This Agreement establishes the terms and conditions that govern the access and use of the Website "www.flocred.com" and its Mobile Application (collectively referred to as the "Website"), which is owned and operated by Flocred Private Limited (hereinafter collectively referred to as the "Company"), which is incorporated under the laws of India and registered under the Companies Act, 1956.

This document/agreement is an electronic record under the Information Technology Act of 2000, generated by a computer system, and requires no physical or digital signatures. This material is produced in compliance with Rule 3 of the 2011 Information Technology (Intermediaries Guidelines), which requires due care while accessing or using this Website.

By accessing or registering on this Website, users (hereinafter referred to as "you" or "your") agree to be governed by the terms and conditions of these Terms of Use (TOU), the Legal Disclaimer, and the Privacy Policy, as provided elsewhere on the Website. You will be subject to the rules, guidelines, policies, terms, and conditions that apply to any Service provided by this Website, which will be deemed incorporated into and constituted part and parcel of this TOU.

Make sure to check back here on a regular basis to see the most recent version of the Terms of Service. We retain the right, at our sole discretion, to change or otherwise modify the TOU without prior notice, and your continuing access or use of this Website constitutes your acceptance of the updated or modified TOU.

READ THESE TERMS AND CONDITIONS CAREFULLY. YOUR ACCEPTANCE OF THE TERMS CONTAINED HEREIN CONSTITUTES THE AGREEMENT BETWEEN YOU AND COMPANY FOR THE PURPOSE DEFINED BELOW.

1. Description and Acceptance of Services

The Company hereby provides you with access to information principally on various financial products/services, including but not limited to loan facilities, credit card facilities, investment services such as savings accounts, fixed deposits, and mutual funds (the "Services"). The Website offers loans, credit card facilities, savings accounts, and fixed deposits, which are powered by Flocred Private Limited, while investment services related to mutual funds are powered by FLOCRED PRIVATE LIMITED's partner banks and mutual fund firms, as well as aggregators. Furthermore, in conjunction with your selection of the Services, the Company may provide third-party services such as credit check services, UIDAI's Adhaar-based authentication service, and any other services to retrieve and use your information through third-party sites (e.g., bank sites) ("ancillary services"). The aforementioned Services and auxiliary services are given on a commercially reasonable effort basis, and you agree that your involvement in availing the aforementioned services is solely voluntary and consent-based. 

Your continuing use of the Services and auxiliary services from time to time constitutes acceptance of the Terms, including any updates or modifications, and you will be bound by this Agreement until it is terminated as provided below.

You agree and authorize Company to share your information with its group companies and other third parties as needed for joint marketing purposes/offering various services/report generation, and/or to provide you with various value-added services, in association with the Services you have chosen or otherwise. You accept to receive communications via email, phone, and/or SMS from the Company or its third-party vendors/business partners regarding the Services/ancillary services updates, information/promotional emails, and/or product announcements.In this context, you agree and consent to receiving all communications at the cell number supplied, even if it is registered on the DND/NCPR list under TRAI laws. Furthermore, you authorize Company to share/disclose the information with any third-party service provider, affiliates, group companies, their authorized agents, or third-party service providers. 

The Company will preserve and utilize your information as needed to comply with our legal requirements, resolve disputes, and enforce our agreements for delivering Services and auxiliary services.

2. License and Website Access

You acknowledge and agree that the Company owns all legal right, title, and interest in and to the Services, including any intellectual property rights that exist in the Services (whether registered or not). You further acknowledge that the Services may contain information marked as secret by the Company, and that you will not release such information without the Company's prior written agreement. The Website's contents, including its "look and feel" (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software, and other material, are owned/licensed by/to Company and/or its third-party service providers/licensors and are duly protected by them under applicable copyright, trademark, and other laws. 

The Company offers you a limited license to access and use the Website, Services, and auxiliary services. This license does not permit the downloading or copying of any type of information for the benefit of another individual, vendor, or third party, or the creation of a derivative work from, modification, reverse engineering, reverse assembly, or any other attempt to discover any source code, or the sale, assignment, sublicense, grant of a security interest in, or other transfer of any right in the Services. Any unlawful use by you will result in the termination of the authorization or license granted to you.

By using the Website, you agree not to: (i) use this Website or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction, or any transaction in anticipation of demand; and (iii) access, monitor, or copy any content or information of this Website using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission.; (iv) violate the restrictions in any robot exclusion headers on this Website or bypass, restrict, or circumvent other measures employed to prevent or limit access to this Website; (v) take any action that, in our discretion, imposes an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of this Website (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or (vii) "frame", "mirror" or otherwise incorporate any part of this Website into any other website without our prior written authorization.

3. Privacy Policy

By using the Website, you agree to the use of your information as indicated in our Privacy Policy. This Privacy Policy describes how the Company handles your personal information when you visit the Website or use other auxiliary Services.

4. Your Registration/Account

In consideration of your use of the Website and registering with us, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of India or other applicable jurisdiction. You will only use the Website to make legitimate purchases for you or another person for whom you are legally authorized to act (and will inform such other persons about the TOU and/or Privacy Policy) that apply to the purchases.

You accept and acknowledge that you are solely responsible for the secrecy of your password, which, along with your Login ID (as applicable to the Service selected), allows you to access the Service. Your "Registration Information" consists of your Login ID and password, as well as any mobile number or other contact information that you give. You agree to be responsible for keeping your Login ID and password confidential, as well as restricting access to your computer. You agree to assume responsibility for all activities that take place using your account or password. Because of this, we strongly urge that you exit your account at the conclusion of each session. You agree to notify Company immediately of any unauthorized use of your account or any other breach of security. You also agree that Company will not be held liable for any unauthorized use or access unless it can be proven that the unauthorized use or access occurred solely for reasons directly attributable to Company.

You must provide true, accurate, current, and complete information about yourself, and you agree to promptly notify/update Company of any change in your Registration Information, keeping it up-to-date and accurate at all times, as it has a direct bearing on the provision of Services and ancillary services by or through Company. You promise not to misrepresent your identity and will not attempt to gain unauthorized access to the Website or use the Services. Additional terms and conditions will apply when you purchase the services you choose. Please read the following extra terms and conditions carefully. 

5. Customer Due Diligence requirements (CDD)

You agree and acknowledge that in order to conduct any financial transaction through the website, Our Company may conduct client/customer due diligence measures and seek mandatory information required for KYC purposes, which you are required to provide as a customer, while facilitating your loan/credit card/mutual fund requirements with banks/financial institutions in accordance with applicable PMLA laws and rules. Our Company may receive sufficient information to determine, to its satisfaction or that of the banks/financial institutions, the identity of each new customer, as well as the purpose and nature of the anticipated relationship between you and the bank/financial institution. You accept and understand that Our Company can conduct increased due diligence processes (including any paperwork). must complete its client due diligence responsibilities in accordance with the applicable PMLA Act and guidelines.

6. Eligibility

You declare and confirm that you are a resident of India, over the age of 18 (eighteen), and have the capacity to contract as stipulated by the Indian Contract Act, 1872, by using the Services provided herein.

7. Submitted Content

By sharing or uploading any content, including data and information, on the Website, you acknowledge that you are solely responsible for all content posted on the Website, and that the Company is not liable for any content you make public on or through the Website. Such content may be featured in the Service and related services solely at the discretion of the Company. Regarding such content you submit or make available on the Website, you grant Company a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such contentYou accept that you are solely responsible for the content that you upload. You are prohibited from posting or transmitting to or from this Website: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or service); and (iii) any material or content that infringes, misappropriates You are solely responsible for any damages resulting from any violation of the preceding prohibitions, or any other harm coming from your uploading of content to this

8. Third Party Links/Offers

This Website or third parties may provide links to other websites or resources. Because Company has no control over such sites and resources, you acknowledge and agree that Company is not responsible for the availability of such external sites or resources and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. Your interaction with any third party accessed through the Website is at your own risk, and Company will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

9. Disclaimer of Warranty

You expressly acknowledge and agree that your use of the Services, ancillary services, and all information, goods, other services, and other content (including that of third parties) featured on or accessible through the Website is entirely at your own risk. The Services and related services are offered "as is" and "as available" basis. The Company makes no express or implied representations, warranties, or guarantees about the accuracy, reliability, or completeness of the Website's content or services (whether or not sponsored by third-party service providers), and expressly disclaims any warranties of non-infringement or fitness for a particular purpose. 

Company and its service providers expressly disclaim all warranties, express or implied, with regard to the Services, ancillary services, and all information, products, services, and other content (including that of third parties) included in or accessible from the Services, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.Company and its service providers expressly disclaim all warranties, express or implied, with regard to the Services, ancillary services, and all information, products, services, and other content (including that of third parties) included in or accessible from the Services, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Company and its service providers make no warranty that (i) the services will meet your requirements; (ii) the services will be uninterrupted, timely, secure, or error-free; (iii) the results that may be obtained from the use of the services will be accurate or reliable; (iv) the quality of any products, services, information, or other material purchased or obtained by you through the services will meet your expectations; and (v) any errors in the technology will be corrected.

9.1 Product prices are described on our website and are referenced in these Terms. All prices, whether indicated or not, are quoted in Indian rupees. Prices, products, and services are provided by its business partners and are subject to change in accordance with Flocred's brand guidelines or other terms and conditions. In some situations, services and prices are offered by Flocred itself, and Flocred maintains the right to change the use and pricing of such services.You further agree that by initiating a transaction, you are entering into a legally binding and enforceable contract with Flocred's business partners to purchase the products or services using such payment facilities as may be permitted by applicable laws and accepted by the Website.+

9.2 The Website has no registration/membership or browsing fees. However, the Website reserves the right to change its fee policy at any time. In the event that the Website changes its services, it may impose new fees. All fees that the Website may charge will be communicated to users, and any changes will become effective immediately after they are posted on the Website. All such fees charged by the Website will be in Indian rupees. Your continued use of the Website shall be deemed acceptance of the amended terms and conditions.

9.3 The Website may enter arrangements with third-party payment gateway aggregators and financial institutions approved by the Reserve Bank of India for collection, refund, and remittance, as well as to facilitate payment between you, Flocred, and its business partners, as applicable. The Website shall initiate the remittance of the payments made by the You, and the date of completion of the transaction shall be after the products are delivered to the You or after the services are rendered to you, and such other additional time as may be agreed upon between the Website and its business partners.

9.4 While using any of the payment methods provided on the Website, the Website will not be responsible or assume any liability, whatever, for any loss or damage arising directly or indirectly to You due to:
1. Lack of authority for any transaction or
2. Any payment issues arising out of the transaction, or
3. Illegitimacy of payment methods (credit/debit card fraud, etc.) used by you;
4. Declined transaction for any other reason(s).

Regardless of what is stated herein, the Website has the right to conduct additional verification for security or other reasons if it is not pleased with the creditworthiness of you/your transaction.

9.5 The use of the Website's payment facilities does not make the Website liable or responsible for non-delivery, non-receipt, non-payment, damage, breach of representations and warranties, failure to provide after-sales or warranty services, or fraud in relation to the products or services listed on the Website. The Website shall not be liable for any damages, interests, or claims resulting from a transaction that is not processed.

9.6 You hereby agree to provide accurate information, such as credit or debit card information, when purchasing any services or products on or via the Website. You further promise that you will not use payment information or instruments that you do not legitimately hold. In addition to these Terms, the terms and conditions of the bank or other financial institution will apply to all users. The Website disclaims any obligation for any bank or financial institution's refusal to accept payment.

9.7 Flocred may, at its sole discretion, limit the number of transactions that an individual holding a financial instrument may utilize to pay for items or services. Furthermore, the Website maintains the right to refuse to conduct transactions that exceed such limit, as well as transactions from you that have incurred questionable charges and amounts.

9.8 Flocred is simply a facilitator for providing you with payment channels through automated online electronic payments (either itself or through its payment gateway service providers), cash on delivery, collection, and remittance facilities for the payment of products purchased by the User on the Website using the existing authorized banking infrastructure and credit card payment gateway networks (of either the Website or Service Providers).

9.9 Flocred will not be held accountable or liable for any failure or delay in delivering the products or services, including any damage or loss caused to you as a result of such delay. No products or services shall be delivered outside of India's territorial boundaries.

10. Limitation of Liability

You expressly understand and agree that Company (including its subsidiaries, affiliates, directors, officers, employees, representatives, and providers) shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, opportunity, goodwill, use, data, or other intangible losses, even if Company has been advised of the possibility of such damages, resulting (i) any failure or delay (including without limitation the use of or inability to use any component of the Website), or (ii) any use of the Website or content, or (iii) the performance or non-performance by us or any provider, even if we have been informed of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as a result of your access to the Website or your downloading of

If, despite the limitation above, Company is found liable for any proven and actual loss or damage that arises out of or in any way connected with any of the occurrences described above, then you agree that the liability of the Company shall be limited to, in the aggregate, any Service/transactional fees paid by you to the Company in connection with such transaction(s) on this Website, if applicable.

The Website may include links to other third-party websites. However, because Company has no control over such third-party websites, you understand and agree that under no circumstances shall Company be liable for your use of the services offered or provided by any third-party service provider.

11. Indemnity

You agree to indemnify and hold Company (and its affiliates, officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this TOU, your violation of any law or the rights of a third party, or your use of the Website.

12. Additional Terms and Conditions

The Company reserves the right to make changes to the Website, related policies and agreements, this TOU, and the Privacy Policy at any time as it deems fit and proper, including but not limited to complying with changes in law or regulation, correcting inaccuracies, omissions, errors, or ambiguities, reflecting changes in the process flow, scope, and nature of the Services and ancillary services, company reorganization, market practice, or customer requirements. If the Terms change, the Company will tell you via the Website or other means. Your continuing use of the Services and ancillary services indicates your acceptance of the changes and consent to be bound by the Terms, as amended. If you do not agree with the modifications, please terminate your usage of the services.

The Company reserves the right to discontinue or suspend the Services/ancillary services, temporarily or permanently, by providing reasonable notice and using best efforts, unless it is simply to change certain features/contents of the Services and/or Website or to maintain the Services' security and integrity. You agree that the Company shall not be liable to you in any way for any modification or discontinuation of the Services.

You undertake not to use the Services or auxiliary services for illicit purposes, or to transmit material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that violates the rights of others.

The company may, from time to time, announce certain offers with the intention of promoting its website and/or services/ancillary services (promotional offers). The Promotional Offer(s) will always be regulated by this TOU, as well as any other terms and restrictions that may be specified. If additional terms and conditions are imposed, they will solely apply to the related Promotional Offer and will take precedence over this TOU to the extent they conflict with these Terms. The Company reserves the right to withdraw, revoke, amend, extend, and suspend the Promotional Offer(s) and the terms governing them at its sole discretion.

13. General

If any of these conditions are deemed invalid, void, or unenforceable for any reason, the parties agree that the court should make every effort to give effect to the parties' intentions as reflected in the provision, and that the unenforceable condition shall be deemed severable and shall have no bearing on the validity and enforceability of any remaining condition. Headings are provided for reference only and do not limit the scope or extent of the section. This TOU and the relationship between you and the Company will be governed by the laws of India, regardless of any conflict of law rules. Any dispute, controversy, or claim arising out of or in relation to this Agreement, including a breach or termination thereof, shall be settled by a sole arbitrator mutually appointed by the Company and you in accordance with the provisions of the Arbitration and Conciliation Act of 1996, or amendments thereto. In the event that we are unable to reach an agreement on the sole arbitrator, we agree to appoint a panel of three arbitrators, one nominated by each of us, and the third appointed by the two arbitrators. Arbitration will take place in Delhi. The arbitral proceedings will be conducted in English, and any award(s) will be rendered in English. The Website/Mobile App expressly prohibits you from using any of its Services in any countries or jurisdictions that do not adhere to all of the provisions of these Terms. The website is intended particularly for visitors in India. In event of any disagreement, whether judicial or quasi-judicial, it shall be subject to the laws of India, with the courts in Delhi having exclusive authority. The Company's failure to act in response to a breach by you or others does not waive its right to act in response to subsequent or similar breaches. This TOU is the entire agreement between you and Company and governs your use of the Website, replacing any prior agreements between you and Company regarding the Website.

If you have questions, concerns, or suggestions regarding our Privacy Policy, we can be reached using the contact information on our Contact Us page or at INFO@FLOCRED.COM