Terms and Conditions

Welcome to NEO Finance. Your access and use of our website, mobile application, and services (collectively referred to as the “Platform”), you agree to comply with and are bound by the following Terms and Conditions (“Terms”). Please read these terms carefully. If you do not agree with these terms in whole or in part, you must refrain from using our services.

1. Introduction

NEO Finance (“we,” “us,” “our”) is a site providing digital services in the field of finance, including, but not limited to, personal loans, investment opportunities, and the provision of financial advice. We act as intermediaries between end users interested in the services and third-party financial institutions. NEO Finance is not a bank, financial institution, or collective investment scheme.

2. Definitions

  • User or "you" or "your" indicates any individual or entity accessing or using our platform.
  • The Services. These are the financial products and services that are available on the platform.
  • Account is the registered user’s profile created by the user to access our services.

3. Eligibility

To use our services, you must:

  • Be at least 18 years old.
  • Be an Indian citizen or a legal resident of India.
  • Possess a valid government-issued identification (e.g., PAN card, Aadhaar card).
  • Have a valid Indian bank account.

By using our services, you attest to your fulfillment of all the conditions stipulated above.

4. User Obligations

As a User of  NEO Finance, you agree to:

  • Provide accurate, current, and complete information during the registration process, and these must be updated if they change to maintain their precision and completeness.
  • Maintain the privacy of your account's confidential details and be responsible for everything that takes place in your Account.
  • Use the platform solely for lawful purposes and in accordance with these terms.
  • Do not undertake activities that may impair the platform or service operations.

5. Account Registration and Security

Upon registering for an account:

  • A username and password will be created. The user will need to ensure the security of their login information.
  • You shall agree to notify us immediately of any unauthorized use of your account or any other violation of security.
  • NEO Finance shall not be liable for any loss or damage resulting from non-fulfillment of this security obligation.

6. Services Offered

NEO Finance provides a wide range of financial services so they can.

  • Loan Facilitation: Providing comprehensive assistance to users in obtaining personal loans from partnered financial institutions.
  • Investment Opportunities: Providing a platform where users can explore and invest in various financial products.
  • Financial Advisory: Offering expert financial guidance tailored to user needs.

All services are subject to eligibility criteria, terms of the respective financial institutions, and laws.

7. Loan Application Process

When applying for a loan through our platform:

  • You authorize NEO Finance to share your personal and financial information with partnered financial institutions for the purpose of processing your application.
  • Loan approval is at the sole discretion of the respective financial institution. NEO Finance does not guarantee loan approval.
  • You agree to provide all necessary documentation and information required for the loan application process.

8. Fees and Charges

  • NEO Finance may charge service fees for certain services provided. Any applicable fees will be communicated to you prior to the provision of such services.
  • Every charge is non-refundable except as expressly stated.

9. Repayment Obligations

For loan services facilitated through our Platform:

  • You agree to repay the loan amount along with any applicable interest and charges as per the terms agreed upon with the lending institution.
  • Failure to repay may result in penalties, legal action, and a negative impact on your credit score.

10. Privacy Policy

Our collection, use, and protection of your personal information are described in our Privacy Policy. Using our services, you consent to the terms of the Privacy Policy.

11. Intellectual Property Rights

  • All content, trademarks, logos, and intellectual property displayed on the platform are the property of NEO Finance or its licensors.
  • The license you're provided with is regulated and not transferable, and for non-commercial use only. There is no exclusivity; you can have access to and use the platform for personal use without any commercial reasons.
  • Any unauthorized use, reproduction, or distribution of our intellectual property is strictly prohibited.

12. Prohibited Activities

You agree not to:

  • Use the platform for any fraudulent or illegal activities.
  • Impersonation or misrepresentation of other people or units is strictly prohibited.
  • Avoid doing anything that could harm the platform.
  • Try to access any unauthorized area of the platform or its related systems or networks.

13. Limitation of Liability

To the fullest extent permitted by law:

  • NEO Finance is not responsible for any indirect, incidental, special, consequential loss of profit, loss of revenue, or punitive damages.
  • The platform is provided "as is." NEO Finance does not warrant that the platform will be uninterrupted, error-free, or free of viruses or other harmful components.

14. Indemnification

Agreeing to indemnify, defend, and hold harmless NEO Finance, its affiliates and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney’s fees, arising from or in any way related to your access to or use of the platform or services.

15. Termination

NEO Finance reserves the right to:

  • Suspend or terminate your account and access to the services at any time without notice, for conduct that it believes violates these terms or is harmful to other users,NEO Finance, or third parties, or for any other reason.
  • We have the right to discontinue or modify any aspect of the services at any time.

16. Governing Law and Jurisdiction

The provisions of these terms are subject to the laws of India. Any discrepancy resulting from or related to these terms shall be resolved in the court of law situated in [Insert Jurisdiction, e.g., Mumbai, Maharashtra].

17. Amendments to Terms

NEO Finance has the right to change these terms at any time. Any changes become effective immediately upon posting on the platform. Your continued use of the services after such modifications will constitute your acknowledgment of the modified terms and agreement to abide by them.

18. Contact Information

Contact us for any questions or concerns related to these Terms or Services.