GENERAL TERMS OF USE

Welcome to www.flocamo.com (“Website”) owned, managed and operated by Finconvenio Services Private Limited (‘’Finequs’’), a company incorporated under the provisions of the Companies Act, 2013 and having its registered office at 12KanchiNilayam, SouthUsman Road, T. Nagar, Chennai, Tamil Nadu 600017.

Finequs is a multi-product, multi-brand financial services distribution marketplace, with the stated business of making financial services easily accessible to all; and with a commitment towards providing service to the underserved segments of our population who do not have easy access to credit. Finequs uses multiple channels(“Channels”) including,but not limited to,empaneled retail outlets, proprietary outlets, franchised outlets, Website and portal, app and other digital media, distributors, distribution partners, merchants and individuals and itleverages its proprietary and differentiated technology, complex algorithms, analytics and digitised processestowards this business objective.The Terms mentioned in this document encompasses all channels that Finequs uses towards providing its services, including the Website, as defined above.

Prior to using the Website, you should read these General Terms of Use (“Terms”) as below, and also the Privacy Policy as made available on the Website. By using Finequs's products, software, services, and the Website or by availing any products offered by Finequs’s partner institutions or third parties (“Services”), you understand and agree that Finequs will treat your use of the Services as acceptance of these Terms from such point of usage. You may not use the Services if you do not accept the Terms. If you do not agree to be bound by these Terms and the Privacy Policy, you may not use the Website in any way. It is strongly recommended for you periodically review the most updated version of the Terms in force. Finequs reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms without prior notice, and your continued access or use of the Website signifies your assent/ratification of the updated or modified Terms. If you object to these Terms or any subsequent modifications to these Terms in any way, your only recourse is to immediately terminate use of the Website. We may make it obligatory for you to agree to any additional terms between you and Finequswith regard to any specific services that you may avail in future. The service provided by Finequs through the Website is available for use in India only.

1. A. PROPRIETARY RIGHTS

Through this and in acceptance of the terms laid our below,you acknowledge and agree that Finequs owns all rights, title and interest in and to the Services, including any intellectual property rights which subsist in the Services. You also acknowledge that the Services may contain information which is designated confidential by Finequs and that you shall not disclose such information without Finequs's prior written consent.
Finequs grants you a limited license to access and make personal use of the Website and the Services. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of Finequs's trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You confirm that you will not copy or transmit any of the Services that Finequs provides.

   B. USAGE OF THE WEBSITE AND FINEQUS SERVICES

The Website is intended for personal and non-commercial use. You confirm that you are above the age of 18 and can enter into binding contracts as per applicable laws of the land if you enrol or register on the Website. You are responsible for maintaining the secrecy of your passwords, login and account information. Access and login to the Website should be only by through a login and password and if anyone logs into the Website or portal using your password and login information you accept the responsibility irrespective as to whether your permission has been sought or not.
You also agree to provide true, accurate, current and complete information about yourself as and when required by the Website. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or Finequs has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, Finequs shall have the right to suspend or terminate your account and/or refuse any and all current or future use of the Website (or any portion thereof) or Services in connection thereto.
By use of the Website, and by furnishing your personal and any other details as is required to provide Services by Finequs, you hereby agree and confirm that you are interested in knowing more or availing and/or purchasing various products, services, offers, campaigns or other promotional material that Finequs or any other third party may offer/provide/share/send you from time to time through any means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), WhatsApp or any other messaging service/mobile application or any other physical, electronic or digital means/mode. You hereby agree that Finequs may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. Further you also expressly agree and authorize Finequs and its partners, service providers, vendors and other third parties to contact you for the purpose of offering or inviting your interest in availing other products or services offered by third parties, or for sending other marketing campaigns, offers, or any other information either on the Website or through other means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), WhatsApp or any other messaging service/mobile application or any other physical, electronic or digital means/mode.
You understand and confirm your agreement and thereby authorize Finequs, its affiliates, partners and third parties to contact you for any follow up calls in relation to the Services provided through the Website and for offering or inviting your interest in availing any other product or service offered by Finequs or such third parties. You agree and consent to receive communications relating to all of the above on your phone/mobile number provided by you on the Website and expressly waive any registration or preference made under DND/NCPR list under the applicable TRAI regulations.
You agree and authorize Finequs to share your information, with its group companies, vendors, service providers of Finequs and other third parties, in so far as required for marketing purposes/offering/cross-selling various products and services and/or to provide you with various value-added services, in association with the Services selected by you or generally otherwise. You agree to receive communications through e-mails, telephone and/or SMS, from Finequs or third parties. You also agree that Finequs reserves the right to make your details available to its partner banks/financial institutions, vendors, service providers, business partners, agents or any other third party and that you may be contacted by such partners and/or the third party for information through email, telephone and/or SMS. If you place a request not to receive such communication/marketing material going forward, it shall be applicable prospectively only and shall not apply in respect to your data already shared by Finequs with its partners upon your prior consent. In case you do not wish to receive any such communication/marketing materials from our partner banks/ financial institutions/third parties, we request you to kindly get in touch with them independently, without involving Finequs.
You agree and acknowledge that for undertaking any financial transaction through the Website, Finequs may conduct client/customer due diligence measurers and seek mandatory information required for Know-Your-Customer (“KYC”) purposes, as is required for such financial transactions, which as a customer you are required to give,in accordance with applicable laws and regulations.
Finequs may obtain sufficient information to establish, to its satisfaction or the satisfaction of banks/financial institutions, the identity of each new customer/user, and to ascertain the purpose of the intended nature of relationship between you and the bank/financial institution. You agree and acknowledge that Finequs can undertake enhanced due diligence measures (including any documentation), to satisfy itself relating to customer bona fidesin line with the requirements and obligations under applicable laws and regulations of India.
The usage of the Website may also require you to provide consent for entering in your Personal Informationor to authorize Finequs to derive your data/information from any source or public registry, as may be necessary to complete your profile or your application on the Website, conduct due diligence on you, assessing your eligibility for the products/services, undertaking KYC checks by Finequs or any other third party and/or to process your application through the Website. Your Personal Information may also be used or shared with third parties, including but not limited to Finequs’s vendors, service providers, analytics and research partners in India or abroad, with the intention of improving your experience on the Website and in partaking of the services provided by Finequs. Finequs shall always ensure adherence to the best practices in the industry including in areas such as information security, data protection and privacy law.Finequs shall not be liable to you against any liability or claims which may arise out of such transactions as you explicitly confirm and agree that any and all such Personal Information is being collected, used, processed and shared with your explicit consent.
You shall not sell Finequs’s Services, information, or software associated with or derived from it or use any robot, spider, other automatic device, or manual process to monitor or copy the Website and or its content or interfere or disrupt the Website; or take any action that imposes an unreasonably or disproportionately large load on Finequs’s infrastructure/network or use any device, or interfere or attempt to interfere with the Finequs Services or forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through Finequs or to manipulate your presence on the Website. You may only use the Website to search for and to apply for loans, credit cards and/or other financial products as may be displayed on the Website from time to time and you shall not use the Website to make a fraudulent application for any products listed on the Website. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Since the Website is in operation in India, while using the Website, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website. Finequs provides Services to individuals resident in India only.
1. GENERAL TERMS:

 1.1 Proprietary Rights
Through this and in acceptance of the terms laid our below ,you acknowledge and agree that Finequs owns all rights, title and interest in and to the Services, including any intellectual property rights which subsist in the Services. You also acknowledge that the Services may contain information which is designated confidential by Finequs and that you shall not disclose such information without Finequs's prior written consent.
Finequs grants you a limited license to access and make personal use of the Website and the Services. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of Finequs's trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You confirm that you will not copy or transmit any of the Services that Finequs provides.
 1.2 Usage of the website and Finequs services
The Website is intended for personal and non-commercial use. You confirm that you are above the age of 18 and can enter into binding contracts as per applicable laws of the land if you enrol or register on the Website. You are responsible for maintaining the secrecy of your passwords, login and account information. Access and login to the website should be only by through a login and password and if anyone logs into the website or portal using your password and login information you accept the responsibility irrespective as to whether your permission has been sought or not.
You also agree to provide true, accurate, current and complete information about yourself as and when required by the Website. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or Finequs has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, Finequs shall have the right to suspend or terminate your account and/or refuse any and all current or future use of the Website (or any portion thereof) or Services in connection thereto.
By use of the Website, and by furnishing your personal and any other details as is required to provide Services by Finequs, you hereby agree and confirm that you are interested in knowing more or availing and/or purchasing various products, services, offers, campaigns or other promotional material that Finequs or any other third party may offer/provide/share/send you from time to time through any means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), WhatsApp or any other messaging service/mobile application or any other physical, electronic or digital means/mode . You hereby agree that Finequs may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. Further you also expressly agree and authorize Finequs and its partners, service providers, vendors and other third parties to contact you for the purpose of offering or inviting your interest in availing other products or services offered by third parties, or for sending other marketing campaigns, offers, or any other information either on the Website or through other means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), WhatsApp or any other messaging service/mobile application or any other physical, electronic or digital means/mode.
You understand and confirm your agreement and thereby authorize Finequs, its affiliates, partners and third parties to contact you for any follow up calls in relation to the Services provided through the Website and for offering or inviting your interest in availing any other product or service offered by Finequs or such third parties. You agree and consent to receive communications relating to all of the above on your phone/mobile number provided by you on the Website and expressly waive any registration or preference made under DND/NCPR list under the applicable TRAI regulations.
You agree and authorize Finequs to share your information, with its group companies, vendors, service providers of Finequs and other third parties, in so far as required for marketing purposes/offering/cross-selling various products and services and/or to provide you with various value-added services, in association with the Services selected by you or generally otherwise. You agree to receive communications through e-mails, telephone and/or SMS, from Finequs or third parties. You also agree that Finequs reserves the right to make your details available to its partner banks/financial institutions, vendors, service providers, business partners, agents or any other third party and that you may be contacted by such partners and/or the third party for information through email, telephone and/or SMS. If you place a request not to receive such communication/marketing material going forward, it shall be applicable prospectively only and shall not apply in respect to your data already shared by Finequs with its partners upon your prior consent. In case you do not wish to receive any such communication/marketing materials from our partner banks/ financial institutions/third parties, we request you to kindly get in touch with them independently, without involving Finequs.
You agree and acknowledge that for undertaking any financial transaction through the Website, Finequs may conduct client/customer due diligence measurers and seek mandatory information required for Know-Your-Customer(“KYC”) purposes, as is required for such financial transactions, which as a customer you are required to give in accordance with applicable law and regulations.
Finequs may obtain sufficient information to establish, to its satisfaction or the banks/financial institutions, the identity of each new customer/user, and to ascertain the purpose of the intended nature of relationship between you and the bank/financial institution. You agree and acknowledge that Finequs can undertake enhanced due diligence measures (including any documentation), to satisfy itself relating to customer bona fides in line with the requirements and obligations under applicable laws and regulations of India.
The usage of the Website may also require you to provide consent for entering in your Personal Information ) or to authorize Finequs to derive your data/information from any source or public registry, as may be necessary to complete your profile or your application on the Website, conduct due diligence on you, assessing your eligibility for the products/services, undertaking KYC checks by Finequs or any other third party and/or to process your application through this Website. Your Personal Information may also be used or shared with third parties, including but not limited to Finequs’s vendors, service providers, analytics and research partners in India or abroad, with the intention of improving your experience on the Website and in partaking of the services provides by Finequs. Finequs shall always ensure adherence to the best industry practices in the industry including in areas such as information security, data protection and privacy law. Finequs shall not be liable to you against any liability or claims which may arise out of such transactions as you explicitly confirm and agree that any and all such Personal Information is being collected, used, processed and shared with your explicit consent.
You shall not sell Finequs’s Services, information, or software associated with or derived from it or use any robot, spider, other automatic device, or manual process to monitor or copy the Website and or its content or interfere or disrupt the Website; or take any action that imposes an unreasonably or disproportionately large load on Finequs’s infrastructure/network or use any device, or interfere or attempt to interfere with the Finequs Services or forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through Finequs or to manipulate your presence on the Website.
You may only use the Website to search for and to apply for loans, credit cards and/or other financial products as may be displayed on the Website from time to time and you shall not use the Website to make a fraudulent application for any products listed on the Website. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Since the Website is in operation in India, while using the Website, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website. Finequs does provides Services to individuals resident in India only.
You are prohibited from posting or transmitting to or through the Website: (i) any unlawful, threatening, libellous, 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 services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to the Website.
2. PRIVACY POLICY
By using the Website, you hereby consent to the use of your information as we have outlined in our Privacy Policy.
3. PARTNERS
Display of loan, credit card or other financial products, offered by third parties, on the Website or portal does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of Finequs in favour/against such third parties or their products. You agree that Finequs is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties.
Your interaction with any third party accessed through the Website is at your own risk, and Finequs 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.
You agree and acknowledge that the fulfilment of your application for any such financial service or product shall be at the sole discretion of Finequs’s financial partners (lenders, credit card companies etc.), while making any application through the Website for a financial product offered by such financial partners; Finequs shall not be held liable for any delay, rejection or approval of any application made through its Website and empanelled stores, outlets and partners.
4. THIRD PARTY LINKS/OFFERS:
The Website may provide links to other Websites or resources. AsFinequs has no control over such third-partyWebsites and resources, you acknowledge and agree that Finequs 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 Finequs 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 Finequs 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.
5. DISCLAIMER OF WARRANTY
The Website and all content and Services provided on the Website are provided on an "as is" and "as available" basis. Finequs expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Finequs makes no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) The Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Website or any Services offered through the Website will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the Website will meet your expectations.
Some of the content on the Website is aimed at spreading general awareness about various financial and ancillary services but does not constitute any advice, and the same shall not be construed as any solicitation, endorsement, advertising, marketing or promotion of such services by Finequs. These content and/or information are derived from publicly available sources and Finequs cannot verify or confirm the genuineness, authenticity or veracity of such information.
6. LIMITATION OF LIABILITY
Finequs (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any injury, death, loss, claim, act of God, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Website or receive Service from any Channel), 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 advised 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 the result of your access to the Website or your downloading of any content from the Website. The Website may provide links to other third-party Websites. However, since Finequs has no control over such third-party Websites, you acknowledge and agree that Finequs is not responsible for the availability of such third-party Websites and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such third-party Websites. You further acknowledge and agree that Finequs 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 third-party Websites. Such third-party Website may have separate terms and conditions and privacy policy, and which are independent of Finequs and therefore, we advise you to read the terms and conditions available on such Website before you access any such third-party Website.
7. INDEMNITY
You agree to indemnify and hold Finequs (and its 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 these Terms, your violation of any law or the rights of a third party, or your use of the Website.
8. WAIVER
Any failure or delay by Finequs to enforce or exercise any provision of these Terms, or any related right, shall not constitute a waiver by Finequs of that provision or right. The exercise of one or more of Finequs’s rights hereunder shall not be a waiver of, or preclude the exercise of, any rights or remedies available to Finequs under these Terms or in law or at equity. Any waiver of any provision shall only be effective if made in writing and executed by a duly authorized officer of Finequs.
9. FORCE MAJEURE
If performance of Services/Website/Channel by Finequs is prevented, restricted, delayed or interfered with by reason of labour disputes, strikes, acts of God, floods, lightning, severe weather, shortages of materials, rationing, inducement of any virus, malware, Trojan or other disruptive mechanisms, any event of hacking or illegal usage of the Website, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or any other act whatsoever, whether similar or dissimilar to those referred to in this clause, which are beyond the reasonable control of Finequs and could not have been prevented by reasonable precautions, then Finequs shall be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall, in no manner whosoever, amount to a breach by Finequs of its obligations herein or incur any legal liability on Finequs.
10. ADDITIONAL TERMS
You may not assign or otherwise transfer your rights or obligations under these Terms. Finequs may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. Other terms and conditions may apply to loans, mutual funds, credit cards or other financial products that you may apply on the Website. You will observe these other terms and conditions. The laws of Indiawill govern these Terms, as well as your and our observance of the same. If you take any legal action relating to your use of the Website or these Terms, you agree to file such action only in the courts located in Chennai, India. In any such action that we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees. You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement. This paragraph shall survive termination of this agreement.
Finequs reserves the right to make changes to the Website, related policies and agreements, this terms of use and the Privacy Policy at any time as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services and ancillary services, company re-organization, market practice or customer requirements. Upon any change, Finequs will notify the updated Terms on the Website or other means. Your continued use of the Services and ancillary services constitutes acceptance of the changes and an agreement to be bound by Terms, as amended. If you do not agree to the changes, you may please discontinue your use of the Services.
This document/agreement/understanding is an electronic record published in line with the terms of Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011 read with Information Technology Act, 2000 and does not require any physical or digital signatures.

These terms of use were last updated on 13th December 2021