Terms & Conditions

In these Terms & Conditions, the words such as “we”, “our”, “company”, and “us” refer to FLUBBI FINTECH LLP (MCA Reg No: ACR-4995, GST: 24AAKFF8021G1ZM) and its undertaken system. And the words such as “you”, “your” refer to FLUBBI FINTECH LLP users, customers, etc.

Here are the terms and conditions for Customers, Employees, and every user of our website - www.flubbifinance.com. So, the terms and conditions are applied as per your role. You must read all the below-mentioned Terms & Conditions carefully.

The Company wishes to offer the services under the terms and conditions set forth and the user/customer wishes to be associated unconditionally with these terms and conditions.

Therefore, in consideration of the agreements contained in this, the parties, intending to be legally bound, agree to the correctness and authenticity of the following details given to the company:

Information from you, such as applications or other forms (which include your name, address, marital status, employment, assets and income); and
Information about you, your accounts, and your holdings and transactions that we receive from you or others, such as account custodians, brokers, and other financial services firms, banks, etc.

If the company by any source finds out anyone bad-mouthing or defaming the company's reputation or company's members then strict legal action will be taken against the individual or group.

We're also serious about protecting our users by addressing potential privacy concerns. Our terms and condition guidelines apply to all users across the world. These terms and conditions apply to all information, in whatever form, relating to Flubbi Finance's business activities worldwide, and to all information handled by Flubbi Finance, relating to other organizations with whom it deals. It also covers all IT and information communications facilities operated by Flubbi Finance or on its behalf.

MEMBERSHIP TERMS AND CONDITIONS:

The payment of Membership fees is refundable only in accordance with the company's Cancellation & Refund Policy.
FLUBBI FINTECH LLP Membership is not transferable and is only valid up to its date of expiry (valid for 1 year from the date of application) and the membership may not be used by any person other than the purchaser.
Renewal terms and conditions are at the discretion of FLUBBI FINTECH LLP.
The Membership can only be used on/for our website.

CUSTOMER TERMS AND CONDITIONS:

The payment of Membership fees is refundable only in accordance with the company's Cancellation & Refund Policy.
The company only takes the cost of the Membership. No other tip of service is charged.
Customers can use the Membership only for loan purposes with given benefits. Also, buying a Membership lets you apply for a loan and it doesn’t guarantee loan approval as the final loan approval depends on the banks and the customer profile. If the loan is rejected, you can still avail other benefits of the Membership.
If a customer is viewing any advertisement/promotional content of the company and then approaching the company thinking that he/she will get the loan approval based on the advertisement, then it must be noted that a loan application will only be submitted once the customer buys FLUBBI FINTECH LLP’s Membership. Even after buying the Membership, the final loan approval depends on the bank(s) and customer profile. If the customer’s profile doesn’t match loan eligibility criteria, he/she won't be able to get a loan. Still, they can avail other benefits of the Membership.
Membership can be used only by the persons who have purchased it and not by any other person(s), source or third party.
If a customer reference does payment through the customer's own referral link which is provided by the company and if that shows in the customer's portal then the only company will give the reference payout of that customer.
If the customer loan is approved in our company and he/she denies that loan approval then also Membership payment would not be refundable.
The documents, cheques, and OTP that the company's employee asks the customer are for the processing of the loan only and the company never misuses them. Just for security, after completing the loan process, the customer can go to the concerned bank and cancel their cheque. The company is not responsible if any problems/disputes arise in the future.
If you do not give the OTP, documents, or document query for verification to the company's employee for the loan process, then your file will be rejected. (According to the criteria, if your file matches without OTP, your loan will be processed).
If our company's executive asks you for any payment transaction OTP, do not provide it. If the customer pays any charges other than the charge of the Membership, the company won’t be responsible for the same.
If a customer has any queries regarding the loan process then he/she would have to contact the department where their files are in process.
We will verify your documents in multiple banks; so whatever documents are submitted by customers in our company that will match with any bank criteria, in that bank only we will proceed with the loan process. (For example, if your file will match in 2 banks then our company's login department will login your document only in that 2 banks. The verification is done by the company's employee and there is no proof available for the same.
The document will be verified by the company in multiple banks. If your documents match the criteria of the bank, then the login process will be done in that bank. If your documents do not match the criteria of a bank, the company will give you a solution. You can take the solution and reapply after a certain period (1 year membership) - and this will be shown on the customer portal.
It is not fixed that the customer file will be logged in only in the banks listed on the company website. It may be logged in/verified in other banks also, depending on the customer file.
Our company is not taking extra charges other than Membership charges. If any third-party charges you then our company is not responsible for that.
There are no processing or file charges for customer loan approval. There is only one charge and that's only for the Membership (₹299/₹499 + GST) payable to FLUBBI FINTECH LLP - valid for 1 year.
Our company will log in customer files as per their requirements. (Example: If customer requirement is INR 1 lakh and if some bank criteria is up to INR 50,000 then we will not log in their file in that bank).
Wherever the customer file is logged in by the company, these details will not be given to any customer in written or digital form.
Loan offers and the pre-approval loans process depend only on the bank's rules and that type of loan is given only on customer behaviour. So, there is so much difference between that type of process and the company's process. If that loan is rejected in our company but gets approved by another company/source then the customer can't blame our company.
Loan approval depends on your profile so if your documents are perfect and as per the bank criteria then you will get a loan through our company.
The loan information is only given to the person who has applied for the loan.
During the loan processing time, if any customer would not be in contact with us for 3 days, then that file will be rejected by our company.
If your file is rejected in our company, then the customer has to make sure that they have to re-submit their documents, with the implemented company-suggested solution, in our company after a certain period (as per membership).
The company is not responsible if the customer loan is rejected by any queries.
If the customer will apply for the first time but his/her loan is rejected in our company then the company will give them a reason and solution for that. So at re-applying time if the customer will not resubmit a file with the solution implemented then the file will be again rejected in our company for the same reason. Still, the final loan approval will depend on the customer profile and the bank's criteria and rules & regulations.
The company will provide only the reason for rejection to the customer and it would not be provided in the form of hard or soft copy - it will only be shown in the customer portal. Some banks only provide general reasons, they don't give us any specific reason so the customer should not complain about that.
The customer has to give correct information about their CIBIL SCORE and PROFILE. If the customer gives wrong information, then the company will not be responsible for loan rejection.
The company will not be providing any CIBIL REPORT in digital or hard copy to any customer in any situation.
Bank charges are applicable as per banks' rules and regulations.
The company will take legal action against the customer who submitted fake documents. And the company won’t take any responsibility for the loan process in this case.
After the customer’s file is logged in, the customer has to contact only the login department and coordinate with them – not any telecaller or other department of the company. The further process has to be done according to the login department.
During the loan process if the rules of any bank change, then we have to follow those new rules.
The customer has to give their registered phone number for being contacted by the login department.
During the loan processing time, if the company gets any queries and it is not solving that in the given time, then the company has the authority to take more time to address the query. So, the customer must not complain about the same.
If the customer wants to reapply in our company after file rejection or approval, then he/she has to re-submit their documents in the customer portal.
When you are applying for a loan on our website, we are showing you only your Eligibility for the loan. So whatever details you enter on the website are accepted by software only, and that only shows your pre-approval and not your final loan approval. Approval only depends on your documents and the banks' rules and regulations. We are not giving you any guarantee for the final loan approval.
All the detailed criteria, terms, and information behind any of the company’s concise promotional content (social media ads, banners, SMS, advertisements, emails, etc.) are stated in the Terms & Conditions and Privacy Policy sections of the website. Any concerned person (customer, employee, etc.) must check and accept all the rules and regulations before availing any of the company’s services. If any person has confusion, they can call on the company’s customer care number to gain clarity before availing company’s services.
The customer's payment is executed by third-party payment sources. So whenever payment would be received by the company then only a Membership will be activated for the customer. If a customer's payment would be debited from his/her account but we don't receive any payment in the company's account then the company will not be responsible for that.
For any reference customer's payout, their account verification is compulsory. After verification, if the payout amount is debited from the company’s account and if it does not credit/reflect in the reference customer’s account – the company won’t be responsible for this issue.
Our company is a Limited Liability Partnership (LLP) and we are tied up with banks and corporate DSA. We are providing loans through banks only.
Multiple partnered banks' logos are shown on our website and our promotional content across many mediums – these are shown only for our company's marketing purpose. It might be possible that certain banks, whose logos are shown on our website/promotional content, are not partnered with our company. Also, these should not be assumed as any bank's advertisement.
If anyone takes any legal action against the company then only our legal advisor would be dealing with that and Surat, Gujarat will only remain the junction for any legal procedure. No one would be able to contact any partner or director of FLUBBI FINTECH LLP.
If any person has a doubt/question regarding any of the company’s terms and conditions, they can contact the company.
The eligibility age for buying a Membership is 18 - 62 years. The persons in this age bracket can avail benefits of the Membership.
For the Reference Customers who have given customer referrals to the company, it would be compulsory for them to submit their Payout Documents to the company within 30 days. If not submitted, all the payouts of the Reference Customer will be automatically cancelled. To get the cancelled payout, you can contact the company and discuss it.
Every reference payout will have a deduction of 5% TDS.
For the loan process, the company will only coordinate with the person who has purchased the Membership and has an ongoing loan process – the company won’t coordinate with any third party.
Every bank payout will have tax deductions as per the bank’s rules and regulations.
The Company's authorized person can change any rules and regulations at any time; the concerned person must be regularly updated with the company’s terms and conditions and has to accept them unconditionally.
The company will provide the appropriate loan services but the responsibility of customer handling will be of the reference customer.
If any bank's rules or company's rules are changing during the processing time of the loan then the customer has to follow those new rules.
The office holidays and bank holidays will not be counted as working days/business days. The company’s office work will be done on working days only.
Our promotional content may communicate messages like 'Get Personal Loan in 30 mins' or 'Get Rs.5,00,000 in 5 mins' on our company’s social media, blogs/articles, ads, websites, emails, SMS, or any other medium – it must be carefully noted that these messages are only meant for marketing and promotional purposes. All the numerical values that depict time/number of steps/number of clicks – are for marketing and promotional purposes only. The final loan approval and process depend on the customer profile and the bank/NBFCs’ rules, regulations and criteria. If you have any sort of doubt before starting the process, you can call our customer care number (10 am to 5 pm – Monday to Saturday).
As per the details/information entered by the user, even if the actual pre-approved amount is lesser than 2 Lakhs, the pre-approved amount shown on the website will be Rs.2 Lakhs (min). And, even if the actual pre-approved amount is more than 8.5 Lakhs, the pre-approved amount shown on the website will be Rs.8.5 Lakhs (max). The pre-approved amount/pre-approved loan offers are tentative – the final loan approval, loan sanction, and disbursement depend on the customer profile and the NBFCs’ rules and regulations.
The first login of the customer’s file will be handled and executed by the company. To avail the reapplying option, the customer will have to perform the self-login(s).

REFERENCE TERMS AND CONDITIONS:

Reference payout would be given to reference customers as per rules and regulations of our company.
Our company will give payout only on Membership; it does not depend on the reference customer's loan approval or rejection.
Whether the customer loan will be approved or not depends on the customer profile and the company does not give any guarantee for that.
If customers are giving a reference in our company for loan purposes, for that we have some criteria. The customer has to give a reference based on that criteria. The company is not giving you any type of guarantee for the loan approval in any situation at any cost so customers who give a reference have to agree with the decision of that file's login department.
The company will take legal action against the reference partner/customer who submitted fake documents. And the company won’t take any responsibility for the loan process in this case.
The Customer's terms and conditions are also applicable to the reference person's customers.
Reference customer's payment is done through third-party payment sources. So whenever payment would be received by the company then only the Membership will be activated. If the customer's payment is debited from his/her account but the company doesn't receive any payment in the company's account then the company will not be responsible for any queries.
During loan offers, if any reference person will do the online loan process then the company will give the payout up to 35% per Membership to the reference person. But before that, invoice generation is most important for any payout process.
If the customer of reference will do an online process then the customer's payout will be given to the referral partner. But during processing time, if the company would refund that amount to the customer for any reason, then that customer's payout will be cut out from the reference person's next payout.
Whatever documents are submitted by a reference person, they will be secure in our company. If documents will be misused by any other sources in future then our company is not responsible for that.
For the Reference Customers who have given customer referrals to the company, it would be compulsory for them to submit their Payout Documents to the company within 30 days. If not submitted, all the payouts of the Reference Customer will be automatically cancelled. To get the cancelled payout, you can contact the company and discuss it.
If anyone takes any legal action against the company then only our legal advisor would be dealing with that and Surat, Gujarat remains the only junction for any legal procedure. No one can contact any employee or director of our company.
If any person has a doubt/question regarding any of the company’s terms and conditions, they can contact the company.
Every reference payout will have a deduction of 5% TDS.
The office holidays and bank holidays will not be counted as working days/business days. The company’s office work will be done on working days only.
The Company will have no responsibility for the promotions conducted and undertaken by the Customer Reference. The Customer Reference agrees that the promotions done by them are at their own risk, and the Customer Reference cannot hold the Company responsible for any sort of losses faced due to the promotions.

GENERAL TERMS AND CONDITIONS:

If the login department fails to solve the customer queries with accuracy, dedication and responsibility, then the login department agency will be cancelled by the company.
The Customer's loan process will take more days due to any festival.
If anyone has GST then they have to add the GST number in their portal so that the company can provide a GST Return to them. If you haven’t received your GST Return – you can raise a request or call on company’s customer care number between 10 AM to 5 PM.
The Company is using Blogs for their advertising, so that content could be of the third party, so the company doesn't take guarantee of the information to be correct or incorrect.
If customers, employees, any other person, or any other party has a problem with the company then they have to inform that problem to our company through notice.
If customers, employees, any other person, any other third party has a problem/dispute/misunderstanding with the company, the right to take the final decision over the concerned issue is reserved with the company and the concerned person will have to accept the solution provided by the company.
The documents, cheques, and OTP that the company's employee asks the customer are for the processing of the loan, the company is not responsible if any problems/disputes arise in the future.
During any process on the website, if there is any kind of mistake that happens due to the software or website technical problems, the final decision on such disputes can only be taken by the company and it has to be accepted by anyone concerned.
The Company's authorized person can change any rules and regulations at any time; the concerned person must be regularly updated with the company’s terms and conditions and has to accept them unconditionally.
All the commitments made by the company’s employees, telecallers, or salespersons, etc. should be cross-checked by any concerned person from the Terms & Conditions section of flubbifinance.com before availing any of the company’s services. Only the rules and regulations stated on the company website will be considered official.
All the detailed criteria, terms, and information behind any of the company’s concise promotional content (social media ads, banners, SMS, advertisements, emails, etc.) are stated in the Terms & Conditions and Privacy Policy sections of the website.
If any Customer Referral’s customer gets a refund then the referral payout will not be provided (if provided, it would be deducted from the next payout).
While generating the payout for Customer Referrals, the company uses a third-party payment gateway. If the payout is stuck due to any payment gateway issue, then the payout would be delayed.
If there is any dispute that arises between any concerned user and the company, their account will be disabled immediately by the company.
All of the promotional content shared by the company is only for advertisement purposes. Any person should not assume it as the final loan approval.
The loan-related figures, rates, and information used in the promotional content are general. The final nature and specifics of the loan depend solely on the customer profile and the rules of the bank.
FLUBBI FINTECH LLP's company name, logo, content, business concept, software and system, pattern, website structure and design, and business process and offers are copyrighted with the company. If any individual or organization uses/copies any of the above-mentioned by even 1%, legal action may be taken against them.
If any person (customer, employee, etc.) is involved in any of the company's processes then the company is authorized to record the phone calls with that person.
If any customer applies for a loan in our company and if any other external person/organization commits fraud with that customer, it will not be the company’s responsibility.
Whatever loan offer is given to the customer is according to the customer profile. The customer will have to compulsorily accept the loan offer – he/she cannot deny the loan offer.
The company has full authority to use the customer’s information for purposes such as testimonials, advertisements, marketing, SMS, etc. DND/NDNC regulations won’t be applied.
If any person (user, customer, etc.) visits our website and indulges in any activity, it clearly expresses that the person agrees to and acknowledges all terms & conditions.
No customer can contact the bank’s employees to inquire about the loan file processes.
The customer, whose loan has been approved, must read and understand the bank agreement carefully. After the process is done, the company can’t be held responsible.
Any wrong/fake commitment or vocal statement given by the company’s employees would be considered invalid. Only the solutions or solution-related vocal statements would be considered valid.
Loan processing time might get delayed because of any public holiday, technical problems, customer issues, etc.
After the purchase of the Membership, the Company Executive will call the concerned person within 24-48 hours (it could be delayed due to any reason).
The content and any process on the website can be changed or modified at any instance. Only the current version will be considered valid.
By accessing our website, you affirm your age as 18 years or more.
In case the update email/message is not received due to technical problems, they can call on the company’s customer care.
To get the TDS Return, the reference customer has to submit all the details/documents asked in their portal.
The general criteria to apply for a personal loan: Min. Age: 21 years; Min. Salary: Rs.15,000/month (credited in the bank account); Salary Slips available.
The general criteria for business loan: Min. Age: 21 years; IT Returns available (min. 1 year); Business Stability proof available.
If any customer data & information is misused in future by any third-party, our company and its directors cannot be held responsible. Customers are advised to bring in their own discretion.
For any legal action or proceeding involving our company, Surat, Gujarat shall remain the only jurisdiction as per the registered office of FLUBBI FINTECH LLP.

PRE-APPROVAL LOAN OFFER TERMS AND CONDITIONS:

The Pre-Approved Loan Offer and the amount mentioned in it are solely shown based on the software calculation done on Monthly Income and Current Monthly EMI entered by the person. This "Pre-Approved Loan Offer" is tentative and not the final loan approval – as the final loan approval is given by the bank only; based on the bank’s rules and regulations and the customer profile.

Example: Consider a person named ‘Vikas’ enters Monthly Income: Rs.1,00,000 and Current Monthly EMI: Rs.30,000. Vikas is left with Rs.70,000 in hand. According to general rules, 50% of in-hand income (Rs.35,000) can be approved as EMI. Based on 11.25% ROI, the eligible amount is shown. This is tentative only.

CANDIDATE TERMS AND CONDITIONS:

The interview time is fixed and can't be taken any other time.
The candidate will have to appear for the interview as many times as the company asks.
A resume (Xerox) will be mandatory and will not be returned.

USAGE OF COOKIES / COOKIES POLICY:

Cookies are small files that enable the site's systems to recognize your browser and capture and remember certain information. We use cookies to help us understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic.

The user, customer, or any other person accessing our website clearly expresses and agrees that they have fully read and understood the Terms & Conditions and Privacy Policy of flubbifinance.com – and they accept them unconditionally.