Legal Information

Overview of Finxora policies

Terms of Service

The Terms of Service govern access to Finxora's website, services and features, and identify Finxora as a product of Enreta Services Pvt Ltd. They require users to be at least 18 and capable of entering a legally binding agreement. Account holders must provide accurate, complete information and keep their login credentials secure. The terms prohibit false or fraudulent uploads, infringement of rights, attempts to breach security and illegal or unauthorized use.

Users retain ownership of uploaded data while granting a license for report generation and platform functionality. The terms state that Finxora does not guarantee loan approval or provide financial advice, and users must review and validate reports before submission. They also address pricing, payment processing, intellectual property, warranties, liability and termination of access. Indian law governs the terms, with disputes subject to the courts in Bhopal, India.

Privacy Policy

The Privacy Policy describes information collected from website visitors and customers, including contact, business, billing, demographic and website-usage information. It explains direct collection through registration and enquiries, passive collection through analytics and cookies, and information received from third parties. Described uses include responding to requests, improving services, security, marketing and transactional communications. The policy also explains sharing with service providers and business partners, legal disclosures and business succession.

Marketing emails can be stopped through the unsubscribe link or by emailing finxora@gmail.com, while transactional messages may continue. The policy distinguishes external websites' privacy practices and provides grievance contact details and information about policy updates.

Refund Policy

The Refund Policy generally excludes refunds after a subscription period begins or a service is used, and excludes refunds or credits for partial periods or unused services. It states that cancellation takes effect at the end of the current billing cycle, with access continuing through the paid period. Exceptional requests may be considered for incorrect billing or unresolved technical problems that prevent service use. Requests should include an explanation and relevant documentation, such as screenshots or transaction details, sent to finxora@gmail.com. Approved refunds are typically credited to the original payment method within 7-10 business days, with timing dependent on the bank or payment processor.