Terms & Conditions

I/We hereby grant unconditional authorization to Finagle to conduct exhaustive credit assessments, background verifications, and financial reference checks at any time during the lifecycle of this application or the subsequent credit facility. Finagle may, at its sole and absolute discretion, execute these checks without prior notification to me/us.

I/We authorize Finagle, its employees, directors, representatives, and authorized third-party agencies to request, retrieve, verify, and share financial records, credit histories, and identity data. This authorization extends to all relevant sources, including but not limited to:

This data may be utilized by Finagle for underwriting, evaluating credit risk, establishing credit limits, preventing fraud, managing portfolios, data analytics, and conducting loan recovery operations if necessary.

I/We explicitly express an interest in exploring the financial products, loan offers, credit schemes, value-added services, and promotional activities provided by Finagle, its parent company, subsidiaries, or affiliates.

I/We hereby grant explicit consent to Finagle and its authorized agents, representatives, and associates to initiate contact, send alerts, and deliver marketing material through any available channel, including but not limited to:

I/We confirm and declare that all communications received from Finagle or its representatives shall be deemed "solicited commercial communications" initiated at my/our express request. Consequently, the restrictive rules laid down under the National Do Not Call (DNC) Registry and the National Customer Preference Register (NCPR) managed by the Telecom Regulatory Authority of India (TRAI) shall be entirely inapplicable to such communications.

I/We explicitly understand that the submission of this application form, along with any processing fees, does not create an obligation or guarantee an automatic sanction of a credit facility by Finagle. Finagle retains the absolute and final right to either approve, reduce the requested amount, or reject this application in its entirety.

In the event that this application is rejected or scaled down, Finagle is under no legal or administrative obligation to disclose the underlying reasons, internal credit scores, or evaluation matrices to the Applicant.

I/We agree that all documents, identity proofs, address proofs, financial statements, bank statements, photographs, biometric representations, and digital signatures ("selfies") uploaded or physically delivered alongside this application shall become the exclusive property of Finagle. Finagle shall retain the absolute right to store and maintain these records in its archives and is under no obligation to return them to the Applicant, regardless of whether the loan is approved, cancelled, or rejected.

I/We authorize Finagle to forward, file, and register this application, asset details, and any other relevant security documentation with the Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) or any other centralized regulatory database mandated by law.

I/We provide my/our explicit consent to Finagle to download, retrieve, or update my/our identity records from the Central KYC Registry. Furthermore, I/We consent to receive real-time tracking information, confirmations, and alerts directly from the CKYC Registry via SMS or e-mail on my/our registered mobile number and e-mail address.

I/We agree to strictly comply with and provide all supplementary documents and information required under the Master Directions on Know Your Customer (KYC) guidelines issued by the Reserve Bank of India (RBI), as amended from time to time.

I/We solemnly declare, warrant, and guarantee that all information, declarations, financial data, and personal details provided in this application form are authentic, precise, exhaustive, and updated in all respects. I/We firmly state that no material fact, adverse financial condition, pending litigation, or critical vulnerability has been suppressed, concealed, or misrepresented.

I/We understand that these disclosures form the absolute legal foundation and the sole reliance material for Finagle's decision to extend a credit facility. Any misrepresentation or omission discovered at a later date shall entitle Finagle to cancel the facility, recall outstanding balances immediately, and initiate appropriate civil or criminal proceedings.

I/We irrevocably undertake to proactively inform Finagle in writing within forty-eight (48) hours of any material changes regarding my/our employment status, business operations, income levels, residential address, contact credentials, or any event that may impair my/our repayment capacity.

I/We explicitly covenant and agree that the credit facility (or any portion thereof) disbursed by Finagle shall be utilized strictly for the specific legitimate purpose stated in the application. I/We unconditionally guarantee that the funds shall not be diverted or utilized for any speculative, improper, anti-social, illegal, or unlawful activities, or any purpose prohibited under applicable Indian laws.

I/We acknowledge that any loan sanctioned to me/us shall be comprehensively governed by the internal loan policies, fair practices codes, and credit rules of Finagle, in tandem with the regulatory guidelines issued by the RBI from time to time.

In the event that I/we request a cancellation of the loan facility post-approval or post-disbursement, I/we understand and agree that I/we shall be legally liable to bear and pay all applicable pro-rata interest charges, processing fees, documentation fees, and broken-period interest accrued on the outstanding loan amount up to the formal date of closure.

I/We recognize that the collection, storage, cryptographic processing, hosting, and transmission of personal data, financial data, and sensitive personal data or information (SPDI) by Finagle is carried out in strict compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and other applicable data protection legislations in India.

I/We authorize Finagle to share and distribute my/our data to outsourced cloud-hosting partners, technology service providers, collection agencies, legal advisors, and statutory auditors. Finagle warrants that such data transfers are protected under non-disclosure agreements and industry-standard cybersecurity protocols to preserve data integrity and confidentiality.

I/We acknowledge that I/we possess the right to withdraw my/our consent for the processing of non-essential personal data or for receiving marketing communications at any point by writing to Finagle's Grievance Redressal Cell. However, I/We explicitly accept that if consent is withdrawn for data essential to credit appraisal, verification, or statutory regulatory reporting, Finagle reserves the absolute right to summarily reject, cancel, or suspend the evaluation or processing of my/our loan application.

These terms shall be interpreted, construed, and governed exclusively in accordance with the laws of India. Any legal disputes or claims arising out of or in connection with this application shall fall under the exclusive jurisdiction of the competent courts where Finagle’s operating office is situated.

I/We hereby declare and confirm that I/we have read, or have had explained to me/us in a language understood by me/us (including English and Hindi), the full contents of this application form, these Terms and Conditions, and all related documentation available on Finagle’s official website and mobile application. I/We confirm that I/we have fully grasped the financial implications, risks, and obligations associated with this application and have provided our consent voluntarily, out of free will, and without any element of duress or undue influence.