Terms & Conditions

1. Introduction

Paifi is a digital platform that helps users find, compare, and access financial services such as personal loans, business loans, and other financial products offered by verified lenders. By using our services, you acknowledge that you have read and agreed to these Terms & Conditions. These terms govern your use of our platform, website, mobile apps, and any associated services.

2. Eligibility

To use Paifi services, you must be at least 18 years old and legally competent. You are responsible for providing complete, accurate, and up-to-date personal information. Providing false, misleading, or incomplete information may result in refusal of services, account suspension, or legal consequences.

By using our platform, you agree that you have the authority to submit your information and consent to its processing as outlined in our Privacy Policy.

3. Use of Our Services

Paifi acts as an intermediary between you and verified financial institutions. While we strive to provide accurate and timely information, we do not guarantee loan approvals, rates, or terms offered by third-party lenders.

You agree to use our platform responsibly and refrain from activities that may:

• Engage in fraudulent, illegal, or unauthorized activities
• Attempt to harm or disrupt the platform’s functionality
• Misuse information obtained from the platform

4. Loan Applications and Process

When applying for a loan through Paifi, your information is shared securely with the relevant lender(s) to process your application. The decision to approve or reject any loan rests solely with the lender. Paifi does not provide loans directly.

You are responsible for:

• Ensuring that all submitted information is accurate, complete, and current
• Reviewing loan terms, repayment schedules, and interest rates provided by the lender
• Maintaining secure access to your account and personal documents

5. Data Privacy and Security

Paifi is committed to protecting your personal and financial information. All data collected is managed in accordance with our Privacy Policy and applicable data protection laws.

By using our platform, you consent to:

• Collection, storage, and processing of your personal and financial data
• Sharing necessary information securely with verified lenders for processing loan requests
• Receiving communications related to your account, loan offers, and updates

6. Prohibited Activities

You agree not to:

• Submit false, misleading, or fraudulent information
• Use the platform for unlawful or harmful purposes
• Attempt to access or interfere with the platform, systems, or data of others
• Copy, distribute, or republish content from the platform without authorization

7. Limitation of Liability

Paifi provides information and a connection to lenders but is not responsible for loan approvals, disbursements, or any decisions made by lenders. We shall not be liable for direct, indirect, incidental, or consequential damages arising from your use of the platform, including but not limited to:

• Errors in information or data transmission
• Delays or interruptions in service
• Any losses resulting from interactions with lenders

8. Modification of Terms

Paifi reserves the right to update, amend, or modify these Terms & Conditions at any time. Changes will be communicated on the website. Continued use of our services after modifications constitutes your acceptance.

9. Governing Law

These terms are governed by the laws of India. Any disputes arising from your use of Paifi services shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.