Terms and Conditions
1. Ownership and Control
The website sure.financial ("Website") and the mobile application titled "Sure" ("Application") is owned, operated, managed and controlled by Vittancial Technovations Private Limited ("Sure"), company incorporated under the laws of India with its registered office at MG LINK RD, BHANDUP, Mumbai Maharashtra – 400078 India, under the brand name "Sure".
2. Acceptance of Terms
Sure offers the Website, the Application and any Services conditioned upon the User's acceptance of all terms conditions policies and notices stated here. By procuring a Service from Sure, or by use of the Website or Application, the User hereby agrees to be bound by these terms and conditions ("Terms of Service"), as applicable, to the use of the Website, the Application and any Services.
3. Services
Sure facilitates the Users to evaluate their credit profile and may provide facilities that may include online utility payments through the Website and/or the Application ("Services"), and shall include any other services provided by Sure from time to time.
4. User Responsibilities
Users agree to take full responsibility for the transactions made on the platform with respect to the nature of transaction and the tax implications pertaining to the same. Sure and its payment partners act as mere facilitators of authorized payments and shall not assume responsibility nor liability for any unauthorized transactions.
5. Compliance with Laws
The User is solely and exclusively responsible for understanding and complying with all applicable laws of the User's specific jurisdiction, including but not limited to the RBI Guidelines on Regulation of Payment Aggregators and Payment Gateways, Payment and Settlement Systems Act, 2007, Prevention of Money Laundering Act, 2002, Income Tax Act, 1961, Know Your Customer (KYC) / Anti-Money Laundering (AML) / Combating Financing of Terrorism (CFT) guidelines issued by the Department of Regulation, RBI (the "KYC GUIDELINES") etc., that may be applicable to the User in connection with the business and use of Sure.
6. Eligibility
By agreeing to these Terms of Service, a User (which such User is a natural Person) represents that the User is at least the age of majority i.e. 18 years, and is competent to contract. Additionally, where the User is registering on behalf of, and is the authorized representative of, a company, partnership or any other legal entity, such User has been duly authorized by such entity and is permitted under Applicable Laws to accept these Terms of Service.
7. Registration
In order to avail the Services, User must be registered with Sure and the Service Providers, if required. The User shall provide Sure with all such documents as may be required by Sure for identity verification of the User.
8. Security
The User will not hold Sure liable in case of any improper/ fraudulent/unauthorized/ duplicate/erroneous use of his/her mobile and/or the web-based access or through any other platform due to loss or theft of his mobile or cloning of his/her mobile or for any other reason whatsoever.
9. Intellectual Property Rights
The Application content and the trademarks, service marks and logos contained therein ("Marks") are owned by or licensed to Sure, subject to copyright and other intellectual property rights under the law and international conventions.
10. Disclaimer of Warranties
All content and functionality on the application is provided "as is", without warranty of any kind, either express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement.
11. Limitation of Liability
User expressly acknowledges and agrees that, to the maximum extent permitted by law, the entire risk arising out of his access to and use of the application and services, remains with him.
12. Indemnity
User shall keep Sure and its Service Providers safe and harmless and indemnified from and against any and all liability (including but not limited to liabilities, judgments, damages, losses, claims, costs and expenses,) or any other loss that may occur, arising from or relating to any claim, suit or proceeding brought against Sure by another User/ Service Provider/ third party for reasons including, but not limited to delivery, non-delivery or delay, deficiency or mistake in respect of the products purchased sold or services rendered.
13. Termination
If either Sure or Service Provider suspects, on reasonable grounds, that a User has committed a breach of these Terms or any other agreement with Sure or any act of dishonesty or fraud against Sure/ any Service Provider, Sure shall be entitled to (a) deactivate/ suspend the User Account and disable the User's Password and (b) terminate User's access to the Application or the Services; pending enquiries by Sure.
14. Jurisdiction
All claims, matters and disputes are subject to the sole and exclusive jurisdiction of the competent courts in Mumbai, State of Maharashtra.
15. Loans
By accepting our "Terms and Conditions" and "Privacy Policy" you authorize Sure to run a credit/bureau check for your profile.
If User wishes to avail any financial service, partner banks and financial institutions may contact the User in connection with the same. We share User information (excluding credit information) with partners only after the User provides consent and voluntarily submits the required documents.
16. Refunds
Sure is not responsible for payments sent to an incorrect credit card or account input by you. If your payment instrument is charged but not credited to your account within 72 hours, please contact Sure's customer support through the app. We will investigate, and if a payment error is verified, a refund will be issued within 21 working days (or per applicable law). Refunds will be sent to the original payment method or a Specified Refund Account, verified by you. Sure reserves the right to determine the refund method in line with legal requirements. Sure disclaims liability for any refund errors due to bank, card network, or intermediary service provider issues. If a payment is wrongly credited to your account, Sure reserves the right to initiate a refund via your bank. You consent to this correction and will be informed once the transaction is processed.
Last updated: 17th October 2026