Introduction
Welcome to Hyper Finance ("Hyper Finance," "we," "our," or "us"). These Terms of Service ("Terms") constitute a legally binding agreement between you and Hyper Finance governing your access to and use of the Hyper Finance mobile application, website, and all related products, technologies, and services (collectively referred to as the "Services").
These Terms explain the rights, responsibilities, obligations, and legal relationship between users and Hyper Finance. Before accessing or using any part of our Services, you should carefully read these Terms together with our Privacy Policy and any additional agreements that may apply to specific products or services.
By installing the application, creating an account, submitting a loan application, browsing the Platform, or otherwise using any Service provided by Hyper Finance, you acknowledge that you have read, understood, and agreed to comply with these Terms. If you do not agree with any provision contained herein, you must immediately discontinue the use of the Platform and refrain from accessing any Services.
The Hyper Finance Platform, including its mobile application, website, software systems, databases, interfaces, and related technologies, is owned, operated, administered, and maintained by STACKFIN TECHNOLOGY PRIVATE LIMITED.
Hyper Finance functions as a digital financial technology platform that facilitates users in accessing lending-related services provided by authorized lending partners. The Platform may provide loan application assistance, customer verification, repayment support, payment-related services, account management, and other technology-enabled financial solutions.
Nothing contained within these Terms shall be interpreted as transferring ownership of the Platform or any part of the Services to users.
Unless expressly stated otherwise, all intellectual property rights associated with Hyper Finance remain the exclusive property of Hyper Finance or its respective licensors.
Protected intellectual property includes, but is not limited to:
These materials are protected under applicable copyright laws, trademark laws, intellectual property laws, and other relevant legislation.
Except where expressly permitted by applicable law or with our prior written authorization, users shall not:
Unauthorized use of any intellectual property belonging to Hyper Finance may result in civil or criminal liability to the fullest extent permitted by law.
Your access to the Services grants only a limited, revocable, non-exclusive, non-transferable, and non-sublicensable right to use the Platform for its intended purposes.
Except for this limited right of access, no ownership interest, intellectual property right, license, or other legal entitlement is transferred to you.
All current and future rights relating to the Services, including registered and unregistered intellectual property rights existing in any jurisdiction, shall remain exclusively owned by Hyper Finance or its licensors.
Nothing contained in these Terms shall be interpreted as granting any implied license unless expressly stated in writing.
Certain information available through the Platform may constitute confidential, proprietary, commercially sensitive, or non-public information belonging to Hyper Finance or its business partners.
Unless expressly authorized in writing by Hyper Finance, users shall not:
Users acknowledge that unauthorized disclosure or misuse of confidential information may cause substantial harm to Hyper Finance and may result in legal action.
Users agree to access and use the Platform responsibly and in accordance with all applicable laws, regulations, governmental requirements, and these Terms.
When using the Services, users shall not engage in activities including, but not limited to:
Hyper Finance reserves the right, at its sole discretion and without prior notice, to suspend, restrict, terminate, or permanently disable access to any account that is reasonably believed to have violated these Terms, applicable laws, or our internal risk control policies.
Such actions may be taken immediately where necessary to protect users, lending partners, regulatory compliance, or the integrity of the Platform.
Hyper Finance reserves the right to revise, amend, supplement, or replace these Terms at any time in response to operational requirements, legal developments, regulatory changes, technological improvements, or business needs.
Where reasonably practicable, notice of material changes will be published through the Platform, website, or other appropriate communication channels before the updated Terms become effective.
Unless otherwise required by applicable law, continued access to or use of the Services after the effective date of the revised Terms constitutes your acceptance of those revisions.
If you do not agree with any modification, your sole remedy is to discontinue using the Services before the updated Terms take effect.
By registering for or using Hyper Finance, you represent and warrant that:
Hyper Finance reserves the right to refuse registration, reject applications, suspend accounts, or terminate Services if it determines that a user fails to satisfy any eligibility requirement or has provided false or misleading information.
To apply for any loan or financial product available through the Hyper Finance Platform, users must satisfy the eligibility requirements established by our lending partners and complete all application procedures required by the Platform.
By submitting a loan application, you acknowledge and agree to the following conditions:
You agree to provide all information, documents, declarations, and permissions reasonably requested during the loan application process.
Such information may include personal identification details, employment information, financial records, banking information, income documentation, device-related information, geographic location, and other materials necessary for evaluating your loan application.
You expressly authorize Hyper Finance to collect, receive, verify, organize, process, store, and transmit such information to the relevant lending institution solely for the purpose of reviewing, approving, servicing, or administering your loan application.
You acknowledge that the information requested through the Platform is collected in accordance with applicable laws, regulatory requirements, and compliance obligations governing financial institutions in India.
Failure to provide the requested information, supporting documentation, or required permissions may prevent Hyper Finance or its lending partners from processing your application or continuing to provide financial services.
Hyper Finance reserves the right to suspend, reject, or discontinue any application that cannot be adequately verified.
You represent and warrant that every document, statement, declaration, and piece of information submitted through the Platform or communicated to Hyper Finance is complete, truthful, accurate, and up to date.
If additional verification is required, you agree to promptly provide supplementary information or supporting documentation requested by Hyper Finance or the lending institution.
Providing false, forged, misleading, incomplete, or fraudulent information may result in application rejection, loan cancellation, account suspension, reporting to relevant authorities, or any other action permitted by applicable law.
As part of the loan application process, you may be required to review and accept electronic agreements, disclosures, authorizations, or other legally binding documents.
By selecting any button indicating acceptance, confirmation, or similar consent, you acknowledge that such electronic acceptance has the same legal force and effect as a handwritten signature.
You further authorize Hyper Finance and its lending partners to conduct identity verification, anti-fraud screening, Know Your Customer (KYC) procedures, Anti-Money Laundering (AML) compliance reviews, and any additional verification measures required under applicable laws.
Where applicable, you also agree to pay any lawful processing fees, convenience charges, or other disclosed service fees associated with your loan application.
To evaluate your eligibility for financial products, Hyper Finance and its lending partners may obtain, review, verify, or exchange information with legally authorized third parties.
Such verification may include information obtained from:
These verification activities are intended to assess repayment capability, confirm identity, prevent fraudulent transactions, satisfy regulatory obligations, and support responsible lending decisions.
If your loan becomes overdue, remains unpaid, or otherwise constitutes a reportable credit event under applicable regulations, Hyper Finance or the relevant lending institution may report such information to authorized Credit Information Companies or other legally recognized credit reporting agencies.
Such reporting may affect your future eligibility for financial products offered by Hyper Finance, its lending partners, or other financial institutions.
Your privacy is important to Hyper Finance.
By accessing or using the Services, creating an account, or submitting a loan application, you acknowledge that your personal information will be collected, processed, stored, used, disclosed, and protected in accordance with our Privacy Policy.
The Privacy Policy forms an integral part of these Terms of Service. By accepting these Terms, you also confirm that you have read, understood, and agreed to the Privacy Policy published by Hyper Finance.
Where your consent is required under applicable law, you expressly authorize Hyper Finance, its employees, contractors, service providers, agents, affiliated companies, and lending partners to process your information solely for purposes related to providing, improving, administering, securing, or supporting the Services.
For user convenience, the Platform may occasionally contain hyperlinks, advertisements, payment gateways, software integrations, or references directing users to third-party websites, mobile applications, or external services.
These third-party services operate independently of Hyper Finance.
Unless expressly stated otherwise, Hyper Finance does not own, operate, supervise, or control such external platforms and assumes no responsibility for:
The inclusion of any external link, advertisement, or reference does not constitute an endorsement, recommendation, partnership, or guarantee by Hyper Finance.
Users access third-party services entirely at their own discretion and are encouraged to review the applicable terms and privacy policies before providing personal information or completing any transaction.
Hyper Finance welcomes comments, suggestions, recommendations, reviews, feature requests, and other feedback intended to improve our Services.
By voluntarily submitting any feedback, ideas, proposals, comments, survey responses, or other non-confidential materials through the Platform, email, customer support channels, social media, or any other communication method, you grant Hyper Finance a perpetual, worldwide, royalty-free, irrevocable, transferable, sublicensable, and non-exclusive right to use, reproduce, modify, publish, distribute, translate, display, adapt, or otherwise utilize such materials for lawful business purposes.
Unless otherwise required by applicable law, Hyper Finance shall have no obligation to:
You further represent and warrant that any content submitted by you:
You remain solely responsible for the legality, authenticity, and consequences of the materials you submit.
Hyper Finance reserves the right, but assumes no obligation, to review, remove, reject, or edit user-submitted content where necessary to protect the Platform, comply with applicable laws, or safeguard the interests of users and business partners.
In addition, Hyper Finance may collect and use aggregated, anonymized, or non-personally identifiable information generated through users' interactions with the Services for analytics, research, product development, service improvement, operational management, and other legitimate business purposes.
Hyper Finance is committed to providing users with a reliable and secure digital financial platform. However, all Services, software, content, and functionalities available through the Platform are provided on an "as available" and "as is" basis unless otherwise expressly stated.
To the maximum extent permitted by applicable law, Hyper Finance makes no representations or warranties, whether express, implied, statutory, or otherwise, regarding the operation or availability of the Platform.
Without limitation, Hyper Finance does not warrant or guarantee that:
Users acknowledge that access to internet services, mobile networks, banking systems, payment infrastructure, government databases, and third-party service providers may affect the availability and performance of the Platform.
Accordingly, users assume full responsibility for their decision to access and use the Services.
To the fullest extent permitted by law, neither Hyper Finance nor its shareholders, directors, officers, employees, affiliates, agents, contractors, licensors, service providers, or lending partners shall be liable for any direct, indirect, incidental, consequential, special, punitive, exemplary, or economic damages arising out of or relating to:
This limitation shall apply regardless of the legal theory upon which any claim is based, including contract, tort, negligence, strict liability, statutory liability, or otherwise, even where Hyper Finance has been advised of the possibility of such damages.
By registering an account or otherwise using Hyper Finance, you consent to receive communications relating to your account, loan applications, repayments, customer support requests, security notifications, service updates, promotional information, and other operational matters.
Communications may be delivered through one or more of the following methods:
Where permitted by law, certain communications may be recorded for quality assurance, dispute resolution, fraud prevention, training, regulatory compliance, or customer service improvement purposes.
You are responsible for ensuring that your contact information remains accurate and current. Hyper Finance shall not be responsible for any consequences resulting from outdated or incorrect contact details provided by you.
These Terms create rights and obligations solely between you and Hyper Finance.
You may not assign, transfer, delegate, sublicense, or otherwise dispose of any rights or obligations arising under these Terms without obtaining our prior written consent.
Any attempted transfer in violation of this provision shall be deemed invalid to the fullest extent permitted by law.
Hyper Finance may assign, transfer, delegate, subcontract, or otherwise dispose of any of its rights or obligations under these Terms to an affiliated company, successor entity, lender, service provider, or other authorized party without requiring prior notice or additional consent from users.
Such assignment shall not affect the validity or enforceability of these Terms.
These Terms of Service shall be governed by and interpreted exclusively in accordance with the laws of the Republic of India, without regard to any conflict of law principles.
Before initiating formal legal proceedings, users are encouraged to contact Hyper Finance so that both parties may attempt to resolve any dispute through good-faith discussions.
Where a dispute cannot be resolved through mutual consultation, either party may pursue any remedy available under applicable Indian law.
Unless otherwise required by applicable legislation or agreed in writing, all disputes arising out of or relating to these Terms, the Platform, or the Services shall be subject to the jurisdiction of the competent courts and authorities in India.
To the extent permitted by applicable law, the prevailing party in any legal proceeding may seek recovery of reasonable legal costs, court fees, attorney fees, and other litigation expenses awarded by the competent authority.
Hyper Finance values user feedback and is committed to handling complaints in a fair, timely, and professional manner.
If you have any questions regarding the Platform, wish to submit suggestions, report technical issues, raise concerns regarding your account, or file a formal complaint, you may contact us using the following information:
Postal Address
DOOR167 3RD FLOOR 37TH CROSS 28TH MAIN,
9TH BLOCK JAYANAGAR, RAMAKRISHNA PHARMA,
BENGALORE, Bangalore, Karnataka, India, 560009
Email
help@stackfin.cc
Upon receiving your inquiry, Hyper Finance will make reasonable efforts to review and respond within an appropriate period, subject to the nature and complexity of the matter.
Additional information or identity verification may be requested where necessary to investigate or resolve a complaint.
If any provision of these Terms is determined by a court or competent authority to be unlawful, invalid, or unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remaining provisions shall continue in full force and effect without being affected.
The invalidity of one provision shall not impair the validity or enforceability of any other provision contained in these Terms.
These Terms of Service, together with the Privacy Policy and any additional agreements or notices expressly incorporated by reference, constitute the complete and exclusive agreement between you and Hyper Finance regarding your access to and use of the Platform.
They supersede all prior communications, discussions, representations, understandings, or agreements relating to the same subject matter, whether oral or written.
By continuing to access or use the Services, you confirm that you have carefully read these Terms, understand your rights and responsibilities, and voluntarily agree to be legally bound by all provisions contained herein.