FinRich Terms and Condition

FinRich — Terms of Service

FinRich Terms of Service

Effective date: October 14, 2026

FinRich does not offer loans. FinRich is an information and calculation tool only. We do not lend money, arrange or broker loans, accept or approve applications, or disburse funds, and we are not a bank, lender, credit broker or financial adviser. Any lender mentioned or implied in the app is a generic example, not a partner.

These Terms govern your use of the FinRich iOS app ("FinRich", "the app"), provided by [Legal entity name] ("we", "us"). By downloading or using the app you agree to these Terms. If you do not agree, do not use the app.

1. What the app provides

  • EMI and repayment calculators, loan-scenario comparison, savings (FD/RD) calculators and unit converters.
  • A short "Fit Check" questionnaire that returns an indicative estimate from the answers you give.
  • General educational content such as document checklists and money tips.

The app does not process loan applications, does not connect you to lenders, and does not guarantee that any lender will offer you credit on any terms.

2. Estimates only — no advice

All figures are estimates based on the values you enter and on simplified formulas. Actual rates, fees, charges, eligibility and approval are decided solely by the financial institution you deal with and may differ materially. Nothing in the app is financial, legal, tax or investment advice. Consult a qualified professional before making financial decisions. You use the results at your own risk.

3. Eligibility and acceptable use

You must be at least 18 years old (or the age of majority where you live). You agree not to: reverse engineer, copy or resell the app; interfere with its operation or security; use it unlawfully or to mislead others; or use automated means to access it.

4. Advertising and third-party services

The app is free and supported by advertising delivered by third parties (for example Google AdMob). We do not control or endorse ads or any third-party products they promote, and any dealings with advertisers are between you and them. Use of data by these services is described in our Privacy Policy.

5. Intellectual property

The app, its content, design and trademarks belong to us or our licensors. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the app for personal, non-commercial purposes on devices you own or control, subject to these Terms and Apple's usage rules.

6. Your feedback

If you send us feedback or ideas, you allow us to use them without obligation or compensation. Do not send confidential or sensitive financial information through the contact form.

7. Disclaimer of warranties

The app is provided "as is" and "as available", without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, availability and non-infringement, to the fullest extent permitted by law.

8. Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data or opportunity, arising from your use of or inability to use the app or from reliance on its estimates. Our total liability for any claim is limited to the amount you paid for the app (which is zero for the free app). Nothing in these Terms limits liability that cannot be limited by law.

9. Indemnity

You agree to indemnify us against claims arising from your breach of these Terms or misuse of the app, to the extent permitted by law.

10. Changes and termination

We may change the app or these Terms, or suspend or end access, at any time. Continued use after a change means you accept the updated Terms. You may stop using the app at any time by deleting it.

11. Apple-specific terms

  • These Terms are between you and us, not Apple. Apple is not responsible for the app or its content.
  • Apple has no obligation to provide maintenance or support for the app.
  • If the app fails to conform to a warranty, you may notify Apple for a refund of the purchase price (if any); Apple has no other warranty obligation.
  • We, not Apple, are responsible for addressing claims relating to the app, including product liability, legal compliance and intellectual-property claims.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
  • You confirm you are not located in a country subject to a U.S. embargo and are not on a U.S. prohibited-party list.

12. Governing law

These Terms are governed by the laws of India, without regard to conflict-of-law rules. Courts of Gujarat have exclusive jurisdiction, except where mandatory consumer law gives you the right to bring a claim in your home jurisdiction.

13. Contact

Email: sudipkhokhar8@gmail.com

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