Terms & Conditions

It is hereby clarified that the term “Users” shall mean any person using the Website i.e. consumers, financial institutions, data partners and other partners. Your use of this Website implies that you have read, understood and agreed to abide by following, disclaimer, terms & conditions (“Terms & Conditions”). These Terms & Conditions together with our privacy policy as provided on the Website (“Privacy Policy”) govern your usage of the Website. If you disagree with any part of these terms and conditions, please do not use the Website

• General

The Website provides access to an online platform (“Platform”) bringing together consumers, financial institutions, data partners and other partners willing to abide by the Terms & Conditions herein.

• Eligibility

The User of this Website unequivocally declares and agrees that the User is a natural and legal person who has attained the age of at least 18 years and is legally allowed to enter into a contract in India. The User is allowed to utilize the services of the Website in accordance with the terms and conditions detailed hereinafter. In case, we choose not to charge any fee for the services provided in the Website, by registering on the Website, the User hereby undertakes to agree and abide by the Terms and Conditions detailed hereinafter. If the User violates any of these Terms & Conditions, or otherwise violate an agreement entered into through the medium of the Website, we may terminate the User’s membership, delete his/her profile and any content or information posted online by the User on the Website and/or prohibit the User from using or accessing the Platform through the Website at any time in its sole discretion, with or without notice, including without limitation if it believes that you are under 18 years of age.

• Acceptance of Terms and Conditions

As a User of this Website, you have agreed to the Terms and Conditions that we have provided hereunder or anywhere else on this Website including but not limited to disclaimers on this Website. You are advised to read and understand the said Terms and Conditions and in case you do not wish to agree to these Terms and Conditions, please refrain from using the Website.

The Website is an online platform providing Users registered on the Website with access to database of the Users. The information is also shared with third party verification agencies, collection agencies etc. We are a service provider facilitating the access between a person willing to lend and a person in need of borrowing. The final decision as regards lending and borrowing is also subject to the choice of the respective Users in their respective capacities as lenders/borrowers/users of other financial products as set out in the Website. Further, we provide support to the Users in verifying the financial capabilities of Users.

We reserve the right, at its sole discretion, to change, modify, add or remove portions of these Terms and Conditions, at any time without any prior written notice to the User. It is the User’s responsibility to review these Terms and Conditions periodically for any updates/changes. User’s continued use of the Website following the posting of changes will mean that the User has accepted and agreed to the revisions.

• Your Account

If you wish to use the Website, you are required to maintain an account and will be required to furnish certain information and details, including your name, email id, contact number and any other information deemed necessary by us. You are responsible for maintaining the confidentiality and security of Your Account, password, activities that occur on or through Your Account and for restricting access to your computer to prevent unauthorized access to Your Account. You agree to accept responsibility for all activities that occur under Your Account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorized manner. Please ensure that the details you provide us with are true, correct, accurate and complete and inform us immediately of any changes to the information that you provided when registering. You can access and update most of the information you provided us with in the ‘dashboard’ area of the website after you log-in or by reaching out to us through our “Contact Us” Page. We reserve the right to refuse access to the website, terminate accounts, remove or edit content at any time without notice to you. The right to use this Website is personal to the User and is not transferable to any other person or entity. We shall not be responsible for any data lost while transmitting information on the internet. Further, it is to be noted that all the information provided shall be solely used for provided the services as set out herein.

The User also unequivocally agrees to provide true, accurate, current and complete information about as sought by the registration form of the Website. Upon Stashfin gaining knowledge of having any reasonable suspicion that the information provided by you is wrong, inaccurate or incorrect, we shall immediately terminate Your Account without any notice to you in this regard. You shall at all times abide by the Terms and Conditions stated herein and any breach of these conditions may also lead to Stashfin terminating Your Account and appropriate civil and criminal remedies will be sought against you as provided under the laws of India.

Your personal information as User of this Website shall not be shared by us to any unrelated third parties without your consent. However, in case any such information is required to be shared with a third party as directed and authorized by law or court order or any such authority legally allowed to ask for such information, we will be at liberty to share such information. Further, the Users also acknowledge that the document uploaded by the Users shall be used by us and other Users to verify, perform data analytics and other such activities on the uploaded documents and further, provide such information as may be necessary to the other Users for the facilitating the services being provided herein, For details please go through our Privacy Policy.

• License and Site Access

Stashfin grants you a limited license to access and make personal use of the Website, but not to download any material from it (other than page caching) or modify it, or any portion of it, except with express written consent of Stashfin and or its affiliates, as may be applicable. Any unauthorized access to the Website or any networks, servers or computer systems connected to Website and any attempt to modify, adapt, translate or reverse engineer any part of the Website or re-format or frame any portion of the pages of the Website, save to the extent expressly permitted by these Terms and Conditions, is not permitted. This license is non-transferable and does not permit any resale or commercial use of this website or its contents; any downloading or copying of account information for the benefit of anyone other than your use; or any use of data mining, robots, or similar data gathering and extraction tools. This Website or any portion of this Website (including but not limited to any copyrighted material, trademarks, or other proprietary information) may not be reproduced, duplicated, copied, sold, resold, visited, distributed or otherwise exploited for any commercial purpose without express written consent of Stashfin and or its affiliates, as may be applicable. Any unauthorized use of the Website shall terminate the permission or revoke the license granted by Stashfin.

• Monitoring of the Website and Your Account

Stashfin has the right and liberty to monitor the content of the Website at all times which shall include information provided in Your Account. The monitoring of the Website is important to determine the veracity of the information provided by you and that every User remains in consonance with the Terms and Conditions provided herein. Subject to the Terms and Conditions mentioned herein Stashfin shall also have the liberty to remove any objectionable content which is in contravention of the Terms and Conditions herein or share such information with any governmental authority as per procedures laid down by the law for the time being in force in India.

• Service Suspension

We may wish to stop providing the services through the Website, and may terminate use of it at any time without giving notice of termination to you. Unless we inform the User otherwise, upon any termination, (a) the rights and licenses granted to the user in these terms will end; and (b) User must stop using the Website. Stashfin reserves the right to suspend or cease providing any service related to the Website and shall have no liability or responsibility to the User in any manner whatsoever if it chooses to do so.

• Limitation of Liability and Disclaimer of Warranties

Not with standing anything to the contrary contained herein, neither Stashfin nor its affiliated companies, subsidiaries, officers, directors, employees or any related party shall have any liability to you or to any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or relating to these terms and conditions. To the maximum extent permitted by law, you waive, release, discharge and hold harmless Stashfin, its affiliated and subsidiary companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of your use of the Website.

As a User you also acknowledge that we have maintained and carried out all possible checks and balances to assure the credibility of the Users as listed on the Platform. The information provided on the Website is based on the information that is provided to us. In case the User does not disclose any information to us, and the same is not found out at the first instance by us despite all measures adopted to certify the ratings or credibility of a User, we shall not be responsible for any claims or liabilities. We, in any event are not responsible for any default in return of money that is borrowed from the lender and the lender shall have the exclusive right to initiate proceedings against the defaulter borrower. We shall to the best of our abilities aid the concerned User in terms of provision of information to initiate any legal proceedings. However, we shall not be responsible for any default on behalf of the User. We are an information platform and the User is entitled to conduct its own diligence before taking any steps to initiate the processes outlined in the Website.

Stashfin makes no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Website or that the operation of the Website will be error free and/or uninterrupted. Consequently, we assume no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website; and/or any interruption or errors in the operation of the Website. This limitation of liability clause shall prevail over any conflicting or inconsistent provision contained in any of the documents content comprising these Terms and Conditions. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, malware, Trojan horses and other items of a destructive nature.

• Indemnity

You agree to indemnify, save, and hold Stashfin, its affiliates, contractors, employees, officers, directors, agents and its third party associates, licensors, and partners harmless from any and all claims, demands, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to your use or misuse of the services or of the Website, any violation by you of these Terms and Conditions, or any breach of the representations, warranties, and covenants made by you herein or your infringement of any intellectual property or other right of any person or entity, or as a result of any threatening, libelous, obscene, harassing or offensive material posted/transmitted by you on the Website. Stashfin reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, including rights to settle, and you agree to cooperate with our defense and settlement of these claims. We will use reasonable efforts to notify you of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of these Terms and Conditions.

• Advertisers/Third Party Links on the Website

Stashfin accepts no responsibility for advertisements contained within the Website. We have no control over and accept no responsibility for the content of any website or mobile application to which a link from the Website exists. Such linked websites and mobile applications are provided “as is” for User’s convenience only with no warranty, express or implied, for the information provided within them. We do not provide any endorsement or recommendation of any third party website or mobile application to which the Website provides a link. Further, the Users consent and agree that the content provided in the Website shall be synced and shall be available in both mediums.

• Services, Use of Information and Consent

Stashfin will hereinafter be engaged in the provision of the following services:

• Provision of credit score, report and analysis: Your credit score along with the report and analysis will be available on the Website. Further, we will monitor and update these credit scores, reports and analysis on a periodic basis.
• Social Scoring: Provision of a social score based on User’s Facebook, Twitter, Linkedin or any other social media accounts that are linked with User’s account on the Website.
• The Company provides a Platform through the Website wherein the buyers can choose various Products of the sellers and purchase the same. The Company also provides other services as may be required from time to time, including the data analytics services etc.
• The Website displays a catalogue of financial products belonging to different Users which are being facilitated through the Website. You may browse through the products and provide us with your details. The representatives of the Company will contact You through phone on the phone number provided by You at the time as requested by the Website. Further, the Company reserves the right to provide you with further information about the products at such time as You may be willing to be contacted.
• By registering yourself at www.Stashfin.com you are authorizing us & our partnering Banks/NBFCs and Advertisers to give you a call/sms/e-mail to offer you their services for the product you have opted for, imparting product knowledge, offering promotional offers running on website & offers offered by the associated third parties. Irrespective of the fact that you have registered yourself under DND or DNC or NCPR service(s), you still authorize us to give you a call/sms/e-mail from Stashfin.com & partnering Banks/NBFCs and Advertisers for the above-mentioned purposes as long as Your Account is not deactivated by either you or us.
• By registering with Stashfin or beginning an application on the Stashfin website or mobile application for any product or service, you are consenting to be contacted by us through written notices, email messages, text messages, WhatsApp, Telegram or telephone, and, in connection with any such telephone calls, you consent to the use of pre-recorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your Stashfin account, including mobile telephone numbers we have for you in our records or from other public and nonpublic databases we may lawfully access. You hereby allow Stashfin to contact other individuals via your phone contact list and/or phone address book to provide updated employment, location, and contact information for you in case Stashfin is unable to reach you on your registered mobile number. You understand that anyone with access to your telephone or email account may listen to or read the messages Stashfin leaves or sends you, and you agree that Stashfin will have no liability for anyone accessing such messages. You expressly authorize Stashfin to monitor and record your calls with Stashfin. You agree that Stashfin may contact you using the information you provided with information and offers of services available through Stashfin website and mobile application.
• The Stashfin Website and/or Stashfin Mobile Application may contain services such as email, chat, text messages, automated IVR calls, calendars, and/or other messages. The User agrees and undertakes to use these communication services to post, send and receive messages and material that are proper and related to the particular communication.
• The user agrees and confirms that any benefits based on the Stashfin referral program(s) will be available only if the user or the individual(s) who have been referred by the user to Stashfin have paid their outstanding dues on or before the due date/EMI date and there are no defaults of any nature by the user or such a person who is referred. The user agrees and confirms that this clause shall prevail and override over other provisions of these terms or any other terms and conditions.

• Applicable Laws

Your use of this Website and any Term and Conditions stated in this policy is subject to laws of India. In case of any disputes arising out of the use of the Website, Courts of Delhi will have exclusive jurisdiction.

• Grievances

Users have complete authority to file a complaint/share feedback if they are disappointed by services rendered by Stashfin. They can give their complaint/feedback in writing or by way of an email to legal.reply@stashfin.com

• 0% interest for up to 30 days (“Offer”) terms and conditions

• If you are eligible for the Offer, then every time you transfer funds to yourself, you can repay the same amount at 0% interest rate before/on your Bill Date. We will be deducting up to 2.5% as transaction fees and applicable GST upfront on such transfer.
• The Offer is applicable only till your Bill Date. If you are not able to pay your Bill Amount on or before your Bill Date, then the amount that you have transferred to yourself will automatically get converted into EMIs and the tenure that you have selected before transferring the amount. While transferring the amount to yourself you will be able to see your Bill Amount and Bill Date along with the EMI Date and EMI Amount in your application.
• If the loan gets converted into EMIs then you will additionally be charged with the interest rate, Platform fees, upfront Interest (if applicable), credit shield fees (if you have selected) and GST.
• The Bill Date is 5 days before the EMI Due Date. The Bill Date is a fixed date, and the Offer will only be applicable till the Bill Date, irrespective of the number of days between the date on which the money was transferred to yourself and the Bill Date.
• The Bill Amount will not be auto-debited from your account. You will have to pay your Bill Amount on the Stashfin App before/ on your Bill Date.
• The Offer is only valid for select customers based on internal policies.
• By way of illustration, if you transfer funds of Rs. 10,000 on 1st January, your bill date is 25th January, the EMI date is 29th January (5 days after the Bill Date). Suppose the transaction fee is Rs. 250 (2.5%) and GST will be Rs. 36, hence the disbursal amount to you will be Rs. 9,714 and your Bill Amount will be Rs. 10,000. If you don’t pay your Bill Amount by your Bill Date then it will get converted into EMIs. You will then have to pay the interest rate, Platform fees, upfront Interest (if applicable), credit shield fees (if you have selected) and GST.

Disclaimer of Warranties

You expressly understand and agree that:

Your use of the service and all information, products and other content (including that of third parties) included in or accessible from the service is at your sole risk. The service is provided on an "as is" and "as available" basis. Company and service provider expressly disclaim all warranties of any kind as to the service and all information, products and other content (including that of third parties) included in or accessible from the service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Company and service provider make no warranty that:

1. The service will meet your requirements.
2. The service will be uninterrupted, timely, secure, or error-free.
3. The results that may be obtained from the use of the service will be accurate or reliable.
4. The quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations.
5. Any errors in the technology will be corrected.
6. And you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from a company or service provider through or from the service will create any warranty not expressly stated in these terms.

Limitation Of Liability

You agree that neither company nor service provider nor any of their affiliates, account providers or any of their affiliates will be liable for any harms, which lawyers and courts often call direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if company or service provider has been advised of the possibility of such damages, resulting from:

1. The use or the inability to use the service.
2. The cost of getting substitute goods and services.
3. Any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from the service.
4. Unauthorized access to or alteration of your transmissions or data.
5. Statements or conduct of anyone on the service.
6. The use, inability to use, unauthorized use, performance or non-performance of any third party account provider site, even if the provider has been advised previously of the possibility of such damages.
7. Any other matter relating to the service.

Indemnification

You agree to protect and fully compensate Company and Service Provider and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the Service, your violation of these terms or your infringement, or infringement by any other user of Your Account, of any intellectual property or other right of anyone.

You agree that Service Provider is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Service Provider were a party to these Terms and Conditions.

Documents policy

Stashfin does not return any customer documents including but not limited to IDs, Address proofs, bank statements and photographs. Stashfin may disclose the customer information documents to credit agencies bureaus, RBI or any other financial institution third party that may need the information as deemed necessary by Stashfin RBI or any other regulatory legal authority. In this regard, customer waives the privilege of privacy.

Refund Policy

Amount once paid shall not be refunded other than in the following circumstances:

1. TECHNICAL ISSUES
2. If the payment gets deducted from the payer’s account (on multiple occasions in an undue manner), and if it is undisputedly proved by the payee all the following,
   1. The amount is received in our account; and
   2. The amount paid is excess; and
   3. There is no setoff or entitlement on the payee (i.e., there is no outstanding towards payment obligations); and
   4. Due to technical issues.

1. OTHER ISSUES
2. Any refund due to other issues (if any arises) shall be only at our sole and absolute discretion.
3. GENERAL TERMS
   1. The General terms mentioned below will be applicable for all requests for refund for the reasons mentioned above shall be subject to the same. These general terms also deem to include our website terms and conditions, privacy policy, your user account terms and conditions (EULA), terms and conditions related to loans and other services availed using services in our platform and other disclaimers etc. The terms therein shall also be applicable for any refund request.
   2. Notwithstanding anything to the contrary,
      • Any refund to the payment shall also be subject to the production of proof by the payer that the service is not delivered after production of receipt proof of payment in our bank account.
      • The payer is also notified that only excess amounts after excluding payment gateway charges, taxes and payment towards the payer’s loans/ payment obligation would be considered for a refund.
      • No refund request will be entertained after 12 hours of the payment.
      • The payer shall be responsible for all payments irrespective of the refund request being investigated or disputed.
      • The payer acknowledges their obligation and responsibility towards timely payment to lenders on our platform or to the platform.
      • Any refund to the payer under these terms shall not discharge the payer from performing their payment obligations and other responsibilities towards payment to the lenders on our platform or to us.
   3. Subject to the satisfaction of the conditions mentioned in clauses 1, 2, 3.1 & 3.2 by the payer, we may consider a refund. In no other case, there shall be a refund. In an eligible case, the payer shall have to make an application in the prescribed format through https://www.stashfin.com/contact-us  for a refund with all the following details:
      • Transaction number and date.
      • Original payment receipt generated at the time of making payments.
      • Relevant bank statements and payment-related documents.
      • Proof that there is no payment obligation outstanding from the payer or the account to which the payment is made.
   4. The payer is notified that if the documents are insufficient, the refund request may not be considered at all. We will not be required to provide any specific reasons for the rejection of the request.
   5. The application with the required details and document will be considered for further processing only if required documentation is made available by the customer/payer.
   6. After verification, if the claim is found valid and provided that the proofs are identified to be valid by us, the amount received in excess will be refunded as mentioned in these presents. Our decision with respect to the validity and reliability of the proofs based on which refund is sought will be final.
   7. After we decide to refund the amount mentioned above and after the same, if communicated by us to the payer, it will take 3-21 Business days for the money to be shown in the payers’ bank account, depending on the payer’s bank’s policy. We will not be responsible or liable due to delay, which may happen due to requirements with the banking channel.

Stashcash earning and redemption - Terms and Conditions

• Stashcash programme is a rewards programme where our customers can earn or redeem their rewards based on the below conditions.
• Stashcash can only be earned through referrals on the below conditions.

• User has to repay on time without any default to be eligible for Loan closure reward.
• User can get Loan closure reward incase of FCP Loan and Foreclosure as well.
• Both referrer and referee are eligible for the reward only when Referee opens a Line of Credit.
• Stashcash will not be given if the referee has taken a Credit Builder Loan.
• 1 Stashcash = 1 Re.
• Earning of Stashcash varies from customer to customer and the segment of customer is based on Stashfin's sole discretion.
• Stashfin reserves the right to cancel, change or substitute the rewards, reward conditions or terms and conditions of the program at any time, without giving any intimation to the Card holder's. Stashfin can suspend or terminate the program at any time it deems necessary, without any liability for the Stashcash.
• Stashfin will not liable for any delay or loss in delivery of the redemption vouchers or gifts.
• Redemption orders cannot be cancelled or varied once the request has been placed.
• Stashfin reserves the right to extend or terminate this program without prior notice.
• Stashfin reserves all rights to make changes.
• Changes shall be binding on the Customers.
• Stashfin shall not be liable for any changes in terms and conditions.

Stashcash redemption:

• Customers can redeem their Stashcash only when they have earned 5000 Stashcash. They can redeem in multiples of 5000.
• If a customer goes on DPD (after 3 DPD), he or she can't redeem the accrued Stashcash.
• Redemption will only be against permitted vouchers.
• All earned Stashcash will expire on the 365th day of earning.
• Click here to know more about the Terms and Conditions of Amazon