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Terms & Conditions

Terms of Service

VamoFinCare Last Updated: [Insert Date]

1. Introduction and Acceptance

These Terms of Service (“Terms”) govern access to and use of the website vamofincare.com and the VamoFinCare Provider App (together, the “Platform”), operated by [Legal Entity Name], having its registered office at [Registered Address], Indore, Madhya Pradesh, India (“VamoFinCare”, “we”, “us”, “our”).

By accessing or using the Platform, registering as a Partner Clinic, or applying for financing as a Patient, you (“User”, “you”) agree to be bound by these Terms. If you do not agree, do not use the Platform.

2. Nature of Our Service

VamoFinCare is a technology and facilitation platform. VamoFinCare is not a bank, Non-Banking Financial Company (NBFC), or lender, and does not itself sanction, disburse, or hold any loan on its own books.

VamoFinCare connects:

  • Patients seeking to finance healthcare treatment, with
  • Regulated lending partners (NBFCs and/or banks, “Lending Partners”) who evaluate, approve, disburse, and service the actual credit facility, and
  • Partner Clinics who receive treatment payouts on behalf of patients whose financing is approved.

All credit decisions, interest rates (including 0% EMI plan terms), fees, disbursal, and collections are governed by the Lending Partner’s own agreements, key facts statement (KFS), and terms, which are provided to the Patient separately at the time of application and must be read and accepted independently. VamoFinCare’s role is limited to sourcing, technology enablement, application facilitation, and post-disbursal support such as collections coordination, unless otherwise disclosed.

3. Eligibility

  • You must be at least 18 years old and capable of entering into a legally binding contract under the Indian Contract Act, 1872.
  • Partner Clinics must be validly licensed/registered healthcare providers in India.
  • Patients must meet the eligibility and KYC criteria prescribed by the relevant Lending Partner.

4. Registration and Accounts

  • You are responsible for providing accurate, current, and complete information during registration (clinic details, patient KYC, bank details, etc.) and for keeping it updated.
  • You are responsible for maintaining the confidentiality of any login credentials and for all activity under your account.
  • VamoFinCare may suspend or terminate accounts that provide false information, or that are used fraudulently or in violation of these Terms.

5. For Patients — Financing Applications

  • Submitting a financing application through the Platform does not guarantee approval. Approval, credit limit, tenure, and terms are determined solely by the Lending Partner based on its own underwriting criteria.
  • The 0% interest EMI representation refers to the specific plan(s) offered by the Lending Partner at the time of application; any processing fee, late payment charge, or other charge will be disclosed separately in the Lending Partner’s Key Facts Statement before you accept the loan.
  • You authorize VamoFinCare and its Lending Partners to verify the information you provide, including through credit bureaus and third-party verification services.
  • Repayment obligations run to the Lending Partner, not to VamoFinCare or the Partner Clinic.

6. For Partner Clinics — Provider Obligations

  • Partner Clinics agree to onboard patients accurately, provide correct treatment cost information, and use the Provider App as instructed for tracking applications and disbursals.
  • Payout to a Partner Clinic is contingent on the Lending Partner’s approval and disbursal of the underlying financing; VamoFinCare facilitates payout timing (e.g., “within 24 hours of approval”) but is not itself the source of funds unless expressly stated.
  • Partner Clinics are solely responsible for the quality, safety, and delivery of the medical treatment provided to patients. VamoFinCare has no role in and assumes no liability for clinical outcomes.
  • Partner Clinics shall not misrepresent VamoFinCare’s financing terms to patients and shall only use approved marketing/collateral.

7. Fees

Any fees charged by VamoFinCare to Partner Clinics (if applicable) will be disclosed at the time of partner onboarding. Any fees charged to Patients will be disclosed by the Lending Partner in the Key Facts Statement prior to loan acceptance. VamoFinCare does not charge patients hidden fees for use of the Platform itself.

8. Intellectual Property

All content on the Platform — including the VamoFinCare name, logo, design, text, and software — is owned by or licensed to VamoFinCare and protected under applicable Indian intellectual property laws. You may not copy, reproduce, or create derivative works without prior written consent.

9. Prohibited Use

You agree not to:

  • Provide false, misleading, or fraudulent information in any application;
  • Use the Platform for any unlawful purpose or to facilitate fraud;
  • Attempt to gain unauthorized access to the Platform, other users’ accounts, or our systems;
  • Interfere with the security or proper functioning of the Platform;
  • Misrepresent your affiliation with VamoFinCare.

10. Third-Party Services and Links

The Platform may link to or integrate with third-party services (including Lending Partner portals, WhatsApp, and payment systems). VamoFinCare is not responsible for the content, terms, or practices of third-party services, which are governed by their own terms.

11. Disclaimers

  • The Platform is provided on an “as is” and “as available” basis without warranties of any kind, express or implied.
  • VamoFinCare does not guarantee continuous, uninterrupted, or error-free operation of the Platform.
  • VamoFinCare does not guarantee loan approval, specific credit limits, or specific disbursal timelines, which remain subject to Lending Partner discretion and operational factors.

12. Limitation of Liability

To the maximum extent permitted by law, VamoFinCare shall not be liable for any indirect, incidental, special, or consequential damages arising from use of the Platform, delays or denials in financing decisions made by Lending Partners, or acts/omissions of Partner Clinics or Lending Partners. Nothing in these Terms limits liability that cannot be excluded under Indian law.

13. Indemnification

You agree to indemnify and hold VamoFinCare harmless from claims, losses, or damages arising from your breach of these Terms, misuse of the Platform, or violation of applicable law.

14. Termination

VamoFinCare may suspend or terminate your access to the Platform at any time, with or without notice, for conduct that violates these Terms or is otherwise harmful to VamoFinCare, other users, or Lending Partners.

15. Grievance Redressal

For complaints regarding the Platform, contact our Grievance Officer:

Name: [Insert Name] Email: vamofincare@mail.com Address: Indore, Madhya Pradesh, India

Complaints specific to a loan account, disbursal, or collections should also be raised with the concerned Lending Partner through the channel disclosed in your loan agreement/KFS.

16. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Courts at Indore, Madhya Pradesh shall have exclusive jurisdiction over any disputes, subject to applicable arbitration or RBI-mandated grievance mechanisms.

17. Changes to These Terms

VamoFinCare may update these Terms from time to time. Continued use of the Platform after changes are posted constitutes acceptance of the revised Terms. Material changes will be notified via the Platform or registered email/contact.

18. Contact Us

VamoFinCare Indore, Madhya Pradesh, India Email: vamofincare@mail.com

This document is a working draft intended as a starting point for legal review. Because VamoFinCare operates in RBI-regulated digital lending facilitation, this draft should be reviewed and finalized by a lawyer familiar with RBI’s Digital Lending Guidelines and Fair Practices Code before publishing.