Terms of Service

1. Acceptance of Terms

By accessing and using the website www.fincoeducation.com (the "Website") and services provided by Finco Education ("we," "us," or "our"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website or services.

2. Services Description

Finco Education provides educational consultancy services including but not limited to:

• University admission guidance and application assistance
• Education loan consultancy and processing support
• Visa application assistance and documentation support
• Career counseling and academic guidance
• Accommodation assistance
• Pre-departure orientation and travel support

3. Eligibility

Our services are available to individuals who are at least 18 years of age or have obtained parental/guardian consent. By using our services, you represent and warrant that you meet this eligibility requirement.

4. User Responsibilities

You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Use our services only for lawful purposes
• Not engage in any activity that may harm or interfere with our services
• Comply with all applicable laws and regulations

5. Service Fees and Payment

Certain services may be subject to fees. We will clearly communicate all fees before providing services. Payment terms and conditions will be specified in separate service agreements or invoices. All fees are non-refundable unless otherwise stated in writing.

We are a consultancy service and do not guarantee admission to universities or approval of loans. Fees paid are for our consultation and assistance services only.

6. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee:

• University admission acceptance
• Loan approval or specific interest rates
• Visa approval
• Specific outcomes or results

While we strive to provide accurate information and quality services, we cannot guarantee specific outcomes as these depend on various factors including your academic profile, financial situation, university requirements, and decisions made by third parties (universities, banks, visa authorities).

7. Limitation of Liability

To the maximum extent permitted by law, Finco Education shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use our services
• Rejection of university applications
• Loan application rejection or unfavorable terms
• Visa rejection or delays
• Any unauthorized access to or use of our servers
• Any errors or omissions in our services

8. Third-Party Services

Our services may involve interactions with third parties including universities, banks, financial institutions, visa authorities, and other service providers. We are not responsible for the actions, policies, or decisions of these third parties. Any agreements or transactions between you and third parties are solely between you and the third party.

9. Intellectual Property

All content on our Website, including text, graphics, logos, images, and software, is the property of Finco Education or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

10. Confidentiality

We respect the confidentiality of your personal and academic information. However, by using our services, you agree that we may share your information with relevant third parties (such as universities, banks, visa authorities) as necessary to provide our services, subject to our Privacy Policy.

11. Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without cause or notice, for any reason including breach of these Terms. Upon termination, your right to use our services will immediately cease.

12. Indemnification

You agree to indemnify and hold harmless Finco Education, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of your use of our services or violation of these Terms.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our Website and updating the "Last Updated" date. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts in Pune, Maharashtra, India.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Finco Education regarding the use of our Website and services, superseding any prior agreements.

17. Contact Information

If you have any questions or concerns about these Terms of Service, please contact us: