1. Acceptance of Terms
Welcome to FinHealth Solutions Pvt. Ltd. (“FinHealth”, “Company”, “we”, “our”, or “us”).
These Terms & Conditions govern your access to and use of our website https://finhealth.in/, platform, services, loan facilitation facilities, and related business activities.
By accessing our website, submitting an enquiry, registering your details, or using any of our services, you agree to comply with these Terms & Conditions.
If you do not agree with any part of these Terms, please discontinue using our website and services.
2. About FinHealth Solutions
FinHealth Solutions Pvt. Ltd. operates as a financial services and loan facilitation platform that helps individuals, patients, healthcare professionals, clinics, hospitals, and businesses access suitable financing options through its network of financial institutions and lending partners.
Our services may include:
- Medical Loan – No Cost EMI
- Personal Loan
- Business Loan
- Equipment Finance
- Loan Against Property (LAP)
- Loan Against Securities (LAS)
- Working Capital Finance
- Home Loan
- Healthcare Financing Solutions
- Financial Solutions for Clinics and Hospitals
Important: FinHealth facilitates access to financing options. Unless expressly stated otherwise in a separate written agreement, FinHealth is not itself the bank or NBFC providing the loan. Loan disbursement and lending decisions are made by the respective lending institutions.
3. Eligibility Criteria
To access our services, you must:
- Be at least 18 years of age.
- Be legally eligible to enter into a binding agreement under applicable Indian laws.
- Provide accurate, complete, and valid personal information.
- Have valid contact details, including a mobile number and email address.
- Meet the eligibility criteria of the relevant lending partner.
- Provide required KYC and supporting documents when requested.
- Not use our platform for any illegal, fraudulent, or unauthorised purpose.
Additional eligibility requirements may apply depending on the type of loan or financial service requested.
4. Loan Facilitation Services
FinHealth helps customers explore and access suitable loan and financing options through its lending partner network.
By submitting a loan enquiry or application, you understand and agree that:
- Loan approval is subject to the respective lender’s eligibility criteria and internal assessment.
- FinHealth does not guarantee loan approval or disbursement.
- Loan amounts, interest rates, processing fees, repayment periods, and other charges are determined by the respective lending institution.
- The lender may request additional documents or verification before making a decision.
- Loan applications may be approved, rejected, delayed, or cancelled by the lender.
- Any indicative loan offer displayed or communicated by FinHealth is subject to final lender approval and applicable terms.
Submitting an enquiry does not create any obligation on a lender to approve or disburse a loan.
5. Medical Loan and No Cost EMI Terms
FinHealth provides access to medical financing solutions that may help patients pay for eligible medical procedures through EMI-based financing arrangements.
The following conditions apply:
- Medical loans are subject to lender approval and eligibility requirements.
- Financing may be available for eligible medical treatments and procedures at participating clinics, hospitals, and healthcare providers.
- The available loan amount depends on the patient’s eligibility, lender policies, treatment cost, and other applicable conditions.
- No Cost EMI or 0% interest offers are available only under specific financing arrangements and applicable promotional terms.
- Such offers may involve subvention, discounts, or other commercial arrangements between participating healthcare providers, FinHealth, and lending partners.
- The applicable EMI amount, tenure, charges, and repayment obligations will be communicated through the relevant financing arrangement.
- Any processing fees, taxes, or other charges, if applicable, will be disclosed by the relevant service provider or lender.
- Treatment costs and medical services are the responsibility of the concerned healthcare provider.
No Cost EMI Disclaimer: The availability of No Cost EMI does not mean that every loan is automatically interest-free or that all customers qualify for a 0% interest offer. The actual terms depend on the specific offer, lender approval, and applicable financing agreement.
6. Interest Rates, Charges and Repayment
All loan-related financial terms are determined by the respective lending institution.
Customers are responsible for:
- Reviewing the final loan agreement before accepting a loan.
- Understanding the applicable interest rate and annual percentage rate (APR), wherever applicable.
- Understanding processing fees and other applicable charges.
- Making EMI payments on or before the due dates.
- Complying with the repayment schedule.
- Contacting the lender directly for repayment-related concerns.
FinHealth is not responsible for repayment defaults, penalties, late payment charges, or disputes arising between customers and lending institutions, except to the extent required under applicable law or an express written agreement.
7. Services for Clinics, Hospitals and Healthcare Providers
FinHealth may collaborate with clinics, hospitals, doctors, and healthcare providers to facilitate patient financing solutions.
Participating healthcare providers agree to:
- Provide accurate business and professional information.
- Ensure that the medical services and procedures offered comply with applicable laws.
- Obtain appropriate patient consent before sharing relevant information.
- Provide accurate treatment estimates and billing details.
- Follow the agreed financing and settlement procedures.
- Avoid submitting false, misleading, or unauthorised patient applications.
- Comply with applicable healthcare, consumer protection, and data protection requirements.
Any partnership, commission, settlement, onboarding, or commercial arrangement will be governed by a separate agreement wherever applicable.
8. User Responsibilities
By using our website and services, you agree:
- To provide true, accurate, and complete information.
- Not to submit fake, misleading, forged, or fraudulent documents.
- Not to impersonate another person or entity.
- Not to misuse our website or services.
- Not to attempt unauthorised access to our systems or databases.
- Not to upload malicious software, viruses, or harmful content.
- Not to interfere with the website’s functionality or security.
- To keep your contact information updated.
- To comply with all applicable Indian laws and regulations.
FinHealth reserves the right to restrict or suspend access where misuse, suspicious activity, or violations of these Terms are identified, subject to applicable law.
9. KYC and Document Verification
For financial service facilitation, customers may be required to provide documents such as:
- PAN Card
- Aadhaar-related information or permitted verification documents
- Identity Proof
- Address Proof
- Income Proof
- Bank Statements
- Employment or Business Documents
- Medical Treatment Estimates or Bills
- Other documents required by the relevant lending institution
All documents and information must be genuine, accurate, and legally obtained.
Verification and authentication may be conducted by FinHealth or its authorised service providers and lending partners, subject to applicable laws and required consent.
10. Third-Party Banks, NBFCs and Service Providers
FinHealth may work with third-party financial institutions, banks, NBFCs, payment service providers, technology providers, and other business partners.
You acknowledge that:
- Third-party financial institutions operate under their own terms and conditions.
- Loan approvals and financial decisions are made by the respective lending partners.
- Their interest rates, charges, eligibility criteria, and repayment conditions may differ.
- FinHealth does not control the independent policies or internal operations of third-party institutions.
- Any dispute relating to a loan agreement should be raised with the concerned lender, without affecting any rights or obligations that may independently apply to FinHealth.
- Users should carefully review the relevant third-party terms before accepting any financial product or service.
11. Privacy and Data Protection
Your use of our website and services is also governed by our Privacy Policy.
FinHealth may collect and process personal, financial, contact, KYC, and relevant medical treatment information for purposes such as:
- Processing enquiries and applications.
- Facilitating financial services.
- Verifying customer information.
- Coordinating with lending partners.
- Providing customer support.
- Complying with applicable legal and regulatory requirements.
Information may be shared with authorised lending partners, healthcare providers, and service providers where necessary and legally permitted.
For more information, please review our Privacy Policy:
Privacy Policy: https://finhealth.in/privacy-policy
12. Communication and Electronic Consent
By submitting your contact information through our website or using our services, you agree to receive necessary service-related communications, subject to applicable consent requirements.
These communications may include:
- Loan Application Updates
- Verification Notifications
- Service-Related Calls
- SMS and Email Notifications
- WhatsApp Communications
- Important Terms and Policy Updates
Promotional communications will be sent in accordance with applicable laws and consent requirements.
You may opt out of promotional communications at any time by contacting [email protected] or using the available opt-out mechanism.
13. Intellectual Property Rights
All content available on the FinHealth website, including:
- Logos and Brand Identity
- Text and Written Content
- Graphics and Images
- Website Design and Layout
- Software and Digital Materials
- Videos and Other Creative Content
is owned by FinHealth Solutions Pvt. Ltd. or its respective licensors, unless otherwise stated.
No person may copy, reproduce, distribute, modify, publish, or commercially use such content without prior written permission from the rightful owner.
Unauthorised use may result in legal action under applicable intellectual property laws.
14. Website Availability and Modifications
FinHealth aims to maintain the availability and functionality of its website and services.
However, we do not guarantee uninterrupted access or error-free operation.
We reserve the right to:
- Update or modify website content.
- Add, change, or discontinue services.
- Perform maintenance and security updates.
- Temporarily suspend website access.
- Modify website features and functionalities.
We will make reasonable efforts to minimise disruption wherever possible.
15. Disclaimer and No Guarantee
Information provided on our website is intended for general informational and service facilitation purposes.
FinHealth does not guarantee:
- Approval of any loan or financial application.
- A specific loan amount or interest rate.
- Approval within a particular time period.
- Availability of financing for every medical procedure or customer.
- Uninterrupted availability of third-party financial services.
- Accuracy of indicative EMI calculations or financial estimates in every situation.
All financial products are subject to the final terms, conditions, verification, and approval of the respective lending institution.
Customers should independently review all loan documents and financial obligations before accepting any financing arrangement.
16. Limitation of Liability
To the maximum extent permitted under applicable Indian laws, FinHealth Solutions Pvt. Ltd. shall not be liable for indirect, incidental, special, or consequential losses arising from:
- Rejection or delay of loan applications by lending partners.
- Changes in lending policies or eligibility criteria.
- Customer-provided incorrect or incomplete information.
- Third-party website interruptions or technical failures.
- Unauthorised use of customer accounts resulting from the customer’s negligence.
- Decisions or actions taken independently by third-party lenders.
Nothing in these Terms shall exclude or limit any liability that cannot legally be excluded or limited under applicable Indian law, including liability arising from fraud, wilful misconduct, or negligence where exclusion is prohibited.
17. Indemnification
You agree to indemnify and hold harmless FinHealth Solutions Pvt. Ltd., its directors, employees, representatives, and authorised partners against claims, losses, liabilities, damages, and reasonable legal expenses arising from:
- Your violation of these Terms.
- Submission of false, misleading, or fraudulent information.
- Misuse of the website or services.
- Violation of applicable laws or third-party rights.
- Unauthorised activities conducted through your use of the platform.
This clause shall apply only to the extent permitted under applicable law.
18. Suspension and Termination
FinHealth reserves the right to suspend, restrict, or terminate access to its website or services where:
- These Terms are violated.
- Fraudulent or suspicious activities are identified.
- Incorrect or misleading information is provided.
- Unauthorised access or misuse is detected.
- Suspension is required by applicable law or a competent authority.
Termination or suspension shall not affect any rights or obligations that have already accrued under applicable agreements or laws.
19. Changes to Terms & Conditions
FinHealth Solutions Pvt. Ltd. reserves the right to update, modify, or revise these Terms & Conditions at any time.
Any updated version will be published on this page along with a revised Effective Date.
Users are encouraged to review these Terms periodically.
Continued use of the website after changes are published will be subject to applicable legal requirements regarding notice and acceptance.
20. Governing Law and Jurisdiction
These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.
Any disputes arising from the use of our website or services shall be subject to the jurisdiction of the competent courts in India, determined in accordance with applicable laws.
We encourage users to contact us first to resolve any concerns through mutual discussion before initiating formal legal proceedings.
21. Contact Information and Grievances
For questions, concerns, complaints, or clarification regarding these Terms & Conditions, please contact us:
Company Name: FinHealth Solutions Pvt. Ltd.
Website: https://finhealth.in/
Email: [email protected]
Email Subject: Terms & Conditions – Enquiry / Complaint
We will make reasonable efforts to review and respond to customer enquiries and complaints in accordance with applicable laws.
