Terms and Conditions
Last updated on September 15, 2023
Introduction
These Terms and Conditions ("Terms") govern your use of the Arth.fi platform ("Platform") and the services provided by Arth Finserve Private Limited ("Arth.fi," "we," "us," or "our"). By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Platform.
Eligibility
You must be at least 18 years old and a resident of India to use the Platform. You also represent and warrant that you have the legal capacity to enter into a binding contract.
Account Registration
To use certain features of the Platform, you may need to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to provide accurate and complete information during the registration process and to update your information as needed.
Loan Against Property
Eligibility: You must meet our eligibility criteria to avail of a loan against property. We may request additional information and documentation to assess your eligibility.
Loan Terms: The loan terms, including interest rate, repayment period, and other conditions, will be communicated to you before you accept the loan offer.
Property Valuation: We will conduct a valuation of your property to determine the loan amount.
Security: Your property will serve as collateral for the loan.
Repayment: You are responsible for making timely repayments as per the loan agreement. Failure to do so may result in penalties and legal action.
Investment in Stocks and Crypto
Investment Options: We offer a platform for investing in stocks and cryptocurrencies.
Risk Disclosure: Investments in stocks and cryptocurrencies are subject to market risks. You may lose some or all of your invested capital.
Investment Decisions: You are solely responsible for your investment decisions. We do not provide investment advice.
Third-Party Platforms: We may use third-party platforms to facilitate investments. You agree to comply with the terms and conditions of such platforms.
Fees and Charges
We may charge fees for our services, including loan processing fees, investment platform fees, and other applicable charges. The fees will be communicated to you transparently before you avail of any service.
User Conduct
You agree not to:
Use the Platform for any illegal or unauthorized purpose.
Violate any applicable laws or regulations.
Infringe on the intellectual property rights of others.
Engage in any activity that may disrupt or interfere with the proper functioning of the Platform.
Attempt to gain unauthorized access to the Platform or other users' accounts.
Privacy
Your privacy is important to us. Please refer to our Privacy Policy for information on how we collect, use, and share your personal information.
Disclaimer of Warranties
The Platform and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the Platform or services.
Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of the Platform or services.
Indemnification
You agree to indemnify and hold us harmless from any claims, losses, damages, liabilities, and expenses arising out of your use of the Platform or services or your violation of these Terms.
Termination
We may terminate or suspend your access to the Platform at any time for any reason without notice.
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in India
Modifications
We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the Platform. Your continued use of the Platform after any modifications constitutes your acceptance of the revised Terms.
Contact Us
If you have any questions or concerns regarding these Terms, please contact us at support@arthfi.com.
By using the Arth.fi Platform, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.
Privacy Policy
Last updated on September 15, 2023
About Us
Arth Finserve Private Limited ("Arth.fi," "we," "us," or "our") is committed to protecting the privacy of our users ("you" or "your"). This Privacy Policy explains how we collect, use, and share your personal information when you use our platform ("Platform") and services. By using the Platform, you consent to the collection, use, and sharing of your personal information as described in this Privacy Policy.
Personal data
We may collect the following types of personal information:
Personal Information: Name, address, email address, phone number, date of birth, PAN, Aadhaar, and other government-issued identification documents.
Financial Information: Bank account details, income details, credit history, and other financial information required for loan processing and investment services.
Usage Information: Information about how you use the Platform, including your IP address, device information, browser type, and pages visited.
Communication Information: Information you provide when you communicate with us, such as through emails or customer support inquiries.
How We Use Your Information
We may use your personal information for the following purposes:
Provide and improve our services: To process loan applications, facilitate investments, provide customer support, and improve the functionality and user experience of the Platform.
Communication: To send you updates, notifications, marketing materials, and other information related to our services.
Compliance: To comply with applicable laws, regulations, and legal processes.
Risk Management: To assess and manage risks associated with our services, including fraud prevention and anti-money laundering measures.
Analytics: To analyze user behavior and trends to improve our services and marketing efforts.
How We Share Your Information
We may share your personal information with the following parties:
Third-Party Service Providers: We may share your information with third-party service providers who assist us in providing our services, such as payment processors, credit bureaus, and investment platforms.
Regulatory Authorities: We may share your information with regulatory authorities, government agencies, and law enforcement agencies as required by law or to comply with legal processes.
Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring entity.
Data Security
We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee the absolute security of your information.