Website and General Service Terms

These Website and General Service Terms (the “Terms”) govern your access to https://finansh.in and any page, form, calculator, communication channel or service that links to these Terms (together, the “Website”), and the general terms on which Better Finansh Solutions Private Limited provides services under the brand Finansh.

Please read these Terms before using the Website or asking us to act for you. Important provisions about Lender decisions, compensation, fees, artificial intelligence, liability limits and disputes appear below.

Important Facts

• Finansh is a borrowing adviser, not a lender. We do not accept deposits, lend from our own balance sheet or make a Lender’s credit decision.
• Lenders decide. Only the relevant bank, housing finance company, non-banking financial company or other authorised Lender can issue a sanction, determine pricing and conditions, or disburse a loan.
• You deal directly with Finansh. Customer acquisition, borrowing advice, preliminary assessment, structuring support, document coordination and Lender coordination are performed by Finansh’s directors and employees. We do not appoint or use marketing partners, lead generators, referral agents, external sales agents, sub-DSAs, loan aggregators or outsourced loan-fulfilment partners to deal with customers.
• Finansh may itself be directly appointed by a Lender. We have direct written commercial arrangements with certain Lenders and may act for a Lender in a permitted DSA, channel, sourcing or LSP capacity. This does not authorise any external person to act for Finansh.
• Our Lender relationships are not exclusive. Finansh is independently owned, is not exclusive to any one Lender and does not cover every Lender or product in India.
• Retail borrowers never pay Finansh. Finansh charges no fee to an individual borrower for a Retail Loan—before, during or after sanction or disbursement.
• Business fees are success-only. A customer-paid Business success fee is earned only when the agreed loan is actually disbursed. Finansh does not charge advances, retainers, onboarding fees, application fees, review fees, renewal fees, withdrawal fees, subscriptions or recurring fees.
• Finansh never receives both Lender compensation and a customer fee for the same Transaction. If a Lender pays, is expected to pay or is liable to pay Finansh, the customer pays no Finansh fee for that Transaction. If a Business User pays an agreed success fee, Finansh will not accept or retain compensation from a Lender for the same Transaction.
• Lender, professional and statutory charges are separate. Processing, legal, valuation, technical, stock-audit, CERSAI, stamp-duty, registration, insurance and similar charges are paid directly to the relevant Lender or other identified payee. Finansh does not collect, mark up or retain them.
• FinBo assists people; it does not replace them. FinBo is presently an internal or adviser-assisted decision-support capability. It does not approve or reject credit, and material recommendations are reviewed by a member of our team.
• Information is shared only for a defined service purpose. We do not sell, rent or disclose customer information to marketing, channel, referral or lead-generation partners. We use necessary technology processors, share information with each named Lender only after the required authority, and may interact with that Lender’s appointed legal, technical, valuation, KYC or verification providers as part of the Lender’s process.
• Our monetary liability is limited. Subject to rights and liabilities that cannot lawfully be limited, Finansh’s liability for proven direct loss is capped at INR 1,00,000 for a Consumer claim arising from the same event or connected series of events, and INR 5,00,000 in aggregate for a Business User engagement. These are fixed limits and are not calculated by reference to the fee charged.
• Your mandatory legal and consumer rights remain protected. Nothing in these Terms removes a right, remedy or forum that applicable law does not allow you to waive.

This summary is included for readability. The complete Terms below govern the relationship and do not reduce the protections stated in this summary.

1. Who we are

The Website and the Finansh brand are operated by:

Better Finansh Solutions Private Limited
Corporate Identity Number: U70200PN2023PTC220377
Registered office: Office No. 807, 8th Floor, Solitaire Business Hub, Balewadi High Street, Baner, Pune - 411045, Maharashtra, India
Email: [email protected]
Telephone: +91 87674 11297

In these Terms, “Finansh”, “Company”, “we”, “us” and “our” mean Better Finansh Solutions Private Limited. “You” and “your” mean the person accessing the Website or receiving or requesting our Services and, where applicable, the business or other entity that person validly represents.

2. Definitions

For these Terms:

• “Business User” means a company, limited liability partnership, partnership, proprietorship, trust or other organisation, and a person using the Services wholly or mainly for business or professional purposes.
• “Consumer” has the meaning given under applicable consumer-protection law.
• “Digital Lending App” or “DLA” means a mobile or web-based application or interface that facilitates digital-lending services, within the meaning of the applicable Reserve Bank of India directions, as amended.
• “Engagement Document” means a mandate letter, engagement letter, fee letter, proposal, term sheet, statement of work, email confirmation or other written document accepted by you and Finansh that defines a specific assignment.
• “Lender” means a bank, housing finance company, non-banking financial company, financial institution or other entity lawfully offering the relevant credit facility.
• “Lender Documents” include a Lender’s application form, key facts statement, sanction letter, facility agreement, security document, mandate and other terms issued or approved by the Lender.
• “Lending Service Provider” or “LSP” means an agent of a regulated Lender that performs one or more digital-lending functions under an outsourcing arrangement, within the meaning of the applicable Reserve Bank of India directions, as amended. Use of this expression describes a regulated function or relationship and does not imply that an LSP holds a separate RBI licence.
• “Retail Loan” means a home loan or another facility that Finansh expressly accepts as personal or retail borrowing for an individual’s personal, family or household purpose, rather than a Business financing requirement.
• “Services” means the Website functions and the borrowing-advisory, credit-assessment support, debt-structuring, application-support and related services that Finansh agrees to provide.
• “Transaction” means a particular borrowing request, facility or transaction and the related advisory, structuring, sourcing, application, documentation and execution work. Different stages, invoices, labels or payment descriptions do not divide what is substantively the same Transaction.

A natural person may qualify as both a Business User and a Consumer under applicable law. If that occurs, the Consumer protections in these Terms prevail to the extent of any inconsistency.

3. Acceptance and authority

3.1 Website use

By accessing or using the Website, you agree only to the provisions of these Terms that reasonably govern Website access and use, including security, permitted use and intellectual property. Browsing alone does not create an advisory mandate, authorise a Lender submission, impose a fee, authorise promotional communications or make a Business User subject to arbitration. If you do not agree to the Website-use provisions, do not use the Website.

3.2 Service requests

You agree to the provisions relevant to a Service when, after being given access to these Terms, you take an affirmative acceptance step: for example, selecting an unticked acceptance box, signing or electronically accepting an Engagement Document, or giving an express service authorisation through email, WhatsApp or another recorded channel. An enquiry or application form should present the relevant acceptance text before submission. For a telephone-originated request, we may send you these Terms and ask for recorded confirmation before collecting documents or making a Lender submission.

Submitting an enquiry does not oblige Finansh to accept an engagement, approach a Lender or obtain any result. A Service engagement begins only when Finansh confirms acceptance or begins the specifically authorised work. We may retain reasonable evidence of the version, acceptance text, date, time, channel and identifier associated with an electronic acceptance.

3.3 Acting for another person or entity

If you act for a company, borrower, co-borrower, guarantor, promoter, family member or any other person, you confirm that:

• you have lawful and sufficient authority to do so;
• you are authorised to provide the information and documents you submit; and
• you will obtain any consent or authority required from each affected person.

You must not accept these Terms or provide another person’s data if you lack that authority.

3.4 Age

You must be at least 18 years old and legally competent to contract. The Website and Services are not directed to children.

4. Which document governs

These Terms are general. They do not replace transaction-specific documents.

For the relationship between you and Finansh, the order of priority is:

1. mandatory law and regulatory requirements;
2. an Engagement Document, but only for the specific subject and assignment it expressly covers;
3. these Terms; and
4. general Website descriptions and informational content.

Lender Documents separately govern the loan, credit facility, pricing, charges, security, repayment and relationship between you and the Lender. They are not Finansh documents and do not transfer a Lender’s obligations to Finansh. Our Privacy Policy governs how Finansh processes personal data; it is a transparency document and is not, by itself, a substitute for any specific consent required by law.

If an Engagement Document conflicts with these Terms, the Engagement Document prevails for the specific assignment it covers. For an Engagement Document first accepted on or after version 1.3 was published, it cannot require any customer fee other than a disbursement-linked Business success fee permitted under section 9 or authorise both customer and Lender compensation for the same Transaction. It may specify the Business success-fee amount or calculation, the relevant borrower, entity, SPV or facility, the disbursement-based success event, GST, invoicing and the post-disbursement payment period. An Engagement Document accepted before version 1.3 was published remains subject to section 31 and is changed only through a written amendment accepted by both parties. Nothing issued by Finansh changes a Lender Document unless the Lender expressly agrees in writing. Mandatory law prevails over every contractual provision.

Section 30.2 does not become part of an engagement merely because a Business User browses the Website, submits a form or generally accepts these Terms. Arbitration applies only where the requirements stated in section 30.2 are separately satisfied.

5. What Finansh does

Depending on the assignment, our Services may include:

• general educational content, tools and indicative calculators;
• understanding a borrower’s requirement, profile, cash flow, liabilities and constraints;
• preliminary credit assessment and identification of likely credit objections;
• debt and capital-structure analysis;
• lender-policy and lender-fit assessment;
• assistance with lender selection, application preparation and document checklists;
• coordination of KYC, financial, property, security and application documents;
• communication and follow-up with selected Lenders;
• comparison and explanation of sanctions, pricing, fees, covenants and other terms; and
• execution support through sanction, documentation and disbursement, within the agreed scope.

Our personal borrowing work may include home loans, home-loan balance transfers, loans against property and other property-backed facilities. Our business work may include working-capital facilities, term and machinery loans, capital structuring, renewable-energy project finance, lease-rental discounting, loans against property and other agreed debt requirements.

The actual scope is the scope we accept in writing. Website descriptions are not a promise that every Service is available for every person, facility, geography or Lender.

Finansh does not itself provide legal, tax, securities, investment-management, insurance-intermediation or property-valuation services. General Website content in those areas is informational only. A Lender or independently engaged qualified professional remains responsible for any legal, tax, insurance, technical or valuation work that party provides.

For an overview of our advisory and execution model, see How Finansh Works.

6. What Finansh does not do

Finansh does not:

• accept public deposits;
• lend money from its own balance sheet;
• issue a binding loan offer, sanction or key facts statement on behalf of a Lender;
• determine a Lender’s final credit decision;
• guarantee approval, pricing, loan amount, tenure, processing time or disbursement;
• guarantee the lowest rate or most favourable offer in the market;
• represent that it covers every Lender or financial product;
• operate as a credit information company or provide a credit score as a credit bureau;
• ask for or require your banking password, card PIN, CVV, UPI PIN or one-time password; or
• collect loan repayments or hold loan proceeds for onward transmission.

7. Our in-house service model

Finansh’s customer acquisition, borrower-facing advisory, preliminary assessment, structuring support, documentation coordination and Lender coordination are performed by Finansh’s directors and employees.

Finansh may itself be directly empanelled or appointed by a Lender as a corporate direct selling agent, channel partner, sourcing service provider, LSP or in another permitted capacity. That is a direct relationship between Finansh and the Lender. It does not mean that Finansh appoints downstream channel partners, sub-DSAs or external customer-facing agents.

Finansh does not appoint or use any third party as a marketing partner, channel partner, lead generator, referral agent, external sales agent, sub-DSA, loan aggregator or outsourced loan-fulfilment provider. No such person is authorised to solicit customers, provide advice, collect customer documents or fees, or make a representation or commitment on behalf of Finansh.

Necessary third parties may still support a defined technical, professional or Lender-side function. These may include:

• hosting, cloud, email, CRM, communications, document-management, analytics, cybersecurity and other technology processors acting under Finansh’s instructions;
• auditors, advocates, chartered accountants, company secretaries and other professional advisers engaged for Finansh’s legal, audit or operational requirements;
• Lenders selected and authorised by the customer; and
• a Lender’s employees and Lender-appointed KYC, verification, legal, technical, valuation or other service providers.

These parties do not become Finansh marketing, sales or loan-fulfilment agents merely because they perform a defined technical or professional task. A Lender and its appointed providers act for the Lender’s process, not as Finansh’s external customer-facing team. Where a processor handles personal data for Finansh, Finansh remains responsible to the extent required by applicable law.

Finansh’s Privacy Policy explains the purposes, recipient categories and safeguards that apply to such processing and sharing.

8. Lender relationships and what “independent” means

Finansh enters into written commercial arrangements directly with selected Lenders for permitted sourcing, application coordination and related services. Depending on the applicable arrangement and function, a Lender may describe Finansh as its corporate DSA, channel partner, sourcing service provider, LSP or by another permitted term. These labels describe Finansh’s direct relationship with that Lender; they do not authorise an external person to solicit, advise or act for customers on Finansh’s behalf. A Lender may pay Finansh directly, subject always to the one-source compensation rule in section 9.3.

When Finansh describes itself as an independent borrowing adviser, “independent” means that Finansh is independently owned, is not part of a Lender’s corporate group and is not exclusively tied to one Lender. It does not mean that:

• Finansh has no commercial relationship with Lenders;
• every Lender in India is included in our assessment;
• Finansh receives no compensation from a Lender; or
• every available product is suitable or accessible through Finansh.

Whether, or how much, a Lender pays Finansh is not a lender-fit criterion and does not determine our recommendation. Our assessment considers eligibility, credit policy, sector and geographic appetite, collateral, cash flow, service capability, execution feasibility, relationship access, pricing, fees, covenants and the borrower’s stated priorities. We will disclose a material conflict of interest that is specific to the proposed engagement and known to us.

A direct contractual arrangement with a Lender does not make Finansh the Lender, an employee of the Lender or authorised to bind the Lender. It also does not authorise any external person to act for Finansh. When discussing a particular Lender, we will identify our role accurately.

9. Finansh fees and loan-related charges

9.1 Retail Loans: no fee to Finansh

Finansh does not charge or collect any fee from an individual borrower for advice, assessment, application assistance, documentation coordination, sanction support, disbursement support, review, renewal or any other Finansh service connected with a Retail Loan. This applies whether or not the Retail Loan is sanctioned or disbursed.

No advance, retainer, onboarding fee, application fee, engagement fee, success fee, review fee, renewal fee, withdrawal fee, subscription or recurring fee is payable to Finansh by a retail borrower.

Finansh may receive Transaction-linked compensation directly from a Lender under a written arrangement. Any such compensation is payable by the Lender and is not charged to or recovered from the retail borrower.

9.2 Business engagements: success fee only

Where Finansh charges a Business User, it charges only a success-linked Professional Advisory Fee expressly agreed in an Engagement Document. Finansh does not charge a Business User any advance, onboarding fee, application fee, engagement fee, retainer, periodic fee, review fee, renewal fee, withdrawal fee, subscription fee or recurring fee.

The Engagement Document will state the fee amount or calculation method, GST treatment, relevant borrower, entity, SPV or facility, disbursement-based success event, invoicing and post-disbursement payment period.

Unless the Engagement Document defines a different disbursement-based success event, the success event is the first release of funds by the Lender to or on behalf of the relevant borrower, entity or SPV under the sanctioned facility, whether that first release is full or partial. A consultation, assessment, proposal submission, credit appraisal, in-principle approval or sanction without disbursement does not by itself earn a Finansh fee.

The Professional Advisory Fee becomes due only after the agreed success event occurs. Where the Engagement Document calculates the fee on the sanctioned facility amount, the first disbursement triggers that agreed fee irrespective of the timing or amount of later drawdowns. Subsequent drawdowns under the same sanctioned facility do not create a separate review, renewal or recurring fee.

9.3 One source of Finansh compensation—never both

For the same Transaction, Finansh retains compensation from only one source:

• if Finansh receives, is entitled to receive or reasonably expects to receive a fee, commission, incentive, sourcing payment or other Transaction-linked compensation from a Lender, the customer pays no Finansh fee for that Transaction; and
• if a Business User agrees in writing to pay Finansh a success fee, Finansh will not solicit, accept or retain Transaction-linked compensation from a Lender for the same Transaction.

Different stages of work, facilities documented together, invoices, entities used for payment, accounting descriptions or labels such as advisory, structuring, sourcing, coordination, success or execution do not permit Finansh to retain compensation from both sources for what is substantively the same Transaction.

If conflicting compensation is received, Finansh will promptly reject, reverse, return or refund the conflicting amount so that it retains compensation from only one source, and will notify the affected customer of the resolution. No director, employee, Engagement Document or side arrangement may waive or override this rule.

Where applicable law or a Lender arrangement requires compensation payable to Finansh as an LSP or Lender agent to be borne by the Lender, it will be paid by the Lender and will not be charged to or collected from the borrower. A sourcing, channel or LSP payment will not be relabelled as a customer advisory fee.

9.4 Lender, professional and statutory charges

Charges imposed in connection with a Retail Loan or Business financing are separate from Finansh’s compensation. Where applicable, the customer remains responsible for Lender processing, application and documentation charges; advocate, legal, title-search and search-report charges; technical-appraisal and TEV charges; valuation charges; stock-audit and receivables-audit charges; CERSAI charges; stamp duty; registration and security-creation charges; insurance premiums; taxes; and other disclosed statutory or transactional charges.

These amounts must be paid directly to the relevant Lender or, where the Lender so directs, to the identified government authority or independent professional or service provider. Finansh does not collect, route, mark up or retain any part of these amounts. The applicable amount, payee and payment instructions are governed by the relevant Lender Documents, invoice or provider terms.

9.5 GST, payment, cancellation and withdrawal

Applicable GST is additional to a customer-paid Business success fee unless the Engagement Document expressly states that GST is included. Finansh will invoice the success fee only after the agreed success event, and the fee is payable within the post-disbursement period stated in the Engagement Document.

If a customer terminates or withdraws before the agreed success event, no Finansh success fee is payable at that time. If the success event occurred before termination or withdrawal, the success fee already earned remains payable. Where an Engagement Document expressly states a post-termination period, a success fee may also become due if, during that period, the same financing requirement is actually disbursed by a Lender introduced, approached or materially engaged by Finansh during the engagement. No fee is payable under such a provision unless that disbursement occurs. Lender, professional and statutory charges remain governed by the relevant Lender Documents, invoices or provider terms and are payable directly to their respective payees.

Finansh does not collect any fee before the agreed success event, so there is no unearned Finansh fee to refund. An erroneous, duplicate or conflicting payment will be returned promptly after verification. Nothing in this section limits a mandatory refund, cancellation or cooling-off right under applicable law.

A payment due to Finansh is accepted only against a Finansh invoice into an official bank account held in the name of Better Finansh Solutions Private Limited. No director or employee of Finansh—and no person claiming to be its agent, marketing partner, channel partner or representative—is authorised to request payment into a personal bank account, personal UPI ID or unverified wallet.

10. Your selection and authorisation of Lenders

Contacting Finansh, using a calculator or submitting a general enquiry does not authorise us to circulate your documents to any Lender.

Before sharing an application or any personal or financial information with a Lender, Finansh will obtain or record your authority for each named Lender and the stated facility or purpose. Authority for one Lender is not authority for another. If you approve more than one Lender at the same time, the confirmation will list each Lender and the relevant information or document categories. Your authority may be recorded through an Engagement Document, lender-selection confirmation, email, digital form or another auditable channel.

You may ask us to stop a submission that has not yet been made. Once information has lawfully been submitted to a Lender, that Lender will process and retain it under its own legal duties and privacy terms; withdrawing authority from Finansh does not automatically require the Lender to erase its records.

11. Protected financial-data access

Finansh will not obtain a credit-bureau report, Account Aggregator data, CERSAI-linked information, KYC verification, bank-account data or another protected financial dataset merely because you accepted these Terms.

Any such access must have:

• a lawful and permissible purpose;
• any authority, eligibility or Lender involvement required by law;
• specific and recorded consent or other lawful basis; and
• a disclosed purpose and recipient.

Where we receive a report from you or a Lender, we may use it only for the agreed purpose and subject to applicable law, the relevant Lender arrangement and our Privacy Policy.

12. Your responsibilities

You agree to:

• provide information and documents that are authentic, accurate, current and complete;
• disclose material liabilities, defaults, disputes, encumbrances, related-party exposures and other facts relevant to the requirement;
• promptly correct information that becomes inaccurate or incomplete;
• review every application, declaration, sanction, key facts statement and agreement before accepting or signing it;
• obtain authority before providing another person’s or entity’s information;
• cooperate with lawful KYC, verification, due-diligence and documentation requirements;
• keep your devices, email, accounts and credentials secure;
• pay a Lender or provider only through a verified channel; and
• assess whether the proposed borrowing and repayment obligation are sustainable for you.

You must not:

• submit forged, altered, misleading or unlawfully obtained information;
• impersonate another person or conceal a material fact;
• use the Website or Services for fraud, money laundering, bribery, sanctions evasion or another unlawful purpose;
• ask Finansh to misstate information, bypass a Lender policy or improperly influence an official;
• upload malware, probe security, scrape protected data or interfere with the Website;
• infringe intellectual-property, confidentiality, privacy or other rights; or
• share a password, PIN, CVV, UPI PIN or OTP with Finansh or with anyone claiming to be Finansh.

Finansh may pause or end an engagement where information appears false, authority is missing, a conflict exists, requested conduct may be unlawful or unethical, or continuing would expose a customer, Lender or Finansh to unreasonable risk.

13. Applications, documents and customer decisions

Finansh may help organise, populate, check and transmit an application on your instructions. Unless we have a specific lawful power of attorney or other written authority, we do not sign your declarations, make your warranties or accept a Lender’s terms on your behalf.

You remain responsible for the representations made in your application and for deciding whether to accept a sanction or facility. Finansh may explain and compare terms, identify risks and negotiate or coordinate within its authority, but the final borrowing decision is yours.

You should retain copies of every final document. If a Finansh summary differs from the Lender’s final document, the Lender’s final document governs the loan.

14. Lender decisions and no guarantee

Each Lender independently applies its own policies, credit assessment, KYC and due-diligence standards. A Lender may request additional information, alter terms, impose conditions, reduce or decline a facility, withdraw an indication or sanction, or delay or refuse disbursement.

An eligibility indication, lender-fit view, discussion with an official, preliminary term sheet or past precedent is not a sanction or guarantee. A sanction may itself be conditional and may expire or be withdrawn in accordance with its terms.

Finansh is not responsible merely because a Lender reaches an adverse decision or changes its terms. This does not exclude responsibility for a loss directly caused by Finansh’s own fraud, unauthorised act, material misrepresentation, breach of contract or failure to exercise reasonable care.

15. Website information, rates, comparisons and calculators

Website content may be based on public information, Lender communications, observed market practice and our professional experience. Credit policies, benchmark rates, spreads, fees, eligibility criteria and Lender appetite can change without public notice and may depend on facts not captured by a Website tool.

Accordingly:

• Website rates, amounts, tenures, eligibility views and calculations are indicative unless a Lender expressly issues them to you in a binding document;
• a comparison may cover only Lenders or products reasonably available to Finansh for that case;
• advertised rates may not be available for your profile;
• calculators may use assumptions and rounded amounts; and
• historical transactions, case studies and testimonials do not guarantee a future result.

A Website result is not a sanction, key facts statement, annual percentage rate disclosure, facility agreement or personalised recommendation. Verify the final amount, APR or interest rate, benchmark, reset terms, fees, penal charges, covenants, security, insurance and repayment obligation in the Lender Documents before accepting a facility.

We aim to correct a material factual error brought to our attention. Please write to [email protected] with the page and the information you believe is incorrect.

16. FinBo and artificial intelligence

16.1 Current role

FinBo presently supports internal or adviser-assisted organisation, analysis, policy matching, comparison and review. FinBo does not lend, approve, sanction or reject credit. A member of the Finansh team reviews a material FinBo-assisted recommendation before asking a customer to rely on it. The Lender remains the sole credit decision-maker.

FinBo’s current deployment is not offered to customers as a public self-service lender marketplace. Whether Finansh performs a function as an LSP, or whether a particular digital interface is a DLA, depends on the actual arrangement and the applicable RBI directions. Neither expression is a separate Finansh lending licence or RBI endorsement.

If a Finansh activity or digital interface falls within an applicable digital-lending requirement, Finansh and the relevant Lender will address the role, disclosures, data controls, grievance arrangements and other safeguards required for that deployment.

Unless expressly stated after lawful deployment, no FinBo preview or Website feature should be understood as:

• a public self-service lender marketplace;
• a binding display of Lender offers;
• an autonomous underwriting or pricing system; or
• an RBI-licensed or RBI-endorsed platform.

16.2 Limitations

Artificial-intelligence and rules-based outputs can be incomplete, probabilistic, affected by inaccurate inputs or become outdated as Lender policies change. They must be read together with human advice and final Lender Documents. Do not make an irreversible borrowing, legal, tax or investment decision solely from an automated output.

16.3 Customer data and AI

Finansh does not use customer personal data or confidential financial documents to train publicly available general-purpose AI models. If an approved enterprise AI or technology provider processes information for an agreed purpose, Finansh will apply data minimisation, access controls, contractual safeguards and the disclosures or consent required under our Privacy Policy and applicable law.

Do not submit confidential or financial information into an unapproved public chatbot or a field that does not clearly state its purpose.

17. Communications and call recording

When you ask for Services, Finansh’s directors and employees may contact you through the details and channels you provide, including telephone, email, SMS and WhatsApp, only as reasonably necessary to respond to your request, provide the agreed Service, address security or fraud concerns, handle a complaint, or give a legal or operational notice.

Finansh does not use external marketing, channel, referral or sales partners to contact customers and does not disclose customer contact details to another person for that person’s marketing or lead-generation purposes.

Finansh may conduct limited, relevant first-party business-to-business outreach directly through its own directors or employees using professional contact details lawfully obtained from public or responsible business-information sources. We identify Finansh, provide a practical opt-out, respect suppression choices and obtain consent first wherever applicable law requires it. We do not use consumer loan files, credit reports, protected financial data or private customer information for prospecting.

These Terms do not seek marketing consent. If you separately ask to receive first-party Finansh updates, that choice must be optional, specific and recorded, and you may withdraw it without affecting the Services. Necessary communications processors may transmit a Finansh message only under our instructions; they are not marketing or channel partners and may not use your contact details for their own marketing.

Our team will normally make service calls between 9:00 a.m. and 8:00 p.m. local time, or at another reasonable time that you request or expressly agree. We respect a recorded channel or timing preference and any stricter requirement under applicable law or a relevant Lender arrangement. An urgent security or fraud concern may require contact at another reasonable time.

A call or meeting may be recorded only after appropriate notice and for a stated lawful purpose such as quality, training, consent evidence or dispute resolution. You may ask whether a call is being recorded.

18. Privacy and data protection

Our Privacy Policy, available at https://finansh.in/privacy-policy/, explains the categories of data we collect, purposes of processing, recipients, retention approach, security practices, rights and contact mechanism. It forms part of the transparency framework for the Services.

We will seek purpose-specific information and any specific consent required at the relevant stage. Accepting these Terms does not constitute consent for every possible data use or Lender disclosure.

Subject to applicable law and processing already lawfully undertaken, you may withdraw consent for future processing. Withdrawal may prevent us from continuing a Service. Some records may need to be retained for a legal claim, fraud prevention, tax, audit, regulatory requirement, Lender obligation or another lawful purpose.

Finansh does not sell, rent or trade customer personal data and does not disclose it to marketing, channel, referral or lead-generation partners. We do not publish a customer’s name, testimonial, transaction details or confidential documents without separate authority.

19. Confidentiality

We will use reasonable organisational and technical controls to protect confidential information received for an engagement and will limit access to people who need it for the agreed purpose.

Confidential information does not include information that:

• is lawfully public other than through a breach;
• was already lawfully known without a confidentiality duty;
• is independently developed without using the confidential information;
• is received lawfully from another source without a confidentiality restriction; or
• must be disclosed under law, court order, regulatory requirement or a valid request from a competent authority.

Where legally permitted and reasonably practicable, we will give notice before a compelled disclosure. A separate NDA or confidentiality clause in an Engagement Document prevails for that engagement.

20. Your documents, feedback and limited permission

You retain ownership of documents and original content that you lawfully provide. You give Finansh a limited, non-exclusive permission to receive, copy, organise, analyse and transmit that material only as reasonably necessary to:

• respond to your request and provide the agreed Services through Finansh’s directors and employees;
• use necessary technology processors acting under Finansh’s instructions for a defined service purpose;
• transmit the specified information to each named Lender that you have authorised;
• obtain confidential professional advice or comply with a lawful requirement;
• maintain lawful records, prevent fraud and resolve disputes; and
• comply with legal, tax, audit or regulatory obligations.

This permission does not authorise disclosure to a marketing, channel, referral or lead-generation partner, or to an unnamed Lender. After an authorised submission, the Lender’s processing - including processing by its employees and appointed legal, technical, valuation, KYC or verification providers - is governed by the Lender’s legal duties and privacy terms.

This permission ends when its purpose ends, subject to lawful retention and processing already lawfully undertaken by an authorised Lender. It does not give Finansh a right to publish your documents or testimonial.

If you voluntarily provide general feedback or a product suggestion without marking it confidential, we may use the idea to improve our Services. We will not attribute the feedback to you publicly without permission.

21. Finansh intellectual property and permitted use

The Website, FinBo, Finansh brand, written content, original tools, databases, designs, code, models and other materials are owned by or licensed to Finansh and are protected by applicable law.

Further information appears in our Copyright and Intellectual Property Notice.

We grant you a limited, revocable, non-exclusive and non-transferable right to access public Website content and use it for your own personal purposes or internal business evaluation. This right does not transfer ownership.

Without prior written permission, you must not:

• reproduce, republish or commercially exploit a substantial part of the Website;
• remove an attribution, copyright or trademark notice;
• reverse engineer or attempt to extract non-public source code, models, rules or databases;
• bulk scrape, harvest or systematically download Website content or personal data;
• create a substitute or competing database or service from our content;
• use our content to train, fine-tune or evaluate a foundation or generative-AI model; or
• imply that Finansh sponsors, verifies or endorses a third-party service or AI output.

We permit bona fide search engines and answer engines to access and index public pages in accordance with our robots instructions and technical controls, and to display links, short snippets and accurate factual summaries with clear attribution to Finansh. This permission does not extend to the prohibited activities above.

“Finansh”, “FinBo” and associated marks and brand assets belong to their respective owner. Bank, Lender and third-party names and marks belong to their respective owners.

22. Third-party websites, Lenders and providers

The Website may link to a Lender, regulator, government portal or other third-party site. A link is provided for convenience or context and does not, by itself, mean ownership, control or endorsement.

References to a Lender may reflect a genuine commercial relationship, an informational comparison or both. Finansh does not own or control a Lender’s site, systems, policies or final documents.

Your use of an independent Lender or Lender-appointed service is governed by that party’s terms and privacy practices. A technology processor that handles data solely under Finansh’s documented instructions does not become a Lender, adviser, sales agent or loan-fulfilment provider. Finansh remains responsible for its own conduct and for processors to the extent required by applicable law.

23. Fraud and impersonation warning

Finansh will never ask you to:

• share a banking password, card PIN, CVV, UPI PIN or OTP;
• transfer a fee to a director’s, employee’s or anyone else’s personal account;
• pay for a guaranteed sanction, guaranteed rate or guaranteed disbursement; or
• install an unverified application that gives remote access to your device.

Verify unexpected instructions through [email protected] or +91 87674 11297 before acting. If you suspect impersonation or cyber fraud, contact your bank immediately and report it to India’s National Cyber Crime Helpline at 1930 or https://cybercrime.gov.in. Prompt reporting can materially reduce loss.

Finansh has no external marketing partners, channel partners, referral agents, sales agents, sub-DSAs or loan-fulfilment agents. Treat anyone claiming such a role as a possible impersonator and verify the claim through our official email address or telephone number before sharing information, documents or money.

24. Availability, security and changes to Services

We use reasonable efforts to keep the Website and Services available and secure, but no online system can be guaranteed to be uninterrupted or error-free. Access may be affected by maintenance, cyber incidents, telecommunications failures, Lender systems, government action, natural events or other circumstances beyond reasonable control.

We may change, suspend or discontinue a Website feature. Where a change materially affects an accepted paid engagement, the Engagement Document and applicable law govern the consequences. We will not use a Website change to remove an accrued payment, refund or consumer right.

25. Accepting, declining or ending an engagement

Finansh may decline or suspend a request because of capacity, scope, geography, missing information, conflict of interest, suspected fraud, legal or ethical risk, Lender-policy limitations, abusive conduct or another legitimate reason. We will not decline Services on an unlawfully discriminatory basis.

Finansh may waive or reduce a Business success fee in writing. Any reduced fee remains success-linked and cannot become payable before the agreed disbursement-based success event. A waived or reduced fee does not lower the agreed standard of care or change the liability limit in section 27.

Where appropriate and lawful, we will explain what information or action is required to continue. We may withhold details where disclosure could compromise security, fraud prevention, a legal restriction or another person’s confidentiality.

You may stop using the Website at any time and may terminate an engagement as provided in the Engagement Document or applicable law. On termination:

• work and authority to act prospectively cease, subject to orderly closure;
• if termination occurs before the agreed disbursement-based success event, no Finansh success fee is payable at that time, subject only to any expressly agreed post-termination disbursement provision described in section 9.5;
• if the success event occurred before termination, the success fee already earned remains payable;
• Lender, professional and statutory charges remain payable directly to their respective payees under the applicable Lender Documents, invoices or provider terms;
• submitted information may remain with a Lender under its own obligations; and
• data will be retained or erased under the Privacy Policy and applicable law.

Where Finansh ends an engagement without customer fault, we will give reasonable notice where practicable and provide an orderly handover of available customer materials. Finansh does not charge for work performed, a proposal submitted, an appraisal commenced, an in-principle approval or a sanction where the agreed disbursement-based success event has not occurred. Ending the Finansh engagement does not by itself withdraw an application already submitted to a Lender; the withdrawal must also be communicated to that Lender.

Sections that by their nature should survive - including payment, confidentiality, intellectual property, liability, dispute and lawful record-retention provisions - continue after termination.

26. Our standard of care and warranties

Finansh will perform an accepted Service with reasonable skill, care and diligence, subject to the agreed scope, information available and dependencies on you, Lenders and other parties.

Except for this commitment and rights that cannot lawfully be excluded, the Website is provided on an “as available” basis. We do not warrant that every page, estimate or third-party link will always be current, complete, uninterrupted or free from error.

Nothing in these Terms excludes a statutory guarantee, warranty or remedy available to a Consumer that cannot lawfully be excluded or restricted.

27. Liability

27.1 Rights and liabilities that cannot be limited

Nothing in these Terms excludes or limits a liability, right or remedy to the extent applicable law does not permit it to be excluded or limited. Every exclusion and cap in this section applies only to the maximum extent permitted by law and must be read down, rather than disregarded entirely, where that is necessary for legal validity.

This includes liability for Finansh’s fraud or fraudulent misrepresentation, death or personal injury caused by Finansh where limitation is prohibited, and any other liability that a competent court or statutory forum determines cannot lawfully be limited.

The monetary caps in this section do not reduce:

• an obligation to return an erroneous, duplicate or conflicting payment under section 9;
• money held for and beneficially belonging to a customer; or
• a Consumer’s right to approach a competent Consumer Commission or other mandatory statutory forum.

27.2 Proven direct loss and causation

Subject to section 27.1, Finansh is responsible only for a proven direct loss that:

• was actually suffered by the claimant;
• was reasonably foreseeable when Finansh accepted the relevant obligation;
• was caused by Finansh’s material breach of that accepted obligation or failure to exercise reasonable skill and care; and
• was not reasonably avoidable by the claimant.

The claimant must establish that Finansh’s breach was a material and effective cause of the loss. The existence of an error, delay, adverse Lender decision or missed commercial opportunity does not by itself establish causation or the amount of a recoverable loss.

Where a loss was also caused by the act, omission, delay or inaccurate information of the customer, a Lender or another person, Finansh is responsible only to the extent that the proven loss was caused by Finansh.

Finansh does not assume responsibility for an outcome, deadline, facility amount, rate, saving or commercial result unless that specific responsibility was expressly accepted in an Engagement Document or another written confirmation.

27.3 Matters outside our responsibility

Finansh is not responsible merely because:

• a Lender declines, delays, changes, withdraws or conditions a facility;
• a Lender does not meet an expected sanction, documentation or disbursement timeline;
• a public, regulatory or Lender policy changes;
• information supplied by you or another authorised source is inaccurate, incomplete, misleading or delayed;
• required documents, approvals, margin money, security creation or customer decisions are delayed;
• you accept a Lender term after it was disclosed to you;
• you choose not to follow a material warning or recommendation that was clearly communicated;
• a Lender or independent third party experiences a failure outside our reasonable control;
• a Website estimate, eligibility view or comparison differs from a Lender’s final decision; or
• an event beyond reasonable control delays performance.

This section does not apply to the extent that Finansh’s own breach, negligence, unauthorised act or misrepresentation was a material and effective cause of the proven direct loss. We will provide reasonable cooperation to identify and correct an operational issue within our control.

27.4 Consumers

Subject to section 27.1 and to the fullest extent permitted by law, Finansh’s aggregate monetary liability to a Consumer for all claims arising from the same act, omission, Transaction, event or series of connected events is limited to the lower of:

• the Consumer’s proven direct loss; and
• INR 25,000.

Claims arising from connected facts, acts, omissions or consequences are treated as one claim for this limit, regardless of the number of communications, legal grounds or proceedings relied upon.

This is a fixed limit. It does not increase or decrease by reference to any fee, Lender compensation or the fact that a Consumer Service was provided without charge.

The limit does not prevent a Consumer from approaching a Consumer Commission or another competent statutory forum, and it remains subject to that forum’s power to determine whether and to what extent the limit is legally enforceable in the circumstances.

27.5 Business Users

Subject to section 27.1 and to the fullest extent permitted by law:

• Finansh’s aggregate monetary liability for all claims arising from or relating to a particular Business User engagement is limited to the lower of the Business User’s proven direct loss and INR 50,000;
• the INR 50,000 limit applies to the engagement as a whole, across all related claims, events, causes of action and persons claiming through the Business User;
• the limit is fixed and is not calculated by reference to the amount of any fee, Lender compensation, facility or Transaction;
• the same limit applies where the engagement is discounted, reduced-fee or pro bono;
• an Engagement Document may expressly agree a higher liability limit for that engagement, but may not impose a lower one; and
• neither party is liable for indirect, consequential, exemplary or punitive loss, or for loss of profit, revenue, goodwill, reputation, business opportunity or anticipated saving, unless the Engagement Document expressly states otherwise.

27.6 Mitigation and non-monetary relief

Each party must take reasonable steps to prevent and reduce an avoidable loss and must not recover an amount that reasonable mitigation would have avoided.

Nothing in this section prevents either party from seeking an injunction, preservation order or other non-monetary relief where legally available. A competent court or statutory forum retains any power that applicable law does not permit these Terms to restrict.

28. Responsibility for unlawful or unauthorised conduct

You are responsible for loss reasonably caused by your fraud, wilful misconduct, unlawful use of the Services, knowing submission of false or forged material, or provision of information without required authority.

A Business User will indemnify Finansh against a third-party claim to the extent directly caused by the Business User’s:

• fraud, wilful misconduct or unlawful instruction;
• material breach of its authority warranty;
• knowing infringement of another person’s intellectual-property, confidentiality or privacy right; or
• submission of a forged or unlawfully obtained document.

This indemnity does not apply to the extent the claim was caused by Finansh’s breach, negligence or misconduct. Finansh must give reasonable notice of a claim, allow reasonable participation in the defence and take reasonable steps to mitigate loss. We do not impose a general, unlimited indemnity on Consumers.

29. Complaints and grievance redressal

We encourage you to raise a concern early so that it can be investigated properly.

Grievance Officer: Aman Agarwal, Head - Business Operations
Dedicated grievance email: [email protected]
Alternative email: [email protected]
Telephone: +91 87674 11297
Postal address: Better Finansh Solutions Private Limited, Office No. 807, 8th Floor, Solitaire Business Hub, Balewadi High Street, Baner, Pune - 411045, Maharashtra, India

Please provide your name, contact details, a clear description, relevant dates, the Lender or facility involved and supporting documents. Do not send a password, PIN, CVV, UPI PIN or OTP.

We will:

• acknowledge a complaint within 48 hours;
• provide an initial substantive response or status update within 15 business days; and
• resolve the complaint or issue a reasoned final response within 30 calendar days after receipt.

If applicable law or a binding Lender arrangement requires a shorter period, the shorter period will apply.

A final response will state the outcome, the principal reasons, any corrective action and any further escalation route reasonably available. Where an issue cannot be fully resolved within 30 calendar days because it depends on a Lender, authority, pending evidence or legal restriction, the final response will identify what remains outstanding and the next expected step. This does not extend a shorter binding deadline.

Complaints about a Lender’s product, decision, employee, charge or regulated lending service may also be raised with that Lender. Finansh will provide or help identify the relevant Lender grievance channel where reasonably possible.

If the concerned regulated entity does not respond within the applicable period, or you are dissatisfied with its response, you may be eligible to use the RBI Complaint Management System at https://cms.rbi.org.in under the Reserve Bank - Integrated Ombudsman Scheme, 2026. Eligibility is governed by that Scheme. Finansh does not represent that an independent dispute about Finansh’s advisory service is itself maintainable before the RBI Ombudsman.

Nothing in this section restricts a Consumer’s right to use the National Consumer Helpline, a Consumer Commission or another competent statutory forum.

30. Governing law and disputes

These Terms are governed by the laws of India.

30.1 Consumers

If you are a Consumer, nothing in these Terms removes or restricts your right to approach a Consumer Commission or another competent authority or court under applicable law. No jurisdiction, negotiation or arbitration provision in these Terms overrides a mandatory Consumer right.

If you also fall within the definition of a Business User, this Consumer section prevails to the extent of any inconsistency.

30.2 Expressly agreed Business arbitration

This section 30.2 applies only where:

• the relevant Engagement Document expressly identifies and incorporates this section 30.2;
• the Engagement Document clearly states that disputes under that engagement will be resolved by arbitration; and
• the Business User separately accepts that Engagement Document in a signed or otherwise verifiable written or electronic record.

Browsing the Website, submitting a form, selecting a general Terms checkbox or otherwise accepting the general Website provisions does not by itself constitute acceptance of arbitration.

Where this section has been validly incorporated, the Business User and Finansh will first attempt in good faith to resolve the dispute through written escalation for 30 days after one party gives a dispute notice.

If unresolved, the dispute will be finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, as amended:

• the tribunal will consist of one arbitrator appointed by mutual written agreement;
• neither party may unilaterally appoint the arbitrator;
• if the parties do not agree on the arbitrator, the appointment will be made in accordance with the Act;
• the seat and legal place of arbitration will be Pune, Maharashtra;
• proceedings will be conducted in English; and
• the tribunal may award costs and any remedy available under applicable law.

Either party may seek urgent interim or protective relief from a competent court. Subject to mandatory law, courts at Pune, Maharashtra have exclusive jurisdiction over non-arbitrable Business User disputes connected with an engagement that validly incorporates this section and over court proceedings connected with the arbitration.

30.3 Business disputes where arbitration was not expressly accepted

Where a Business User has not validly accepted arbitration under section 30.2, no arbitration obligation arises under these Terms.

The parties should first attempt in good faith to resolve the dispute through written escalation for 30 days, unless urgent relief is reasonably required. Subject to mandatory law, courts at Pune, Maharashtra will have exclusive jurisdiction over such Business User disputes.

31. Effective dates and future changes

Version 1.3 was published on 21 August 2026.

It applies from 21 August 2026 to:

• Website access occurring on or after that date; and
• a Service request or engagement first accepted on or after that date.

For an ongoing Service engagement accepted before version 1.3 was published, version 1.3 applies prospectively from 4 September 2026 only after reasonable direct notice and only to the extent legally valid. It does not:

• alter a right, liability, refund or claim that accrued before 4 September 2026;
• retrospectively change an agreed fee, compensation basis, scope or deliverable; or
• override an existing Engagement Document.

Where affirmative acceptance is legally required for a material change to an ongoing engagement, the change will not apply to that engagement until the required acceptance is obtained.

We may update these Terms to reflect a change in law, regulation, Website functionality, operating model or Services. The current version will display its publication date, effective date and version number.

A future material change will apply prospectively. We will give active customers reasonable advance notice through their recorded contact details where the change materially affects an ongoing Service. A change affecting fees, liability, dispute rights, compensation basis or an accepted scope will not retrospectively alter accrued rights or completed conduct.

Continued use after a notified effective date constitutes acceptance only to the extent legally valid. Where fresh affirmative acceptance is required, we will ask for it.

32. General provisions

32.1 Electronic records

You agree that legally permitted notices, consents, records and agreements may be created and communicated electronically. A contract is not invalid merely because it was formed electronically. You should retain a copy of the version you accepted and important transaction communications.

32.2 No partnership with the customer

These Terms do not create a partnership, joint venture or employment relationship between you and Finansh, or a fiduciary duty beyond a duty expressly accepted by Finansh or imposed by applicable law. A direct contractual arrangement between Finansh and a Lender does not make the borrower a party to that arrangement and does not authorise Finansh to bind the Lender.

32.3 Assignment

You may not assign a specific engagement without our written consent, which will not be unreasonably withheld where assignment is lawful and does not increase risk. Finansh will not assign or outsource ordinary customer-facing performance to a marketing partner, channel partner, agent or external loan-fulfilment provider. Finansh may transfer an engagement only as part of a lawful merger, reconstruction or transfer of the business, subject to any required notice or consent and without reducing a Consumer’s mandatory rights.

32.4 Severability

If a provision is held invalid or unenforceable, it will be limited or removed only to the minimum extent necessary. The remaining provisions continue in effect.

32.5 No waiver

A delay or failure to enforce a right is not a waiver. A waiver must be clear and applies only to the specific occasion for which it is given.

32.6 Entire agreement

These Terms and any applicable Engagement Document constitute the agreement between you and Finansh concerning the subject they cover. They replace earlier general Website terms for that subject but do not replace final Lender Documents. The Privacy Policy separately explains Finansh’s data processing and does not create blanket consent merely because it is linked from these Terms.

32.7 Headings and language

Headings and summaries aid readability and do not change substantive meaning. If we provide a translation, the English version governs to the extent legally permitted, unless mandatory law requires otherwise.

33. Contact

Questions about these Terms may be sent to:

Better Finansh Solutions Private Limited
Office No. 807, 8th Floor, Solitaire Business Hub
Balewadi High Street, Baner
Pune - 411045, Maharashtra, India
Email: [email protected]
Telephone: +91 87674 11297