Effective Date: 1 February 2026
1. About ClaimFriendy
ClaimFriendy Private Limited (CIN: U74999DL2021PTC389488), registered at Unit No 1106, Pearls Omaxe Tower, NSP, New Delhi – 110034, operates as a Loan Service Provider (LSP) under applicable RBI guidelines. By accessing this website or submitting any enquiry or application through ClaimFriendy, you agree to be bound by these Terms & Conditions.
These Terms must be read in conjunction with our Privacy Policy and the specific product terms provided by our NBFC lending partners at the time of loan origination.
2. LSP Role & Limitation
ClaimFriendy does not lend money. We are a Loan Service Provider (LSP) that facilitates loan enquiries and applications to RBI-registered NBFCs. All loan disbursements, credit decisions, interest rates, and repayment terms are determined solely by the respective lending partner. ClaimFriendy has no authority to override or modify any lending decision.
Our current RBI-registered lending partners are:
- Findoc Finvest Pvt Ltd. — RBI Reg. No. B-06.00267
- Eravat Marketings Private Limited — RBI Reg. No. B.14.02270
This list may be updated. For the most current list, refer to our Lending Partners page.
3. Eligibility
To use ClaimFriendy's loan facilitation services, you must:
- Be an Indian resident aged 18 years or above
- Have a valid PAN and Aadhaar
- Meet the specific eligibility criteria of the applicable lending partner
- Be either a hospital/healthcare institution (for Friendy Bridge or Friendy Flow) or an individual policyholder (for Friendy Assist)
ClaimFriendy reserves the right to decline any application without assigning a reason, and does not guarantee loan approval by its lending partners.
4. Services Offered
ClaimFriendy facilitates three products on behalf of its lending partners:
- Friendy Bridge: Reimbursement finance for patients admitted to non-network hospitals, enabling upfront hospital bill settlement pending insurance reimbursement
- Friendy Flow: Working capital finance for hospitals and healthcare providers to bridge cash flow gaps arising from delayed insurance settlements
- Friendy Assist: Claim assistance and financial support for individual policyholders navigating complex insurance claims
All products involve a loan from an NBFC lending partner. The loan terms, APR, processing fees, and repayment schedule are disclosed in the Key Fact Statement (KFS) issued by the respective lender before loan execution.
5. Key Fact Statement (KFS)
In accordance with RBI's Digital Lending Guidelines (September 2022), a Key Fact Statement (KFS) will be provided to you by the lending partner before execution of any loan agreement. The KFS will disclose, at minimum:
- Loan amount, tenor, and repayment schedule
- Annual Percentage Rate (APR) — the all-inclusive cost of the loan
- Processing fees, insurance charges (if any), and other charges
- Penal charges for delayed repayment
- Cooling-off period details
Please read the KFS carefully before signing any loan agreement. You have the right to a copy of the KFS and loan agreement at all times.
6. Cooling-Off Period
In accordance with RBI guidelines, borrowers are entitled to a cooling-off or look-up period after loan disbursement, during which they may exit the loan by repaying the principal amount along with the proportionate APR (without any penalty). The specific cooling-off period will be stated in the KFS provided by the lending partner.
To exercise this right, please contact the lending partner's Principal Nodal Officer within the stipulated period. Details are available on our Lending Partners page.
7. Fees & Charges
ClaimFriendy may earn a referral or service fee from its lending partners for facilitating loan applications. This fee is borne by the lending partner and is not charged directly to the borrower. Any applicable fees will be disclosed in the KFS.
ClaimFriendy does not charge any upfront fee to borrowers for submitting a loan enquiry or application. If anyone representing ClaimFriendy demands an upfront cash payment from you, please report it immediately to info@claimfriendy.com.
8. User Obligations
By using our website and services, you agree to:
- Provide accurate, complete, and truthful information in all applications and communications
- Not misrepresent your identity, financial situation, or the purpose of the loan
- Not use our services for any illegal purpose, including money laundering or fraud
- Not attempt to gain unauthorised access to our systems or interfere with our website
- Notify us promptly if your contact details change
Providing false information may result in immediate rejection of your application and may be reported to relevant authorities.
9. Intellectual Property
All content on this website, including text, graphics, logos, icons, and software, is the property of ClaimFriendy Private Limited or its licensors and is protected by applicable Indian intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this website without prior written permission.
10. Disclaimer & Limitation of Liability
This website is provided on an "as is" basis. ClaimFriendy makes no warranties, express or implied, regarding the accuracy, completeness, or reliability of any content. To the fullest extent permitted by law, ClaimFriendy shall not be liable for any indirect, incidental, or consequential loss arising from your use of this website or our services.
ClaimFriendy is not liable for any credit decision made by a lending partner, including loan rejection, revised loan terms, or actions taken by the lender in the event of default. The borrower's contractual relationship for the loan is with the lending partner, not with ClaimFriendy.
11. Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in New Delhi, India. We encourage resolution of disputes through our grievance mechanism before initiating formal legal proceedings.
12. Grievance Redressal
For any complaint or concern regarding our services, please contact our Grievance Officer:
Grievance Officer — ClaimFriendy Private Limited
Email:
grievance@claimfriendy.com
Phone:
+91 11 4990 1356
Address: Unit No 1106, Pearls Omaxe Tower, NSP, New Delhi – 110034
Response time: Within 7 working days
If your complaint is not resolved to your satisfaction, you may escalate to the RBI Integrated Ombudsman Scheme at cms.rbi.org.in or the RBI Sachet Portal at sachet.rbi.org.in.