Terms & Conditions

Effective Date: 16 May 2025

Last Updated: 10 July 2026

1. Introduction

These Terms & Conditions (“Terms”) govern your access to and use of the website www.amfyr.com (“Website”), mobile applications, digital platforms, and all services provided by AMFYR Fintech Private Limited (“AMFYR”, “Company”, “we”, “our”, or “us”).

By accessing, browsing, using, registering on, or submitting information through the Website, you (“User”, “you”, or “your”) acknowledge that you have read, understood, and agreed to be legally bound by these Terms, together with the Privacy Policy and any other policies published on the Website.

If you do not agree with these Terms, please do not use the Website or AMFYR’s services.

2. Definitions

For the purposes of these Terms, the following expressions shall have the meanings assigned to them below:

• “AMFYR” means AMFYR Fintech Private Limited, a company engaged in loan facilitation and Direct Selling Agent (DSA) services.
• “Website” means www.amfyr.com and any associated web pages, portals, mobile applications, or digital interfaces operated by AMFYR.
• “Services” means loan facilitation, loan enquiry management, application assistance, customer support, financial product information, and related services provided by AMFYR.
• “Lending Partner” means any Bank, NBFC, Housing Finance Company, Financial Institution, or other authorized lender with whom AMFYR has a business relationship.
• “User” means any individual, entity, visitor, applicant, customer, or prospective customer accessing or using the Website or Services.
• “Personal Data” means any information relating to an identified or identifiable natural person, as defined under applicable Indian law, including the Digital Personal Data Protection Act, 2023.
• “Applicable Law” means all laws, regulations, circulars, guidelines, directions, and notifications applicable to the Services, including but not limited to the Information Technology Act, 2000, DPDPA 2023, RBI directions, and TRAI regulations.

3. Acceptance of Terms

• By using the Website, you confirm that you are legally competent to enter into a binding agreement under Indian law.
• Your continued use of the Website constitutes acceptance of these Terms and any amendments made by AMFYR from time to time.
• AMFYR reserves the right to modify, update, or revise these Terms at its sole discretion. Updated Terms shall become effective upon publication on the Website unless otherwise stated.
• It is your responsibility to review these Terms periodically. Continued use of the Website after changes are posted shall constitute acceptance of the revised Terms.

4. Eligibility to Use the Website

• You must be at least 18 years of age and capable of entering into a legally binding contract under the Indian Contract Act, 1872.
• You must provide accurate, complete, and current information when submitting enquiries, applications, or registration details.
• You must not use the Website if you are prohibited from doing so under any applicable law or regulation.
• AMFYR reserves the right to refuse, suspend, or terminate access to the Website or Services if eligibility requirements are not met or if false or misleading information is provided.

5. About AMFYR

AMFYR Fintech Private Limited is a loan facilitation company and Direct Selling Agent (DSA) that assists customers in identifying and applying for financial products offered by authorized Lending Partners.

AMFYR may facilitate enquiries and applications for various financial products, including but not limited to:

• Business Loans
• Doctors Loans
• Professional Loans
• Personal Loans
• Loan Against Property (LAP)
• Car Loans
• Home Loans
• Other loan and financial products offered by Lending Partners

AMFYR is not a Bank, NBFC, Housing Finance Company, or lender. AMFYR does not sanction, approve, disburse, or directly provide loans. All lending decisions are made solely by the respective Lending Partner.

6. Nature of Services

AMFYR provides technology-enabled loan facilitation and support services, which may include:

• Providing information about loan and financial products offered by Lending Partners.
• Assisting Users in submitting loan enquiries and applications.
• Collecting and forwarding customer information and documents to Lending Partners, subject to applicable law and user consent.
• Facilitating communication between Users and Lending Partners.
• Providing updates regarding the status of loan applications, where such information is available from the Lending Partner.
• Offering customer support and guidance related to the loan application process.

AMFYR may use digital platforms, CRM systems, telephonic interactions, WhatsApp, email, SMS, and other communication channels to provide these Services.

7. Loan Facilitation Disclaimer

• AMFYR acts solely as a loan facilitator and Direct Selling Agent (DSA).
• AMFYR does not guarantee loan approval, loan amount, interest rate, tenure, processing fee, disbursement, or any other loan term.
• Loan approval, rejection, sanction amount, pricing, tenure, documentation requirements, and disbursement are determined exclusively by the respective Lending Partner.
• Submission of an enquiry or application through the Website does not create any obligation on AMFYR or the Lending Partner to sanction or disburse a loan.
• AMFYR shall not be liable for any decision, delay, rejection, cancellation, or action taken by a Lending Partner in relation to a loan application.

8. No Guarantee of Loan Approval

The availability of loan products displayed on the Website is subject to the eligibility criteria, policies, risk assessment, and discretion of the respective Lending Partner.

• Meeting the basic eligibility criteria displayed on the Website does not guarantee loan approval.
• Loan approval may depend on credit score, income, repayment capacity, employment status, KYC verification, documentation, property valuation, and other factors considered by the Lending Partner.
• Lending Partners may modify or withdraw loan products, offers, interest rates, fees, and eligibility criteria at any time without prior notice to AMFYR or the User.

9. User Responsibilities

By using the Website or Services, you agree to:

• Provide true, accurate, complete, and updated information.
• Submit genuine and valid documents when required for loan processing, KYC, or verification.
• Use the Website only for lawful purposes and in compliance with Applicable Law.
• Not impersonate any person or entity, or falsely represent your identity, employment, income, or financial information.
• Not upload, transmit, or share any unlawful, fraudulent, defamatory, obscene, harmful, or misleading content.
• Maintain the confidentiality of any account credentials, OTPs, passwords, or verification codes associated with your use of the Website.

10. Accuracy of Information

AMFYR relies on the information provided by Users for facilitating loan enquiries and applications. You acknowledge that:

• You are responsible for ensuring that all information and documents submitted are accurate, complete, and not misleading.
• Providing false, inaccurate, forged, or misleading information may result in rejection of the application, suspension of Services, termination of access, and reporting to the relevant authorities.
• AMFYR may verify information through authorized third parties, Lending Partners, credit bureaus, KYC agencies, and other lawful sources.

11. Electronic Records and Digital Consent

You acknowledge and agree that:

• Electronic records, OTP-based confirmations, digital signatures, e-signatures, click-wrap acceptances, and electronic communications may be treated as valid and enforceable, subject to Applicable Law.
• By submitting information through the Website, WhatsApp, email, phone, SMS, or other digital channels, you authorize AMFYR to process such information for the purposes described in these Terms and the Privacy Policy.
• AMFYR may maintain records of consent, communications, and transactions for audit, compliance, legal, and operational purposes.

12. Consent for Communications

By providing your contact details, you authorize AMFYR and, where applicable, its Lending Partners to contact you through phone calls, SMS, WhatsApp, email, push notifications, and other electronic communication channels for purposes including:

• Loan enquiry follow-up and application processing.
• Documentation requests and verification.
• Loan status updates and service communications.
• EMI reminders, account servicing, and customer support.
• Promotional offers, marketing communications, and financial product information, subject to applicable law and your preferences.

All commercial communications shall comply with Applicable Law, including TRAI regulations and TCCCPR 2018, where applicable.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Subject to applicable dispute resolution provisions, the courts located in Kerala, India shall have jurisdiction over matters arising from or relating to these Terms.

14. Contact Information

AMFYR Fintech Private Limited

Website: www.amfyr.com

Email: info@amfyr.com

Phone: 9946484836

Registered Office: AMFYR FINTECH PRIVATE LIMITED

43/2723, 1st Floor, Westwood Centre,
St. Vincent De Paul Convent Road,
Palarivattom,
Cochin (Kochi) – 682025,
Kerala, India.

15. Customer Registration and Account Responsibilities

Certain services offered by AMFYR may require Users to submit personal information, create an online account, or register through the Website, mobile applications, WhatsApp, CRM portals, or other digital platforms.

By registering with AMFYR, you agree that:

• All registration information provided by you shall be true, complete, accurate, and up to date.
• You shall promptly update any information that becomes inaccurate or outdated.
• You are solely responsible for maintaining the confidentiality of your login credentials, passwords, One-Time Passwords (OTPs), and authentication details.
• You shall immediately notify AMFYR if you suspect any unauthorized access or misuse of your account.
• AMFYR shall not be responsible for any loss arising from unauthorized use of your account resulting from your negligence.

AMFYR reserves the right to suspend or terminate any account where inaccurate information, fraudulent activity, or misuse is detected.

16. Customer Due Diligence (CDD) and Know Your Customer (KYC)

To comply with applicable laws, regulatory requirements, and Lending Partner policies, AMFYR may collect and verify customer identity and financial information.

Users may be required to provide:

• Aadhaar Card
• PAN Card
• Passport
• Driving License
• Voter Identity Card
• Utility Bills
• Passport Size Photograph
• Salary Slips
• Bank Statements
• Income Tax Returns
• GST Documents
• Business Registration Documents
• Property Documents
• Any other documents requested by Lending Partners.

Users authorize AMFYR to verify submitted information through:

• CKYC Registry
• Government databases
• Lending Partners
• Credit Information Companies
• Third-party verification agencies
• Employer verification
• Income verification agencies
• Digital KYC service providers

Failure to provide satisfactory KYC documentation may result in rejection of the loan application.

17. Credit Bureau Authorization

By submitting a loan enquiry or application through AMFYR, the User expressly authorizes AMFYR and its Lending Partners to:

• Obtain credit reports.
• Obtain credit scores.
• Verify repayment history.
• Verify existing credit facilities.
• Assess creditworthiness.
• Monitor credit information permitted by law.

Credit information may be obtained from authorized Credit Information Companies including:

• TransUnion CIBIL Limited
• Experian Credit Information Company of India Private Limited
• Equifax Credit Information Services Private Limited
• CRIF High Mark Credit Information Services Private Limited

The User understands that:

• Credit enquiries may be treated as hard enquiries where applicable.
• Multiple enquiries may impact credit scores.
• AMFYR does not modify or control any credit bureau records.

18. Digital Consent and Electronic Acceptance

AMFYR operates through various digital platforms.

The User agrees that consent may be obtained through:

• Website Forms
• Mobile Applications
• CRM Portals
• Landing Pages
• Facebook Lead Ads
• Instagram Lead Forms
• Google Lead Forms
• WhatsApp
• Email
• SMS
• OTP Verification
• Electronic Signature
• Digital Signature
• Click-wrap Acceptance
• Recorded Telephonic Consent
• Branch Visit Consent Forms

The User agrees that such consent shall be legally valid under applicable Indian laws.

AMFYR shall maintain electronic consent records for audit, regulatory, and compliance purposes.

19. Electronic Communications

The User agrees that AMFYR may communicate through:

• Voice Calls
• SMS
• WhatsApp
• Email
• Push Notifications
• Mobile Applications
• Customer Portal
• Postal Communication
• Video Calls
• Virtual Meetings

Communications may relate to:

• Loan Processing
• Documentation
• Eligibility Assessment
• Credit Verification
• KYC Requirements
• Service Requests
• Complaint Resolution
• Product Information
• Customer Support
• Promotional Offers (where consented)

Electronic communications shall be deemed received when transmitted to the registered contact details provided by the User.

20. WhatsApp Communication Consent

Where the User voluntarily provides a WhatsApp-enabled mobile number, the User expressly authorizes AMFYR to communicate regarding:

• Loan Application Status
• Documentation Requests
• EMI Reminders
• Customer Support
• Verification Requests
• Promotional Campaigns
• Financial Product Updates

The User may withdraw WhatsApp consent at any time by notifying AMFYR through the prescribed communication channels.

21. SMS, Email and Telephonic Communication

The User expressly authorizes AMFYR and its Lending Partners to contact the User through:

• Telephone Calls
• SMS
• Email
• Automated Calling Systems
• IVR Systems
• Recorded Calls
• Customer Support Calls

Such communication may include:

• OTP Verification
• Customer Authentication
• Loan Status Updates
• Service Notifications
• Product Offers
• Compliance Communications

AMFYR shall endeavor to comply with applicable regulations governing commercial communications.

22. TRAI and Commercial Communication Compliance

AMFYR is committed to complying with applicable regulations governing commercial communications, including the Telecom Commercial Communications Customer Preference Regulations (TCCCPR), 2018 and applicable directions issued by the Telecom Regulatory Authority of India (TRAI).

Users acknowledge that:

• Service-related communications required for processing loan applications may be sent irrespective of marketing preferences where legally permissible.
• Marketing communications will be based on the User's consent and applicable regulatory requirements.
• Users may opt out of promotional communications through the unsubscribe mechanisms or by contacting AMFYR.

23. Website Usage Policy

The Website is intended solely for lawful purposes.

Users agree that they shall not:

• Attempt unauthorized access to any server or database.
• Introduce malware, viruses, ransomware, or malicious code.
• Perform vulnerability scanning without authorization.
• Reverse engineer any software.
• Copy website source code.
• Scrape website data using automated tools.
• Attempt to bypass website security.
• Interfere with website availability.
• Upload unlawful or offensive material.
• Use the Website for illegal activities.

AMFYR reserves the right to block, suspend, or permanently terminate access for violations of these Terms.

24. Intellectual Property Rights

Unless otherwise stated, all content available on the Website including:

• AMFYR name
• Logo
• Brand Identity
• Website Design
• Source Code
• Graphics
• Images
• Icons
• Software
• Calculators
• Articles
• Blogs
• Documents
• Databases
• Videos
• Training Materials
• Marketing Materials

are owned by or licensed to AMFYR and are protected under applicable intellectual property laws.

No content may be copied, reproduced, modified, distributed, published, transmitted, or commercially exploited without prior written permission from AMFYR.

25. Third-Party Products and Services

The Website may contain information regarding products and services offered by Lending Partners and other third parties.

AMFYR:

• Does not own such financial products.
• Does not guarantee product availability.
• Does not guarantee interest rates.
• Does not guarantee approval.
• Is not responsible for modifications made by Lending Partners.

Users are encouraged to review the respective lender's terms before accepting any financial product.

26. Links to Third-Party Websites

The Website may contain hyperlinks to third-party websites for the convenience of Users.

AMFYR:

• Does not control such websites.
• Does not endorse all third-party content.
• Is not responsible for their privacy practices.
• Is not responsible for their availability.
• Is not responsible for any loss arising from use of third-party websites.

Users access third-party websites entirely at their own risk.

27. Financial Calculators and Illustrative Information

The Website may provide:

• EMI Calculators
• Loan Eligibility Calculators
• Affordability Calculators
• Interest Calculators
• Educational Content

All results generated are illustrative estimates only.

Actual loan terms, repayment schedules, processing fees, and eligibility shall be determined solely by the respective Lending Partner.

28. Customer Responsibilities

Users agree to:

• Provide accurate information.
• Submit genuine documents.
• Cooperate during verification.
• Respond promptly to documentation requests.
• Maintain confidentiality of login credentials.
• Notify AMFYR of any fraudulent activity.
• Use the Website responsibly.
• Comply with all applicable laws.

29. Reservation of Rights

AMFYR reserves the right to:

• Reject any application.
• Suspend services.
• Refuse access to the Website.
• Modify products displayed.
• Remove content.
• Conduct verification.
• Request additional documents.
• Update these Terms without prior notice, subject to publication on the Website.

30. Privacy and Protection of Personal Data

AMFYR Fintech Private Limited ("AMFYR") recognizes the importance of protecting the privacy and confidentiality of personal information entrusted to it by customers, website visitors, prospective customers, business partners, and other users.

AMFYR is committed to collecting, processing, storing, using, sharing, retaining, and disposing of personal data responsibly, transparently, and in accordance with applicable laws of India, including but not limited to the:

• Digital Personal Data Protection Act, 2023 (DPDPA)
• Information Technology Act, 2000
• Applicable Rules framed thereunder
• RBI directions applicable to Direct Selling Agents (DSAs), and regulated entities
• Telecom Commercial Communications Customer Preference Regulations (TCCCPR), 2018
• Other applicable statutory and regulatory requirements.

Users are encouraged to read AMFYR's Privacy Policy available on the Website, which forms an integral part of these Terms.

31. Categories of Personal Information Collected

AMFYR may collect, receive, verify, process, and store information including, but not limited to:

Personal Identification Information

• Full Name
• Date of Birth
• Gender
• Aadhaar Number
• Permanent Account Number (PAN)
• Passport Number
• Driving Licence
• Voter Identity Card
• Photograph

Contact Information

• Mobile Number
• Email Address
• Residential Address
• Office Address

Financial Information

• Salary Details
• Income Proof
• Bank Statements
• Existing Loans
• Repayment Capacity
• Credit Exposure

Employment Information

• Employer Name
• Designation
• Employment Type
• Work Experience
• Business Details

Banking Information

• Account Number
• IFSC Code
• Account Type
• Banking Relationship

Credit Information

• Credit Score
• Credit Report
• Credit History
• Loan Repayment Behavior

Technical Information

• IP Address
• Browser Type
• Device Information
• Operating System
• Session Information
• Website Activity

Location Information

Where legally permitted and consented.

Communication Records

• Emails
• WhatsApp Messages
• SMS
• Customer Support Tickets
• Voice Calls
• Video Calls

Call Recordings

Calls may be recorded for:

• Training
• Quality Monitoring
• Compliance
• Dispute Resolution
• Fraud Prevention

CCTV Footage

Where customers visit AMFYR offices or branches.

32. Purpose of Processing Personal Data

AMFYR processes personal data only for legitimate business purposes, including:

• Loan enquiry management
• Loan application processing
• Customer onboarding
• Identity verification
• KYC compliance
• AML verification
• Creditworthiness assessment
• Risk evaluation
• Fraud prevention
• Customer support
• Complaint resolution
• Regulatory reporting
• Audit requirements
• Loan servicing
• Collection support
• Business analytics
• Product improvement
• Marketing communications (where consented)
• Compliance with legal obligations
• Protection of AMFYR's legal rights

AMFYR shall not process personal information for purposes incompatible with those disclosed to the User unless permitted under applicable law.

33. Data Sharing and Disclosure

AMFYR may disclose personal information strictly on a need-to-know basis and only for legitimate business or legal purposes.

Information may be shared with:

• Partner Banks
• Non-Banking Financial Companies (NBFCs)
• Housing Finance Companies
• Insurance Companies
• Credit Information Companies
• CKYC Registry
• UIDAI (where permitted)
• Government Authorities
• Regulatory Authorities
• Courts
• Law Enforcement Agencies
• Collection Agencies
• Legal Advisors
• Internal Auditors
• External Auditors
• Technology Vendors
• Cloud Hosting Providers
• Digital KYC Service Providers
• Payment Service Providers
• Business Process Outsourcing Partners
• IT Security Vendors

AMFYR shall endeavor to ensure that third parties receiving personal information maintain appropriate confidentiality and security standards.

34. Credit Bureau and Verification Authorization

The User expressly authorizes AMFYR and its Lending Partners to:

• Retrieve Credit Reports
• Verify Credit Scores
• Verify Loan History
• Verify Repayment Behaviour
• Verify KYC Records
• Verify Banking Relationships
• Verify Employment Information
• Conduct Fraud Checks

Verification may be conducted through:

• TransUnion CIBIL
• Experian
• Equifax
• CRIF High Mark
• CKYC Registry
• Government Databases
• Other legally authorized agencies

35. Cookies Policy

AMFYR.COM may use cookies and similar technologies to enhance the browsing experience and improve Website functionality.

Cookies may include:

Essential Cookies

Required for Website functionality.

Security Cookies

Used to protect against unauthorized access.

Performance Cookies

Used to monitor Website performance.

Analytics Cookies

Used to understand visitor behaviour.

Functional Cookies

Used to remember user preferences.

Marketing Cookies

Used only where permitted by applicable law and consent.

Users may configure browser settings to refuse cookies. However, certain Website features may not function properly if cookies are disabled.

36. Website Analytics

AMFYR may use analytics tools to understand:

• Visitor traffic
• Page performance
• User behavior
• Device information
• Browser compatibility
• Geographic trends
• Marketing effectiveness

Analytics information is used to improve customer experience and Website performance.

37. Information Security

AMFYR implements appropriate technical, physical, and organizational safeguards designed to protect personal information against unauthorized access, alteration, disclosure, loss, destruction, or misuse.

Security measures may include:

• Encryption of sensitive information
• Secure Socket Layer (SSL/TLS) encryption
• Role-Based Access Control (RBAC)
• Secure Firewalls
• Endpoint Protection
• Anti-malware Protection
• Secure Backup Systems
• Disaster Recovery Procedures
• Audit Logging
• Continuous Monitoring
• Vendor Security Assessments
• Employee Confidentiality Agreements
• Information Security Awareness Training
• Vulnerability Assessments
• Penetration Testing
• Incident Response Procedures

AMFYR continually reviews and improves its security controls based on evolving technology and business risks.

38. Data Retention

AMFYR retains personal information only for as long as necessary to:

• Provide Services
• Meet contractual obligations
• Comply with applicable laws
• Meet regulatory requirements
• Resolve disputes
• Prevent fraud
• Protect legal rights
• Support audit requirements

The standard retention schedule is:

Record Type	Retention Period
Loan Applications	10 Years
KYC Documents	As per Applicable Law and Regulatory Requirements
Consent Records	10 Years
Call Recordings	5 Years
Customer Complaints	8 Years
Marketing Consent Logs	10 Years
Audit Records	10 Years

Following expiry of the applicable retention period, information may be securely deleted, anonymized, archived, or destroyed in accordance with AMFYR's internal policies and legal obligations.

39. Confidentiality

All customer information received by AMFYR shall be treated as confidential except where disclosure is:

• Required by law;
• Required by a regulator;
• Required for loan processing;
• Authorized by the User;
• Necessary to protect legal rights;
• Necessary to prevent fraud or unlawful activity.

40. Disclaimer of Warranties

The Website and Services are provided on an "as is" and "as available" basis.

AMFYR makes no representation or warranty that:

• the Website will always be available;
• the Website will be uninterrupted;
• the Website will be error-free;
• all information displayed will always be complete or current;
• loan products displayed will remain available;
• any loan application will be approved.

To the fullest extent permitted by law, all implied warranties are excluded.

41. Limitation of Liability

To the maximum extent permitted by law, AMFYR, its directors, officers, employees, affiliates, agents, service providers, and Lending Partners shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to:

• Use of or inability to use the Website;
• Rejection, delay, or cancellation of loan applications by Lending Partners;
• Inaccurate information provided by Users;
• Technical failures or service interruptions;
• Unauthorized access resulting from User negligence;
• Third-party websites or services;
• Force majeure events.

Nothing in these Terms limits liability where such limitation is prohibited by applicable law.

42. Indemnity

The User agrees to indemnify, defend, and hold harmless AMFYR, its directors, officers, employees, affiliates, agents, and service providers from and against any claims, losses, liabilities, damages, costs, penalties, or expenses (including reasonable legal fees) arising out of:

• Breach of these Terms;
• Submission of false or misleading information;
• Violation of applicable laws;
• Misuse of the Website or Services;
• Infringement of third-party rights;
• Fraudulent or unlawful conduct by the User.

43. No Professional or Financial Advice

The information, calculators, articles, blogs, FAQs, and other content made available on the Website are intended solely for general informational purposes.

Such content does not constitute:

• Financial advice;
• Investment advice;
• Tax advice;
• Legal advice;
• Accounting advice;
• Professional advisory services.

Users should seek independent professional advice before making financial decisions.

44. Suspension and Termination of Services

AMFYR reserves the right, at its sole discretion and without prejudice to any other legal rights or remedies, to suspend, restrict, or terminate a User's access to the Website or Services, either temporarily or permanently, where:

• The User violates these Terms & Conditions.
• The User provides false, inaccurate, misleading, forged, or incomplete information.
• Fraudulent, illegal, suspicious, or unethical activity is detected.
• The User attempts unauthorized access to AMFYR's systems or networks.
• The User misuses the Website or interferes with its normal operation.
• Required KYC or verification documents are not provided.
• The User breaches applicable laws or regulatory requirements.
• Continued access may expose AMFYR, its Lending Partners, or other Users to security, financial, operational, or reputational risks.

Suspension or termination shall not affect any rights or obligations that accrued before such suspension or termination.

45. Fraud Prevention and Anti-Money Laundering (AML)

AMFYR is committed to maintaining robust fraud prevention and Anti-Money Laundering (AML) controls in accordance with applicable laws and regulatory expectations.

AMFYR reserves the right to:

• Verify the identity of Users.
• Perform customer due diligence and enhanced due diligence where required.
• Reject suspicious or fraudulent applications.
• Report suspicious transactions or activities to competent authorities where legally required.
• Cooperate with regulators, law enforcement agencies, and Lending Partners in investigations relating to fraud, money laundering, terrorism financing, identity theft, cybercrime, or other unlawful activities.

Users shall not knowingly submit forged documents, conceal material facts, impersonate another individual, or engage in fraudulent conduct while using AMFYR's Services.

46. Business Continuity and Service Availability

AMFYR endeavors to maintain uninterrupted access to the Website and Services. However, service availability may be affected by scheduled maintenance, technical upgrades, network failures, cyber incidents, regulatory actions, force majeure events, or other circumstances beyond AMFYR's reasonable control.

AMFYR does not guarantee uninterrupted or error-free operation of the Website and shall not be liable for temporary interruptions or delays.

47. Intellectual Property Enforcement

The trademarks, service marks, logos, trade names, domain names, software, source code, content, graphics, documents, layouts, databases, calculators, and all other intellectual property displayed on the Website are owned by or licensed to AMFYR or their respective owners.

Users shall not:

• Copy or reproduce Website content.
• Modify or create derivative works.
• Reverse engineer software.
• Remove copyright or proprietary notices.
• Use AMFYR's trademarks without prior written permission.
• Use Website content for commercial purposes without authorization.

Unauthorized use may result in civil and/or criminal action under applicable intellectual property laws.

48. Force Majeure

AMFYR shall not be liable for any delay, interruption, or failure to perform its obligations where such delay or failure results from events beyond its reasonable control, including but not limited to:

• Natural disasters
• Floods
• Earthquakes
• Fires
• Epidemics or pandemics
• War
• Terrorist activities
• Civil unrest
• Labour disputes
• Government actions
• Regulatory restrictions
• Internet or telecommunications failures
• Power outages
• Cyber-attacks
• Failure of third-party service providers

Performance of affected obligations shall be suspended for the duration of the Force Majeure event.

49. Regulatory Compliance

AMFYR conducts its operations in accordance with applicable laws and regulatory requirements, including, where applicable:

• Digital Personal Data Protection Act, 2023 (DPDPA)
• Information Technology Act, 2000
• Reserve Bank of India (RBI) directions applicable to Direct Selling Agents (DSAs)
• Telecom Commercial Communications Customer Preference Regulations (TCCCPR), 2018
• Prevention of Money Laundering Act, 2002 (PMLA), where applicable
• Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements of Lending Partners
• Other applicable Central and State laws of India

AMFYR may update its processes and these Terms to remain aligned with changes in applicable law.

50. Amendments to the Terms

AMFYR reserves the right to modify, revise, replace, or update these Terms & Conditions at any time.

The revised Terms shall become effective upon publication on the Website unless otherwise specified.

Users are encouraged to review these Terms periodically. Continued use of the Website after publication of revised Terms shall constitute acceptance of the updated Terms.

51. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of India.

Subject to any mandatory dispute resolution process required by applicable law, the courts having jurisdiction over the registered office of AMFYR in the State of Kerala shall have exclusive jurisdiction over disputes arising out of or relating to these Terms.

52. Dispute Resolution

AMFYR is committed to resolving customer concerns in a fair, transparent, and timely manner.

In the event of any dispute:

1. The User should first submit a written complaint to AMFYR's Grievance Officer.
2. AMFYR will endeavor to acknowledge and review the complaint within a reasonable timeframe.
3. If the dispute is not resolved amicably, either party may pursue remedies available under applicable law before the competent courts or authorities.

Nothing in these Terms restricts any statutory rights available to Users under applicable law.

53. Grievance Redressal

Users who have questions, concerns, complaints, or requests relating to these Terms, the Website, or the processing of personal data may contact AMFYR's designated Grievance Officer.

Grievance Officer

AMFYR Fintech Private Limited

Email: hr@amfyr.com

Phone: +91 62820 18612

Website: www.amfyr.com

Registered Office: AMFYR FINTECH PRIVATE LIMITED

43/2723, 1st Floor, Westwood Centre,
St. Vincent De Paul Convent Road,
Palarivattom,
Cochin (Kochi) – 682025,
Kerala, India.

AMFYR will endeavor to respond to grievances within the timelines prescribed under applicable law.

54. Severability

If any provision of these Terms is held by a court or competent authority to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

The invalid provision shall be interpreted, modified, or replaced to the minimum extent necessary to reflect the original intent while complying with applicable law.

55. Waiver

Failure by AMFYR to enforce any provision of these Terms shall not constitute a waiver of its rights to enforce such provision or any other provision at a later time.

Any waiver shall be effective only if made in writing by an authorized representative of AMFYR.

56. Entire Agreement

These Terms & Conditions, together with the Privacy Policy, Cookie Policy and any additional policies or notices published on the Website, constitute the entire agreement between AMFYR and the User regarding the use of the Website and Services.

They supersede all prior understandings, communications, or agreements relating to the subject matter herein.

57. Assignment

The User shall not assign or transfer any rights or obligations under these Terms without the prior written consent of AMFYR.

AMFYR may assign or transfer its rights or obligations under these Terms to any affiliate, successor, or entity as permitted by applicable law.

58. Contact Information

For any questions regarding these Terms & Conditions or the Services offered by AMFYR, please contact:

AMFYR Fintech Private Limited

Website: www.amfyr.com

Customer Support Email: info@amfyr.com

Grievance Email: hr@amfyr.com 

Phone: 9946484836

Registered Office: 43/2723, 1st Floor, Westwood Centre,
St. Vincent De Paul Convent Road,
Palarivattom,
Cochin (Kochi) – 682025,
Kerala, India.

Business Hours: Monday to Saturday, as notified by AMFYR.

59. Effective Date and Version Control

Document	Terms & Conditions
Effective Date	16 May 2025
Last Updated	10 July 2026
Approved By	AMFYR Fintech Private Limited
Next Review	As required by applicable law or business requirements

60. Final Declaration

By accessing, browsing, registering on, or using www.amfyr.com, or by submitting an enquiry, application, or any information through AMFYR's Website, mobile applications, digital platforms, social media campaigns, WhatsApp, email, telephone, or physical branches, you confirm that:

• You have read and understood these Terms & Conditions.
• You agree to comply with these Terms.
• You consent to the processing of your information in accordance with AMFYR's Privacy Policy and applicable laws.
• You acknowledge that AMFYR acts solely as a loan facilitator and Direct Selling Agent (DSA), and that all lending decisions are made independently by the respective Lending Partner.
• You understand that submission of a loan enquiry or application does not guarantee loan approval or create any obligation on AMFYR or any Lending Partner to provide a financial product.