General Policy

This General Policy outlines the acceptable use, responsibilities, and operational guidelines for users of FinaCMS ("FinaCMS", "we", "our", "us"). This policy must be read along with our Terms and Conditions, Privacy Policy, and Refund Policy.

1. Nature of Platform

  1. FinaCMS is a software platform providing loan management tools.
  2. FinaCMS does not provide loans, act as a lender, or operate as a financial institution.
  3. All lending activities are conducted solely by users at their own responsibility.

2. Acceptable Use

  1. Users must use the platform only for lawful purposes.
  2. Users must comply with all applicable Indian laws and regulations.
  3. Users must maintain accurate and truthful records.

3. Prohibited Activities

  1. Operating illegal or unlicensed money lending businesses.
  2. Charging excessive or unlawful interest rates.
  3. Harassment, threats, or abusive recovery practices.
  4. Uploading false, misleading, or fraudulent data.
  5. Attempting to hack, disrupt, or misuse the platform.
  6. Using the platform for money laundering or illegal financial activities.

4. User Responsibilities

  1. Users are responsible for obtaining all necessary licenses.
  2. Users must ensure compliance with State Money Lending Acts.
  3. Users must obtain borrower consent before collecting personal data.
  4. Users are responsible for safeguarding login credentials.

5. Data Usage & Responsibility

  1. Users retain ownership of their data.
  2. Users are responsible for lawful handling of borrower information.
  3. FinaCMS is not responsible for misuse of data by users.

6. System Access & Availability

  1. We strive to ensure uninterrupted service but do not guarantee 100% uptime.
  2. System maintenance or updates may temporarily affect availability.

7. Monitoring & Enforcement

  1. FinaCMS reserves the right to monitor usage for security and compliance purposes.
  2. We may suspend or terminate accounts involved in prohibited activities.
  3. We may report unlawful activities to authorities if required.

8. Limitation of Responsibility

  1. FinaCMS is not responsible for lending decisions made by users.
  2. We are not liable for disputes between lenders and borrowers.
  3. We do not guarantee loan recovery or business success.

9. Policy Updates

  1. This policy may be updated periodically.
  2. Continued use of the platform constitutes acceptance of updates.

10. Contact Information

  1. Email: info@finacms.com
  2. Website: https://finacms.com