangement; or
Any financial return or benefit.

6.10 No Priority or Preference

FinDeals does not represent that a particular Lender or Interested User will receive priority, preference, exclusive access, or guaranteed opportunities to respond to any listing unless a specific Platform feature expressly provides otherwise.

6.11 Compliance with Law

Every User must comply with all laws and regulations applicable to their own activities while using FinDeals.

Users must not use the Platform to conduct activities that they are legally prohibited from conducting.

6.12 No Agency or Representation

A User's participation on FinDeals does not create any agency, employment, partnership, joint venture, or representative relationship between that User and SMARTAXIS PRIVATE LIMITED.

Chapter 7 — CHAT & COMMUNICATION

7.1 Purpose

FinDeals may provide chat and communication features that allow Users to communicate with one another regarding financial requirement listings and related matters.

7.2 User-to-User Communication

Communications through the Platform take place directly between the participating Users.

FinDeals provides the communication facility but is not a party to the conversations between Users.

7.3 Permitted Communication

Users may use the chat facility to:

Discuss a financial requirement;
Ask questions about a listing;
Provide relevant information;
Clarify requirement details;
Discuss possible arrangements; and
Decide whether to continue communication with another User.

7.4 Voluntary Exchange of Contact Information

Users may voluntarily exchange their own contact information during their communication.

FinDeals does not sell or provide User contact details to another User as a paid contact-access service.

Any decision to exchange contact information remains solely with the Users involved.

7.5 Communication Outside FinDeals

Users may choose to continue communication outside the Platform.

Once Users communicate outside FinDeals, the Company has no control over that communication and is not a party to any resulting discussion, negotiation, agreement, or arrangement.

7.6 User Responsibility for Messages

Each User is solely responsible for the content of messages, information, representations, commitments, and other material communicated through the Platform.

Users must ensure that their communications are lawful and not misleading.

7.7 Prohibited Communication

Users must not use the chat facility to:

Send spam or unsolicited bulk messages;
Harass, threaten, or intimidate another User;
Impersonate another person or organization;
Commit or facilitate fraud;
Share malicious software or harmful content;
Promote unlawful activities;
Misrepresent financial or business information;
Share content that violates applicable law; or
Circumvent Platform security or restrictions.

7.8 Sensitive Information

Users should exercise caution when sharing sensitive information through chat.

Users should not unnecessarily share:

OTPs;
Passwords;
UPI PINs;
Banking passwords;
Debit or credit card PINs;
Internet banking credentials; or
Other highly sensitive authentication information.

FinDeals will not request a User's password, OTP, UPI PIN, or similar authentication credentials through chat.

7.9 Respectful Communication

Users must communicate respectfully and in good faith.

Abusive, threatening, discriminatory, defamatory, obscene, or otherwise unlawful communication is prohibited.

7.10 Monitoring and Safety

FinDeals may take reasonable measures to detect, investigate, restrict, or prevent spam, fraud, abuse, security threats, or violations of these Terms, subject to applicable law and the Company's Privacy Policy.

7.11 Restriction of Chat Access

FinDeals may restrict or suspend a User's ability to use chat where reasonably necessary because of suspected abuse, fraud, security concerns, violation of these Terms, or applicable legal requirements.

7.12 No Responsibility for User Communications

FinDeals does not verify the accuracy, completeness, legality, or truthfulness of every communication between Users.

Users are responsible for independently evaluating information received from other Users before relying upon it or entering into any arrangement.

7.13 Communication Records

Where permitted by applicable law, FinDeals may retain relevant communication records and technical information for purposes including platform security, fraud prevention, customer support, dispute handling, and legal compliance.

7.14 No Control Over External Communication

FinDeals has no control over communications that Users conduct outside the Platform.

Any agreement, financial arrangement, payment, commitment, or other activity arising from such external communication is solely between the Users involved.

7.15 No Guaranteed Outcome

Use of the chat facility does not guarantee that a User will receive an offer, funding, response, agreement, or any other financial or commercial outcome.

Chapter 8 — USER-TO-USER TRANSACTIONS

8.1 Independent Transactions

Any financial arrangement, agreement, negotiation, or transaction entered into between Users is an independent transaction between those Users.

FinDeals is not a party to such transactions.

8.2 Role of FinDeals

FinDeals provides a digital platform through which Users may publish requirements, discover listings, and communicate with one another.

FinDeals does not negotiate, approve, arrange, execute, or guarantee transactions between Users. This is consistent with the existing Terms' treatment of User-to-User interactions as independent of the Company.

8.3 User Decisions

Each User independently decides whether to:

Respond to another User;
Continue discussions;
Exchange contact information;
Share information or documents;
Negotiate terms;
Enter into an agreement; or
Proceed with any financial arrangement.

FinDeals does not direct or control these decisions.

8.4 Negotiations Between Users

All negotiations concerning a proposed transaction are conducted directly between the Users involved.

Users are responsible for determining and agreeing upon any applicable terms, including amounts, repayment arrangements, interest, security, timelines, and other conditions.

8.5 Payments Between Users

FinDeals does not collect, hold, transfer, or settle money on behalf of Users in connection with transactions between them.

Any payment or transfer of money between Users is made independently by the Users and at their own risk.

8.6 Agreements Between Users

Users are solely responsible for preparing, reviewing, signing, and complying with any agreement they may enter into with another User.

FinDeals does not draft, approve, certify, or guarantee such agreements.

8.7 Verification and Due Diligence

Users are responsible for independently verifying the identity, information, representations, documents, authority, and other relevant circumstances of another User before entering into any arrangement.

8.8 No Guarantee by FinDeals

FinDeals does not guarantee:

Completion of any transaction;
Repayment of any amount;
Performance by any User;
Accuracy of User representations;
Authenticity of documents;
Availability of funds;
Financial capability of a User; or
Any particular outcome from communication between Users.

8.9 Disputes Between Users

Any dispute arising directly between Users concerning a transaction, agreement, payment, representation, performance, or other arrangement shall primarily be a matter between the Users involved.

FinDeals may take Platform-related action where a User violates these Terms, but such action does not make FinDeals a party to the underlying transaction.

8.10 Transactions Outside the Platform

Users may choose to continue their discussions or transactions outside FinDeals.

Once a transaction or communication takes place outside the Platform, FinDeals has no control over that activity and does not assume responsibility for its terms, performance, or outcome.

8.11 User Responsibility

By proceeding with any transaction with another User, each User acknowledges that they are making an independent decision and assumes responsibility for the consequences of that decision.

Chapter 9 — NO FINANCIAL SERVICES / NO AGENCY

9.1 No Financial Services

FinDeals is a digital platform for publishing and discovering financial requirement listings and facilitating communication between Users.

FinDeals does not itself provide financial services or conduct financial transactions between Users.

9.2 Activities Not Performed by FinDeals

FinDeals does not:

Lend money;
Borrow money;
Accept deposits;
Approve or reject loans;
Determine loan eligibility;
Determine interest rates or repayment terms;
Guarantee funding or repayment;
Collect loan repayments;
Recover debts;
Act as a guarantor;
Provide financial advice;
Provide investment advice;
Provide credit ratings or credit assessments; or
Execute financial transactions between Users.

These limitations are consistent with the corresponding provisions in the previous Terms, while removing the obsolete services that are no longer part of the current FinDeals model.

9.3 No Agency Relationship

Use of FinDeals does not create an agency, partnership, joint venture, employment, fiduciary, or representative relationship between SMARTAXIS PRIVATE LIMITED and any User.

No User is authorized to represent that they are an agent, representative, employee, partner, or authorized financial representative of FinDeals or SMARTAXIS PRIVATE LIMITED unless expressly authorized in writing by the Company.

9.4 No Lender or Borrower Representation

FinDeals does not act as a lender or borrower in transactions between Users.

A User's participation on the Platform does not mean that FinDeals endorses, recommends, or represents that User.

9.5 No Financial Decision-Making

FinDeals does not make financial decisions on behalf of Users.

Each User independently decides whether to communicate with another User, negotiate terms, or enter into any financial arrangement.

9.6 No Intermediation of User Transactions

FinDeals does not negotiate or execute financial arrangements between Users.

Any financial arrangement resulting from communication between Users is independently negotiated and entered into by the Users concerned.

9.7 No Authority to Bind the Company

No User may make any representation, promise, guarantee, commitment, or agreement on behalf of FinDeals or SMARTAXIS PRIVATE LIMITED.

Any unauthorized representation by a User does not create an obligation or liability for the Company.

9.8 No Regulatory Authorization Implied

The availability of FinDeals as a platform does not constitute or imply that the Company holds a licence, registration, approval, or authorization to conduct any regulated financial activity.

Users must not interpret the existence or operation of the Platform as an endorsement or authorization of any financial activity conducted by another User.

9.9 User's Independent Responsibility

Users are solely responsible for ensuring that their own activities, communications, negotiations, and financial arrangements comply with applicable laws and any licences or permissions that may apply to them.

9.10 Separate Treatment of Platform Services

The Company's provision of digital platform features, including listing, search, communication, and Post Highlight, does not mean that the Company provides, arranges, guarantees, or participates in the underlying financial activity between Users.

Chapter 10 — USER RESPONSIBILITY & DUE DILIGENCE

10.1 User Responsibility

Each User is responsible for their own use of the FinDeals Platform, including the information they provide, listings they publish, communications they make, and decisions they take in relation to other Users.

10.2 Accuracy of Information

Users must provide information that is accurate, truthful, and not knowingly misleading.

Users should promptly correct material information in their listings or profile where they become aware that such information is inaccurate or outdated.

10.3 Independent Verification

Users are responsible for independently verifying information received from another User before relying upon it or proceeding with any arrangement.

Such verification may include, where appropriate, verifying:

Identity;
Contact information;
Ownership or authority;
Financial capability;
Documents;
Representations made by another User; and
Any other information relevant to the proposed arrangement.

FinDeals does not guarantee the authenticity or accuracy of information submitted by Users.

10.4 Due Diligence Before Transactions

Users should conduct appropriate due diligence before entering into any financial or other arrangement with another User.

Users should consider obtaining appropriate professional or legal advice where the nature or value of an arrangement makes such advice appropriate.

10.5 Compliance with Applicable Law

Each User is responsible for ensuring that their own activities through or arising from their use of FinDeals comply with applicable laws and regulations.

Where a User's activities require a licence, registration, approval, or other legal authorization, that User is responsible for obtaining and maintaining it.

10.6 Protection of Personal and Financial Information

Users should exercise reasonable caution when sharing personal, financial, authentication, or confidential information with other Users.

Users should not disclose passwords, OTPs, UPI PINs, banking credentials, or similar authentication information to another User.

10.7 Responsibility for User Decisions

Every User independently decides whether to communicate with another User, exchange information, negotiate, enter into an agreement, make a payment, or proceed with any transaction.

FinDeals does not make these decisions on behalf of Users.

10.8 No Reliance on Platform Presence

The presence of a User, listing, or requirement on FinDeals should not by itself be treated as proof that the User is genuine, financially capable, authorized, trustworthy, or suitable for a transaction.

Users should not treat Platform availability as an endorsement or recommendation by FinDeals.

10.9 Responsibility for Agreements

If Users enter into an agreement with each other, each User is responsible for understanding the terms of that agreement before accepting it.

FinDeals does not review, approve, or guarantee agreements entered into between Users.

10.10 Reporting Suspicious Activity

Users should promptly report suspected fraud, impersonation, misleading listings, abusive behaviour, unauthorized use of accounts, or other suspicious activity through the reporting or support channels made available by FinDeals.

10.11 Platform Due Diligence and User Conduct

Users acknowledge that online platforms may involve risks arising from information supplied by third parties. FinDeals may implement reasonable measures to address unlawful content, fraud, abuse, and security risks, but such measures do not replace the User's own responsibility to exercise appropriate caution and due diligence. Indian intermediary/platform obligations can include due-diligence measures concerning unlawful or privacy-invasive user content.

10.12 No Assumption of Responsibility by FinDeals

A User's failure to conduct appropriate verification or due diligence does not transfer responsibility for that User's decision to FinDeals.

Each User remains responsible for their own actions, decisions, and arrangements with other Users.

Chapter 11 — USER CONTENT & LISTINGS

11.1 User Content

Users may submit, upload, publish, or otherwise provide information and materials through FinDeals, including financial requirement listings, text, photographs, and other content permitted by the Platform.

Such material is collectively referred to as "User Content." The previous Terms similarly define User Content broadly and place responsibility for submitted content on the User.

11.2 Responsibility for User Content

Each User is solely responsible for the User Content they submit or publish on FinDeals.

Users must ensure that their User Content is:

Accurate to the best of their knowledge;
Not knowingly misleading;
Lawful;
Relevant to the listing or communication;
Not fraudulent; and
Not in violation of these Terms or applicable law.

11.3 Financial Requirement Listings

A financial requirement listing must accurately represent the User's actual requirement.

Users must not create fictitious requirements or publish information intended to deceive, mislead, or improperly influence other Users.

11.4 Prohibited Information in Listings

Users must not include information in a listing that:

Is false or materially misleading;
Falsely represents ownership of an asset;
Falsely represents financial capability;
Falsely claims approval, authorization, registration, or licensing;
Creates a false guarantee or expectation; or
Violates applicable law.

These principles are also reflected in the previous Terms' provisions concerning misleading statements in listings.

11.5 Updating Listings

Users should update or remove a listing when material information changes, including when:

The financial requirement changes;
The amount required changes;
The purpose changes;
Relevant asset or security information changes; or
The requirement has been fulfilled.

The previous Terms similarly require listings to be updated when their material information becomes inaccurate.

11.6 User Ownership of Content

Users retain their rights in User Content that they lawfully own.

By submitting User Content to FinDeals, the User grants SMARTAXIS PRIVATE LIMITED the limited rights necessary to host, store, display, reproduce, transmit, and technically process that content for operating and providing the Platform.

This permission does not transfer ownership of the User's underlying content to the Company.

11.7 Platform Use of Listings

FinDeals may display User listings to other Users as part of the normal operation of the Platform.

Listings may also be processed, formatted, categorized, indexed, or displayed in different layouts to operate and improve Platform functionality.

11.8 Review and Moderation

FinDeals may review User Content and listings for purposes including Platform safety, fraud prevention, compliance with these Terms, technical quality, and applicable legal requirements.

Review or publication of a listing does not constitute verification, certification, endorsement, or approval of the User or the information contained in the listing. The previous Terms expressly make the same distinction.

11.9 Removal or Restriction of Content

FinDeals may reject, restrict, hide, suspend, or remove User Content or listings where reasonably necessary because of:

Violation of these Terms;
Suspected fraud or abuse;
Illegal or prohibited content;
Security concerns;
Complaints;
Applicable law; or
Protection of the Platform or its Users.

11.10 Platform Formatting

FinDeals may make reasonable technical or formatting changes to User Content, such as resizing images, correcting formatting, categorizing listings, or improving presentation, where necessary for Platform operation.

Such changes should not materially alter the substance of a User's requirement.

11.11 No Endorsement

The publication, display, highlighting, categorization, or search visibility of a listing does not mean that FinDeals endorses, recommends, verifies, or guarantees the User, listing, or any information contained within it.

11.12 User Indemnity for Content

Users remain responsible for ensuring that the content they publish does not violate the rights of others or applicable law.

Any consequences arising from unlawful, fraudulent, infringing, or misleading User Content may be the responsibility of the User who submitted that content, subject to applicable law.

Chapter 12 — PROHIBITED ACTIVITIES

12.1 General Prohibition

Users must use FinDeals only for lawful purposes and in accordance with these Terms.

Any activity that is fraudulent, unlawful, abusive, misleading, harmful to other Users, or intended to misuse the Platform is prohibited.

12.2 False or Misleading Information

Users must not:

Provide false or fabricated information;
Publish misleading financial requirements;
Misrepresent their identity;
Misrepresent ownership of an asset or property;
Misrepresent financial capability;
Make false claims regarding approvals, licences, registrations, or authorizations; or
Make guarantees or promises that they are not legally or factually capable of fulfilling.

These restrictions are consistent with the previous Terms' requirements concerning truthful information and non-impersonation.

12.3 Fraud and Scam Activities

Users must not use FinDeals to conduct, facilitate, promote, or attempt:

Fraud;
Cheating;
Scams;
Identity theft;
Impersonation;
Financial deception;
Fake loan or funding offers;
Fake financial requirements; or
Any other dishonest activity.

12.4 Impersonation

Users must not impersonate:

Another individual;
A company;
A bank;
An NBFC;
A financial institution;
A government authority; or
Any other organization or person.

Users must not falsely claim to represent FinDeals or SMARTAXIS PRIVATE LIMITED.

12.5 Unlawful Activities

The Platform must not be used for activities that violate applicable laws or regulations, including activities involving fraud, money laundering, unlawful financial activity, cybercrime, or other prohibited conduct.

12.6 Misuse of User Information

Users must not misuse information obtained from another User through FinDeals.

This includes using another User's information for:

Harassment;
Spam;
Fraud;
Unauthorized marketing;
Identity theft;
Unlawful solicitation; or
Any purpose prohibited by applicable law.

12.7 Harassment and Abuse

Users must not use the Platform to:

Threaten another User;
Harass or intimidate another User;
Send abusive or obscene communications;
Engage in stalking or targeted abuse; or
Repeatedly contact a User after being asked to stop.

12.8 Spam and Unsolicited Communications

Users must not use FinDeals to send:

Spam;
Bulk unsolicited messages;
Automated promotional messages;
Repeated unwanted communications; or
Messages intended to manipulate or disrupt other Users.

12.9 Platform Manipulation

Users must not manipulate Platform functionality, listings, visibility, rankings, or other Platform systems through deceptive or abusive methods.

This includes creating multiple accounts for manipulation, artificially generating activity, or attempting to circumvent Platform controls.

12.10 Unauthorized Automated Access

Unless expressly authorized by FinDeals, Users must not use:

Scraping tools;
Bots;
Crawlers;
Automated account creation;
Automated messaging;
Data-mining tools; or
Other automated systems to collect or extract Platform information.

The previous Terms specifically prohibit scraping, bots, crawlers, bulk extraction, automated account creation, and automated messaging.

12.11 Security Abuse

Users must not:

Attempt to bypass authentication;
Use stolen credentials;
Attempt unauthorized account access;
Exploit security vulnerabilities;
Interfere with Platform infrastructure;
Introduce malicious software; or
Attempt to compromise the security of FinDeals or its Users.

12.12 Prohibited Listings

Users must not publish listings that are:

Fake;
Fraudulent;
Unlawful;
Misleading;
Intended to deceive other Users;
Unrelated to the permitted purpose of the Platform; or
Otherwise prohibited under these Terms or applicable law.

12.13 Circumvention

Users must not intentionally circumvent Platform security, technical restrictions, account controls, or other mechanisms designed to protect FinDeals and its Users.

12.14 Intellectual Property Violations

Users must not upload, publish, or distribute content that infringes another person's copyright, trademark, privacy rights, publicity rights, or other intellectual property rights.

12.15 Illegal Financial Activities

FinDeals must not be used to facilitate financial activities that a User is legally prohibited from conducting.

Where a User's activity requires a licence, registration, approval, or other authorization, the User is responsible for obtaining and maintaining the required authorization.

12.16 Other Unlawful Conduct

Users must not use FinDeals for any activity that violates applicable law, including laws relating to:

Financial services;
Consumer protection;
Data protection;
Electronic communications;
Taxation;
Anti-money laundering;
Cybersecurity; or
Intellectual property.

The previous Terms similarly require Users to comply with applicable regulatory and legal requirements.

12.17 Reporting Prohibited Activities

Users are encouraged to report suspected:

Fraud;
Fake listings;
Fake identities;
Scam attempts;
Harassment;
Illegal activities;
Misleading content;
Intellectual property violations; and
Security incidents

through the official reporting or support channels provided by FinDeals.

12.18 Investigation

Where reasonably necessary, FinDeals may investigate suspected violations of these Terms using information and technical records available to the Company, subject to applicable law and the Privacy Policy.

12.19 Enforcement

Where a violation is identified or reasonably suspected, FinDeals may take appropriate action, including:

Removing or restricting a listing;
Restricting Platform functionality;
Suspending an account;
Terminating an account;
Restricting visibility;
Preserving relevant records; or
Reporting suspected unlawful conduct to competent authorities where required or appropriate.

The previous Terms provide for similar enforcement measures for prohibited activities.

12.20 Immediate Action

FinDeals may take immediate action without prior notice where reasonably necessary to address suspected fraud, serious abuse, security threats, immediate risk to Users, or legal requirements.

12.21 No Obligation to Monitor Everything

FinDeals may use automated systems, moderation processes, and User reports to identify prohibited activities. However, the Company does not guarantee that every prohibited activity, listing, message, or violation will be detected.

The absence of detection or enforcement does not constitute approval or endorsement of the activity.

12.22 Compliance With Law

Nothing in these Terms permits a User to conduct an activity that is prohibited by applicable law.

Each User remains responsible for ensuring that their own conduct and activities comply with applicable legal requirements.

Chapter 13 — PRIVACY & CONTACT INFORMATION

13.1 Privacy

SMARTAXIS PRIVATE LIMITED respects the privacy of Users and aims to handle personal information in accordance with applicable law, these Terms, and the FinDeals Privacy Policy.

This Chapter provides the contractual framework relating to User information. Detailed information regarding collection, use, storage, retention, security, and other privacy practices may be provided in the separate FinDeals Privacy Policy. The previous Terms also treated the privacy chapter as a contractual summary alongside a separate Privacy Policy.

13.2 Information Collected

Depending on how a User uses FinDeals, the Platform may collect information such as:

Name;
Mobile number;
Email address, where provided;
City, district, state, and country;
Account information;
Financial requirement information;
Listing information;
Information voluntarily provided through chat or other Platform features; and
Technical information required for operating and securing the Platform.

The previous Terms identify account information, financial requirement information, technical information, and communication information as categories of information that may be collected.

13.3 Mobile Number Verification

FinDeals may verify a User's mobile number through OTP or another authentication method.

Mobile verification confirms access to the submitted mobile number at the time of verification. It does not, by itself, constitute verification of the User's identity, financial capability, ownership of assets, or creditworthiness.

13.4 Financial Requirement Information

When publishing a financial requirement, a User may voluntarily provide information relating to the requirement, such as the required amount, category, location, purpose, or relevant asset information.

Users should provide only information that is reasonably necessary for their listing and should avoid publishing unnecessary sensitive personal information.

13.5 Public Listings

Information included by a User in a publicly visible listing may be accessible to other Users or visitors to the Platform, depending on the applicable Platform functionality.

Users should therefore consider carefully what information they choose to publish in a listing.

13.6 Contact Information

FinDeals does not sell, rent, lease, license, or commercially provide User contact details as a paid contact-access or lead-selling service.

In particular, FinDeals does not operate a service under which a User pays the Company to obtain another User's mobile number or other direct contact information.

13.7 Voluntary Exchange of Contact Information

Users may voluntarily exchange their own contact information with another User through chat or through their own independent communication.

Any such exchange is initiated by the Users themselves.

FinDeals does not represent that it has verified the identity, authority, financial capability, or intentions of a User merely because the User has registered on or communicated through the Platform.

13.8 Use of Personal Information

Information may be processed for legitimate purposes connected with operating FinDeals, including:

Creating and maintaining User accounts;
Mobile verification;
Providing Platform functionality;
Publishing and displaying listings;
Facilitating User communication;
Customer support;
Platform security;
Fraud prevention;
Technical maintenance;
Improving Platform functionality;
Processing Post Highlight payments;
Legal and regulatory compliance; and
Resolving disputes or investigating violations.

These purposes are consistent with the previous Terms' general data-processing framework, while removing obsolete purposes such as Membership management, Contact Unlock, and Business Dashboard services.

13.9 No Sale of User Data

FinDeals does not sell User personal information or User contact databases as a commercial data-selling service.

The Company may disclose information where reasonably necessary to operate the Platform, provide required services, comply with applicable law, protect Users or the Company, investigate fraud or abuse, or respond to lawful requests from competent authorities, subject to applicable law and the Privacy Policy.

13.10 Third-Party Service Providers

FinDeals may use third-party technology or service providers where reasonably necessary to operate the Platform, such as hosting, authentication, payment processing, analytics, communications, security, or technical infrastructure providers.

Such providers may process information only as necessary for the relevant service and subject to applicable contractual, legal, or privacy requirements.

13.11 Legal Disclosure

FinDeals may disclose User information where required or permitted by applicable law, including in response to lawful requests, court orders, regulatory requirements, law-enforcement requests, fraud investigations, or protection of the rights and safety of Users, the Company, or others.

The previous Terms similarly contemplate lawful disclosure to competent governmental and regulatory authorities.

13.12 User Responsibility for Shared Information

Users are responsible for information they voluntarily share with other Users through listings, chat, or other communication.

Once a User voluntarily provides information directly to another User, FinDeals cannot control how that recipient may subsequently use the information.

13.13 Sensitive Information

Users should not share highly sensitive authentication or financial security information through listings or chat, including:

Passwords;
OTPs;
UPI PINs;
Banking passwords;
Card PINs; or
Similar authentication credentials.

FinDeals will not require Users to disclose such authentication credentials to another User through the Platform.

13.14 Data Security

SMARTAXIS PRIVATE LIMITED may implement reasonable technical and organizational measures intended to protect User information against unauthorized access, alteration, disclosure, misuse, or destruction.

However, no internet-based system can be guaranteed to be completely secure.

13.15 Data Retention

FinDeals may retain information for as long as reasonably necessary for the purposes for which it was collected, legitimate business purposes, security, fraud prevention, dispute resolution, legal obligations, or other purposes permitted by applicable law.

13.16 Privacy Policy

Users should read the FinDeals Privacy Policy for detailed information regarding the collection, processing, storage, sharing, retention, and protection of personal information.

Where applicable law requires a specific consent for a particular processing activity, such consent will be obtained in the manner required by law.

13.17 Changes to Privacy Practices

FinDeals may update its privacy practices from time to time to reflect changes in the Platform, technology, applicable law, or operational requirements.

Any material changes will be addressed through the applicable Privacy Policy or other appropriate notice.

Chapter 14 — POST HIGHLIGHT SERVICE

14.1 Purpose

FinDeals may provide a Post Highlight service that allows a User to promote the visibility of an eligible financial requirement listing within a selected geographic area.

Post Highlight is a promotional feature intended to provide increased visibility to a User's listing. It does not constitute a financial service or a guarantee of any financial outcome.

14.2 Eligibility

A User with an eligible published listing may purchase Post Highlight, subject to:

The listing complying with these Terms;
The listing remaining active on the Platform; and
Successful payment of the applicable Post Highlight fee.

14.3 Nature of Post Highlight

Post Highlight may give a selected listing greater visibility within the geographic area selected by the User.

The exact manner in which highlighted listings are displayed may depend on the Platform's design, technical systems, algorithms, and available inventory.

The previous Terms similarly describe Premium Highlight as a paid promotional feature intended to improve listing visibility rather than guarantee results.

14.4 Highlighted Listing

A highlighted listing may be identified or displayed using a suitable visual indicator, label, placement, or other presentation determined by FinDeals.

Highlighting a listing does not constitute verification, endorsement, recommendation, or approval of the information contained in that listing.

14.5 Geographic Reach

Post Highlight is available based on the geographic radius selected by the User.

The available geographic options and applicable fees are specified separately in Chapter 15 — Highlight Pricing & Geographic Reach.

14.6 Activation

Post Highlight becomes active after successful payment and technical activation by the Platform.

The availability of the service may be affected by technical, operational, security, or other legitimate Platform requirements.

14.7 Duration

The applicable duration of a Post Highlight will be displayed to the User before purchase.

After the applicable promotional period ends, the listing may return to its normal Platform visibility.

14.8 No Exclusive Placement

Purchasing Post Highlight does not provide the User with:

Exclusive visibility;
Exclusive geographic rights;
Guaranteed first position;
Guaranteed search ranking; or
Exclusive access to other Users.

Multiple Users may highlight listings within the same geographic area.

14.9 No Guaranteed Results

Post Highlight only provides an opportunity for increased visibility.

FinDeals does not guarantee:

A particular number of views;
A particular number of enquiries;
Chat responses;
Contact from any User;
A lender or interested User;
Funding;
Loan approval;
Completion of a transaction;
Revenue; or
Any other financial or commercial result.

The previous Terms expressly state that promotional visibility does not guarantee impressions, enquiries, responses, transactions, revenue, or profit.

14.10 Listing Compliance

A highlighted listing must continue to comply with these Terms and applicable law.

If a highlighted listing is found to violate these Terms, contain prohibited content, or create a legitimate safety, fraud, or legal concern, FinDeals may remove or restrict the listing or its highlighted status.

14.11 Modification or Removal

FinDeals may modify, suspend, or remove Post Highlight where reasonably necessary due to:

Violation of these Terms;
Fraud or suspected fraudulent activity;
Security concerns;
Technical issues;
Legal or regulatory requirements; or
Platform operational requirements.

14.12 No Change to User's Requirement

Post Highlight does not change the substance of the User's financial requirement.

It is solely a visibility feature applied to an existing eligible listing.

14.13 User Responsibility

The User remains fully responsible for the accuracy, legality, and content of the highlighted listing.

Payment for Post Highlight does not cause FinDeals to verify or endorse the listing.

14.14 Changes to Post Highlight

FinDeals may modify the design, presentation, availability, or technical operation of Post Highlight from time to time.

Chapter 15 — HIGHLIGHT PRICING & GEOGRAPHIC REACH

15.1 Highlight Pricing

FinDeals currently offers Post Highlight at the following geographic levels:

Geographic Reach	Highlight Fee
Up to 5 KM	₹199
Up to 15 KM	₹299
Up to 25 KM	₹399
Up to 50 KM	₹499

15.2 Selection of Geographic Reach

When purchasing Post Highlight, the User may select one of the geographic reach options made available by FinDeals.

The selected geographic reach determines the intended area within which the highlighted listing may receive increased visibility.

15.3 Geographic Visibility

The selected radius represents the intended geographic coverage of the Highlight service.

It does not guarantee that every User within that geographic area will view, receive, or interact with the highlighted listing.

15.4 No Guaranteed Exposure

Payment for a particular geographic reach does not guarantee:

A specific number of views;
A specific number of Users reached;
A specific number of enquiries;
Any chat or response;
Any lender or interested User;
Funding or financial assistance; or
Completion of any transaction.

15.5 Pricing Changes

SMARTAXIS PRIVATE LIMITED may revise Post Highlight pricing or introduce, modify, or discontinue geographic options from time to time.

Any revised pricing will apply to future purchases and will not retrospectively change the price of a completed purchase, except where required by applicable law.

15.6 Applicable Price

The price displayed to the User on the Platform at the time of purchase shall be the applicable price for that Post Highlight purchase.

The User should review the selected geographic reach, applicable fee, and other purchase details before completing payment.

15.7 No Membership or Subscription

Post Highlight is a standalone promotional service.

Purchasing Post Highlight does not create or include:

A membership;
A subscription;
A credit balance;
A contact-access package;
A business membership; or
Any recurring payment obligation.

15.8 No Additional Geographic Charges

The User will be charged according to the geographic option selected at the time of purchase.

FinDeals will not treat the selected geographic reach as permission to charge the User for additional contact details, leads, chats, or financial transactions.

15.9 Geographic Accuracy

The availability and operation of geographic targeting may depend on location information, mapping systems, Platform technology, and other technical factors.

Accordingly, the geographic reach should be understood as a targeting range for promotional visibility, and not as a guarantee of exact physical coverage.

Chapter 16 — PAYMENTS & REFUNDS FOR HIGHLIGHT

16.1 Scope

This Chapter applies specifically to payments made by Users for the Post Highlight service offered by FinDeals.

No Membership, Subscription, Credit, Contact Unlock, or other paid access service is covered by this Chapter.

16.2 Payment for Post Highlight

A User may purchase Post Highlight by paying the applicable fee displayed on the Platform for the selected geographic reach.

The applicable pricing is set out in Chapter 15 — Highlight Pricing & Geographic Reach.

16.3 Payment Processing

Payments may be processed through third-party payment processors or payment service providers made available by FinDeals.

A payment is considered successfully completed only when the payment is successfully confirmed by the relevant payment system and received or reconciled by the Company.

Submission of payment information alone does not guarantee successful payment or activation. This follows the payment principle in the previous Terms.

16.4 Failed or Pending Payments

A payment may fail or remain pending because of circumstances including:

Insufficient funds;
Bank or payment-network issues;
Payment processor errors;
Incorrect payment information;
Technical failures;
Fraud-prevention checks; or
Other circumstances outside the Company's reasonable control.

Where payment is unsuccessful, the Post Highlight service will not be activated unless and until successful payment is confirmed.

16.5 Payment Confirmation

After successful payment, FinDeals may provide a payment confirmation, receipt, invoice, transaction reference, or other confirmation through the Platform or registered communication channel.

Users should retain such information for their records.

16.6 Taxes

Applicable taxes, including GST where applicable, may be charged in accordance with Indian law.

The applicable amount payable will be displayed to the User before payment confirmation, where required.

16.7 Duplicate Payments

If a User believes that they have been charged more than once for the same Post Highlight purchase, the User should contact FinDeals through the available support channel and provide the relevant transaction details.

The Company may investigate the duplicate payment and, where appropriate, issue a correction or refund in accordance with applicable law.

16.8 General Refund Principle

Payment for Post Highlight is generally non-refundable once the Highlight service has been successfully activated or the applicable promotional period has commenced, except where a refund is required by applicable law or is approved by the Company under this Chapter.

16.9 Eligible Refund Circumstances

Subject to verification, FinDeals may consider a refund where:

A duplicate payment was made;
Payment was successfully completed but the Post Highlight was not activated due to a Company-side technical error;
The User was incorrectly charged due to a billing error attributable to the Company; or
Another exceptional circumstance warrants a refund under applicable law.

The previous Terms similarly identify duplicate payments, successful payment without activation due to a Company system error, incorrect Company billing, and certain technical failures as circumstances in which refunds may be considered.

16.10 Non-Refundable Highlight

Except where required by applicable law, a refund will generally not be available where:

The Highlight has already been activated and used;
The promotional period has expired;
The User's listing was removed because of the User's violation of these Terms; or
The User simply changes their mind after the service has been activated.

16.11 Cancellation by User

A User may request cancellation of a Post Highlight before activation by contacting FinDeals through the available support channel.

Cancellation does not automatically create a right to a refund.

Once the Highlight has been activated or its promotional period has commenced, cancellation by the User will generally not result in a refund, subject to applicable law.

16.12 Cancellation or Removal by FinDeals

FinDeals may suspend or remove a Highlight where reasonably necessary because of:

Violation of these Terms;
Fraud or suspected fraudulent activity;
Misleading or prohibited content;
Security concerns;
Legal or regulatory requirements; or
Technical or operational reasons.

Removal resulting from the User's violation of these Terms will generally not entitle the User to a refund, except where required by applicable law.

16.13 Refund Request

A User requesting a refund should contact FinDeals through the designated support channel and provide sufficient information to identify the payment, such as:

Transaction reference;
Registered mobile number;
Date of payment;
Payment method; and
Description of the issue.

The Company may request additional information reasonably necessary to investigate the request.

16.14 Refund Processing

Where a refund is approved, it will generally be processed through the original payment method or another appropriate method permitted by the payment processor and applicable law.

The time taken for the refund to reach the User may depend on the relevant bank, card network, UPI system, payment processor, or other financial intermediary.

16.15 Chargebacks and Payment Disputes

Users should first contact FinDeals regarding a payment issue where reasonably possible.

Where a User initiates a chargeback or payment dispute through a bank, card issuer, or payment processor, FinDeals may investigate the transaction and provide relevant information to the payment processor or financial institution, subject to applicable law.

16.16 Payment Records

FinDeals may retain payment-related records, including transaction references, invoices, receipts, payment confirmations, refund records, and relevant dispute records, for accounting, taxation, fraud prevention, customer support, legal compliance, and dispute-resolution purposes, subject to applicable law.

Chapter 17 — NO GUARANTEE OF LOAN / FUNDING / LEADS

17.1 No Guarantee of Loan or Funding

FinDeals does not guarantee that any financial requirement published on the Platform will result in a loan, funding, financial assistance, or any other financial arrangement.

Publishing a requirement on FinDeals does not constitute an application for a loan with FinDeals and does not create any obligation on FinDeals to arrange funding.

17.2 No Guarantee of Lender Response

FinDeals does not guarantee that a User who publishes a financial requirement will receive:

Any response;
Any chat;
Any enquiry;
Any offer;
Any lender or interested User; or
Any financial proposal.

17.3 No Guarantee of Leads

FinDeals does not guarantee any minimum number of leads, enquiries, contacts, responses, or interactions from other Users.

The number and quality of responses may vary depending on factors including the listing, location, User interest, timing, and other circumstances beyond the Company's control.

17.4 Post Highlight Does Not Guarantee Results

Payment for Post Highlight only provides the promotional visibility described in Chapters 14 and 15.

A highlighted listing does not guarantee:

Loan approval;
Funding;
A lender;
A lead;
A response;
A specific number of views;
A specific number of enquiries; or
Completion of any transaction.

17.5 No Guarantee of User Conduct

FinDeals does not guarantee that any User who responds to a listing will:

Have sufficient financial capability;
Complete a proposed transaction;
Honour a promise or commitment;
Provide accurate information; or
Continue communication.

Users must independently evaluate and verify other Users before proceeding with any arrangement.

17.6 No Guarantee of Financial Terms

FinDeals does not determine or guarantee:

Loan amount;
Interest rate;
Repayment period;
Security requirements;
Fees;
Charges;
Eligibility criteria; or
Any other terms proposed between Users.

Such matters are determined independently by the Users involved.

17.7 No Guarantee of Transaction Completion

Communication between Users does not mean that a transaction will be completed.

A proposed arrangement may fail, be cancelled, rejected, delayed, or abandoned for any reason.

FinDeals is not responsible for the failure or non-completion of a transaction between Users.

17.8 No Guarantee Based on Platform Visibility

The appearance of a listing in search results, recommendations, highlighted sections, or other areas of the Platform does not constitute an endorsement or guarantee by FinDeals.

Platform visibility does not indicate that a User or listing has been verified, approved, recommended, or financially assessed by the Company.

17.9 No Financial Outcome Guarantee

Users acknowledge that FinDeals cannot guarantee any financial or commercial outcome arising from use of the Platform.

Each User independently assumes responsibility for decisions made based on information obtained through the Platform.

17.10 No Liability for Unsuccessful Outcomes

To the extent permitted by applicable law, FinDeals shall not be responsible merely because a User:

Does not obtain funding;
Does not receive responses;
Does not find a suitable User;
Does not complete a transaction; or
Does not achieve the financial outcome they expected from using the Platform.

Nothing in this Chapter excludes any liability that cannot legally be excluded under applicable law.

Chapter 18 — FRAUD, SCAMS & REPORTING

18.1 Purpose

FinDeals aims to maintain a safe and trustworthy Platform. However, Users acknowledge that interactions with other Users may involve risks, including fraud, scams, false information, impersonation, and other unlawful activities.

Every User is responsible for exercising reasonable caution and conducting appropriate verification before entering into any arrangement with another User.

18.2 Fraud and Scam Activities

Users must not use FinDeals to conduct, facilitate, promote, or attempt fraudulent or deceptive activities.

This includes:

Fake financial requirements;
Fake identities;
Impersonation;
False ownership claims;
Fraudulent offers;
Fake documents;
Misleading representations;
Attempts to obtain money or information through deception; and
Other unlawful or fraudulent activities.

The previous Terms specifically prohibit fictitious requirements, fabricated financial requirements, fake identities, fraudulent activities, and listings intended to collect information deceptively.

18.3 Impersonation

Users must not impersonate another person, company, bank, NBFC, financial institution, government authority, or other organization.

Users must not falsely claim to be representatives, agents, employees, or authorized persons of FinDeals or SMARTAXIS PRIVATE LIMITED.

18.4 Fake Listings

Users must not publish financial requirements that are:

Fictitious;
Fabricated;
Intentionally misleading;
Created to deceive other Users;
Created primarily to obtain another User's personal information; or
Connected with unlawful activity.

18.5 Fake Documents and Information

Users must not submit or display forged, altered, fabricated, or otherwise fraudulent documents or information through the Platform.

Any suspected use of fraudulent documents may result in Platform enforcement and, where required or permitted by law, reporting to appropriate authorities.

18.6 Fraudulent Communications

Users must not use chat or other Platform communication features to:

Make fraudulent representations;
Request money through deceptive means;
Impersonate another person or organization;
Send scam messages;
Obtain sensitive information through deception; or
Facilitate unlawful activities.

18.7 User Caution

Users should independently verify relevant information before entering into any financial or other arrangement with another User.

Depending on the circumstances, this may include verifying identity, ownership, authority, documents, licences, financial capability, or other relevant information.

The previous Terms similarly place independent verification responsibility on Users.

18.8 Reporting Suspicious Activity

Users are encouraged to promptly report suspected:

Fraud;
Scam attempts;
Fake listings;
Fake identities;
Impersonation;
Fraudulent communications;
Fake or forged documents;
Payment fraud;
Harassment;
Spam;
Unauthorized account activity; or
Other Platform abuse.

Reports should be submitted through the official reporting or support channels made available by FinDeals.

18.9 Information in Reports

Where reasonably possible, a report should include sufficient information to help FinDeals understand and investigate the concern, such as:

Listing details;
User information available to the reporting User;
Relevant chat or communication details;
Screenshots or other supporting information; and
A description of the suspected activity.

Users should not knowingly submit false or malicious reports.

18.10 Investigation

FinDeals may review and investigate reports of suspected fraud, scams, abuse, security incidents, or violations of these Terms.

The Company may take reasonable measures based on information available to it.

18.11 Enforcement Measures

Where reasonably necessary, FinDeals may:

Remove or restrict a listing;
Restrict Platform functionality;
Suspend an account;
Terminate an account;
Restrict communication features;
Require additional information or verification;
Preserve relevant records; or
Take other reasonable measures to protect the Platform and its Users.

18.12 Cooperation With Authorities

Where required or permitted by applicable law, FinDeals may cooperate with competent authorities, including law-enforcement, courts, cybercrime authorities, regulators, or other governmental authorities.

Such cooperation may include lawful disclosure of relevant information, records, or evidence.

18.13 Emergency Action

Where FinDeals reasonably believes that immediate action is necessary to protect Users, the Platform, or comply with legal requirements, the Company may take appropriate action without prior notice where permitted by law.

18.14 No Guarantee Against Fraud

FinDeals may implement reasonable measures to identify and address fraudulent or suspicious activity. However, the Company cannot guarantee that:

Every User is genuine;
Every listing is legitimate;
Every communication is truthful;
Fraud will never occur; or
Every attempted scam will be detected or prevented.

The previous Terms expressly recognize these limitations.

18.15 User Responsibility

Reporting a suspicious User or listing does not transfer responsibility for the User's own decisions to FinDeals.

Each User remains responsible for exercising reasonable caution and independently evaluating information before entering into any arrangement with another User.

Chapter 19 — PLATFORM SECURITY

19.1 Purpose

SMARTAXIS PRIVATE LIMITED takes reasonable measures to maintain the security, integrity, and reliability of the FinDeals Platform and to protect User accounts and Platform information from unauthorized access, misuse, or disruption.

19.2 Security Measures

FinDeals may implement reasonable technical and organizational security measures appropriate to the Platform and its operations.

Such measures may include:

Mobile number verification;
Account authentication;
Access controls;
Security monitoring;
Detection of suspicious activity;
Protection against unauthorized access;
System monitoring and logging; and
Other security measures introduced or updated by the Company from time to time.

The previous Terms similarly provide for mobile verification, security monitoring, login anomaly detection, duplicate-account detection, manual investigation, and other security technologies.

19.3 User Account Security

Users are responsible for maintaining the security of their accounts and authentication information.

Users must not knowingly:

Share account credentials;
Allow unauthorized persons to access their accounts;
Attempt to access another User's account; or
Circumvent Platform authentication or security controls.

19.4 Passwords and Authentication Information

Users must keep passwords, OTPs, authentication codes, and other account-security information confidential.

FinDeals will not be responsible for unauthorized access resulting from a User voluntarily sharing or improperly protecting their authentication information, subject to applicable law.

19.5 Unauthorized Access

Users must not attempt to gain unauthorized access to:

Another User's account;
FinDeals administrative systems;
Servers or databases;
Internal tools;
Security controls; or
Any other part of the Platform for which the User does not have authorization.

19.6 Technical Interference

Users must not attempt to:

Circumvent security mechanisms;
Introduce malicious code;
Interfere with Platform operations;
Exploit vulnerabilities without authorization;
Overload or disrupt Platform infrastructure; or
Access or extract information through unauthorized technical means.

19.7 Security Monitoring

FinDeals may maintain technical logs and security information relating to Platform activity where reasonably necessary for:

Platform security;
Fraud prevention;
Investigation of unauthorized access;
Account recovery;
Technical troubleshooting;
Legal compliance; and
Protection of Users and the Company.

The previous Terms similarly permit maintenance of system and security logs for security, compliance, fraud prevention, customer support, and dispute-resolution purposes.

19.8 Security Incidents

If a User becomes aware of suspected unauthorized access, account compromise, security vulnerability, or other security incident affecting FinDeals, the User should promptly report it through the Company's official support or reporting channels.

19.9 Company Response

Where reasonably necessary to protect the Platform or its Users, FinDeals may take security measures including:

Restricting an account;
Suspending an account;
Removing or restricting listings;
Requiring additional verification;
Blocking suspicious activity;
Restricting access to Platform features; or
Preserving relevant technical records.

19.10 Emergency Security Measures

Where immediate action is reasonably necessary to protect Users, the Platform, or comply with legal requirements, FinDeals may take appropriate security measures without prior notice, where permitted by applicable law.

19.11 Third-Party Security Risks

FinDeals may depend on third-party infrastructure and services for portions of its Platform operations.

The Company cannot guarantee that third-party systems, networks, devices, or internet infrastructure will always remain secure or continuously available.

19.12 No Absolute Security Guarantee

Although FinDeals may implement reasonable security measures, no internet-based platform or electronic system can be guaranteed to be completely secure.

Accordingly, FinDeals does not guarantee that:

Unauthorized access will never occur;
Security incidents will never occur;
The Platform will always be free from vulnerabilities;
Data transmission over the internet will always be completely secure; or
Every security threat will be detected or prevented.

19.13 User Cooperation

Users agree to reasonably cooperate with FinDeals in matters relating to:

Account security;
Fraud investigations;
Unauthorized access;
Security incidents;
Account recovery; and
Enforcement of Platform security requirements.

The previous Terms expressly require reasonable cooperation in matters including fraud investigations, account recovery, Platform security, and policy enforcement.

Chapter 20 — SUSPENSION & TERMINATION

20.1 Purpose

This Chapter establishes the circumstances under which SMARTAXIS PRIVATE LIMITED may suspend, restrict, or terminate a User's access to the FinDeals Platform, and the consequences of such action.

The Company may take appropriate enforcement action to protect the Platform, its Users, and the lawful and secure operation of the Platform.

20.2 Right to Suspend or Restrict

Subject to applicable law, FinDeals may temporarily suspend, permanently terminate, or restrict a User's Account where the Company reasonably believes that such action is necessary to:

Protect the Platform;
Protect other Users;
Prevent fraud or abuse;
Investigate suspected violations;
Comply with applicable law or legal requirements;
Maintain Platform security;
Prevent misuse of the Platform; or
Protect legitimate business interests.

Such action may be taken with or without prior notice where permitted by applicable law.

20.3 Grounds for Suspension

An Account may be suspended or restricted where, among other circumstances:

False or misleading information has been submitted;
Fraudulent activity is suspected;
Identity theft or impersonation is suspected;
Prohibited or fraudulent content is published;
Unauthorized access is detected;
The Platform is abused;
Spam or abusive activity is identified;
Fake listings are published;
Serious complaints are received;
Required verification remains incomplete;
Security risks are identified;
The User violates these Terms; or
Action is required by a court or competent authority.

The previous Terms contain substantially the same enforcement grounds.

20.4 Restriction of Specific Features

FinDeals may restrict particular Platform features instead of suspending the entire Account.

Depending on the circumstances, restrictions may include limiting:

Publishing or editing listings;
Chat or communication;
Profile visibility;
Post Highlight;
Payment-related features; or
Other Platform functionality.

The restriction may remain in effect until the relevant issue is resolved.

20.5 Immediate Suspension

FinDeals may immediately suspend an Account without prior notice where reasonably necessary to:

Prevent fraud;
Protect Users from potential harm;
Prevent unauthorized access;
Address a cybersecurity incident;
Preserve relevant evidence;
Protect Platform integrity; or
Comply with legal requirements.

The previous Terms expressly provide for immediate suspension in circumstances involving fraud, cyberattacks, unauthorized access, evidence preservation, and legal obligations.

20.6 Investigation

Where an Account or listing is subject to investigation, FinDeals may temporarily restrict relevant Platform functionality while the investigation is conducted.

A restriction during an investigation does not necessarily mean that the User has been finally determined to have violated these Terms.

20.7 Termination by FinDeals

FinDeals may terminate a User's Account where the Company reasonably determines that termination is necessary or appropriate under these Terms, applicable law, security requirements, or legitimate Platform interests.

20.8 Termination by User

A User may request closure of their FinDeals Account through the account-management or support channels made available by the Company.

Account closure does not automatically eliminate obligations that arose before closure.

20.9 Effect of Termination

Upon termination:

Access to the Account may cease;
Active listings may be removed or become unavailable;
Platform permissions may be withdrawn; and
Access to Platform features may end.

Termination does not automatically create a right to a refund, except where provided under Chapter 16 or required by applicable law.

20.10 Post Highlight Upon Termination

Where an Account is terminated because of the User's violation of these Terms, any active Post Highlight associated with that Account may be removed.

Unless required by applicable law or otherwise determined under Chapter 16, termination resulting from the User's violation does not automatically create a refund entitlement.

20.11 No Circumvention

A User whose Account has been suspended or terminated must not create or use another Account for the purpose of circumventing the suspension or termination.

20.12 Review Request

Where FinDeals provides a review or appeal process, a User may request review of a suspension or termination through the designated channel.

A review request does not guarantee reinstatement or restoration of an Account or listing.

20.13 Reinstatement

FinDeals may restore an Account where appropriate, including after:

Completion of a security review;
Resolution of the relevant issue;
Correction of inaccurate information;
Removal of prohibited content; or
Completion of required verification.

Reinstatement remains subject to the Company's applicable Platform policies and these Terms.

20.14 Preservation of Records

Following suspension or termination, FinDeals may retain relevant Account and Platform records where reasonably necessary for:

Legal compliance;
Fraud prevention;
Security;
Audit;
Tax purposes;
Dispute resolution;
Enforcement of legal rights; or
Other legitimate purposes permitted by applicable law.

The previous Terms similarly provide for retention of records after suspension or termination for legal, fraud-prevention, audit, tax, dispute-resolution, and security purposes.

20.15 Survival of Terms

Termination or suspension does not affect provisions that by their nature are intended to continue after termination, including applicable provisions concerning:

Intellectual Property;
Disclaimers;
Limitation of Liability;
Indemnification;
Dispute Resolution;
Governing Law;
Record retention; and
Legal compliance.

20.16 No Waiver

The Company's decision not to immediately enforce a particular provision of these Terms does not constitute a waiver of its right to enforce that provision later.

20.17 Lawful Enforcement

Nothing in this Chapter limits any rights or remedies available to SMARTAXIS PRIVATE LIMITED under applicable law.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

Chapter 21 — INTELLECTUAL PROPERTY

21.1 Ownership

Unless expressly stated otherwise, all Intellectual Property Rights relating to the FinDeals Platform are owned by or licensed to SMARTAXIS PRIVATE LIMITED.

Nothing in these Terms transfers ownership of the Company's Intellectual Property to any User.

21.2 Company Intellectual Property

The Company's Intellectual Property includes, without limitation:

FinDeals name and brand;
FinDeals logo;
SMARTAXIS PRIVATE LIMITED name and branding;
Domain names;
Website;
Software and source code;
Databases;
Platform architecture;
UI/UX design;
Graphics, icons, images, and layouts;
Documentation;
Algorithms and technical systems;
Marketing materials; and
Other proprietary materials developed or lawfully licensed by the Company.

21.3 Limited Right to Use the Platform

Subject to these Terms, FinDeals grants Users a limited, non-exclusive, non-transferable, revocable right to access and use the Platform for its intended lawful purposes.

This permission does not grant the User ownership of any part of the Platform or its Intellectual Property.

21.4 Restrictions on Use

Users must not, without prior written authorization:

Copy or reproduce the Platform or its proprietary materials;
Modify or create derivative works from the Platform;
Reverse engineer or attempt to obtain source code;
Extract or commercially exploit Platform databases;
Scrape Platform content or data;
Reproduce Platform designs or interfaces for commercial use;
Remove proprietary notices; or
Use FinDeals Intellectual Property in a manner that may create confusion regarding ownership or affiliation.

21.5 FinDeals Brand

The FinDeals name, logo, trademarks, service marks, and associated branding may not be used without appropriate authorization from SMARTAXIS PRIVATE LIMITED, except where such use is permitted by applicable law.

Unauthorized use may constitute infringement of the Company's Intellectual Property Rights.

21.6 User Content

Users retain ownership of Intellectual Property Rights they lawfully hold in content they submit to FinDeals.

The rules governing User Content and the limited rights required by FinDeals to operate the Platform are set out in Chapter 11 — User Content & Listings.

21.7 Licence to Operate User Content

By submitting User Content to FinDeals, the User grants the Company a limited licence to host, store, reproduce, display, transmit, format, and technically process that content as reasonably necessary to operate and provide the Platform.

This licence does not transfer ownership of the User's underlying Intellectual Property to the Company.

21.8 User Representations

A User who submits content represents that they have the necessary rights or authorization to submit that content and permit its use as contemplated by these Terms.

Users must not knowingly submit content that infringes another person's Intellectual Property Rights.

21.9 Copyright Notices and Proprietary Notices

Users must not remove, obscure, alter, or conceal copyright notices, trademark notices, proprietary legends, digital watermarks, or attribution notices attached to Company content.

21.10 Feedback

If a User voluntarily provides suggestions, ideas, recommendations, feature requests, or other feedback regarding FinDeals, the Company may use such feedback without compensation or restriction, unless otherwise agreed in writing.

Such use does not transfer ownership of unrelated Intellectual Property created independently by the User.

21.11 Reporting Intellectual Property Infringement

Any person who believes that content available on FinDeals infringes their Intellectual Property Rights may submit a notice through the Company's designated Intellectual Property or support channel.

Where reasonably possible, the notice should identify:

The allegedly infringed work;
The allegedly infringing material;
Contact information;
Supporting evidence;
The basis for the infringement claim; and
A declaration that the information provided is accurate.

The Company may request additional information where reasonably necessary.

21.12 Company Response to Infringement Reports

Upon receiving a credible infringement complaint, FinDeals may, as appropriate and subject to applicable law:

Review the complaint;
Request additional information;
Restrict access to the relevant content;
Remove allegedly infringing content;
Notify the affected User;
Restore content where appropriate; or
Take action against repeat infringers.

21.13 Repeat Infringement

FinDeals may suspend or terminate Accounts of Users who repeatedly infringe the Intellectual Property Rights of others, subject to applicable law.

21.14 Reservation of Rights

Except for rights expressly granted under these Terms, all Intellectual Property Rights relating to FinDeals remain reserved by SMARTAXIS PRIVATE LIMITED and its licensors.

No implied licence or ownership right arises merely because a User accesses or uses the Platform.

Chapter 22 — THIRD-PARTY SERVICES

22.1 Third-Party Services

FinDeals may use or integrate with independent third-party services where reasonably necessary to operate, maintain, secure, or improve the Platform.

Such services may include:

Payment processors;
SMS providers;
Email providers;
Cloud hosting and infrastructure services;
Authentication services;
Analytics services;
Communication services;
Customer support tools;
Mapping services;
Notification providers; and
Other technology or service providers.

22.2 Independent Providers

Third-party service providers operate independently from SMARTAXIS PRIVATE LIMITED.

The use of a third-party service does not create an agency, partnership, or employment relationship between FinDeals and that provider.

22.3 Payment Services

Where Post Highlight payments are processed through a third-party payment processor, the processing of the payment may also be subject to that provider's terms, policies, and technical procedures.

FinDeals does not control the internal systems or operations of independent payment providers.

22.4 Communication and Verification Services

FinDeals may rely on third-party providers for services such as SMS delivery, authentication, notifications, or other communication and verification functionality.

Availability of these features may depend partly on the relevant third-party provider.

22.5 Third-Party Service Availability

FinDeals does not guarantee the continuous availability, functionality, security, or performance of independent third-party services.

An interruption, failure, delay, modification, or discontinuation by a third-party provider may affect corresponding Platform functionality.

22.6 Third-Party Terms

Certain third-party services may be governed by separate terms, conditions, privacy policies, or other policies established by the relevant provider.

Where applicable, Users are responsible for reviewing and complying with those third-party terms.

22.7 External Websites and Links

FinDeals may contain links or references to third-party websites, applications, services, or resources.

Such links may be provided for convenience and do not necessarily constitute an endorsement, recommendation, or approval by FinDeals.

22.8 No Control Over Third-Party Websites

SMARTAXIS PRIVATE LIMITED does not control independent third-party websites or services and is not responsible for their:

Content;
Accuracy;
Availability;
Security;
Privacy practices;
Terms and conditions; or
Products or services.

Users access and use third-party websites and services at their own discretion and risk.

22.9 Third-Party Privacy Practices

Information provided directly to a third-party service may be subject to that provider's privacy policy rather than FinDeals' Privacy Policy.

Users should review the relevant provider's privacy practices before submitting personal or other information.

22.10 Third-Party Failures

To the extent permitted by applicable law, FinDeals shall not be responsible for losses arising solely from the failure, interruption, unavailability, security incident, or other action or omission of an independent third-party service provider beyond the Company's reasonable control.

Nothing in this Chapter excludes liability that cannot legally be excluded.

22.11 Changes to Third-Party Services

FinDeals may replace, add, remove, or modify third-party service providers as necessary for Platform operations, security, cost management, technical improvements, or other legitimate business purposes.

22.12 No Separate Relationship Through FinDeals

A User's access to a third-party service through or in connection with FinDeals does not mean that SMARTAXIS PRIVATE LIMITED is a party to the User's separate relationship with that third-party provider.

Any dispute concerning a third-party service should generally be addressed with the relevant provider, subject to applicable law.

Chapter 23 — DISCLAIMERS

23.1 General Disclaimer

FinDeals is provided as a digital platform that enables Users to publish financial requirement listings, discover listings, and communicate with other Users.

FinDeals does not control the independent decisions, communications, negotiations, or arrangements of Users.

23.2 Platform Provided on an “AS IS” Basis

To the fullest extent permitted by applicable law, the FinDeals Platform and its services are provided on an “AS IS” and “AS AVAILABLE” basis.

FinDeals does not guarantee that the Platform will always be uninterrupted, error-free, secure, accurate, reliable, or continuously available.

23.3 No Guarantee of User Content

Listings, messages, photographs, statements, and other content submitted by Users are created by independent Users.

FinDeals does not routinely verify every item of User-generated content and does not guarantee its:

Accuracy;
Completeness;
Reliability;
Legality; or
Timeliness.

Users remain responsible for the content they submit.

23.4 No Verification or Endorsement

The presence of a User or listing on FinDeals does not mean that FinDeals has verified, approved, recommended, endorsed, or certified that User or listing.

Users must conduct their own verification and due diligence before relying upon information obtained through the Platform.

23.5 No Guarantee of Loan or Funding

FinDeals does not guarantee:

Loan approval;
Funding;
Financing;
Credit sanction;
Financial assistance;
A successful negotiation;
A User response; or
Completion of any transaction.

Any outcome depends on the independent decisions of the Users involved.

23.6 No Guarantee From Post Highlight

Payment for Post Highlight does not guarantee any particular:

Number of views;
Enquiries;
Chats;
Leads;
Responses;
Funding;
Loan;
Transaction; or
Financial or commercial result.

Post Highlight is a visibility feature only.

23.7 No Responsibility for User Decisions

Any decision made by a User based on information available through FinDeals is made at that User's own discretion and risk.

FinDeals is not responsible for independent lending, borrowing, investment, commercial, negotiation, or transaction decisions made by Users.

23.8 No Responsibility for User-to-User Transactions

FinDeals is not a party to agreements or transactions between Users and does not:

Negotiate transactions;
Collect repayments;
Recover debts;
Guarantee repayment;
Guarantee performance;
Hold User funds in escrow; or
Resolve commercial disputes between Users.

The Platform's role is limited to providing digital tools for publishing listings and facilitating communication.

23.9 Third-Party Services

FinDeals may depend on independent third-party services for certain Platform functions.

FinDeals does not guarantee the availability, performance, security, policies, or reliability of independent third-party services beyond the Company's reasonable control.

23.10 External Links

FinDeals may provide links to third-party websites or resources for convenience.

FinDeals does not control, endorse, or guarantee third-party websites or their services and is not responsible for their content, privacy practices, or terms.

Users access third-party websites at their own discretion and risk.

23.11 Platform Availability

FinDeals does not guarantee uninterrupted or continuous access to the Platform.

Temporary interruptions may occur because of maintenance, upgrades, cybersecurity incidents, network problems, third-party service failures, regulatory requirements, or other circumstances beyond the Company's reasonable control.

23.12 No Professional Advice

Information available through FinDeals is not intended to constitute legal, financial, investment, tax, accounting, or other professional advice.

Users should obtain appropriate professional advice where necessary.

23.13 No Regulatory Authorization Implied

The availability or operation of FinDeals does not constitute an approval, endorsement, licence, registration, or authorization by any government authority or financial regulator.

Users remain responsible for obtaining any licence, registration, approval, or authorization required for their own activities.

23.14 Limitation of Disclaimers

Nothing in these Terms is intended to exclude, restrict, or limit any liability, right, warranty, or protection that cannot lawfully be excluded or limited under applicable law.

Chapter 24 — LIMITATION OF LIABILITY

24.1 General Limitation

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED, including its directors, officers, employees, affiliates, contractors, licensors, service providers, and agents, shall not be liable for losses arising from matters that are outside the Company's reasonable control or arise from independent User activity.

This includes losses arising from User conduct, User decisions, misrepresentation, fraud by third parties, fake listings, payment delays, network failures, Platform interruptions, third-party services, or unauthorized access despite reasonable security measures.

24.2 User-to-User Activities

FinDeals is not responsible for losses arising from:

User conduct;
Lending or borrowing decisions;
Financial decisions;
Business decisions;
Failed negotiations;
Agreements between Users;
Misrepresentation by Users;
Fake listings;
Identity theft;
External financial transactions; or
Failure of another User to perform their commitments.

Users make their own decisions and enter into arrangements independently.

24.3 Fraud and Third-Party Conduct

To the fullest extent permitted by applicable law, FinDeals shall not be liable for losses arising from fraud, scams, criminal acts, identity theft, false statements, or other unlawful conduct committed by independent third parties despite reasonable Platform safeguards.

24.4 Excluded Damages

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, including:

Loss of profits;
Loss of revenue;
Loss of goodwill;
Loss of business opportunity;
Loss of anticipated savings;
Loss of reputation;
Loss of data; or
Business interruption.

This exclusion applies regardless of whether the claim arises in contract, tort, negligence, statute, or otherwise, to the extent permitted by law.

24.5 Platform and Technical Failures

FinDeals shall not be responsible, to the extent permitted by applicable law, for losses caused by:

Internet or network failures;
Telecommunications failures;
Temporary Platform interruptions;
Software or hardware failures;
Cybersecurity incidents;
Third-party service failures;
Banking or payment-system interruptions; or
Other technical circumstances beyond the Company's reasonable control.

24.6 Third-Party Services

FinDeals shall not be responsible for acts, omissions, failures, delays, or service interruptions caused by independent third parties, including payment processors, cloud service providers, telecommunications providers, Internet service providers, or other external service providers.

24.7 Liability Cap

To the fullest extent permitted by applicable law, the aggregate liability of SMARTAXIS PRIVATE LIMITED arising out of or relating to these Terms or the Platform shall not exceed the total amount actually paid by the affected User to the Company for the specific service giving rise to the claim during the twelve (12) months immediately preceding the event giving rise to the claim.

If the affected User has made no payment for that specific service during that period, the Company's maximum liability shall be limited to the minimum amount permitted under applicable law.

24.8 Post Highlight

For claims relating specifically to the Post Highlight service, the liability limitation in this Chapter applies to the extent permitted by applicable law.

Payment for Post Highlight does not create any guarantee of funding, leads, responses, transactions, or financial outcomes.

24.9 User Assumption of Risk

Users acknowledge that communicating and potentially entering into arrangements with unknown individuals or businesses through an online platform involves inherent risks.

Users voluntarily assume responsibility for risks associated with:

Negotiations;
Sharing information;
Sharing documents;
Meetings;
Payments;
Commercial arrangements; and
User-to-User transactions.

24.10 No Exclusion of Non-Excludable Liability

Nothing in these Terms excludes, restricts, or limits any liability that cannot legally be excluded or limited under applicable law.

Where applicable law prohibits a particular limitation, that limitation shall apply only to the maximum extent legally permitted.

24.11 Independent Remedies

Nothing in this Chapter prevents a User from exercising any legal right or remedy that cannot lawfully be excluded under applicable law.

Chapter 25 — INDEMNIFICATION

25.1 User Indemnification

To the fullest extent permitted by applicable law, each User agrees to indemnify, defend, and hold harmless SMARTAXIS PRIVATE LIMITED, its directors, officers, employees, affiliates, contractors, licensors, service providers, and agents from and against claims, losses, liabilities, damages, costs, and expenses arising out of or relating to:

The User's violation of these Terms;
The User's violation of applicable law;
The User's User Content or listings;
False, inaccurate, or misleading information provided by the User;
Fraudulent, unlawful, or prohibited activities conducted by the User;
The User's communications with other Users;
Any agreement or transaction entered into by the User with another User;
Infringement of another person's Intellectual Property Rights by User Content;
Misuse of another User's personal or confidential information; or
Unauthorized use of the Platform by the User.

25.2 User-to-User Transactions

Users acknowledge that FinDeals is not a party to transactions or agreements between Users.

Accordingly, where a claim arises from a User's independent transaction, representation, conduct, or arrangement with another User, the User responsible for that conduct may be required to indemnify the Company to the extent permitted by applicable law.

25.3 User Content

A User is responsible for ensuring that content they submit to FinDeals does not unlawfully infringe the rights of another person.

Where a claim arises because User Content infringes another person's copyright, trademark, privacy right, or other legal right, the responsible User may be required to indemnify the Company to the extent permitted by applicable law.

25.4 Fraudulent or Unlawful Conduct

If a User uses FinDeals for fraud, scams, impersonation, unlawful financial activity, or other prohibited conduct and such conduct results in a claim against the Company, the responsible User may be required to indemnify the Company for resulting losses and reasonable costs, to the extent permitted by applicable law.

25.5 Third-Party Claims

Where a third party brings a claim against SMARTAXIS PRIVATE LIMITED arising from a User's conduct, the Company may notify the User where reasonably appropriate and seek indemnification in accordance with this Chapter.

25.6 Control of Defence

Where legally appropriate, SMARTAXIS PRIVATE LIMITED may control the defence, settlement, or resolution of a claim for which indemnification is sought.

The Company will not enter into a settlement imposing material obligations or admissions on the indemnifying User without the User's consent where such consent is legally required.

25.7 User Cooperation

A User subject to an indemnification claim agrees to reasonably cooperate with the Company in investigating, defending, or resolving the relevant claim.

Such cooperation may include providing relevant information, documents, records, or explanations reasonably necessary for the matter.

25.8 Limitations

A User's indemnification obligations under this Chapter apply only to the extent that the relevant claim, loss, damage, liability, cost, or expense arises from that User's conduct, omission, User Content, violation, or other responsibility described in these Terms.

25.9 Survival

The obligations under this Chapter shall survive suspension, termination, or closure of a User Account to the extent reasonably necessary to address claims or circumstances arising before or otherwise connected with such termination.

25.10 Applicable Law

Nothing in this Chapter is intended to require a User to indemnify SMARTAXIS PRIVATE LIMITED for liability that cannot lawfully be transferred or excluded under applicable law.

Chapter 26 — DISPUTE RESOLUTION

26.1 Purpose

This Chapter establishes the process for addressing disputes, complaints, or claims arising between a User and SMARTAXIS PRIVATE LIMITED in connection with the FinDeals Platform or these Terms.

26.2 User-to-User Disputes

Any dispute arising directly between Users, including disputes concerning:

Financial arrangements;
Payments;
Repayment;
Representations;
Agreements;
Performance;
Fraud; or
Other User-to-User transactions,

is primarily a matter between the Users involved.

FinDeals is not a party to such transactions and does not assume responsibility for resolving private disputes between Users.

26.3 Initial Resolution

Before initiating formal legal proceedings against SMARTAXIS PRIVATE LIMITED, the User should first contact the Company through its official support or grievance channel and provide reasonable details of the dispute.

The Company may review the matter and attempt to resolve it through communication with the User.

26.4 Complaint Information

A dispute or complaint should, where reasonably possible, include:

User's registered information;
Relevant listing or Account details;
Date and description of the incident;
Relevant transaction or payment reference, where applicable;
Supporting documents or screenshots; and
The resolution requested by the User.

26.5 Good-Faith Resolution

The parties shall make reasonable efforts to resolve disputes in good faith through direct communication before pursuing formal proceedings, where appropriate.

26.6 No Waiver of Legal Rights

Nothing in this Chapter prevents a User from exercising any statutory or legal right that cannot lawfully be waived or restricted.

26.7 Legal Proceedings

If a dispute cannot be resolved through the available complaint or support process, either party may pursue remedies available under applicable law.

26.8 Platform Records

Where relevant to a dispute, FinDeals may retain and review Platform records, including Account information, listings, communications, payment records, complaints, and security records, subject to applicable law and the Company's Privacy Policy.

The existing Terms recognize retention of records for dispute resolution, fraud prevention, legal proceedings, and related purposes.

26.9 Cooperation

Users agree to reasonably cooperate with SMARTAXIS PRIVATE LIMITED in connection with legitimate investigations, complaints, dispute resolution, legal proceedings, fraud investigations, and Platform enforcement.

26.10 Survival

The provisions of this Chapter relating to disputes, records, legal proceedings, and applicable remedies shall survive termination of the User's Account to the extent necessary to resolve matters arising before or after termination.

Chapter 27 — GOVERNING LAW

27.1 Applicable Law

These Terms and the User's use of the FinDeals Platform shall be governed by and interpreted in accordance with the laws of India, except to the extent that applicable law requires otherwise.

27.2 Jurisdiction

Subject to applicable law, courts having appropriate jurisdiction at the location of the registered office of SMARTAXIS PRIVATE LIMITED shall have jurisdiction over disputes arising between the Company and a User in connection with these Terms or the FinDeals Platform.

The Company's registered office is the appropriate corporate address for legal notices and communications. Indian company law requires a company to maintain a registered office capable of receiving and acknowledging communications and notices.

27.3 Mandatory Legal Rights

Nothing in these Terms is intended to prevent or restrict a User from exercising any statutory right, consumer protection right, or other legal remedy that cannot lawfully be excluded or restricted.

The Consumer Protection Act, 2019 provides statutory mechanisms for consumer disputes and specifies jurisdictional rules for consumer complaints.

27.4 User-to-User Transactions

This Chapter governs disputes between a User and SMARTAXIS PRIVATE LIMITED.

It does not make FinDeals responsible for determining the jurisdiction, governing law, or legal rights applicable to an independent transaction between two Users.

Users entering into their own agreements are responsible for addressing those matters in their agreements, subject to applicable law.

27.5 Conflict With Mandatory Law

If any provision of these Terms conflicts with a mandatory provision of applicable law, the mandatory legal provision shall prevail to the extent of that conflict.

The remaining provisions of these Terms shall continue to apply.

27.6 No Waiver of Statutory Rights

Nothing in these Terms shall be interpreted as:

Waiving a right that cannot legally be waived;
Preventing access to a legally available forum;
Excluding mandatory consumer protections; or
Removing any remedy that applicable law requires to remain available.

27.7 Changes in Applicable Law

If applicable Indian law changes after these Terms are published, the relevant legal requirements shall apply to the extent required, and FinDeals may update these Terms accordingly.

27.8 Survival

This Chapter shall continue to apply after suspension, termination, or closure of a User Account to the extent necessary to determine the governing law or jurisdiction applicable to a dispute arising from the User's use of FinDeals.

Chapter 28 — AMENDMENTS

28.1 Right to Amend

SMARTAXIS PRIVATE LIMITED may amend, modify, update, replace, or revise these Terms from time to time where reasonably necessary, including to:

Comply with applicable laws;
Reflect regulatory changes;
Improve Platform functionality;
Introduce or modify Platform features;
Enhance security;
Address operational requirements;
Clarify existing provisions; or
Protect the Company, Users, or the Platform.

This follows the amendment framework in the original Terms.

28.2 Effective Date

Any revised version of these Terms will become effective on the date specified in the updated version published on the FinDeals Platform.

Where applicable law requires advance notice or where changes materially affect Users' rights or obligations, the Company will provide reasonable notice before the changes take effect.

28.3 Notice of Material Changes

Where appropriate, FinDeals may notify Users of material changes through one or more available communication methods, including:

Website notifications;
In-app notifications;
Email;
SMS;
WhatsApp;
Push notifications; or
Other electronic communication methods available through the Platform.

The Company may select the communication method appropriate to the nature of the change.

28.4 User Responsibility

Users are responsible for reviewing the latest version of these Terms periodically.

The current version published on the FinDeals Platform will be the applicable version from its stated effective date, subject to applicable law.

28.5 Acceptance of Revised Terms

Where permitted by applicable law, continued access to or use of FinDeals after the effective date of revised Terms constitutes acceptance of those revised Terms.

If a User does not agree with a material revision, the User should discontinue use of the Platform and may close their Account through the available process.

The original Terms similarly provide that continued Platform use after modification constitutes acceptance, while recognizing that express consent may be required for certain changes.

28.6 Express Consent

Where applicable law requires a User's express consent to a particular amendment, FinDeals will obtain such consent in the manner required by law before making the relevant amendment effective for that User.

28.7 No Retroactive Effect

Unless required or permitted by applicable law, amendments will not retroactively alter rights or obligations that have already accrued before the effective date.

28.8 Platform Changes

Changes to these Terms may be necessary when FinDeals introduces, modifies, suspends, or discontinues Platform features or services.

Such changes do not create an obligation for the Company to maintain any particular feature permanently.

28.9 Official Version

The version of these Terms published on the official FinDeals Platform shall constitute the current official version.

Users should rely on the latest officially published version rather than older copies, screenshots, downloads, or unofficial reproductions.

28.10 No Waiver

The Company's failure to immediately notify a User of a particular change, where notice is not legally required, does not constitute a waiver of the Company's right to amend these Terms in accordance with this Chapter.

Chapter 29 — CONTACT INFORMATION

29.1 Purpose

This Chapter establishes the official communication framework through which Users may contact SMARTAXIS PRIVATE LIMITED regarding the FinDeals Platform, these Terms, complaints, grievances, privacy matters, and other Platform-related issues.

29.2 Official Communication Channels

Users may contact SMARTAXIS PRIVATE LIMITED only through the official communication channels published on the FinDeals Platform.

These channels may include the Company's designated:

Email address;
Contact or support form;
In-Platform support facility; or
Other official communication methods published by FinDeals.

The Company may update its contact details or communication channels from time to time.

29.3 General Support

Users may contact FinDeals regarding matters including:

Account-related issues;
Platform functionality;
Post Highlight payments;
Payment or refund queries;
Technical problems;
Listings;
Chat or communication issues; and
General Platform assistance.

29.4 Complaints and Grievances

Users may use the official communication channels to submit complaints or grievances concerning their experience on the FinDeals Platform.

Where reasonably possible, Users should provide sufficient information to enable the Company to understand and investigate the matter.

29.5 Privacy Requests

Users may contact the Company through its official channels regarding requests or questions relating to their personal information and the Company's handling of such information, subject to the applicable Privacy Policy and law.

29.6 Legal Notices

Legal notices intended for SMARTAXIS PRIVATE LIMITED should be sent only through the official legal or corporate communication channel published by the Company.

A User should retain evidence of submission where appropriate.

29.7 Intellectual Property Complaints

Reports concerning alleged infringement of copyright, trademarks, or other Intellectual Property Rights may be submitted through the official communication channel designated by FinDeals for such matters.

29.8 Unofficial Communications

SMARTAXIS PRIVATE LIMITED is not responsible for communications sent to unofficial email addresses, social media accounts, telephone numbers, individuals, or other channels that are not officially published by FinDeals.

Users should exercise caution when communicating with persons claiming to represent FinDeals.

29.9 Changes to Contact Details

The Company may change its contact information, support channels, or communication procedures from time to time.

Such changes will not affect the validity or enforceability of these Terms.

29.10 Electronic Communications

By using FinDeals, Users acknowledge that the Company may communicate with them electronically regarding matters relating to their Account, Platform use, security, payments, legal notices, complaints, and other relevant Platform matters.

Electronic communications and records may be retained where reasonably necessary for Platform operation, dispute resolution, fraud prevention, audits, legal compliance, or enforcement of these Terms.

29.11 Accurate Contact Information

Users are responsible for keeping their registered contact information reasonably accurate and up to date so that important Platform communications can be delivered.

29.12 No Obligation Through Unofficial Channels

A communication sent through an unofficial channel does not create an obligation on SMARTAXIS PRIVATE LIMITED to respond or take action.

Users should rely only on contact details and communication methods officially published by FinDeals.

Chapter 30 — ACCEPTANCE OF TERMS

30.1 Acceptance

By accessing, browsing, registering with, or otherwise using the FinDeals Platform, the User confirms that they have read, understood, and voluntarily agreed to these Terms and Conditions.

These Terms constitute a legally binding agreement between SMARTAXIS PRIVATE LIMITED and the User, to the extent permitted by applicable law.

30.2 Eligibility and Legal Capacity

By accepting these Terms, the User represents that they have the legal capacity required to enter into a binding agreement under applicable law.

Where a User acts on behalf of a business, organization, or other legal entity, the User represents that they are authorized to do so.

30.3 Electronic Acceptance

Acceptance may be provided electronically through legally recognized methods, including:

Clicking an "I Agree," "Accept," "Continue," "Register," "Submit," or similar button;
Creating an Account;
Completing registration;
Verifying a mobile number through OTP;
Logging into the Platform;
Publishing a listing;
Using Platform features; or
Otherwise using the Platform after being provided with access to these Terms.

The previous Terms expressly recognize electronic acceptance through account creation, registration, OTP verification, login, listing publication, messaging, and Platform use.

30.4 Continuing Acceptance

Acceptance of these Terms is not limited to the initial registration.

Each time a User accesses or uses FinDeals, the User agrees to comply with the version of these Terms applicable at that time, subject to applicable law and the amendment provisions contained in Chapter 28 — Amendments.

30.5 Acceptance of Related Policies

By using FinDeals, the User also agrees to comply with applicable Platform policies and legal documents incorporated into or referenced by these Terms, including the applicable Privacy Policy and other policies published by the Company.

30.6 User Responsibilities

By accepting these Terms, the User acknowledges that:

The User independently chooses to use FinDeals;
The User is responsible for activities conducted through their Account;
The User must provide truthful information;
The User must comply with applicable law;
The User must exercise reasonable caution and due diligence when dealing with other Users; and
The User is responsible for their own decisions and arrangements with other Users.

These principles are reflected in the original Terms' User Acknowledgements.

30.7 No Acceptance if Terms Are Rejected

If a User does not agree to these Terms, the User must discontinue accessing and using the FinDeals Platform.

30.8 Acceptance of Amendments

Where permitted by applicable law, continued use of FinDeals after an amended version becomes effective constitutes acceptance of the revised Terms.

Where applicable law requires express consent to a particular amendment, the Company will obtain such consent in the manner required by law.

30.9 Official Electronic Version

The electronic version of these Terms published on the official FinDeals Platform shall constitute the official version.

Users should refer to the latest officially published version when determining the Terms applicable to their use of the Platform.

30.10 Severability

If any provision of these Terms is determined by a competent court or authority to be invalid, unlawful, or unenforceable, that provision shall be modified or limited to the minimum extent necessary, and the remaining provisions shall continue in effect to the extent permitted by law.

30.11 No Waiver

Failure or delay by SMARTAXIS PRIVATE LIMITED to enforce any provision or exercise any right under these Terms shall not constitute a waiver of that provision or right.

30.12 Binding Effect

By accessing, registering with, or using FinDeals, the User acknowledges that these Terms govern their relationship with SMARTAXIS PRIVATE LIMITED concerning their use of the Platform.

For questions about this document, contact us at support@findeals.app or visit our Contact Us page.

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Terms & Conditions

Chapter 1 — INTRODUCTION

1.1 Purpose

1.2 PLATFORM OPERATOR

1.3 Acceptance of Terms

1.4 Applicability

1.5 Platform Rules and Policies

1.6 Changes to These Terms

1.7 Continued Use

1.8 Language

1.9 Severability

1.10 Entire Agreement

1.11 Contact

Chapter 2 — ABOUT FINDEALS

2.1 About FinDeals

2.2 Platform Purpose

2.3 Digital Platform

2.4 User Participation

2.5 Platform Availability

2.6 Company Role

2.7 Independent User Relationships

2.8 Platform Identity

Chapter 3 — NATURE OF FINANCIAL CLASSIFIEDS PLATFORM

3.1 Nature of the Platform

3.2 Financial Requirement Listings

3.3 Discovery and Communication

3.4 Independent User Decisions

3.5 No Transaction Through the Platform

3.6 User-Provided Information

3.7 Classified Platform, Not a Financial Institution

3.8 No Ownership of User Arrangements

Chapter 4 — USER REGISTRATION & ACCOUNTS

4.1 Registration

4.2 Account Information

4.3 Mobile Number Verification

4.4 Account Security

4.5 One User, One Account

4.6 Account Activity

4.7 Account Information and User Responsibility

4.8 Account Suspension or Termination

4.9 No Relationship Created by Registration

4.10 Account Closure

Chapter 5 — BORROWER REQUIREMENTS

5.1 Purpose

5.2 Creating a Financial Requirement

5.3 Accurate Information

5.4 Requirement Details

5.5 Supporting Documents

5.6 User Responsibility

5.7 No Guarantee of Response

5.8 User's Independent Verification

5.9 Prohibited Requirements

5.10 Removal of Requirements

5.11 User-Controlled Communication

5.12 No Financial Decision by FinDeals

Chapter 6 — LENDER / INTERESTED USER PARTICIPATION

6.1 Purpose

6.2 Viewing Financial Requirements

6.3 Responding to Listings

6.4 Independent Responsibility

6.5 Accuracy of User Information

6.6 Required Licences and Permissions

6.7 Communication with Requirement Posters

6.8 Independent Verification

6.9 No Guarantee of Listing Response

6.10 No Priority or Preference

6.11 Compliance with Law

6.12 No Agency or Representation

Chapter 7 — CHAT & COMMUNICATION

7.1 Purpose

7.2 User-to-User Communication

7.3 Permitted Communication

7.4 Voluntary Exchange of Contact Information

7.5 Communication Outside FinDeals

7.6 User Responsibility for Messages

7.7 Prohibited Communication

7.8 Sensitive Information

7.9 Respectful Communication

7.10 Monitoring and Safety