Legal

Terms & Conditions

Please read these terms carefully before using Fin Root Capital's services.

Last Updated: March 2024  |  Effective Date: March 2024

These Terms and Conditions ("Terms") govern your use of the Fin Root Capital website (finrootcapital.shop) and all financial services offered by Fin Root Capital. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree, please discontinue use immediately.

1. About Fin Root Capital

Fin Root Capital is a financial services company providing personal loans, business loans, credit assistance, financial planning, home loans, and vehicle financing services. Fin Root Capital operates in compliance with applicable Indian financial regulations including those set by the Reserve Bank of India (RBI).

2. Eligibility

To use Fin Root Capital's services, you must:

  • Be at least 18 years of age.
  • Be a resident citizen of India.
  • Have a valid PAN card and KYC documents as required by Fin Root Capital.
  • Meet the minimum income and credit eligibility criteria as assessed by Fin Root Capital.

3. Use of Website

When using the Fin Root Capital website, you agree to:

  • Provide accurate, truthful, and complete information in all forms and applications.
  • Not misuse, reverse-engineer, or attempt to hack any part of the Fin Root Capital platform.
  • Not submit fraudulent applications, documents, or impersonate another individual.
  • Not engage in any activity that disrupts the operation of the Fin Root Capital website.

4. Loan Services & Financial Products

All financial products and loan services offered by Fin Root Capital are subject to:

  • Approval based on Fin Root Capital's internal credit assessment policies.
  • Applicable interest rates, processing fees, and charges as disclosed at the time of offer.
  • Repayment schedules agreed upon in the loan sanction letter.
  • RBI regulations and any other applicable Indian financial laws.

Fin Root Capital reserves the right to reject loan applications at its sole discretion without providing a reason.

5. Interest Rates & Fees

Interest rates, processing charges, prepayment fees, and other costs associated with Fin Root Capital's products will be disclosed clearly before you commit to any product. Fin Root Capital does not charge any hidden fees. Any changes to fees or rates will be communicated in advance.

6. Marketing Communications

By submitting a contact or enquiry form on the Fin Root Capital website and providing your consent, you expressly agree to receive marketing, promotional, and transactional messages from Fin Root Capital via:

  • Email
  • SMS
  • WhatsApp
  • RCS (Rich Communication Services)
  • Phone calls

You may withdraw this consent at any time by contacting us at contact@finrootcapital.shop.

7. Intellectual Property

All content on the Fin Root Capital website — including text, graphics, logos, images, and software — is the exclusive intellectual property of Fin Root Capital and is protected by applicable copyright and trademark laws. Unauthorised use, reproduction, or distribution is strictly prohibited.

8. Limitation of Liability

Fin Root Capital shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or website. Our total liability in any matter shall not exceed the amount paid by you to Fin Root Capital in the preceding 3 months.

9. Indemnification

You agree to indemnify and hold harmless Fin Root Capital, its directors, employees, and partners from any claims, damages, losses, or expenses arising from your violation of these Terms or your use of our services.

10. Third-Party Services

Fin Root Capital may integrate with third-party services (credit bureaus, payment gateways, etc.). We are not responsible for the terms, content, or actions of these third parties.

11. Governing Law & Jurisdiction

These Terms shall be governed by the laws of India. Any disputes arising from or related to these Terms or Fin Root Capital's services shall be subject to the exclusive jurisdiction of the courts of New Delhi, India.

12. Amendments

Fin Root Capital may revise these Terms at any time. The updated Terms will be posted on our website with a revised effective date. Continued use of our services constitutes acceptance of the revised Terms.

13. Contact Information

For questions regarding these Terms, contact Fin Root Capital at:

📧 contact@finrootcapital.shop
📍 Fin Root Capital, Financial District, New Delhi – 110001, India