Manipal Fintech

Terms of Use

1. Introduction

Welcome to Manipal Fintech. By accessing or using our website, platforms, mobile applications, services, or any related features (collectively, the “Services”), you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use.

If you do not agree to these Terms, please discontinue use of our Services.
2. Eligibility
By using our Services, you confirm that:
•You are at least 18 years old;
•You have the legal capacity to enter into a binding agreement;
•You will use the Services in compliance with all applicable laws and regulations in India.
3. Use of Services
Manipal Fintech provides tools, financial products, loan evaluation services, digital onboarding solutions, and related financial technology services.
 You agree not to misuse the Services, including but not limited to:
•Providing false or misleading information;
•Attempting unauthorized access;
•Engaging in any fraudulent or unlawful activities;
•Violating third-party rights.
4. Consent for Soft Credit Pull
By using our Services—especially features involving loan eligibility, loan application, pre-approval checks, risk assessment, or onboarding—you expressly authorize Manipal Fintech to:
•Conduct a soft credit enquiry (soft pull) on your credit profile;
•Access your credit score, credit history, and credit-related information;
Use third-party credit bureaus and service providers such as Experian, Equifax, CRIF High Mark, CIBIL, or any other authorized credit information company (“CIC”).

4.1 Nature of Soft Pull
•A soft pull does NOT impact your credit score and is visible only to you and the credit bureau.

4.2 Purpose of Credit Information Access
•The credit information is accessed strictly for:
•Identity verification
•Loan eligibility checks
•Risk assessment
•Generating personalized loan offers or financial recommendations
•Compliance with regulatory requirements
•Your consent remains valid until revoked in writing as per applicable laws.
5. Information You Provide
To use certain features, you may be required to provide personal information such as:
•Name, phone number, email, KYC details
•PAN, Aadhaar (with masked or OTP-based verification)
•Financial details or income information
•Bank account information (if required)
•You confirm that the information you share is accurate and lawful.
6. Privacy & Data Protection
Your privacy is important to us. All data—personal, financial, or credit-related—is processed in accordance with our Privacy Policy, which explains:
•What data we collect
•How we use it
•With whom we may share it
•How the data is protected
•By using our Services, you agree to the terms of our Privacy Policy.
7. Third-Party Services & APIs
Manipal Fintech integrates multiple third-party service providers, including but not limited to:
•Credit bureaus
•KYC verification providers
•Payment gateway services
•Loan service partners
• Customer verification platforms
We are not responsible for the availability, accuracy, or actions of these third parties. Your use of third-party services is subject to their respective terms.
8. No Guarantee of Loan Approval
Loan eligibility checks, pre-approvals, credit score insights, or recommendations generated on our platform do not guarantee loan approval.
Final approval lies solely with the lending partner or financial institution.
9. Indemnification
You agree to indemnify and hold harmless Manipal Fintech from any claims, losses, liabilities, damages, or expenses arising out of:
•Your misuse of the platform
•Violation of these Terms
•Submission of false or fraudulent information
10. Termination
Manipal Fintech reserves the right to suspend or terminate your access to the Services at any time, without prior notice, if we detect suspicious, fraudulent, or harmful activity.