Disclaimer and Disclosure

1. General Disclaimer

The information contained on this website is for general information purposes only. While we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or the information contained on the website.

2. Financial Disclosures

2.1 Interest Rates

• Interest rates are subject to change based on RBI guidelines and market conditions
• Final interest rate will be communicated at the time of loan approval
• Processing fees and other charges are additional to the loan amount
• Annual Percentage Rate (APR) includes all applicable fees and charges

2.2 Loan Approval

• All loan applications are subject to verification and approval
• Approval is at the sole discretion of Agrim Fincap
• Credit score and eligibility criteria apply
• Loan terms may vary based on profile assessment

3. Risk Disclosures

3.1 Borrowing Risks

3.2 Technology Risks

• Online transactions carry inherent technology risks
• System downtime may affect service availability
• Data transmission over internet has security risks
• Users should ensure secure internet connection for transactions

4. Fair Practice Code Disclosure

4.1 Customer Rights

• Right to fair and transparent loan terms
• Right to receive loan agreement in vernacular language
• Right to privacy and confidentiality of information
• Right to grievance redressal mechanism

4.2 Collection Practices

• Recovery agents will carry proper authorization
• Collection calls will be made during reasonable hours (8 AM - 7 PM)
• No harassment or coercive methods will be used
• Customer privacy and dignity will be respected

5. Data and Privacy Disclosures

5.1 Information Collection

We collect and process the following types of information:

• Personal identification information (KYC documents)
• Financial information (income, bank statements)
• Credit bureau reports and scores
• Device and usage information

5.2 Information Sharing

• Information shared with credit bureaus as per RBI guidelines
• Data shared with regulatory authorities when required
• Third-party service providers for loan processing
• No selling of personal information to marketing companies

6. Regulatory Compliance

6.1 RBI Guidelines

• All operations conducted as per RBI Master Directions on NBFC
• Compliance with Fair Practices Code for NBFCs
• Adherence to Know Your Customer (KYC) norms
• Regular reporting to regulatory authorities

6.2 Other Regulations

• Information Technology Act, 2000
• Prevention of Money Laundering Act (PMLA)
• Indian Contract Act, 1872
• Consumer Protection Act, 2019

7. Limitation of Liability

Agrim Fincap shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of our services or website. Our liability is limited to the extent permitted by applicable law.

8. Grievance Redressal

9. Updates to Disclaimer

This disclaimer may be updated from time to time. Customers will be notified of material changes through our website or direct communication. Continued use of our services constitutes acceptance of the updated terms.