Terms of use

Last Updated: 03/09/2024

Welcome to Finyman! These Terms of Use (“Terms”) govern your access to and utilization of our platform, services, and website (collectively, the “Services”) that we offer from our company “M/S Mrunal Financial Services”. By accessing or employing the Services, you explicitly acknowledge and agree to be bound by these Terms.

These terms and conditions outline the rules and regulations for the use of "M/S Mrunal Financial Services" Website, located at https://www.finyman.com.

1. Acceptance of Terms

   1. These Terms constitute a legally binding agreement between you and “M/S Mrunal Financial Services”. Your use of the Services unequivocally signifies your acceptance of these Terms. If you do not consent to any provision of these Terms, you are hereby prohibited from using the Services

2. Eligibility

   1. You must be at least 18 years of age and possess the legal capacity to enter into binding contracts to utilize our Services. By accessing the Services, you represent and warrant that you satisfy these requirements.

3. Description of Services

   1. Our Services facilitate the submission of personal and financial information through forms provided by your financial or insurance agent (“Agent”). This information is employed by the Agent to identify and offer financial products, including but not limited to insurance policies and mutual funds, that are tailored to your needs.

4. User Responsibilities

   1. Accurate Information: You agree to provide information that is accurate, current, and complete when using the Services.

   2. Use of Data: By submitting your personal information, you consent to its use by your Agent to identify suitable financial products and to share it with relevant financial institutions, in accordance with applicable laws.

   3. Compliance: You agree to adhere to all applicable laws, regulations, and legal requirements in your use of the Services.

5. Privacy and Data Processing

   1. Data Collection: We collect personal data that you or your Agent provide through the Platform. For comprehensive details on our data collection practices, please consult our Privacy Policy.

   2. Data Sharing: Your personal data may be disclosed to financial institutions such as insurance companies or mutual fund providers to assist in identifying appropriate financial products. Your Agent is solely responsible for ensuring compliance with applicable data protection laws in relation to such data sharing.

6. Account Security

   1. If an account is provided to you for accessing the Services, you are solely responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account. You must promptly notify us of any unauthorized use of your account or any breach of security.

7. Restrictions on Use

   1. You agree not to engage in the following activities:

      1. Illegal or Unauthorized Purposes: Using the Services for any illegal or unauthorized purpose.

      2. Interference: Interfering with or disrupting the Services, servers, or networks connected to the Services.

      3. Unauthorized Access: Attempting to gain unauthorized access to any part of the Services or its related systems or networks.

      4. Transmission of Harmful Code: Using the Services to transmit any harmful or malicious code or to engage in any activity that disrupts the functionality of the Services.

8. Intellectual Property

   1. All content, trademarks, logos, databases, source code, and other intellectual property rights related to the Services are the exclusive property of “M/S Mrunal Financial Services” or its licensors. Any unauthorized use, reproduction, modification, or distribution of such content is strictly prohibited without our prior written consent.

   2. Our Intellectual Property: All original content on the Platform, including but not limited to text, graphics, logos, images, software, and source code, is the exclusive property of M/S Mrunal Financial Services or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws. Unauthorized use, reproduction, or distribution of any material from the Platform is strictly prohibited. Any rights not expressly granted in these Terms are reserved by M/S Mrunal Financial Services.

   3. Third-Party Content: The Platform may contain images, graphics, or other content that is licensed from third-party providers, including stock image libraries or other sources. M/S Mrunal Financial Services does not claim ownership of such third-party content. The use of any third-party content is subject to the applicable license agreements or terms of use provided by the content’s original creator or owner. You agree not to use, reproduce, or distribute any third-party content in a manner that would violate the rights of the content owner or applicable licensing terms.

   4. Third-Party Trademarks: The logos, trademarks, and brand names of third-party insurance companies, mutual fund providers, and other financial institutions that may appear on the Platform are the property of their respective owners. These are used solely for the purpose of informing End Users about the types of financial products that Agents may offer through the Platform. M/S Mrunal Financial Services does not claim any ownership rights in these logos or trademarks. Their appearance on the Platform does not imply any endorsement or affiliation with M/S Mrunal Financial Services.

   5. Usage Limitations: You agree not to use, reproduce, or distribute any of our content, third-party content, or third-party trademarks in any manner that could infringe upon the rights of M/S Mrunal Financial Services, third-party content providers, or trademark owners, including any use that could confuse or mislead users about the source of the services provided through the Platform.

9. Termination

   1. We reserve the right, in our sole discretion, to suspend or terminate your access to the Services at any time, without prior notice, for conduct that we believe violates these Terms, is detrimental to other users of the Services, or is otherwise illegal or unethical.

10. Disclaimers and Limitation of Liability

    1. Disclaimer: The Services are provided on an “as is” and “as available” basis, without any warranties or representations of any kind, whether express or implied, including but not limited to the accuracy, completeness, or reliability of the Services.

    2. Limitation of Liability: To the fullest extent permitted by applicable law, “M/S Mrunal Financial Services” shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenue, whether incurred directly or indirectly, or any loss of data, use, or goodwill, arising out of your access to or use of the Services.

    3. Liability Cap: In no event shall “M/S Mrunal Financial Services”’s total liability to you for all direct damages exceed INR ₹10,000, or such other amount as may be required by applicable law.

11. Governing Law

    1. These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of laws principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of [Jurisdiction].

12. Changes to the Terms

    1. We reserve the right to amend these Terms from time to time. If material changes are made, we will provide notice through the Services or by other means. Your continued use of the Services after the changes become effective constitutes your acceptance of the amended Terms.

13. Contact Information

    1. For any inquiries or concerns regarding these Terms or the Services, please contact us at contact@finyman.com