Effective 2026. By using Micro Fin Savings Hub services, you agree to these Terms & Conditions governing all financial products and advisory services we provide.

You must be at least 18 years of age and possess the legal capacity to enter into binding financial agreements to use our services. All applicants must complete identity verification, including government-issued identification and income documentation, before accessing any financial product. We reserve the right to decline applications that do not meet our underwriting criteria or compliance requirements.

All loan approvals are subject to comprehensive creditworthiness assessment including credit history review, income verification, and debt-to-income ratio analysis. Interest rates, loan amounts, and repayment terms are determined individually based on your financial profile. Prepayment is allowed without penalty on most loan products, and rate lock guarantees are valid for 60 days from issuance.

Investment products including mutual funds, stocks, and gold involve inherent risk, including possible loss of principal. Past performance does not guarantee future results. We provide educational resources and professional guidance but do not guarantee specific investment outcomes. You are responsible for understanding the risks associated with each investment product before committing funds.

Insurance coverage is subject to the specific terms, conditions, exclusions, and deductibles outlined in each individual policy document. Micro Fin Savings Hub acts as a licensed insurance broker and does not underwrite policies directly. Claims processing, coverage determinations, and payout decisions are made by the respective insurance underwriters. We facilitate the application process but are not liable for underwriting decisions.

Home and auto warranty plans are service contracts, not insurance policies, and coverage is limited to the specific components and systems listed in your plan document. Pre-existing conditions, improper maintenance, and cosmetic damage are excluded from coverage. Service calls require a deductible payment at the time of repair, and all repairs must be performed by authorized, licensed technicians in our network.

All fees associated with our services are disclosed in writing before you commit to any product. Wealth management fees range from 0.75% to 1.25% annually on assets under management. Loan origination fees, insurance commissions, and warranty plan costs are itemized in your service agreement. We do not charge hidden fees, and any changes to fee structures require your written consent.

All payments processed through our digital payment platform including credit card transactions, P2P transfers, and bill payments are subject to our processing terms. Transaction limits, processing times, and fees vary by product type. We reserve the right to delay or decline transactions that trigger fraud detection alerts, and disputed transactions are resolved within 60 days of the initial claim.

Our total aggregate liability for any claim arising from the use of our services shall not exceed the total fees paid by you to Micro Fin Savings Hub in the twelve months preceding the event giving rise to the claim. We are not liable for indirect, incidental, or consequential damages, including loss of profits, investment losses, or opportunity costs arising from service interruptions or data breaches.

Financial markets are inherently volatile, and all financial products carry varying degrees of risk. Loan defaults may result in asset seizure and credit score damage. Investment values fluctuate and may result in principal loss. Insurance coverage has exclusions and limitations. Warranty plans do not cover all possible failures. You acknowledge these risks and accept responsibility for your financial decisions.

All content on our platform including software, analytics tools, educational materials, branding, and proprietary methodologies are the intellectual property of Micro Fin Savings Hub. You may not reproduce, distribute, or create derivative works from our content without written authorization. Custom financial plans and reports generated for you are licensed for your personal use and may not be commercially redistributed.

We continuously improve our platform and reserve the right to modify, suspend, or discontinue specific features, products, or services with reasonable notice. Material changes to service offerings that affect your active products will be communicated at least 60 days in advance, with options to adjust or transition your existing arrangements without penalty during the notification period.

Either party may terminate service engagement at any time with written notice. Upon termination, all outstanding financial obligations including loan repayments, insurance premiums, and investment management fees must be settled according to existing agreements. We reserve the right to close inactive profiles after 12 months of no activity, with prior notification and a 30-day grace period for reactivation.