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Terms And Condition

1. I/We confirm that we have carefully read and fully understood all the terms of use of availing financing that are listed on Finova Capital website at http://www.finova.in/terms-of-use & https://www.finova.in/privacy-policy.php.


2. I/We accept the terms & conditions unconditionally and agree that these terms and conditions may be amended or modified at any time and I/we will be bound by the amended terms & conditions that are in force.


3. I/We understand that sanction of the loan(s) is at the sole discretion of the Group NBFCs / banks (affiliated lenders) and is subject to my/our execution of necessary documents, providing any security(ies) and other closing formalities to the satisfaction of the concerned Lender. I/We agree that Group NBFC at its sole discretion may reject my application without providing any reasons, and that I/We reserve no right to appeal against this decision.


4. I/We declare that I am/we are citizens of/resident in India and I/we declare, warrant and represent that all the particulars and information and details given / filled in this application form and documents given by me/us to are true, correct and accurate and I/we have not withheld / suppressed any material information. I/We undertake to furnish any additional information/ documents that may be required by FINOVA CAPITAL PRIVATE LIMITED from time to time. FINOVA CAPITAL PRIVATE LIMITED reserves the right to retain the photograph & the documents submitted with the applications & may not return the same to the applicant.


5. I/We confirm that there are no insolvency proceedings against me/us nor have I/we ever been adjudicated insolvent. I/We also undertake to inform FINOVA CAPITAL PRIVATE LIMITED of changes in my/our occupation/employment and to provide any further information that the company may require. I/We shall advise FINOVA CAPITAL PRIVATE LIMITED on the change in my/our resident status.


6. I/We agree that my/our loan will not be used for any speculative or anti-social purpose.


7. As a pre-condition, relating to grant of the loans/advances/credit facilities by FINOVA CAPITAL PRIVATE LIMITED to me/us, I/We agree and give consent for the disclosure by FINOVA CAPITAL PRIVATE LIMITED of: I. information and data relating to me/us and our directors and group companies; II. the information or data relating to any credit facility availed of/to be availed, by me/us; and III. default, if any, committed by me/us, in discharge of any our obligations, to all or any third parties as may be deemed necessary at the sole discretion of FINOVA CAPITAL PRIVATE LIMITED.


8. FINOVA CAPITAL PRIVATE LIMITED may, as it reasonably deems appropriate and necessary, disclose and furnish information as set forth above to CIBIL and/or any other agency authorized in this behalf by the RBI. The Borrower hereby agrees that FINOVA CAPITAL PRIVATE LIMITED shall be entitled to exchange information regarding our accounts with other financial institutions or banks, as and when required in accordance with Applicable Law and regulations.


9. I/We undertake and acknowledge that: I. For the purpose of assessing our credit worthiness, FINOVA CAPITAL PRIVATE LIMITED is authorized to pull from CIBIL and/or any other agency authorized by RBI, data of the applicant(s), directors, group companies, and any other individuals who are involved in the said business, on behalf of which this loan application is made; II. CIBIL and any other agency so authorized may use, process the said information and data disclosed by FINOVA CAPITAL PRIVATE LIMITED in the manner as deemed fit by them; III. CIBIL, and any other agency so authorized may furnish for consideration, the processed information and data or products thereof prepared by them, to banks/financial institutions and other credit grantors or registered users, as may be specified by the RBI in this behalf; IV. For the purpose of verification of my/our personal data, FINOVA CAPITAL PRIVATE LIMITED is authorized to pull from Central KYC Records Registry, ‘Know Your Customer’ data of the applicant(s), directors, group companies, and any other individuals who are involved in the said business, on behalf of which this loan application is made and V. For the purpose of assessing our credit worthiness, FINOVA CAPITAL PRIVATE LIMITED is authorized to fetch Goods and Service Tax returns/data, of the applicant(s), group companies, on behalf of which this loan application is made.


10. I/We further authorize FINOVA CAPITAL PRIVATE LIMITED to keep me/us informed (vide telephone, SMS, mail, E-mail etc.) of all promotional schemes and/or activities.