Terms | Finacalein

Terms and Conditions

Please read these terms carefully before using our services.

Terms of Usage

This section contains the Terms of Use of Finacalein India Private Limited. By accessing Finacalein India Private Limited and any of its pages, you are agreeing to these Terms and Conditions.

Use of Information and Materials

Finacalein India Private Limited disclaims any obligation to update or correct or provide accuracy in information/content contained in any of the sections under the Finacalein India Private Limited website located at www.fii.co.in, whether arising as a result of financial, business, or any other developments. The information in any or all of the sections of this website is updated by Finacalein India Private Limited on a periodic basis and is uploaded on a particular date, which may not be the current/latest date. Hence this information may not be an accurate representation of the actual filings, press releases, earnings releases, financials, industry news, stock quotes, etc.

Products and Services referred to on this Website are offered only in India. The materials on these pages are not intended for use by persons located in, or resident in other countries. Finacalein India Private Limited retains the absolute right to determine eligibility for subscription to any of the Services.

By agreeing to the Terms & Conditions, you authorize Finacalein India Private Limited & its representatives & agents to provide information about various products, offers, and services provided by Finacalein India Private Limited through any mode including telephone calls, SMS, letters, etc. You confirm that laws in relation to unsolicited communication referred in the "National Do Not Call Registry" as laid down by the "Telecom Regulatory Authority of India" will not be applicable for such information/communication.

The information contained in these pages is not intended to provide professional advice. Persons accessing these pages should obtain appropriate professional advice when necessary.

Promotional calls and messages to customers will be sent through a third-party platform.

Trademarks and Copyright

The content and information contained within our website or delivered to you in connection with your use of our website is the property of Finacalein India Private Limited and any other third party (where applicable). The trademark, trade names and logo (the "Trade Marks") that are used and displayed on our website include registered and unregistered Trade Marks of us and other third parties. Nothing on our website should be construed as granting any license or right to use any Trade Marks displayed on our website. We retain all proprietary rights on our website. Users are prohibited from using the same without written permission of Finacalein India Private Limited of such or such other parties. The materials on this website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the prior written consent of Finacalein India Private Limited.

No Warranties

Whilst every care has been taken in preparing the information materials contained in this site, such information and materials are provided "as is" without warranty of any kind, either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.

E-mail

E-mail messages sent to Finacalein India Private Limited over the Internet cannot be guaranteed to be completely secure. Finacalein India Private Limited is not responsible for any damages incurred by users if they send a message to a person, or we send a message to them at their request, over the Internet. Finacalein India Private Limited is not responsible in any way for direct, indirect, special, or consequential damages arising out of the use of this Website.

Transmitting over the Internet

Due to the nature of the Internet, transactions may be subject to interruption, transmission blackout, delayed transmission, and incorrect data transmission. Finacalein India Private Limited is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.

Downloading

We do not represent or warrant that the Site will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality, or performance of any third-party software that may be used in connection with the Site.

Modification

Finacalein India Private Limited reserves the right to delete, modify, change or discontinue any or all of the information on this website without giving notice to any user, individual, group of individuals, institutions, and any such governing bodies.

Password Protection

We give you a unique user name and two passwords — one for just browsing and one solely for transaction purposes. When you place an order, we ask you for the transaction password which authenticates your identity from our highly secured database. This means we force you to change your password every month to ensure high security for all your transactions. You can also change your password online at any time. In addition, you can use the Log Off button located throughout the site to securely exit your account without closing your browser.

Internet Scanners and Intrusion Detection System

The system maintains a database of attack signatures which is continuously updated and against which it will scan all incoming traffic to detect any malicious activity or hacking attempts into the site. In the event of a possible attack, it will terminate that session, log the attack details and also alert the administrator.

Consent

I hereby authorize representatives and employees of Finacalein India Private Limited to receive calls, SMS, Email, and additional forms of communication with reference to products and promotions.

Important Points to Consider Before Applying for a Personal Loan

  • Loan Amount: Minimum ₹1,000 to Maximum ₹50 Lakhs
  • Repayment Tenure: Minimum 3 Months to Maximum 60 Months
  • Rate of Interest / Annual Percentage Rate (APR): Minimum 10.5% to Maximum 30%
  • Processing Fees: ₹500 to 2.5% of the Loan Amount

Example:

Personal loan of ₹5 lakhs at an interest rate of 10.5% for tenure of 5 years, the EMI will be ₹10,747. The total payout here would be:

Principal Amount₹5,00,000
Interest Charges (@10.5%)₹1,44,817
Loan Processing Fees (@2.5%)₹12,500
Documentation Charges₹500
Amortization Schedule Charges₹200
Total Amount Paid After 5 Years₹6,58,017

*Interest rate and processing fees vary as per your product depending on the lender's policy.

IMPORTANT: By accessing this Web Site and any of its pages you are agreeing to the terms set out above.

Ask me
Finacalein Assistant
Online • Ready to help
Welcome to Finacalein! 👋
May I help you with any of the following?

1. Personal Loan
2. Business Loan
3. Property Loan
4. Home Loan
5. Loan Against Property