Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "Client," or "you") and Trueways Financials ("Trueways," "we," "our," or "us"), governing your access to and use of our website located at https://truewaysfinancials.com and all associated advisory desks, financial consultation sessions, digital calculators, and communication channels.

If you do not agree to these Terms, you must discontinue the use of our website and services immediately.

2. Nature of Advisory & Facilitation Services

Trueways Financials operates as a professional financial facilitation and consultative advisory platform. It is important to understand our operational scope:

• Credit & Lending Services: Trueways is not a bank or Non-Banking Financial Company (NBFC). We do not directly issue loans or disburse credit from our own balance sheet. We analyze your requirements, compute debt ratios (FOIR/LTV), and benchmark options across our partnered RBI-licensed lending institutions. Final loan approval, interest rate assignment, and disbursal remain the sole prerogative of the respective lending bank or NBFC.
• Insurance Advisory & Claim Advocacy: We assist clients in evaluating, auditing, and selecting term, health, life, and general insurance products from IRDAI-licensed insurance companies. All policy terms, waiting periods, room-rent restrictions, and claim decisions are strictly bound by the formal policy contract issued by the insurer. Trueways acts as your advisory and claim support liaison.
• Investments & Mutual Funds: Informational tools, SIP calculators, and portfolio review desks are meant for financial planning, goal-mapping, and asset allocation education. Mutual fund investments are subject to market risks; past performance does not guarantee future results.

3. Accuracy of User Information & Honest Disclosure

To enable our team to provide accurate eligibility evaluations and claim-safe insurance structures, you represent and warrant that:

• All information you submit (including age, income, employment details, existing liabilities, and medical history) is authentic, current, and complete.
• When applying for insurance, you understand that non-disclosure or misstatement of pre-existing health conditions, previous hospitalizations, or tobacco/nicotine consumption can lead to policy voidance or claim repudiation by the insurer under Section 45 of the Insurance Act, 1938.
• You will not impersonate another individual or provide forged financial documentation (salary slips, bank statements, ITRs, property deeds).

4. Use of Calculators & Digital Estimators

All interactive calculators provided on our website (including the Loan EMI Calculator, Auto Loan Calculator, Health Super Top-Up Sizer, D.I.N.E. Term Cover Calculator, and Mutual Fund Suite) are designed solely for indicative financial estimation and educational modeling.

Calculations are based on mathematical formulas (e.g., standard reducing balance amortization or geometric compounding) and mathematical inputs provided by you. Actual interest rates, processing charges, insurance premiums, and tax deductions (under Sections 80C, 80D, 80E, or 10(10D)) may vary based on institutional credit policies, actuarial underwriting, statutory tax laws, and market conditions.

5. Zero-Spam Commitment & Communications Consent

In accordance with our consumer-first model:

• When you request a callback, loan eligibility assessment, or policy review via our website forms or WhatsApp desk, you expressly grant permission to authorized, salaried Trueways representatives to contact you via phone call, SMS, email, or WhatsApp to fulfill your specific request.
• We do not sell, barter, or distribute your phone number or email address to third-party telemarketing networks or call centers.
• You may opt out of further non-transactional advisory communications at any time by notifying our support desk.

6. Credit Information Bureau Authorization

Where you explicitly request an in-depth debt audit or pre-qualification for retail loan products, you authorize Trueways and its institutional lending partners to initiate a credit verification with authorized credit information companies (e.g., CIBIL, Experian, Equifax, CRIF High Mark) using your explicit OTP authentication. This authorization is strictly limited to assessing loan eligibility for the specific products you have requested.

7. Intellectual Property Rights

All content, trademarks, brand assets, logos, design blueprints, website copy, proprietary advisory frameworks (including references to the D.I.N.E. framework), custom calculator code, and interactive visual graphics on https://truewaysfinancials.com are the intellectual property of Trueways Financials, protected by Indian and international copyright and intellectual property laws.

You may not reproduce, modify, distribute, scrap, reverse engineer, or commercially exploit any software, content, or tool from our platform without express prior written consent from our management.

8. Limitation of Liability

To the fullest extent permitted by applicable Indian law:

• Trueways Financials and its directors, employees, and advisors shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from a lender's rejection of a loan application, delays in institutional disbursals, changes in bank benchmark interest rates (repo rate resets), or an insurer's dispute or repudiation of an insurance claim.
• We do not guarantee that our website will be uninterrupted, error-free, or entirely devoid of minor server downtime or technical glitches.

9. Third-Party Links & Partner Websites

Our website may contain hyperlinks to external third-party websites (such as banking portals, government portals, or insurance verification pages) for reference or statutory convenience. We do not endorse or assume responsibility for the content, privacy practices, or terms of third-party platforms.

10. Modifications to Terms

Trueways reserves the right to amend, update, or revise these Terms of Use at any time to reflect changing legal, regulatory, or business requirements. Any modifications will be posted directly on this page with an updated "Effective Date." Continued use of our website and services following such updates constitutes your acceptance of the revised Terms.

11. Governing Law & Dispute Resolution

These Terms shall be governed by, interpreted, and construed in accordance with the laws of India. Any legal dispute, controversy, or claim arising out of or relating to these Terms or the use of our services shall be subject to the exclusive jurisdiction of the competent courts situated in SAS Nagar (Mohali) / Chandigarh, India.

12. Contact & Grievance Redressal

If you have any questions, clarifications, or feedback regarding these Terms of Use, our compliance team is available to assist you: