Last Updated: May 2026
🧾 1. Introduction
Welcome to FINANCIEN (“we”, “our”, “us”). By accessing or using our website, services, or courses, you agree to comply with and be bound by these Terms & Conditions.
If you do not agree with any part of these terms, please do not use our website or services.
🌐 2. Services Offered
FINANCIEN is a financial consultancy firm that provides:
- Loan consultation services (Home Loan, Business Loan, Loan Against Property, Personal Loan, Working Capital, etc.)
- Insurance guidance
- Financial advisory services
- Educational courses under FINANCIEN Academy
👉 We act as a facilitator/consultant, not a direct lender.
⚠️ 3. No Guarantee of Approval
- Loan approvals are subject to eligibility, documentation, and policies of respective banks/NBFCs.
- FINANCIEN does not guarantee approval, interest rates, or loan terms.
- Final decisions are made solely by the financial institutions.
👤 4. User Responsibilities
By using our services, you agree to:
- Provide accurate and complete information
- Submit valid and genuine documents
- Not misuse or attempt to manipulate the system
- Comply with all applicable laws and regulations
👉 Any false information may result in rejection or termination of services.
🔐 5. Privacy & Data Usage
Your personal and financial information will be handled as per our Privacy Policy.
By using our services, you consent to:
- Data sharing with banks, NBFCs, and partners
- Processing of your information for financial services
💳 6. Fees & Charges
- Consultation services may be free or chargeable depending on the service.
- Any applicable charges will be clearly communicated in advance.
- Loan-related charges (processing fees, interest, etc.) are decided by the lender, not FINANCIEN.
🎓 7. Courses & Digital Products (FINANCIEN Academy)
- Course content is for educational purposes only
- Access is granted after successful payment (if applicable)
- Sharing or distributing course content without permission is strictly prohibited
❌ Refund Policy (Courses)
- Course fees are non-refundable unless stated otherwise
📉 8. Limitation of Liability
FINANCIEN shall not be held responsible for:
- Loan rejection or delays
- Changes in interest rates or lender policies
- Financial losses due to decisions made by users
- Errors or interruptions on the website
👉 Users are advised to make informed financial decisions.
🔗 9. Third-Party Services
Our services involve third-party institutions such as banks, NBFCs, and insurance companies.
We are not responsible for:
- Their policies
- Their service quality
- Their decisions
🚫 10. Prohibited Activities
Users must not:
- Use the website for illegal activities
- Submit fraudulent documents
- Attempt to hack, disrupt, or misuse the platform
Violation may lead to legal action.
🔄 11. Changes to Terms
We reserve the right to update these Terms & Conditions at any time. Updates will be posted on this page.
Continued use of the website means you accept the updated terms.
⚖️ 12. Governing Law
These Terms & Conditions are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in Indore, Madhya Pradesh.
📞 13. Contact Information
For any queries regarding these Terms & Conditions, contact us:
📍 Address:
Geeta Nagar, Indore, Madhya Pradesh – 452010
📞 Phone:
+91 9826808132
📧 Email:
info@thefinancien.com
⚠️ Disclaimer
FINANCIEN is a financial consultancy firm and not a direct lender. All financial products are subject to the terms and approval of respective banks and financial institutions.