Terms & Conditions

FZ Finance Bank provides financial and loan-related assistance through an application, documentation and verification process.

All loan applications are subject to applicable eligibility criteria, document verification, assessment, approval and the terms applicable to the particular loan product.

Submission of an application does not create an obligation on FZ Finance Bank to approve or disburse a loan.

To apply for a loan or financial assistance, an applicant may be required to:

• Provide accurate and complete personal information.
• Provide a valid mobile number and contact details.
• Provide current and permanent address information.
• Submit required KYC and supporting documents.
• Provide guarantor details where applicable.
• Provide additional information or documents requested during verification.
• Accept the applicable loan agreement and repayment terms.

FZ Finance Bank reserves the right to determine eligibility according to its applicable policies, verification requirements and legal obligations.

The applicant is responsible for ensuring that all information submitted through the website or application form is accurate, complete and up to date.

The applicant must not:

• Submit false or misleading information.
• Upload documents belonging to another person without authorization.
• Submit forged, altered or fraudulent documents.
• Provide an incorrect mobile number, address or financial information.
• Misrepresent income, ownership, identity or other relevant information.

Providing false information may result in rejection of the application and may have other legal consequences where applicable.

Applicants may be required to provide documents including, but not limited to:

• Aadhaar Card
• PAN Card
• Voter/Election Card
• Address proof
• Electricity bill
• Ownership/property-related documents, where applicable
• Photograph or live photograph
• Digital signature
• Guarantor information
• Other documents reasonably required for verification

FZ Finance Bank may verify information and documents submitted by the applicant through appropriate verification procedures.

Loan approval is not automatic or guaranteed.

An application may be approved, rejected, kept pending or require additional information based on factors including eligibility, documentation, verification, repayment capacity, applicable policies and availability of funds.

The final loan terms will be communicated to the applicant before the loan is finalized.

The approved loan amount, applicable interest or other charges, tenure, repayment amount, repayment frequency, late-payment charges and other applicable terms will be specified in the relevant loan agreement.

The applicant should carefully review these terms before accepting the loan.

The applicant is responsible for making repayments according to the agreed repayment schedule.

If an applicant fails to make repayment by the applicable due date, consequences may apply according to the loan agreement and applicable law.

These may include applicable late-payment charges, additional interest or other contractual consequences.

The applicant should contact FZ Finance Bank as soon as possible if they anticipate difficulty in making a repayment.

Where a guarantor is required, the guarantor may be required to provide identifying and contact information and agree to applicable guarantor obligations.

The exact responsibilities and liabilities of the guarantor will be specified in the relevant loan agreement.

Submitting an online application does not guarantee:

• Loan approval
• A particular loan amount
• A particular interest rate
• A particular processing time
• Immediate disbursement

Applications are subject to verification and applicable approval procedures.

Where a loan is approved, disbursement will be made according to the applicable loan agreement and after completion of required formalities.

The payment method may depend on the information provided by the applicant and the applicable operational process.

FZ Finance Bank may require verification of the applicant's payment details before disbursement.

The applicant agrees to:

• Keep submitted information accurate.
• Protect their login credentials, OTPs and other confidential information.
• Not share sensitive authentication information with unauthorized persons.
• Make repayments on time.
• Notify FZ Finance Bank of material changes to contact information where required.
• Cooperate with reasonable verification requests.

The website is intended for lawful use.

You must not:

• Attempt to gain unauthorized access to the website or systems.
• Introduce malicious software.
• Interfere with website functionality.
• Use automated methods to misuse the website.
• Submit fraudulent applications.
• Copy or misuse website content without authorization.

The website may use third-party services for purposes such as payment processing, communication, analytics, hosting, verification or other operational functions.

Use of such services may be subject to the respective third party's terms and privacy policies.

Unless otherwise stated, the website content, branding, logos, graphics, text, design and other materials associated with FZ Finance Bank are protected by applicable intellectual property laws.

Unauthorized copying, reproduction or commercial use is prohibited.

We aim to keep the website available and functional; however, uninterrupted availability cannot be guaranteed.

The website may occasionally be unavailable due to maintenance, technical problems, security issues, network failures or circumstances beyond our reasonable control.

FZ Finance Bank may update these Terms & Conditions from time to time.

Updated terms will be published on this page with a revised "Last Updated" date.

Continued use of the website after changes are published may constitute acceptance of the updated terms.

These Terms & Conditions shall be governed by the applicable laws of India.

Any dispute shall be subject to the jurisdiction of the courts having appropriate jurisdiction over the relevant matter and location.

For questions regarding these Terms & Conditions, please contact FZ Finance Bank.