Terms & Conditions of Use

Welcome to Fintrix Digital Finance ("fintrix", "we", "our", or "us"). These Terms & Conditions establish the rules and obligations that apply when you access or use any of our platforms, mobile applications, or financial products. By creating an account or using Fintrix services, you acknowledge that you have read and agree to these Terms.

Contact Information

For questions or concerns related to these Terms, please reach out to us at info@fintrix.live with the subject line "Terms & Conditions Inquiry". Customer Support is available 24/7 via our app and online platform. Our mailing address is Mumbai, India. You can also call us at (805) 598-0078 for immediate assistance.

Changes to These Terms

Fintrix may update or revise these Terms at any time. Significant changes will be communicated through email or platform notifications. Continued use of services implies acceptance of updated Terms.

Dispute Resolution

We encourage clients to contact support for assistance before initiating legal action. Unresolved matters may proceed under binding arbitration or litigation depending on governing agreements and jurisdiction.

Limitations of Responsibility

Fintrix is not liable for indirect, incidental, or punitive damages, losses caused by circumstances beyond our control including network failure, government restrictions, or natural disasters, or unauthorized use occurring due to user negligence or device compromise. Liability regarding unauthorized transactions follows federal consumer protection regulations.

Account Suspension & Termination

You may request closure of any account at any time, though all outstanding payments must be settled prior to closure. Fintrix may restrict or terminate accounts for policy violations, suspicious or unlawful activity, regulatory or compliance requirements, or extended inactivity per governing unclaimed-property laws.

Privacy & Data Handling

Fintrix protects client information under applicable privacy and data protection laws. Please review our Privacy Policy for details on data collection, storage, usage, and user rights.

Electronic Communication & Transactions

By using Fintrix, you consent to receive statements, notices, disclosures, and other documents electronically. Paper versions may be requested for a service fee. Electronic transfers and deposits may be subject to processing time, limits, and verification. Disputes regarding transactions must be reported promptly as outlined in federal electronic banking regulations.

Fees & Interest

All service-related fees and rate structures are published within our Fee and Rate Schedule. Fees may apply for withdrawals, expedited transfers, or account services. Interest and Annual Percentage Yields (APY) may change in accordance with market conditions and regulatory requirements. Credit products carry variable or fixed interest disclosed during agreement signing.

User Responsibilities

You agree to protect account credentials and authentication access, activate multi-factor authentication and use strong passwords, review account activity regularly and report unauthorized use immediately, and notify us if your device or login details are compromised. You must use Fintrix solely for legal and legitimate financial activity, maintain required balances for scheduled payments, follow transaction limits and regulatory rules, and provide accurate information during all financial processes. You may not use Fintrix for illegal or fraudulent operations including money laundering, grant third-party access to your account without authorization, attempt to manipulate or damage our systems or technologies, or use automated means to scrape, extract, or interfere with service operations.

Available Account Types & Services

Fintrix provides various financial solutions for individuals and businesses including Digital Checking Accounts with unlimited online transactions, High-Yield Savings Accounts with variable annual yield rates, and Business accounts for commercial and merchant operations. Deposit insurance coverage applies per federal guidelines. We also offer Consumer credit cards with multiple reward tiers, Personal loans and revolving credit lines subject to approval, and Business financing solutions. Lending decisions follow underwriting policies and credit assessment standards. Our digital financial tools include 24/7 mobile banking and online access, secure fund transfers, bill payments, and remote check deposits, plus financial tracking, budgeting dashboards, and analytics.

Eligibility & Registration Requirements

To register and maintain a Fintrix account, users must be at least 18 years of age, reside legally within the United States and possess valid identification, provide accurate and current personal information, maintain up-to-date contact information, and agree to take full responsibility for all transactions initiated through your account. In compliance with federal Know-Your-Customer (KYC) and anti-fraud regulations, you must provide government-issued documentation. Fintrix may verify identity through authorized third-party verification systems, and account activation may require additional review or may be declined if verification fails.

About Fintrix

Fintrix is a licensed financial technology institution providing digital banking tools, payment processing, lending products, and financial management services. Fintrix operates under applicable financial regulatory standards, and eligible deposits are insured up to statutory limits through certified insurance programs.