1. Acceptance of Terms

By accessing or using the Capsafe Fintech website, mobile application, and related digital services (collectively, the "Platform"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Platform.

2. Account Registration and Security

To access our loan services, you must create an account. You agree to:

Provide accurate, current, and complete information during the registration process.
Maintain the security of your password and authentication credentials.
Accept full responsibility for all activities that occur under your account.
Notify us immediately of any unauthorized use of your account or any other breach of security.

3. Nature of Service and Regulatory Compliance

[Company Name] operates as a digital lending platform. All loan products, disbursements, and recovery practices are governed by applicable national financial regulations, including guidelines set forth by the Reserve Bank of India (RBI) regarding fair practices and digital lending. We reserve the right to modify or discontinue any service to remain compliant with evolving regulatory frameworks.

4. Consent to Electronic Communications

By using our Platform, you consent to receive all loan agreements, disclosures, notices, and other communications electronically. You agree that electronic signatures, click-through agreements, and OTP (One-Time Password) validations on our Platform carry the same legal weight as a physical signature.

5. Prohibited Activities

While using the Platform, you agree not to:

Submit false, forged, or altered identity documents or bank statements.
Attempt to bypass our security measures, scrape data, or introduce malicious code into our platform.
Use the Platform for any illegal activities, including money laundering or financing terrorism.
Harass, threaten, or abuse our customer support staff.

6. Intellectual Property

All code, design, text, graphics, and interfaces on the Platform are the exclusive property of [Company Name] or its licensors. You may not copy, modify, distribute, or reverse-engineer any part of the Platform without our explicit written consent.

7. Limitation of Liability

To the maximum extent permitted by law, [Company Name] shall not be liable for any indirect, incidental, or consequential damages resulting from your use or inability to use the Platform, including but not limited to server downtime, data loss, or delays in loan disbursement caused by third-party banking networks.

8. Account Suspension and Termination

We reserve the right to suspend or terminate your access to the Platform immediately, without prior notice, if we suspect fraud, a violation of these Terms of Service, or if directed by law enforcement agencies.