TERMS & CONDITIONS
1. INTRODUCTION
These Terms and Conditions (“Terms”) govern your access to and use of the Shandilya Telefintech website, digital platforms, services, content and other technology-enabled services operated by Shandilya Telefintech (“Shandilya Telefintech”, “we”, “us” or “our”).
By accessing or using our website or any of the services available through it, you (“you”, “your” or “User”) acknowledge that you have read, understood and agreed to these Terms and Conditions.
Shandilya Telefintech provides a digital platform through which users may explore and access various financial products and services, including credit cards, loans, insurance, payment solutions and other financial services, either directly or through relevant third-party financial institutions, lenders, insurers, banking partners or other service providers.
Certain products or services available through our platform may be provided, processed, approved or serviced by third-party partners. Such products and services may be subject to additional terms and conditions prescribed by the respective partner.
By continuing to use our website or services, you agree to comply with these Terms, our Privacy Policy and any additional terms applicable to specific products or services.
If you do not agree with these Terms, you should discontinue your use of the website and services.
2. DEFINITIONS
For the purpose of these Terms:
“Platform”
means the Shandilya Telefintech website, digital interfaces and other technology platforms operated by or on behalf of Shandilya Telefintech.
“User”
means any individual or entity accessing, browsing or using our Platform or services.
“Financial Products”
may include credit cards, loans, insurance products, payment solutions and other financial products made available through the Platform.
“Partner”
means any bank, NBFC, lender, insurance company, insurer, broker, financial institution, payment service provider or other third-party service provider associated with Shandilya Telefintech.
“Partner Product”
means any financial product or service offered, facilitated or serviced by a Partner through or in connection with our Platform.
“Content”
means text, images, graphics, designs, logos, photographs, videos, information, software, interfaces and other material made available through the Platform.
3. USE OF THE PLATFORM
You agree to use the Platform only for lawful purposes and in accordance with these Terms.
You must not:
Use the Platform for fraudulent or unlawful purposes.
Provide false, misleading or incomplete information.
Attempt to gain unauthorised access to the Platform.
Interfere with the security or operation of the Platform.
Upload malicious software, viruses or harmful code.
Copy, reproduce or commercially exploit Platform content without permission.
Use automated systems, bots or scraping tools to extract information from the Platform without our prior written permission.
Impersonate another individual, organisation or financial institution.
We reserve the right to restrict or terminate access where we reasonably believe that a User has violated these Terms.
4. FINANCIAL PRODUCTS AND SERVICES
Shandilya Telefintech may provide information about or facilitate access to various financial products and services, including:
Credit Cards
Loans
Insurance
Payment Solutions
Financial Services
Other financial products and services introduced on the Platform from time to time.
Availability of any product or service may depend upon eligibility criteria, documentation, verification, credit assessment, regulatory requirements and the terms of the respective Partner.
Displaying a financial product on our Platform does not constitute a guarantee that the product will be approved or made available to you.
5. ROLE OF SHANDILYA TELEFINTECH
Unless specifically stated otherwise, Shandilya Telefintech acts as a technology-enabled platform that helps users discover and access financial products and services.
Where a product is offered by a third-party Partner:
The Partner may be responsible for product approval.
The Partner may conduct eligibility and verification checks.
The Partner may determine applicable rates, fees, limits and terms.
The Partner may be responsible for providing and servicing the product.
The agreement relating to the product may be directly between you and the Partner.
The original reference similarly distinguishes the platform from its Partners and states that Partner products are governed by the respective Partner terms.
6. CREDIT CARDS
Credit card products displayed or facilitated through the Platform may be provided by participating banks or financial institutions.
Approval, credit limit, interest rate, fees, rewards, eligibility and other conditions are determined by the respective issuing institution.
Shandilya Telefintech does not guarantee approval of any credit card application.
Users should carefully review the terms, fees, charges, interest rates and other conditions provided by the respective card issuer before applying.
7. LOANS
Loan products available through the Platform may be offered by third-party lenders or financial institutions.
The lender shall independently determine:
Eligibility
Loan amount
Interest rate
Tenure
Processing charges
Repayment schedule
Approval or rejection of the application
Other applicable terms.
Shandilya Telefintech does not guarantee loan approval or any particular loan terms.
Users should carefully review the loan agreement and applicable lender terms before accepting a loan.
8. INSURANCE
Insurance products available through the Platform may be offered or facilitated by authorised insurance companies, brokers or other Partners, as applicable.
Insurance coverage, premium, policy terms, exclusions, claim procedures and eligibility shall be governed by the applicable insurance policy and the terms of the relevant insurance provider.
Users should carefully review the policy documents before purchasing an insurance product.
9. PAYMENT SERVICES
The Platform may provide or facilitate access to payment-related services through appropriate Partners.
Such services may include, where applicable:
Payment facilitation
Bill payments
Digital payment solutions
Payment-related services
Other payment facilities introduced from time to time.
Payment services may be subject to the terms and conditions of the relevant payment service provider, banking partner or other authorised entity.
10. ELIGIBILITY
By using the Platform, you represent that:
You are legally capable of entering into a binding agreement.
The information provided by you is accurate and complete.
You will provide genuine and current information.
You will comply with applicable laws and regulations.
You will use the Platform only for lawful purposes.
Certain financial products may have additional eligibility requirements determined by the respective Partner.
11. USER INFORMATION
You agree to provide accurate, complete and updated information whenever requested.
You are responsible for ensuring that information submitted through the Platform is correct.
Providing incorrect, incomplete or misleading information may affect your ability to access certain products or services and may result in suspension or termination of access.
12. DATA AND PRIVACY
Your personal information may be collected, processed and used in accordance with our Privacy Policy.
Depending upon the services you choose to access, information may be shared with relevant Partners or service providers where permitted by applicable law and based on the required consent or legal basis.
Users should review our Privacy Policy before using services that require submission of personal or financial information.
The reference document likewise links use of personal information to its Privacy Policy.
13. THIRD-PARTY LINKS AND PARTNERS
Our Platform may contain links, applications, interfaces or services operated by third parties.
Shandilya Telefintech does not necessarily control or endorse the content, policies, security practices or services of such third-party websites.
Your interaction with a Partner may be governed by the Partner’s own:
Terms and Conditions
Privacy Policy
Product terms
Service agreements
Regulatory disclosures.
You should review such documents before proceeding with any product or service.
14. PRODUCT INFORMATION DISCLAIMER
Information displayed on the Platform is intended to help users understand and compare available financial products and services.
Such information should not be interpreted as a guarantee, recommendation or assurance that a particular financial product is suitable for every User.
Financial decisions should be made after reviewing the applicable product documents and, where appropriate, obtaining independent professional advice.
The reference terms similarly state that platform content should not be treated as a basis for financial decisions and recommend appropriate caution.
15. FEES AND CHARGES
Any applicable fees, charges, subscription amounts, processing fees or other costs associated with a product or service will be communicated to the User through the relevant product or Partner.
Fees charged by third-party Partners shall be governed by the applicable Partner terms.
16. INTELLECTUAL PROPERTY
All intellectual property rights relating to the Platform, including its design, branding, logos, graphics, content, software and interfaces, belong to Shandilya Telefintech or its respective licensors, unless otherwise stated.
You may not reproduce, modify, distribute, sell, publish or commercially exploit such material without prior written permission.
17. PLATFORM AVAILABILITY
We endeavour to keep the Platform available and functioning properly.
However, we do not guarantee uninterrupted or error-free access.
The Platform may occasionally become unavailable due to:
Maintenance
Technical issues
Network failures
Security incidents
Third-party service interruptions
Force majeure events
Other circumstances beyond our reasonable control.
18. OFFERS AND PROMOTIONS
From time to time, Shandilya Telefintech or its Partners may provide offers, promotions, rewards or other benefits.
Such offers may be subject to separate eligibility criteria and additional terms.
We reserve the right to modify, suspend or withdraw any offer in accordance with the applicable terms.
19. USER RESPONSIBILITIES
You are responsible for:
Maintaining the confidentiality of your account credentials.
Providing accurate information.
Reviewing applicable product terms.
Making payments and repayments applicable to products you obtain.
Protecting your devices and login information.
Using the Platform responsibly and lawfully.
20. FRAUD PREVENTION
Shandilya Telefintech will never knowingly encourage users to participate in fraudulent activities.
Users should remain cautious of individuals or organisations impersonating Shandilya Telefintech or its Partners.
Do not share sensitive information such as passwords, OTPs, PINs or other authentication credentials with unauthorised persons.
If you suspect fraudulent activity involving our Platform, you should contact us through the official contact channels available on our website.
21. LIMITATION OF LIABILITY
To the maximum extent permitted under applicable law, Shandilya Telefintech shall not be responsible for losses arising from:
Reliance on third-party product information.
Rejection of a financial product application.
Decisions made by Partners.
Unavailability of third-party services.
Errors or delays caused by third-party systems.
User-provided inaccurate information.
Unauthorised access caused by User negligence.
Events beyond our reasonable control.
Nothing in these Terms shall exclude liability that cannot legally be excluded under applicable law.
22. INDEMNIFICATION
You agree to indemnify and hold harmless Shandilya Telefintech, its directors, employees, representatives, service providers and Partners against claims, losses, liabilities, costs or expenses arising from:
Your violation of these Terms.
Your unlawful use of the Platform.
Your fraudulent or misleading activities.
Your violation of another person’s rights.
Your breach of applicable laws.
23. SUSPENSION OR TERMINATION
We may suspend or restrict your access to the Platform where we reasonably believe that:
You have violated these Terms.
You have provided false information.
You have engaged in fraudulent activity.
Your use creates a security or legal risk.
Your continued access is otherwise prohibited by applicable law.
24. CHANGES TO THESE TERMS
Shandilya Telefintech may update or modify these Terms from time to time.
Updated Terms will be published on the Platform with the revised effective date.
Your continued use of the Platform after such changes may constitute acceptance of the updated Terms.
25. GOVERNING LAW
These Terms shall be governed by and interpreted in accordance with the laws of India.
Any dispute arising in connection with these Terms shall be subject to the jurisdiction of the courts having appropriate jurisdiction over the matter.
[Insert final jurisdiction/city after legal verification.]
26. GRIEVANCE REDRESSAL
If you have any questions, complaints or concerns regarding the Platform or services, you may contact our grievance/support team through the official contact details provided on the website.
Shandilya Telefintech
Email: [support@yourdomain.com]
Phone: [Phone Number]
Address: [Registered Office Address]
We will endeavour to review and address complaints within the applicable timelines.
27. ENTIRE AGREEMENT
These Terms, together with our Privacy Policy and any additional terms applicable to specific products or services, constitute the agreement governing your use of the Platform.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue to remain effective.
28. CONTACT US
If you have any questions regarding these Terms and Conditions, please contact:
Shandilya Telefintech
Email: [Official Email]
Phone: [Official Contact Number]
Address: [Registered Office Address]