Terms of Use | FinResp

About this platform

FinResp is a public information and research platform covering Indian loans, health insurance and investing. It helps users analyze loan EMIs, interest rates, and refinancing options, research 20 major health insurers, and compare fixed deposit rates and what mutual fund categories did in the past, using publicly available IRDAI, RBI, SEBI and AMFI data, official policy and bank documents, and user-submitted reviews. It is not an insurance company, marketplace, broker, corporate agent, bank, NBFC, investment adviser, mutual fund distributor, or financial advisor as defined under applicable Indian law. It does not sell insurance policies, loan products, deposits or investments, collect premiums, loan fees or investment money, process applications, or represent any insurer, lender, bank or fund house commercially.

Acceptance of terms

By accessing or using FinResp, you agree to be bound by these terms of use, our Privacy Policy, and our Disclaimer. If you do not agree to these terms, please do not use this platform. Continued use of the platform after any update to these terms constitutes acceptance of the revised version.

Permitted use

You are permitted to: (a) browse, read, and research all content on this platform for personal, non-commercial purposes; (b) use the Loan Health Score and Loan Analyzer to check your EMI, rate, and refinancing options; (c) use Tejas, our guided assistant (built on fixed rules, not artificial intelligence), to see what loan, health cover or investing choices would mean for you; (d) submit genuine reviews of insurers based on your personal experience; (e) create an account to save your loan portfolio across visits; (f) share links to platform pages for informational purposes; and (g) reference data published here with appropriate attribution to the original source (IRDAI, RBI, NHA, etc.).

Informational use only

All content on this platform is provided for general informational and research purposes only. Nothing on this platform constitutes financial, legal, tax, loan, insurance or investment advice. Loan Health Score verdicts and Tejas suggestions are generated algorithmically based on your inputs, published policy data, and tracked market rate benchmarks — they are not personalised financial advice and do not account for all individual circumstances (such as your credit history or a lender's specific underwriting criteria). You should independently verify all information and consult a licensed insurance advisor, your lender or bank, or a SEBI-registered investment adviser before making any financial decision.

Tejas — guided assistant

Tejas is a guided assistant built on fixed rules. It is not an artificial-intelligence model, and nothing you type is sent to an AI service. For health insurance, it asks about your age, health conditions, budget and preferences to suggest suitable plans from our database. For loans, it walks through EMI and rate questions and points you to the loan tools. For investing, it shows what a choice could mean for your money using the FD rates and fund history on this platform; it does not tell you which bank or fund to choose. If you log in, it can answer questions about your own saved account details. Suggestions are based on publicly available plan data, tracked rate benchmarks, and weighted scoring — they do not constitute a personalised recommendation under IRDAI or RBI regulations. FinResp is not responsible for decisions made based on Tejas suggestions. Always review the official policy document or loan agreement before proceeding.

Submitting a review

By submitting a review, you confirm that: (a) the review reflects your genuine personal experience with the named insurer; (b) the content is accurate to the best of your knowledge; (c) the review does not contain false, misleading, defamatory, offensive, or commercially motivated content; (d) the review does not include personal contact details of yourself or any other person; and (e) you grant FinResp a non-exclusive, royalty-free right to display and use the submitted content on this platform. We reserve the right to remove reviews that violate these terms.

Accuracy of information

We make reasonable efforts to maintain accurate and current information. However, we do not guarantee that all data — including claim settlement ratios, ICR figures, solvency data, plan features, loan rate benchmarks, or news summaries — is complete, current, or error-free. Plan features and interest rates may change after publication. Claim and rate data may lag the most recent regulatory filings or market movements. Always verify information with official IRDAI/RBI publications, the insurer, or your lender directly.

Prohibited use

You may not: (a) scrape, copy, reproduce, or redistribute platform content for commercial purposes without written permission; (b) attempt to interfere with, damage, or gain unauthorised access to the platform or its underlying systems; (c) impersonate any person, organisation, insurer, or lender; (d) submit reviews or other content that is false, defamatory, commercially motivated (including reviews submitted by or on behalf of insurers or lenders), or otherwise in violation of these terms; (e) use automated tools to access or harvest data from the platform in a manner that places excessive load on infrastructure; or (f) use any content from this platform to train machine learning models without written permission.

Account and saved data

Creating an account (via email and one-time password) is optional and only needed if you want to save your loan portfolio across visits or view it under My Financial Health. Account data is tied to the email you provide — it is not anonymous the way a browsing-only Tejas session is. See our Privacy Policy for what's stored and how to delete it.

Anonymised research data collection

When you use Tejas without logging in, your conversation choices are saved as an anonymised session containing broad non-identifiable signals (age group, health or loan profile, budget preference). This data is used in aggregate to improve recommendations and generate anonymised research insights. No personally identifiable information is collected or linked to these anonymous sessions. Refer to our Privacy Policy for full details.

Intellectual property

The content, design, structure, and code of this platform are the property of FinResp. Data sourced from IRDAI/RBI publications is publicly available and is attributed accordingly. User-submitted reviews remain the intellectual property of the submitting user, subject to the licence granted under these terms. Unauthorised commercial reproduction of platform content is prohibited.

No warranties

This platform is provided on an 'as-is' and 'as-available' basis. FinResp makes no warranties of any kind, express or implied, including accuracy, completeness, reliability, or fitness for a particular purpose. We are not liable for any loss, damage, or adverse outcome — financial, health-related, or otherwise — arising from reliance on information published here, including Loan Health Score verdicts or plan suggestions from Tejas.

Limitation of liability

To the maximum extent permitted by applicable law, FinResp and its contributors shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this platform or any content on it — including decisions made based on plan data, claim ratios, loan rate benchmarks, or Tejas suggestions.

Third-party content and links

This platform links to external insurer websites, IRDAI publications, and news sources for reference. FinResp does not control, endorse, or take responsibility for the content, accuracy, or practices of any external website. The inclusion of a link does not imply endorsement of the linked source or its content.

Complaints and grievances

To complain about content on FinResp (including a review), or about how your information is handled, write to grievance@finresp.com. Complaints go to our Grievance Officer through that address. We acknowledge a complaint within 24 hours and aim to resolve it within 15 days. Every published review has a "Report this review" link. If you are not satisfied, you may approach the Data Protection Board of India under the law.

Governing law and jurisdiction

These terms of use are governed by the laws of India. Any disputes arising in connection with the use of this platform or these terms shall be subject to the exclusive jurisdiction of the competent courts in India.

Changes to these terms

FinResp reserves the right to update or modify these terms at any time without prior notice. Changes will be published on this page with an updated date. Continued use of the platform after changes are posted constitutes acceptance of the revised terms. We recommend reviewing this page periodically.