Terms and Condition for Finzio : Smart Eligibility

 

Terms and Conditions – Finzio : Smart Eligibility

Effective Date: June 23, 2026

Welcome to Finzio : Smart Eligibility ("Finzio", "App", "Service", "we", "our", or "us").

These Terms and Conditions govern your access to and use of Finzio. By downloading, installing, or using the application, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the App immediately.

1. About the Service

Finzio is a financial utility application designed to assist users through various informational and calculation tools, including:

  • Loan eligibility estimators

  • EMI calculators

  • Affordability assessments

  • Financial planning tools

  • Loan-related educational resources

The App is intended solely for informational, educational, and calculation purposes.

Finzio does not provide banking, lending, investment, legal, or financial advisory services.

2. No Lending, Brokerage, or Financial Advisory Services

Finzio does not:

  • Provide or disburse loans

  • Accept loan applications

  • Approve or reject loan requests

  • Act as a lender, bank, NBFC, broker, or financial institution

  • Offer investment recommendations

  • Guarantee loan eligibility, approval, interest rates, or repayment terms

  • Represent any government financial assistance program

All calculations, estimates, and results generated by the App are indicative only and should not be considered official financial advice, lending decisions, or guarantees.

Users should independently verify information with banks, NBFCs, financial institutions, or qualified financial professionals before making financial commitments.

3. User Responsibilities

By using Finzio, you agree to:

  • Use the App only for lawful purposes.

  • Provide accurate information while using calculators or support features.

  • Use the App responsibly and ethically.

  • Refrain from activities that could damage, interfere with, or disrupt the Service.

  • Not attempt unauthorized access to servers, systems, databases, or application components.

  • Comply with all applicable local, national, and international laws.

You acknowledge that any decisions made based on information generated by Finzio are entirely your own responsibility.

4. Advertisements

Finzio may display advertisements provided by third-party advertising partners, including Google AdMob and other advertising platforms.

Advertising revenue helps support:

  • Application maintenance

  • Feature development

  • Infrastructure costs

  • Ongoing improvements

We do not endorse, verify, or guarantee the accuracy, reliability, or suitability of products or services advertised through third-party advertisements.

Any transactions, purchases, or interactions with advertisers are solely between you and the respective third party.

Google advertising practices can be reviewed at:

https://policies.google.com/technologies/ads

5. Third-Party Services

Finzio may integrate services provided by trusted third-party providers to improve functionality, analytics, performance monitoring, and advertising.

These services may include:

Google Play Services

https://policies.google.com/privacy

Google AdMob

https://support.google.com/admob/answer/6128543

Firebase

https://firebase.google.com/support/privacy

Firebase Analytics

https://firebase.google.com/products/analytics

Firebase Crashlytics

https://firebase.google.com/products/crashlytics

Meta SDK

https://www.facebook.com/privacy/policy

Each third-party provider operates under its own privacy practices, terms, and policies.

Finzio is not responsible for the content, availability, or practices of third-party services.

Users are encouraged to review their respective policies before using the App.

6. Intellectual Property Rights

All rights, title, and interest in Finzio, including but not limited to:

  • Application design

  • Source code

  • Logos

  • Graphics

  • Text

  • Icons

  • Branding

  • Trademarks

  • Features and functionality

remain the property of their respective owners and are protected by applicable intellectual property laws.

Users may not:

  • Copy or reproduce app content.

  • Modify or create derivative works.

  • Reverse engineer, decompile, or disassemble the application.

  • Redistribute materials without written permission.

  • Use Finzio branding, logos, or assets for commercial purposes.

Unauthorized use may result in legal action.

7. Disclaimer of Warranties

Finzio is provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, statutory, or otherwise, including but not limited to:

  • Accuracy of calculations

  • Completeness of information

  • Continuous availability

  • Error-free operation

  • Suitability for a particular purpose

  • Compatibility with all devices

While reasonable efforts are made to maintain accurate calculations and stable performance, we do not guarantee that the Service will always be uninterrupted or free from defects.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Finzio, its developers, licensors, affiliates, and partners shall not be liable for any damages arising from the use of the Service, including but not limited to:

  • Financial losses

  • Loss of income

  • Loss of business opportunities

  • Data loss

  • Service interruptions

  • Indirect damages

  • Consequential damages

  • Reliance on calculations, estimates, or informational content generated by the App

Users acknowledge that actual lending decisions and financial outcomes may differ from the estimates provided by Finzio.

9. Application Updates and Changes

We may update, improve, modify, suspend, or discontinue certain features of Finzio at any time without prior notice.

Updates may include:

  • Security enhancements

  • Bug fixes

  • Performance improvements

  • New tools and calculators

  • User interface changes

  • Compatibility updates

Users are encouraged to install the latest version of the App to benefit from these improvements.

10. Suspension or Termination

We reserve the right to restrict, suspend, or terminate access to Finzio if we reasonably determine that a user has:

  • Violated these Terms;

  • Misused the Service;

  • Attempted unauthorized activities; or

  • Engaged in conduct that could harm the App, its infrastructure, or other users.

11. Children's Use

Finzio is not intended for children under the age of 13.

We do not knowingly permit activities involving the collection of personal information from children.

Parents or guardians who believe that a child has submitted personal information may contact us for appropriate action.

12. Changes to These Terms

We may revise these Terms and Conditions from time to time to reflect operational, legal, or business changes.

Updated versions will be published within the App or associated policy pages together with an updated effective date.

Your continued use of Finzio following the publication of revised Terms constitutes acceptance of those changes.

13. Contact Information

If you have questions, concerns, or feedback regarding these Terms and Conditions, please contact us:

Email: pirnceraju1@gmail.com

By using Finzio : Smart Eligibility, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

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