Disclaimer – Legal Liability Protection

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This Disclaimer (“Disclaimer”) applies to the use of the Flubbi mobile application (“App”) operated by FLUBBI FINTECH LLP (“we”, “us”, “our”).

By accessing or using the App, you agree to this Disclaimer.

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1. No Lender Relationship

FLUBBI FINTECH LLP is not a bank, NBFC, or financial institution, and we do not:

• Approve or reject loans
• Disburse loan amounts
• Decide interest rates or tenure
• Influence lender decisions

All loan decisions are made solely by the respective banks/NBFCs.

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2. Consultancy-Only Role

We operate only as a loan consultancy and facilitation platform. Our services are limited to:

• Providing general financial information
• Assessing eligibility
• Offering lender suggestions
• Assisting with documentation
• Facilitating the loan application process

We do not provide financial, legal, tax, investment, or credit advice.

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3. No Guarantee of Loan Approval

We do not guarantee:

• Loan approval
• Loan amount or terms
• Processing speed or timeline
• Accuracy of lender decisions

Loan approval depends solely on lender policies, internal risk models, credit bureau checks, and other independent factors.

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4. Information Accuracy

While we strive to keep the information accurate and updated, we do not guarantee:

• Completeness
• Timeliness
• Accuracy
• Reliability

Interest rates, loan details, lender criteria, and eligibility norms are subject to change without notice. We are not responsible for errors, omissions, or outdated information.

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5. Third-Party Links & Services

The App may contain links to:

• Banks/NBFC websites
• Third-party APIs
• Verification services
• External financial tools

We do not endorse or control these external services. We are not liable for:

• Their content
• Their practices
• Any loss or damage caused by their services

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6. User Responsibility

You acknowledge that:

• You submit information voluntarily.
• You are responsible for the correctness of all documents and details.
• You assume all risks associated with financial decisions.

We strongly advise consulting professional financial advisors before making financial commitments.

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7. No Professional Advice

Information provided in the App is for general educational and informational purposes only. It should not be treated as:

• Financial advice
• Legal advice
• Investment advice
• Tax planning advice

Any decisions made based on App content are at your own risk.

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8. Limitation of Liability

To the maximum extent permitted by law, we are not liable for:

• Loan rejection or modification
• Financial loss or damages
• Delay in processing by lenders
• Incorrect or incomplete data from third parties
• Technical errors, downtime, or service interruptions
• Loss of profits, data, or business opportunities

Your use of the App is at your sole risk.

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9. Indemnification

You agree to indemnify and hold FLUBBI FINTECH LLP harmless from any claims, damages, losses, and liabilities arising out of:

• Misuse of the App
• Submission of incorrect information
• Violation of Terms & Conditions
• Fraudulent activities

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10. Changes to Disclaimer

We may update or amend this Disclaimer at any time. Updates will be posted in the App with a revised “Last Updated” date.

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11. Contact Us

FLUBBI FINTECH LLP
Email: support@flubbi.in
Phone: +91 93283 53154
Address: B-202, Shivalik Plaza, Nr VIP Circle, Utran, Mota Varachha, Surat-394105