Finstar Credit Solutions
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Finstar Credit Solutions

Terms and Conditions

Effective Date: 4 August 2026
Last Updated: 4 August 2026

  1. INTRODUCTION

These Terms and Conditions (“Terms”) govern your access to and use of the website https://finstarcreditsolutions.com and any services, calculators, forms, information or communication channels made available through the website.

The website is operated by Netranand Meshram, carrying on business under the name “Finstar Credit Solutions” (“Finstar”, “we”, “us” or “our”).

By accessing the website, using a website tool, submitting an enquiry or communicating with Finstar through telephone, email, SMS or WhatsApp, you acknowledge that you have read and agree to these Terms.

If you do not agree with these Terms, you should not use the website or submit information through it.

  1. ABOUT FINSTAR CREDIT SOLUTIONS

Finstar Credit Solutions is an independent loan advisory and facilitation service.

Finstar is not:

  • a bank;
  • a non-banking financial company (“NBFC”);
  • a lender;
  • a credit-rating agency;
  • a credit bureau;
  • an investment adviser; or
  • a government authority.

Finstar may assist customers in understanding loan products, assessing preliminary requirements, comparing potentially relevant lender options and coordinating documentation or communication with banks, NBFCs or other authorised partners.

Finstar does not itself sanction, approve, reject, fund or disburse loans.

  1. ELIGIBILITY TO USE THE WEBSITE

You should use this website only if:

  • you are at least 18 years old;
  • you are legally competent to enter into a contract;
  • the information you provide is accurate and belongs to you;
  • you are using the website for a lawful purpose; and
  • you are not impersonating another person.

If you submit information on behalf of another person, you confirm that you have lawful authority and appropriate consent to do so.

  1. NATURE OF THE SERVICES

Finstar may provide assistance relating to products such as:

  • Home Loans;
  • Balance Transfers;
  • Loans Against Property;
  • Construction Loans;
  • Top-up Loans;
  • Personal Loans;
  • Business Loans; and
  • other credit products introduced from time to time.

The precise services available may differ depending on your location, profile, eligibility, lender relationships and business arrangements.

Information displayed on the website is general in nature and should not be treated as a personalised loan offer, financial guarantee or legal advice.

  1. NO GUARANTEE OF LOAN APPROVAL

Submitting an enquiry, completing an eligibility form, using a calculator or speaking with a Finstar representative does not guarantee:

  • loan approval;
  • sanction;
  • disbursement;
  • a particular loan amount;
  • a particular interest rate;
  • a particular tenure;
  • waiver of charges;
  • a balance transfer;
  • a favourable credit decision; or
  • completion within a particular time.

The relevant bank, NBFC or lender independently evaluates every application according to its credit policy, underwriting standards, documentation requirements, legal obligations and internal procedures.

The lender alone determines final eligibility, approval, pricing, fees, terms, documentation and disbursement.

  1. PRELIMINARY ELIGIBILITY INFORMATION

Any eligibility result, estimated loan amount, pre-qualified indication, recommendation or preliminary assessment provided by Finstar is indicative only.

A preliminary discussion may be based on information such as:

  • age;
  • income;
  • employment type;
  • existing EMI obligations;
  • credit history;
  • requested loan amount;
  • property details;
  • location; and
  • information voluntarily supplied by you.

A lender may reach a different conclusion after reviewing documents, credit reports, property records, valuation reports or other information.

  1. EMI CALCULATOR AND ILLUSTRATIVE FIGURES

The EMI calculator and other numerical examples on the website are provided for general educational and estimation purposes only.

Actual EMI, interest, charges and repayment obligations may vary depending on:

  • the lender’s applicable interest rate;
  • fixed or floating-rate structure;
  • loan tenure;
  • processing charges;
  • insurance;
  • taxes;
  • legal or technical charges;
  • disbursement timing;
  • rate changes; and
  • the terms of the final loan agreement.

Calculator results are not a loan quotation, sanction letter, key facts statement or binding offer.

You should verify all figures directly with the lender before entering into any loan agreement.

  1. YOUR RESPONSIBILITY TO PROVIDE ACCURATE INFORMATION

You agree to provide complete, current and accurate information.

You must not knowingly provide:

  • false income details;
  • incorrect employment information;
  • forged documents;
  • inaccurate property information;
  • another person’s contact details without consent;
  • misleading financial information; or
  • information intended to obtain credit through deception.

Finstar and the relevant lender may stop processing an enquiry where information appears inaccurate, incomplete, fraudulent or inconsistent.

  1. DOCUMENTS AND SENSITIVE INFORMATION

Do not submit the following through the general website enquiry form:

  • Aadhaar number;
  • PAN number;
  • passwords;
  • OTPs;
  • online-banking credentials;
  • card PINs;
  • card CVVs;
  • debit or credit card details;
  • bank-account passwords; or
  • other authentication credentials.

Never share an OTP, PIN, password or CVV with Finstar, its representatives or anyone claiming to represent a lender.

Where documents are required, they should be requested through an identified and authorised channel for a clearly explained purpose.

You are responsible for verifying the identity of the recipient before sharing sensitive documents.

  1. LENDER AND THIRD-PARTY SERVICES

Finstar may refer, introduce or coordinate with banks, NBFCs, lending partners, authorised intermediaries, valuers, legal service providers or other third parties.

Each third party:

  • operates under its own policies and procedures;
  • may have its own privacy policy and terms;
  • is responsible for its own representations and actions; and
  • may independently contact you where you have requested or consented to such contact.

Finstar is not responsible for a lender’s independent credit decision, system availability, processing time, employee conduct or changes to its policies.

You should carefully read all lender documents before signing or accepting them.

  1. LOAN AGREEMENTS AND KEY DOCUMENTS

The final loan relationship is governed by the documents issued or executed between you and the relevant lender, including any:

  • application form;
  • sanction letter;
  • loan agreement;
  • key facts statement;
  • repayment schedule;
  • security document;
  • mandate;
  • insurance document; or
  • lender terms and conditions.

If there is any conflict between information on the Finstar website and a formal lender document, the lender’s final written document will govern the loan transaction.

You should independently review and understand all material terms before accepting a loan.

  1. FEES AND PAYMENTS

The website currently does not collect online payments.

Finstar will not request payment through the website unless a clearly identified payment facility and applicable terms are introduced.

If Finstar charges a consultation, advisory or facilitation fee in the future:

  • the fee must be disclosed before payment;
  • the nature of the service must be explained;
  • the applicable tax and refund terms must be stated; and
  • payment should be made only through an authorised channel.

Never transfer money to an unknown personal account or an individual claiming that payment guarantees loan approval.

No person can legitimately guarantee approval merely in exchange for an advance fee.

  1. COMMUNICATION CONSENT

Where you submit an enquiry and select the consent checkbox, you authorise Finstar to contact you concerning your enquiry through:

  • telephone calls;
  • SMS;
  • email;
  • WhatsApp; and
  • other communication channels you provide.

Service-related communication may include:

  • enquiry acknowledgement;
  • requests for information;
  • callback scheduling;
  • document guidance;
  • application updates; and
  • follow-up concerning the requested loan service.

Marketing communication will be sent only where permitted and may be stopped by:

  • replying “STOP” where applicable;
  • contacting the Finstar WhatsApp Business number;
  • emailing info@finstarcreditsolutions.com; or
  • requesting removal through a verified contact channel.
  1. WEBSITE CONTENT

Finstar aims to keep website information useful and reasonably current. However:

  • loan rates and lender policies may change;
  • product availability may differ;
  • information may become outdated;
  • typographical or technical errors may occur; and
  • website content may not reflect every individual circumstance.

You should not make a major financial decision solely on the basis of general website content.

  1. NO PROFESSIONAL ADVICE

Website content does not constitute:

  • legal advice;
  • tax advice;
  • investment advice;
  • accounting advice;
  • credit-repair advice; or
  • a substitute for advice from an appropriately qualified professional.

Where necessary, you should obtain independent professional advice before entering into a transaction.

  1. PROHIBITED USE

You must not:

  • use the website for fraud or unlawful activity;
  • submit fabricated or misleading information;
  • attempt to gain unauthorised administrative access;
  • introduce malware, malicious code or automated attacks;
  • scrape, copy or harvest customer information;
  • overload or disrupt the website;
  • misuse forms for spam;
  • impersonate Finstar, a lender or another person;
  • reproduce protected website content without permission; or
  • use the Finstar name, logo or content in a misleading manner.

We may restrict access, reject an enquiry or take legal action where misuse is suspected.

  1. INTELLECTUAL PROPERTY

Unless otherwise stated, the website design, text, logo, graphics, layout, calculators, branding and original content are owned by or licensed to Finstar Credit Solutions.

You may view and print reasonable portions for personal, non-commercial use.

You may not reproduce, republish, sell, modify, distribute, frame or commercially exploit website content without prior written permission.

Third-party names, logos and trademarks belong to their respective owners.

  1. THIRD-PARTY LINKS

The website may contain links to:

  • lenders;
  • WhatsApp;
  • Google Maps;
  • social-media platforms;
  • government resources; or
  • other independent websites.

Finstar does not control independent third-party websites and is not responsible for their availability, content, security, privacy or practices.

Opening a third-party link is at your discretion.

  1. WEBSITE AVAILABILITY

We do not guarantee that the website will always be:

  • available;
  • uninterrupted;
  • error-free;
  • compatible with every device;
  • free from all security threats; or
  • current at every moment.

The website may be temporarily unavailable because of maintenance, hosting problems, updates, technical failures, security incidents or circumstances beyond our reasonable control.

  1. PRIVACY

Personal information submitted through the website will be handled in accordance with the Finstar Privacy Policy.

By submitting information, you acknowledge that you have reviewed the Privacy Policy.

The Privacy Policy forms part of these Terms.

  1. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Finstar will not be liable for indirect, incidental, consequential, special or purely economic loss arising from:

  • reliance on general website information;
  • a lender’s approval or rejection decision;
  • changes in interest rates or lender policies;
  • delay by a lender or third party;
  • inaccuracies in information supplied by the user;
  • unauthorised sharing of passwords, OTPs or credentials;
  • third-party websites or platforms;
  • interruptions or technical failures; or
  • actions outside Finstar’s reasonable control.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded under applicable Indian law.

  1. USER INDEMNITY

You agree to be responsible for loss, cost or damage reasonably arising from:

  • information you knowingly submit falsely;
  • fraudulent documents supplied by you;
  • unlawful use of the website;
  • infringement of another person’s rights; or
  • breach of these Terms.

This provision applies only to the extent permitted by applicable law.

  1. FRAUD AND IMPERSONATION WARNING

Finstar will communicate only through contact details published on its official website or verified business channels.

You should be cautious of persons who:

  • promise guaranteed loan approval;
  • demand OTPs or passwords;
  • demand payment into an unrelated personal account;
  • claim to bypass lender checks;
  • request remote access to your device; or
  • use unofficial contact details.

Report suspected impersonation to:

Email: info@finstarcreditsolutions.com
Telephone: +91 98347 47218
WhatsApp: +91 98347 47218

  1. COMPLAINTS AND GRIEVANCES

For complaints relating to Finstar’s website, communication or advisory service, contact:

Grievance Officer:
Mr. Netranand Meshram

Finstar Credit Solutions

Address:
3/1 indurlok society 

Panchshil Chowk 

Tadiwala road 

Next to Nanda Deep hotel 

Pin code 411001
Pune, Maharashtra, India

Email:
info@finstarcreditsolutions.com

Telephone:
+91 98347 47218

Email subject:
“Customer Grievance – Finstar Credit Solutions”

Complaints concerning a lender’s credit decision, loan account or lender service may need to be raised directly with that lender through its official grievance process.

  1. TERMINATION OR RESTRICTION

Finstar may suspend communication, reject an enquiry or restrict website access where:

  • these Terms are breached;
  • fraud or misuse is suspected;
  • abusive behaviour occurs;
  • false documents are provided;
  • continued engagement may violate law or lender policy; or
  • security risks arise.
  1. CHANGES TO THE WEBSITE OR SERVICES

Finstar may modify, add, suspend or discontinue website features or services.

The availability of particular loan products or lender relationships may change without prior notice.

  1. CHANGES TO THESE TERMS

We may update these Terms to reflect:

  • changes in law;
  • changes in services;
  • changes in business arrangements;
  • technology updates; or
  • regulatory requirements.

The revised Terms will be published with an updated “Last Updated” date.

Continued use of the website after publication of revised Terms constitutes acceptance to the extent permitted by law.

  1. SEVERABILITY

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in effect.

  1. NO WAIVER

Failure to enforce a provision immediately does not permanently waive the right to enforce it later.

  1. GOVERNING LAW AND JURISDICTION

These Terms are governed by the laws of India.

Subject to applicable consumer-protection law and any mandatory legal forum, courts having jurisdiction in Pune, Maharashtra will have jurisdiction over disputes relating to the website or Finstar’s services.

Nothing in these Terms removes any statutory consumer right or lawful remedy available under applicable Indian law.

  1. CONTACT INFORMATION

Finstar Credit Solutions

Operated by:
Netranand Meshram

Address:
3/1 indurlok society 

Panchshil Chowk 

Tadiwala road 

Next to Nanda Deep hotel 

Pin code – 411001
Pune, Maharashtra, India

Email:
info@finstarcreditsolutions.com

Telephone:
+91 98347 47218

WhatsApp:
+91 98347 47218

Website:
https://finstarcreditsolutions.com