1. Introduction

This Risk Disclosure Policy ("Policy") explains the various risks associated with using Biz by Aroon Fintech ("Biz", "Platform", "we", "our", or "us").

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Biz by Aroon Fintech is a global business finance marketplace operated by Aroon Fintech Private Limited, together with the applicable Aroon Fintech entity providing the Services in the relevant jurisdiction.

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By accessing or using the Platform, Users acknowledge that financing transactions involve inherent commercial, financial, legal, operational, technological, and regulatory risks. Users are solely responsible for evaluating these risks and obtaining independent professional advice where appropriate.

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2. Marketplace Risk

Biz by Aroon Fintech operates as a technology-enabled marketplace and financial facilitation platform.

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We are not a bank, not a deposit-taking institution, and not a direct lender, unless expressly stated otherwise for a specific product or jurisdiction.

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Our role is limited to facilitating introductions between Users and independent Funding Providers.

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The ultimate responsibility for financing decisions rests solely with the User and the applicable Funding Provider.

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3. No Guarantee of Finance

Submission of an enquiry or financing application does not guarantee:

• loan approval;

• trade finance approval;

• invoice finance approval;

• project finance approval;

• venture debt approval;

• grant approval;

• equity investment;

• refinancing;

• disbursement;

• favourable commercial terms.

Funding Providers independently determine whether financing will be approved.

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4. Credit Risk

Funding Providers evaluate each application using their own:

• underwriting standards;

• internal credit policies;

• financial analysis;

• risk appetite;

• collateral requirements;

• regulatory obligations.

Applications may be rejected even where Users satisfy indicative eligibility criteria.

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5. Interest Rate and Pricing Risk

Interest rates, financing costs, commissions, fees, charges, repayment schedules, and other commercial terms may vary between Funding Providers.

Rates may change before approval due to:

• market conditions;

• benchmark interest rates;

• credit profile changes;

• lender policies;

• regulatory changes.

Indicative quotations should not be regarded as binding offers.

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6. Foreign Exchange Risk

Where financing involves multiple currencies or cross-border transactions, Users may be exposed to:

• exchange rate fluctuations;

• currency conversion costs;

• settlement risks;

• international banking charges.

Foreign exchange movements may increase the overall cost of financing.

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7. Cross-Border Risk

International financing transactions may involve additional risks including:

• differing legal systems;

• regulatory approvals;

• sanctions restrictions;

• import/export regulations;

• customs requirements;

• withholding taxes;

• local licensing requirements;

• documentary requirements;

• political instability.

Processing times may also be longer for international transactions.

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8. Regulatory Risk

Financial regulations differ across jurisdictions and may change without prior notice.

Changes in law or regulatory policy may affect:

• product availability;

• eligibility;

• documentation requirements;

• transaction structures;

• licensing;

• pricing;

• timelines.

Biz by Aroon Fintech cannot guarantee the continued availability of any product or service.

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9. Third-Party Risk

The Platform connects Users with independent third-party Funding Providers, advisors, insurers, consultants, technology providers, and other Partners.

Biz by Aroon Fintech does not control:

• underwriting decisions;

• customer service standards;

• financial strength;

• operational performance;

• regulatory compliance;

• contractual performance;

• cybersecurity practices.

Users should independently evaluate any Third-Party Provider before entering into contractual arrangements.

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10. Documentation Risk

Incomplete, inaccurate, inconsistent, misleading, or fraudulent documentation may result in:

• delayed processing;

• rejection of applications;

• suspension of Services;

• regulatory reporting;

• legal action.

Users remain solely responsible for ensuring that all submitted information is accurate and complete.

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11. Technology Risk

Although Biz by Aroon Fintech implements commercially reasonable security measures, the use of internet-based platforms carries inherent risks including:

• system outages;

• internet interruptions;

• cyber-attacks;

• malware;

• ransomware;

• phishing attacks;

• unauthorised access;

• data loss;

• software defects.

No technology platform can guarantee uninterrupted availability or complete security.

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12. Cybersecurity Risk

Users should maintain appropriate cybersecurity practices, including:

• protecting login credentials;

• using strong passwords;

• enabling multi-factor authentication where available;

• avoiding phishing attempts;

• promptly reporting suspected unauthorised activity.

Biz by Aroon Fintech shall not be responsible for losses arising from compromised User credentials caused by the User's own negligence.

 

13. Business Risk

Financing may not improve business performance.

Borrowing funds may increase financial obligations and could adversely affect:

• cash flow;

• profitability;

• debt servicing capacity;

• credit profile;

• business operations.

Users should carefully assess their ability to meet repayment obligations before accepting financing.

 

14. Security and Collateral Risk

Certain financing products may require:

• personal guarantees;

• corporate guarantees;

• charges over assets;

• mortgages;

• pledges;

• assignments;

• other forms of collateral.

Failure to meet repayment obligations may result in enforcement action, asset recovery, or other contractual remedies exercised by the Funding Provider.

 

15. Information Risk

Information made available through the Platform is provided for general informational purposes only.

Although reasonable efforts are made to maintain accuracy, Biz by Aroon Fintech does not warrant that all information is complete, current, or free from errors.

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Users should independently verify material information before relying upon it.

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16. No Financial Advice

Unless expressly agreed under a separate written advisory engagement, Biz by Aroon Fintech does not provide:

• investment advice;

• legal advice;

• tax advice;

• accounting advice;

• financial planning advice;

• fiduciary services.

Users should obtain independent professional advice before making financing or commercial decisions.

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17. Commission Disclosure

Biz by Aroon Fintech may receive commissions, referral fees, brokerage, success fees, technology fees, or other forms of remuneration from Funding Providers, Users, or both.

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The existence of such remuneration does not constitute a recommendation that a particular Funding Provider or financing product is more suitable than another.

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18. Limitation of Responsibility

Biz by Aroon Fintech does not guarantee:

• financing approval;

• lender participation;

• funding availability;

• pricing;

• interest rates;

• repayment terms;

• completion of transactions;

• financial outcomes;

• commercial success.

All commercial decisions remain the responsibility of the User.

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19. User Acknowledgement

By using the Platform, the User acknowledges and agrees that:

• financing involves commercial risk;

• losses may occur;

• financing products may not be suitable for every business;

• independent professional advice may be necessary;

• Biz by Aroon Fintech acts as a marketplace, introducer, facilitator, intermediary, advisor, or technology platform, and not as a direct lender unless expressly stated otherwise.

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The User further confirms that they understand the risks described in this Policy and accept full responsibility for all financing and commercial decisions made through or in connection with the Platform.

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20. Contact Us

For questions regarding this Risk Disclosure Policy, please contact:

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Biz by Aroon Fintech
Operated by Aroon Fintech Private Limited, together with the applicable Aroon Fintech entity providing the Services.

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Email: support@aroonfintech.com

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Website: https://biz.aroonfintech.com

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This Risk Disclosure Policy should be read together with our Terms & Conditions, Privacy Policy, AML/KYC Policy, Partner Disclosure, Cookie Policy, Disclaimer, and all other legal notices published on the Platform.