1.1 These Terms & Conditions (“Terms”) govern the relationship between Finogood Capital / Finogood Capital Services Pvt. Ltd. (“Company”, “Finogood Capital”, “we”, “us” or “our”) and customers, members, referral partners, employees and other authorised users (“User”, “you” or “your”), as applicable.
1.2 By purchasing a Membership, using our website, submitting an enquiry, applying for financial assistance, using our services, participating in our referral programme, or otherwise interacting with Finogood Capital, you acknowledge that you have read and understood these Terms and agree to be bound by the provisions applicable to you.
1.3 These Terms should be read together with our Privacy Policy, Refund & Return Policy, applicable Membership terms, referral agreement, service-specific terms and any other written agreement applicable to the relevant service.
1.4 Where there is a conflict between these Terms and a separately signed written agreement, the signed agreement shall prevail to the extent of such conflict.
2.1 Finogood Capital provides financial consultancy, documentation assistance, eligibility assessment, application assistance, coordination and related support services to its members, subject to the applicable service terms.
2.2 Finogood Capital does not itself guarantee, sanction, approve, disburse or recover any loan, unless expressly stated otherwise in a separate written agreement and legally permitted.
2.3 Where applicable, loan applications may be facilitated or processed through banks, NBFCs or other lending partners (“Lending Partners”), subject entirely to their eligibility criteria, internal policies, underwriting procedures, documentation requirements and final decision.
2.4 The final decision regarding sanction, rejection, loan amount, interest rate, tenure, processing charges, insurance, repayment conditions and disbursement shall rest with the concerned Lending Partner.
2.5 Purchase of a Finogood Capital Membership does not constitute a promise, assurance or guarantee of loan approval, sanction, disbursement or any particular loan amount.
2.6 Finogood Capital may assist a customer in identifying or approaching Lending Partners whose stated eligibility criteria may be relevant to the customer's profile. Such assistance does not constitute approval by any Lending Partner.
3.1 A Finogood Capital Membership provides access to the applicable consultancy and assistance benefits specified for the relevant Membership period.
3.2 The Membership Card is a membership identification instrument only.
3.3 The Membership Card is not an ATM card, debit card, credit card, payment card or lending instrument.
3.4 Membership is personal and non-transferable unless a specific referral or written arrangement expressly permits otherwise.
3.5 Membership validity shall be for the period stated at the time of purchase.
3.6 Renewal, continuation or modification of Membership shall be governed by the terms and pricing applicable at the time of renewal.
3.7 Membership does not create a lender-borrower relationship between the customer and Finogood Capital.
3.8 Membership does not guarantee approval from any bank, NBFC or Lending Partner.
4.1 Membership fees shall be communicated to the customer before payment.
4.2 The applicable fee is for the Membership/service described at the time of purchase.
4.3 Unless expressly stated otherwise in writing, Finogood Capital does not charge a separate loan approval fee merely for the approval of a loan.
4.4 Any statutory levy, bank charge, third-party fee, valuation charge, insurance premium, documentation charge or other charge imposed directly by a bank, NBFC or third-party service provider shall be payable only where applicable and, wherever reasonably practicable, shall be communicated to the customer before the customer is required to make such payment.
4.5 No employee or representative is authorised to collect an undisclosed personal payment from a customer.
4.6 Customers should obtain an official receipt or payment confirmation for payments made to Finogood Capital.
5.1 Finogood Capital does not guarantee loan approval.
5.2 Finogood Capital shall not represent that payment of a Membership fee will automatically result in loan approval.
5.3 Finogood Capital shall not represent that a customer's loan is “100% approved”, “guaranteed”, “confirmed” or otherwise finally approved unless such approval has actually been issued by the relevant Lending Partner and the communication accurately identifies the source and status of such approval.
5.4 Any eligibility, pre-screening, indicative assessment or preliminary result is not equivalent to final sanction or disbursement.
5.5 Final loan decisions depend upon factors including, where applicable, customer profile, income, employment/business information, credit history, existing obligations, documents, banking information, collateral/security requirements, internal policies and the Lending Partner's underwriting criteria.
5.6 Finogood Capital shall not be responsible for a Lending Partner's decision to approve, reject, modify, delay or withdraw a loan application, except to the extent caused by Finogood Capital's own proven act or omission.
6.1 Customers shall provide accurate, complete and current information and documents.
6.2 Information may include identity details, contact information, income, employment/business details, financial information, existing liabilities, credit-related information and documents required for the applicable service.
6.3 Finogood Capital may request additional information where reasonably required for service delivery or application processing.
6.4 Customers are responsible for the accuracy and authenticity of information submitted by them.
6.5 Submission of false, forged, altered or misleading documents may result in termination of services and may be reported to the relevant authorities or institutions where legally required or appropriate.
6.6 Finogood Capital may decline to process an application where required information is incomplete, inconsistent, unverifiable or does not satisfy the applicable criteria.
6.7 Documents shall be handled in accordance with Finogood Capital's applicable privacy and information-security practices.
7.1 Documents and information provided by customers shall be used for legitimate business purposes connected with the requested service, including eligibility assessment, application assistance, communication, compliance and coordination with relevant service providers or Lending Partners where authorised or legally permitted.
7.2 Finogood Capital shall take reasonable administrative, technical and organisational measures to protect customer information.
7.3 Customers should not submit unnecessary confidential information or passwords.
7.4 Finogood Capital shall not knowingly request a customer's banking password, UPI PIN, card PIN or similar confidential payment credentials.
8.1 Customers must never share transaction OTPs, UPI PINs, ATM PINs, debit/credit card PINs, passwords or similar payment credentials with any Finogood Capital employee or third party.
8.2 If an OTP is required for an authorised bank/NBFC or government process, the customer should enter it directly into the authorised platform or application wherever applicable.
8.3 A Finogood Capital employee is not authorised to ask a customer to disclose a transaction OTP or payment PIN.
8.4 Customers should immediately report any suspicious request for payment credentials to Finogood Capital through the official contact channels.
8.5 Finogood Capital shall not be responsible for losses arising solely from a customer's voluntary disclosure of confidential payment credentials to an unauthorised person, subject to applicable law.
9.1 Depending on the customer's requirements and profile, Finogood Capital may identify potentially relevant Lending Partners.
9.2 An application may be submitted only where the applicable Lending Partner's criteria appear relevant and the necessary information/documents are available.
9.3 Finogood Capital may decide not to submit an application where it reasonably believes that the application does not satisfy the applicable criteria or where submission would be inappropriate.
9.4 A customer may be approached for additional documents or clarification during processing.
9.5 Submission of an application does not constitute sanction or approval.
9.6 The customer remains responsible for reviewing and accepting the final loan offer, sanction letter, agreement and applicable terms issued by the Lending Partner.
10.1 Subject to applicable consent, policy and law, Finogood Capital may evaluate the customer's profile against the criteria of more than one Lending Partner.
10.2 An application shall not necessarily be submitted to every Lending Partner.
10.3 Submission decisions may depend on the customer's requirements, eligibility, existing applications, applicable policies and other relevant factors.
10.4 Where a customer has already applied to a particular lender, Finogood Capital may refrain from submitting another application to that lender where duplicate applications are inappropriate.
10.5 Customers shall provide accurate information regarding existing or recent loan applications.
11.1 Any online eligibility result, indicative amount, pre-screening result or preliminary assessment is informational only.
11.2 A pre-approval or eligibility indication shall not be treated as a final sanction.
11.3 Final approval remains subject to verification of documents and the Lending Partner's underwriting process.
11.4 Marketing materials may contain indicative loan amounts, rates, tenures or processing timelines. Actual terms may differ based on the customer's profile and the applicable Lending Partner's policies.
12.1 Processing time varies depending on the Lending Partner, customer response time, document completeness, verification, technical systems, regulatory requirements and other circumstances.
12.2 Any processing time mentioned in advertising or promotional material is indicative only unless expressly confirmed in writing as a binding commitment.
12.3 Finogood Capital shall not guarantee approval or disbursement within a particular number of minutes, hours or days.
12.4 Customers shall promptly respond to legitimate requests for documents or clarification to avoid unnecessary delays.
13.1 Lending Partner charges shall be governed by the applicable lender's terms.
13.2 Where a third-party charge applies, the customer should verify the recipient, purpose and applicable documentation before making payment.
13.3 Finogood Capital employees must not describe a third-party charge as a “bank compulsory fee” unless the charge has been verified and accurately communicated.
13.4 Finogood Capital shall not represent that a customer must pay an amount merely to obtain guaranteed loan approval.
13.5 Any charge collected by a third party shall be subject to the terms applicable to that third party.
14.1 Membership fees shall be refundable only in accordance with the Company's Refund & Return Policy and applicable law.
14.2 Refund eligibility may depend on the nature of the service, stage of processing, reason for cancellation and applicable contractual terms.
14.3 A customer shall not automatically become entitled to a refund merely because a Lending Partner rejects an application, where the Membership service itself has been validly provided and the applicable Refund Policy excludes such refund.
14.4 If a refund is approved, it shall normally be processed through the original or an authorised payment method, subject to payment-gateway and banking timelines.
14.5 No employee may promise a refund contrary to the applicable written Refund & Return Policy.
14.6 Any dispute concerning a refund should first be submitted through the Company's grievance process.
15.1 A customer may request cancellation in accordance with the applicable cancellation and refund terms.
15.2 Where processing has already commenced, the effect of cancellation on refund eligibility shall be determined under the applicable Refund & Return Policy.
15.3 Cancellation does not automatically cancel obligations already accepted under a separate Lending Partner agreement.
16.1 Customers should provide a valid registered mobile number and email address where applicable.
16.2 Finogood Capital may communicate through phone, SMS, email, WhatsApp or other authorised communication channels.
16.3 Customers should verify important communications concerning loan approval, fees and documents through official channels.
16.4 After an application has been assigned to a designated processing or login team, customers may be instructed to communicate with that team for application-specific updates.
17.1 Employees, telecallers, salespersons and representatives must communicate only information authorised by the Company.
17.2 No employee is authorised to guarantee loan approval, promise a particular loan amount, promise a particular interest rate or misrepresent the identity of a Lending Partner.
17.3 Customers should rely on official written terms, lender-issued documents and authorised Company communications.
17.4 Any unauthorised commitment made by an individual employee shall not modify these Terms unless formally approved by an authorised representative of the Company.
17.5 Customers may report misleading or unauthorised representations through the Company's grievance channel.
18.1 Customers must provide truthful information.
18.2 Customers must promptly provide required documents and clarifications.
18.3 Customers must review all documents before signing or accepting them.
18.4 Customers must independently protect their OTPs, PINs, passwords and other security credentials.
18.5 Customers must not submit forged, manipulated or fraudulent documents.
18.6 Customers must not impersonate another person or provide another person's information without lawful authority.
19.1 Loan eligibility may depend upon credit history and other financial information.
19.2 Customers are responsible for providing accurate information regarding their credit profile.
19.3 Finogood Capital does not guarantee a particular credit score or loan outcome.
19.4 Where a credit report or credit information is required, it shall be obtained and handled subject to applicable consent, law and third-party terms.
19.5 Finogood Capital shall not issue a credit report unless it is authorised and applicable to the relevant service.
20.1 A Lending Partner may reject an application for any reason permitted under its applicable policies and law.
20.2 Finogood Capital may communicate the reason or general explanation provided by the Lending Partner, where available and permissible.
20.3 Some Lending Partners may provide only general rejection reasons. Finogood Capital cannot guarantee that a detailed written rejection reason will always be available.
20.4 Rejection does not constitute evidence that Finogood Capital guaranteed approval.
20.5 Where appropriate, Finogood Capital may explain possible next steps or alternative eligibility considerations, but no future approval shall be guaranteed.
21.1 A customer may be eligible to reapply subject to applicable lender policies.
21.2 Re-application may require updated documents and information.
21.3 The timing of any future application shall depend on the relevant Lending Partner's policies and the customer's circumstances.
21.4 Finogood Capital does not guarantee that a future application will be approved.
22.1 Rejection of a loan application does not by itself mean that the Membership service was not provided.
22.2 Refund eligibility following rejection shall therefore be governed by the applicable Refund & Return Policy and not by any implied guarantee of loan approval.
22.3 Where the Membership includes benefits unrelated to loan approval, eligible benefits may continue to be available during the Membership validity period, subject to their applicable terms.
23.1 Payments may be processed through authorised third-party payment gateways.
23.2 A payment is considered received by Finogood Capital only when the payment is successfully credited or otherwise confirmed by the applicable payment system.
23.3 In case of payment failure, reversal, chargeback or technical error, the customer may contact Finogood Capital with the transaction reference.
23.4 Customers should retain payment confirmations and transaction references.
23.5 Finogood Capital shall cooperate with payment-gateway investigations where reasonably required.
24.1 Customers should first contact Finogood Capital regarding a payment dispute.
24.2 Finogood Capital may provide transaction records or other relevant information to the payment gateway, bank or authorised authority as required.
24.3 Nothing in these Terms prevents a customer from exercising any statutory or regulatory right available to them.
25.1 Customer information shall be handled in accordance with Finogood Capital's Privacy Policy and applicable law.
25.2 Personal information may be processed for providing requested services, communication, compliance, fraud prevention, security, record keeping and other lawful purposes.
25.3 Where required, information may be shared with banks, NBFCs, Lending Partners, payment processors, service providers, professional advisers, regulators or authorities, subject to applicable law and necessary consent.
25.4 Customers should review the Company's Privacy Policy before submitting personal information.
26.1 Finogood Capital will maintain reasonable security measures appropriate to the nature of the information handled.
26.2 No electronic system can be guaranteed to be completely secure.
26.3 Customers must immediately notify Finogood Capital if they suspect unauthorised access to their account or personal information.
26.4 Finogood Capital may take reasonable steps to restrict, suspend or secure an account where a security risk is identified.
27.1 Finogood Capital may record calls and other communications for legitimate purposes such as quality control, training, security, fraud prevention, dispute resolution, compliance and service improvement, subject to applicable law and required notice.
27.2 Customers may contact Finogood Capital regarding the handling of recorded communications in accordance with the Privacy Policy.
28.1 Finogood Capital's marketing may include advertisements, social-media posts, videos, banners, SMS, emails, website content and other promotional materials.
28.2 Promotional information is intended to provide general information unless expressly stated otherwise.
28.3 Any advertised loan amount, interest rate, tenure, processing time or other benefit may be subject to eligibility and the applicable Lending Partner's final terms.
28.4 Marketing content shall not be interpreted as a guarantee of loan approval.
28.5 Any eligibility tool displayed on the website is indicative and does not constitute final sanction.
29.1 Finogood Capital may publish informational content obtained or adapted from third-party sources.
29.2 Third-party content may be subject to change or may not apply to every customer.
29.3 Customers should verify important financial terms with the relevant Lending Partner or authorised source before acting upon them.
30.1 Logos or names of banks, NBFCs or other institutions displayed on Finogood Capital's website or marketing materials shall be used only where Finogood Capital is authorised to use them.
30.2 Display of a logo does not mean that the concerned institution guarantees approval of any customer's application.
30.3 Where a partnership or relationship is referenced, the nature and scope of such relationship shall be described accurately.
31.1 Finogood Capital may use third-party service providers for payment processing, technology, communication, verification, hosting, analytics, security and other legitimate business functions.
31.2 Third-party services may be governed by their own terms and privacy policies.
31.3 Finogood Capital shall take reasonable steps to use reputable service providers appropriate to the relevant function.
32.1 Customers should immediately report suspected fraud, impersonation, unauthorised payment requests or misuse of the Finogood Capital name.
32.2 Finogood Capital may investigate suspected fraudulent activity and may cooperate with banks, payment gateways, law-enforcement authorities or other authorised bodies.
32.3 Finogood Capital shall not be responsible for a fraud committed by an unauthorised third party merely impersonating Finogood Capital, subject to applicable law.
33.1 Finogood Capital's trademarks, logos, website content, software, designs, written materials, business materials and other proprietary content are protected by applicable intellectual-property laws.
33.2 No person may reproduce, modify, distribute, sell or commercially exploit Finogood Capital's proprietary materials without written permission.
33.3 This clause does not restrict lawful use permitted by applicable law.
34.1 Users shall not disclose confidential information received through their relationship with Finogood Capital except where authorised or legally required.
34.2 Employees, representatives and authorised users may have additional confidentiality obligations under their employment or service agreements.
35.1 Finogood Capital may request customer feedback or testimonials.
35.2 Customer photographs, names, statements or other identifying information shall be used for testimonials or marketing only where the Company has obtained the appropriate consent or otherwise has a lawful basis to use them.
35.3 A customer may contact Finogood Capital regarding withdrawal of consent where applicable.
36.1 Referral arrangements shall be governed by the applicable written Referral Agreement and these Terms.
36.2 Referral payouts shall be made only when the applicable eligibility conditions are satisfied.
36.3 A referral partner must provide accurate information and comply with the Company's referral rules.
36.4 A referral partner shall not make false promises or guarantee loan approval to referred customers.
36.5 Referral payouts shall not be treated as compensation for guaranteeing or influencing a lender's approval decision.
37.1 Any referral payout percentage or amount shall be communicated in the applicable Referral Agreement or official programme terms.
37.2 Payout may be subject to invoice requirements, successful payment confirmation, refund/chargeback status, verification and other applicable conditions.
37.3 If a referred transaction is refunded or reversed, the corresponding referral payout may be withheld or adjusted in accordance with the Referral Agreement.
37.4 No payout shall be due where the applicable contractual eligibility requirements have not been satisfied.
37.5 The Company may suspend a referral payout where fraud, duplicate referrals, misleading representations or policy violations are reasonably suspected, subject to applicable law and the applicable agreement.
38.1 Referral partners must not:
38.2 Breach of these requirements may result in suspension or termination of the referral relationship.
39.1 Employees and authorised representatives must use Company systems only for legitimate business purposes.
39.2 Employees must maintain confidentiality of customer and Company information.
39.3 Employees must use only authorised credentials and systems.
39.4 Employees must not share customer information with unauthorised persons.
39.5 Employees must not use customer data for personal purposes.
39.6 Employees must not collect customer payments into personal bank accounts, UPI IDs or wallets unless expressly authorised through a documented Company process.
39.7 Employees must immediately report suspected data breaches, fraud or unauthorised access.
40.1 The Easyfincart CRM Mobile Application is an internal business application intended for authorised employees, sales representatives and Company-authorised users.
40.2 Public users are not permitted to register or use the application without authorisation.
40.3 Users must use only credentials issued or approved by the Company.
40.4 Users are responsible for protecting their login credentials.
40.5 Users must not share usernames, passwords, OTPs or account access.
40.6 Authorised users may access customer leads, follow-up information, customer profile information and relevant payment status only for legitimate business purposes.
40.7 The CRM application does not itself process customer payments.
40.8 Users must not copy, download, distribute or disclose customer information without authorisation.
40.9 Users must not reverse engineer, hack, modify or interfere with the application.
40.10 The Company may suspend or terminate application access where there is a security risk, policy violation, misuse or other legitimate reason.
41.1 Where account deletion functionality is provided, an authorised CRM user may request deletion through the application.
41.2 The available process may include:
41.3 Deletion may be subject to legal, regulatory, accounting, security or record-retention requirements.
41.4 Account deletion does not necessarily require deletion of records that the Company is legally required or permitted to retain.
42.1 Finogood Capital may modify, suspend or temporarily restrict access to its website, CRM or other systems for maintenance, security, upgrades or other legitimate reasons.
42.2 Finogood Capital does not guarantee uninterrupted or error-free operation of every electronic system.
42.3 Technical issues shall be addressed within a reasonable period having regard to their nature and severity.
43.1 Customers should first raise complaints or concerns with Finogood Capital through the official customer-support/grievance channel.
43.2 Complaints should include sufficient information to identify the relevant transaction, Membership or application.
43.3 Finogood Capital will review complaints and provide a response or resolution in accordance with its internal process and applicable law.
43.4 Nothing in these Terms prevents a customer from approaching an authority, regulator, consumer forum, court or other lawful dispute-resolution mechanism available to them.
44.1 The parties should attempt to resolve disputes through good-faith communication before initiating formal proceedings, where appropriate.
44.2 Nothing in this clause prevents either party from exercising a statutory right or seeking urgent legal relief where permitted.
44.3 Any jurisdiction clause applicable to a specific agreement shall be interpreted subject to applicable law.
44.4 The Company shall not restrict a customer from exercising rights that cannot lawfully be waived.
45.1 Finogood Capital shall not be responsible for a Lending Partner's independent credit decision, provided that Finogood Capital has not itself made a misleading representation or otherwise acted unlawfully.
45.2 Finogood Capital shall not be responsible for delays caused by circumstances beyond its reasonable control, including lender systems, payment gateways, telecommunications, government systems, natural events or other third-party failures.
45.3 Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited.
46.1 Finogood Capital shall not be liable for failure or delay caused by circumstances beyond its reasonable control, including natural disasters, government restrictions, war, civil disturbance, technical infrastructure failures, telecommunications failures, cyber incidents affecting third-party infrastructure, banking-system failures or other comparable events.
46.2 Finogood Capital shall take reasonable steps to resume affected services when practicable.
47.1 Finogood Capital may update these Terms from time to time to reflect changes in services, law, technology, security requirements or business processes.
47.2 Updated Terms shall be published through an appropriate Company channel.
47.3 Changes shall not retrospectively alter rights or obligations that have already become fixed under a separate written agreement, except where permitted by law.
47.4 Continued use of the relevant service after an effective update may constitute acceptance of the updated Terms where legally permissible.
48.1 If any provision of these Terms is held to be invalid, unlawful or unenforceable, the remaining provisions shall continue to the extent legally permissible.
48.2 The invalid provision shall be interpreted or modified to the minimum extent necessary to make it legally enforceable where permitted by law.
49.1 Failure by Finogood Capital to enforce any provision immediately shall not constitute a waiver of its right to enforce that provision later.
50.1 These Terms, together with the applicable Privacy Policy, Refund & Return Policy, Membership terms, Referral Agreement and other written agreements expressly incorporated herein, constitute the applicable contractual framework for the relevant service.
50.2 Any specific written agreement signed between Finogood Capital and a customer, referral partner or other authorised party shall prevail over these general Terms to the extent of any inconsistency.
51.1 These Terms shall be governed by the laws applicable in India.
51.2 Any dispute shall be subject to the jurisdiction of competent courts/authorities as determined in accordance with applicable law and any valid contractual jurisdiction provision.
By using Finogood Capital's services or purchasing a Membership, the customer acknowledges that:
Finogood Capital / Finogood Capital Services Pvt. Ltd.
Email: info@finogoodcapital.co
Website:www.finogoodcapitalcapital.co
For Membership, payment, application, privacy, refund or grievance-related queries, customers should use the official contact details published by Finogood Capital.
Finogood Capital will never guarantee loan approval merely against payment of a Membership fee.
Do not share your UPI PIN, ATM PIN, card PIN, banking password or transaction OTP with any employee, telecaller or third party.
Always verify payment requests and lender communications through official channels.
Final loan approval, sanction, terms and disbursement are subject to the concerned Lending Partner's policies and decision.
© Fino Good Capital | All Right Reserved
