Terms of Use
Last updated: 20 September 2026
1. Acceptance of terms
By accessing and using the SMFINCARE website, you agree to be bound by these Terms of Use. If you do not agree, please do not use this website.
2. About SMFINCARE
SMFINCARE is a financial-services facilitation platform. We are not a bank, NBFC, lender, government body, or credit bureau. We do not make lending decisions or guarantee loan approval, interest rates, loan amounts, or disbursement.
3. Services
We provide loan discovery, education, eligibility guidance, EMI calculation, AI-powered loan-readiness assessment, and financing-product matching. Our assessments are indicative and educational only.
4. No guarantee
All financing decisions — including eligibility, interest rate, loan amount, documentation, and disbursement — are made by the relevant lender according to its policies and applicable law. SMFINCARE does not influence or guarantee these decisions.
5. User responsibilities
You agree to provide accurate and truthful information. You must not misuse the website, submit false information, or attempt to access data you are not authorised to view.
6. Consent
By submitting an enquiry, you consent to SMFINCARE and its authorised partners contacting you regarding your enquiry and related financial products/services. Consent is captured at the time of submission with timestamp and version tracking.
7. Intellectual property
All content on this website, including text, design, logos, and tools, is the property of SMFINCARE or its licensors. You may not reproduce or distribute it without permission.
8. Limitation of liability
SMFINCARE shall not be liable for any indirect, incidental, or consequential damages arising from the use of this website or reliance on any information provided herein.
9. Changes to terms
We may update these Terms from time to time. Updated versions will be posted on this page with a revised date.