Terms & Disclaimer

These terms are between you, the person using this website, and FINUNIVERSE PRIVATE LIMITED, a private limited company registered in India at D.No 58-1-253/7, 2nd Floor, Ganesh Nagar, NAD Kotta Road, Visakhapatnam, Andhra Pradesh 530009. Our registration numbers are printed at the foot of this page. By using the site, you accept these terms. If you do not accept them, please do not use the site.

They cover this website. They do not replace the terms of a bank, financial institution or service provider whose service you use at one of our counters. Those have their own terms, and those terms govern that service.

FINUNIVERSE PRIVATE LIMITED works as an intermediary — a banking correspondent. We run counters where services belonging to banks, financial institutions and other providers are delivered to you, closer to where you live.

We do not hold your money. We do not open accounts, issue cards, sanction loans or write insurance policies in our own name. The bank or institution behind a service is the provider of that service and remains responsible for it. Everything this site describes is a service we help you reach, not a product of our own.

If anybody tells you that FINUNIVERSE is a bank, or asks you for money on a promise this site does not make, stop and call one of the numbers at the foot of this page before you part with anything.

The disclaimer printed above is the rule. This is what it means from one day to the next.

Availability

A service listed on this site may not be available at every counter, or on a particular day. Bank systems go down, networks drop, devices fail and cash runs out. Please phone the counter before you travel — the number is on every branch page.

Eligibility

Whether you can use a service depends on your own eligibility, on the documents you have with you, and on the rules of the bank or institution concerned and of the government or regulator.

Outcome

Where we help you apply for something — an account, a loan, an insurance policy, a government scheme — the decision belongs to the bank or institution, not to us. We cannot promise that an application will be accepted, or how long it will take. Helping you apply is not approval.

Nothing on this website is an offer, a commitment or a guarantee of any service, any rate or any outcome.

These pages describe, in general terms, what our counters do. They are not financial, investment, tax, insurance or legal advice, and they are not a recommendation to take any product. Before you commit to anything, read the bank’s or the insurer’s own documents and keep asking at the counter until you are satisfied you understand it.

Addresses, phone numbers and registration details are published in good faith and kept as current as we can keep them. No working hours are published on this site, because we have not confirmed them for every counter — call before you travel. If you find something here that is wrong or out of date, tell us and we will correct it.

No prices are published on this website. Any charge for a service is set by the bank, institution or provider whose service it is, or is displayed at the counter. Ask at the counter, or phone, before you transact — and always take the receipt or confirmation you are given and keep it.

Some links here take you off this site — a map or a set of directions on Google Maps, or the website of a bank or a government department. Those sites are run by other people. We do not control them, we are not responsible for what they contain, and what they do with your information is covered by their own terms and privacy policies, not by ours. Our own is set out in the privacy policy.

The FINUNIVERSE name, the logo, and the text, drawings, photographs and layout of this website belong to FINUNIVERSE PRIVATE LIMITED, unless something on the page says otherwise. You are welcome to read, print and share these pages for your own use, and to quote from them with credit.

You may not use our name or our logo to present yourself as FINUNIVERSE, or as our agent, employee or correspondent, without our written permission. If you find somebody doing that, please tell us on the email address or the numbers below.

We may change these terms — if a service changes, or a rule changes, or something here needs to be clearer. The version on this page, carrying the date at the top, is the one that applies. If you go on using the site after a change, you are accepting the new version.

These terms, and any dispute arising out of this website or out of them, are governed by the laws of India.

Speak to the counter first — most things are settled there. If that does not resolve it, write to contact.finuniverse@gmail.com or call +91 93987 56711 or +91 88865 08561. Tell us what happened, which counter and on what date, and keep the receipt or confirmation you were given.

If your complaint is about a bank’s own service — money that did not reach an account, or a decision on an application — that bank’s grievance process applies, not ours. Tell us which service it was and we will tell you which bank to approach and what to take with you.