Last updated
Last updated: 1 July 2026
These terms form an agreement between you and Finoxa Finance ("Finoxa", "we", "us"). By using this website or engaging our advisory services you accept them. If you do not accept them, please do not use the site.
1. What we are, and what we are not
Finoxa is a loan distribution and advisory firm. We are not a bank, a non-banking financial company, a deposit-taking institution, or a lender of any kind. We do not disburse loans and we do not hold client funds.
Our role is to assess your profile, identify lending partners whose criteria you meet, present their offers, and assist with documentation and application management. Every loan agreement is directly between you and the lending institution. Approval, rejection, interest rate, tenure, fees and all other terms are determined solely by that institution.
2. Our fees
Our advisory services are provided free of charge to you. We receive a distribution commission from the lending institution upon successful disbursal.
We never charge an advance fee. There is no file charge, processing payment, consultation fee or registration fee at any stage. If any person claiming to represent Finoxa requests payment from you, do not pay and report it to grievance@finoxafinance.com immediately.
3. Indicative information
Interest rates, processing fees, eligibility criteria, loan amounts and tenures shown on this website are indicative, sourced from our lending partners, and subject to change without notice. They do not constitute an offer, a commitment to lend, or a quotation.
Actual terms offered to you will depend on the lender's assessment of your complete profile, including your credit information report, income verification and, for secured loans, property valuation and legal diligence.
4. Calculator and eligibility tool outputs
Our EMI calculator and eligibility checker are provided for planning purposes. The EMI calculator applies the standard reducing-balance formula to the figures you enter and is mathematically accurate for those inputs; it does not account for processing fees, broken-period interest, insurance premiums or the specific rate a lender may offer you.
The eligibility checker produces an indicative assessment based on the criteria you supply and our partners' published parameters. It is not a sanction, a pre-approval or a commitment. No credit bureau enquiry is made when you use it.
5. Your obligations
By using our services you undertake that:
- You are at least 18 years old and legally competent to contract.
- All information and documents you provide are true, accurate, complete and your own.
- You will not submit forged, altered or fraudulently obtained documents. Doing so is a criminal offence and we are obliged to report it.
- You will disclose all existing loan obligations, including any that may not appear on your credit report.
- You authorise us to contact you by phone, SMS, email and WhatsApp regarding your enquiry, including where your number is registered on the DND list, for the specific purpose of servicing that enquiry.
- You will not use the site to transmit malware, attempt unauthorised access, scrape content at scale, or interfere with its operation.
6. Authorisation to share your file
When you ask us to proceed with an application, you authorise us to share the information and documents you have provided with the specific lending institution or institutions you nominate, and you authorise that institution to obtain your credit information report from a credit information company. We will name the lender before sharing anything.
7. Limitation of liability
To the maximum extent permitted by law:
- We are not liable for a lender's decision to approve, reject, delay or vary the terms of any loan.
- We are not liable for the acts, omissions, service standards, charges or conduct of any lending institution.
- We are not liable for indirect, incidental, consequential or punitive loss, including loss of profit, opportunity or goodwill.
- We are not liable for loss arising from your reliance on indicative figures, calculator outputs or eligibility estimates.
- Where liability cannot be excluded, our aggregate liability is limited to ₹10,000 or the commission we actually received in connection with your file, whichever is higher.
Nothing in these terms excludes liability for fraud, wilful misconduct, or any liability that cannot lawfully be limited.
8. Third-party content and links
This website may link to lender websites and other third-party resources. We do not control them and are not responsible for their content, accuracy, terms or privacy practices.
9. Intellectual property
All content on this website — text, guides, calculators, design, code and marks — is owned by Finoxa or licensed to us, and is protected by Indian and international copyright law. You may read, print and share it for personal, non-commercial use. You may not reproduce, republish, adapt or use it commercially without our written permission.
10. Availability
We aim to keep the site available at all times but do not guarantee uninterrupted access. We may suspend, withdraw or vary any part of the site or our services without notice.
11. Termination
We may decline to act for you, or cease acting, at our discretion — including where information provided proves false, where a request would be unlawful, or where conduct towards our staff is abusive. You may end our engagement at any time by telling us so in writing.
12. Grievance redressal
Complaints should be addressed to our Grievance Officer, Meera Raghunathan, at grievance@finoxafinance.com or by post to 4th Floor, Trade Centre, Bandra Kurla Complex, Mumbai 400051. We acknowledge within 48 hours and aim to resolve within 30 days.
Complaints about a lender's conduct should be raised first with that lender's grievance officer, and thereafter with the RBI Ombudsman under the Reserve Bank – Integrated Ombudsman Scheme, 2021.
13. Governing law and jurisdiction
These terms are governed by the laws of India. The courts at Mumbai, Maharashtra have exclusive jurisdiction over any dispute arising from them.
14. Changes to these terms
We may revise these terms and will update the "last updated" date accordingly. Continued use of the site after a change constitutes acceptance of the revised terms.