Effective Date: 26 August 2026
Last Updated: 26 August 2026

Welcome to HMD FINCO & TECHNOLOGIES PRIVATE LIMITED.

These Terms & Conditions (“Terms”, “Terms and Conditions”, or “Agreement”) govern your access to and use of the website https://hmdfinco.com/ (the “Website”) and any information, content, products, technology, or services made available through the Website by HMD FINCO & TECHNOLOGIES PRIVATE LIMITED (“HMD Finco”, “Company”, “we”, “us”, or “our”).

By accessing, browsing, or using the Website, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

If you do not agree with these Terms, please do not use the Website.

1. About HMD Finco

HMD FINCO & TECHNOLOGIES PRIVATE LIMITED is a company incorporated under the Companies Act, 2013.

Legal Name: HMD FINCO & TECHNOLOGIES PRIVATE LIMITED
CIN: U66190RJ2026PTC111030
Date of Incorporation: 28 January 2026
Registered/Mailing Address: Plot No. 781, II FLR, Arihand Plaza, Shastri Nag, Kota, Rajasthan – 324009, India

The above corporate information is based on the Company’s Certificate of Incorporation issued by the Ministry of Corporate Affairs, Government of India.

Website: https://hmdfinco.com/
Email: info@hmdfinco.com
Support Email: support@hmdfinco.com
Phone: +91 96029 53411

2. Acceptance of Terms

By accessing or using the Website, you confirm that:

You have the legal capacity to enter into these Terms;
The information you provide to us is accurate and complete;
You will use the Website only for lawful purposes;
You will comply with these Terms and all applicable laws and regulations;
You will not use the Website in a manner that could damage, disable, overburden, or impair our systems or interfere with other users.

If you are accessing the Website or communicating with us on behalf of a company, organisation, merchant, or other legal entity, you represent that you have the authority to bind that entity to these Terms.

3. Nature of Our Services

HMD Finco operates as a technology and financial-infrastructure company.

The Website may provide information about our technology, products, solutions, integrations, payment infrastructure, business services, and related offerings.

Depending on the product or arrangement, HMD Finco may work with banks, payment aggregators, payment service providers, technology providers, merchants, businesses, and other third parties.

Unless expressly stated otherwise in a separate written agreement:

HMD Finco is not a bank and does not itself provide banking services.

HMD Finco does not itself hold customer funds merely by providing technology or infrastructure services.

Payment processing, settlement, banking, or regulated payment activities may be performed by appropriately authorised or regulated third-party institutions or service providers.

The availability and functionality of any particular service may depend on the relevant third-party provider, applicable regulations, technical integrations, and contractual arrangements.

4. Website Use

You may use the Website for legitimate purposes, including:

Learning about HMD Finco and its services;
Contacting us for business enquiries;
Requesting information about our products or solutions;
Exploring partnership opportunities;
Communicating with our team;
Accessing publicly available content and resources.

You must not use the Website:

For any unlawful purpose;
To violate any applicable law or regulation;
To impersonate another person or entity;
To submit false or misleading information;
To attempt unauthorised access to our systems;
To interfere with the Website or its infrastructure;
To introduce viruses, malware, malicious code, or harmful software;
To conduct fraudulent or deceptive activities;
To scrape, copy, reproduce, or systematically extract Website content without permission;
To attempt to reverse engineer, decompile, or otherwise interfere with our technology;
To use the Website to infringe the rights of HMD Finco or any third party.

We reserve the right to restrict or terminate access to the Website where we reasonably believe that these Terms have been violated.

5. Business Enquiries

The Website may allow you to submit enquiries regarding our products, services, partnerships, integrations, or other business opportunities.

When submitting an enquiry, you agree to provide accurate and complete information.

Submitting an enquiry does not create:

A contractual relationship;
A customer relationship;
A partnership;
A payment-processing relationship; or
Any obligation on HMD Finco to provide services.

A contractual relationship will arise only when the relevant parties enter into a separate agreement or otherwise establish a legally binding arrangement.

6. Product and Service Information

We make reasonable efforts to ensure that information published on the Website is accurate and current.

However, Website content may include general descriptions, technical information, illustrations, estimates, or other information that may change over time.

Accordingly:

Information on the Website is provided for general informational purposes;
Product features may change;
Service availability may vary;
Integrations may depend on third-party providers;
Pricing or commercial terms may be communicated separately;
Specific services may be subject to separate agreements.

The Website should not be treated as a substitute for a formal proposal, commercial agreement, service-level agreement, or other written contract.

7. Third-Party Services

Our services may integrate with or depend upon third-party providers, including:

Banks;
Payment aggregators;
Payment gateways;
Payment service providers;
Cloud infrastructure providers;
Technology providers;
Communication providers;
Analytics providers;
Security providers; and
Other third-party service providers.

Third-party services may be subject to separate terms and conditions.

HMD Finco is not responsible for the independent terms, policies, availability, performance, or actions of third-party providers except to the extent required by applicable law or expressly agreed in writing.

Where a third-party provider is responsible for processing a transaction or providing a regulated service, the terms and policies of that provider may also apply.

8. Payments and Transactions

Where the Website or our technology facilitates access to payment-related functionality, the actual processing of a payment may be carried out by a third-party bank, payment aggregator, payment gateway, or other authorised service provider, as applicable.

HMD Finco does not guarantee that every payment or transaction will be successfully processed.

Transactions may be declined, delayed, reversed, suspended, or otherwise affected due to circumstances including:

Bank or payment-provider policies;
Technical failures;
Network interruptions;
Security checks;
Fraud-prevention measures;
Regulatory requirements;
Incorrect information;
Insufficient funds;
Payment-method restrictions;
System maintenance; or
Other circumstances outside our reasonable control.

Any refund, chargeback, settlement, or transaction dispute may be governed by the applicable agreement and the policies of the relevant payment provider.

9. No Financial or Investment Advice

Nothing on the Website constitutes:

Financial advice;
Investment advice;
Banking advice;
Legal advice;
Tax advice;
Accounting advice; or
Any recommendation to enter into a financial transaction.

Information published on the Website is provided for general informational and technology-related purposes.

You should obtain appropriate professional advice before making financial, investment, legal, tax, or business decisions.

10. Intellectual Property Rights

Unless otherwise stated, all content on the Website is owned by or licensed to HMD Finco.

This includes, without limitation:

Company name;
Logos;
Trademarks;
Service names;
Website design;
Text;
Graphics;
Images;
Videos;
Software;
Source code;
Interface elements;
Documentation;
Content;
Layout;
Branding; and
Other intellectual property.

All rights are reserved.

You may view and use Website content for legitimate personal or internal business purposes.

You may not, without our prior written permission:

Copy substantial portions of the Website;
Reproduce our branding;
Modify our content;
Distribute our content commercially;
Create derivative works;
Reverse engineer our software;
Use our trademarks or logos;
Republish Website content; or
Exploit Website content for commercial purposes.

11. Trademarks

“HMD Finco”, “HMD FINCO & TECHNOLOGIES PRIVATE LIMITED”, our logos, product names, service names, and other marks displayed on the Website may constitute trademarks or other intellectual property of HMD Finco or its respective owners.

Nothing in these Terms grants you any licence or right to use such trademarks without prior written permission.

12. User-Submitted Information

If you submit information, comments, suggestions, feedback, or other material through the Website, you represent that:

The information is accurate to the best of your knowledge;
You have the right to provide the information;
The information does not violate any applicable law;
The information does not infringe the rights of another person or entity;
The information does not contain malicious code.

You remain responsible for information that you submit to us.

We may use feedback and suggestions provided by you for legitimate business purposes, including improving our products and services, without creating an obligation to compensate you unless separately agreed in writing.

13. Privacy

Your use of the Website is also subject to our Privacy Policy.

Our Privacy Policy explains how we collect, use, process, store, disclose, and protect personal information.

By using the Website, you acknowledge that you have read and understood the Privacy Policy.

14. Website Availability

We aim to keep the Website available and functioning properly.

However, we do not guarantee that the Website will:

Always be available;
Operate without interruption;
Be free from errors;
Be completely secure;
Be compatible with every device or browser;
Be free from viruses or other harmful components.

The Website may occasionally be unavailable because of:

Maintenance;
Updates;
Technical issues;
Security incidents;
Network problems;
Hosting failures;
Third-party service failures;
Force majeure events; or
Other circumstances beyond our reasonable control.

15. Security

You must not attempt to bypass, disable, interfere with, or circumvent any security mechanism used by the Website.

You must not:

Attempt unauthorised access;
Conduct vulnerability exploitation;
Perform denial-of-service attacks;
Introduce malicious software;
Access restricted areas;
Attempt to obtain another user’s credentials;
Interfere with Website infrastructure.

Any suspected security vulnerability should be reported to us promptly through our official contact channels.

16. Third-Party Links

The Website may contain links to third-party websites, applications, services, or resources.

These links are provided for convenience and informational purposes.

HMD Finco does not necessarily endorse or control third-party websites.

We are not responsible for:

Their content;
Availability;
Security;
Privacy practices;
Terms and conditions;
Products or services; or
Any loss arising from your use of those third-party websites.

You access third-party websites at your own risk.

17. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis.

HMD Finco does not make warranties or representations that:

The Website will always be available;
Information will always be complete or accurate;
Services will always meet your requirements;
The Website will operate without interruption;
Errors will always be corrected;
The Website will be free from harmful components; or
Third-party services will always be available or operate without interruption.

Nothing in these Terms excludes any warranty or protection that cannot lawfully be excluded under applicable law.

18. Limitation of Liability

To the maximum extent permitted by applicable law, HMD Finco and its directors, officers, employees, affiliates, contractors, and service providers shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of the Website.

This may include, without limitation:

Loss of profits;
Loss of revenue;
Loss of business opportunities;
Loss of data;
Business interruption;
Loss arising from third-party services;
Technical failures; or
Unauthorised access caused by circumstances beyond our reasonable control.

Nothing in these Terms shall exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

Where permitted by law, our aggregate liability arising from your use of the Website shall be limited to the amount, if any, actually paid by you to HMD Finco specifically for the relevant service giving rise to the claim during the applicable period.

Where no amount has been paid by you to HMD Finco for the relevant service, our liability shall be limited to the maximum extent permitted by applicable law.

19. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless HMD Finco, its directors, officers, employees, affiliates, contractors, and representatives from claims, liabilities, damages, losses, costs, and expenses arising from:

Your violation of these Terms;
Your unlawful use of the Website;
Your violation of another person’s rights;
Information or content submitted by you;
Fraudulent or unauthorised activity conducted by you; or
Your violation of applicable laws or regulations.

This provision does not apply to the extent that the relevant claim results from HMD Finco’s own wilful misconduct or liability that cannot legally be excluded.

20. Suspension and Termination

We may suspend or restrict your access to the Website where reasonably necessary, including if:

You breach these Terms;
You engage in fraudulent or unlawful activity;
Your conduct creates a security risk;
Your conduct may harm HMD Finco or another person;
Access is required to be restricted by law; or
We discontinue or materially change the Website.

We may also discontinue or modify Website functionality at any time.

Termination or suspension will not affect provisions that are intended to survive termination, including provisions concerning intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution.

21. Compliance with Laws

You agree to comply with all applicable laws and regulations when accessing or using the Website.

You must not use our Website or services for:

Fraud;
Money laundering;
Terrorist financing;
Sanctions evasion;
Unauthorised financial activity;
Identity theft;
Cybercrime;
Illegal transactions;
Misrepresentation; or
Any other unlawful activity.

Where required by law or regulation, HMD Finco may suspend, restrict, or report activity to the appropriate authority.

22. Regulatory Compliance

HMD Finco may operate in technology and financial-infrastructure environments that are subject to applicable Indian laws, regulations, regulatory directions, and requirements.

Where services involve regulated activities performed by banks, payment aggregators, payment system operators, or other regulated entities, those services may be subject to the requirements and terms applicable to the relevant regulated entity.

Nothing on this Website should be interpreted as HMD Finco representing that it holds any regulatory licence, authorisation, approval, or registration that it does not expressly state it holds.

23. Confidentiality

Information exchanged between HMD Finco and a customer, merchant, partner, or other business entity may be subject to a separate confidentiality or non-disclosure agreement.

Unless otherwise agreed in writing, these Website Terms do not themselves create a separate confidentiality obligation regarding information voluntarily submitted through general Website forms.

Personal information is handled in accordance with our Privacy Policy.

24. Force Majeure

HMD Finco shall not be responsible for delays, interruptions, or failure to perform caused by circumstances beyond our reasonable control.

Such circumstances may include:

Natural disasters;
Fire;
Flood;
Earthquake;
Epidemics or pandemics;
War;
Terrorism;
Civil unrest;
Government action;
Regulatory restrictions;
Internet or telecommunications failures;
Power failures;
Cybersecurity incidents;
Third-party service outages;
Banking or payment-network disruptions; or
Other events beyond our reasonable control.

We will take reasonable steps to restore affected services when practicable.

25. Changes to These Terms

We may modify these Terms from time to time.

Changes may be made to reflect:

Changes in our business;
New products or services;
Changes to Website functionality;
Changes in technology;
Legal or regulatory developments;
Security requirements; or
Other operational requirements.

The updated Terms will be published on the Website with a revised “Last Updated” date.

Your continued use of the Website after updated Terms become effective constitutes acceptance of the updated Terms, to the extent permitted by applicable law.

26. Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary to make it enforceable.

The remaining provisions shall continue in full force and effect.

27. Waiver

Failure by HMD Finco to enforce any provision of these Terms shall not constitute a waiver of our right to enforce that provision later.

Any waiver must be made expressly and in writing where required.

28. Entire Agreement

These Terms, together with the Privacy Policy and any other policies or agreements expressly incorporated by reference, constitute the terms governing your use of the Website.

Where you enter into a separate written agreement with HMD Finco for specific products or services, that agreement shall govern the relevant services to the extent of any conflict with these Website Terms.

29. Assignment

You may not transfer or assign your rights or obligations under these Terms without our prior written consent, except where permitted by applicable law.

HMD Finco may assign or transfer its rights and obligations in connection with a merger, restructuring, acquisition, sale of assets, or other corporate transaction.

30. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of India.

Subject to applicable law, disputes arising from or relating to these Terms or your use of the Website shall be subject to the jurisdiction of the competent courts in Kota, Rajasthan, India.

Nothing in this section shall prevent a party from seeking urgent or interim relief from a court having appropriate jurisdiction.

31. Electronic Communications

When you communicate with HMD Finco electronically, including by email, Website forms, or other electronic means, you consent to receive communications electronically where permitted by law.

You agree that electronic records and communications may satisfy legal requirements for written communications where applicable.

The Information Technology Act, 2000 provides legal recognition to electronic records and electronic communications in India.

32. Contact Us

If you have any questions, concerns, complaints, or requests relating to these Terms, please contact us.

HMD FINCO & TECHNOLOGIES PRIVATE LIMITED

CIN: U66190RJ2026PTC111030

Registered/Mailing Address:
Plot No. 781, II FLR, Arihand Plaza, Shastri Nag, Kota, Rajasthan – 324009, India

Website:
https://hmdfinco.com/

Email:
info@hmdfinco.com

Support Email:
support@hmdfinco.com

Phone:
+91 96029 53411

33. Acknowledgement

By accessing or using https://hmdfinco.com/, you acknowledge that:

You have read these Terms & Conditions;
You understand these Terms;
You agree to comply with these Terms;
You will use the Website only for lawful purposes; and
You understand that certain products and services may be subject to separate agreements and third-party terms.

If you do not agree with these Terms, you should discontinue use of the Website.

HMD FINCO & TECHNOLOGIES PRIVATE LIMITED

CIN: U66190RJ2026PTC111030
Registered Office: Plot No. 781, II FLR, Arihand Plaza, Shastri Nag, Kota, Rajasthan – 324009, India
Website: https://hmdfinco.com/
Email: info@hmdfinco.com
Support: support@hmdfinco.com
Phone: +91 96029 53411