Plain-language summary
Finnessa provides loan guidance and process assistance. We do not lend money, make credit decisions, or promise approval, a rate, a sanction amount, or a disbursement timeline. Every loan remains subject to the chosen lender's assessment and final terms.
1. Acceptance and eligibility
These Terms & Conditions apply to your access to https://finnessa.comand your use of its information, calculators, contact links, and enquiry facilities. By using the website, you confirm that you have read and agree to these terms together with our Privacy Policy and Disclaimer. If you do not agree, please stop using the website.
You must be legally capable of entering into a binding agreement and must use the site only for lawful purposes. If you use it on behalf of a business or another person, you confirm that you have authority to do so.
2. Our advisory and assistance role
Finnessa Advisory Private Limited is a professional loan advisory and assistance company. Depending on your requirement, our support may include discussing broad loan options, helping you understand common eligibility or document expectations, and assisting with practical communication or process steps.
We are not a bank, non-banking financial company, credit bureau, or lender. Website content and conversations with our team do not constitute a loan offer, sanction letter, credit decision, or commitment to arrange finance. Nothing on this website is legal, tax, accounting, investment, or independent financial-planning advice.
Availability and scope of assistance can vary by location, applicant profile, loan type, lender requirements, and applicable law. We may decline or discontinue assistance where a request is incomplete, unlawful, misleading, abusive, outside our service scope, or otherwise unsuitable to progress.
3. Lender decisions, rates, and charges
Approval, rejection, sanction amount, interest rate, fees, security requirements, tenure, conditions, and disbursement are determined solely by the relevant lender under its current policies. Decisions may depend on eligibility, income, existing obligations, credit history, property or business assessment, documentation, verification, risk checks, and regulatory rules.
No approval, lowest rate, fixed rate, processing time, or outcome is guaranteed. A lender may change or withdraw an indicative proposal before final sanction or disbursement. You are responsible for reading the lender's final agreement, schedule of charges, key fact statement, repayment obligations, and all other binding documents before accepting a facility.
Any Finnessa professional or service fee, if applicable to a particular engagement, should be communicated before you agree to it. Lender charges, taxes, valuation, legal, insurance, and third-party costs are separate and governed by the relevant provider's terms. Do not pay an unverified person or account.
4. Your responsibilities
You agree to act honestly and carefully throughout an enquiry or application process. In particular, you are responsible for:
- providing accurate, current, complete, and lawful information
- reviewing every lender document and checking material terms
- obtaining independent professional advice where appropriate
- keeping passwords, OTPs, account access, and devices secure
- using only verified contact details and payment instructions
- promptly correcting information that becomes inaccurate
- complying with applicable law and lender verification requests
- making your own informed borrowing and repayment decision
Never enter or send Aadhaar or PAN numbers, bank statements, account or card details, CVV, passwords, OTPs, or document images through the public website enquiry form. It is designed only for the initial fields shown on the form and has no upload function.
5. Enquiries, consent, and communications
By submitting the enquiry form and selecting the consent box, you ask Finnessa Advisory to contact you about that enquiry using the mobile number and email address provided. Contact may occur by telephone, email, or WhatsApp as reasonably connected with your request. Standard carrier or data charges may apply.
You can ask us to stop future follow-up. A request to stop contact does not invalidate communications already made, records we are legally entitled or required to retain, or essential messages about an active request. Electronic communications can be delayed, intercepted, misdirected, or unavailable, so urgent matters should be confirmed directly.
A website enquiry is preliminary. It is not a formal application to a lender and does not, by itself, authorize Finnessa or a lender to obtain your credit report. Any later application, verification, document collection, or credit check will be subject to a separate process and applicable consent.
6. Lenders and third-party services
References to banks, financial institutions, loan products, or third-party brands are descriptive. They do not by themselves establish an official partnership, endorsement, exclusivity, or agency relationship. Any lender you choose has independent terms, privacy practices, underwriting standards, and responsibilities.
The website may link to WhatsApp, Google Maps, email applications, lender sites, or other external services for convenience. We do not control their availability, content, security, or privacy practices. Access is at your discretion and subject to the third party's terms.
Where you later ask us to assist with a lender process, we may communicate relevant information to selected institutions with your knowledge or as reasonably needed for the requested service. A lender remains solely responsible for its decisions and regulated lending activities.
7. Website information, EMI estimates, and ownership
Website information is general and may not reflect the latest lender policy or your circumstances. Common eligibility factors, document lists, timelines, and product descriptions are illustrative, not exhaustive requirements or promises.
EMI calculator results are mathematical estimates based only on the amount, annual interest rate, and tenure entered. Actual EMI, annual percentage rate, interest, fees, insurance, taxes, prepayment terms, and total cost may differ. Calculator output is not a quotation, sanction, repayment schedule, or financial recommendation.
Unless otherwise stated, website design, branding, copy, graphics, and original materials belong to Finnessa Advisory Private Limited or are used with permission. You may view and print reasonable extracts for personal, non-commercial use, but may not scrape, reproduce, misrepresent, resell, reverse engineer, disrupt, or exploit the website or its content without authorization.
8. Availability, changes, and limitation of liability
We aim to keep the website useful and secure but do not warrant uninterrupted access, error-free content, compatibility with every device, or freedom from all harmful components. We may update, suspend, restrict, or remove any part of the site or these terms when reasonably necessary.
To the maximum extent permitted by applicable law, Finnessa is not responsible for a lender's decision, third-party act or omission, market or policy change, inaccurate information supplied by a user, or indirect or consequential loss arising from reliance on general website content. Nothing in these terms excludes a responsibility that cannot lawfully be excluded or limited.
If any provision is held invalid or unenforceable, the remaining provisions continue in effect. A delay in enforcing a right does not waive that right. These terms, the Privacy Policy, and the Disclaimer form the website-use agreement and do not replace a separate written engagement or lender agreement.
9. Governing law and contact
These website terms are governed by the laws of India. Subject to any mandatory consumer right or jurisdiction that applies, courts of competent jurisdiction in Pune, Maharashtra will have jurisdiction over disputes relating to website use.
Questions about these terms can be sent to the contact details below. Please do not send confidential identity or financial credentials in an ordinary email.