These Terms and Conditions ("Terms") govern the use of the financial services, digital platform, website, mobile application, and related services provided by Nofino Rural Finance Private Limited ("Company", "we", "our", or "us"). By accessing or using our services, you agree to be bound by these Terms.
01 Company Information
Company Name: Nofino Rural Finance Private Limited
The Company provides technology-enabled financial support, consultancy, facilitation, documentation, payment collection, financial education, and other lawful financial support services in accordance with applicable laws.
The Company is not a Non-Banking Financial Company (NBFC) and does not accept public deposits. Any financial product or lending service facilitated through the platform shall be subject to applicable laws and, where applicable, may be provided by authorized financial institutions or lending partners.
02 Acceptance of Terms
By using our services, you confirm that:
- You are at least 18 years of age.
- You have the legal capacity to enter into binding agreements.
- All information submitted by you is true, complete, and accurate.
- You agree to comply with these Terms and all applicable laws.
03 Services
The Company may provide one or more of the following services:
Financial consultation
Loan documentation assistance
Loan application facilitation
Digital payment collection support
Financial literacy and advisory services
Customer support services
Account management support
Technology platform for financial services
Other lawful financial support services
Availability of services may vary by location and applicable regulations.
04 Customer Responsibilities
Customers agree to:
- Provide accurate information.
- Submit valid identity and address proof.
- Keep login credentials confidential.
- Update information whenever necessary.
- Use the services only for lawful purposes.
- Cooperate during verification processes.
05 Identity Verification
Required documents for verification:
Aadhaar
PAN Card
Voter ID
Passport
Driving Licence
Bank Account Details
Photograph
Address Proof
Other legally permissible documents
Failure to provide required documents may result in rejection or suspension of services.
06 Fees and Charges
- Certain services may attract processing fees, convenience charges, documentation fees, platform fees, or other service charges.
- All applicable charges will be disclosed before completion of the transaction.
- Applicable taxes shall be charged separately where required by law.
07 Payments
Payments may be made through:
UPI
Net Banking
Debit Card
Credit Card
Bank Transfer
Other approved payment methods
Payment confirmation may take time depending on the payment service provider.
08 No Guarantee
The Company does not guarantee:
- Approval of any loan or financial product.
- Availability of any financial service.
- Approval time.
- Interest rates offered by third-party institutions.
- Credit limits.
- Eligibility for any product.
Final approval rests solely with the respective financial institution or service provider, where applicable.
09 Customer Data
The Company may collect and process:
Personal information
Contact information
Financial information
Transaction details
Device information
Usage information
Such information shall be processed in accordance with the Company's Privacy Policy and applicable laws.
10 Privacy
Customer information shall be handled securely.
The Company may share information only:
- With customer consent;
- Where required by law;
- For fraud prevention;
- For service delivery through authorized service providers;
- For compliance with regulatory requirements.
11 Prohibited Activities
Users shall not:
- Provide false information.
- Use forged documents.
- Commit fraud.
- Attempt unauthorized system access.
- Misuse the platform.
- Upload malicious software.
- Engage in money laundering or illegal activities.
Violation may result in suspension of services and legal action.
12 Intellectual Property
All logos, software, trademarks, graphics, documents, website content, mobile application content, and branding remain the exclusive property of Nofino Rural Finance Private Limited.
Unauthorized copying or reproduction is prohibited.
13 Service Availability
- Services are provided on an "as available" basis.
- The Company may suspend, modify, update, or discontinue any service without prior notice where necessary.
14 Limitation of Liability
To the maximum extent permitted by law, the Company shall not be liable for:
- Indirect losses;
- Consequential damages;
- Loss of profits;
- Business interruption;
- Delay caused by banks, payment gateways, telecom operators, internet failures, or government actions;
- Decisions made by third-party financial institutions.
15 Third-Party Services
The platform may integrate with:
Banks
Payment gateways
Financial institutions
Verification agencies
Government portals
The Company is not responsible for services provided by third parties.
16 Fraud Prevention
The Company reserves the right to:
- Verify customer identity.
- Suspend suspicious transactions.
- Report fraudulent activities to competent authorities.
- Request additional documentation.
17 Communication
Customers consent to receive communications via:
SMS
Email
WhatsApp
Telephone
App Notifications
Website Notifications
18 Account Suspension
The Company may suspend or terminate services if:
- False information is provided.
- Fraud is suspected.
- Terms are violated.
- Legal compliance requires such action.
19 Force Majeure
The Company shall not be liable for delays or failures caused by events beyond its reasonable control, including natural disasters, war, riots, cyberattacks, pandemics, government restrictions, or failures of communication networks.
20 Changes to Terms
- The Company reserves the right to amend these Terms at any time.
- Updated Terms shall become effective upon publication on the Company's website or application.
- Continued use of the services constitutes acceptance of the revised Terms.
21 Governing Law
- These Terms shall be governed by the laws of India.
- Any disputes shall be subject to the exclusive jurisdiction of the competent courts where the Company's registered office is situated, unless otherwise required by applicable law.
Customer Declaration
I have carefully read and understood these Terms and Conditions.
I agree to comply with all applicable provisions.
I confirm that all information and documents provided by me are true and correct.
