Terms and Conditions

How you use Fintaraa to discover, apply for, and manage responsible credit, loans, and insurance in partnership with regulated lenders.

Effective status

Updated: 01 Mar 2025

Maintained for customers, applicants, borrowers, insured members, partners, and support teams working through Fintaraa.

Eligibility 18+KYC & Bureau ChecksFair Usage

Executive Summary

Transparent comparison of loans, credit, and insurance sourced from banks, NBFCs, and insurers registered with Indian regulators.

One-time and recurring consents empower bureau pulls, KYC verification, fraud checks, and offer personalisation with clear revocation paths.

You remain accountable for the accuracy of disclosures, repayments, and the safe custody of your device and credentials.

Purpose and Scope of Service

Fintaraa operates a digital marketplace that introduces you to loan, credit card, and insurance offers from regulated partners. The application streamlines discovery, pre-qualification, and fulfilment while keeping you in control of disclosures and consent. These terms apply to every touchpoint: browsing offers, initiating or completing applications, document uploads, servicing requests, grievance submissions, and use of educational content. By continuing, you acknowledge that Fintaraa is a facilitator and that binding contracts are executed directly between you and the selected lender or insurer.

Eligibility and Responsible Use

You confirm you are at least 18 years old, competent to contract under Indian law, and using the app for yourself or on behalf of an entity with proper authorisation. You agree to provide accurate, current, and complete information including identity, income, employment, liabilities, and contact details. Misrepresentation or misuse of promotional offers, referral programs, or identity credentials can lead to suspension, rejection of applications, reporting to authorities, and civil remedies. Always review product-specific eligibility, rate disclosures, and repayment obligations before accepting an offer.

KYC, Bureau, and Verification Checks

To generate personalised offers and comply with anti-money-laundering obligations, you authorise Fintaraa and its partners to perform identity verification, bureau pulls (CIBIL, Experian, CRIF, or others), fraud risk checks, device fingerprinting, and video or audio KYC where applicable. You may be asked to submit Officially Valid Documents, PAN, selfies, live videos, bank statements, salary slips, or GST filings. Verification outcomes may influence eligibility, pricing, tenure, and approval speed. We retain verification artefacts securely and only for the duration required by law and partner policy.

Loan Discovery, Offers, and Acceptance

Pre-qualified ranges shown in the app are indicative and subject to full underwriting by the lender. Before accepting, you will see a product fact sheet with principal, tenure, rate, fees, insurance add-ons, repayment dates, foreclosure rules, and late payment charges. Your acceptance of the final Key Fact Statement or digitally signed agreement creates a binding contract with the lender. Fintaraa may receive facilitation fees from partners; these do not increase your payable amount and are disclosed on request.

Insurance and Protection Services

Insurance products, including credit protection, health, and term covers, are offered through licensed insurer partners or authorised intermediaries. Illustrations describe coverage, exclusions, claim triggers, premium frequency, cooling-off options, and cancellation rules. You should read the policy wording and prospectus carefully before paying premiums. Issuance is at the sole discretion of the insurer, and claim servicing timelines follow regulator-approved processes. Fintaraa simplifies discovery and documentation but does not adjudicate claims.

Fees, Charges, and Taxes

Certain services may attract processing fees, convenience fees for payments, document retrieval charges, or fees levied by lending partners. All amounts are shown inclusive of applicable taxes where required. Late payment fees, interest on overdue amounts, cheque bounce charges, and foreclosure fees are governed by your final agreement with the lender. You are responsible for timely repayments through the authorised channels listed in your repayment schedule and for keeping proof of payments.

Consent, Communications, and Notifications

By interacting with the platform, you consent to receive transactional alerts, servicing messages, e-mandate updates, OTPs, and account health nudges via SMS, email, WhatsApp, in-app notifications, or phone calls. Marketing communication is optional and can be withdrawn through in-app settings or by writing to our support desk. Critical communications related to repayment, KYC, fraud risk, and regulatory notices may continue even if you opt out of marketing to ensure safety and compliance.

Data Security and Use of Information

We implement encryption in transit and at rest, role-based access controls, masking of identifiers, and periodic vulnerability assessments. Collected information is used to provide services, personalise offers, meet compliance obligations, improve fraud detection, and generate anonymised insights. We do not sell personal data. Retention follows legal and partner-specific timelines; upon expiry we archive or delete records unless a dispute, audit, or legal requirement necessitates preservation.

Third-Party Services and Disclaimers

The platform integrates payment gateways, e-sign providers, credit bureaus, and data-verification utilities. Each third-party service is governed by its own terms and privacy notices, which you should review before use. Network delays, outages, or partner system downtime may affect availability; Fintaraa is not liable for losses arising from technical interruptions, provided we act with reasonable care. We do not guarantee approval, rate, or product availability; final decisions rest with the partner.

Responsible Borrowing and Financial Health

Credit is a powerful tool when used responsibly. Review affordability before accepting an offer; avoid over-leverage by keeping EMI obligations within your monthly budget and maintaining an emergency fund. Consider insurance that protects repayment ability in the event of job loss, illness, or disability. We provide calculators, reminders, and education to help you stay current on dues and monitor your credit profile.

Termination, Suspension, and Account Safety

We may suspend or terminate access if we detect misuse, suspicious activity, repeated payment failures, or non-compliance with law. You should secure your device, OTPs, PINs, and biometric access. Notify us immediately of unauthorised access, lost devices, or suspected fraud so we can assist with session termination and partner notifications. Account deletion requests will be honoured subject to settlement of pending dues and completion of regulatory retention periods.

Governing Law, Dispute Resolution, and Notices

These terms are governed by Indian law. Disputes will first be handled through our grievance redressal mechanism; unresolved issues may be escalated to the designated nodal officer or competent courts within the applicable jurisdiction. Notices may be served electronically through the app, registered email, or SMS. Continued use after updates constitutes acceptance of revised terms; material changes will be communicated through prominent notices.

Need clarification?

For questions about this document, consent, data rights, partner responsibilities, or grievance escalation, contact the Fintaraa support desk.

support@fintaraa.com