NeoFinQFinancial Intelligence

Legal Documentation

Disclaimer

Please read this Disclaimer carefully before relying on any information, recommendations, or financial products available through NeoFinQ.

Effective 29 June 2026 · Updated 25 August 2026 · ~4 min read · v1.1

NICEDIAL CONSULTANCY SERVICES (trading as NiceDial Tech)GSTIN: 06GWSPK8091K1ZK

1. General Disclaimer

NeoFinQ provides information for educational, informational, and comparison purposes only. Nothing on the Platform constitutes an offer, solicitation, or recommendation to purchase or apply for any financial product.

NeoFinQ operates a digital financial marketplace that helps users discover, compare, and apply for Personal Loans and Credit Cards offered by regulated third-party institutions.

NeoFinQ is not a bank, NBFC, lender, credit card issuer, or financial institution. We do not provide banking, lending, or credit services directly.

2. Information Accuracy

Information displayed on NeoFinQ is collected from Lending Partners, product issuers, and other publicly available sources.

Information may change without notice

  • NeoFinQ does not guarantee that all information is complete, accurate, or current at all times.
  • Interest rates, processing fees, eligibility criteria, rewards, benefits, and promotional offers may change without prior notice.
  • You should verify final terms directly with the relevant Lending Partner before applying.

3. No Financial Advice

NeoFinQ does not provide

  • Financial Advice
  • Investment Advice
  • Tax Advice
  • Legal Advice

Content on the Platform is intended for general information and product comparison only. Users should consult qualified professionals before making financial, investment, tax, or legal decisions.

4. No Lending Services

NeoFinQ does NOT

  • Approve Loans
  • Reject Loans
  • Issue Credit Cards
  • Decide Interest Rates
  • Decide Credit Limits
  • Control Loan Disbursement
  • Guarantee Approval

All lending, credit, pricing, and approval decisions are taken solely by the respective Lending Partners. NeoFinQ acts only as a technology platform facilitating discovery and application submission.

5. AI Recommendations

AI-generated recommendations

  • Recommendations are generated automatically using information voluntarily provided by users.
  • Recommendations are indicative only and do not guarantee approval, eligibility, interest rates, or credit limits.
  • Final decisions rest exclusively with Lending Partners — not NeoFinQ.

6. Third-Party Products

Financial products displayed on NeoFinQ are offered by independent third-party providers. NeoFinQ only facilitates discovery and applications — product ownership and servicing remain with the respective provider.

Banks

Personal loan and banking products from RBI-regulated banks.

NBFCs

Loan products from registered Non-Banking Financial Companies.

Credit Card Issuers

Credit card offers from partner banks and issuers.

Technology Partners

Infrastructure and integration partners supporting the Platform.

Verification Providers

KYC, identity verification, and compliance service providers.

7. Third-Party Websites

NeoFinQ may contain links to external websites, partner portals, and third-party resources. These links are provided for convenience and do not imply endorsement.

NeoFinQ is not responsible for the content, privacy policies, terms of use, or practices of any third-party website. You access external sites at your own risk and should review their policies independently.

8. Fraud Awareness

Beware of Fraud

NeoFinQ will NEVER ask users to:

  • Pay money for loan approval
  • Share OTP
  • Share Password
  • Share PIN
  • Share CVV
  • Share Internet Banking Credentials

Report suspicious activity: fraud@neofinq.com

If you receive suspicious calls, emails, or messages claiming to be from NeoFinQ or its partners, do not share personal or financial credentials.

9. Limitation of Liability

To the maximum extent permitted by applicable law, NeoFinQ shall not be liable for:

Loan rejection

Decisions to approve or reject applications made solely by Lending Partners.

Partner delays

Processing, disbursal, or communication delays caused by third-party providers.

Incorrect partner information

Errors in product details supplied by partners or public sources.

Technical interruptions

Platform downtime, outages, or service interruptions beyond our reasonable control.

Business losses

Loss of profits, revenue, or business opportunities arising from Platform use.

Indirect damages

Indirect, incidental, special, or consequential damages to the fullest extent permitted by law.

Partner decisions

Any action, policy, or decision taken by a Lending Partner or third-party provider.

10. No Warranty

Provided "As Is" and "As Available"

  • Availability — uninterrupted or error-free operation of the Platform.
  • Accuracy — completeness or timeliness of all displayed information.
  • Suitability — fitness of any product for your specific financial needs.
  • Reliability — performance of third-party partners or external services.
  • Continuous operation — permanent availability of any feature or service.

NeoFinQ makes reasonable efforts to maintain the Platform but provides no warranties, express or implied, regarding the items listed above.

11. Changes to Disclaimer

NeoFinQ reserves the right to modify this Disclaimer at any time without prior notice. Updates will be posted on this page with a revised effective or last updated date.

Your continued use of the Platform after any changes constitutes acceptance of the updated Disclaimer.