FINTECH INDIA SERVICES

Guiding You Towards Financial Confidence

LEGAL DOCUMENTATION PACKAGE

Version: 1.0

Effective Date: 07 June 2026

Website: https://fintechindiaservices.info/

Governing Jurisdiction: India — Applicable Indian Laws & Regulations

Languages: English

This document has been prepared in compliance with the Information Technology Act, 2000; Digital Personal Data Protection Act, 2023; Consumer Protection Act, 2019; and all applicable RBI, IRDAI, and other Indian regulatory guidelines.

Terms of Use

FINTECH INDIA SERVICES

Effective Date: 07 June 2026

Website: https://fintechindiaservices.info/

Governing Law: Information Technology Act, 2000 | Indian Contract Act, 1872

1. Introduction and Acceptance

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User") and FINTECH INDIA SERVICES ("Company", "we", "us", "our"), a financial services advisory firm registered and operating in India. By accessing or using our website (https://fintechindiaservices.info/), mobile application, or any related services (collectively, "Platform"), you agree to be bound by these Terms in accordance with the Information Technology Act, 2000 and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.

If you do not agree to these Terms, you must immediately cease use of the Platform.

2. Eligibility

To use our Platform, you must:

• Be at least 18 years of age;

• Be a citizen or resident of India or legally permitted to access financial services in India;

• Have the legal capacity to enter into a binding contract under the Indian Contract Act, 1872;

• Not be barred from receiving financial advisory services under any applicable Indian law or regulation;

• Provide accurate, complete, and current information as required by us.

3. Nature of Services

FINTECH INDIA SERVICES is a financial advisory and facilitation firm. We assist individuals and businesses in:

• Identifying and applying for personal loans, business loans, and home loans through partner banks and NBFCs;

• Understanding and selecting health insurance and term insurance plans from licensed insurers;

• Managing documentation, eligibility checks, and application processes on behalf of clients;

• Providing general financial guidance and educational content.

We are not a bank, NBFC, or insurance company. We do not directly lend money or underwrite insurance policies. Loan and insurance approvals are solely at the discretion of the respective lenders and insurers. We facilitate and guide — final decisions rest with partner institutions.

4. Regulatory Compliance

Our services are subject to applicable Indian laws, including but not limited to:

• The Reserve Bank of India Act, 1934 and RBI guidelines on digital lending and financial intermediaries;

• The Insurance Regulatory and Development Authority of India (IRDAI) regulations, 2016;

• The Information Technology Act, 2000 and IT (Amendment) Act, 2008;

• The Consumer Protection Act, 2019 and Consumer Protection (E-Commerce) Rules, 2020;

• The Prevention of Money Laundering Act, 2002 (PMLA) and PMLA Rules, 2005;

• Any other applicable central or state legislation as may be in force from time to time.

We are committed to full regulatory compliance and hold all necessary permissions to operate as a financial services intermediary.

5. User Obligations

As a user of our Platform, you agree to:

• Provide truthful, accurate, and complete information during registration and loan/insurance applications;

• Not misrepresent your income, employment, assets, liabilities, or any other financial information;

• Not use the Platform for any fraudulent, unlawful, or deceptive purposes;

• Not attempt to gain unauthorized access to any part of the Platform or systems connected to it;

• Not engage in any activity that may disrupt, overburden, or impair the Platform;

• Promptly update us of any changes to your personal or financial information;

• Comply with all applicable Indian laws when using our services.

Any breach of these obligations may result in immediate termination of your access and may be reported to relevant authorities.

6. Intellectual Property

All content on this Platform — including but not limited to text, graphics, logos, icons, images, audio/video clips, data compilations, and software — is the exclusive property of FINTECH INDIA SERVICES or its content suppliers and is protected under the Copyright Act, 1957 (India) and applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, or commercially exploit any content without our prior written consent.

7. Third-Party Links and Partner Institutions

Our Platform may contain links to third-party websites, applications, or partner financial institutions. These links are provided for informational purposes only. We do not endorse or take responsibility for the content, accuracy, policies, or practices of any third-party websites.

Your interactions with partner banks, NBFCs, and insurance companies are governed by their respective terms and conditions, and we bear no liability for their acts or omissions.

8. Limitation of Liability

To the maximum extent permitted under applicable Indian law, FINTECH INDIA SERVICES, its officers, directors, employees, agents, and affiliates shall not be liable for:

• Any direct, indirect, incidental, special, or consequential loss arising from your use of the Platform;

• Loan rejections, insurance claim denials, or other decisions made by partner institutions;

• Loss of data, business, revenue, or profits resulting from your reliance on information provided on the Platform;

• Technical errors, downtime, data breaches by third parties, or interruptions to the Platform;

• Any inaccuracies in information provided in good faith based on data supplied by you.

Nothing in these Terms shall limit liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded under Indian law.

9. Indemnification

You agree to indemnify, defend, and hold harmless FINTECH INDIA SERVICES and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including legal fees) arising out of: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any applicable laws; or (d) false or inaccurate information provided by you.

10. Modifications to Terms

We reserve the right to amend these Terms at any time. Updated Terms will be posted on the Platform with a revised effective date. Continued use of the Platform after such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

11. Termination

We reserve the right, at our sole discretion, to suspend or terminate your access to the Platform at any time, with or without notice, for any breach of these Terms or applicable laws. Upon termination, all licenses granted to you shall immediately cease.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Chennai, Tamil Nadu.

In the event of a dispute, the parties agree to first attempt resolution through good-faith negotiation. If unresolved within 30 days, the dispute may be referred to arbitration under the Arbitration and Conciliation Act, 1996, with a sole arbitrator mutually agreed upon, seated in Chennai.

13. Grievance Redressal

In accordance with the IT Act and Consumer Protection Act, 2019, if you have any complaints or concerns, you may contact our designated Grievance Officer:

Grievance Officer: Vivanth Eswar, CEO

Email: [email protected]

Website: https://fintechindiaservices.info/contact

Response Time: We endeavour to acknowledge all grievances within 48 hours and resolve them within 15 working days as required under applicable law.

14. Miscellaneous

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Our failure to enforce any provision shall not constitute a waiver of that provision. These Terms constitute the entire agreement between you and us with respect to your use of the Platform.

Privacy Policy

FINTECH INDIA SERVICES

Effective Date: 07 June 2025

Website: https://fintechindiaservices.info/

Governing Framework: IT Act 2000 | DPDP Act 2023 | RBI KYC Norms

1. Introduction

FINTECH INDIA SERVICES ("we", "us", "our") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, store, disclose, and protect your personal information when you use our website (https://fintechindiaservices.info/) and our financial services, in compliance with:

• The Information Technology Act, 2000 and the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011;

• The Digital Personal Data Protection Act, 2023 (DPDP Act);

• The RBI Know Your Customer (KYC) Master Direction, 2016 (as updated);

• Any other applicable Indian data protection laws and regulations.

Please read this Policy carefully. By using our Platform, you consent to the collection and use of your data as described herein.

2. Data Fiduciary and Contact

Under the DPDP Act, 2023, FINTECH INDIA SERVICES is the Data Fiduciary responsible for your personal data. For all privacy-related inquiries or requests:

Data Protection Officer: Vivanth Eswar, CEO

Email: [email protected]

Website: https://fintechindiaservices.info/contact

3. Information We Collect

3.1 Personal Identification Information

• Full name, date of birth, gender, photograph;

• PAN (Permanent Account Number), Aadhaar number (as required by applicable law and RBI KYC norms);

• Passport, Voter ID, or other government-issued identity documents;

• Contact details: mobile number, email address, residential and permanent address.

3.2 Financial Information

• Income details, employment information, and employer name;

• Bank account details, bank statements, credit score and credit history;

• Existing loan obligations, EMI details, and outstanding liabilities;

• Business financial statements (for business loan applications);

• Property documents (for home loan applications).

3.3 Technical and Usage Data

• IP address, browser type, operating system, device identifiers;

• Pages viewed, time spent, clickstream data;

• Cookies and similar tracking technologies (see Section 9 on Cookies).

3.4 Communication Data

• Queries, feedback, and correspondence submitted via our contact forms, email, or phone;

• Records of our interactions for service improvement and compliance purposes.

4. Purpose and Legal Basis for Processing

We collect and process your personal data for the following purposes:

• To verify your identity and assess eligibility for financial products (KYC compliance under RBI guidelines);

• To process and facilitate loan applications with partner banks, NBFCs, and insurers;

• To provide personalised financial advisory services and product recommendations;

• To communicate with you about your application, services, and important updates;

• To comply with legal and regulatory obligations under Indian law, including anti-money laundering requirements;

• To improve our Platform, services, and user experience through analytics;

• To send service-related communications and, with your consent, promotional information.

Under the DPDP Act, 2023, processing is carried out on the basis of your free, specific, informed, and unambiguous consent, as well as in furtherance of legitimate interests and legal obligations.

5. Sharing and Disclosure of Personal Data

We do not sell, trade, or rent your personal data to third parties. We may share your information with:

• Partner banks, NBFCs, and insurance companies to process your loan or insurance application;

• Credit information companies (e.g., CIBIL, Experian) for credit assessment purposes;

• KYC Registration Agencies (KRAs) as required under SEBI/RBI norms;

• Government authorities, regulators (RBI, IRDAI, SEBI, FIU-IND), or law enforcement agencies when required by law;

• Service providers (technology partners, cloud services, analytics providers) who process data on our behalf under strict data processing agreements;

• Legal and professional advisors under obligations of confidentiality.

All third parties with whom we share data are contractually required to maintain appropriate data security standards.

6. Data Retention

We retain your personal data only as long as necessary for the purposes outlined in this Policy or as required by applicable Indian laws and regulations:

• KYC documents and financial data: minimum 5 years from the last transaction, as per PMLA requirements;

• Loan application data: as required by the partner institution and applicable RBI guidelines;

• Communication records: 3 years for service improvement and dispute resolution;

• Website usage data: 12 months unless required longer for legal purposes.

After the applicable retention period, data is securely deleted or anonymised.

7. Your Rights as a Data Principal

Under the Digital Personal Data Protection Act, 2023, you have the following rights:

• Right to Access: Obtain confirmation of and access to your personal data processed by us;

• Right to Correction: Request correction of inaccurate or incomplete data;

• Right to Erasure: Request deletion of your data, subject to legal retention obligations;

• Right to Grievance Redressal: Lodge complaints with our Data Protection Officer or the Data Protection Board of India;

• Right to Nominate: Nominate another person to exercise rights on your behalf in the event of death or incapacity;

• Right to Withdraw Consent: Withdraw consent at any time; however, this may affect our ability to provide services to you.

To exercise any of these rights, please contact us at: [email protected]. We will respond within 30 days.

8. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction, in compliance with the IT (Reasonable Security Practices) Rules, 2011:

• SSL/TLS encryption for data in transit;

• AES-256 encryption for sensitive data at rest;

• Strict access controls and role-based permissions;

• Regular security audits and vulnerability assessments;

• Data minimisation and pseudonymisation practices where feasible.

In the event of a personal data breach that is likely to result in harm to your interests, we will notify you and the Data Protection Board of India as required under the DPDP Act, 2023.

9. Cookies Policy

Our Platform uses cookies and similar technologies to enhance your experience. Cookies help us understand user behaviour, remember preferences, and improve functionality.

• Essential Cookies: Required for the Platform to function — cannot be disabled;

• Analytics Cookies: Help us understand how users interact with the Platform (e.g., Google Analytics). You may opt out;

• Marketing Cookies: Used to deliver relevant information. We obtain your explicit consent before placing such cookies.

You can control cookie settings through your browser preferences. Please note that disabling certain cookies may affect the functionality of the Platform.

10. Children's Privacy

Our Platform and services are not directed at children under the age of 18. We do not knowingly collect personal data from minors. If we become aware that a minor has provided us with personal information, we will take immediate steps to delete such data. Parents or guardians who believe their child has submitted data to us should contact us immediately.

11. Cross-Border Data Transfers

Your personal data is primarily stored and processed within India. In cases where data is transferred to service providers outside India (such as cloud services), such transfers are governed by Standard Contractual Clauses and are subject to applicable Indian data protection requirements. We ensure that adequate safeguards are in place for any such transfers.

12. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will post the revised Policy on our Platform with an updated effective date. Where changes are material, we will notify you via email or a prominent notice on our Platform. Your continued use of the Platform after such changes constitutes acceptance of the updated Policy.

13. Contact and Grievance Redressal

For any privacy-related concerns, to exercise your rights, or to file a grievance, please contact our Data Protection Officer at [email protected]. You may also lodge a complaint with the Data Protection Board of India, as constituted under the DPDP Act, 2023, if you believe your rights have been violated.

Warranty Disclaimer

FINTECH INDIA SERVICES

Effective Date: 07 June 2025

Website: https://fintechindiaservices.info/

Governing Framework: Indian Contract Act 1872 | Consumer Protection Act 2019 | IT Act 2000

1. Nature of Services — No Guarantee of Outcome

FINTECH INDIA SERVICES provides financial advisory and intermediary services to assist individuals and businesses in accessing loans and insurance products. While we strive to provide accurate, complete, and helpful guidance, the nature of financial services involves inherent uncertainties that are beyond our control.

We explicitly clarify and you acknowledge that:

• FINTECH INDIA SERVICES does not guarantee loan approval, insurance underwriting, specific interest rates, repayment tenures, coverage amounts, or any particular financial outcome;

• All lending and insurance decisions are made solely by the respective partner banks, Non-Banking Financial Companies (NBFCs), or insurance companies, which are independent entities regulated by the Reserve Bank of India (RBI) and the Insurance Regulatory and Development Authority of India (IRDAI);

• The processing time, terms, conditions, and outcomes of applications may vary based on individual eligibility, lender/insurer policies, and market conditions.

2. Disclaimer of Warranties

To the fullest extent permissible under the Indian Contract Act, 1872, the Consumer Protection Act, 2019, and all other applicable Indian laws, FINTECH INDIA SERVICES hereby expressly disclaims all warranties, representations, and conditions, whether express, implied, statutory, or otherwise, including but not limited to:

• Any implied warranty of merchantability, fitness for a particular purpose, or non-infringement;

• Any warranty that the Platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components;

• Any warranty as to the accuracy, completeness, timeliness, or reliability of information provided on the Platform, including interest rate estimates, EMI calculators, and eligibility indicators;

• Any warranty that financial products recommended or facilitated by us will be suitable for your specific financial needs;

• Any warranty regarding the creditworthiness, reliability, or accuracy of information provided by third-party lenders or insurers.

3. Informational Content

The content on our Platform — including blog posts, financial tips, calculator tools, rate comparisons, and product descriptions — is provided for general informational and educational purposes only. It does not constitute:

• Legal, financial, tax, or investment advice;

• A solicitation, recommendation, or endorsement of any specific financial product;

• A binding quote, offer, or commitment by any lender or insurer.

Users are strongly advised to seek independent professional advice before making any financial decisions. We recommend consulting with a qualified financial advisor, chartered accountant, or legal counsel as appropriate.

4. Accuracy of Information and Calculations

While we make reasonable efforts to ensure that all information, calculators, EMI tools, and eligibility indicators on our Platform are accurate and up to date:

• Interest rates, processing fees, charges, and product features are subject to change by partner institutions without notice;

• EMI and eligibility calculators provide estimates only and should not be relied upon as definitive figures;

• Any discrepancy between information on our Platform and the actual terms offered by a lender or insurer shall be governed by the lender/insurer's official documentation.

We shall not be liable for any loss or damage arising from reliance on inaccurate or outdated information on the Platform.

5. Technology Platform Disclaimer

We make no warranty that the Platform will function without interruption or be accessible at all times. The Platform is provided on an 'as is' and 'as available' basis. We shall not be liable for:

• Any technical failures, server outages, maintenance windows, or inaccessibility;

• Any loss of data resulting from technical errors, cyberattacks, or system failures beyond our reasonable control;

• Any errors or inaccuracies resulting from third-party software, APIs, or integrations used on the Platform;

• Any malware, viruses, or harmful content transmitted through third-party links accessed via the Platform.

6. Third-Party Products and Services

Our facilitation of access to third-party financial products does not constitute an endorsement, warranty, or guarantee of such products. Any disputes arising from:

• Loan terms, disbursements, repayment conditions, or foreclosure charges set by lenders;

• Insurance claim settlement, policy exclusions, premium changes, or policy cancellations by insurers;

• Products or services offered by third-party websites linked from our Platform

…must be resolved directly with the respective third party. FINTECH INDIA SERVICES shall not be a party to such disputes and shall bear no liability in connection with them.

7. Consumer Rights Under Indian Law

Nothing in this Warranty Disclaimer is intended to exclude, restrict, or modify any rights available to consumers under:

• The Consumer Protection Act, 2019, including rights to fair trade practices, safety, information, and grievance redressal;

• The Consumer Protection (E-Commerce) Rules, 2020;

• Any other mandatory consumer protection provisions under Indian law.

We remain fully committed to consumer protection and fair business practices as required by Indian law. Any provisions of this disclaimer that conflict with your statutory rights under Indian consumer protection laws shall be deemed void to that extent.

8. Limitation of Warranty in Financial Services Context

Given the regulatory framework governing financial services in India, please note:

• Insurance products recommended are governed by the IRDAI (Protection of Policyholders' Interests) Regulations, 2017. Policy documents issued by the insurer take precedence;

• Loan products are subject to RBI regulations. Sanction letters and loan agreements issued by lenders are the binding documents;

• Credit scores and credit-related assessments provided by us are for indicative purposes only; the final assessment rests with the lender.

9. Force Majeure

FINTECH INDIA SERVICES shall not be liable for any failure or delay in performance resulting from events beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemics, acts of government or regulatory authorities, war, civil disturbance, cyberattacks, or failure of third-party service providers. In such circumstances, our obligations shall be suspended for the duration of the force majeure event.

10. Grievance Mechanism

If you have any complaint regarding our services or believe that any information provided to you was inaccurate or misleading, please reach out to us:

Grievance Officer: Vivanth Eswar, CEO

Email: [email protected]

Website: https://fintechindiaservices.info/contact

Response Time: 48 hours acknowledgement | 15 working days resolution (as per Consumer Protection Act, 2019 and IT Act, 2000)

You also have the right to escalate unresolved complaints to the Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019, or to the RBI/IRDAI Ombudsman, as applicable.