TERMS OF USE

FMEC International Financial Services Ltd.

Website: https://www.fmecinternational.com/

1. INTRODUCTION

These Terms of Use (“Terms”) govern your access to and use of the website https://www.fmecinternational.com/ (“Website”), which is owned and operated by FMEC International Financial Services Ltd. (“Company”, “FMEC”, “we”, “our”, or “us”).

By accessing, browsing or using this Website, you acknowledge that you have read, understood and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with these Terms, you should not access or use the Website.

For the purposes of these Terms, “You” or “User” means any person who visits, accesses, browses or uses the Website.

The Company provides digital retail lending solutions, including Personal Loans and Business Loans, through the Website. The availability of any loan product or service is subject to the Company's internal credit policies, eligibility criteria, verification procedures and approval process.

All products and services offered through the Website are governed by the applicable laws of India and the guidelines, directions and regulations issued by the Reserve Bank of India (RBI) and other applicable regulatory authorities, as amended from time to time.

Website Usage

The Company grants you a limited, non-exclusive, non-transferable and revocable right to access and use the Website solely for lawful purposes.

You shall not, without the prior written consent of the Company:

Copy or reproduce any Website content.
Modify or alter Website content.
Distribute, publish or transmit Website content.
Commercially exploit Website content.
Misuse any information, functionality or service available on the Website.

You agree not to use the Website for any unlawful, fraudulent or unauthorized purpose or in any manner that may interfere with the security, integrity or functionality of the Website.

All content, trademarks, logos, software, graphics, designs, text and other intellectual property displayed on the Website are the exclusive property of FMEC International Financial Services Ltd. or its respective licensors and are protected under applicable intellectual property laws.

The Company reserves the right to suspend, restrict or terminate access to the Website or any part thereof at its sole discretion and without prior notice in the event of a breach of these Terms or where such action is required under applicable law.

2. ELIGIBILITY

You represent and warrant that you are competent and legally eligible to enter into a binding agreement under the applicable laws of India.

You shall not access or use the Website or avail any of the Company's services if you are not legally competent to enter into a binding contract.

By accessing the Website or availing any of the Company's products or services, you represent and warrant that:

You are an Indian resident, where such residency is required for the relevant product or service.
You are legally competent to enter into a binding agreement.
You are eligible to avail the products and services offered by the Company.
The information provided by you is true, complete and accurate.
You satisfy the Company's applicable eligibility and credit assessment requirements.

The Company reserves the right to provide its services only to users who:

a) Are legally competent to enter into a binding contract;

b) Have provided true, complete and accurate information; and

c) Meet the Company's internal eligibility and credit assessment criteria, as determined from time to time.

The Company reserves the right to modify its internal eligibility, credit and risk assessment policies at its discretion, subject to applicable law and regulatory requirements.

The Company may reject, suspend or discontinue any application or service request without assigning any reason, where permitted under applicable law.

The Company may refuse or discontinue providing services if any information or document submitted by the User is found to be:

False.
Inaccurate.
Misleading.
Incomplete.
Fraudulent.

The Company may also request additional information, documents or verification at any stage where required for compliance with applicable laws, regulatory requirements, fraud prevention measures or internal policies.

3. SERVICE PROVIDERS

The Company may engage third-party service providers, agents, vendors or business partners to facilitate and support its services.

Such third parties may provide services including:

Customer verification.
Identity verification.
Payment processing.
Technology support.
Data processing.
Analytics.
Communication services.
Customer support.
Fraud prevention.
Other operational and support activities.

Such third parties may have access to your personal information only to the extent reasonably necessary for providing the relevant services on behalf of the Company.

The Company expects such service providers and business partners to maintain appropriate confidentiality and security safeguards and to use or disclose information only for the purposes for which they have been engaged and as permitted under applicable law.

4. REPRESENTATIONS, WARRANTIES AND UNDERTAKING

The information and content available on the Website are provided solely for general informational purposes and do not constitute an offer, invitation or solicitation to avail any product or service in any jurisdiction other than India.

While the Company endeavors to keep the information available on the Website accurate and up to date, the Company makes no representation or warranty, express or implied, regarding the:

Accuracy.
Completeness.
Reliability.
Suitability.
Availability.
Timeliness.

of the Website or any content available through it.

The Company does not warrant that the Website will be uninterrupted, error-free or free from viruses, malware or other harmful components.

Information provided on the Website should not be construed as professional, legal, financial or investment advice.

Users are advised to exercise their own judgment and seek independent professional advice, wherever necessary, before relying on any information available on the Website.

The Company reserves the right to modify, update, suspend or remove any content available on the Website at any time without prior notice.

The Company may also remove any information or content that it believes is inconsistent with these Terms of Use or applicable law.

Credit Information and Verification

By applying for any product or service offered by the Company, you authorize the Company, to the extent permitted by applicable law, to obtain, verify and process your information, including credit-related information, from:

Banks.
Financial institutions.
Credit information companies.
Government or regulatory databases, where permitted.
Other authorized agencies or service providers.

Such information may be used for purposes including identity verification, credit assessment, fraud prevention, risk assessment and regulatory compliance.

Third-Party Websites

The Website may contain links to third-party websites or platforms for the convenience of users.

Such third-party websites are governed by their own terms of use, privacy policies and other applicable policies.

The Company does not endorse, control or assume responsibility for:

Content available on third-party websites.
Accuracy of information provided by third parties.
Availability of third-party websites.
Services provided by third parties.
Privacy or security practices of third parties.

Users are advised to review the applicable terms and privacy policies before using any third-party website or service.

Indemnification

To the extent permitted under applicable law, you agree to indemnify and hold harmless FMEC International Financial Services Ltd., its directors, officers, employees, affiliates and authorized representatives from and against any claims, losses, liabilities, damages, costs or expenses arising out of or relating to:

Your misuse of the Website.
Your breach of these Terms.
Your violation of applicable laws or regulations.
Submission of false, inaccurate or misleading information.
Unauthorized use of the Website.
Any act or omission by you in connection with your use of the Website.

5. COLLECTION OF INFORMATION AND EVIDENCE OF TRANSACTION WITH CUSTOMERS

During the course of availing the Company's services, you authorize FMEC International Financial Services Ltd. to verify your identity and collect, use, store and process your information in accordance with these Terms of Use, the Company's Privacy Policy and applicable laws and regulations.

The Company may obtain information from:

Banks.
Financial institutions.
Credit information companies.
Authorized service providers.
Other authorized third parties.

Such information may be obtained for purposes including:

Identity verification.
Credit assessment.
Fraud prevention.
Risk assessment.
Regulatory compliance.
Processing of applications.
Servicing of loans.
Management of the customer relationship.

You may be required to provide additional information or documents to verify your identity, eligibility or application details.

If the Company is unable to verify the information provided by you, it reserves the right to reject, suspend or discontinue your application or access to its services, subject to applicable law.

Consent to Collection and Processing of Information

You consent to the collection, use, storage and sharing of your information with authorized third parties, where necessary for:

Processing your application.
Providing requested services.
Credit assessment.
Identity verification.
Fraud prevention.
Regulatory and legal compliance.
Customer servicing.
Managing your relationship with the Company.

Such activities shall be undertaken in accordance with the Company's Privacy Policy and applicable laws and regulations.

You represent and warrant that all information and documents provided by you are true, accurate, complete and up to date.

You agree to promptly notify the Company of any material change in the information previously provided by you.

Device, Location and Technical Information

Where applicable and with your consent, the Company may collect device, location and other technical information required for purposes including:

Identity verification.
Fraud prevention.
Risk assessment.
Security.
Service delivery.
Regulatory compliance.

Such information shall be collected and processed in accordance with applicable laws and the Company's Privacy Policy.

Electronic Records

The Company's electronic records, including records relating to:

Applications.
Communications.
Transactions.
Payments.
Customer interactions.
Other activities maintained within its systems.

shall, subject to applicable law, be treated as valid and reliable evidence of such transactions and activities.

Nothing in this provision shall restrict any rights available to the customer under applicable law.

6. LIMITATION OF LIABILITY

To the maximum extent permitted under applicable law, FMEC International Financial Services Ltd. shall not be liable for any direct, indirect, punitive, incidental, special or consequential damages, or any other damages, including without limitation damages arising from:

Loss of use.
Loss of data.
Loss of profits.
Business interruption.
Delay or interruption in Website availability.
Inability to access or use the Website.
Unauthorized access to or alteration of transmissions or data.
Use of or reliance upon third-party websites or services.
Statements or conduct of any third party.
Failure or delay in providing any Website functionality or service.
Cost of obtaining substitute facilities, products, data, information or services.

This limitation shall apply to damages arising out of or in connection with access to, use of or performance of the Website and its functions and features, whether based on contract, tort, negligence, strict liability or otherwise, to the extent permitted under applicable law.

Nothing contained in these Terms shall exclude or limit liability that cannot lawfully be excluded or limited under applicable law.

7. RIGHT OF REVISION / MODIFICATION

The Company reserves the right to amend, modify, revise or update these Terms of Use at any time.

Any changes shall become effective upon publication of the revised Terms on the Website, unless otherwise specified.

Your continued access to or use of the Website following the publication of revised Terms shall constitute your acknowledgment and acceptance of the revised Terms, to the extent permitted under applicable law.

Users are encouraged to periodically review these Terms to remain informed about any changes.

Privacy Policy

If you provide any personal information through the Website, you are advised to read the Company's Privacy Policy, which forms an integral part of these Terms of Use.

The Privacy Policy explains how the Company may collect, use, store, process and protect personal information in connection with its services.

8. GOVERNING LAW AND JURISDICTION

These Terms of Use and, by extension, the Company's Privacy Policy, shall be governed by and construed in accordance with the laws of India.

By accessing or using the Website, you irrevocably consent, to the extent permitted under applicable law, to the jurisdiction of the competent courts having jurisdiction over the registered office of the Company in respect of disputes arising out of or relating to your access to or use of the Website.

Nothing in these Terms shall restrict any rights or remedies available to customers under applicable laws or regulatory frameworks.

IMPORTANT NOTICE

By accessing or using the FMEC International Financial Services Ltd. Website, you acknowledge that you have read and understood these Terms of Use and agree to comply with the terms, conditions and requirements contained herein.

If you do not agree with any provision of these Terms, you should discontinue your access to and use of the Website.

Website: https://www.fmecinternational.com/

FMEC International Financial Services Ltd.

Registered Office:
908, Mercantile House,
Kasturba Gandhi Marg,
New Delhi - 110001, India.