Terms and Conditions

1. Acceptance of Terms

By accessing or using Finbros products, software, services, and websites (collectively, the “Services”), including https://finbrosfinance.com/ (the “Website”), you expressly agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, you must not use the Services. Please read these Terms and our Privacy Policy carefully before proceeding. These documents form a legally binding agreement between you and Finbros Finance (“Finbros”, “we”, “us”, or “our”).

2. Business Activity of Finbros

Finbros operates as a facilitator and Lending Service Provider (LSP) that coordinates loans, credit cards, life/general insurance, and other financial products/services through its Website and digital platforms. We connect users with third-party banks, Non-Banking Financial Companies (NBFCs), insurers, and other regulated entities. All user data is collected, processed, and used solely for the purpose of providing, facilitating, and improving these services, in full compliance with the Reserve Bank of India (RBI) Digital Lending Directions, 2025, Digital Personal Data Protection Act, 2023 (DPDP Act), Telecom Regulatory Authority of India (TRAI) regulations including Telecom Commercial Communications Customer Preference Regulations (TCCCPR) 2018 as amended, and all other applicable laws.

3. Proprietary Rights

Finbros is the sole and absolute owner of all rights, title, and interest in the Services, including all intellectual property rights (registered or unregistered). You agree not to copy, reproduce, modify, distribute, transmit, display, perform, publish, license, create derivative works from, or disclose any confidential or proprietary information contained in the Services without our prior written consent.

4. Usage of the Website

• The Services are intended for your personal, non-commercial use only.
• You must be at least 18 years of age and legally capable of entering into binding contracts to register and use the Services.
• You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• You may use the Website solely to search for and submit genuine applications for loans, credit cards, insurance, and other financial products.
• You agree not to submit fraudulent, misleading, or unlawful applications or use the Services for any illegal purpose.
• Consent for Communications (Calls, SMS, IVR, WhatsApp): By registering, submitting an application, or providing your contact details, you give explicit, free, specific, informed, unconditional, and unambiguous consent (with clear affirmative action) to Finbros, its affiliates, and its lending/insurance partners (banks, NBFCs, insurers) to contact you via phone calls, SMS, IVR systems, WhatsApp Business API, email, or other electronic means. This includes service delivery, product offers, eligibility assessments, promotions, reminders, updates, and feedback collection.
  • This consent explicitly overrides any existing Do Not Disturb (DND), Do Not Call (DNC), or National Customer Preference Register (NCPR) registrations under TRAI regulations.
  • Consent is recorded and stored as proof on the Distributed Ledger Technology (DLT) platform in compliance with TRAI TCCCPR requirements.
  • Consent remains valid for 180 days from the date of submission or until you explicitly withdraw it.
• Call, IVR, and WhatsApp Recording: Calls, IVR interactions, and WhatsApp conversations may be recorded for quality assurance, training, compliance verification, dispute resolution, and regulatory purposes. A notice is provided at the beginning of such interactions (e.g., “This call may be recorded for quality and training purposes”). Your continued participation constitutes implied consent under applicable laws (TRAI, DPDP Act, RBI guidelines). Recordings are used only for legitimate purposes and retained only as long as necessary.
• Finbros reserves the right to suspend, terminate, or restrict your access to the Services at any time, without notice or liability.

5. Our Partners / Third Parties

All financial products offered through the Website are provided by independent third-party institutions. Inclusion does not constitute endorsement, recommendation, guarantee, or warranty by Finbros. We are not responsible for the accuracy, completeness, timeliness, acts, omissions, representations, warranties, or negligence of any third party. Your dealings and interactions with third parties are at your own risk.

6. Disclaimer of Warranties

The Services and all content are provided on an “AS IS” and “AS AVAILABLE” basis. Finbros expressly disclaims all warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, security, non-infringement, and timeliness.

7. Limitation of Liability

To the maximum extent permitted by law, Finbros, its officers, directors, employees, affiliates, and providers shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, savings, data, or any other losses, whether arising from use or inability to use the Services, even if Finbros has been advised of the possibility of such damages.

8. Additional Terms

9. Regulatory Compliance and Data Practices

Finbros is fully committed to compliance with:

• RBI Digital Lending Directions, 2025 — Purpose-specific and minimal data collection, explicit granular consent, no unnecessary mobile resource access (except one-time KYC with consent), data localization in India (or deletion within 24 hours if processed abroad), borrower rights to deny/revoke consent or request deletion.
• DPDP Act, 2023 — Consent must be free, specific, informed, unconditional, unambiguous with clear affirmative action; rights to withdraw consent, access, correct, or erase data; partner sharing only under valid contract and with explicit consent.
• TRAI & DLT Compliance — Registered as Principal Entity on DLT platform; headers and message templates registered; consent recorded on DLT; no unsolicited commercial communications; explicit opt-in overrides DND.
• KYC and Device Permissions — One-time explicit consent only for camera, microphone, location, etc., strictly for KYC/onboarding. No access whatsoever to call logs, contacts, files, media, telephony functions, or any other sensitive device data.
• Credit Bureau / CIC / CKYC / Lender / Partner Sharing — By applying, you grant explicit consent for Finbros to share your information with Credit Information Companies (CICs), credit bureaus, Central KYC Registry (CKYC), banks, NBFCs, and partners for credit checks, bureau pulls, eligibility assessment, application processing, sanctioning, and product fulfillment. Sharing is purpose-limited and governed by valid contracts per DPDP Act.
• Fraud Prevention — Finbros does not charge any fees for its services. Report any suspicious communication claiming to be from Finbros to care@finbros.com.

10. Feedback

Any feedback, ideas, suggestions, or testimonials you submit become the exclusive property of Finbros. You grant us permission to use your name, designation, and company for promotional purposes (without submitting confidential information).