Terms And Condition of Manipal Fintech

Eligibility to use the Website

Those users who are eighteen (18) years of age or older can use and access the site and by using the services of this site, the user represent and warrants that he is 18 or older and agree to abide by all of the terms and conditions of these Terms of Use. If the user violates any of the terms of use, or otherwise violate any agreement, the Company may terminate account of the user, delete his profile and data and/or prohibit him from using or accessing the Service or the Site, at any time in its sole discretion, with or without notice, including without limitation if it believes that the user is violating or posing any risk to the site or the company.

MFPL (Formerly SFSPL) is a Fintech company and tech service provider and it facilitate application/processing/disbursal and closure of Gold loans. The terms and conditions of the lender financial shall supersede any information presented displayed here.

User Account

User is responsible for maintaining the confidentiality of his account and password and for restricting access to his computer to prevent unauthorized access to his account. User agrees to accept responsibility for all activities that occur under his account or password. He should take all necessary steps to ensure that the password is kept confidential and secure and should inform the company immediately if he has any reason to believe that his password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorised manner. User is to ensure that the details provided by him are correct and complete and inform the company immediately of any changes to the information that he provided when registering. MFPL reserves the right to refuse access to the website, terminate accounts, remove or edit content at any time without notice.

USE OF THE PLATFORM AND SERVICES

By using this site user acknowledge that the Services are for his personal use only and agree not to sell, publish, trade, resell or exploit for any commercial purposes, any portion of the Services or Product purchased via the Platform. You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, services or intellectual property rights obtained while availing the Services.

To use the Services on the Platform, the user agrees to not breach or circumvent any laws, third-party rights or Our systems, policies, and not to use the Platform for committing any criminal offence or any unlawful activity for any fraudulent purposes or illegal purposes; not use any robot, spider, scraper, data mining tools, data gathering and extraction tools, or other automated means to modify or interfere with Our Platform or access the Platform or other third-party information for any purpose; not use the Platform for harassing any person or third party, or for making any defamatory, obscene, indecent remarks.

User acknowledges that any data including but not limited to the pricing of the Products and typographical errors may occur or maybe inaccurately displayed on the Platform. Therefore, in the event that Product is listed at an incorrect price or with incorrect information due to an error in pricing or product information, then the company have right to correct it.

PROHIBITED ACTIVITIES

By using this site the user agrees not to host, display, upload, modify, publish, transmit, update or share any information or User Submissions which belongs to another person and to which the Customer does not have any right to or is grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libellous, invasive of another´s privacy, including bodily privacy, insulting or harassing on the basis of gender, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force; is harmful to children in any way; infringes any patent, trademark, copyright or other proprietary rights; violates any law for the time being in force; deceives or misleads the addressee about the origin of such messages or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact; impersonates another person; contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation; is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person; contains misleading information regarding the origin of the content; or

If the user is found to be in non-compliance with the laws and regulations, these Terms, or the privacy policy of the Website, MFPL shall have the right to immediately terminate/block usersr access and usage of the Website and remove any non-compliant Content and or comment, or any unlawful information, which is prohibited under any law for the time being in force, uploaded by you, subject to storage post removal as required under applicable laws, and shall further have the right to take recourse to such remedies as would be available to MFPL under the applicable laws.

Proprietary Rights in Site Content; Limited License

Intellectual and proprietary rights

“Intellectual Property” means and includes names, trademarks, trade names, trade dress, service marks, insignias, designs, works of authorship, inventions, whether patentable or not, trade secret or confidential information, and any other intellectual and/or industrial property in all goods, services and material including all documents, reports, charts, drawings, databases, products, software, source codes, models, samples, systems, slides, tapes, graphs, notes, specifications, processes, tools and methodologies.

All Intellectual Property provided by MFPL on the site shall remain its exclusive property no user shall be entitle to copy , download or use the same except without the written permission from the MFPL.

All content on the Site, including but not limited to designs, text, graphics, pictures, video, information, software, music, sound and other files, and their selection and arrangement (the "Site Content"), are the intellectual property and proprietary property of the Company with all rights reserved. No Site Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without the MFPL’s prior written permission. Use is granted a limited license to access and use the Site and to download or print a copy of any portion of the Site Content solely for his use in connection with use of the Site or Service. Except for his own use, user is not permitted to republish Site Content on any Internet, Intranet or Extranet site or incorporate the information in any other database or compilation, and any other use of the Site Content is strictly prohibited. Any use of the Site or the Site Content other than as specifically authorized herein, without the prior written permission of the Company, is strictly prohibited and shall be treated as violation of license granted herein. Such unauthorized use may also violate applicable laws including without limitation copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in these Terms of Use shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. This license is revocable by MFPL at any time without notice.

Restrictions on Data Collection

Without MFPL prior consent, the user shall not:

• use any automated means to access this Site or collect any information from the Site (including, without limitation, robots, spiders, scripts or other automatic devices or programs);
• frame the Site, utilize framing techniques to enclose any Content or other proprietary information, place pop-up windows over this Site"s pages, or otherwise affect the display of this Site"s pages;
• engage in the practices of "screen scraping," "database scraping" or any other activity with the purpose of obtaining content or other information; or
• use this Site in any manner that violates applicable law or that could damage, disable, overburden, or impair this Site or interfere with any other party"s use and enjoyment of this Site.
• MFPL may terminate, disable or throttle users access to, or use of, this Site and the Services for any reason, including without limitation, if MFPL believe that user have violated or acted inconsistently with any portion of these Terms of Use.

Confidentiality

“Confidential Information” shall mean all technical and business information relating to services, products, costs, customers, clients, marketing, regardless of whether such information is designated as “Confidential Information”

Every user is liable to maintain such confidential information in strict confidence and shall not disclose such Confidential Information obtained from the site publicly or to any third party in an unauthorized manner. The user must use such Confidential Information only for purposes it is disseminated and for no other purpose; and can only disclose such Confidential Information only with prior written approval of MFPL .

Privacy

Users are advised to review the Site"s Privacy Policy. By using the Site or the Service, user is consenting to have his personal data transferred to and processed in India. MFPL may listen to and/or record phone calls between user and MFPL’s representatives without notice to user. For example, the company listen to and record calls for quality monitoring purposes.

Governing Law; Venue and Jurisdiction

By visiting or using the Site and/or the Service, user agrees to submit all disputes to the jurisdiction of courts at Delhi.

Modification of Terms and Conditions

MFPL reserves the right to add, modify or replace any of these Terms and Conditions or change, suspend, or discontinue any Scheme at its discretion without any prior notice to the Users. It is the User’s responsibility to check these Terms and Conditions and the Terms of Use periodically for any changes.

Interest rate related changes

The interest rate mentioned on the site are only indicative and does not form any offer on behalf of MFPL and the interest rate will depend on the scheme chosen by the user and approved by the partner Bank.

LTV (Loan to Value) Policy

The highest per gm value mentioned on the site is only indicative and tentative which doesn’t form any offer on the behalf of SBSFPL. The said value will depend on the scheme chosen by the user and approved by the partner bank.

Collection and Recovery Practices

• Collections mechanism is respectful, lawful, and non-coercive. In adherence to the RBI’s guidelines on fair recovery practices, all recovery activities refrain from any form of harassment or coercion. In addition, any engagement with outsourced recovery agents is governed by a strict non-disclosure and ethical conduct agreement.
• No harassment, abusive language, or forceful entry is permitted.
• Calls or visits shall be made only between 8:00 a.m. and 7:00 p.m.
• All recovery agents:
  • Are trained in ethical conduct
  • Carry valid ID
  • Respect the privacy and dignity of the borrower and family

Company ensures that the collection practices strictly adhere to the RBI’s directions on fair recovery practices. All outsourced recovery agents execute a non-disclosure and ethical conduct undertaking prior to being engaged. Any deviation or misconduct shall be subject to immediate termination and legal action.

PAYMENT GATEWAY TERMS AND CONDITIONS

DISCLAMIER:

This Service is being provided in order to facilitate access to our customers (“User”/”You”) to pay through online to the Bank through an electronic and automated collection and remittance service (the “Payment Gateway”) hosted by third-party payment service providers. The bank and Manipal Fintech Private Limited (“Owner”) makes no representation of any kind, express or implied, as to operation of the Payment Gateway other than what is specified for this purpose. The user expressly agrees that his/her use of the aforesaid online payment service is entirely at his/her/their own risk and responsibility of the User.

LIMITATION OF LIABILITY

The Bank, its affiliates or employees shall in no way be liable for any direct, indirect, incidental, special, consequential, or exemplary, including but not limited to, damages for loss of profits, goodwill, data, or any other intangible loses arising out of or in connection with access to or usage of the Payment Gateway Service.

You shall indemnify and hold harmless, the Bank and their respective officers, directors, and employees, from any claim or demand, or actions. The Bank will not be liable for any failures in the external link or for any fraud perpetrated either at the payment gateway and or at the other bank end that could take place during or after the time of you making payment.

You agree, understand, and confirm that any personal data including details related to debit card or Bank accounts submitted by you during the time of making payment is transmitted over the internet and is susceptible to misuse, theft and/or fraud and that Bank has no control over such matters.

Although all reasonable care has been taken towards guarding against unauthorized use of any information transmitted by you, the Bank does not in any way guarantee that the use of the payment gateway will not result in theft and/or unauthorized use of data over the Internet.

Protection of Owner's Interests

While Owner strives to provide a secure and reliable Payment Gateway Service, the user acknowledges that the Owner's primary role is that of a facilitator, and the execution of transactions involves multiple parties, including banking partners. Consequently, the user agrees to indemnify and hold harmless the Owner, its affiliates, officers, directors, and employees from any claims, damages, losses, or liabilities arising from or related to the use of the Payment Gateway Service. The user recognizes that any disputes, discrepancies, or issues related to payments, transactions, or the functionality of the Payment Gateway Service should be directed to the respective banking partner(s) and not the Owner. The Owner's liability is expressly limited to the extent required by applicable laws and regulations, with any recoverable damages being limited to the extent provided therein.

Owner retains the right to enforce any necessary legal actions to protect its intellectual property rights, proprietary information, and financial interests in all transactions facilitated through this platform. The user acknowledges and agrees to cooperate with Owner and its banking partners in such actions, as needed.

DEBIT/CREDIT CARD, BANK ACCOUNT DETAILS

You may pay the amount to the Bank by using a Debit Card, UPI or through your Internet Banking facility. You submit and agree that the Debit card details provided by you to the Payment Gateway for payment transaction processing will be correct and you shall not use a debit card, which is not lawfully owned by you.

You agree that when you initiate a payment transaction and/or issue an online payment Instruction and provide your Debit Card or Bank account details:

• You warrant that you are fully and lawfully entitled to use the said Debit card or Bank Account for such transactions.
• You are responsible to ensure that all the Debit Card or Bank Account details provided by you are accurate.
• You are authorizing the debit to nominated Debit Card or Bank account for the settlement of amount selected by you along with the applicable fees.
• You are responsible to ensure that sufficient credit is available on your presented Debit Card or Bank Account at the time of making the payment to permit the payment of the amount selected by you inclusive of the applicable fees.

REFUND FOR CHARGE BACK TRANSACTION: In case of any claim for/of charge back by the User for any reason whatsoever, such User shall immediately approach Bank with his/her claim details and claim refund from Bank alone. Such refund (if any) shall be effected only by Bank via payment gateway. No claims for refund/charge back shall be made by any User to the Payment Service Provider(s) and in the event such claim is made it shall not be entertained.
In these Terms and Conditions, the term “Charge Back” shall mean, approved and settled amount through debit card/UPI/internet banking which are at any time refused, debited or charged back to the person who initiated the transaction (and shall also include similar debits to Payment Service Provider’s accounts, if any) by the acquiring bank for any reason whatsoever, together with the bank fees, penalties and other charges incidental thereto.

Refund for fraudulent/duplicate transaction(s): The User shall directly contact Bank for any fraudulent transaction(s) on account of misuse of Card/Bank details by a fraudulent Individual/party and such issues shall be suitably addressed by the other Bank alone in line with their policies and rules.

Server Slow Down/Session Timeout: In case the Website or Payment Service Provider’s web page that is linked to the bank website is experiencing any server related issues like ‘slow down’ or ‘failure’ or ‘session timeout’, the User shall, before initiating the second payment, check whether his/her Bank Account has been debited or not and accordingly resort to one of the following options:

1. In case the other Bank Account appears to be debited, ensure that he/she does not make the payment twice and immediately thereafter contact concerned Bank via e-mail to confirm payment.
2. In case the other Bank Account is not debited, the User may initiate a fresh transaction to make payment. However, the User agrees that under no circumstances the Payment Gateway Service Provider of the Bank shall be held responsible for such fraudulent/duplicate transactions and hence no claims should be raised to Payment Gateway Service Provider. No communication received by the Payment Service Provider(s) in this regards shall be entertained by the Payment Service Provider(s).
3. The Customer agrees and understands that the amount shall be from his/her own savings bank account held with bank. The Customer agrees and understands that the amount so transferred by him /her shall be credited to their Gold Loan Account within three (3) working days from the date of transfer.

By proceeding ahead with payment process you expressly agree and provide your consent to the above mentioned Terms and Conditions.

Terms and Conditions for Online Payments

1. Purpose of the Service
This service is provided to facilitate online payments to banks through an electronic and automated collection and remittance service, known as the "Payment Gateway," hosted by third-party payment service providers. Each bank makes no representations, express or implied, regarding the operation of the Payment Gateway beyond its specified purpose. Users acknowledge that they use this online payment service entirely at their own risk and responsibility.

2. Limitation of Liability
The bank, its affiliates, or employees shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, data, or any other intangible losses arising from or in connection with access to or usage of the Payment Gateway Service. The bank assumes no liability for any monetary or other damage suffered by you due to any delay, failure, interruption, or corruption of data or information transmitted, or errors in connection with the use of the Payment Gateway Service. Users agree to indemnify and hold harmless the respective bank and its officers, directors, and employees from any claim, demand, or actions.

3. Security and Personal Data
Users agree, understand, and confirm that any personal data, including details related to debit cards or bank accounts, submitted during the payment process is transmitted over the internet and is susceptible to misuse, theft, and fraud. The bank has no control over such matters. While all reasonable care has been taken to guard against unauthorized use of transmitted information, no guarantee is provided that the use of the payment gateway will be free from theft and unauthorized use of data over the internet.

4. Debit/Credit Card and Bank Account Details
Users may make payments to the bank using a Debit Card, UPI, or Internet Banking facility. By initiating a payment transaction and providing Debit Card or Bank account details, users confirm that they are fully and lawfully entitled to use the provided payment method and that the information provided is accurate. Users authorize the debit to the nominated Debit Card or Bank account for the settlement of the selected amount, including applicable fees. Users are responsible for ensuring that sufficient credit is available on the presented Debit Card or Bank Account when making the payment.

5. Refund and Charge Back
In case of a claim or chargeback for any reason, users must approach the respective bank for a refund. Any refund will be processed by the bank via the payment gateway. No claims for refund or chargeback should be made to the Payment Service Provider(s).

6. Server Issues
In the event of server-related issues, users should:

• Check if their bank account has been debited before initiating a new payment.
• If the bank account has been debited, contact the bank immediately to confirm the payment.
• If the bank account has not been debited, initiate a fresh transaction for payment.
• The Payment Gateway Service Provider will not be held responsible for fraudulent or duplicate transactions, and claims related to such transactions will not be entertained.

7. Payment Process
By proceeding with the payment process, users expressly agree to and provide consent for the above-mentioned Terms and Conditions.

8. Enforcement of Rights
Owner retains the right to enforce any necessary legal actions to protect its intellectual property rights, proprietary information, and financial interests in all transactions facilitated through this platform. The user acknowledges and agrees to cooperate with Owner and its banking partners in such actions, as needed.

Changes to these Terms of Use

MFPL reserves the right, at its sole discretion, to modify or replace any of these Terms and Conditions without providing any prior notice to the Users. It is the User’s responsibility to check these Terms and Conditions and the Terms of Use periodically for any changes.

Disclaimer of Warranties and Liability

This Website, all the Materials and information/content (including but not limited to software) and services, included on or otherwise made available to user through this website are provided on “as is” and “as available” basis without any representation or warranties, express or implied except otherwise specified in writing. Without prejudice to the forgoing paragraph, MFPL does not warrant that: This Website will be constantly available, or available at all; or The information on this Website is complete, true, accurate or non-misleading. MFPL will not be liable to user or any other person in any way or in relation to the Materials of, or use of, or otherwise in connection with, the Website. MFPL does not warrant that this site; information, content, Materials, product (including software) or services included on or otherwise made available to user through the Website; their servers; or electronic communication sent are free of viruses or other harmful components.

Waiver of DND/DNC for calls/SMSes/emails

While using site you may provide your mobile phone no(s), email ids for enquiring about the product and services offered by us. By your act of providing phone no(s) / email id on our website, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you. Hence, no DNC / DND check will be required for the number provided by you on our website. Such modes of contacting you may include sending SMSs, email alerts and / or telephonic calls. We can use details so provided by you to send email alerts and to make follow up calls in relation to the services provided through the Website, for imparting product knowledge, offering promotional offers running on Website & various other offers offered by our partners on the Sites.

Indemnity

By using this site the user agrees to indemnify and hold the Company, its subsidiaries and affiliates, and each of their directors, officers, agents, contractors, partners and employees, harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable attorney"s fees, arising out of or in connection with user Content, any Third Party Content user posts or share on/or through the Site, or use of the Service or the Site, or any violation of these Terms of Use or of any law or the rights of any third party.

Limitation of damages

In no event shall MFPL or any of its subsidiaries or affiliates be liable to any entity for any direct, indirect, special, consequential or other damages (including, without limitation, any lost profits, business interruption, loss of information or programs or other data on your information handling system) that are related to the use of, or the inability to use, the content, materials, and functions of this Website or any linked Website, even if MFPL is expressly advised of the possibility of such damages.

Dhamaka Festive Offer for Gold Loan

Terms and Conditions

A. Eligibility:

• A lucky draw will be held when Manipal Fintech reaches a minimum of 27,000 gold loan customers during the festive period of September 1, 2024 to November 30, 2024.
• Must be an Indian citizen, aged 18 years or above;
• Apply for a gold loan through Manipal Fintech's Website or Mobile app or Offline material or Toll-free number or WhatsApp during the offer period (September 1, 2024 to November 30, 2024)
• Have participant (‘Your’,’You’) loan application approved and disbursed through Manipal Fintech’s partner Banks/NBFC.

B. To Participate: How to participate

1. Visit Manipal Fintech's Website, WhatsApp/WABA response, Toll-free Number Inbound/Outbound Call, or interaction with SBO or IS/CS executive using Offline material like pamphlets.
2. Fill out the online application form on our Website/WhatsApp and provide all the required information. Or share details on the toll-free Number which is 1800 3098 440.
3. Your loan application will be reviewed and accordingly approved by Manipal Fintech.
4. Once your loan is approved and disbursed, you will be automatically entered into the lucky draw.

C. Prize:

• Samsung 4K HUD TV

D. Draw Criteria:

• Draw Date- December 15, 2024.
• Dispatch to be aligned 10 days after receiving the winner’s delivery details.
• The 27000th customer falling between September 1, 2024, to November 30, 2024, in the Manipal Fintech database would be considered the lucky winner.

E. Winner Announcement:

• The winner will be announced on Manipal Fintech's website and social media pages.

F. General Terms and Conditions:

• All employees of Manipal Fintech & their families are not eligible to participate in this offer.
• Manipal Fintech reserves the right to disqualify any entry that is found to be fraudulent or incomplete.
• Manipal Fintech's decision on all matters relating to this offer will be final and binding.
• By participating in this offer, you agree to abide by all of the terms and conditions mentioned on the website.

G. Additional Note:

• Winner of the lucky draw will be responsible for paying any applicable taxes on prize.
• This offer can be clubbed with Manipal Fintech’s Repeat or Referral offer once.

Process of Selection of Winners

The winners of contest will be selected by virtue of a lucky draw that will be conducted in a fair and transparent manner.

Limitations of Liability and Release

1. By participating in Dhamaka Festive Offer for Gold Loan, you agree and confirm to release Manipal Fintech Fintech services Private Limited from any and all claims, damages, or liabilities arising from or relating to your participation in Dhamaka Festive Offer for Gold Loan and waive all rights to claim any punitive, incidental, consequential, and/ or other damages.
2. Manipal Fintech shall not be responsible for the quality of the goods distributed as a prize(s) as these goods are not manufactured by us, and we will further not be liable for any damage or defect to such goods.

Governing Law and Jurisdiction

These Terms and Conditions shall be governed and construed in accordance with the laws of India and the courts in Gurugram shall have the jurisdiction to adjudicate any dispute arising out of these Terms and Conditions.

Repeat Customer Loan Offer: Terms & Conditions

 

1. Overview of Offer:
   • Our Repeat Customer Loan Offer provides a benefit of up to Rs. 5,000 for our existing customers who apply for a new Gold Loan in response to the communications shared by Manipal Fintech Gold Loan on WatsApp, SMS, IVR etc.
   • The benefit of up to Rs. 5,000 would be provided in the form of Amazon Voucher redeemable at www.Amazon.in
   • The Amazon voucher would be shared over Watsapp to the eligible customer once loan confirmation is received from the partner banks, from which the loan is processed.
2. Eligibility Requirements:
   • This offer is available to customers who have taken out at least 1 previous loan with Manipal Fintech.
3. Offer Benefits:
   • Eligible customers can receive a benefit of up to Rs. 5,000 on their new loan.
   • The exact amount of the benefit will be determined based on:
     • The total loan amount: Benefits are tiered based on the new loan amount.
     • Specific loan types or amounts may have different benefit levels.
     • Balance Transfers are not eligible for this offer.
4. How to Redeem:
   • To take advantage of this offer, eligible customers must apply for Gold Loan by responding to the communication shared through SMS/WABA/RCS/IVR/Phone calls.
5. Conditions & Restrictions:
   • The offer cannot be combined with other loan promotions or discounts unless stated otherwise.
   • The benefit provided through this offer is non-transferable.
   • If the new loan is cancelled or if the qualifying criteria are not met, the benefit value may be adjusted or revoked accordingly.
6. Customer Support:For questions or assistance regarding this offer, please contact our Customer Support Team at 01143148181.

Frequently Asked Questions (FAQ) - Repeat Customer Loan Offer

1. What is the Repeat Customer Loan Offer? The Repeat Customer Loan Offer provides benefit of up to Rs. 5,000* in the form of Amazon Vouchers to our existing Manipal Fintech customers. The customers who would be eligible for the offer.
2. Who is eligible for this offer? To be eligible, you must:
   • Have taken out at least 1 previous loan with Manipal Fintech.
   • Apply for a gold loan in response to the communications sent via SMS/ RCS/ WABA or Tollfree
3. How do I qualify for the benefit? The benefit amount is predetermined based on:
   • The total loan amount approved for the new loan.
4. Can I combine this offer with other loan promotions or discounts? No, this offer cannot be combined with other loan promotions or discounts unless explicitly stated.
5. Is the benefit transferable? No, the benefit is non-transferable.
6. What happens if I cancel my new loan application? If the new loan application is canceled or if the qualifying criteria are not met, the benefit value may be revoked based on the circumstances.
7. How can I get more information or assistance? For questions or further assistance, please contact our customer support team at 18003098440

Customer Referral Program: Terms & Conditions

• Only customers who have taken loans through Manipal Fintech can refer a new customer. If the referrer has not taken a gold loan from Manipal Fintech, he/she will not be eligible for the customer referral program.
• It is mandatory for the referred customer to take the new loan within 30 days after the lead is shared with Manipal Fintech team.
• The referred lead (Referee) should not be an existing customer of Manipal Fintech.
• The offer cannot be combined with other loan promotions or discounts unless stated otherwise.
• The benefit provided through this offer is non-transferable.
• The decision taken by the Company will be final.

Frequently Asked Questions (FAQ) - Customer Referral Program

1. Who is eligible for the Customer Referral program?
   Ans. Any existing customer of Manipal Fintech can participate in the program. The new customer should avail a loan within 30 days (from the date the details shared with Manipal Fintech team) to be eligible for the reward.
2. Can I refer customers though I am not an existing customer of Manipal Fintech?
   Ans: No. You cannot. The customer referral program is for our existing customers and wants to refer his / her friend / relative for a gold loan. However, you can become a Manipal Fintech advisor/agent and earn commission for generating such leads. You may contact our support team on 011-41198007 for more details.
3. Will I get referral voucher when I refer customers for gold loan?
   Ans: You are eligible for the referral voucher only when the new customer you have referred has successfully taken the gold loan through Manipal Fintech.
4. Is there any minimum gold loan amount for the new customer to take (whom I have referred) for me to avail the referral voucher?
   Ans: Yes, there is a minimum amount of INR. 50,000. The new customer, who you have referred, must take a gold loan of the minimum amount of INR.50,000.
5. Is there any maximum gold loan amount for the new customer can take (whom I have referred) for me to avail the referral voucher?
   Ans: No, there is no maximum gold loan amount. The customer can take any permissible amount (as per the bank) starting from INR 50,000
6. How long will it take for me to receive the referral voucher once the customer I have referred has taken the gold loan through referral program?
   Ans: You will receive the referral voucher in within 10 working days’ time after the customer you have referred has successfully taken the gold loan.
7. How many customers can I refer? Will I get referral voucher every time I refer?
   Ans: There is no limit to the number of customers you can refer for Gold Loan. You will receive referral vouchers when the customer you have referred has successfully taken the gold loan. The more customers you refer and take the gold loan, the more your earn!
   
   You will receive referral voucher every time when the new customer you have referred has successfully taken the gold loan.
8. Can I refer a friend / relative who is already a Manipal Fintech gold loan customer?
   Ans: You may refer a friend / relative who is already a Manipal Fintech gold loan customer. However, you will not be eligible to receive the customer referral voucher. The customer referral voucher can be availed only if you refer a new customer (customer who is not an existing Manipal Fintech customer).
9. Can I get referral voucher in cash?
   Ans: No, you cannot avail the voucher in cash. The referral voucher can be used on the allowed website only (as per the voucher).
10. Can I get referral voucher if I take another gold loan through Manipal Fintech?
    Ans: If you take another repeat gold loan through Manipal Fintech, you may be eligible for a repeat voucher. You may contact our customer support team on 18003098440 for more details.
11. What is the process to refer new customers for a gold loan?
    Ans: You can share the new customer details in the following ways:
    
    
    • Through Manipal Fintech tollfree / Incoming number (18003098440 / 011 - 43060885)
    • Through email ID: customer.care@manipalfintech.com
12. How will I get to know whether the customer whom I have referred has taken the gold loan?
    Ans: You will be informed through call and WhatsApp when the customer you have referred has successfully taken the gold loan through Manipal Fintech.
13. I have already referred one of my relatives / friends for a gold loan through your Manipal Fintech employee and has already taken loan last week. Can I get the referral voucher?
    Ans: No, you cannot. It is mandatory for you to share the new customer details with Manipal Fintech team as mentioned in FAQ point 11 before taking the gold loan.
14. How do I receive the referral voucher?
    Ans: You will be informed through call and WhatsApp when the customer who you have referred has successfully taken the gold loan through Manipal Fintech. The referral voucher details will be shared with you through the preferred mode (WhatsApp / Email) whichever is convenient for you
15. Where can I contact for any further information or clarification on the referral program?
    Ans: You may contact the Manipal Fintech customer support team on 18003098440 / 011 - 43060885)

CUSTOMER CARE AND GRIEVANCE REDRESSAL




If you have any questions, comments, requests or require any support or assistance, You may reach out to our Customer support team at:

Contact Person: Rahul Sinha
Contact Number: 7303099697
Email ID: customer.care@manipalfintech.com
Our Grievance Redressal Policy: Click Here

Lending Partner Grievenance Redressal




1. Karnataka Bank Limited (KBL)

At Karnataka Bank Limited (KBL), it is our aim to provide highest quality in customer service by addressing all customer concerns/complaints fairly and expeditiously. Incase of any grievance related to services provided by our partner please follow the process in the below mentioned link: https://karnatakabank.com/lending-partners