Terms of Use

Platform role & disclaimer

BharatFinancial is a technology intermediary. We facilitate comparison and processing of bank guarantees and insurance surety bonds. Issuance decisions rest solely with participating financial institutions. We are not a bank, insurer or guarantor and do not hold customer funds.

Contractor obligations

You agree to provide accurate information, upload only documents you are authorised to share, and maintain a single account per entity. You confirm you have authority to grant consents on behalf of your business.

Offer mechanics

Institution offers are binding for seven days unless otherwise stated. Accepting an offer releases your full KYC pack to that institution only. Other offers may be held as backup for 48 hours.

Fees

Contractors: nil platform fee. You pay only the issuer’s quoted commission, margin and statutory charges. Financial institutions: success fee under a separate commercial agreement. Departments: SaaS subscription terms under pilot or production agreements.

Prohibited use, IP & liability

You may not misuse the platform for fraud, re-identification of anonymized leads, or reverse engineering. Platform IP remains with BharatFinancial. Liability is limited as set out in the full terms; we are not liable for issuer decisions or instrument performance.

Governing law

These terms are governed by the laws of India. Disputes are subject to arbitration in India, as detailed in the full agreement.