Smart Finance.
Simplified.

Effective Date: January 1, 2026

End-To-End Finance Service ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial services and website.

1. Information We Collect

Personal Data: We may collect personally identifiable information such as your name, billing address, shipping address, email address, telephone number, Social Security Number (SSN), driver's license number, financial account information, credit history, income information, employment details, and government-issued ID.

Derivative Data: Information our servers automatically collect when you access our website, including IP address, browser type, operating system, access times, and pages viewed.

Financial Data: Credit scores, loan history, payment history, investment portfolios, insurance claims, and banking relationships.

2. Use of Your Information

We use the information we collect to: provide and manage financial services; process loan, insurance, and investment applications; verify your identity as required by US federal and state regulations (including KYC/AML requirements); communicate with you about your accounts; improve our services; comply with legal obligations under US law (FCRA, GLBA, Dodd-Frank Act); and prevent fraud and unauthorized transactions.

3. Disclosure of Your Information

We may share your information with: financial institutions, credit bureaus (Experian, Equifax, TransUnion), insurance carriers, investment brokers, payment processors, government regulators (SEC, FINRA, CFPB, FTC), legal authorities when required by law, and service providers who assist in our operations under confidentiality agreements.

We do not sell your personal information to third parties. Under the California Consumer Privacy Act (CCPA) and other US state laws, you have the right to opt-out of any sale of personal information.

4. Data Security

We implement industry-standard security measures including 256-bit SSL encryption, firewalls, intrusion detection systems, regular security audits, employee background checks, and secure data centers compliant with SSAE 18 standards. However, no method of transmission over the Internet is 100% secure.

5. Your Privacy Rights (US Residents)

Under the Gramm-Leach-Bliley Act (GLBA): You have the right to opt-out of certain information sharing with non-affiliated third parties.

Under the Fair Credit Reporting Act (FCRA): You have the right to dispute inaccurate information in your credit reports and obtain a free copy of your credit report annually.

Under the California Consumer Privacy Act (CCPA): California residents have the right to request disclosure of personal information collected, request deletion of personal information, opt-out of the sale of personal information, and non-discrimination for exercising these rights.

To exercise your rights: Call +1 (800) 555-0198, email privacy@endtoendfinance.com, or write to 123 Financial District, Suite 400, New York, NY 10005.

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance user experience, analyze trends, administer the website, and track users' movements. You can control cookies through your browser settings.

7. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors. If we discover such information, we will delete it immediately.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these sites. We encourage you to read their privacy policies.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations (typically 5-7 years for financial records as required by US federal law), resolve disputes, and enforce agreements.

10. International Data Transfers

Your information may be transferred to and maintained on servers located outside your state or country. By using our services, you consent to such transfers.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Material changes will be notified via email or prominent notice on our website at least 30 days before the effective date.

12. Contact Information

For questions or concerns about this Privacy Policy or your data privacy rights:
Email: info@endtoendfinanceservice.info
Phone: +91 9301103314
Address: Dantewada, Chhattisgarh — 494441

This Privacy Policy is governed by the laws of the United States and the State of New York, without regard to conflict of law principles.

Effective Date: January 1, 2026

BY ACCESSING OR USING END-TO-END FINANCE SERVICE ("COMPANY," "WE," "OUR," OR "US"), YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE, DO NOT USE OUR SERVICES.

1. Services Provided

End-To-End Finance Service provides financial advisory and facilitation services including loans, insurance, investments, digital payments, home warranty, and debt relief. We act as a facilitator and advisor; actual financial products are provided through our partner institutions licensed to operate in the United States. All services are subject to credit approval and underwriting guidelines.

2. Eligibility

You must be at least 18 years of age and a legal resident of the United States to use our services. By using our services, you warrant that you meet this eligibility requirement. We may require proof of identity, residency, and legal status under applicable US federal and state laws.

3. Information Accuracy & Disclosure

While we strive to provide accurate and up-to-date information, we make no warranties regarding the completeness or accuracy of any financial information provided. All financial decisions should be made after consulting with our certified advisors. You are responsible for providing truthful, accurate, and complete information. False statements may constitute fraud under US federal law (18 U.S.C. § 1344).

4. Fair Credit Reporting Act (FCRA) Compliance

As part of our services, we may obtain consumer reports about you from credit bureaus (Experian, Equifax, TransUnion). You authorize us to obtain such reports. You have the right to dispute inaccurate information and obtain a free copy of your credit report annually at www.annualcreditreport.com.

5. Gramm-Leach-Bliley Act (GLBA) Privacy

We are committed to protecting your non-public personal information as required by the GLBA. Our privacy practices are detailed in our Privacy Policy. You have the right to opt-out of certain information sharing with non-affiliated third parties.

6. Truth in Lending Act (TILA) Disclosure

For loan products, you will receive clear disclosure of annual percentage rates (APR), finance charges, total payments, and repayment terms before signing any agreement. You have the right to rescind certain loan transactions within 3 business days as provided under federal law.

7. Electronic Signatures & Records

By using our services, you agree to conduct transactions electronically. You consent to receive electronic disclosures, notices, and records. You may request paper copies at no charge. Under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), electronic signatures have the same legal effect as handwritten signatures.

8. Fees & Payments

All fees will be clearly disclosed before you commit to any service. We do not charge hidden fees. Late payments, defaults, or early repayment may incur additional charges as specified in your agreement with the financial product provider. All payments are processed in US Dollars (USD).

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, END-TO-END FINANCE SERVICE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL. OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID BY YOU FOR THE SPECIFIC SERVICE IN QUESTION DURING THE 12 MONTHS PRECEDING THE CLAIM. SOME STATES DO NOT ALLOW LIMITATIONS ON INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU.

10. Indemnification

You agree to indemnify, defend, and hold harmless End-To-End Finance Service from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from your violation of these Terms, your use of our services, or your violation of any third-party rights or applicable laws.

11. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of New York, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in New York County, New York, and you consent to personal jurisdiction therein.

12. Arbitration Agreement & Class Action Waiver

Any dispute arising from these Terms or your use of our services shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. YOU AGREE TO WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION. Judgment on the arbitration award may be entered in any court having jurisdiction. The arbitrator may award the same damages and relief as a court, but must follow these Terms.

13. Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason including breach of these Terms. Upon termination, your right to use our services ceases immediately.

14. Modifications to Terms

We may modify these Terms at any time. Material changes will be notified via email or prominent notice on our website at least 30 days before the effective date. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and End-To-End Finance Service regarding our services, superseding any prior agreements.

17. Contact Information

For questions regarding these Terms:
Email: info@endtoendfinanceservice.info
Phone: +91 9301103314
Address: Dantewada, Chhattisgarh — 494441

These Terms were last updated on January 1, 2026.