Terms and Conditions

Birbal is an AI-powered financial concierge that helps users:

• Discover financial products (such as all loans — home loans, business loans, personal loans, and savings instruments) that may suit their needs
• Understand and optimize existing loans and borrowing costs
• Access financial information and comparisons in real time

We do not lend money, guarantee approval of any financial product, or guarantee interest rates, terms, or outcomes offered by third-party financial institutions. Any loan, credit, or financial product you apply for or avail through information provided on the Platform is issued solely by the relevant bank, NBFC, or financial institution (“Financial Partner”), subject to their own terms, eligibility criteria, and approval process.

To use Birbal, you must:

• Be at least 18 years old
• Be a resident of India (unless otherwise stated)
• Be legally competent to enter into a binding contract
• Provide accurate and complete information when using the Platform

We reserve the right to refuse or restrict access to anyone who does not meet these criteria or who violates these Terms.

• You may need to register and create an account to use certain features, using your mobile number, email, or other credentials.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
• You agree to notify us immediately of any unauthorized use of your account.
• You are responsible for ensuring the information you provide (financial details, loan documents, KYC information, etc.) is accurate, current, and not misleading. Birbal is not liable for outcomes arising from inaccurate information you provide.

Birbal uses agents and automated tools to analyze information you provide (and, where you consent, information from linked accounts, credit bureaus, or documents you upload) in order to generate recommendations, comparisons, or insights.

You understand and agree that:

• Agent-generated recommendations are suggestions based on available data, not personalized financial, investment, tax, or legal advice.
• Recommendations may not account for every aspect of your financial situation. You should exercise your own judgment, and consult a qualified financial advisor, before making significant financial decisions.
• Interest rates, offers, eligibility, and terms shown on the Platform are indicative and sourced from Financial Partners; they may change without notice and the final terms will be those confirmed directly by the Financial Partner.
• Birbal does not guarantee any specific savings, approval, interest rate reduction, or financial outcome.

• Where you choose to proceed with a product or offer, you may be redirected to, or connected with, a Financial Partner's platform. Your relationship with that Financial Partner is governed by their own terms, privacy policy, and disclosures — Birbal is not a party to that agreement.
• We may receive referral fees or commissions from Financial Partners when you avail their products through Birbal. This does not increase the cost to you, and we aim to present options based on suitability, not solely on commission. Where required, we will disclose such arrangements.
• We are not responsible for the acts, omissions, service quality, data practices, or disputes arising from your dealings with any Financial Partner.

Using Birbal’s core features (like loan optimization or personalized product matching) may require you to share sensitive financial information, including credit reports, bank statements, or existing loan details.

• We collect and use this data only with your explicit consent, and only for the purpose of providing you the Services, as detailed in our Privacy Policy.
• You may withdraw consent at any time, though this may limit or disable certain features.
• We do not sell your personal financial data to third parties for unrelated marketing purposes.
• Please refer to our Privacy Policy for full details on data collection, storage, security, retention, and your rights under applicable Indian data protection law (including the Digital Personal Data Protection Act, 2023).

You agree that you will NOT:

• Use the Platform for any unlawful, fraudulent, or misleading purpose
• Provide false, inaccurate, or impersonated information
• Attempt to interfere with, disrupt, reverse-engineer, or gain unauthorized access to the Platform, its AI models, or underlying systems
• Use automated means (bots, scrapers) to access the Platform without our written permission
• Use Birbal to apply for financial products on behalf of someone else without their authorization
• Upload any content that is defamatory, obscene, infringing, or violates any applicable law

We reserve the right to suspend or terminate accounts that violate these responsibilities.

Birbal’s core discovery and comparison services are currently offered to users free of charge. Certain premium features, if introduced in the future, will be clearly communicated along with applicable pricing before you are charged. We do not charge you for simply browsing recommendations or comparisons.

In the event of a personal data breach that may affect you, we will, as required under the DPDP Act, notify the Data Protection Board of India and affected users without undue delay, along with details of the breach and the steps being taken to mitigate it.

Depending on how you use the Platform, we may collect:

a. Information you provide directly

• Name, mobile number, email address, date of birth, PAN, Aadhaar (where legally required and with consent)
• Financial information: income, existing loans, credit card details, bank account details, credit score/report data
• Documents you upload (e.g., salary slips, bank statements, loan statements, KYC documents)
• Communications with our support team

b. Information from third parties (with your consent)

• Credit bureau data (CIBIL, Experian, Equifax, CRIF, etc.)
• Data from linked bank accounts or financial accounts (via secure, consented integrations such as the Account Aggregator framework)
• Information from our Financial Partners regarding applications you initiate through Birbal

We collect sensitive financial and identity data only with your explicit, informed consent, and only where necessary to provide the specific feature you’re using.

c. Purpose of processing (why we collect your data)

We process your personal data strictly for the following specified purposes, as required under the DPDP Act:

• To create and manage your account
• To provide AI-based financial recommendations, loan comparisons, and optimization insights
• To connect you with Financial Partners for products you choose to explore
• To verify your identity and perform KYC where legally required
• To improve and personalize our AI models and Services
• To communicate with you (service updates, offers you've opted into, support)
• To detect and prevent fraud, abuse, or unauthorized access
• To comply with legal, regulatory, and law enforcement obligations

We do not process your data for any purpose beyond what you have consented to, and we do not use sensitive financial data for unrelated advertising or profiling purposes.

d. Your consent

• We will seek your clear, specific, and informed consent (via consent notices in plain language) before collecting or processing sensitive personal data, especially financial and credit-related information.
• Each consent request will clearly state what data is being collected, why, and for how long it will be used.
• You have the right to withdraw your consent at any time, as easily as you gave it. You can do this from your account settings or by contacting us at info@finsagex.com. Withdrawing consent may limit or disable certain features (e.g., loan optimization tools that require credit report access).
• Withdrawal of consent does not affect the legality of processing carried out before withdrawal.

Where you provide us data on behalf of another person (e.g., a family member’s financial details), you confirm that you have their authorization to do so.

e. How we share your data

We may share your data only in the following circumstances:

• With Financial Partners — only when you choose to explore or apply for a specific product, and only the data necessary for that application, with your consent.
• With service providers — such as cloud hosting, analytics, customer support, or AI infrastructure providers, under strict data processing agreements requiring them to protect your data and use it only for the purpose we specify.
• With credit bureaus — where necessary to fetch or verify your credit information, with your consent.
• For legal reasons — if required by law, court order, regulatory authority (e.g., RBI), or to protect our rights, safety, or the safety of others.
• In a business transfer — if Birbal is involved in a merger, acquisition, or sale of assets, your data may be transferred, subject to equivalent privacy protections.

Any third party we share data with is contractually bound to use it only for the agreed purpose and to protect it with reasonable security safeguards.

All content on the Platform — including the Birbal name, logo, design, text, graphics, software, and underlying agents and AI models — is owned by or licensed to us and protected under applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works from our content without prior written permission.

• The Platform and all recommendations are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied.
• We do not warrant that the Platform will be uninterrupted, error-free, or free from inaccuracies, though we work to keep information current and reliable.
• Financial markets, interest rates, and product terms change frequently; we are not liable for temporary discrepancies between information on the Platform and the actual terms offered by a Financial Partner.
• Nothing on the Platform constitutes an offer, solicitation, or guarantee of any loan or financial product.

To the maximum extent permitted by law, Birbal and its officers, employees, and affiliates shall not be liable for any indirect, incidental, consequential, or special damages — including loss of profits, data, or financial loss — arising out of your use of, or inability to use, the Platform, or your dealings with any Financial Partner, even if we have been advised of the possibility of such damages.

Our total liability for any claim arising from your use of the Platform shall not exceed ₹5,000 or the amount of fees paid by you to Birbal in the preceding 3 months, whichever is lower.

You agree to indemnify and hold Birbal, its affiliates, and employees harmless from any claims, losses, liabilities, or expenses (including legal fees) arising from your breach of these Terms, misuse of the Platform, or violation of any law or third-party rights.

We may suspend or terminate your access to the Platform at our discretion, with or without notice, if we believe you have violated these Terms or engaged in fraudulent, abusive, or unlawful activity. You may also stop using the Platform and request account deletion at any time by contacting us.

We may update these Terms from time to time to reflect changes in our Services, legal requirements, or business practices. We will notify you of material changes via the Platform or email. Continued use of the Platform after changes take effect constitutes acceptance of the updated Terms.

In accordance with the Information Technology Act, 2000 and rules made thereunder, the details of the Grievance Officer are:

We aim to acknowledge complaints within 7 working days and resolve them within 15 days.

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at Ahmedabad, Gujarat.

If you have any questions about these Terms, please reach out to us:

By using Birbal, you acknowledge that you have read, understood, and agreed to these Terms and Conditions, along with our Privacy Policy and Refund and Cancellation Policy.