Terms and Conditions
Our Terms and Conditions govern your use of our website and financial services. By accessing and using our website, you agree to be bound by these terms and our Privacy Policy. If you do not agree with any part of these terms, please refrain from using our services. The terms "we," "us," and "our" refer to First Finance, and "you" refers to the user or customer engaging with our website and services. These Terms and Conditions constitute a legal agreement between you and us, and any updates or modifications will be effective upon posting. It is your responsibility to review these terms periodically for any changes.
Acceptance of Terms
By using First Finance, you acknowledge that you have read, understood, and accepted these Terms and Conditions. If you do not agree to these terms, please discontinue your use of our website and services. You must be of legal age and have the capacity to enter into a legally binding agreement to use our services. By accessing our website, you represent and warrant that you meet these eligibility requirements. The services provided on First Finance are intended for personal, non-commercial use only. Any commercial use or unauthorized access to our website is strictly prohibited. By accepting these terms, you agree to comply with all applicable laws and regulations while using our website and services. Additionally, you acknowledge that you have reviewed our Privacy Policy and consent to the collection, use, and disclosure of your personal information as outlined therein.
Eligibility
To use the services provided by First Finance, you must meet certain eligibility criteria. You must be of legal age (18) in your jurisdiction and have the legal capacity to enter into contracts. By accessing and using our website, you represent and warrant that you meet these eligibility requirements. Our services are intended for individual consumers and not for businesses or commercial entities. If you are accessing our website on behalf of an organization, you must have the authority to bind that organization to these Terms and Conditions. We reserve the right to refuse service to anyone at our discretion, and we may terminate or suspend your access to our website if we discover that you do not meet the eligibility criteria or violate any part of these terms.
Account Registration
In order to access certain features and services on First Finance, you may be required to create an account. When registering, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials, including your username and password. Any activity that occurs under your account is your responsibility, and you agree to notify us immediately of any unauthorized access or security breaches. We reserve the right to suspend or terminate your account if we suspect any fraudulent, abusive, or unauthorized activity.
Use of Services
By using First Finance, you agree to use the services in compliance with these Terms and Conditions and all applicable laws and regulations. You are solely responsible for all activities conducted under your account, and you must not use our website for any illegal, harmful, or unauthorized purposes. Any content you submit, post, or transmit through our website must not infringe on the rights of others, violate any laws, or be offensive, defamatory, or misleading.
Financial Products and Services
Our website may offer various financial products and services, including but not limited to loans, savings accounts, and investment options. The availability and terms of these products and services are subject to change without notice. By using these financial products and services, you agree to the specific terms and conditions associated with each product or service. It is important to carefully review the details and fees of each financial product or service before proceeding.
Fees and Charges
Certain financial products and services may involve fees and charges. These fees will be clearly stated in the relevant product or service terms and conditions. By using these products or services, you agree to pay the applicable fees and charges as specified. Failure to make timely payments may result in additional penalties or consequences, as outlined in the terms and conditions.
Privacy and Data Protection
We take the privacy and security of your personal information seriously. Our practices regarding the collection, use, and disclosure of your data are outlined in our Privacy Policy. By using our website, you consent to the collection and processing of your personal information as described in the Privacy Policy.
Intellectual Property Rights
All content, materials, and intellectual property on First Finance, including but not limited to logos, text, graphics, images, and software, are owned or licensed by us and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works based on our content without our explicit permission.
User Content and Submissions
By submitting content, feedback, or suggestions to First Finance, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and distribute your submissions for any purpose. However, we do not claim ownership of your content and will not use it for marketing purposes without your consent.
Third-Party Links and Content
Our website may contain links to third-party websites and services. These links are provided for your convenience, but we do not endorse or have control over the content or practices of these third-party sites. Your interactions with third-party sites are subject to their respective terms and conditions and privacy policies. We are not responsible for any damages or losses resulting from your use of third-party links or services.
Prohibited Activities
You agree not to engage in any activities that may harm, disrupt, or abuse the functioning of First Finance or its users. Prohibited activities include but are not limited to hacking, introducing malicious software, distributing spam, attempting to gain unauthorized access to accounts or systems, engaging in fraudulent or deceptive practices, violating intellectual property rights, or any other illegal or unethical conduct. We reserve the right to investigate and take appropriate action, including the termination of your account, if we suspect any violation of this provision.
Termination and Suspension
We reserve the right to suspend or terminate your access to First Finance at any time and for any reason, without prior notice. If you violate these Terms and Conditions or engage in any activities that may harm our website or other users, we may take immediate action, including the suspension or termination of your account. In case of termination, you will no longer have access to our services, and any remaining account balance or benefits may be forfeited. You may also be liable for any damages resulting from your actions.
Dispute Resolution
In the event of any dispute arising from your use of First Finance, you agree to resolve the matter through arbitration. The arbitration will be conducted in accordance with the laws of Andhra Pradesh, Rajasthan & Telangana. Any arbitration proceedings will be confidential, and the arbitrator's decision will be final and binding. You waive any rights to pursue a claim in court or participate in a class action lawsuit. However, this arbitration provision does not prevent you or us from seeking injunctive relief or bringing an action to enforce intellectual property rights or address unauthorized access or use of our website.
Limitation of Liability
To the extent permitted by law, First Finance and its affiliates, officers, directors, employees, and agents will not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of our website or the content and services provided. This includes but is not limited to damages for loss of profits, data, or goodwill, arising out of the use or inability to use our services. In no event shall our total liability to you exceed the amount you have paid, if any, to access and use our website.Indemnification
You agree to indemnify and hold First Finance and its affiliates, officers, directors, employees, and agents harmless from any claims, damages, liabilities, or expenses arising from your use of our website, violation of these Terms and Conditions, or infringement of any rights of others. This includes, but is not limited to, any legal fees incurred as a result of your actions or conduct.
Changes to Terms and Conditions
We may update or modify these Terms and Conditions from time to time to reflect changes in our services, legal requirements, or other reasons. Any changes will be effective immediately upon posting on our website. Your continued use of First Finance after the changes become effective constitutes your acceptance of the revised terms. It is your responsibility to review these terms periodically for any updates.
Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of Andhra Pradesh, Rajasthan & Telangana. Any legal actions or proceedings arising from these terms shall be subject to the exclusive jurisdiction of the courts in Andhra Pradesh, Rajasthan & Telangana. Any dispute or claim relating to your use of First Finance will be resolved in accordance with the laws of Andhra Pradesh, Rajasthan & Telangana, without regard to its conflict of law provisions.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and any additional agreements or policies referenced herein, constitute the entire agreement between you and First Finance regarding your use of our website and services. They supersede any prior agreements or understandings, whether written or oral, relating to the subject matter herein.
Severability
If any provision of these Terms and Conditions is deemed invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. The invalidity of any provision shall not affect the validity or enforceability of the remaining provisions.
Force Majeure
We shall not be liable for any failure or delay in performing our obligations under these Terms and Conditions resulting from events beyond our reasonable control. Such events may include, but are not limited to, natural disasters, acts of war, terrorism, civil unrest, labor strikes, or governmental actions.
Contact Information
If you have any questions, concerns, or feedback regarding these Terms and Conditions or our website, please contact us at contactus@firstfinance.in. We are here to assist you and ensure a positive experience with First Finance. Our customer support team is available to address any inquiries you may have.
