FININ DISCLAIMERS AND LIABILITY
The following provisions disclose the disclaimers and cap/limitation on liabilities that shall
apply
to
the Users.
Dinero Innovations Private Limited has created a web portal ("finin") aimed at being a
mobile-first
neo
banking startup,
helping users to manage and spend money seamlessly ("Services"). The information received from
its
Users
will be in
relation to accessing the Services through www.finin.in ("Website") and other facilities
including
the
Finin Android app
and, an iOS app (“App”)(together referred to as the "Portal(s)").
The term of this Policy shall be in relation to and shall apply to all acts and/or omissions of
finin
and/or its
affiliates, shareholders, their respective officers and employees, and any service providers or
contractors in relation
to the Services. Finin reserves the right to modify or review the provisions in this Policy
without
prior notice.
Therefore, the Users shall periodically visit the Website for notices relating to amendments to
this
Policy.
DEFINITIONS
- "Personal Information" means the information disclosed by a User, in connection with
registering
and
using the Services
and includes name, age, email, name of the educational institution affiliated to,
residential
address, telephone number
and any other personal details, which are capable of identifying the User;
- "Sensitive Personal Information" excluding any information that is freely available or
accessible in
public domain or is
furnished under laws applicable in India, means the following information, which may be
required
for
providing Services
to the Users:
- the password of the User;
- financial information such as bank account or credit/debit card details or other
payment
instruction details of the User;
- permanent account number and Aadhar number.
- "User(s)", for the purposes of this Policy, shall mean any person who has registered
himself/herself
with finin to use
the Service; and
- "Visitor(s)" means any person who visits or uses or accesses or browses the Portal in any
manner
whatsoever but does not
register on the Website for using the Services;
DISCLAIMERS
- Users understand that finin is not a lending institution and does not offer any form of
loans
and
merely provides
facilitation and management services.
- finin does not provide any warranty/guarantee for the Services and does not warrant that its
Services will be as per any
prescribed standards or prudent practices adopted in the industry. The Services are also
subject
to
certain limitations,
such as limitations on server storage space, etc. The Users understand and agree to use the
Services
of finin at his/her
own risk and liability and agrees not to hold finin liable for any liability, financial or
otherwise.
- finin may, at its sole discretion, suspend a User’s access to the Services at any time
pursuant
to
any alleged
violations of any of the Terms of Use or complaints or feedback received from any person or
for
any
other reason.
- The Users understand that finin shall provide the Services only in accordance with
applicable
laws
of India and shall,
at its sole option, terminate the Services with immediate effect and stop providing the
Services
without any prior
notice to the Users, if the same required by the governmental authorities or any per the
provisions
of any law in force.
LIABILITY
- finin shall not be responsible or liable in any manner to the Users and/or Visitors for any
losses,
damage, injuries or
expenses incurred by the Users as a result of the Services or any disclosures made by finin
and
the
Users agree not to
hold finin responsible or liable in any way for any disclosures made by finin. The Services
provided
by finin are
provided "as is," and without any warranties or conditions (express or implied, including
the
implied warranties of
merchantability, accuracy, fitness for a particular purpose, title and non- infringement,
arising by
statute or
otherwise in law or from a course of dealing or usage or trade). finin does not provide or
make
any
representation,
warranty or guaranty, express or implied about the Portals and/or the Services. finin does
not
verify any content or
information provided by the lending institution or the Users on the Portals and to the
fullest
extent permitted by law,
disclaims all liability arising out of the Users use or reliance upon the Portals, the
Services,
the
Portal’s content,
representations and warranties made by finin or any opinion or suggestion given or expressed
by
finin.
- finin assumes no responsibility and shall not be liable for use of the Users’ Personal
Information
and/or the Sensitive
Personal Information for any purpose in relation to the Services.
- Finin's Portals may be linked to the website of third parties, affiliates and business
partners.
finin has no control
over, and shall not be liable or responsible for any content, accuracy, validity,
reliability,
quality of such websites
or made available by/through its Portals. Inclusion of any link on the Portals does not
imply
that
finin endorses the
linked site. Users may use the links and these services at his/her own risk.
- finin assumes no responsibility, and shall not be liable for, any damages to, or viruses
that
may
infect the Users’
device on account of the Users’ access to, use of, or browsing the Portals or the
downloading of
any
material, data,
text, images, video content, or audio content from the Portals.
- The Portal may enable Users to communicate with other Users or to post information to be
accessed by
others, whereupon
other Users may collect such data. Such Users, including any moderators or administrators,
are
not
authorized
representatives or agents of finin, their opinions or statements do not necessarily reflect
those of
finin and they are
not authorized to bind finin to any contract. finin hereby expressly disclaims any liability
for
any
reliance or misuse
of such information that is made available by the User or Visitors in such a manner.
- In no event, including but not limited to negligence, shall finin, or any of its directors,
officers, employees, agents
or content or service providers be liable for any direct, indirect, special, incidental,
consequential, exemplary or
punitive damages arising from, or directly or indirectly related to, the use of, or the
inability to
use, the Services,
the Portals or the content, materials and functions related thereto, the Users’ provision of
information via the
Portals, lost business or lost sales, even if finin has been advised of the possibility of
such
damages. In no event
shall finin be liable for or in connection with any content posted, transmitted, exchanged
or
received by or on behalf
of any User or another person on or through the Portals.
- Notwithstanding anything contained in this Policy, in no event shall the total aggregate
liability
of finin to a User
for all damages, losses, and causes of action (whether in contract or tort, including, but
not
limited to, negligence or
otherwise) arising from the terms and conditions or a User’s use of the Services exceed, in
the
aggregate ₹1 (one).
BY CLICKING ON "I ACCEPT" OR BY CONTINUING TO ACCESS THE PORTALS, THE USER HEREBY ACCEPTS TO THE
TERMS OF
THIS DOCUMENT
AND GRANTS UNCONDITIONAL CONSENT FOR PROVIDING PERSONAL INFORMATION AND SENSITIVE PERSONAL
INFORMATION
TO finin AND TO
PERMIT finin TO TRANSFER/SHARE SUCH INFORMATION WITH A THIRD PARTY, EITHER IN INDIA OR OUTSIDE
INDIA, IN
RELATION TO
PROVIDING THE SERVICES.