Legal

Terms & Conditions

Last updated: 26 September 2026

Welcome to flowcapital (“flowcapital”, “we”, “us”, or “our”). These Terms explain the rules for using our website, digital platforms, and the financial services we offer. Applications are taken on our product, Kivo Credit. By browsing, signing up, applying, or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.

1. About flowcapital

flowcapital is a technology-driven financial services company focused on making financial products easier to access digitally. Depending on the product, we may provide it directly or through a lending partner. If a partner provides the loan, that lender’s loan agreement and Key Fact Statement govern the specifics.

2. Who can use the Services

• Be at least 18, or the higher minimum age that applies to the product.
• Be legally able to enter a contract.
• Give valid identity and contact details, and accurate employment and income information where needed.
• Have a working bank account where required, and complete KYC.
• Meet the credit and risk criteria that apply.

Meeting these points lets you apply. It does not guarantee approval.

3. Information you share

You agree to give accurate, complete, and current information, including name, mobile, email, date of birth, address, PAN and other ID, employment and income, bank details, and anything else needed for verification. False, misleading, or incomplete information may lead to rejection, suspension, or other action allowed by law.

4. Applying

Submitting an application or enquiry is not an offer of credit. Applications may go through KYC, identity, income and employment checks, credit assessment, fraud and risk checks, our eligibility rules, the lending partner’s policies, and legal requirements. The lender decides independently whether to approve or decline.

5. Loan terms

If a loan is approved, the documents cover the amount, interest rate, APR where it applies, fees, tenure, EMI, due dates, penalties, prepayment or foreclosure rules, and other charges. Read the Key Fact Statement, sanction letter, and loan agreement before you accept. If the website and your signed documents differ, the signed documents prevail.

6. Interest, fees, and credit checks

Rates and fees vary by product, profile, and lender, and are set out in the product details, KFS, sanction letter, or agreement. With proper consent, we or our partners may verify information through credit bureaus and other lawful sources. Your credit history can affect the assessment.

7. Repayment

• Pay each instalment on or before its due date.
• Keep enough balance if auto-debit is set up.
• Give accurate bank and contact details.
• Tell the lender about major changes when required.

Missing payments can lead to extra charges and may affect your credit history.

8. If repayments are missed

The lender may take recovery action allowed by the loan agreement and the law. Recovery by us, our partners, or authorised agents must follow legal and regulatory rules. These Terms do not allow harassment, intimidation, or unlawful recovery.

9. Paying off a loan early

You may be able to prepay or foreclose, depending on the product and agreement. Conditions and charges are in the loan documents. For a specific request, contact the lender or our support team.

10. Using the website responsibly

Use the website and Services only for lawful purposes. Do not use them for fraud, give false information, pretend to be someone else, break into systems, disrupt security, introduce harmful code, copy or scrape content without permission, reverse-engineer the technology, or use bots in a way that disrupts the platform. We may restrict or suspend access if we see misuse.

11. Messages we send

You agree to receive electronic communications where the law allows, including application updates, transaction alerts, service and security notices, and support messages, by SMS, email, phone, WhatsApp, or other authorised channels. Marketing is sent only where the law and your consent allow it. You can unsubscribe from marketing. Essential service messages may continue.

12. Privacy, cookies, and other websites

Our Privacy Policy describes how we collect and use personal, financial, employment, and device information, and when we share it with service providers, lending partners, credit bureaus, and authorities. The site uses cookies to run, remember preferences, measure performance, and support marketing where allowed. Links to other sites, including Kivo Credit, are outside our control and have their own terms.

13. Intellectual property

Logos, brand name, text, graphics, designs, software, content, trademarks, and layouts belong to flowcapital or our licensors. You may not copy, distribute, modify, publish, or sell them for commercial use without written permission, except where the law allows.

14. Availability and approval

We try to keep the Services reliable. Maintenance, outages, banking problems, and events outside our control can interrupt them. We may modify, pause, or discontinue parts of the Services when reasonably necessary. Using the platform does not guarantee approval, a specific amount, rate, tenure, or disbursal. The final decision rests on eligibility, verification, credit checks, and the lender’s policies.

15. Your responsibilities

Keep account information private, give accurate details, update your contact information, protect OTPs and passwords, read loan documents before you agree, pay on time, and tell us or the lender if something looks suspicious. Never share OTPs, passwords, or login details with someone you do not know. flowcapital does not authorise anyone to collect payments while pretending to represent us. Use only official payment channels. If something looks fraudulent, contact us and, if needed, your bank.

16. Liability

To the extent the law allows, flowcapital is not responsible for losses caused by things beyond our reasonable control, including third-party failures, banking or telecom disruption, wrong information you gave us, or unauthorised access caused by unprotected credentials. Nothing here removes liability that the law does not allow us to exclude. To the extent the law allows, you agree to cover flowcapital, our team, and our partners for claims that come from breaking these Terms, fraud, false information, negligent misuse of an account, or violating someone else’s rights.

17. Suspending access

We may pause or end access if you break these Terms, if we suspect fraud or misuse, if information is false, if there is a security risk, or if the law requires it. Ending access does not cancel obligations you already have, including repayment of a loan you have taken.

18. Changes, complaints, and law

We may update these Terms and will change the date at the top when we do. For a concern about our Services, contact the Grievance Redressal Officer. If the complaint is about a loan the lender controls, you may also need to use the channel in your KFS and loan agreement.

• Grievance Officer: [Name]
• Email: [Grievance email address]
• Phone: [Phone number]
• Address: [Registered or corporate address]

These Terms are governed by the laws of India. Disputes fall under the courts and authorities that lawfully apply, without taking away statutory remedies you are entitled to as a customer.

19. Contact

• flowcapital
• Website: [Insert website]
• Email: [Insert support email]
• Phone: [Insert support number]
• Registered office: [Insert registered office address]

Making credit simpler. Building financial confidence.