​

Biz by Aroon Fintech ("Platform") is operated by Aroon Fintech Private Limited, a company incorporated under the laws of India, together with its subsidiaries, affiliates, associated entities, representative offices, branches, and local operating companies established from time to time (collectively referred to as "Aroon Fintech").

​

Biz by Aroon Fintech is a global business finance marketplace and business advisory platform. Unless expressly stated otherwise, Biz by Aroon Fintech is not a bank, deposit-taking institution, lender, finance company, investment fund, payment institution, or insurer.

​

Our primary role is to facilitate introductions between businesses and independent third-party financial institutions, lenders, investors, trade finance providers, insurers, advisory firms, and other financial service providers.

​

Availability of products and services varies by jurisdiction and is subject to applicable laws, regulatory approvals, local licensing requirements, partner availability, eligibility criteria, and credit assessment.

​

General Regulatory Disclaimer

Unless specifically stated on the relevant country-specific website, product page, or written agreement:

• Biz by Aroon Fintech does not itself lend money.

• We do not guarantee funding or financing approval.

• Financing decisions are made solely by independent funding providers.

• Interest rates, fees, repayment terms, collateral requirements, and approval criteria are determined exclusively by the relevant provider.

• Certain services may only be available through appropriately licensed partner institutions.

• Some products may not be available in every country or territory.

• Nothing on this Platform constitutes an offer to provide regulated financial services where such services require authorisation that has not been obtained.

​

United States Disclaimer

Services made available to businesses located in the United States are provided only to the extent permitted under applicable federal, state, and local laws.

Unless expressly stated otherwise:

• Biz by Aroon Fintech is not a federally insured bank.

• We are not a credit union.

• We are not a licensed lender in the United States.

• We do not originate commercial loans in our own name.

• We do not accept customer deposits.

• We do not provide investment advisory services unless separately authorised.

• We may introduce businesses to banks, commercial lenders, alternative finance providers, SBA lenders, equipment finance providers, factoring companies, private credit funds, and other authorised financial institutions.

​

Certain products may only be available through licensed financial institutions or authorised partners.

​

Availability may differ by state, and additional registrations or licences may be required before specific services are offered.

 

India Disclaimer

Biz by Aroon Fintech is operated by Aroon Fintech Private Limited, incorporated in India.

Unless expressly disclosed:

• Biz by Aroon Fintech is not a bank.

• We are not a Non-Banking Financial Company (NBFC).

• We are not a Housing Finance Company (HFC).

• We do not accept public deposits.

• We do not issue regulated lending products in our own capacity.

• We operate as a business finance marketplace, introducer, intermediary, consultant, and advisory platform.

Loans, trade finance facilities, invoice finance, supply chain finance, equipment finance, and other financial products are offered by authorised banks, NBFCs, financial institutions, and regulated partners, subject to their independent approval processes.

​

European Economic Area (EEA) Disclaimer

Services within the European Economic Area are offered only where permitted by applicable European Union legislation and the national laws of individual Member States.

Unless specifically stated:

• Biz by Aroon Fintech is not authorised as a credit institution.

• We are not authorised to accept deposits.

• We do not provide regulated banking services.

• We do not act as an investment firm unless separately authorised.

• We do not issue financial products in our own name.

​

Where required by law, regulated activities will be carried out only by appropriately authorised financial institutions or licensed partners.

​

Certain services may not be available in every EU Member State.

​

United Kingdom Disclaimer

For customers located in the United Kingdom:

Unless otherwise disclosed, Biz by Aroon Fintech acts solely as a business finance marketplace, introducer, or commercial finance intermediary.

​

Where regulated activities require authorisation under UK law, such services will only be carried out through appropriately authorised firms or by entities holding the necessary regulatory permissions.

​

Availability of finance is subject to lender assessment, affordability, creditworthiness, and applicable legal requirements.

 

Middle East Disclaimer

Services provided within the Middle East are subject to local financial services legislation applicable in each jurisdiction.

Unless otherwise stated:

• Biz by Aroon Fintech is not licensed as a bank within Middle Eastern jurisdictions.

• We do not accept deposits.

• We do not provide regulated banking services.

• Financing is provided only by authorised financial institutions, banks, investment companies, or licensed finance providers.

​

Certain products may require additional regulatory approvals before being offered in specific countries.

​

Islamic Finance Disclaimer

Biz by Aroon Fintech recognises the importance of Shariah-compliant financing for eligible businesses.

Where available, we may introduce customers to independent Islamic banks, Islamic finance institutions, or Shariah-compliant financing providers offering products such as:

• Murabaha;

• Ijara;

• Musharakah;

• Mudarabah;

• Wakalah;

• Salam;

• Istisna;

• Sukuk-related financing; and

• other Islamic finance structures.

Biz by Aroon Fintech does not independently certify that any product is Shariah compliant.

​

Determination of Shariah compliance is made solely by the relevant Islamic financial institution and its appointed Shariah Supervisory Board or recognised Islamic scholars.

​

Customers seeking Islamic finance should independently verify the suitability of any proposed financing structure.

 

Australia Disclaimer

Services relating to Australian businesses are provided only where permitted under applicable Australian law.

Unless expressly stated:

• Biz by Aroon Fintech is not an Australian authorised deposit-taking institution (ADI).

• We are not a licensed bank.

• We do not independently provide regulated credit products.

• Commercial finance is offered through appropriately authorised lenders and finance providers.

​

Certain activities may require an Australian Credit Licence (ACL) or Australian Financial Services Licence (AFSL), and regulated activities will only be undertaken where the necessary authorisations are in place.

​

Hong Kong Disclaimer

Services relating to Hong Kong businesses are provided subject to applicable Hong Kong laws.

Unless otherwise disclosed:

• Biz by Aroon Fintech is not a licensed bank in Hong Kong.

• We do not accept deposits.

• We do not independently issue regulated lending products.

• Financing products are offered by appropriately authorised financial institutions or commercial finance providers.

Where licences issued by the Hong Kong Monetary Authority (HKMA) or the Securities and Futures Commission (SFC) are required, regulated activities will only be undertaken through appropriately authorised entities.

​

Singapore Disclaimer

Services relating to Singapore are offered subject to applicable Singapore laws.

Unless expressly stated:

• Biz by Aroon Fintech is not a bank licensed in Singapore.

• We are not a finance company.

• We are not a deposit-taking institution.

• We do not independently issue regulated financing products.

Business finance solutions are offered through appropriately authorised financial institutions and regulated partners where required.

​

Activities regulated by the Monetary Authority of Singapore (MAS) will only be conducted where the necessary approvals or exemptions apply.

​

South Africa Disclaimer

Services relating to South African businesses are provided in accordance with applicable South African legislation.

Unless otherwise stated:

• Biz by Aroon Fintech is not a registered bank in South Africa.

• We do not independently provide regulated lending products.

• Financing solutions are offered through authorised financial institutions and licensed partners.

​

Where activities require registration with the National Credit Regulator (NCR), Financial Sector Conduct Authority (FSCA), or other competent authorities, such activities will only be undertaken through appropriately authorised entities.

 

Future Licensing and Local Operations

As Aroon Fintech expands globally, local subsidiaries, branches, representative offices, joint ventures, or affiliated entities may be established in various jurisdictions.

​

Where local licences, registrations, authorisations, approvals, or regulatory permissions are obtained, the applicable country-specific website, legal documentation, or product information will identify the relevant operating entity and its regulatory status.

​

Until such time, services shall be limited to those that may lawfully be provided by Aroon Fintech under applicable laws and through authorised third-party financial institutions and partners.

​

No Regulatory Endorsement

References to regulators, regulatory frameworks, licences, registrations, or legal requirements are provided solely for informational purposes.

​

Nothing contained on this Platform should be interpreted as indicating that Biz by Aroon Fintech has obtained any licence, authorisation, approval, registration, or endorsement unless expressly stated in writing.

​

Users should not assume that a particular service is available in their jurisdiction or that Aroon Fintech holds any specific regulatory approval unless expressly confirmed by the relevant Aroon Fintech entity.

​

Users are responsible for ensuring that their use of the Platform complies with the laws applicable in their jurisdiction.