1. Acceptance of Terms
By accessing or using the website www.finarthik.com (“Website” or “Platform”), creating an account, or using our services, you agree to comply with and be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use our Website or services.
We may update these Terms from time to time, and the updated version will be posted on this page with a revised “Last Updated” date. Your continued use of the Website after such updates constitutes your acceptance of the revised Terms.
2. About Finarthik
Finarthik is a Direct Selling Agent (DSA) that helps individuals and businesses connect with banks and financial institutions to apply for various types of loans (such as home loans, loans against property, etc.).
We also provide tools such as the EMI calculator and other informational resources to help users make better financial decisions. Please note that Finarthik is not a bank or financial institution, and we do not provide loans directly.
3. Eligibility
You must be at least 18 years of age to use our Website or services. By using the Platform, you represent that you are legally capable of entering into a binding contract under applicable law.
If you are using the Platform on behalf of a company or other entity, you represent that you have the authority to bind that entity to these Terms.
4. User Accounts
4.1 Account Creation
Users can create accounts directly on the Platform or through requests generated by authorized Finarthik partners. When you create an account, you agree to:
- Provide accurate, complete, and up-to-date information.
- Maintain the confidentiality of your login credentials.
- Be responsible for all activities that occur under your account.
4.2 Account Termination
We reserve the right to suspend or terminate your account without notice if we believe you have violated these Terms or any applicable law.
You may request deletion of your account at any time by contacting us at contactus@finarthik.com.
5. Use of the Website and Services
You agree to use the Website and its services only for lawful purposes. You must not:
- Upload false, misleading, or fraudulent information.
- Submit documents that you do not have the legal right to share.
- Attempt to gain unauthorized access to any system, data, or user information.
- Use the Platform to engage in activities that could damage, disable, or overburden our systems.
6. Loan Application Process
Finarthik assists in collecting your information and forwarding it to authorized banks and financial institutions for loan evaluation.
Finarthik does not guarantee loan approval, interest rates, or loan terms. The final decision on loan approval rests solely with the respective bank or financial institution.
All users are responsible for ensuring that the information they provide is accurate and complete.
7. Partner Requests
Authorized partners may generate user account requests on behalf of customers. Partners must:
- Obtain user consent before sharing any personal data.
- Provide accurate and verifiable information.
- Comply with all applicable data protection laws and Finarthik’s internal policies.
Finarthik reserves the right to review, reject, or deactivate partner accounts that do not comply with these standards.
8. Intellectual Property Rights
All content on the Website — including text, graphics, logos, icons, tools (such as the EMI calculator), and software — is owned or licensed by Finarthik and is protected under applicable intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any part of the Website without our prior written permission.
9. Third-Party Links and Services
Our Website may contain links to third-party websites or services (e.g., bank websites). We do not control or endorse the content, products, or policies of these third parties and are not responsible for any damages or losses arising from your use of third-party services.
10. Limitation of Liability
To the maximum extent permitted by law:
- Finarthik shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use the Website or services.
- Finarthik is not responsible for the accuracy or reliability of any information provided by third parties, including banks and financial institutions.
- The use of our EMI calculator or informational content is at your own risk and should not be considered financial advice.
11. Disclaimer
All information provided on the Website is for informational purposes only. We do not provide financial, legal, or investment advice. Please review our full Disclaimer at https://finarthik.com/disclaimer for more details.