Terms of Service
Last Updated: October 31, 2025
1. Acceptance of Terms
Welcome to Finocall. By accessing or using our platform, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services. These Terms constitute a legally binding agreement between you and Finocall.
2. Description of Service
Finocall is an online platform that connects financial consultants ("Consultants" or "Experts") with individuals seeking financial guidance ("Aspirants" or "Users"). Our platform facilitates one-on-one consultations, session booking, payment processing, and related services.
3. User Accounts
3.1 Account Registration
To use certain features of our platform, you must create an account. You agree to:
- Provide accurate, current, and complete information
- Maintain and update your information as necessary
- Keep your password confidential and secure
- Notify us immediately of any unauthorized access
- Be responsible for all activities under your account
3.2 Account Types
We offer different account types:
- Aspirant Accounts: For individuals seeking financial consultations
- Consultant Accounts: For verified financial experts providing consultations
3.3 Account Termination
We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent, abusive, or illegal activity.
4. Consultant Requirements
Consultants must:
- Possess valid professional qualifications and certifications
- Provide accurate information about their expertise and experience
- Comply with all applicable laws and regulations
- Maintain professional conduct and ethics
- Complete verification process as required by Finocall
- Deliver services as described in their profile
- Maintain confidentiality of client information
5. Booking and Consultations
5.1 Booking Process
Aspirants can book consultations through our platform by selecting available time slots and completing the payment process. Booking confirmation is subject to consultant availability and acceptance.
5.2 Consultation Conduct
During consultations, users must:
- Be respectful and professional
- Provide accurate information when requested
- Not engage in harassment or abusive behavior
- Not record sessions without explicit consent
5.3 Cancellation and Rescheduling
Cancellation and rescheduling policies are determined by individual consultants. Refunds, if applicable, will be processed according to our refund policy and the specific circumstances of the cancellation.
6. Payment Terms
6.1 Pricing
Consultants set their own pricing for services. All prices are displayed in Indian Rupees (INR) unless otherwise specified. Prices are subject to change at the discretion of consultants.
6.2 Payment Processing
All payments are processed securely through our third-party payment processors. By making a payment, you agree to comply with the terms of our payment processors.
6.3 Service Fees
Finocall charges a service fee for facilitating consultations. This fee is deducted from the consultant's earnings and is clearly disclosed during the booking process.
6.4 Refunds
Refund eligibility is determined on a case-by-case basis. Generally, refunds may be issued for cancelled sessions, technical issues preventing consultation, or consultant no-shows. Refund requests must be submitted within 7 days of the scheduled consultation.
7. Intellectual Property
7.1 Platform Content
All content on Finocall, including text, graphics, logos, images, software, and design, is the property of Finocall or its licensors and is protected by intellectual property laws.
7.2 User-Generated Content
By posting content on our platform (reviews, comments, profile information), you grant Finocall a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such content for the purpose of operating and promoting our services.
7.3 Prohibited Use
You may not:
- Copy, modify, or distribute our platform content without permission
- Reverse engineer or attempt to extract source code
- Use our trademarks or branding without authorization
8. Prohibited Activities
Users are prohibited from:
- Violating any applicable laws or regulations
- Impersonating another person or entity
- Engaging in fraudulent or deceptive practices
- Harassing, threatening, or abusing other users
- Posting inappropriate, offensive, or harmful content
- Attempting to circumvent our payment system
- Using automated systems to access the platform (bots, scrapers)
- Interfering with the proper functioning of the platform
- Collecting user data without consent
9. Disclaimers
9.1 Service "As Is"
Our platform is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
9.2 No Financial Advice Guarantee
Finocall is a platform facilitating connections between consultants and aspirants. We do not provide financial advice and are not responsible for the accuracy, completeness, or reliability of any advice provided by consultants. Users should independently verify information and make their own informed decisions.
9.3 Consultant Verification
While we verify consultant credentials to the best of our ability, we cannot guarantee the qualifications, expertise, or performance of any consultant. Users should conduct their own due diligence.
10. Limitation of Liability
To the maximum extent permitted by law, Finocall and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from your use of the platform or any consultations booked through our services.
11. Indemnification
You agree to indemnify, defend, and hold harmless Finocall and its affiliates from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of the platform, violation of these Terms, or infringement of any third-party rights.
12. Dispute Resolution
12.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles.
12.2 Dispute Resolution Process
In the event of any dispute, users agree to first attempt to resolve the matter through good faith negotiations. If negotiations fail, disputes shall be resolved through binding arbitration in accordance with Indian arbitration laws.
13. Modifications to Terms
We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our platform and updating the "Last Updated" date. Your continued use of the platform after changes constitute acceptance of the modified Terms.
14. Termination
Either party may terminate their account at any time. Upon termination, your right to use the platform will immediately cease. We reserve the right to delete your account and data after termination, subject to our data retention policies and legal obligations.
15. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
16. Contact Information
For questions or concerns about these Terms, please contact us: