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Terms & Conditions

These Terms and Conditions (“Terms”) govern your access to and use of the website operated under the name RM Fincorp at https://rmfincorp.com/ (the “Website”). In these Terms, “RM Fincorp”, “we”, “us” and “our” refer to R M finacess advisory private limited, having its registered office at 10, Poorvi Marg, DLF Phase 2, Sector 25, Gurugram, Haryana 122022. “You” and “your” refer to any visitor, user, prospective client or representative of an organisation accessing the Website.

By accessing or using the Website, submitting an enquiry, or communicating with us through the Website, you acknowledge that you have read, understood and agreed to these Terms and our Privacy Policy. If you do not agree with these Terms, please discontinue use of the Website.

1. Purpose of the Website

The Website provides general information about RM Fincorp, including its treasury-management, capital-deployment, cash and liquidity management, risk management, banking relationship management and treasury technology advisory capabilities.

The Website is intended primarily for businesses, corporate entities, institutional users and their authorised representatives. Information made available on the Website is provided for general informational and preliminary discussion purposes only.

2. No Offer, Recommendation or Guaranteed Return

Nothing on the Website constitutes or should be interpreted as:

  • an offer, invitation or solicitation to buy, sell or subscribe to any security, financial instrument or investment product;
  • personalised investment, legal, tax, accounting or regulatory advice;
  • portfolio management, broking, banking or other regulated financial services, unless expressly agreed in writing and provided in accordance with applicable law; or
  • a promise, assurance or guarantee of any specific return, yield, performance, capital protection or financial outcome.

References to returns, yields, risk management, capital deployment or investment opportunities are illustrative and general in nature. Financial markets and instruments involve risk. Past performance, historical data, projections and illustrative scenarios are not reliable indicators or guarantees of future results.

You should obtain independent professional advice and conduct your own assessment before making any financial, treasury, investment, legal, tax or business decision.

3. Client Engagements and Separate Agreements

Accessing the Website or submitting an enquiry does not create a client, advisory, fiduciary, partnership, agency or other professional relationship between you and RM Fincorp.

Any services provided by RM Fincorp will be governed by a separate written proposal, engagement letter, service agreement, statement of work, mandate or other contract accepted by the relevant parties (a “Client Agreement”). The Client Agreement may specify the scope of services, responsibilities, fees, confidentiality obligations, risk parameters, authority levels, service standards and termination rights.

If there is any conflict between these Terms and a duly executed Client Agreement, the Client Agreement will prevail in relation to the services covered by it.

4. Eligibility and Authority

By using the Website on behalf of an organisation, you confirm that:

  • you are legally capable of accepting these Terms;
  • you are authorised to act for and bind that organisation where applicable; and
  • the information you provide to us is accurate, complete and not misleading.

The Website is not directed at any person in a jurisdiction where accessing its content or receiving the described services would be unlawful or would require an authorisation that RM Fincorp does not hold.

5. Permitted Use

We grant you a limited, non-exclusive, non-transferable and revocable right to access and use the Website for lawful informational and business purposes, subject to these Terms.

You must not:

  • use the Website for any unlawful, fraudulent or misleading activity;
  • attempt to gain unauthorised access to the Website, its server, systems, databases or connected networks;
  • introduce viruses, malicious code or other harmful material;
  • interfere with, disrupt, overload, damage or impair the Website or another user’s access;
  • scrape, harvest, reproduce or systematically extract Website content or data without prior written permission;
  • impersonate another person or misrepresent your identity, authority or affiliation;
  • use the Website to transmit confidential, proprietary or sensitive information unless expressly requested through an approved channel; or
  • use our name, content, branding or materials in a way that suggests an endorsement, partnership or affiliation without written permission.

6. Enquiries and Information Submitted by You

When you submit an enquiry, consultation request or other information through the Website, you agree to provide accurate and current information. You authorise us to use the information to respond to your enquiry, evaluate a potential engagement and communicate with you in accordance with our Privacy Policy.

You should not submit trade secrets, account credentials, banking passwords, payment instructions or highly sensitive financial information through a general website form. Where confidential information is required, RM Fincorp may provide an appropriate secure channel or enter into a confidentiality agreement.

7. Treasury and Market Information

Any market commentary, financial data, rates, projections, examples, research summaries or other information displayed on or linked through the Website may be obtained from sources believed to be reliable. However, such information may be delayed, incomplete, inaccurate or subject to change without notice.

RM Fincorp does not warrant the accuracy, completeness, timeliness or fitness for a particular purpose of third-party data or information. You remain responsible for validating information before relying on it or taking any action.

Actual treasury strategies and capital-deployment decisions depend on factors including the client’s objectives, liquidity requirements, risk tolerance, cash-flow profile, internal policies, applicable regulations, tax position, banking arrangements and prevailing market conditions.

8. Intellectual Property Rights

Unless otherwise stated, all Website content—including text, graphics, layouts, designs, images, icons, logos, reports, methodologies, downloads, software and other materials—is owned by or licensed to RM Fincorp and is protected by applicable intellectual-property laws.

You may view and download reasonable extracts for your internal, non-commercial evaluation of our services. You may not reproduce, modify, republish, distribute, sell, licence, display, create derivative works from or commercially exploit Website content without our prior written permission.

All third-party trademarks, names and logos remain the property of their respective owners. Their appearance on the Website does not imply endorsement or affiliation.

9. Confidentiality

Information publicly available on the Website is not confidential. Any confidential information exchanged during discussions or a client engagement will be governed by an applicable non-disclosure agreement, Client Agreement or confidentiality obligations recognised under applicable law.

Unless expressly agreed otherwise, information voluntarily submitted through a general Website form should not be treated as confidential by the sender.

10. Third-Party Websites and Services

The Website may contain links to third-party websites, platforms, tools or resources. These links are provided for convenience only. RM Fincorp does not control, endorse or accept responsibility for third-party content, availability, security, privacy practices, products or services.

Your access to third-party websites and services is at your own risk and may be governed by separate terms and privacy policies.

11. Website Availability and Security

We take reasonable steps to maintain the Website; however, we do not guarantee that it will always be available, uninterrupted, secure or free from errors, viruses or other harmful components.

We may modify, suspend, restrict or discontinue any part of the Website for maintenance, security, operational or business reasons without prior notice. You are responsible for maintaining suitable devices, software, internet access and security controls when using the Website.

12. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis. RM Fincorp disclaims all express or implied representations and warranties concerning the Website, including warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose, non-infringement and suitability for any financial or business decision.

No statement on the Website or in general communications should be treated as a warranty or guarantee concerning investment performance, treasury savings, liquidity outcomes, risk reduction, banking terms or commercial results.

13. Limitation of Liability

To the fullest extent permitted by applicable law, RM Fincorp and its directors, officers, employees, affiliates, consultants, agents and service providers will not be liable for any indirect, incidental, special, punitive, exemplary or consequential loss or damage arising from or connected with:

  • your access to, reliance on or inability to use the Website;
  • any decision or action taken on the basis of Website content;
  • interruption, delay, error, malware, data loss or unauthorised access;
  • third-party websites, services or information; or
  • loss of profits, revenue, opportunity, reputation, business, anticipated savings or data.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited. Liability arising from separately contracted professional services will be governed by the applicable Client Agreement.

14. Indemnity

To the extent permitted by law, you agree to indemnify and hold harmless RM Fincorp and its directors, officers, employees, affiliates, consultants and agents from claims, liabilities, losses, damages and reasonable costs arising from:

  • your unlawful or unauthorised use of the Website;
  • your breach of these Terms;
  • information or material submitted by you that infringes another person’s rights; or
  • your violation of applicable law or the rights of a third party.

15. Privacy and Cookies

Our collection and use of personal information are governed by our Privacy Policy. The Website may use essential and analytical cookies or similar technologies, as described in the Privacy Policy or Cookie Notice made available on the Website.

By submitting personal information, you confirm that you are authorised to provide it and that it may be handled for the stated purposes in accordance with applicable law.

16. Suspension and Termination

We may restrict, suspend or terminate your access to the Website without notice if we reasonably believe that you have:

  • breached these Terms;
  • used the Website unlawfully or fraudulently;
  • attempted to compromise its security or operation; or
  • exposed RM Fincorp, its clients or another person to legal, regulatory, operational or reputational risk.

Provisions that by their nature should survive termination—including intellectual property, disclaimers, limitation of liability, indemnity and governing law – will continue to apply.

17. Force Majeure

RM Fincorp will not be responsible for delay, interruption or failure caused by circumstances beyond its reasonable control, including natural disasters, fire, flood, epidemic, war, civil unrest, labour disruption, power or telecommunications failure, cyber incidents, government action, failure of financial-market infrastructure or interruption of third-party services.

18. Changes to the Website and These Terms

We may update the Website or these Terms from time to time. Revised Terms will be posted on this page with an updated “Last Updated” date. Changes will take effect upon publication unless otherwise stated.

Your continued use of the Website after revised Terms are published constitutes acceptance of the updated Terms. Material changes affecting an existing client engagement will be addressed in accordance with the relevant Client Agreement.

19. Severability, Waiver and Assignment

If any provision of these Terms is held to be invalid, unlawful or unenforceable, that provision will be modified or severed to the minimum extent necessary, and the remaining provisions will continue in effect.

Our failure to enforce a provision does not constitute a waiver of that provision or any other right. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. RM Fincorp may assign its rights and obligations as part of a reorganisation, merger, transfer of business or other lawful arrangement.

20. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices displayed on the Website, constitute the entire agreement between you and RM Fincorp concerning your use of the Website. They do not replace or amend any Client Agreement separately entered into between the parties.

21. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Subject to any mandatory legal requirement or dispute-resolution provision contained in an applicable Client Agreement, the courts at Haryana, India will have exclusive jurisdiction over disputes arising from or connected with the Website or these Terms.

22. Contact Us

For questions concerning these Terms, please contact us.