Terms & Conditions

Effective Date: 22-08-2025

Welcome to FinZo! By accessing or using our mobile app or website, you agree to be bound by the following Terms and Conditions. Please read them carefully.

1. Acceptance of Terms

By registering on FinZo or using any of our services, you agree to these Terms. If you do not agree, please do not use our platform.

2. Services Offered

FinZo offers digital financial services including but not limited to:

  • UPI-based payments and collections
  • Wallet management
  • Bill payments & mobile recharges
  • Virtual account issuance
  • Referral and commission programs for agents

All services are subject to regulatory compliance and availability through our banking/NBFC/API partners.

3. User Eligibility

You must:

  • Be at least 18 years of age
  • Be an Indian citizen with a valid mobile number and identity proof
  • Provide accurate KYC details for access to financial features

4. KYC & Compliance

All users must complete KYC (via CKYC or Aadhaar XML) as required under RBI and government norms. We reserve the right to verify or reject any user if the KYC fails or is found to be fraudulent.

5. Agents & Referrals

Users may become agents by registering through our referral system. FinZo reserves the right to determine eligibility and commission structure, which may change over time.

6. Prohibited Activities

You agree not to:

  • Use FinZo for illegal money transfers or money laundering
  • Provide false information or impersonate another person
  • Exploit referral or reward systems dishonestly

Violation of these terms may result in account suspension or legal action.

7. Limitation of Liability

FinZo and its partners will not be liable for:

  • Indirect, incidental, or consequential damages
  • Delays or failures caused by third-party banking APIs or networks

8. Termination

FinZo reserves the right to terminate or suspend access to any user in case of suspicious activity or violation of these terms.

9. Changes to Terms

We may update these Terms from time to time. Users will be notified, and continued use of the platform constitutes acceptance.

10. Governing Law

These terms are governed by the laws of India. All disputes are subject to the jurisdiction of courts in Lucknow.