Terms and Conditions
1. Acceptance of Terms
By accessing or using Horifin's services, including our loan products, Recurring Deposit (RD) plans, Fixed Deposit (FD) plans, and Monthly Income Scheme (MIS) plans, you agree to be bound by these Terms and Conditions. If you disagree with any part of the terms, you may not access our services.
2. Use of Services
Our services are intended for personal and non-commercial use. You agree not to misuse our services or help anyone else do so. Specifically, you agree not to:
- Use our services for any illegal purposes
- Submit false or misleading information when applying for our financial products
- Attempt to gain unauthorized access to our systems or user accounts
- Interfere with or disrupt the integrity or performance of our services
3. Loan Terms
When applying for a loan through Horifin:
- You must provide accurate and complete information
- We reserve the right to approve or deny loan applications based on our assessment criteria
- Interest rates and repayment terms will be clearly communicated before loan disbursement
- You agree to repay the loan according to the agreed-upon schedule
4. Deposit Plans (RD, FD, MIS)
For our deposit plans:
- Minimum deposit amounts and tenure options are subject to change
- Interest rates are subject to market conditions and may be revised periodically
- Early withdrawal may result in reduced interest or penalties as per the plan's terms
- We reserve the right to modify or discontinue any plan with appropriate notice
5. Account Security
You are responsible for maintaining the confidentiality of your account information and password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
6. Privacy Policy
Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
7. Modifications to Services
We reserve the right to modify, suspend, or discontinue any part of our services at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of our services.
8. Limitation of Liability
To the fullest extent permitted by law, Horifin shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services.
9. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.
10. Contact Information
If you have any questions about these Terms and Conditions, please contact us at horifinindiapvtltd.info@gmail.com.
12. Local Laws
The company controls and operates this Platform from its headquarters in Varanasi and Mau, India and makes no representation that the Services offered on the Platform are appropriate or available for use in other locations or jurisdictions. If you use this Platform from other locations/jurisdiction, you are responsible for compliance with applicable local laws (including the taxation aspect, Fiscal and Economic Laws) and regulations including but not limited to the export and import regulations of other countries.
Unless otherwise explicitly stated, all marketing or promotional materials found on this Platform are solely directed to individuals, companies or other entities located in India and comply with the laws prevailing for the time being in force in India.
By agreeing to these terms and conditions of use, you confirm and undertake that neither you nor any of your representatives shall have the right to challenge the governing law and jurisdiction as more specifically set out herein and/or in Part B (Special and Additional Terms and Conditions) as the case maybe.
13. Your Telephone Calls and Feedback
Your Telephone Calls:
Telephone calls that you make to our customer service help line on the numbers mentioned in the Contact Us section of the Platform or calls made by our support desk may be monitored or recorded. This will help us to train our staff and improve our services to you. A recording will only be used under proper and careful supervision. Our customer service help line is available on the times notified in the Contact Us section of the Platform. Your telecom provider will charge you at local rates for calls made to non-toll-free numbers. Any solicitation talks shall not be entertained and you as a user of the Platform are bound to maintain the dignity as a tele-talker. All rules and regulations as applicable to telephone calls/Tele-Talks in this regard shall apply and you as a user are bound to comply with the same.
Feedback:
Your feedback makes us better. Please feel free to share it with us. We will assume no responsibility for reviewing unsolicited ideas and will not incur any liability as a result of any similarities between those ideas and materials that may appear in future the company programs. Please do not reveal trade secrets or other confidential information in your messages to the company. Any and all rights to materials submitted to us become the exclusive property of the company. The company is not bound to act or implement any discretionary measures against any complaint/feedback received. However, the company in good faith shall use its best efforts to use the same in a positive way and shall endeavor to take reasonable efforts to improve/improvise the Platform to the extent possible.