Terms of Service

1 Acceptance of Terms

Welcome to TrustFin Capital. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and TrustFin Capital ("Company," "we," "us," or "our"), governing your access to and use of the TrustFin Capital website, mobile application, and all related services (collectively, the "Platform").

By accessing, browsing, or using our Platform in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional guidelines or rules referenced herein. If you do not agree to these Terms, you must immediately cease using the Platform.

Your continued use of the Platform following any modifications to these Terms constitutes your acceptance of such modifications. We recommend reviewing these Terms periodically to stay informed of any changes.

2 Description of Services

TrustFin Capital operates as a loan facilitation platform that connects prospective borrowers with banks, Non-Banking Financial Companies (NBFCs), and other regulated lending institutions ("Lending Partners"). Our services include, but are not limited to:

• Loan Matching: Assisting users in identifying suitable loan products based on their financial profile, requirements, and eligibility criteria.
• Application Assistance: Facilitating the loan application process by collecting necessary documentation and forwarding applications to appropriate Lending Partners.
• Comparison Tools: Providing EMI calculators, interest rate comparisons, and loan eligibility assessments for informational purposes.
• Advisory Support: Offering general guidance on loan products, documentation requirements, and the lending process.
• Communication Facilitation: Acting as an intermediary for communication between users and Lending Partners during the loan process.

3 User Eligibility

To use the Platform, you must satisfy the following eligibility criteria:

• You must be at least 18 years of age and a resident of India.
• You must be competent to enter into a legally binding contract under the Indian Contract Act, 1872.
• You must possess a valid PAN (Permanent Account Number) card and Aadhaar number, or such other identification documents as may be required.
• You must not have been previously suspended, removed, or banned from using the Platform.
• If you are using the Platform on behalf of a business entity, you must have the authority to bind that entity to these Terms.

We reserve the right to verify your eligibility at any time and to refuse service if any eligibility criteria is not met.

4 Account Registration

Certain features of the Platform may require you to create an account. When registering, you agree to:

• Provide accurate, current, and complete information during the registration process.
• Maintain and promptly update your account information to keep it accurate and complete.
• Maintain the security and confidentiality of your login credentials, including your password.
• Immediately notify us of any unauthorised use of your account or any other security breach at hello@trustfincapital.in.
• Accept full responsibility for all activities that occur under your account.

We reserve the right to suspend or terminate your account at our sole discretion if we suspect any unauthorised, fraudulent, or illegal activity, or if the information provided is found to be inaccurate or incomplete.

5 User Obligations

As a user of the Platform, you agree to the following obligations:

5.1 Lawful Use

You shall use the Platform only for lawful purposes and in compliance with all applicable laws, rules, and regulations in India, including but not limited to the Information Technology Act, 2000, and the Reserve Bank of India guidelines.

5.2 Accurate Information

You shall provide truthful, accurate, and complete information in all loan applications, forms, and communications. Submission of false or misleading information may result in rejection of your application, account termination, and potential legal action.

5.3 Prohibited Activities

You shall not:

• Use the Platform for any fraudulent, deceptive, or illegal activity.
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
• Interfere with, disrupt, or compromise the security or integrity of the Platform, its servers, or networks.
• Use automated scripts, bots, or other data-mining tools to access the Platform without our express written permission.
• Transmit any viruses, malware, or other harmful code through the Platform.
• Attempt to gain unauthorised access to any portion of the Platform or any systems or networks connected to it.
• Use the Platform to harvest or collect personal information of other users.
• Reproduce, duplicate, copy, sell, or otherwise exploit any portion of the Platform for commercial purposes without our prior written consent.

6 Loan Facilitation Disclaimer

By using our Platform, you acknowledge and agree to the following:

• No Lending Activity: TrustFin Capital does not engage in any lending or borrowing activities. We solely act as an intermediary connecting prospective borrowers with Lending Partners.
• No Guarantee of Approval: We do not guarantee that any loan application submitted through our Platform will be approved by a Lending Partner. Loan approval is at the sole discretion of the respective Lending Partner based on their own credit assessment policies.
• No Guarantee of Terms: Interest rates, loan amounts, tenure, processing fees, and other loan terms are determined exclusively by the Lending Partners. Any indicative rates or estimates displayed on the Platform are for informational purposes only and are subject to change.
• Independent Verification: You are advised to independently verify all loan terms, conditions, and charges directly with the Lending Partner before accepting any loan offer.
• Lender Relationship: Any loan agreement entered into will be directly between you and the Lending Partner. TrustFin Capital is not a party to any such agreement and shall bear no responsibility for the terms, performance, or enforcement of such agreements.
• Regulatory Compliance: All Lending Partners listed on our Platform are regulated entities licensed by the Reserve Bank of India (RBI) or other appropriate regulatory bodies. However, TrustFin Capital does not guarantee the ongoing regulatory compliance of any Lending Partner.

7 Fees and Charges

TrustFin Capital may charge fees for certain services provided through the Platform. The following terms apply to all fees and charges:

• Service Fees: We may receive a facilitation fee, commission, or referral fee from our Lending Partners for successful loan facilitation. This fee is typically borne by the Lending Partner and does not increase the cost of the loan to you.
• Transparency: Any fees directly payable by you will be clearly disclosed before the relevant service is rendered. You will not be charged any hidden fees.
• Third-Party Charges: You may incur charges from third parties (such as processing fees, stamp duty, insurance premiums, or other charges levied by the Lending Partner) which are beyond our control.
• Tax Liability: All fees are exclusive of applicable taxes, including Goods and Services Tax (GST), unless expressly stated otherwise. You shall be responsible for any applicable taxes on fees payable by you.
• Refund Policy: Fees once paid to TrustFin Capital are generally non-refundable unless otherwise specified in writing or required under applicable law.

8 Intellectual Property

All content on the Platform, including but not limited to the following, is the exclusive property of TrustFin Capital or its licensors and is protected by applicable intellectual property laws of India:

• Website design, layout, graphics, logos, icons, and images.
• Text, articles, guides, and other written content.
• Software, source code, algorithms, and underlying technology.
• Trademarks, service marks, trade names, and brand elements.
• EMI calculators, tools, and proprietary matching algorithms.

You are granted a limited, non-exclusive, non-transferable, and revocable licence to access and use the Platform for personal, non-commercial purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the Platform without our prior written consent.

The "TrustFin Capital" name, logo, and all related marks are registered trademarks of TrustFin Capital. Unauthorised use of these marks is strictly prohibited and may constitute a violation of trademark laws.

9 Limitation of Liability

To the maximum extent permitted by applicable law:

• The Platform and all content, services, and features are provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, whether express, implied, or statutory.
• TrustFin Capital expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.
• We do not warrant that the Platform will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.
• In no event shall TrustFin Capital, its directors, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Platform.
• Our total aggregate liability for any claims arising out of or related to these Terms or your use of the Platform shall not exceed the total fees paid by you to TrustFin Capital in the twelve (12) months preceding the claim, or ₹10,000 (Indian Rupees Ten Thousand), whichever is lower.

TrustFin Capital shall not be held liable for any loss or damage arising from:

• Any action, decision, or policy of a Lending Partner, including loan rejection or unfavourable terms.
• Unauthorised access to or alteration of your data or transmissions.
• Any errors, inaccuracies, or omissions in the information provided by Lending Partners or third parties.
• Force majeure events, including natural disasters, pandemics, government actions, or internet service disruptions.

10 Indemnification

You agree to indemnify, defend, and hold harmless TrustFin Capital, its directors, officers, employees, agents, partners, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use or misuse of the Platform.
• Your violation of these Terms or any applicable law, regulation, or guideline.
• Your violation of any rights of a third party, including intellectual property rights or privacy rights.
• Any information or content you submit, post, or transmit through the Platform.
• Any fraudulent, false, or misleading information provided by you in connection with a loan application.
• Any dispute between you and a Lending Partner arising out of a loan facilitated through the Platform.

This indemnification obligation shall survive the termination of your account and these Terms.

11 Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. All matters arising out of or relating to these Terms shall be subject to the applicable provisions of the following, as amended from time to time:

• The Indian Contract Act, 1872
• The Information Technology Act, 2000, and the rules made thereunder
• The Consumer Protection Act, 2019
• The Reserve Bank of India Act, 1934, and applicable RBI guidelines and circulars
• Any other applicable legislation, rules, and regulations as may be in force

12 Dispute Resolution

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or the use of the Platform ("Dispute"), the parties agree to the following resolution mechanism:

12.1 Amicable Resolution

The parties shall first attempt to resolve any Dispute amicably through good faith negotiations. You may raise a complaint by writing to us at hello@trustfincapital.in. We shall endeavour to respond to and resolve your complaint within thirty (30) business days of receipt.

12.2 Arbitration

If the Dispute cannot be resolved amicably within thirty (30) days, either party may refer the Dispute to binding arbitration in accordance with the Arbitration and Conciliation Act, 1996 (as amended). The arbitration shall be conducted by a sole arbitrator mutually appointed by both parties. The seat and venue of arbitration shall be New Delhi, India. The language of arbitration shall be English. The arbitrator's award shall be final and binding on both parties.

12.3 Jurisdiction

Subject to the arbitration clause above, the courts of New Delhi, India shall have exclusive jurisdiction over any proceedings arising out of or in connection with these Terms.

13 Termination

Either party may terminate these Terms as follows:

13.1 Termination by You

You may terminate your account at any time by contacting us at hello@trustfincapital.in and requesting account deletion. Termination of your account does not automatically discharge any obligations you may have toward Lending Partners for loans already sanctioned or disbursed.

13.2 Termination by Us

We may suspend or terminate your access to the Platform, with or without prior notice, if:

• You breach any provision of these Terms.
• We are required to do so by law, regulation, or a court order.
• We reasonably believe that your conduct may cause harm to TrustFin Capital, other users, or Lending Partners.
• Your account has been inactive for a prolonged period.
• We decide to discontinue the Platform or any part of our services.

13.3 Effect of Termination

Upon termination, your right to access and use the Platform shall immediately cease. Sections relating to Intellectual Property, Limitation of Liability, Indemnification, Governing Law, and Dispute Resolution shall survive the termination of these Terms.

14 Modifications to Terms

TrustFin Capital reserves the right to modify, amend, or update these Terms at any time at its sole discretion. When we make material changes:

• We will update the "Last updated" date at the top of this page.
• We may notify you of significant changes through email, in-app notifications, or a prominent notice on the Platform.
• Continued use of the Platform after the effective date of any changes constitutes your acceptance of the revised Terms.

For material changes that significantly affect your rights or obligations, we will endeavour to provide at least fifteen (15) days' advance notice. It is your responsibility to review these Terms regularly. If you do not agree with the revised Terms, you must discontinue use of the Platform.

15 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other provision of these Terms, which shall remain in full force and effect.

The invalid, illegal, or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving the original intent of the parties. If such modification is not possible, the provision shall be severed from these Terms, and the remaining provisions shall continue to be valid and enforceable.

The failure of TrustFin Capital to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

16 Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us through the following channels: