Terms & Conditions

Last Updated: 12-10-2025

Welcome to Linova Fintech Pvt. Ltd. By accessing or using our website https://linovafintech.com/web (the “Site”) and our services, you agree to comply with the following terms and conditions. Please read them carefully.

General Terms

• Acceptance of Terms:
  By using our website and services, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use our services.

   

• Eligibility:
  You must be at least 18 years old and capable of entering into a legally binding agreement to use our services.

   

• Changes to Terms:
  We reserve the right to update or modify these Terms & Conditions at any time without prior notice. Continued use of our services after changes are posted constitutes your acceptance of the revised terms.

   

• User Responsibilities:

   

  • You agree to use our services for lawful purposes only.

     

  • You shall not engage in fraudulent transactions or violate any applicable laws and regulations.

     

  • You are responsible for maintaining the confidentiality of your account credentials.

     

• Intellectual Property:

   

  • All content on this website, including text, images, logos, and software, is owned by Linova Fintech Pvt. Ltd. and is protected under intellectual property laws.

     

  • Unauthorized use, reproduction, or modification of our content is strictly prohibited.

     

Payment & Refund Policy

• Payment Terms:

   

  • We accept payments through our integrated payment gateway (Razorpay and other available options).

     

  • All transactions are processed securely. We do not store your card details.

     

  • Prices for our services are subject to change without prior notice.

     

• Refund Policy:

   

  • Refunds are only applicable in case of a failed transaction where the amount has been deducted but services are not provided.

     

  • Customers must report such issues within 7 days of the transaction.

     

  • Refunds, if approved, will be processed within 7-10 working days back to the original payment method.

     

  • No refunds will be issued for successful transactions unless otherwise specified.

     

• Cancellation Policy:

   

  • Services once availed cannot be canceled unless specified otherwise.

     

  • If cancellation is allowed, any applicable charges will be deducted before processing a refund.

     

• Dispute Resolution:

   

  • In case of any payment-related disputes, you can contact our support team at [info@linovafintech.com].

     

  • We will review disputes on a case-by-case basis and strive to resolve them in a fair manner.

     

Contact Us

For any queries related to these Terms & Conditions, please contact us at:

📧 Email: info@linovafintech.com
📞 Phone: 6295156086 / 7501129322
📍 Address: Dakshin Chak Moulani, Chak Moulani, Mal, Jalpaiguri, WB 735219

By using our website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.