Terms & Conditions - Finova

Terms and Conditions – Finova: Easy Loan Eligibility

By downloading, accessing, or using Finova: Easy Loan Eligibility ("Finova", "App", "Service", "we", "our", or "us"), you agree to comply with these Terms and Conditions. If you do not accept these terms, please discontinue use of the application immediately.

Service Overview

Finova is a financial assistance and calculation tool designed to help users:

  • Estimate potential loan eligibility
  • Calculate EMI (Equated Monthly Installment) amounts
  • Explore loan-related financial calculations
  • Access informational resources related to personal finance and lending

The App is intended solely as an informational and educational utility and should not be considered a provider of financial, lending, banking, investment, or legal services.

No Lending or Financial Advisory Services

Finova does not:

  • Issue or disburse loans
  • Process loan applications
  • Approve or decline loan requests
  • Operate as a bank, NBFC, or lending institution
  • Provide investment recommendations
  • Guarantee eligibility, approval, or loan terms

All calculations, estimates, and results displayed within the App are indicative in nature and should not be relied upon as official financial advice or lending decisions.

Users are encouraged to consult qualified financial professionals or lending institutions before making any financial commitments.

User Obligations

When using Finova, you agree to:

  • Use the App in accordance with applicable laws and regulations
  • Enter accurate information when utilizing calculators or other tools
  • Respect the integrity and functionality of the Service
  • Avoid activities that may disrupt, damage, or interfere with the App
  • Refrain from attempting unauthorized access to systems or data

You are solely responsible for any actions or decisions taken based on the information generated by the App.

Advertising and Promotions

Finova may display advertisements supplied by third-party advertising networks, including Google AdMob and similar providers.

Advertising revenue helps support ongoing maintenance, improvements, and operation of the Service.

We do not endorse, verify, or guarantee the products, services, or content presented in third-party advertisements. Any engagement with advertisers is entirely between you and the respective third party.

For more information regarding Google's advertising practices, please visit:

https://policies.google.com/technologies/ads

Third-Party Services

The App may utilize services provided by external partners, including but not limited to:

  • Google Play Services
  • Google AdMob
  • Firebase
  • Firebase Analytics
  • Firebase Crashlytics
  • Meta SDK

These services are governed by their own terms, policies, and privacy practices. We are not responsible for the content, operations, or practices of third-party providers.

Useful links:

Google Privacy Policy:  https://policies.google.com/privacy

Firebase Privacy and Security: https://firebase.google.com/support/privacy

Meta Privacy Policy: https://www.facebook.com/privacy/policy

Ownership and Intellectual Property

All trademarks, branding, visual assets, text, software components, logos, designs, and other materials associated with Finova are protected by applicable intellectual property laws and remain the property of their respective owners.

You may not:

  • Copy, duplicate, or reproduce App content
  • Modify, adapt, or create derivative works
  • Reverse engineer, decompile, or attempt to extract source code
  • Redistribute or commercially exploit App materials without authorization
  • Use our branding, logos, or intellectual property without permission

Any unauthorized use may result in legal action.

Warranty Disclaimer

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without any express or implied warranties.

While we make reasonable efforts to ensure proper operation and accurate calculations, we do not guarantee:

  • Accuracy or completeness of results
  • Continuous or uninterrupted access
  • Absence of technical issues or defects
  • Suitability of the App for any specific purpose
  • Availability of all features at all times

Your use of the App is entirely at your own risk.

Limitation of Liability

To the fullest extent permitted by applicable law, Finova, its developers, affiliates, partners, and licensors shall not be responsible for any losses or damages arising from the use of the Service, including but not limited to:

  • Financial losses
  • Loss of business opportunities
  • Indirect, incidental, or consequential damages
  • Data loss or corruption
  • Reliance on calculations, estimates, or informational content provided by the App

Users acknowledge that actual financial outcomes may differ from estimates generated by the Service.

Updates and Modifications

We may introduce changes to the App from time to time, including updates related to:

  • Features and functionality
  • Performance enhancements
  • Security improvements
  • Bug fixes
  • User experience optimization

Certain features may be modified, replaced, suspended, or removed without prior notice.

Suspension or Termination

We reserve the right to limit, suspend, or terminate access to the Service if we determine that a user has violated these Terms, engaged in misuse, or attempted activities that may harm the App or its users.

Children's Usage

Finova is not designed for children under the age of 13.

We do not knowingly collect personal information from children or permit use of the Service where such collection would occur.

Revisions to These Terms

We may update or revise these Terms and Conditions periodically to reflect changes in legal requirements, business practices, or Service functionality.

Any updated version will be made available through the App or associated policy pages. Continued use of the Service after revisions become effective signifies your acceptance of the updated Terms.

Contact Information

If you have any questions, feedback, or concerns regarding these Terms and Conditions, please contact us:

Email: finlora.support@gmail.com

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