Last Updated: January 15, 2025
By accessing or using FiClear's loan eligibility checking platform and services ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service. These Terms constitute a legally binding agreement between you and FiClear.
FiClear provides:
To use our Service, you must:
5.1. FiClear acts as an intermediary between you and lending institutions. We do not provide loans directly.
5.2. Eligibility results shown on our platform are indicative and based on general bank policies. Final loan approval is at the sole discretion of the lending institution.
5.3. We do not guarantee loan approval or specific terms from any bank or NBFC.
5.4. You authorize us to share your information with partner banks and financial consultants for loan processing purposes.
5.5. You may be required to provide additional documents and undergo verification procedures as required by lending institutions.
6.1. FiClear's eligibility checking service is currently provided free of charge to end users.
6.2. We may earn commission from banks and financial institutions when loans are successfully disbursed.
6.3. Any fees charged by banks or NBFCs for loan processing, documentation, or other services are separate and not controlled by FiClear.
6.4. We reserve the right to introduce charges for premium features in the future, with prior notice to users.
All content, features, and functionality on the FiClear platform are owned by FiClear and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
8.1. FiClear provides the Service on an "as is" and "as available" basis without warranties of any kind.
8.2. We do not guarantee uninterrupted, timely, secure, or error-free service.
8.3. We are not liable for any decisions made by lending institutions regarding loan applications.
8.4. To the maximum extent permitted by law, FiClear shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.
8.5. Our total liability for any claims related to the Service shall not exceed the amount you paid to us (if any) in the 12 months prior to the claim.
You agree to indemnify, defend, and hold harmless FiClear, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your infringement of any rights of another party.
10.1. We may terminate or suspend your account and access to the Service immediately, without prior notice, if you breach these Terms.
10.2. You may terminate your account at any time by contacting us.
10.3. Upon termination, your right to use the Service will immediately cease, but certain provisions of these Terms will survive termination.
11.1. These Terms shall be governed by and construed in accordance with the laws of India.
11.2. Any disputes arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts located in [Your City], India.
11.3. Before initiating legal proceedings, parties agree to attempt to resolve disputes through good faith negotiations.
We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page with an updated "Last Updated" date. Your continued use of the Service after such changes constitutes your acceptance of the new Terms.
If you have any questions about these Terms of Service, please contact us:
Email: legal@ficlear.in
Phone: +91 123 456 7890
Website: www.ficlear.in