Terms & Conditions

1. Acceptance of Terms

By engaging with our services, visiting our website, or entering into any financial arrangement with Fair Securities Private Limited, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy and Fair Practices Code.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Be a resident of India (for certain services)
• Comply with all applicable laws and regulations
• Provide accurate and complete information during registration and KYC process

3. Services Provided

Fair Securities Private Limited offers financial services as permitted under our RBI registration. Our services are subject to:

• Approval based on creditworthiness and risk assessment
• Compliance with RBI Master Directions for NBFCs
• Completion of mandatory KYC procedures
• Terms specific to each financial product or service
• Availability and regulatory approval

4. KYC & Documentation

All customers must comply with KYC requirements:

• Submission of valid identity and address proof documents
• PAN card and Aadhaar verification as per regulatory requirements
• Photographs and signatures as required
• Periodic KYC updates as per RBI guidelines
• Additional documentation as may be required for specific services

5. Fees & Charges

Our fee structure is:

• Transparent and disclosed upfront in service agreements
• Compliant with RBI guidelines on pricing and disclosure
• Subject to applicable taxes and statutory levies
• May include processing fees, service charges, and interest as applicable
• Clearly specified in loan agreements and service documentation

6. Customer Obligations

As a customer, you agree to:

• Provide accurate, complete, and current information
• Maintain confidentiality of account credentials and personal information
• Notify us immediately of any unauthorized use or security breach
• Make timely payments as per agreed schedules
• Comply with all terms specific to your financial arrangement
• Update your contact and KYC information when changed

7. Representations & Warranties

You represent and warrant that:

• All information provided is true, accurate, and complete
• You have not concealed any material information
• Documents submitted are genuine and not forged or fabricated
• You are not involved in any illegal or fraudulent activities
• Funds used for transactions are from legitimate sources

8. Privacy & Data Protection

Your use of our services is also governed by our Privacy Policy. We collect, process, and store your personal information in compliance with applicable data protection laws and RBI guidelines. By using our services, you consent to such collection and processing as described in our Privacy Policy.

9. Limitation of Liability

To the extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages
• Our liability is limited to direct damages arising from proven negligence
• We are not responsible for losses due to circumstances beyond our control
• Service interruptions due to maintenance, technical issues, or regulatory requirements are not grounds for liability

10. Grievance Redressal

We have a robust grievance redressal mechanism in place. If you have any complaints or concerns, please refer to our Grievance Redressal Policy or contact our Grievance Officer at grievance@fairsecuritiespvtltd.com.

11. Amendments

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective upon posting on our website. Continued use of our services after such changes constitutes acceptance of the modified terms.

12. Governing Law & Jurisdiction

These Terms and Conditions are governed by the laws of India. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.

13. Contact Information