Terms and Conditions

Effective Date: 01/03/2025.

Terms of Service

1. Introduction:

Vinod Financial Services is a financial services provider offering a range of products, including loans, insurance, credit cards, and mutual funds. Our services are subject to applicable laws and regulations, and by using them, you agree to comply with all legal requirements.

2. Eligibility:

To use our services, you must: Be at least 18 years old or the legal age in your jurisdiction. Provide accurate, complete, and up-to-date personal and financial information.

Have the legal capacity to enter into a binding contract. We reserve the right to reject applications or terminate services if eligibility requirements are not met.

3. Financial Products & Services:

We offer the following financial products and services:

3.1 Loans

All loan applications are subject to eligibility checks, credit verification, and approval. Interest rates, repayment terms, and fees will be disclosed before finalizing the agreement.

Late payments may result in penalties, increased interest rates, or legal action.

3.2 Insurance

Insurance policies are underwritten by authorized insurance providers. Claims processing is subject to the terms outlined in the respective policy. Policyholders are responsible for providing accurate information to avoid claim rejections.

3.3 Credit Cards

Credit card issuance is subject to financial assessment and creditworthiness. Users must comply with payment deadlines to avoid penalties and interest charges. Misuse of credit cards (fraudulent transactions, non-payment, etc.) may result in legal consequences.

3.4 Mutual Funds & Investments

Mutual fund investments are subject to market risks. Past performance is not indicative of future results. We do not guarantee returns, and investors should assess risk factors before investing. Investments may be subject to regulatory restrictions and conditions.

4. Fees, Charges & Payments:

All fees, interest rates, and charges will be communicated before availing of the service. Non-payment or delayed payments may result in penalties, legal action, or impact on your credit score. We reserve the right to modify our fees with prior notice.

5. User Responsibilities:

By using our services, you agree to: Provide truthful and accurate financial and personal details. Use our services for legitimate financial purposes only. Keep your account login credentials confidential and secure. Notify us immediately in case of unauthorized account access or security breaches.

Misuse of our services may result in termination of access, legal action, and/or financial penalties.

6. Data Privacy & Security

Your privacy is important to us. By using our services, you consent to the collection, storage, and processing of your data as outlined in our Privacy Policy.

We implement security measures to protect your data.

We do not sell your personal data to third parties.

Data may be shared with regulatory authorities, financial institutions, and service providers where necessary.

For more details, refer to our Privacy Policy.

7. Limitation of Liability

We strive to provide accurate financial services but do not guarantee uninterrupted access or error-free service.

We are not liable for financial losses due to incorrect information provided by users, third-party fraud, or market fluctuations.

Users are solely responsible for financial decisions and investment risks.

8. Service Modifications & Termination

We reserve the right to modify, suspend, or discontinue any service without prior notice.

We may terminate or restrict access if a user violates these Terms, engages in fraudulent activity, or poses a security risk.

Users can close their accounts by notifying us in writing and clearing any outstanding dues.

9. Third-Party Links & Services:

Our website or services may include links to third-party websites, financial institutions, or service providers. Vinod Financial Services is not responsible for their policies, practices, or service reliability. Users should review third-party terms separately.

10. Governing Law & Dispute Resolution:

These Terms are governed by the laws of Maharashtra, India.

Any disputes shall be resolved through arbitration or the courts of Nashik Location.

Users agree to attempt amicable resolution before initiating legal proceedings.

11. Updates to These Terms:

We may update these Terms periodically. Changes will be posted on our website with an updated "Effective Date". Continued use of our services after updates constitutes acceptance of the new Terms.

12. Contact Us:

For any questions or concerns regarding these Terms, reach out to us at:

vinodfinserv07@gmail.com | 8767796590 |