Welcome to ClikFin! These Terms and Conditions (“Terms”) outline the rules and regulations for using our website, accessible at www.clikfin.com or through our mobile application (“Website”). By using the Website, you accept these Terms, along with our Privacy Policy. If you do not agree with any part of these Terms, please refrain from using the Website.
1. Ownership and Operation: The Website is owned and operated by CygniSys Services Pvt. Ltd. Formerly known as (CygniSys OPC Pvt. Ltd.), incorporated under the Companies Act, 2013, with its registered office at #147, 3rd Floor, 7th Sector, 5th Main, HSR Layout, Bangalore, Karnataka 560102, India. Throughout these Terms, “ClikFin,” “Us,” “Our,” or “We” refers to CygniSys Services Pvt. Ltd. Formerly known as (CygniSys OPC Pvt. Ltd.), its affiliates, successors, and assigns.
2. User Information Collection: As a User of our Services, you may provide us with information, both mandatory and optional, during your interactions with the Website and mobile application. This information includes but is not limited to personal and financial details, credit-related information, transaction history, and other identifiers necessary for loan applications. We may also collect data through linked social media accounts and other electronic sources. Please refer to our Privacy Policy for more information on data collection and usage.
3. Acknowledgement & Rights of the Company: ClikFin may choose to terminate or suspend Services without prior notice. Upon termination, you must discontinue using the Platform, and any granted rights and licenses shall cease. ClikFin acts solely as a platform connecting Users for financial products, but it is not involved in loan granting, borrowing, or any financial transactions between Users. ClikFin does not warrant the performance of third-party service providers or guarantee the accuracy of information provided by Users. Users are responsible for verifying each other’s information and claims.
4. Third-Party Sites: The Website may contain links to affiliate or third-party sites. These sites have their own privacy practices, and you are encouraged to review their policies when visiting them. ClikFin is not responsible for the privacy practices or content of external websites.
5. Children’s Privacy: ClikFin does not knowingly collect personal information from children under 18. If we become aware that a child under 18 has provided us with information, we will delete it from our servers. Parents or guardians should contact us if aware of any such instances.
6. Privacy Policy Subject to Change: ClikFin reserves the right to change its Privacy Policy at its sole discretion. We encourage you to periodically review the Privacy Policy for updates.
7. Miscellaneous, Laws, and Jurisdiction: These Terms shall be governed by Indian laws, and courts in Bangalore, Karnataka, India, shall have exclusive jurisdiction over any disputes. These Terms, along with our Loan Agreement, Mobile Application Form, and Privacy Policy, constitute the entire understanding between you and ClikFin regarding the Services.
8. Cookies: We use cookies to enhance your browsing experience and gather information about User behavior and preferences. You can choose to decline cookies, but this may affect certain features of the Website.
9. Waiver: No term of these Terms shall be deemed waived or excused unless in writing and signed by ClikFin. Any consent to waive a breach does not constitute consent for any other breach.
10. Violations: If you have any violations or grievances related to these Terms, please report them to support@clikfin.com.