01Acceptance
These Terms of Service are an electronic record under the Information Technology Act, 2000 and do not require any signature. By accessing or using Capnix, you agree to these terms. If you do not agree, please do not use the service.
02About Capnix
Capnix is a product owned and operated by Webority Technologies Private Limited, incorporated in India with its registered office at 629-634, Vipul Trade Centre, Sector-48, Sohna Road, Gurugram, Haryana 122018, India. Capnix is a loan facilitation platform: we analyse your business, match you to suitable lenders from our network, and help carry your application through to disbursal. What Capnix is not: Capnix is not a lender. We do not lend money, and we do not set or control loan products, interest rates, eligibility or approvals, all of which are decided solely by our partner lenders.
03Eligibility
You must be at least 18 years old and an authorised signatory of a business registered in India. By using Capnix you confirm that the information you provide is true, accurate and your own to share.
04Accounts
Where an account is used, sign-in is via OTP. Keep your access secure and report any unauthorised use to [email protected].
05Our fees
Capnix is free for businesses. We do not charge you to use the platform or our facilitation service. We are compensated by our partner lenders when a loan is successfully facilitated. Should any paid service ever be introduced for businesses, its price and terms will be shown to you clearly before you commit.
06How facilitation works, and what we do not promise
We use AI-assisted tools and our team to understand your borrowing strength, present your business well, and approach the lenders most likely to fund you. The final decision, the amount, the interest rate, the terms and the timeline are entirely the lender's. We do not guarantee any loan, approval, amount, rate or disbursal. Any loan agreement is concluded directly between you and the lender, and Capnix is not a party to it.
07Your authorisation to share with lenders
By submitting your details and documents, you authorise Capnix to share them with the lenders we approach on your behalf, in line with our Privacy Policy. Nothing is shared with a lender without your consent, and you are free to decline any offer a lender makes.
08Partner programme
Chartered Accountants, DSAs, consultants and referral partners may refer businesses to Capnix and earn a commission when a referred loan is disbursed. Partners must have the authority to refer a client and must obtain that client's consent before sharing their details. Detailed partner terms, including payout terms, are provided at onboarding and form part of these terms for partners.
09Acceptable use
No unlawful use, no misrepresentation, no infringement of others' rights, no malware or unauthorised access, and no attempt to reverse-engineer, scrape or disrupt the service.
10Intellectual property
The platform, software, analysis tools, brand and content are owned by Webority Technologies Private Limited and protected by law. We grant you a limited, non-exclusive, non-transferable right to use them for your own business. Third-party and open-source components remain subject to their own licences. Your data remains yours.
11Disclaimers
Capnix facilitates access to funding; it does not provide financial, investment, legal or tax advice, and our analysis does not constitute a credit-bureau score. The service is provided "as is" and, except as required by law, we disclaim all other warranties, express or implied.
12Limitation of liability
To the extent permitted by law, neither party is liable for indirect, incidental or consequential loss, and we are not liable for the acts, decisions, terms or conduct of any lender. Our aggregate liability is capped at ₹10,000. This cap does not apply to fraud, wilful misconduct, or liability that cannot be limited under law.
13Indemnification
You agree to indemnify Webority Technologies Private Limited against third-party claims arising from your breach of these terms, your misuse of the service, or your infringement of any law or third-party right.
14Termination
You may stop using Capnix or close your account at any time; we may suspend or terminate access for anyone who breaches these terms. The clauses meant to survive termination continue to apply.
15Governing law & disputes
These terms are governed by the laws of India. The parties will first attempt to resolve any dispute in good faith; failing that, the dispute is referred to arbitration under the Arbitration and Conciliation Act, 1996, seated at Gurugram, Haryana, in English. The courts at Gurugram, Haryana have exclusive jurisdiction for matters not subject to arbitration. Contact [email protected].
16Changes
We give 15 days' notice before any material change to these terms.
17Contact
Webority Technologies Private Limited, 629-634, Vipul Trade Centre, Sector-48, Sohna Road, Gurugram, Haryana 122018, India. Email [email protected], Grievance Officer phone +91 95990 06518.
