Terms of use

The information accessible on or from and the use of Goodwin Financial Holdings Private Limited (GFL) website (www.goodwinfinance.com) will be governed by the following terms and conditions. We request you to read the same before accessing anything on this site and in case you disagree with any of the terms of use, then we request you not to use this site, or any pages thereof.

The product information, including the scopes of cover, terms, conditions, exclusions and limitations, available on the Web Site is not intended to be exhaustive and is indicative in nature.

The Web Site may contain links to other websites, web-pages and services also operated by other entities or companies, and your use of such Sites is also subject to the Terms and Conditions and other terms and guidelines, if any, contained within such given Site. Goodwin disclaims all liability for the content and/or materials available on such other sites.

You should assume that everything you see or read on the Web Site (including but not limited to directories, guides, news articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clips, video clips, trademarks, service marks and the like) is copyrighted/ protected by intellectual property laws unless otherwise noted and may not be used except as provided in these Terms and Conditions, or in the text on the Web Site, without the prior written permission of Goodwin, neither warrants nor represents that your use of materials displayed on the Web Site will not infringe patent, copyright or any intellectual property rights or any other rights of third parties not owned by it.

In no event will Goodwin be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or
All information submitted to Goodwin via this site shall be deemed and remain the property of Goodwin and Goodwin shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information given by any visitor to this site provides Goodwin through this site. Goodwin shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by Goodwin having direct customer relationship or as otherwise specifically agreed or required by law.
Goodwin may collect the information you provide when you
  • Request information from Goodwin Web site.
  • Apply online for loans.
  • Subscribe to online services.
  • Complete an online form.
  • Conduct transactions online.
We collect contact information such as your name, address, and email address and other details as given in the registration page of our website. If you apply for a loan from us we will collect financial information such as credit / debit card number and expiration date through the payment gateway of the credit/debit card company or the Internet banking service of your bank. We store this information for our records and in order to verify authenticity of the same. We also collect information such as beneficiary name, address and your relationship to the beneficiary take a loan with us. This is required to maintain a record of your beneficiary details for your loan with us. Use of your personal information:
We will use the information primarily for the following purposes:
  • Providing customization: We may use the information provided by you to customize your visit to the Web Site by displaying appropriate content at our judgment and discretion.
  • To send you information about services offered by Goodwin. In event you do not wish to receive such information, you may unsubscribe to the facility in the email message received by you.
  • To contact you for reminder notices, claims processing and to keep you updated on the investor sector and Goodwin through our newsletters.
Acceptance of the Terms By accessing the Web Site, the Visitor acknowledges and accepts these Terms and Conditions.
The availability of the information and guidance as part the Web Site does not constitute a recommendation by Goodwin. Any decisions will be based solely on the Visitor's own evaluation of the loans of Goodwin and his/her need for the same. While adequate care would be taken to ensure completeness, accuracy etc of the information/services provided, neither Goodwin nor any of their personnel shall in any circumstance be liable for any loss or damage caused by a Visitor's reliance on information obtained through the Web Site. It is the sole responsibility of the Visitor to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Web Site and the Visitor should consult his/its own legal counsel, business Advisor and tax Advisor as to the legal, business, tax and related matters concerning any loans with respect to which guidance is sought or given.
In respect of any transactions which may be permitted by Goodwin from time to time, Goodwin's own records of such transactions, maintained through computer systems or otherwise, shall be accepted as conclusive and binding for all purposes. More particularly, the record of Goodwin generated by the transaction(s), including the recording of the time of the transaction(s), shall be conclusive proof of the genuineness and accuracy of such transactions.
The Website is deemed to be in use when it is loaded in temporary or permanent memory of your computer.
You agree to use the Web Site strictly for your personal use. You agree not to use this Web Site for any illegal purpose or in any manner inconsistent with these Terms and Conditions. You agree not to use, transfer, distribute or dispose of any information contained in the Web Site in any manner that could compete with the business of Goodwin or otherwise compromise or imperil the interests of Goodwin. You acknowledge that the Web Site has been developed, compiled, prepared, revised, selected and arranged by Goodwin and others (including certain other information sources) through the application of methods and standards of judgement developed and applied through the expenditure of substantial time, effort and money and constitutes valuable intellectual property and may also include trade secrets of Goodwin and such others. You agree to protect the proprietary rights of Goodwin and all others having rights in the Web Site or its content during and after the term of this agreement and to comply with all reasonable written requests made by Goodwin or its suppliers of content, equipment or otherwise to protect their and others'''' contractual, statutory and common law rights in the Web Site. You agree to notify Goodwin in writing promptly upon becoming aware of any unauthorized access or use of the Web Site by any party or of any claim that the Web Site infringes upon any copyright, trademark or other contractual, statutory or common law rights. You may download and retrieve data from the Web Site on your computer screen, print individual pages on paper, photocopy and store such pages in an electronic form on disk (but not on any server or other storage device connected to a network) for your exclusive personal use only. You further acknowledge that all the intellectual property in the Web Site continues to vest with us.

Reverse engineer, decompile, disassemble, copy, reproduce, distribute, modify, transmit, perform, reproduce, publish or create derivative works from or in any way exploit any of the services or content in violation of the Terms and Conditions or the laws of any country. Rent, lease, sell, sublicense, or lend your access to the Web Site. Cache or permit caching by any person. Do any act that violates our intellectual property in the Website.

Engage in any fraudulent, abusive or illegal activity, including but not limited to any communication or solicitation designed or intended to fraudulently obtain the password or any private information of any use.

Use the Web Site to violate the security of any computer network, crack pass words or security encryption codes, transfer or store illegal material including threatening or obscene material or engage in any kind of illegal activity.

Run mail list or any form of auto-responder, or spam on the Web Site or any processes that are run or are activated while you are not logged on.

Although Goodwin may, from time to time, monitor or review any facilities, if established or otherwise offered at the Web Site for discussions, chats, postings, transmissions, bulletin boards, and the like on the Website, Goodwin is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information contained within such locations on the Web Site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. Goodwin will fully cooperate with any law enforcement authorities or court order requesting or directing Goodwin to disclose the identity of anyone posting any such information or materials.

We reserve the right to deny to you, at our sole discretion, access to the Web Site, including any portion thereof, without any prior notice.
We grant you the right to access this Web Site in accordance with these terms and conditions, and for no other purpose. Please note that the services and content on the Web Site, including but not limited to text, content, photographs, video, audio and graphics, are either the property of, or used with permission by, Goodwin and may be protected by applicable copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of India and other countries. The trademarks, logos, slogans and service marks (collectively the "Trademarks") displayed on the Web Site, are registered and unregistered Trademarks of Goodwin and others. Nothing contained on the Web Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Web Site without the written permission of Goodwin or such third party that may own the Trademarks displayed on the Web Site. Your misuse of the Trademarks displayed on the Web Site, or any other content on the Web Site, except as provided in these Terms and Conditions, is strictly prohibited. You are also advised that Goodwin will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution. We shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary), over and above all other remedies available to us, to protect our interests therein.
Software or information (if any) that is made available to download from this Web Site ("Software") is the copyrighted work of Goodwin and/or its suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included in the Software. You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.
You agree, at your own expense, to indemnify, defend and hold harmless Goodwin, its directors and employees, representatives, suppliers and Advisors, against any claim, suit, action or other proceeding brought against Goodwin, its directors and employees, representatives, suppliers and as by a third party, to the extent that such claim, suit, action or other proceeding brought against Goodwin, its directors and employees, representatives, suppliers and Advisors is based on or arises in connection with the use of this Web Site, or any links therein, including, but not limited to:
  • Your use or someone else's use of your access to the Web Site Your use/operation or someone using/operating or conducting any transactions, where applicable
  • A violation of the terms and conditions contained herein by you or anyone using your or any other computer.
  • A claim that any use of the Web Site by you or someone using your computer infringes any Intellectual Property Right of any third party, or any right of personality or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party.
  • Any deletions, additions, insertions or alterations to, or any unauthorized use of, the Web Site by you or someone using your computer
  • Any misrepresentation or breach of representation or warranty contained herein made by you or
  • Any breach of any covenant or agreement to be performed by you hereunder.
You agree to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorney's fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.
You expressly agree that use of the Web Site is at your sole risk. The Web Site is provided on an "AS IS" and " AS AVAILABLE" basis.
Except as warranted in these Terms and Conditions, we expressly disclaim all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy & completeness, and any warranties relating to non-infringement.
We shall not be responsible or liable for the authenticity, accuracy, completeness, errors, omission, typographic errors, disruption, delay, interruption, failure, deletion, defect of any information, research, reports, analysis, quotes etc in this Web Site or any part thereof.
We shall not incur any liability direct or indirect, to you or any third party, as a consequence of non-functioning of any equipment belonging to you, any third party or us. We shall not be responsible for any downtime of such equipment.
We do not warrant that access to the Web Site will be uninterrupted, timely, secure, or error free; nor do we make any warranty as to the results that may be obtained from the Web Site or as to the accuracy or reliability of the content contained therein.
We make no warranty regarding the transactions entered into through the Web Site. No advice or information, whether oral or written, obtained by you from or through the Web Site or any person shall create any warranty not expressly stated herein.
We shall not be liable for any action taken by you based on or relying on the information provided in or by the Web Site.
We will not be liable for any virus that may enter your system as a result of you using the Web Site. We make no guarantees to you or third parties that the content contained on the Web Site would be virus free. We will not be liable for any direct, incidental or consequential loss, which may be caused to you as a result of your use of the Web Site.
If you are dissatisfied with any portion of this Web Site or with any of these Terms and Conditions, your sole and exclusive remedy is to discontinue using the Web Site.

Under no circumstances, including but not limited to negligence, shall Goodwin, its employees and directors, its suppliers and its third party Advisors be liable to you for any direct, indirect, incidental, special or consequential damages or any damages whatsoever including punitive or exemplary (including, but not limited to, damages caused by any virus, personal injury, loss of profits, data or other intangible, business interruption, loss of privacy, or any other pecuniary loss), arising out of or in any way connected with the use/delivery/performance of this Web Site, with the delay or inability to use this Web Site or any links or items on the Web Site, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through this Web Site, or otherwise arising out of the use of this Web Site, whether based on contract, tort, strict liability or other wise, or for cost of procurement of substitute goods and repair & correction services or resulting from the use of this Web Site or obtained or messages received or transactions entered into through or from the Web Site or resulting from unauthorized access to or alteration of your transmissions or data, even if we have been advised of the possibility of such damages.

You agree that we shall not be liable for any damages arising from interruption, suspension or termination of the Web Site, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages. However, in no event shall our liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the Web Site.

Copyright © Goodwin all rights reserved

This Term of Use (“Terms”) applies to the website, www.goodwinfinance.com (“Website”) and owned and operated by ‘Goodwin Financial solutions Private Limited’ (“Company”), facilitating education lending services among those interested (“User(s)”) with a web based intelligence platform (“Services”). Any other services offered by the Company or other features, content, or applications offered from time to time by the Company through the Website are governed by the following Terms and other policies listed on the Website including but not limited to the Privacy Policy.

Users agree to be bound by these Terms, regardless if they use the Services with or without being registered with the Company. The Company reserves the right to modify these Terms from time to time without prior notice, and each such modification shall be effective upon posting on the Website. Continued use of the Services following any such modification constitutes User’s acceptance to be bound by these Terms as so modified. Notwithstanding anything to the contrary in these Terms, the Company reserves the right to accept or reject a User from registering on the Website, without assigning any reason thereof.

The use of Services and registration on the Website is not permitted where it is prohibited by law. By using the Services, the User represents and warrants the following:
  • The User has right, authority, and capacity to enter into these Terms;
  • All information submitted by the User is truthful and accurate;
  • The User is neither a competitor of the Company nor is using the Services for reasons that are in competition with the Company;
  • The User is entitled to submit the information to the Company and such information is not confidential, and not in violation of any contractual restrictions or other third party rights;
  • The User understands and accepts that the accuracy and completeness of the information they provide determines the value and usefulness of the results;
  • The User accepts and consents for the submission and verification of his/ her personal and/ or financial documents by the Company for registration process;
  • The User shall not utilize the Services if he/she is under 18 years of age or does not have the requisite mental and legal capacity to enter into this Agreement as per the laws of the jurisdiction where the User is situated; and
  • The use of the Services by User does not violate any applicable laws.
As a condition to register with the Company to use the Services, the User agrees that
  • This Agreement is binding and enforceable against him/her;
  • To the extent that the User is an individual accepting this Agreement on behalf of his/ her proprietorship firm, such individual has the right and authority to agree to all of the terms set forth herein on behalf of such entity;
  • User will keep his/her contact information accurate and up-to-date;
  • User will not provide any false personal information to Company, or create an account for anyone other than himself/herself without permission;
  • If Company disables User’s account, User will not create another one without Company’s permission; and
  • User will not share his/her permanent and temporary log-in credentials or do anything else that might jeopardize the security of his/her account and other’s account.
The Company grants the User a non-exclusive, revocable, non-transferrable and limited license to access and use the Services on his/her/its personal device as made available through the Website/. The Company may, from time to time, update or modify the Website, release new versions or create new modules related thereto, each of which may, at the Company’s discretion, be included within the license granted above. The User shall not be permitted to sublicense or transfer any of his/her/its rights hereunder including without limitation, access to the Website through the respective login credentials authenticated for a particular User.
Users are prohibited from violating or attempting to violate the security of the Website, including, without limitation the following activities:
  • Accessing data not intended for such User or attempting to break into restricted content or logging into a server or account of other User;
  • Attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization;
  • Attempting to interfere with the Service to any User, host or network, including, without limitation, via means of submitting a virus to the Website, overloading, “flooding”, “spamming”, “mailbombing”, “hacking” or “crashing”; or
  • Forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting.
  • Further, the Users shall not: Remove any copyright, trademark or other proprietary notices from any portion of the Services;
  • Reproduce, modify, prepare derivative works based upon, distribute, license, lease, sell, resell, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the Services except as expressly permitted by the Company;
  • Decompile, reverse engineer or disassemble the or Website except as may be permitted by applicable law;
  • Link to, mirror or frame any portion of the Services;
  • Attempt to interfere with service to any User, host or network, including, without limitation, via means of submitting a virus to Website, overloading, “flooding”, “spamming”, “mail bombing”, “hacking” or “crashing” etc.
  • Reformat or frame any portion of the pages that are part of the Website;
  • Create User accounts under fraudulent pretenses;
  • Submit any content or material that falsely express or imply that such content or material is sponsored or endorsed by the Company;
  • Take any action that imposes, or may impose, an unreasonable or disproportionately large load on the Company;
  • Copy or distribute any part of Website in any medium;
  • Edit, alter or modify any part of Website other than as expressly authorized purpose;
  • Circumvent, disable, violate or attempt to violate, or otherwise interfere with the security or integrity of Website, the proper operation of Website, the features that prevent or restrict use or copying of any content or enforce limitations on use of Website therein, or interfere with any activity being conducted on Website;
  • User will not harvest or otherwise collect information about other Users, including email addresses, without their consent’;
  • Use the Services to transmit, distribute, post, or submit any unauthorized information (“Posted Information”) that is libelous, defamatory, obscene or in violation of these Terms of Use and Privacy Policy of the Website; you are located; and
  • Post the User Content in any other web pages of the Website except on the relevant space that relates to the city in which
  • Post publicly his/her personal and sensitive information including without limitation phone number, address, email address, financial information etc. (“Personally Identifiable Information”) on the Website enabling other Users to view, access and transmit such content. The Company reserves the right to remove such publicly available Personally Identifiable Information of any User immediately upon scrutiny, in order to comply with the Privacy Laws and other Applicable Laws.

User understands and agrees that the Company may review the use of the Services by the User and review any content posted on the Website and in case the Company finds, in its sole discretion, that the User violates any of these Terms especially Clause 4, then Company reserves the right to take actions to prevent/control such violation, including without limitation, terminating the membership of such Users and/or blocking their use of the Services or removing the offending communication or content from the Website, as the case may be.

The Company shall also be entitled to investigate occurrences, which may involve such violations and may take appropriate legal action, involve and cooperate with law enforcement authorities in prosecuting Users who are involved in such violations.

The User acknowledges that in no event shall the Company be liable for any damages whatsoever whether direct, indirect, general, special, compensatory, consequential, punitive or incidental, arising out of or relating to the conduct of the User or anyone else in connection with the use of the Services. The User also acknowledges that in any such event the Company shall also have the right to hold such defaulting party liable and initiate proceedings against such party in the courts and other appropriate forums.

User acknowledges and agrees that the Company or Company’s licensors or such other third party own all legal rights, titles and interests in and to the Services, including any intellectual property rights which subsist in the Website, its content and Services, whether those rights happen to be registered or not, and wherever in the world those rights may exist.

Unless agreed otherwise in writing with the Company, nothing in the Terms gives the User or any third party a right to use any of Company’s trade names, trademarks, service marks, logos, domain names, and other distinctive brand features.

The Company acknowledges and agrees that unless otherwise specified in any other document pertaining to specific content, that it obtains no right, title or interest from the User under these Terms in or to any content that the User submits, posts, transmits or displays on, or through, the Services, including any intellectual property rights which subsist in that content, whether those rights happen to be registered or not, and wherever in the world those rights may exist. Unless Company agrees to otherwise in writing, User agrees that he/she is responsible for protecting and enforcing those rights and that Company has no obligation to do so on User’s behalf.

User agrees that he/she shall not remove, obscure, or alter any proprietary rights notices (including copyright and trade mark notices), which may be affixed to or contained within the Services.

User agrees that in using the Services, he/she will not use any trade mark, service mark, trade name, logo of any company or organization in a way that is likely or intended to cause confusion about the owner or authorized user of such marks, names or logos.

If a copyright/ intellectual property owner or an agent thereof believes that any User content or other content on the Website infringes upon their copyrights or other intellectual property, kindly contact the Company at contact@goodwinfinance.com

User may be given access to certain non-public information, software and specifications of the website (“Company’s Confidential Information”), which is confidential and proprietary to the Company. User may use Company’s Confidential Information only as necessary in exercising rights granted to them in this Agreement.

User agrees that he/she will not disclose Company’s Confidential Information without Company’s prior written consent. User agrees that he/she will protect Company’s Confidential Information from unauthorized use, access, or disclosure in the same manner that User would protect User’s own confidential and proprietary information of a similar nature and in any event with no less than a reasonable degree of care.

Company’s Confidential Information includes, without limitation:
  • all software, technology, programming, specifications, materials, guidelines and documentation relating to the Website;
  • Company’s Application Program Interface (“API”) Data; and any other information designated in writing by the Company as "Confidential" or an equivalent designation.
  • Company’s Confidential Information does not include information that: has become publicly known through no breach by User;
  • has been independently developed without access to Company’s Confidential Information, as evidenced in writing;
  • has been rightfully received by User from a third party who has the lawful right to disclose such information; or
  • is required to be disclosed by law or by a governmental authority.

User also agrees to protect all the personal and other information of the other Users which are confidential and proprietary to the particular User in the same manner as it is protected as his/her/its own confidential and proprietary information.

Company acknowledges that it employs industry standard security protocol to ensure that the information, which User stores in, transmit or transfer through the Website, is protected. The Website are hosted on a secure server. Access to data is protected by password by the database server, which only accepts connections from the web server, and all the information transmitted from the User’s account to the web server are secured by industry standard transport layer security, specifically server-side SSL.

The User shall be solely responsible for maintaining the confidentiality of the username and passwords, and for all activities that occur under his/her username. The User agrees to: (a) notify the Company immediately of any unauthorized use of his/her username and passwords or any other breach of security; and (b) ensure that the User has logged off from your account at the end of each session.

The Company will not be liable for any loss or damage arising from the User’s failure to comply with this clause.

User agrees and understands that all communication between the Company and User shall be through electronic medium, such as emails or notices placed on the Website. User consents to receive communications via electronic medium from the Company periodically and as and when required.
The Company may, at any time, modify these Terms to reflect changes to the law or any change in its Services. The Company may post notice of modifications to these Terms on the Website and such changes will become effective from the date they are posted on the Website. If User does not agree to the modified Terms, he/she should discontinue their use of the Services through the Website . Amendment to or modification of these Terms will be considered accepted and binding upon the User if the User continues to use the Services even after such changes to these Terms.

These Terms shall remain in full force and effect for the duration of the availed Service or unless and until User’s account is terminated as provided herein. User may terminate his/her account as per the instructions provided in the Website and end their use of the Services at any time.

Any licenses contained in this Agreement will terminate automatically without notice if User fails to comply with any provision of this Agreement.

The Company further reserves the right to terminate this Agreement or discontinue the Services provided through the Website or any portion or feature thereof for any or no reason and at any time without liability to the User.

User shall delete all copies of the , Company’s specifications and Company’s Confidential Information, other Users’ personal and confidential information and shall further cease and desist from distributing or developing the Website, specifications and information.

The Company will not be liable for any costs, expenses, or damages as a result of the termination of this Agreement.

Sections 5, 8, and 14 through 17 of this Agreement shall survive following any termination of this Agreement.

The Company may contain features and functionalities that promote and allow access to third party content, including websites, information, products or services. If User has any problems resulting from use of any third party services, or suffers data loss or other losses as a result of problems with any of other service providers or any third-party services, Company shall not be responsible for the same.

Additionally, the Company or third parties may provide hyperlinks, or any other form of link or redirection of User’s connection to other sites (“Third Party Sites”). These Third Party Sites are in no way integrated into the Website and the inclusion of any link on Website or any network does not imply the Company’s affiliation or endorsement of the linked site, their business practices (including their privacy policies) or any information therein.

These Terms shall be governed by and interpreted and construed in accordance with the laws of India. In case of a dispute between the Parties which cannot be amicably resolved through negotiations within thirty (30) days from the first date that a Party notifies the other of such dispute arising out of or in connection with this Agreement, the dispute shall be submitted, by either Party, to binding arbitration. The arbitration shall be conducted by a sole arbitrator, mutually appointed by the Parties or by the competent court. The seat of arbitration shall be Hyderabad, India, and shall be conducted in accordance with the provisions of the Arbitration and Conciliation Act, 1996. The arbitration proceedings shall be conducted in the English language. Notwithstanding the foregoing, the Parties may apply to the courts of competent jurisdiction in Hyderabad, State of Telangana, for preliminary or interim equitable relief, without breach of this arbitration provision.

If anyone brings a claim against the Company related to User’s actions, content or information on the Website, User will indemnify and hold the Company harmless from and against all damages, losses, and expenses of any kind, including reasonable legal fees and costs, related to such claim. The Company shall also have the right to hold the User or such other person liable for the damages, losses and expenses which the Company may incur and initiate proceedings in any appropriate courts or other forums for the material breach of these Terms by the User. Although the Company provides rules for User conduct, the Company does not control or direct Users’ actions on the Website and is not responsible for the content or information Users transmit or share on or use in the Website. The Company is not responsible for any offensive, inappropriate, obscene, unlawful or otherwise objectionable content or information User may encounter on the website. The Company is not responsible for the conduct, whether online or offline, of any User.

THE COMPANY TRIES TO KEEP THE WEBSITE, BUG-FREE, AND SAFE, BUT THE USER AGREES TO USE IT AT HIS/HER OWN RISK. THE COMPANY IS PROVIDING THE SERVICES AS IS WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

THE COMPANY DOES NOT GUARANTEE THAT THE WEBSITE WILL ALWAYS BE SAFE, SECURE OR ERROR-FREE.

THE COMPANY DOES NOT WARRANT THAT: (A) THE SERVICE WILL MEET THE USER’S REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) ANY INFORMATION THAT THE USER MAY OBTAIN FROM THE SERVICE WILL BE ACCURATE OR RELIABLE; (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY THE USER THROUGH THE SERVICE WILL MEET HIS/HER EXPECTATIONS; OR (E) ANY ERRORS IN ANY DATA OR SOFTWARE WILL BE CORRECTED.

THE COMPANY IS NOT RESPONSIBLE FOR THE ACTIONS, CONTENT, INFORMATION, OR DATA OF THIRD PARTIES, AND USER RELEASES THE COMPANY, COMPANY’S DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS FROM ANY CLAIMS AND DAMAGES, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY CLAIM THE USER HAS AGAINST ANY SUCH THIRD PARTIES.

THE COMPANY WILL NOT BE LIABLE TO USER FOR ANY LOST PROFITS OR OTHER CONSEQUENTIAL, SPECIAL, INDIRECT, OR INCIDENTAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR WEBSITE.

IN CERTAIN JURISDICTIONS, APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO USER. IN SUCH CASES, THE COMPANY’S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

THE COMPANY IS NOT RESPONSIBLE FOR ANY PROBLEMS OR TECHNICAL MALFUNCTION OF ANY TELEPHONE NETWORK OR LINES, COMPUTER ONLINE SYSTEMS, SERVERS, PROVIDERS, COMPUTER EQUIPMENT, SOFTWARE, FAILURE OF COMMUNICATION ON ACCOUNT OF TECHNICAL PROBLEMS, OR TRAFFIC CONGESTION ON THE INTERNET OR AT ANY WEBSITE OR COMBINATION THEREOF, INCLUDING INJURY OR DAMAGE TO USERS OR TO ANY OTHER PERSON’S COMPUTER RELATED TO OR RESULTING FROM PARTICIPATING OR DOWNLOADING MATERIALS IN CONNECTION WITH THE WEB OR IN CONNECTION WITH THE SERVICE.

IN NO EVENT WILL THE COMPANY BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF USE, DATA, BUSINESS OR PROFITS) ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR YOUR USE OF THE WEBSITE, COMPANY SPECIFICATIONS, CONTENT, OR OTHER COMPANY PRODUCTS AND SERVICES, WHETHER SUCH LIABILITY ARISES FROM ANY CLAIM BASED UPON CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, AND WHETHER OR NOT YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE. THE FOREGOING LIMITATIONS WILL SURVIVE AND APPLY EVEN IF ANY LIMITED REMEDY SPECIFIED IN THIS AGREEMENT IS FOUND TO HAVE FAILED ITS ESSENTIAL PURPOSE.

If there are any questions regarding these Terms of the Services, the User may contact us at contact@goodwinfinance.com or 040.23553153.
  • These Terms along with the Privacy Policy make up the entire agreement between the parties regarding the Services, and supersedes any prior agreements or understandings.
  • If any portions of these Terms are found to be unenforceable, the remaining portion will remain in full force and effect.
  • The Company’s failure to require performance of any provision of these Terms, or to exercise any right provided for herein, shall not be deemed a waiver of such provision or such right.
  • Any amendment to or waiver of these Terms must be made in writing and signed by the Company.
  • User will not transfer any of User’s rights or obligations under these Terms to anyone else without the Company’s consent.
  • All of the Company’s rights and obligations under these Terms are freely assignable by the Company in connection with a merger, acquisition, or sale of assets, or by operation of law or otherwise.
  • Nothing in these Terms shall prevent the Company from complying with the applicable laws.
  • These Terms do not confer any third party beneficiary rights. User should carefully read the Company’s Privacy Policy as it governs the Company’s treatment of any information, including personally identifiable information User submits to the Company.
  • The Company reserves all rights not expressly granted to User. If under any law, User is entitled or obligated to act contrary to these terms, User consents to provide the Company with a comprehensive explanation of the reasons for such act in writing at least 30 days before User acts in such manner.

All visitors who visit the site www. goodwinfinance.com or customers, prospective customers (collectively Customers) providing information to Goodwin Financial Holdings Private Limited (GFL) are covered under this Policy.

  • In the course of using this website or availing the products and services vide the online or otherwise, the application forms or questionnaires etc., GFL and its Associates may become privy to the personal information including information that is of a confidential nature like bank account, investment and net worth details of its Customers and may use the same for various purposes including analyzing the credit worthiness of the client and providing value added service to clients. GFL undertakes to obtain consent of its customers, wherever not available, before disclosure or transfer of information to third parties.
  • GFL will limit the collection and use of customer information only on a need-to-know basis to deliver better service to the Customers. GFL may use and share the information provided by the Customers with its Affiliates and third parties for providing services and any service-related activities such as collections, customer service and to notify or contact the Customers regarding any problems with, or the expiration of, such services. In this regard, it may be necessary to disclose the customer information to one or more agents and contractors of GFL and their sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained from GFL only for these purposes.
  •  GFL undertakes not to disclose the information provided by the Customers to any person, unless such action is necessary to:
  • Conform to legal requirements or comply with legal process;
  • Protect and defend GFL or its Affiliates' rights, interests or property;
  • Enforce the terms and conditions of the products or services; or
  • GFL is strongly committed to protect the privacy of its Customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web or otherwise and it shall not be held liable for disclosure of the confidential information when in accordance with this Privacy Commitment or in terms of the agreements, if any, with the Customers.
  • The Customers shall not disclose to any other person, in any manner whatsoever, any information relating to GFL or its Associates of a confidential nature obtained in the course of availing the services through the website. Failure to comply with this obligation shall be deemed a serious breach of the terms herein and shall entitle GFL or its Associates to terminate the services, without prejudice to any damages, to which the customer may be entitled otherwise.
  • The Customer authorises GFL to exchange, share, part with all information related to the details and transaction history of the Customers to its Associates / banks / financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold GFL liable for use or disclosure of this information.
  • At GFL, we value your relationship and will at all times strive to ensure your privacy.
Phishing is a type of attack whose goal is to steal private information, such as login credentials or credit card numbers, usually to carry out various types of financial fraud. An attacker impersonates a trusted entity, such as a bank, government, ISP, or large web site, and tries to trick people into giving up their private information. These attacks often take the form of "urgent" emails asking people to take immediate action in order to prevent some impending disaster. Examples include topics such as the following:
  • "Our bank has a new security system. Update your information now or you won't be able to access your account."
  • "We couldn't verify your information; click here to update your account."
  • Sometimes the email claims that something awful will happen to the sender (or a third party), as in "The sum of Rs. 30,000,000 is going to go to the Government unless you help me transfer it to your bank account."
People who click on the links in these emails may be taken to a phishing site - a web page that looks like a legitimate site they've visited before, but is actually controlled by an attacker. Because the page looks familiar, people visiting these phishing sites enter their username, password, or other private information on the site. What they've unknowingly done is given a third party all the information needed to hijack their account, steal their money, or open up new lines of credit in their name. They just fell for a phishing attack.
The concept behind such an attack is simple: Someone masquerades as someone else in an effort to deceive people into sharing personal or other sensitive information with them. Phishers can masquerade as just about anyone, including banks, email and application providers, online merchants, online payment services, and even governments. And while some of these attacks are crude and easy to spot, many of them are sophisticated and well constructed. That fake email from "your bank" can look very real; the bogus "login page" you're redirected to can seem completely legitimate.
If you think you may have encountered a phishing site, please report the suspicious site to us.

What you can do to avoid phishing attacks

The good news is there are things you can do to steer clear of phishing attacks and phishing sites:
  • Be careful about responding to emails that ask you for sensitive information. You should be wary of clicking on links in emails or responding to emails that are asking for things like account numbers, user names and passwords, or other personal information. We at Goodwin do not ask for this information via email.
  •  Go to the site yourself, rather than clicking on links in suspicious emails If you receive a communication asking for sensitive information but think it could be legitimate, open a new browser window and go to the organization's website as you normally would (for instance, by using a bookmark or by typing out the address of the organization's website). This will improve the chances that you're dealing with the organization's website rather than with a phisher's website, and if there's actually something you need to do, there will usually be a notification on the site. Also, if you're not sure about a request you've received, please contact us support@goodwinfinance.com
  •  Be wary of the "fabulous offers" and "fantastic prizes" that you'll sometimes come across on the web. If something seems too good to be true, it probably is, and it could be a phisher trying to steal your information. Whenever you come across an offer online that requires you to share personal or other sensitive information to take advantage of it, be sure to ask lots of questions and check the site asking for your information for signs of anything suspicious.
  •  Use a browser that has a phishing filter. The latest versions of most browsers include phishing filters that can help you spot potential phishing attacks.