Terms of Use

1. Acceptance of Terms

By accessing, browsing, or using finmandi.com (the "Website") or any of its features, tools, calculators, or services (collectively, the "Services"), you confirm that you have read, understood, and agree to be bound by these Terms of Use ("Terms") and our Privacy Policy and Disclaimer, which are incorporated herein by reference.

These Terms apply to all visitors, users, and others who access or use the Website. If you are using the Website on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

2. Eligibility

To use FinMandi, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Be a resident of or accessing the Website from the Republic of India
• Have the legal capacity to enter into a binding contract under the Indian Contract Act, 1872
• Not be barred from receiving services under applicable Indian law

By using this Website, you represent and warrant that you meet all eligibility requirements. If you are under 18, you must not use this Website or submit any personal information.

3. Description of Services

FinMandi provides the following services, all free of charge at the basic level:

• Financial product information and comparison (loans, insurance, credit cards, savings accounts, FDs)
• Financial calculators including EMI, FD maturity, and SIP return calculators
• Banking FAQs and educational articles on personal finance
• AI-powered search for instant answers to banking questions
• Free eligibility assessment and connection to financial advisors
• Premium subscription services (Pro and Wealth plans) with additional features

4. User Responsibilities

As a user of FinMandi, you agree to:

• Provide accurate, current, and complete information when filling forms or using our services
• Use the Website only for lawful purposes and in accordance with these Terms
• Verify all financial information, rates, and product details directly with the respective institution before making any financial decision
• Keep your contact details updated if you have submitted an eligibility form
• Not rely solely on FinMandi's content for financial decisions without independent professional advice
• Respect the intellectual property rights of FinMandi and third parties
• Maintain the confidentiality of any account credentials if you subscribe to our Premium services

5. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Using the Website for any unlawful purpose or in violation of any applicable Indian law or regulation
• Submitting false, misleading, or fraudulent information through any form on the Website
• Attempting to gain unauthorised access to any part of the Website, its servers, or related systems
• Using automated tools, bots, scrapers, or scripts to extract data from the Website without prior written permission
• Reproducing, distributing, or republishing any content from FinMandi without explicit written consent
• Interfering with or disrupting the integrity or performance of the Website
• Impersonating any person or entity or misrepresenting your affiliation with any person or entity
• Uploading or transmitting any virus, malware, or other harmful code
• Using the Website to send unsolicited communications or spam
• Engaging in any activity that could damage the reputation of FinMandi

Violation of these prohibitions may result in immediate termination of access and may be reported to relevant law enforcement authorities.

6. Intellectual Property

All content on FinMandi, including but not limited to text, graphics, logos, calculator designs, UI elements, data compilations, FAQs, and software code, is the exclusive property of FinMandi and is protected by applicable Indian and international intellectual property laws.

• You may access and use FinMandi content for personal, non-commercial informational purposes only
• You may not copy, reproduce, republish, upload, post, transmit, or distribute any content without prior written permission
• The "FinMandi" name, logo, and branding are proprietary marks of FinMandi
• Fair use of content for personal reference is permitted, provided appropriate credit is given to FinMandi

Any unauthorised use of our intellectual property may constitute an infringement under the Copyright Act, 1957 and the Trade Marks Act, 1999.

7. User-Generated Content

If you submit any content to FinMandi — including form responses, feedback, or queries — you grant FinMandi a non-exclusive, royalty-free, perpetual licence to use, reproduce, and display that content for the purpose of operating and improving the Services.

You represent that any content you submit does not violate the rights of any third party and complies with applicable Indian law. FinMandi reserves the right to remove any content that violates these Terms.

8. Third-Party Services & Links

FinMandi contains links to third-party websites including banks, NBFCs, insurance companies, and other financial institutions. These links are provided for your convenience.

• FinMandi does not endorse, control, or take responsibility for any third-party website or its content
• Your use of third-party websites is governed by their own terms of use and privacy policies
• FinMandi may earn referral commissions from third parties — this does not affect the objectivity of our information
• Any transaction you enter into with a third party is solely between you and that party

9. Disclaimer of Warranties

FinMandi provides the Website and Services on an "as is" and "as available" basis, without any warranties of any kind, whether express or implied.

• We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components
• We do not warrant the accuracy, completeness, or timeliness of any information on the Website
• We expressly disclaim all implied warranties including merchantability, fitness for a particular purpose, and non-infringement

Please refer to our Disclaimer page for detailed information about limitations of our financial information.

10. Limitation of Liability

To the fullest extent permitted by applicable Indian law, FinMandi and its owners, directors, employees, and affiliates shall not be liable for any:

• Direct, indirect, incidental, special, or consequential damages arising from your use of the Website
• Financial loss resulting from reliance on information, rates, or calculator results on the Website
• Loss of data, profits, goodwill, or business opportunities
• Damages arising from unauthorised access to or alteration of your data
• Any matter beyond our reasonable control

Our total liability to you for any claim arising from these Terms or your use of the Website shall not exceed ₹1,000 (Rupees One Thousand Only), to the extent permissible under Indian law.

11. Indemnification

You agree to indemnify, defend, and hold harmless FinMandi and its owners, employees, affiliates, and partners from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Website or Services in violation of these Terms
• Your submission of false or misleading information
• Your violation of any applicable law or regulation
• Your infringement of any intellectual property or other rights of a third party

12. Termination

FinMandi reserves the right to suspend or terminate your access to the Website at any time, with or without notice, if we believe you have violated these Terms or engaged in conduct harmful to FinMandi, other users, or third parties.

Upon termination, your right to use the Website ceases immediately. Provisions of these Terms that by their nature should survive termination (including intellectual property, limitation of liability, indemnification, and governing law) shall survive.

13. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of India.

• Applicable laws include the IT Act 2000, Consumer Protection Act 2019, Contract Act 1872, and DPDP Act 2023
• Jurisdiction — Any disputes shall be subject to the exclusive jurisdiction of the courts of India
• Informal resolution — We encourage you to contact us first at hello@finmandi.com to resolve any dispute informally before initiating legal proceedings
• Consumer rights — Nothing in these Terms limits your rights as a consumer under the Consumer Protection Act, 2019

14. Modifications to Terms

FinMandi reserves the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised date. Material changes will be highlighted where possible.

Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Website.

15. Contact Us

For any questions, concerns, or feedback regarding these Terms of Use, please contact us:

• Email: hello@finmandi.com
• Subject line: "Terms of Use Query"
• Response time: Within 30 days
• Platform: finmandi.com