The information, tools and services provided by Financial Rights & Awareness Foundation (FRAF) are intended for general educational, advisory and awareness purposes only. Users are advised to read and understand this disclaimer carefully.
1. Advisory Nature
- FRAF operates as a Section 8 non-profit foundation providing professional advisory services.
- We are not a bank, NBFC, credit bureau (CIBIL / Experian / Equifax / CRIF), RBI officer, court, government agency or law firm.
- Our advisory content is not a substitute for personalized legal, financial, tax or investment advice from licensed professionals.
2. No Guarantee
- FRAF does not guarantee approval of any loan, credit facility, sanction, or disbursement.
- We do not guarantee a specific improvement in credit score or a specific dispute outcome from CIBIL / Experian / Equifax / CRIF.
- We do not guarantee a favourable ruling in any RBI complaint, DRT case, or property dispute matter.
- Actual outcomes depend on lender policies, credit bureau processes, court rulings, and applicable laws — factors that are entirely outside FRAF’s control.
3. AI-Generated Reports
Our platform uses artificial intelligence to analyze credit reports and generate advisory outputs. AI insights:
- Are based on the data provided and general patterns — not personalized professional advice.
- May contain errors, omissions, or misinterpretations.
- Should always be reviewed by a qualified FRAF advisor before acting.
- Should not be the sole basis for financial or legal decisions.
4. Accuracy of Information
While we make reasonable efforts to keep website content, MRP rates, timelines and product information accurate and up to date, FRAF makes no warranty as to completeness or accuracy. Prices, timelines and process details may change without prior notice.
5. External Links
Our website may contain links to external portals (RBI CMS, credit bureau websites, DRT portal, government websites, etc.). FRAF does not control or endorse the content, accuracy or availability of these external sites and is not liable for their operation.
6. No Attorney-Client Relationship
Legal guidance provided by FRAF advisors is general in nature. It does not create an attorney-client relationship. For personalized legal representation, please engage a licensed advocate.
7. Testimonials & Case Results
Testimonials, case results, and success stories displayed on our website reflect the specific circumstances of those individuals. Past outcomes are not indicative of future results. Every case is unique.
8. Investment & Financial Decisions
Any information about loans, investments, insurance, banking products or financial schemes is educational only. Please consult a SEBI-registered advisor for investment decisions and a chartered accountant for tax decisions.
9. Fraud Warning
FRAF communicates only through info@frafindia.org, +91 83293 74554, and our official website www.frafindia.org. We never ask for OTPs, credit card PINs, or send lucky-draw / prize messages. If you receive any suspicious communication claiming to be from FRAF, please report to info@frafindia.org immediately.
10. Limitation of Liability
To the fullest extent permitted by law, FRAF and its officers, employees, advocates and consultants shall not be liable for any loss, damage or claim arising out of use, misuse, or inability to use our services or website content.
11. Amendments
This disclaimer may be updated periodically. Continued use of our services indicates acceptance of the current disclaimer.