Manipal Fintech

Terms and Conditions

Manipal Fintech Private Limited
(“Company”, “MFPL”, “we”, “us”, “our”)

These Terms & Conditions (“Terms”) govern your access and use of the website of Manipal Fintech Private Limited (“MFPL”), available at www.manipalfintech.com (“Website”). By accessing or using this Website, you (“User” / “Customer” / “you”) agree to be bound by these Terms, our Privacy Policy, and any additional terms that may apply to specific sections or services.

MFPL is a Direct Selling Agent (DSA) that assists partner banks and NBFCs (“Lending Partners”) in sourcing and referring prospective customers interested in availing loans or financial products (“Services”). MFPL is not a lender and does not itself provide any loans, financial underwriting, or credit decisions.

MFPL is also a Lending Service Provider (LSP) that assists its partner banks and NBFCs (“Lending Partners”) in sourcing and referring prospective customers interested in availing loans or financial products (“Services”). MFPL is not a lender and does not itself provide any loans, financial underwriting, or credit decisions.
1. DEFINITIONS

1.1 “Customer” means any individual or entity who visits, accesses, uses, or seeks to avail a financial product through MFPL.

1.2 “Lending Partner” means any bank, NBFC or financial institution with whom MFPL has an arrangement for customer sourcing and referral.

1.3 “Services” means customer sourcing, preliminary data collection, document facilitation, and referral of customers to Lending Partners for loan evaluation and processing.

1.4 “Content” means all information, data, text, documents, graphics, or materials made available on this Website.
2. ELIGIBILITY

2.1 By using this Website, you confirm that:

 you are at least 18 years of age;
 you are legally competent to enter into a binding contract;
 you will provide accurate, complete, and updated information;
 your use of the Website is not prohibited under any applicable law.

2.2 MFPL Services are available only to persons located in India.
3. NATURE & SCOPE OF MFPL SERVICES

3.1 MFPL acts solely as a Direct Selling Agent (DSA) for its Lending Partners. MFPL:

 collects customer information and documentation;
 verifies basic data provided by the customer;
 refers customer applications to respective Lending Partners;
 facilitates communication between the customer and the Lending Partner.

3.2 MFPL does NOT:

 approve, sanction, reject, or disburse loans;
 determine loan amounts, interest rates, charges, or terms;
 guarantee loan approval or processing timelines;
 collect any payments on behalf of Lending Partners.

3.3 All loan approvals, credit evaluation, KYC checks, verification, sanctions, and disbursements are done solely by the Lending Partner, as per their internal policies and applicable laws.

3.4 MFPL reserves the right to modify, suspend, or discontinue any part of the Website or Services without notice.

4. CUSTOMER OBLIGATIONS

You agree, undertake, and confirm that:

4.1 You will provide true, accurate, complete, and updated information and documents. MFPL or the Lending Partner may request additional information at any stage.

4.2 You shall not:

 impersonate another person;
 provide false or misleading information;
 engage in any fraudulent, abusive, or unlawful activity;
 misuse MFPL’s platform for any unauthorised purpose.

4.3 You authorise MFPL to share your information, documents, and application details with Lending Partners for the purpose of loan evaluation.

4.4 You are solely responsible for understanding the terms of financial products offered by Lending Partners.

5. NO FEES FROM CUSTOMERS

5.1 MFPL does not charge any fee from customers for sourcing or referral services.

5.2 Any fees or charges applicable for loan products are determined solely by the Lending Partner and communicated directly to you.

6. DATA & PRIVACY

6.1 All data and information submitted by you shall be processed in accordance with MFPL’s Privacy Policy available at www.manipalfintech.com/privacy-policy.

6.2 You authorise MFPL to:

 collect, store, use, and share your information with Lending Partners;
 validate data with authorised agencies;
 contact you for verification, clarification, or updates.

6.3 You agree that communication may be sent to you via SMS, email, WhatsApp, phone calls, or other channels permitted under applicable laws.

7. LIMITATION OF LIABILITY

7.1 MFPL shall not be liable for:

 decisions taken by Lending Partners;
 delays or rejection of applications;
 inaccuracies in information provided by you;
 any loss arising from your use of third-party websites linked through this Website;
 any fraud, misrepresentation, or misconduct by the customer.

7.2 MFPL’s maximum aggregate liability, if any, shall not exceed INR 100/-, regardless of the nature or cause of action.

8. NO WARRANTY

8.1 The Website and Services are provided on an “as-is” and “as-available” basis.

8.2 MFPL does not warrant that:

 the Website will be uninterrupted or error-free;
 information on the Website is always complete, accurate, or current;
 any loan application will be approved by any Lending Partner.

9. THIRD-PARTY LINKS

The Website may contain links to third-party websites or platforms. MFPL does not endorse, control, or take responsibility for such third-party content or actions.
10. INTELLECTUAL PROPERTY

10.1 All Website content, trademarks, logos, and proprietary material are owned by MFPL or its licensors.

10.2 You shall not copy, reproduce, distribute, modify, reverse-engineer, or use any part of the Website for commercial purposes without prior written permission from MFPL.
11. INDEMNITY

You agree to indemnify and hold harmless MFPL, its directors, employees, and agents from any claims, losses, liabilities, damages, or expenses arising from:

 your breach of these Terms;
 your misrepresentation, fraud, or misconduct;
 your violation of applicable laws.

12. SUSPENSION & TERMINATION

MFPL may suspend or terminate your access to the Website or Services at its sole discretion if:

 you provide false information;
 you engage in any unlawful activity;
 required by law or regulatory authority;
 for system maintenance or operational reasons.
13. GOVERNING LAW & DISPUTE RESOLUTION

13.1 These Terms shall be governed by laws of India.

13.2 Any dispute shall be resolved through arbitration under the Arbitration and Conciliation Act, 1996.

 Arbitrator: Sole arbitrator appointed by MFPL
Seat/Venue: Gurgaon
Language: English

13.3 Courts at Delhi, India shall have exclusive jurisdiction in relation to any matter / dispute arising between you and us hereof.
14. MISCELLANEOUS

14.1 No Agency. Use of the Website does not create any agency, partnership, employment, or joint venture between MFPL and you.

14.2 Severability. If any clause is held invalid, the remainder shall continue in force.

14.3 Changes to Terms. MFPL may modify these Terms at any time, without prior notice. Continued use of the Website constitutes your acceptance of updated Terms.

14.4 Notices. Any notice may be sent to your registered email address.