Below are the Terms and Conditions governing the use of services provided by Finnbee Financial Services LLP (“Finnbee,” “we,” “us,” or “our”). These terms apply to all customers accessing our financial products and services, including loans, credit cards, corporate fixed deposits, mutual funds, and bonds. By engaging with our services, you agree to be bound by these terms.

1. General Terms and Conditions

1.1 Acceptance of Terms

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as any additional terms specific to individual financial products. If you do not agree, please refrain from using our services.

1.2 Eligibility

• You must be at least 18 years old and either a resident or non-resident citizen of India to use our services.
• You must provide accurate, complete, and up-to-date information during the application process.
• Eligibility for specific financial products (e.g., loans, credit cards) is subject to the criteria set by our partner financial institutions.

1.3 Services Provided

Finnbee acts as a distributor of financial products and does not directly provide loans, credit cards, fixed deposits, mutual funds, or bonds. We facilitate connections between customers and financial institutions or asset management companies. Approvals, disbursements, and terms are determined by these partner institutions.

1.4 Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be communicated via our website or through direct communication. Continued use of our services after changes constitutes acceptance of the updated terms.

2. Product-Specific Terms and Conditions

2.1 Loans

• Application Process: Finnbee assists in gathering documentation, validating eligibility, and coordinating with partnered financial institutions. Loan approval and terms (e.g., interest rates, tenure, repayment schedule) are determined solely by the lending institution.
• Customer Responsibilities: You agree to provide accurate financial and personal information, including income proof, identity documents, and other required materials. Misrepresentation may lead to application rejection or legal consequences.
• Liability: Finnbee is not liable for delays, rejections, or disputes arising from the lending institution’s decisions or processes.
• Repayment: Repayments must be made directly to the lending institution as per their terms. Finnbee does not handle loan repayments.

2.2 Credit Cards

• Availability: Credit card offerings are currently under development and will be available soon. Specific terms will be provided upon launch.
• Application: Finnbee will assist in selecting credit cards based on your preferences and eligibility. Final approval rests with the issuing bank.
• Usage: You are responsible for adhering to the credit card issuer’s terms, including timely payments and usage limits.

2.3 Corporate Fixed Deposits

• Empanelment: Fixed deposit offerings are in the process of being empaneled with reputed corporates. Specific terms will be shared upon availability.
• Risk Disclosure: Fixed deposits carry risks, including credit risk of the issuing corporate. Finnbee does not guarantee returns or principal repayment.
• Investment Process: Finnbee will facilitate documentation and coordination with empaneled corporates. You agree to review the terms and risks of each fixed deposit before investing.

2.4 Mutual Funds

• ARN Registration: Finnbee is in the process of obtaining its AMFI (Association of Mutual Funds in India) Registration Number (Corporate ARN). Mutual fund distribution will commence upon approval.
• Investment Options: We will offer access to equity, debt, and hybrid mutual funds through partnerships with leading asset management companies (AMCs).
• Risk Disclosure: Mutual fund investments are subject to market risks. Finnbee does not guarantee returns and advises you to read the scheme-related documents carefully.
• Customer Responsibilities: You agree to provide necessary KYC documents and comply with AMC requirements. Finnbee will assist in the application process but is not responsible for AMC decisions.

2.5 Bonds

• Distribution Partnerships: Bond offerings are under development. Terms will be provided once partnerships with issuers are established.
• Risk Disclosure: Bonds carry risks, including interest rate risk and credit risk. Finnbee will provide relevant disclosures, but you are responsible for assessing suitability.
• Investment Process: Finnbee will coordinate with issuers to facilitate bond investments. Final terms, including coupon rates and maturity, are set by the issuer.

3. Service Process and Responsibilities

3.1 Personalized Assistance

• Finnbee provides personalized guidance through our team, including explaining product features, eligibility criteria, and application processes.
• We do not charge customers directly for our services but may receive commissions or fees from partner institutions, which will be disclosed as required.

3.2 Documentation

• You must provide accurate and complete documentation as required by Finnbee or our partner institutions.
• Finnbee is not responsible for delays or rejections due to incomplete or inaccurate documentation.

3.3 Third-Party Coordination

• Finnbee acts as an intermediary and does not control the decisions, processes, or timelines of partner financial institutions or AMCs.
• We will make reasonable efforts to ensure smooth coordination but are not liable for third-party actions or delays.

4. Privacy and Data Protection

• Data Collection: We collect personal and financial information to facilitate applications and provide services. This includes name, contact details, income details, and KYC documents.
• Data Usage: Your information is shared with partner institutions solely for processing applications. We adhere to applicable data protection laws, including the Information Technology Act, 2000.
• Data Security: Finnbee employs reasonable measures to protect your data but is not liable for breaches beyond our control (e.g., third-party system failures).

5. Limitation of Liability

• Finnbee is not liable for any losses, damages, or disputes arising from the use of financial products offered by our partners.
• We do not guarantee the performance, approval, or suitability of any financial product. You are responsible for assessing risks and suitability.

6. Termination of Services

• Finnbee reserves the right to terminate or suspend services if you violate these Terms and Conditions or provide false information.
• You may discontinue using our services at any time by notifying us in writing.

7. Governing Law and Dispute Resolution

• These Terms and Conditions are governed by the laws of India.
• Any disputes shall be resolved through mutual discussion. If unresolved, disputes will be subject to the exclusive jurisdiction of courts in Chennai, India.

8. Contact Information

For queries or complaints, contact us at: