Terms of Service

These Terms of Service ("Terms") govern your access to and use of the GoldFin platform, including our website, application, and all related services (collectively, the "Service") provided by GoldFin Technologies Pvt. Ltd. ("GoldFin", "we", "us", "our"), a company incorporated under the laws of India.

1 Acceptance of Terms

By creating an account, accessing, or using the Service, you confirm that:

• You are at least 18 years of age.
• You have the legal authority to enter into this agreement on behalf of your business.
• Your business is a legally registered entity in India (e.g., Pvt. Ltd., LLP, Proprietorship) operating in accordance with applicable RBI, SEBI, or NBFC regulations.
• You have read, understood, and agreed to these Terms and our Privacy Policy.

2 Description of Service

GoldFin provides a cloud-based Software-as-a-Service (SaaS) platform designed specifically for gold loan businesses, NBFCs, and jewelers. The Service includes, but is not limited to:

• Gold loan origination, management, and closure workflows.
• Automated interest and penalty calculation (reducing balance method).
• Customer KYC (Know Your Customer) management and document storage.
• Gold packet management with barcode/QR code generation and tracking.
• Auction pipeline and notification management.
• Multi-branch administration and role-based access control.
• Reporting, analytics dashboards, and data exports.

GoldFin is a management tool only and does not itself lend money, provide financial advice, or act as an NBFC or financial institution.

3 Account Registration

To use GoldFin, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain and promptly update your account information.
• Keep your login credentials confidential and not share them with unauthorized parties.
• Notify us immediately at evergreeninfotechngl@gmail.com of any unauthorized account access.
• Accept responsibility for all activities that occur under your account.

We reserve the right to refuse registration, suspend, or terminate any account at our discretion.

4 Subscription & Billing

Subscription Plans

GoldFin offers tiered subscription plans (Starter, Growth, Enterprise) billed on a monthly or annual basis. Plan details, features, and pricing are as displayed on our Pricing page at the time of subscription.

Free Trial

New accounts receive a 7-day free trial with access to all features of the selected plan. No credit card is required for the free trial. If you do not subscribe to a paid plan before the trial ends, your access will be suspended.

Billing

• All prices are in Indian Rupees (INR) and are exclusive of GST at 18%.
• Payments are processed securely by Razorpay. By subscribing, you authorize Razorpay to charge your payment method on a recurring basis.
• Annual subscriptions are billed upfront for the full year at a discounted rate.

Refund Policy

Price Changes

We may change subscription prices at any time. For existing customers, we will provide at least 30 days' written notice before any price change takes effect.

5 Acceptable Use

You agree to use GoldFin only for lawful purposes and in accordance with these Terms. You must not:

• Use the Service to facilitate any unlawful, fraudulent, or deceptive lending practices.
• Upload, transmit, or distribute any malware, viruses, or malicious code.
• Attempt to gain unauthorized access to our systems, other users' accounts, or any networks connected to GoldFin.
• Reverse engineer, decompile, or disassemble any part of the Service.
• Reproduce, duplicate, copy, sell, or resell any part of the Service without our explicit written permission.
• Use automated means (scrapers, bots) to access the Service without prior written consent.
• Conduct any action that imposes an unreasonable load on our infrastructure.
• Store, process, or transmit any data that violates any applicable law, including data of individuals who have not consented to their information being stored.

6 Your Data & Content

Ownership: You retain full ownership of all data, information, and content you upload or create within GoldFin ("Customer Data"). GoldFin does not claim any intellectual property rights over your Customer Data.

License to Us: By using the Service, you grant GoldFin a limited, non-exclusive, royalty-free license to process, store, and display your Customer Data solely for the purpose of providing the Service to you.

Data Responsibility: You are solely responsible for the accuracy, quality, and legality of your Customer Data, and for ensuring that your customers have given appropriate consent for their data to be stored and processed in a cloud platform.

Data Portability: You may export your data at any time via the platform's export tools. Upon account termination, you have 30 days to export your data, after which it will be securely deleted per our data retention policy.

7 Intellectual Property

The GoldFin platform, including its software, code, design, trademarks, trade names, logos, and all related intellectual property, are exclusively owned by GoldFin Technologies Pvt. Ltd. and are protected by Indian and international intellectual property laws.

Nothing in these Terms transfers any ownership of GoldFin's intellectual property to you. Your subscription grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service during your subscription period.

8 Confidentiality

Both parties agree to keep confidential any non-public information disclosed during the course of using GoldFin. GoldFin will not disclose your Customer Data to any third party except as described in our Privacy Policy. You agree not to disclose any information about GoldFin's proprietary systems, pricing, or business practices to competitors or the public without our written consent.

9 Service Availability & Uptime

We target a Service uptime of 99.5% per calendar month, excluding scheduled maintenance windows. Scheduled maintenance will be announced at least 48 hours in advance via in-app notifications and email.

We do not guarantee that the Service will be uninterrupted, error-free, or free from security vulnerabilities. We are not responsible for any loss of data, revenue, or business resulting from unplanned service outages.

10 Limitation of Liability

To the maximum extent permitted by applicable Indian law, GoldFin Technologies Pvt. Ltd., its directors, employees, partners, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages.
• Any loss of profits, revenue, data, goodwill, or business opportunities.
• Any loss or damage arising from your reliance on any calculations, reports, or information generated by the platform without independent professional verification.
• Any damages arising from unauthorized access to your account due to your failure to maintain secure credentials.

In any case, GoldFin's total cumulative liability to you for any claims arising out of or relating to these Terms shall not exceed the total subscription fees paid by you in the three (3) months immediately preceding the event giving rise to the claim.

11 Indemnification

You agree to indemnify, defend, and hold harmless GoldFin Technologies Pvt. Ltd. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:

• Your access to or use of the Service.
• Your violation of these Terms.
• Your violation of any applicable law or regulation, including any violation of RBI/NBFC regulations.
• Any third-party claims relating to your Customer Data.

12 Termination

By You: You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period.

By GoldFin: We reserve the right to suspend or terminate your account immediately and without notice if you:

• Violate any provision of these Terms (especially Section 5, Acceptable Use).
• Fail to pay subscription fees when due after a 7-day grace period.
• Are found to be engaged in fraudulent, illegal, or harmful activities.

Effect of Termination: Upon termination, your right to access the Service immediately ceases. GoldFin will retain your data for 30 days post-termination, during which you may request an export. After 30 days, your data is permanently deleted.

13 Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Any disputes arising under or in connection with these Terms shall first be attempted to be resolved through good-faith negotiation between the parties. If negotiation fails within 30 days, disputes shall be submitted to binding arbitration under the Arbitration and Conciliation Act, 1996 of India. The seat of arbitration shall be Bangalore, Karnataka, and proceedings shall be in English.

Notwithstanding the above, either party may seek injunctive or other equitable relief in the competent courts of Bangalore, Karnataka, India.

14 Changes to These Terms

We may revise these Terms at any time. For material changes, we will:

• Update the "Last Updated" date at the top of this page.
• Provide at least 14 days' written notice via in-app notification and email before the new Terms take effect.

Your continued use of GoldFin after the effective date constitutes acceptance of the revised Terms. If you disagree with the changes, you may cancel your subscription before the effective date without penalty.

15 Contact Us

For questions about these Terms of Service, please contact our Legal Team:

• Email: evergreeninfotechngl@gmail.com
• Phone: 9789011848
• Address: poovancode junction , verkilambi to attoor road , Kanniyakumari district , Tamil Nadu , India