Disclaimer

Last Updated: January 15, 2025

Important Notice

Please read this disclaimer carefully before using FiClear's services. By accessing or using our platform, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.

1. General Disclaimer

The information provided on the FiClear platform is for general informational purposes only. While we strive to keep the information accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the platform.

Any reliance you place on such information is strictly at your own risk. In no event will FiClear be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this platform.

2. Not a Financial Institution

FiClear is NOT:

  • A bank or non-banking financial company (NBFC)
  • A lender or loan provider
  • A registered financial advisor
  • A credit bureau or credit rating agency

We are an intermediary platform that helps users check their loan eligibility and connects them with banks, NBFCs, and financial consultants. We do not directly provide loans or financial products.

3. Eligibility Results and Recommendations

Indicative Information Only

All eligibility results, loan recommendations, and policy information displayed on our platform are indicative and based on general bank policies and our proprietary algorithms. They are NOT guarantees of loan approval.

The following factors may affect actual eligibility:

  • Individual credit profile and history
  • Bank's internal credit policies and risk assessment
  • Current market conditions and regulatory changes
  • Verification of documents and information provided
  • Bank-specific exceptions and discretionary approvals
  • Changes in bank policies after information was last updated

4. No Guarantee of Loan Approval

FiClear does NOT guarantee:

  • Approval of any loan application
  • Specific interest rates or loan terms
  • Loan amounts shown in eligibility results
  • Processing timelines or disbursement dates
  • That any particular bank will process your application

Final loan approval decisions rest entirely with the lending institutions and are subject to their internal credit policies, risk assessment, and verification procedures.

5. Third-Party Services and Links

Our platform may contain links to third-party websites, banks, NBFCs, and other financial service providers. FiClear has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

When you engage with banks, NBFCs, or financial consultants through our platform, you will be subject to their respective terms and conditions, privacy policies, and service agreements. We recommend reviewing these documents carefully before proceeding.

FiClear is not responsible for any loss or damage arising from your interactions with third-party service providers, even if connected through our platform.

6. Accuracy of Information

While we make every effort to keep bank policies, interest rates, and eligibility criteria up-to-date, financial institutions frequently update their policies and offerings. There may be delays in reflecting these changes on our platform.

Users are advised to:

  • Verify all information directly with the concerned bank or NBFC
  • Read loan documents and agreements carefully before signing
  • Consult with qualified financial advisors for personalized advice
  • Not solely rely on information provided on our platform for financial decisions

7. User Responsibility

It is your responsibility to:

  • Provide accurate and truthful information in all forms and applications
  • Understand the terms and conditions of any loan before accepting
  • Assess your own financial situation and ability to repay loans
  • Verify all information independently before making financial commitments
  • Protect your personal and financial information
  • Comply with all applicable laws and regulations

8. Not Professional Financial Advice

The information and services provided on FiClear are not intended to be, and should not be construed as, professional financial, legal, or tax advice. You should consult with qualified professionals regarding your specific circumstances before making any financial decisions. We strongly recommend seeking independent professional advice tailored to your individual situation.

9. Bank Policy Changes

Banks and NBFCs reserve the right to change their loan policies, eligibility criteria, interest rates, and terms at any time without prior notice. Such changes may affect loan applications that are in process. FiClear is not responsible for any changes made by lending institutions and their impact on your loan application or eligibility status.

10. Limitation of Liability

To the fullest extent permitted by applicable law, FiClear shall not be liable for any:

  • Errors, omissions, or inaccuracies in information provided
  • Loan rejections or unfavorable terms offered by lenders
  • Direct, indirect, incidental, special, or consequential damages
  • Loss of profits, revenue, data, or business opportunities
  • Actions or omissions of third-party lenders or consultants
  • Unauthorized access to or use of your information
  • Interruption or cessation of our services

11. Governing Law

This disclaimer shall be governed by and construed in accordance with the laws of India. Any disputes arising from or related to this disclaimer shall be subject to the exclusive jurisdiction of the courts of India.

12. Questions About This Disclaimer

If you have any questions or concerns about this disclaimer, please contact us: