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KapitalTech (Registered as United Petro Finance Limited) is a leading FinTech in India which offers multiple products like unsecured loans and loans against property with customized loan repayments to its MSME customers.
We, at KapitalTech, are an innovative and highly passionate team that blends cutting edge technology with deep human insight into lending.
We aim at delivering instant hassle-free credit to a wider spectrum of MSME businesses including millions of unorganized enterprises with limited credit history or are highly leveraged on paper.
Dexter, our groundbreaking statistical modeling-based proprietary analytics engine, enables us to “see” beyond the perceived risk of traditional credit frameworks.
KapitalTech is backed by Fortune Financial Services (India) Limited, a conglomerate firm involved in Investment Banking , Housing Finance, Equities and Derivatives trading, Equity Research, Commodities Trading, Portfolio Management Services, Distribution of Mutual Funds & Insurance products.
Fortune eConnect Mobile Application (“Fortune eConnect App”) developed by Best1 Techsoft LLP (“Developer”) for Fortune Integrated Assets Finance Limited (“FIAFL”) which enables customers of FIAFL to make online payment of their EMIs and/or outstanding over dues. By visiting or accessing and before using the Fortune eConnect App, customer need to agree following Terms and Conditions and the customer’s acceptance of the same is reaffirmed each time the he/she access its Payment Service (“Service”). The Fortune eConnect App reserves the right, at its sole discretion, to change, modify, add, or delete portions of these Terms & Conditions at any time without further notice. The Customer shall re-visit the “Terms & Conditions” link from time to time to stay abreast of any changes that the Fortune eConnect App may introduce.
We, Fortune eConnect App, do not collect or store Customer Debit Card or bank account information. In case of Debit Cards, you will be transferred to a secure payment gateway where you can enter your Debit Card details. The payment gateway authenticates the transaction and we would then initiate the payment request. For Net Banking/ Debit Cards, you would be transferred to the relevant bank website where you are required to enter your Net Banking login and password or your Debit Card details. The payment request is initiated once authentication is complete.
We, Fortune eConnect App, shall not be liable for any failure of the payment gateway to authenticate the transaction or any failure of internet services during the transaction. The Customer hereby agrees and undertakes not to use the information contained for any commercial purposes, any portion of this Service. For the removal of doubt, it is clarified that this Service is not for commercial use but is specifically meant for personal use only.
This document is an electronic record in terms of the Information Technology Act, 2000 and the rules thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
The Customer agrees and undertakes to abide by the provisions of Information Technology Act and/or any other laws/rules/regulations of India. The Customer impliedly and expressly undertakes to submit to the jurisdiction of enforcing/statutory authorities for any violation of the IT act and other laws.
The Customer agrees and undertakes not to use the Service or the Fortune eConnect App in any unlawful manner or in any other manner that could damage, disable, overburden, impair or disrupt the Service, servers, system, site or networks connected to the Service.
As a condition of use of Fortune eConnect App, the Customer agrees to indemnify the FIAFL & Developer and its directors, officers, employees, agents and affiliates from and against any and all actions, claims, losses, damages, liabilities and expenses (including reasonable attorneys' fees) arising out Customer’s use of Fortune eConnect App.
The FIAFL or Developer is not to be held liable for special, consequential, incidental, indirect or punitive loss, damage or expenses , data, loss of facilities, or equipment or the cost of recreating lost data regardless of whether arising out of a breach of contract, warranty, tort, strict liability or otherwise.
Fortune eConnect App may contain links to third party sites. The linked sites are not under the control of the Fortune eConnect App and the Fortune eConnect App is not responsible for the contents of any linked site/App or any link contained in the linked site/App. The Fortune eConnect App provides these links only as a convenience, and the inclusion of a link does not imply endorsement of the linked site/App by the Fortune eConnect App.
Fortune eConnect App and the contents hereof are provided "as is" and without warranties of any kind either expressed or implied to the fullest extent permissible pursuant to applicable law. The Fortune eConnect App disclaims all warranties, express or implied, and conditions including, but not limited to, implied warranties of merchantability, fitness for particular purpose, title and non - infringement. Nor do we warrant that the functions of Fortune eConnect App or the functions contained in the materials of Fortune eConnect App will be interrupted or be error free, that defects will be corrected, or that Fortune eConnect App or the server(s) that make the Fortune eConnect App available are free of viruses or other harmful components. In no event shall we be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other wrongful actions, arising out of or in connection with the use or performance of any products, materials or information available from Fortune eConnect App. Fortune eConnect App in whole or in part, could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein. Customer’s continued use of Fortune eConnect App following the posting of any change or modification of the Terms and Conditions will mean the Customer has accepted those changes or modifications.
“The Reserve Bank of India (RBI) has imposed, by an order dated January 31, 2020, a monetary penalty of ₹2 lakh on Fortune Integrated Assets Finance Ltd., Mumbai, for non-compliance with directions issued by RBI on ‘Monitoring of Frauds in NBFCs (Reserve Bank) Directions, 2016”