1. INTRODUCTION
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2. NATURE OF GOODCAP'S SERVICES
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3. MEMBERSHIP
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4. MEMBERSHIP FEES
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5. NO GUARANTEE OF LOAN APPROVAL
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6. CUSTOMER INFORMATION AND DOCUMENTS
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7. USE OF CUSTOMER DOCUMENTS
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8. OTP AND PAYMENT SECURITY
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9. APPLICATION PROCESS
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10. MULTIPLE LENDING PARTNERS
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11. PRE-APPROVAL AND ELIGIBILITY
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12. LOAN PROCESSING TIME
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13. BANK / NBFC / THIRD-PARTY CHARGES
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14. REFUND AND CANCELLATION
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15. CUSTOMER CANCELLATION
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16. CUSTOMER COMMUNICATION
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17. EMPLOYEE AND TELECALLER REPRESENTATIONS
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18. CUSTOMER RESPONSIBILITIES
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19. CREDIT INFORMATION
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20. REJECTION OF APPLICATION
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21. RE-APPLICATION
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22. MEMBERSHIP AFTER LOAN REJECTION
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23. PAYMENT PROCESSING
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24. CHARGEBACKS AND PAYMENT DISPUTES
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25. DATA PRIVACY
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26. INFORMATION SECURITY
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27. RECORDING OF COMMUNICATIONS
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28. MARKETING AND ADVERTISING
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29. USE OF THIRD-PARTY CONTENT
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30. BANK AND LENDING PARTNER LOGOS
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31. THIRD-PARTY SERVICE PROVIDERS
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32. FRAUD PREVENTION
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33. INTELLECTUAL PROPERTY
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34. CONFIDENTIALITY
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35. CUSTOMER TESTIMONIALS
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36. REFERRAL PROGRAMME
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37. REFERRAL PAYOUT
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38. REFERRAL PARTNER CONDUCT
Section 38 (intro + 8 bullets + closing) — existing text from the current page, unchanged.
39. EMPLOYEE / INTERNAL USER TERMS
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40. FINCAP CAPITAL CRM APPLICATION
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41. CRM ACCOUNT DELETION
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42. SYSTEM AVAILABILITY
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43. CUSTOMER GRIEVANCE PROCESS
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44. DISPUTE RESOLUTION
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45. LIMITATION OF RESPONSIBILITY
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46. FORCE MAJEURE
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47. MODIFICATION OF TERMS
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48. SEVERABILITY
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49. NO WAIVER
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50. ENTIRE AGREEMENT
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51. GOVERNING LAW
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52. CUSTOMER ACKNOWLEDGEMENT
Section 52 (intro + 11 bullets) — existing text from the current page, unchanged.
53. CONTACT INFORMATION
Section 53 (contact details) — existing text from the current page, unchanged.
54. IMPORTANT CUSTOMER SAFETY NOTICE
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