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

  1. Users understand that finin is not a lending institution and does not offer any form of loans and merely provides facilitation and management services.
  2. 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.
  3. 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.
  4. 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

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.