1. Introduction

ZivoFin is a financial product discovery and marketplace brand operated by Infinirva Tech Solutions Private Limited ("we", "us" or "our"). This policy explains how we handle information when you visit our website, create an account, explore financial products, submit an application enquiry, use credit-report services or contact our team.

We process personal information in accordance with applicable law. Where consent is required, we will seek it before carrying out the relevant processing.

2. Information we may collect

• Contact information: name, mobile number, email address and communication preferences.
• Profile information: PIN code, state, city, address, company, employer and employment type.
• Financial information: salary or monthly income, requested loan amount, work experience, existing obligations and other information you provide to explore a product.
• Credit-related information: credit scores, credit-report details and related records when you request a relevant service and the required authorisation is obtained.
• Account and transaction records: service requests, application references, consent records, payment references and customer-support communications.
• Technical information: device and browser information, security logs, IP address, usage information and cookie identifiers, where applicable.

Please provide accurate information and do not send passwords, OTPs, PINs or card security codes through support messages.

3. How information is used

• To create and maintain accounts and verify access.
• To understand your stated needs and display potentially relevant financial products.
• To facilitate referrals or applications with participating providers when applicable permissions and consent are in place.
• To provide requested credit-report services and related insights.
• To process payments, maintain records and respond to service requests.
• To help detect fraud, prevent misuse, protect platform security and troubleshoot problems.
• To improve website performance and user experience.
• To meet applicable legal, regulatory, accounting and record-retention obligations.
• To send service messages and permitted marketing communications in accordance with applicable preferences and law.

4. Sharing of information

We do not sell personal information as a standalone data product. Where necessary and permitted, relevant information may be shared with:

• Participating banks, NBFCs, lenders and financial product providers when you request a referral or application.
• Credit information companies, authorised intermediaries and service providers for a credit-report service you have requested, where the necessary authorisation exists.
• Technology, hosting, communication, analytics, payment and security providers supporting our services.
• Professional advisers, auditors or public authorities where required for lawful purposes.
• Other recipients where you have directed or authorised the disclosure, or disclosure is otherwise permitted or required by law.

Third-party providers may process your data under their own terms and privacy policies. Review those documents before proceeding with their services.

5. Consent and withdrawal

Where required, we seek consent for collecting, using or sharing personal information. You may contact us to withdraw consent for future processing where applicable. Withdrawal may affect our ability to continue providing a particular service and does not automatically invalidate processing that occurred lawfully before withdrawal.

We may retain records where required or permitted by applicable law, including records needed to resolve disputes or meet legal obligations.

6. Data security and retention

We use reasonable technical and organisational safeguards intended to protect information against unauthorised access, alteration, disclosure or loss. No electronic system can be guaranteed to be completely secure.

Information is retained for as long as reasonably necessary for the purpose for which it was collected, to provide requested services, resolve disputes and comply with applicable obligations. Actual retention periods may differ by record type.

7. Your requests and rights

Subject to applicable law and identity verification, you may contact us to request access to relevant information, correction of inaccurate details, deletion where permitted, assistance with applicable consent choices, or help with a grievance.

Email support@zivofin.com and describe your request clearly.

8. Children's information

Our financial product discovery services are intended for adults legally capable of using the relevant service. We do not knowingly invite children to apply for financial products through the platform. Contact us if you believe a child has submitted personal information so that we can assess the appropriate response under applicable law.

9. Changes to this policy

We may update this policy as our services, technology or legal obligations change. The revised version will appear on this page with an updated date. We will communicate material changes where required by law.

10. Contact details

1. Acceptance of terms

These Terms & Conditions govern your access to and use of the ZivoFin platform operated by Infinirva Tech Solutions Private Limited. By accessing or using the service, you agree to these terms. If you do not agree, discontinue use of the relevant service.

2. Nature of the platform

ZivoFin helps users discover financial products, review indicative eligibility information and, where available, connect with participating financial institutions or service providers.

Unless expressly stated in a separate written agreement, ZivoFin is not itself the lender, does not accept deposits, and does not independently sanction or disburse loans. Products are provided by the relevant financial institution.

3. Eligibility and accurate information

• You must be legally capable of using the relevant service and meet any applicable eligibility requirements.
• You agree to provide accurate, complete and current information when creating a profile, checking eligibility or submitting an enquiry.
• You must correct inaccurate or outdated details when reasonably possible.
• You must not impersonate another person, submit forged documents, misrepresent income or employment, or use the platform for unlawful purposes.

4. Eligibility and lender decisions

Displayed eligibility results and offers are indicative unless a lender expressly confirms otherwise. A lender may conduct its own verification, underwriting and compliance checks. It may change the proposed terms, request documents, reduce an amount or reject an application.

Before accepting a product, read the lender's key fact statement, sanction letter, fee schedule, loan agreement and other applicable documents.

5. Account security

You are responsible for protecting your login credentials and promptly reporting suspected unauthorised access. We may restrict or suspend access where reasonably necessary for security, suspected fraud, legal compliance or platform protection.

6. Third-party services

ZivoFin may link to or integrate with lender websites, payment providers, credit information services and other third parties. Their services are governed by their own terms and policies. Review those terms before proceeding with a third-party provider.

7. Acceptable use

You agree not to:

• Use the platform in violation of applicable law or another person's rights.
• Attempt to access accounts, systems or data without authorisation.
• Introduce malicious code, disrupt the service or interfere with security.
• Copy or commercially exploit protected platform content without permission, except as permitted by law.
• Submit fraudulent applications or misuse another person's identity or credit information.

8. Intellectual property

The ZivoFin name, branding, website design, text, graphics and other platform materials are owned by or licensed to the relevant rights holder unless otherwise stated. You may use the platform for lawful purposes but may not commercially exploit protected materials without permission, except as permitted by law.

9. Availability and changes

We may modify, suspend or discontinue platform features for maintenance, security, operational or legal reasons. We aim to maintain reliable access but do not guarantee uninterrupted or error-free availability.

10. Liability and governing law

Nothing in these terms excludes or limits liability or rights that cannot lawfully be excluded or limited. Subject to applicable law, ZivoFin is not responsible for a lender's independent credit decision or for errors caused by information supplied inaccurately by a user or independent third party.

These terms are governed by the laws of India. Disputes will be handled by competent courts or forums under applicable law, without limiting mandatory statutory or consumer rights.

11. Contact

Contact support@zivofin.com or write to Infinirva Tech Solutions Private Limited, DBY Plaza, 1st Floor, 3rd Cross, Garden Area, Shivamogga, Karnataka - 577201.

1. Informational purpose

ZivoFin provides financial product information, product discovery tools, indicative eligibility information and referral or application facilitation where available. This information is intended to help users explore options. It is not a substitute for the official product documents or disclosures of a lender.

2. No guarantee of approval

Eligibility results, estimated rates, potential loan amounts and product matches may be based on the information you provide, available product criteria or participating provider data.

A lender may independently verify your information and assess creditworthiness. It may request additional documents, offer different terms or reject your application.

3. Rates, fees and offers

Interest rates, processing fees, tenure, eligibility criteria and offers may change. Displayed information may not include every charge or condition. Confirm the final terms directly with the relevant provider before accepting an offer.

4. Credit scores and reports

Credit scores and report information depend on the relevant provider's records, scoring model, reporting practices and retrieval date. A credit score or report does not guarantee approval or predict every lender's decision.

If you believe a report contains an error, contact the relevant credit information company or reporting institution through its official dispute procedure. ZivoFin cannot independently change the bureau's underlying records.

5. Third-party providers

Financial products may be offered by independent banks, NBFCs or other providers. Their decisions, product terms and services are subject to their own contractual and regulatory obligations.

6. Your responsibility

Compare total borrowing costs, assess repayment capacity, review contractual documents and seek independent advice when necessary. Do not rely solely on an indicative result when making a financial decision.

7. Contact

For questions about information displayed on ZivoFin, email support@zivofin.com.

1. What are cookies?

Cookies are small files stored by a website in your browser. Similar technologies may store or access information to support website functionality, security, preferences and analytics.

2. Types of cookies

3. How we use cookies

Cookies and similar technologies may help maintain sessions, protect accounts, remember preferences, diagnose errors, measure performance and support requested features. The technologies actually used depend on the tools enabled on the live website.

4. Managing cookies

You can manage or delete cookies through your browser settings. Blocking some cookies may affect login, navigation or other website features. Where applicable law requires consent for non-essential cookies, the relevant technologies should be configured to respect that requirement.

5. Third-party technologies

Embedded content, analytics tools, payment services or other integrations may use their own cookies or similar technologies. Their processing is governed by the relevant third party's policies and settings.

6. Contact

For cookie-related questions, contact support@zivofin.com.

1. Service overview

ZivoFin may provide access to credit-score or credit-report services through participating credit information companies, authorised intermediaries or technology providers. Availability depends on service coverage, technical integration and required authorisation.

2. Consent and verification

A credit-report request may require identity information, authentication, consent and other details prescribed by the relevant provider or applicable law. We request information reasonably required for the service you select.

Do not request another person's credit report unless you have the necessary authority and the request is permitted by law.

3. Fees and payment

Any applicable price should be displayed before you confirm a paid report request. If the active checkout page offers a report for ₹39, that price should apply only as described on that page. Applicable taxes and charges, if any, should be disclosed before payment.

Payment does not guarantee a successful report retrieval. If a request fails, the applicable payment and refund terms determine the next steps.

4. Report access period

If the purchased product expressly includes one month of report access, the report may remain available during that stated period from the applicable activation or purchase date. The expiry date and any refresh fee should be displayed clearly to the customer.

After the access period expires, a new retrieval may require renewed consent and payment if stated in the service terms. A refreshed report may differ from the earlier report.

5. Accuracy and disputes

Credit-report information comes from the relevant provider. ZivoFin does not independently create or control the underlying credit history maintained by a credit information company.

If you find inaccurate or outdated information, use the relevant bureau's official dispute and correction process. The bureau or reporting institution determines the outcome.

6. Confidentiality and security

Credit-related information is handled in accordance with our Privacy Policy and applicable obligations. Access should be restricted to authorised purposes and protected by appropriate safeguards.

Keep your login credentials and report files secure and avoid sharing credit reports with unauthorised persons.

7. No lending guarantee

A credit score or report is one factor a lender may consider. It does not guarantee loan approval, a particular interest rate or any specific credit limit.

8. Contact

For ZivoFin report access or payment issues, contact support@zivofin.com. For disputes about underlying credit records, contact the relevant credit information company or reporting institution through its official channel.

1. Applicable services

Some ZivoFin services may be free, while other services, including certain credit-report products or digital features, may carry a fee. The applicable price and service description should be displayed before you place a paid order.

2. Payment confirmation

Payments may be processed through third-party payment providers. An order is considered paid when the relevant payment status is confirmed by the payment system or our records. Retain your transaction reference or receipt.

3. Failed, pending or duplicate payments

If money is debited but the service is not activated, or a transaction appears pending or duplicated, contact us with the transaction reference, date and amount. Never send your full card number, CVV, password or OTP.

We will review the issue with the relevant payment provider. Resolution time may depend on the provider and banking systems.

4. Refund eligibility

Refund requests are assessed against the product description, terms displayed at purchase, applicable consumer law and the circumstances of the transaction.

• A duplicate payment may be reviewed for correction or refund.
• A confirmed payment where the purchased service could not be delivered may be reviewed for an appropriate remedy.
• Where a digital service has been successfully delivered, a refund may not be available unless the displayed terms or applicable law provide otherwise.
• Suspected unauthorised transactions may need to be assessed with the relevant payment provider.

This policy does not remove any mandatory consumer rights or remedies available under applicable law.

5. How to request a refund

Email support@zivofin.com with the subject "Payment or Refund Request". Include your order or transaction reference, payment date, amount and a description of the issue. We may request additional information reasonably needed to verify the transaction.

6. Refund processing

If approved, a refund will generally be initiated through the original payment method or another permitted method agreed with you. The time taken for funds to appear depends on the payment provider, bank and payment network.

7. Loan disbursements

Viewing an offer or submitting an application through ZivoFin does not mean ZivoFin has disbursed a loan. Loan disbursement, cancellation, foreclosure, repayment and related reversals are governed by the relevant lender's agreement and procedures.

1. Contact our support team

For concerns about account access, a ZivoFin service, a credit-report purchase, a payment or the handling of your information, contact us using the details below. Describe the issue clearly and include relevant references where available.

2. What to include

• Your name and the contact details associated with your account, where applicable.
• A clear description of the concern and the date it occurred.
• The application, order or transaction reference, if available.
• Supporting details needed to understand the issue, without passwords, OTPs, CVVs or unnecessary sensitive information.

3. Acknowledgement and resolution

We will review grievances submitted through the published contact channel and respond within a reasonable period, taking account of the nature and complexity of the issue and applicable legal or regulatory requirements. We may contact you if further details are needed.

Please keep your original email and any acknowledgement or reference provided by our team.

4. Lender or credit bureau complaints

Complaints about a lender's sanction, interest rate, loan account, repayment or collection activity may also need to be raised with that lender's official grievance channel. For credit-report inaccuracies, contact the relevant credit information company or reporting institution through its official dispute process.

5. Grievance officer details

1. Role of ZivoFin

ZivoFin is a financial product discovery and marketplace brand operated by Infinirva Tech Solutions Private Limited. Depending on the service and applicable arrangements, the platform may display product information, collect enquiries, facilitate referrals or help users initiate applications with participating providers.

The precise legal role of ZivoFin depends on the actual activity, contractual arrangements and applicable regulations. This page does not represent ZivoFin as a bank, NBFC or credit information company unless that status is separately and accurately established.

2. Independent lenders

Loans and other financial products shown on the platform may be offered by independent banks, NBFCs or other authorised providers. The relevant provider determines eligibility, underwriting, approval, pricing, contractual terms, disbursement and servicing in accordance with its own obligations.

A product's appearance on ZivoFin does not guarantee approval. Confirm product features, rates, charges and eligibility directly with the provider before proceeding.

3. Referrals and application information

When you request a lender connection or submit an application, relevant information may be shared with that provider for the stated purpose, subject to applicable consent and law. The provider may contact you to verify information or explain the product.

Review any specific consent, disclosure or authorisation shown during the application process before submitting your details.

4. Credit information companies

Credit-score and credit-report services may depend on participating credit information companies and authorised service providers. The relevant provider determines the information available and the applicable retrieval requirements.

A bureau name or logo should only be displayed for an actual supported integration or authorised service. Availability of one bureau's report does not mean every bureau is supported for every user or product.

5. Affiliations and endorsements

Third-party names, logos and product references identify the relevant provider or product where applicable. They should not imply an endorsement, partnership or official affiliation beyond the relationship that actually exists.

6. Complaints and responsibility

For a problem with the ZivoFin website, account, referral or a service purchased directly from ZivoFin, email support@zivofin.com.

For loan-account servicing, lender decisions, repayment records or credit-report disputes, you may also need to contact the relevant lender, credit information company or reporting institution through its official channel.

7. Company details