Disclaimer

General Disclaimer

The information provided on the Profin Solutions website and through our services is for general informational and educational purposes only. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on our website.

IMPORTANT: Any reliance you place on such information is strictly at your own risk. We recommend consulting with qualified financial advisors before making any financial decisions.

Nature of Our Business

Exclusive Direct Selling Agent (DSA)

Profin Solutions acts exclusively as a **Direct Selling Agent (DSA)** for banks, NBFCs, and financial institutions. We are NOT a direct provider of:

Loans and Funding Products
Credit Cards
Insurance Policies (Acting as a Bridge/Consultant)
Investment Schemes (Acting as a Consultant/Connector)

TRUTH & FACT: We are NOT a Bank, NBFC, AMC, or Insurance Company. We are an institutional facilitator—a bridge that connects you to the authorized financial provider. All final approvals and disbursements are solely at the discretion of the principal bank or partner.

Our Role

We facilitate the sale and service of products on behalf of our principal partners. Our role is limited to:

Explaining product features and benefits
Assisting with documentation and application processes
Providing after-sales support and claim assistance

We do not underwrite risk, issue policies, or manage investment funds directly.

Loan and Credit Disclaimers

1. No Guarantee of Approval

Submitting a loan application through Profin Solutions does NOT guarantee:

Loan approval
Specific interest rates
Particular loan amounts
Favorable terms and conditions
Processing within a specific timeframe

Each application is subject to the lender's credit assessment, underwriting policies, and approval criteria.

2. Interest Rates and Charges

Interest rates, processing fees, and other charges displayed on our website:

Are indicative and subject to change without notice
Depend on lender policies and market conditions
Vary based on your credit profile, income, and other factors
Are finalized only upon formal loan sanction by the lender

3. Loan Calculators

Our EMI and loan eligibility calculators are provided for illustrative purposes only. Results are estimates and do not constitute an offer or guarantee. Actual terms will be determined by the lender.

4. Credit Score Impact

Our soft eligibility check does not affect your CIBIL score. However, when you submit a formal application to a bank or NBFC, they will conduct a hard credit inquiry, which may impact your credit score.

For your official CIBIL score, please visit www.cibil.com or other authorized credit bureaus.

5. Credit Bureau Inquiries

By applying for a loan through our platform, you authorize:

Profin Solutions and our partner lenders to access your credit report
Credit bureau inquiries which may impact your credit score
Sharing of your information with multiple lenders for comparison

Multiple loan applications in a short period may negatively affect your credit score.

Investment and Insurance Disclaimers

1. Regulatory Compliance (IRDAI & SEBI)

We strictly follow all regulations laid down by the Insurance Regulatory and Development Authority of India (IRDAI) and the Securities and Exchange Board of India (SEBI). As a distributor:

We do not rebate or offer pass-backs of commission.
We do not guarantee returns on market-linked products.
We maintain transparency regarding commissions earned only where mandated.

2. Mandatory Customer Responsibility

MUST READ: Insurance is the subject matter of solicitation. Market investments are subject to market risks. Each and every customer MUST read all scheme-related documents, policy wordings, terms, and conditions CAREFULLY before investing or buying insurance under our guidelines.

3. Investment Risks

By using our services for investments (Mutual Funds, SIPs, etc.), you acknowledge that:

Past performance is not indicative of future results.
Investments are subject to market volatility.
The value of your portfolio may go up or down depending on market factors.

4. Insurance Declarations

For insurance products:

Participation: Buying insurance is a voluntary decision.
Claims: Settlement of claims is the sole responsibility of the Insurance Company. Profin Solutions assists in the process but does not guarantee settlement.
Misrepresentation: We are not liable for claims rejected due to non-disclosure or misrepresentation of facts by the customer during the application.

AI Chatbot Disclaimer

Our AI-powered chatbot ("Profin AI") is designed to provide general information and assistance. However:

It is NOT a substitute for professional financial advice
Responses are generated based on algorithms and may contain errors
It cannot assess your complete financial situation
It should not be relied upon for critical financial decisions
Conversations may be monitored for quality and training purposes

For important matters, always consult with our human financial advisors or certified professionals.

Third-Party Links and Services

Our website may contain links to third-party websites, including:

Partner banks and NBFCs
Insurance companies
Mutual fund houses
Credit bureaus
Government websites

We are not responsible for:

The content, accuracy, or practices of third-party websites
Privacy policies of external sites
Products or services offered by third parties
Any damages arising from your use of third-party services

Links are provided for convenience only and do not constitute endorsement.

Accuracy of Information

While we make every effort to ensure accuracy, we do not warrant that:

Information on our website is always current or complete
Our website will be error-free or uninterrupted
Defects will be corrected promptly
Our servers are free of viruses or harmful components

Information may change without notice. Always verify critical information before making decisions.

Regulatory Compliance

Profin Solutions operates in compliance with applicable Indian laws and regulations, including:

Regulations applicable to Direct Selling Agents (DSAs) and Distributors
Information Technology Act, 2000
Consumer Protection Act, 2019
Prevention of Money Laundering Act (PMLA)

However, we are not responsible for:

Changes in laws or regulations that affect your loan or investment
Tax implications of financial products (consult a tax advisor)
Compliance requirements specific to your business or profession

Limitation of Liability

To the fullest extent permitted by law, Profin Solutions shall not be liable for:

Any direct, indirect, incidental, or consequential damages
Loss of profits, revenue, data, or business opportunities
Damages arising from loan rejections or unfavorable terms
Investment losses or poor returns
Errors or omissions in information provided
Unauthorized access to your data (despite our security measures)
Actions or omissions of third-party service providers

Your Responsibility

You are responsible for:

Verifying all information before making financial commitments
Reading and understanding all loan/investment documents
Assessing your own financial capacity and risk tolerance
Seeking independent professional advice when needed
Maintaining the confidentiality of your account credentials
Ensuring timely repayment of loans (if approved)
Complying with all terms and conditions of financial products

No Unsolicited Offers & Zero-Fee Policy

Profin Solutions does NOT:

Guarantee loans without proper bank-led application and verification
Charge any upfront or post-service fees from customers.
Ask for payment to "release" or "process" approved loans (all fees paid only to bankers).
Request sensitive information via unsolicited calls or emails without prior DSA-led onboarding.

BEWARE OF FRAUD: If someone claims to be from Profin Solutions and asks for payment or sensitive information, please verify by calling our official number: +91 98410 49913

Changes to Disclaimer

We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services constitutes acceptance of the updated Disclaimer.

Governing Documents

This Disclaimer should be read in conjunction with:

In case of any conflict, the Terms of Service shall prevail.