Terms and Conditions
Last updated: 16 September 2026
These Terms and Conditions govern your use of the Finocircle Finserv website and services. By using our website, contacting us, submitting an enquiry, or sharing documents, you agree to these terms.
1. Business Information
Business name: Finocircle Finserv
Email: support@finocirclefinserv.com
Phone / WhatsApp: +91 97271 07774
Office address: Office No. 310, Surat Digital Valley, Near Moon Garden, Utran, Surat 394105, Gujarat, India.
2. Nature of Services
Finocircle Finserv provides loan assistance, financial-service guidance, documentation support, and coordination support for products such as OD / CC, CGTMSE, Business Loan, Personal Loan, Home Loan, Mortgage Loan, and Machinery Loan. We may coordinate with banks, NBFCs, housing finance companies, and other financial institutions based on your requirement.
3. Not a Bank or Direct Lender
Finocircle Finserv is not a bank, NBFC, or lender unless expressly stated in writing. We do not independently sanction, approve, disburse, or reject loans. Loan approval, interest rate, processing fee, tenure, collateral requirement, documentation, and disbursement are solely decided by the relevant bank, NBFC, or financial institution.
4. No Guaranteed Approval
Any discussion, eligibility check, document review, or preliminary guidance provided by Finocircle Finserv does not guarantee loan approval. Approval depends on lender policies, credit score, income, banking behaviour, repayment capacity, documentation, property valuation where applicable, business profile, and other criteria.
5. User Responsibilities
You agree to provide accurate, complete, and genuine information and documents. You must not submit forged, misleading, incomplete, or false information. Any loss, rejection, delay, legal issue, or lender action arising from incorrect information will be your responsibility.
6. Documents and Verification
Documents requested may include PAN, Aadhaar, address proof, bank statements, income proof, ITR, GST returns, business proof, property documents, machinery quotation, and other documents depending on the product and lender. Additional documents may be requested by lenders during processing.
7. Fees and Charges
Bank or lender charges may include processing fees, legal fees, valuation fees, stamp duty, insurance, documentation charges, foreclosure charges, late payment charges, and other applicable fees. Any Finocircle Finserv service charge, if applicable, will be communicated before proceeding. Government taxes may apply as per law.
8. Interest Rates and Loan Terms
Interest rates, loan amount, margin, tenure, EMI, security, collateral, and repayment terms are subject to lender policies and may change without prior notice. Information shown on the website or communicated verbally is indicative and not a final offer.
9. Third-Party Partners
We may coordinate with banks, NBFCs, financial institutions, verification agencies, and service partners. Finocircle Finserv is not responsible for delays, policy changes, rejections, technical issues, or decisions made by third parties.
10. WhatsApp and Electronic Communication
By contacting us through WhatsApp, phone, email, website, or lead forms, you consent to receive communication related to your enquiry, loan options, documents, verification, follow-up, and service updates. You may request to stop communication at any time.
11. Website Information
The information on this website is for general guidance only and should not be treated as legal, tax, investment, or financial advice. Users should evaluate lender terms carefully before accepting any loan offer.
12. Limitation of Liability
Finocircle Finserv will not be liable for any direct or indirect loss, rejection, delay, credit impact, financial loss, opportunity loss, or dispute arising from lender decisions, third-party actions, user-provided information, or use of this website.
13. Intellectual Property
Website content, layout, branding, text, graphics, and design elements belong to Finocircle Finserv or their respective owners. You may not copy, reproduce, or misuse website content without permission.
14. Prohibited Use
You must not misuse the website, attempt unauthorised access, submit false applications, upload harmful files, impersonate others, or use our services for unlawful activities.
15. Privacy
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, share, and protect personal information.
16. Changes to Terms
We may update these Terms and Conditions from time to time. Continued use of the website or services after updates means you accept the revised terms.
17. Governing Law and Jurisdiction
These terms are governed by the laws of India. Any dispute will be subject to the jurisdiction of courts and authorities in Surat, Gujarat, unless otherwise required by applicable law.
18. Contact Us
For questions about these Terms and Conditions, contact Finocircle Finserv at support@finocirclefinserv.com or WhatsApp/call +91 97271 07774.