Terms and Conditions

1. Scope and legal agreement

These Terms and Conditions govern access to and use of the Findoly Provider Portal, its lead marketplace, provider account, subscription plans, digital credits, payment features, support channels and related services made available by Findoly Solutions LLP (collectively, the “Platform”). They apply to every person or business that registers, is approved, logs in, purchases a plan or credits, views an enquiry, unlocks a lead, updates a lead outcome, or otherwise uses the Platform.

By requesting an OTP, logging in, purchasing any digital service, unlocking a lead or continuing to use the Platform, you confirm that you have read, understood and agreed to these Terms and the policies linked from them. If you act for a firm, company, partnership, limited liability partnership or other organisation, you confirm that you are authorised to bind that organisation. If you do not agree, do not use the Platform.

2. Definitions and interpretation

In these Terms, “Findoly”, “we”, “us” and “our” mean Findoly Solutions LLP. “Provider”, “you” and “your” mean the approved service provider and, where applicable, the organisation represented by the person using the account. “Customer” means a person whose service requirement may be displayed or shared through the Platform. “Enquiry” or “Lead” means information concerning a potential service requirement. “Unlock” means the Platform action that makes restricted lead information available after the stated credit deduction or verified direct payment. “Credits” means non-cash, account-linked digital units used for eligible Platform actions. “Plan” or “Subscription” means a time-limited package that may allocate credits and access features.

Headings are for convenience only. Words such as “including” mean “including without limitation”. References to law include amendments and replacements, to the extent applicable and in force. A reference to writing includes email and notices displayed in the Platform.

3. Provider eligibility and authority

The Platform is intended for genuine service businesses and authorised representatives who are legally capable of entering a binding contract. You must provide services only in categories and locations for which you are qualified, permitted and operationally able to serve. Findoly may require eligibility, identity, business, tax, licence, address, category, service-area or other verification before enabling or continuing access.

Approval is discretionary and may depend on records maintained in Findoly’s CRM, account status, provider classification, compliance history and other legitimate risk controls. Approval for one category, location or period does not create a permanent right to access all leads or features.

4. Registration, verification and profile information

You must provide complete, current and accurate information during onboarding and whenever Findoly requests an update. This may include legal or trading name, mobile number, email address, address, service categories, subcategories, service PIN codes, operating radius, business documentation, tax information and authorised-contact details.

You must promptly inform Findoly if any material information becomes inaccurate or if the authorised user changes. Findoly may rely on the information in its systems when matching enquiries, allocating access, issuing invoices, reviewing a complaint or communicating with you. Providing false, misleading, impersonated or unauthorised information is prohibited.

5. OTP login and account security

Provider access uses the approved mobile number and a one-time password sent through Findoly’s authorised OTP service. You must keep control of the registered mobile number, device, SIM and account session. Do not share an OTP, session, browser access or unlocked lead information with an unauthorised person. Findoly will never display a development OTP or ask you to disclose an OTP by email.

You are responsible for actions taken through a valid session unless you notified Findoly of suspected compromise and took reasonable steps to secure the account. Findoly may apply resend limits, verification limits, device or network controls, session expiry and other safeguards. Contact support@findoly.com immediately if you suspect unauthorised access.

6. Nature of the Platform and Findoly’s role

Findoly provides technology that helps approved providers discover and manage potential customer enquiries. Unless expressly stated in writing for a specific service, Findoly is not the provider that performs the customer’s work, is not an employer or agent of a Provider, does not control a Provider’s staff or methods, and is not a party to the service contract, quotation, warranty, payment or dispute between a Provider and Customer.

Providers operate independently and remain responsible for their services, representations, pricing, staff, subcontractors, licences, safety, quality, timelines, tax obligations, warranties and customer remedies. Use of Findoly branding must not suggest that the Provider is owned by, employed by or legally representing Findoly.

7. Category, location and eligibility matching

The Platform may filter or prioritise enquiries using approved service categories, subcategories, service types, PIN codes, geographic radius, account status, lead priority, lead age, availability, marketplace limits and other operational rules. Matching is intended to improve relevance but may not be complete, exclusive or error-free.

A Provider may see different enquiries from another Provider. Findoly may change matching logic, display order, limits or eligibility controls to protect customers, manage marketplace quality, comply with law or improve operations. No Provider is entitled to receive a minimum number of enquiries.

8. Lead information and quality

Lead information is based on data supplied by a customer, collected through authorised channels, or recorded by Findoly personnel and systems. Findoly may validate, moderate, prioritise, pause, close or remove an enquiry, but does not warrant that every detail is complete, current, unique, genuine or suitable for a Provider.

A lead may be unavailable, duplicated, changed, withdrawn, already served, outside the Provider’s preferred conditions, unreachable, inaccurate or not converted into paid work. Customer intent can change after submission. Providers must independently evaluate each opportunity before committing resources or entering a contract.

9. Lead unlocking and credit deductions

Restricted customer details become visible only after the applicable unlock process. Before confirming an unlock, the Platform may show the credit cost or direct-payment amount. When an unlock succeeds, the stated credits are deducted from the Provider’s available balance or the direct payment is fulfilled. An unlock provides access to available lead information; it does not purchase a guaranteed sale, appointment, response, conversion, exclusivity or revenue.

Credit consumption is recorded against the account and may be drawn from active allocations according to system rules, including earliest applicable expiry. You must review the displayed cost before confirming. Repeated clicks, browser refreshes or network retries are handled through transaction and idempotency controls, but you should report any apparent duplicate deduction promptly.

10. Invalid, duplicate or disputed leads

The Provider Portal allows Providers to record activity statuses and reasons, including invalid, duplicate, no response or not interested. These fields support marketplace operations and reporting. A Provider’s status selection is not, by itself, proof that a lead is invalid and does not automatically reverse an unlock, restore credits or create a refund entitlement.

Unless Findoly publishes a separate written invalid-lead adjustment programme or confirms an adjustment in writing, unlocked leads remain final. Findoly may investigate patterns, compare system records, contact relevant parties and, at its discretion or where legally required, correct a proven duplicate debit, technical allocation error or other verified system discrepancy.

11. Plans, subscriptions and credit allocation

Plans may be offered on monthly, yearly or other displayed cycles. Each plan may include base credits, promotional or bonus credits, feature access and a stated validity period. The plan description and checkout summary shown immediately before payment form part of the purchase terms.

Credits are digital, account-linked, non-transferable and not legal tender, stored value, a bank deposit, a wallet balance or a cash equivalent. They cannot be withdrawn, sold, gifted, exchanged or converted into money. Credits may only be used for eligible Provider Portal actions while valid and while the Provider account remains eligible.

12. Validity, expiry and renewals

Plan credits and promotional credits expire according to the validity displayed for the selected plan or allocation. The current implementation may carry eligible credits forward while an active plan is renewed, as described in the plan interface, and may extend active plan allocations to the renewed validity date. Expired credits are removed from the usable balance and recorded in credit activity.

Purchases do not automatically renew unless Findoly expressly introduces and discloses an auto-renewal mechanism. A new purchase may begin immediately or be scheduled after the current subscription period according to the checkout and account records. You are responsible for reviewing the active and upcoming subscription information.

13. Pricing, taxes and invoices

Prices, credit quantities, bonus percentages, plan duration, lead cost and tax treatment are those displayed at the time of the relevant transaction. Certain displayed prices may include GST and others may have GST added at checkout, as expressly shown. Findoly may change future pricing, plan composition, credit costs or promotional offers, but a completed verified transaction will be fulfilled according to its recorded order details.

You are responsible for supplying accurate billing and tax information and for your own accounting and tax treatment. Any invoice, receipt or payment record is based on information available at the time of issue and may be corrected where required by law or to fix a clerical error.

14. Payment processing and verification

Payments are processed through authorised third-party payment infrastructure, currently including Razorpay where enabled. Payment methods, authentication, bank approval, gateway status, settlement and reversal may be controlled by the payment service provider, card network, bank or UPI participant. Findoly does not receive or store full card numbers, CVV values or UPI PINs through the Provider Portal.

An order is not fulfilled merely because an amount appears debited. Credits or a direct unlock are activated only after Findoly verifies the payment through an authorised signature, webhook, gateway status or other reliable confirmation. Pending, failed, cancelled, reversed or unverifiable transactions do not create an entitlement to digital delivery.

15. Cancellations, refunds and payment corrections

Successfully purchased and activated subscriptions and credits are non-refundable and cannot be cancelled, returned or exchanged after activation. Used, partially used, unused and expired credits do not create a cash-refund right. Direct lead unlocks are final after successful fulfilment, subject to correction of a verified duplicate debit, unauthorised transaction, failed fulfilment or other non-waivable legal right.

Detailed conditions, evidence requirements and exceptional payment-correction procedures are stated in the Cancellation and Refund Policy, which forms part of these Terms.

16. Provider and Customer relationship

After an unlock, the Provider may contact the Customer only in connection with the submitted requirement and in accordance with the Acceptable Use and Lead Data Policy. The Provider decides whether to quote, inspect, accept or decline the work. Any contract is directly between the Provider and Customer unless Findoly expressly agrees otherwise in writing.

The Provider must clearly disclose its own identity, scope, price, exclusions, taxes, timeline, cancellation terms and warranty before accepting work. Findoly is not responsible for amounts collected directly by the Provider, deposits, refunds, property damage, personal injury, delayed service, defective work, employment matters or disputes arising from the Provider’s performance.

17. Provider service obligations

You must act professionally, honestly and lawfully. You must not misrepresent qualifications, availability, experience, ratings, affiliation, prices or guarantees. You are responsible for background checks, training, supervision, equipment, permits, insurance and safety measures appropriate to your service.

• Respond only where you can reasonably serve the requirement.
• Use fair and transparent quotations and avoid hidden charges.
• Respect the Customer’s property, privacy, time and communication preferences.
• Maintain records needed to manage your own quotations, services, taxes and complaints.
• Cooperate with legitimate Findoly investigations concerning misuse or safety.

18. Licences, regulated services and prohibited categories

You must obtain and maintain every registration, licence, certification, consent, insurance or professional qualification required for your services. The Platform must not be used to offer illegal, unsafe, deceptive, restricted or prohibited goods or services.

Findoly may restrict categories that create legal, safety, fraud or reputational risk. Display of a category does not represent legal advice or confirmation that a particular Provider is licensed. You must independently determine and comply with all rules applicable to your business, workers, vehicles, tools, advertising, pricing and customer contracts.

19. Customer communications and consent

Customer contact information may be used only for the specific enquiry and reasonable follow-up. You must identify yourself and your business, communicate at appropriate times, stop when the Customer declines further contact, and comply with applicable telecommunication, anti-spam, consumer-protection and privacy requirements.

You must not add a Customer to unrelated marketing lists, send bulk promotional messages, disclose the Customer’s details, use automated harassment, or continue repeated contact after a clear refusal. A WhatsApp or telephone link provided by the Platform is a convenience and does not replace your obligation to obtain or respect consent.

20. Acceptable use and prohibited conduct

You must use the Platform only for legitimate Provider activity. Prohibited conduct includes scraping, crawling, bulk extraction, credential sharing, access-control bypass, reverse engineering except where law cannot prohibit it, interference with security, malicious code, denial-of-service activity, unauthorised automation, fake accounts, payment manipulation, lead resale and attempts to identify or contact restricted customers without an authorised unlock.

You must not exploit bugs, duplicate transactions, manipulate lead statuses, submit false complaints, create artificial activity, misuse promotional credits, attempt chargeback fraud, impersonate Findoly or another Provider, or use the Platform to threaten, discriminate against, deceive or harass any person.

21. Provider content and licence to Findoly

You retain ownership of lawful business content you provide, such as business name, description, logo, photographs, service information and documents. You grant Findoly a non-exclusive, worldwide, royalty-free licence to host, reproduce, format, adapt for display, transmit and use that content as reasonably necessary to operate, secure, support and promote the Platform and your approved listing.

You confirm that you have all rights and permissions required for submitted content and that it is accurate, lawful and non-infringing. Findoly may remove, restrict or request changes to content that is misleading, unsafe, unlawful, technically harmful or inconsistent with Platform standards.

22. Records, analytics and provider feedback

Findoly may maintain records of logins, OTP activity, lead views, unlocks, credits, payments, status updates, outcomes, support interactions and security events. Platform records may be used to operate the account, investigate disputes, identify fraud, measure marketplace performance, improve matching and meet legal obligations.

Providers should update lead activity and outcome information accurately. Such updates do not transfer responsibility for the Provider’s customer relationship to Findoly and may be reviewed for consistency and marketplace quality.

23. Monitoring, moderation and investigations

Findoly may use automated and manual controls to detect abuse, unusual payment activity, account compromise, unlawful content, customer-data misuse and repeated poor-quality conduct. Findoly may ask for records or explanations reasonably relevant to an investigation.

Findoly is not required to monitor every communication or transaction and does not assume responsibility merely because moderation is available. Where necessary, Findoly may preserve records, restrict access, warn affected users, cooperate with payment providers or authorities, and take other lawful protective measures.

24. Suspension, restriction and termination

Findoly may suspend, restrict or terminate access where an account is ineligible, unverified, inactive, compromised, associated with non-payment, used in breach of these Terms, subject to a credible safety or fraud complaint, or required to be restricted by law, court order, payment partner or legitimate operational need.

Where appropriate, Findoly may provide notice or an opportunity to respond, but immediate action may be taken to prevent harm, fraud, data misuse or legal exposure. Suspension may prevent use of remaining credits while the review is pending. Termination does not convert credits into cash or create a refund right, except where applicable law requires otherwise or Findoly confirms a correction in writing.

25. Third-party services and external links

The Platform may connect to OTP providers, payment gateways, banks, mapping services, hosting infrastructure, CRM systems, WhatsApp and other third-party services. Their availability, security, terms and privacy practices are controlled by them. Findoly is not responsible for a third-party service merely because a link or integration is provided.

You must review the terms applicable to any third-party service you choose to use. Findoly may replace, suspend or reconfigure integrations when reasonably necessary.

26. Findoly intellectual property

The Platform, software, database structure, user interface, text, graphics, workflows, trademarks, logos and other materials supplied by Findoly are owned by or licensed to Findoly and protected by applicable law. Subject to these Terms, Findoly grants you a limited, revocable, non-exclusive, non-transferable right to use the Provider Portal for your internal business participation during account eligibility.

No right is granted to copy the Platform, create a competing dataset from lead information, use Findoly branding in a domain or business name, remove proprietary notices, or commercially exploit Platform materials outside the permitted service.

27. Confidentiality and restricted information

Unlocked customer information, non-public pricing controls, security details, operational communications and other information identified or reasonably understood as confidential must be protected and used only for the authorised purpose. You must limit access to personnel who need it and are bound by equivalent obligations.

Confidentiality does not apply to information lawfully public without breach, independently developed without access, or lawfully received without restriction. A legally compelled disclosure should, where permitted, be limited and notified to Findoly or the affected person as appropriate.

28. Availability, changes and maintenance

Findoly aims to operate a reliable service but does not guarantee uninterrupted, timely, secure or error-free availability. Access may be affected by maintenance, updates, demand, network failure, third-party outages, security incidents, legal requirements or force majeure.

Findoly may add, change, limit or discontinue features, layouts, matching methods, credit costs or service areas. Material changes affecting an active paid entitlement will be handled reasonably and subject to applicable law, but no particular feature is guaranteed indefinitely.

29. Disclaimers

To the fullest extent permitted by law, the Platform and lead information are provided on an “as available” basis. Findoly disclaims implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, lead conversion, business results and uninterrupted availability.

Nothing in these Terms excludes a warranty or responsibility that cannot lawfully be excluded. No oral statement, sales discussion, estimate or marketing material creates a guarantee unless expressly included in a written agreement signed by an authorised representative of Findoly.

30. Limitation of liability

To the fullest extent permitted by law, Findoly will not be liable for indirect, incidental, special, punitive or consequential loss, loss of profit, business, reputation, opportunity, anticipated savings or data, or for a Provider-Customer dispute, even if the possibility was known.

For a claim directly arising from a specific paid Platform transaction and not otherwise excluded, Findoly’s aggregate liability will not exceed the amount actually paid to Findoly for that specific transaction, except where applicable law requires a different remedy. This limitation does not apply to liability that cannot lawfully be limited.

31. Indemnity

You agree to defend, indemnify and hold harmless Findoly Solutions LLP, its partners, personnel and service providers from third-party claims, losses, penalties, costs and reasonable legal expenses arising from your services, customer contract, unlawful conduct, breach of these Terms, misuse of personal data, infringement of rights, tax or employment obligations, or content you submit, except to the extent caused by Findoly’s own unlawful conduct.

Findoly will provide reasonable notice of a covered claim where practicable. You may not settle a claim in a manner that admits liability for or imposes obligations on Findoly without written consent.

32. Force majeure

Neither party is responsible for delay or failure caused by events beyond reasonable control, including natural disaster, epidemic, war, civil disturbance, government action, court order, telecommunications or cloud outage, banking or payment-network disruption, cyberattack not caused by failure to use reasonable safeguards, labour disruption or utility failure. This clause does not excuse payment already due or obligations that can reasonably continue.

33. Notices and electronic communications

You consent to receive account, security, payment, policy, lead and service communications through the registered mobile number, email, Platform interface or other authorised channel. Electronic records and notices satisfy writing requirements to the extent permitted by law.

You must keep contact details current. A notice sent to the latest registered details may be treated as delivered in the ordinary course, subject to applicable law and evidence of delivery failure.

34. Changes to these Terms

Findoly may update these Terms to reflect legal, security, product or operational changes. The revised date will be shown at the top. Material changes may also be notified through the Platform or registered contact details. Continued use after the effective date constitutes acceptance, except where separate consent is required by law.

A change will not retroactively alter a completed transaction except to correct an error, comply with law or apply a term that was already part of the transaction.

35. General legal provisions

If a provision is invalid or unenforceable, it will be limited or removed only to the extent necessary and the remaining provisions continue. Failure to enforce a term is not a waiver. You may not assign or transfer your account or rights without written consent. Findoly may assign these Terms as part of a restructuring, financing, merger, acquisition or transfer of the Platform, subject to applicable law.

These Terms, together with the linked policies and any specific written commercial agreement, form the entire agreement concerning the Provider Portal and supersede prior discussions on the same subject. In a conflict, a signed specific agreement prevails for its subject matter, followed by the transaction summary, these Terms and the linked policy.

36. Governing law and jurisdiction

These Terms are governed by the laws of India. The parties should first attempt in good faith to resolve a dispute through written communication. Subject to non-waivable statutory remedies, the courts having jurisdiction in Mumbai, Maharashtra will have exclusive jurisdiction.

Nothing prevents either party from seeking urgent interim relief from a competent court or using a statutory consumer, data-protection, payment or regulatory remedy where legally available.

37. Support and grievance contact

Questions about these Terms, account access, payments or Platform conduct may be sent to support@findoly.com. Formal complaints should include the Provider’s registered mobile number, a clear description, relevant dates, transaction or lead references and supporting evidence.

The process for complaints and escalation is described in the Grievance Redressal Policy.