Last Updated: June 2026
By accessing or using iFlow's enterprise lending technology platform, website, APIs, services, or any related products (collectively, the "Services"), you agree to be bound by these Terms of Use ("Terms").
If you are accessing or using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and your acceptance of these Terms will be treated as acceptance by that organization.
If you do not agree to these Terms, you must not access or use the Services.
iFlow is a comprehensive enterprise lending technology platform developed and operated by LoanTap Financial Technologies Pvt. Ltd. Our platform provides end-to-end digital lending solutions for Banks, Non-Banking Financial Companies (NBFCs), FinTech companies, Housing Finance Companies (HFCs), and other financial institutions.
You may use the Services only if:
Subject to your compliance with these Terms and your commercial agreement with us, you may use the Services for:
All intellectual property rights in the Services, including but not limited to software, source code, APIs, UI/UX designs, documentation, trademarks, and logos, are owned by LoanTap Financial Technologies Pvt. Ltd.
Your use of the Services does not grant you any ownership rights to our intellectual property. You are granted only a limited, non-exclusive, non-transferable license to use the Services as set forth in your commercial agreement.
To access certain features of the Services, you must create user accounts for your authorized personnel. You are responsible for:
We reserve the right to suspend or terminate accounts that violate these Terms or pose a security risk.
The Services are provided on an enterprise basis pursuant to a separate commercial agreement. The specific features, service levels, support, pricing, and terms applicable to your use will be set forth in your commercial agreement.
In the event of any conflict between these Terms and your commercial agreement, the commercial agreement shall prevail.
Enterprise services may include dedicated support, custom integrations, white-labeling options, SLA commitments, and other features as agreed upon in your commercial agreement.
iFlow integrates with various third-party services to provide comprehensive functionality. Your use of these integrations is subject to the terms and conditions of the respective third parties.
We do not guarantee the availability or performance of third party services and are not responsible for any issues arising from their use.
Your use of the Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your data. By using the Services, you consent to our Privacy Policy.
You are responsible for ensuring that you have all necessary rights and consents to provide customer data to the Services and for your own compliance with applicable data protection laws, including but not limited to the Digital Personal Data Protection Act, 2023.
We implement industry-standard security measures to protect your data, including encryption, access controls, regular security audits, and compliance with applicable data protection regulations.
Each party agrees to maintain the confidentiality of any confidential information received from the other party and to use such information only for the purposes of performing under the commercial agreement.
Confidential information includes, but is not limited to, technical specifications, business processes, customer data, pricing information, and any information marked as confidential or that would reasonably be considered confidential.
These confidentiality obligations shall survive termination of your use of the Services for a period of five (5) years.
We strive to make the Services available 24/7, but we do not guarantee uninterrupted access. The Services may be unavailable during maintenance windows, upgrades, or due to circumstances beyond our control.
We will use commercially reasonable efforts to provide advance notice of planned maintenance. Service level agreements (SLAs), if applicable, will be specified in your commercial agreement.
We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time, with reasonable notice where practicable.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that the Services will be error-free, uninterrupted, secure, or free from viruses or other harmful components. Any material downloaded or otherwise obtained through the use of the Services is accessed at your own risk.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL LOANTAP FINANCIAL TECHNOLOGIES PVT. LTD. BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.
Our total liability for any claims arising out of or related to these Terms or the Services shall not exceed the amounts paid by you to us for the Services in the twelve (12) months preceding the claim.
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless LoanTap Financial Technologies Pvt. Ltd., its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with:
You agree to comply with all applicable laws, regulations, and regulatory guidelines in your use of the Services, including but not limited to:
You are solely responsible for ensuring that your use of the Services complies with all applicable regulatory requirements for your industry and jurisdiction.
We reserve the right to suspend or terminate your access to the Services at any time, with or without cause, with or without notice, effective immediately. Grounds for suspension or termination include, but are not limited to:
Upon termination, your right to use the Services will immediately cease. Provisions that by their nature should survive termination shall survive, including confidentiality, intellectual property rights, and limitation of liability.
We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website and updating the "Last Updated" date.
Your continued use of the Services after any such changes constitutes your acceptance of the new Terms. If you do not agree to the modified Terms, you must stop using the Services.
For enterprise customers, material changes to Terms that affect your commercial agreement may require mutual written consent as specified in your agreement.
These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.
Any disputes arising out of or related to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts located in Mumbai, Maharashtra, India.
You agree to submit to the personal jurisdiction of such courts and waive any jurisdictional, venue, or inconvenient forum objections to such courts.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
The invalid, illegal, or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable. If such modification is not possible, the provision shall be deemed deleted from these Terms.
We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, government actions, epidemics, pandemics, or failures of third-party services or infrastructure.
In the event of force majeure, our obligations shall be suspended for the duration of such circumstances, and we will use reasonable efforts to find alternative means of performance.
If you have any questions about these Terms or need legal assistance, please contact us:
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