Terms & Conditions

These Terms & Conditions govern your access to and use of Finwelco.com, operated by DMT Empire India Private Limited (“Company”, “We”, “Us”, or “Our”). By accessing or using this website, you agree to be legally bound by these Terms. If you do not agree, please discontinue use of the website immediately. About Finwelco

Finwelco.com is a digital financial services platform offering insurance distribution, mutual fund distribution, BBPS bill payments, premium payment services, and related financial facilitation services. The Company acts as a distributor or intermediary and does not act as a bank, insurer, or asset management company unless explicitly stated. All services are subject to applicable Indian laws and regulatory guidelines including RBI, IRDAI, SEBI, and NPCI norms where applicable. Eligibility

By using this website, you confirm that you are at least 18 years of age, legally competent to enter into binding agreements under Indian law, and that all information provided by you is accurate and complete.

User Account & Security

Certain services may require registration and KYC verification. You are responsible for maintaining confidentiality of your login credentials, passwords, and transaction PIN. Any activity conducted through your account shall be deemed authorized by you. The Company shall not be liable for losses arising from unauthorized access due to your negligence.

Nature of Financial Services

Insurance products are offered by licensed insurers and are subject to their respective terms and underwriting decisions. Mutual fund investments are subject to market risks; users are advised to read all scheme-related documents carefully before investing. BBPS and payment services are processed through authorized banking and payment infrastructure. The Company does not guarantee returns, approvals, or uninterrupted service.

Payments, Charges & Refunds

Users agree to pay applicable service charges, convenience fees, or platform fees as displayed. All transactions are subject to successful authorization by banks and payment gateways. Once processed successfully, transactions may not be reversible except as per the policy of the respective service provider.

Refunds & Cancellations

Refunds, if applicable, shall be governed by the policies of the respective insurer, asset management company, biller, or payment partner. The Company is not responsible for delays caused by third-party institutions or incorrect information provided by users.

User Responsibilities

You agree not to use the platform for unlawful, fraudulent, or money-laundering activities. You shall not provide false documentation, attempt unauthorized system access, or misuse services. Non-compliance with regulatory or KYC/AML requirements may result in suspension or termination of access.

Intellectual Property

All content on Finwelco.com including logos, branding, text, design, graphics, and software are the intellectual property of DMT Empire India Private Limited unless otherwise stated. Unauthorized reproduction or distribution is strictly prohibited. Privacy & Data Protection

Privacy & Data Protection

User information is collected and processed in accordance with our Privacy Policy. The Company implements reasonable security safeguards to protect user data; however, no electronic system can guarantee absolute security.

Limitation of Liability

The Company shall not be liable for market losses, insurer decisions, service interruptions, technical errors, or third-party failures. To the maximum extent permitted by law, the Company’s total liability shall not exceed the amount paid by the user for the specific transaction giving rise to the claim.

Governing Law & Jurisdiction

This Terms of Use shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions and the exclusive jurisdiction of competent courts in New Delhi, India.

Legal Framework