These Terms of Service ("Terms") govern your access to and use of Bicst Finance, operated by BICST COMPUTER TECHNOLOGY PRIVATE LIMITED ("Company", "we", "us", or "our").
By registering for, accessing, or using Bicst Finance, you agree to comply with these Terms. If you do not agree with any part of these Terms, you should not use the App.
Bicst Finance is a digital financial service platform designed to provide eligible users with access to revolving credit limit features and related services.
The App itself does not guarantee that every user will receive a credit limit or that an existing credit limit will remain unchanged.
Eligibility, available limits, utilization requests, and other services may be subject to verification, assessment, and applicable conditions.
To use Bicst Finance, you must:
We may refuse, suspend, restrict, or terminate access if information provided by you is inaccurate, incomplete, misleading, or inconsistent with applicable requirements.
You may be required to create an account using your mobile number or other information.
You are responsible for:
You are responsible for activity performed through your account unless caused by circumstances outside your reasonable control.
Bicst Finance may provide eligible users with access to a revolving credit limit.
A credit limit represents the maximum amount that may potentially be available for utilization under applicable conditions. It does not constitute a promise that the entire amount will automatically be disbursed.
The available limit may be determined or adjusted based on factors such as:
We may review your eligibility periodically.
Bicst Finance uses a revolving credit model.
When an amount is utilized, the available balance may decrease accordingly. After the utilized amount and applicable charges are repaid, the corresponding available credit may be restored, subject to the applicable terms and eligibility assessment.
Each utilization may be subject to separate review or approval.
Repaying one utilization does not automatically guarantee approval of a subsequent utilization.
Any applicable interest, fees, charges, or other costs will be disclosed to you through the relevant product or transaction information before you proceed, where required by applicable law.
Interest or other charges may be calculated based on the amount utilized and the applicable terms.
You should carefully review the applicable repayment schedule, charges, and other transaction information before confirming a utilization.
You agree to repay all amounts due within the applicable repayment period.
Repayment information may include:
Failure to make payment on time may result in consequences permitted under the applicable agreement and law, including restrictions on future utilization or adjustment of your available credit limit.
Payments may be processed through third-party payment providers, banking partners, or other authorized payment channels.
You are responsible for ensuring that payment information submitted by you is accurate.
A payment may not be considered successfully completed until it has been confirmed by the relevant payment system.
You should retain transaction references or payment receipts where appropriate.
We may require identity, contact, financial, device, or other information to verify your eligibility and provide services.
You agree that information submitted through the App will be accurate, complete, and not misleading.
We may suspend or restrict access where verification cannot be completed or where information appears suspicious, fraudulent, inconsistent, or otherwise unreliable.
You agree not to:
We may take appropriate action against activities that violate these Terms.
We may suspend, restrict, or terminate your account when reasonably necessary, including where:
Where appropriate and legally permitted, we may notify you of the reason for such action.
Termination of App access does not automatically cancel outstanding financial obligations.
Certain App functions may depend on third-party providers, including payment processors, verification providers, financial service providers, telecommunications providers, hosting providers, or other technology partners.
Third-party services may be subject to separate terms and policies.
We are not responsible for interruptions or failures caused solely by third-party systems beyond our reasonable control.
The App, including its software, interface, trademarks, logos, designs, text, graphics, and other content, is owned by or licensed to BICST COMPUTER TECHNOLOGY PRIVATE LIMITED unless otherwise stated.
You are granted a limited, non-exclusive, non-transferable right to use the App for its intended purpose.
You may not copy, reproduce, distribute, modify, sell, lease, reverse engineer, or commercially exploit any part of the App without appropriate authorization.
By using the App, you agree that we may communicate with you electronically where permitted by law.
Electronic communications may include notifications relating to:
Electronic records may be used as evidence of communications and transactions where permitted by applicable law.
We aim to maintain reliable access to Bicst Finance but do not guarantee that the App will always be available, uninterrupted, or error-free.
Access may occasionally be affected by:
We may modify, suspend, or discontinue certain features where reasonably necessary.
Bicst Finance does not guarantee:
Credit-related decisions may change based on eligibility, verification, account activity, repayment behavior, risk assessment, and applicable requirements.
To the maximum extent permitted by applicable law, the Company will not be responsible for losses arising solely from circumstances beyond its reasonable control, including network failures, third-party service interruptions, device problems, unauthorized access caused by the user's failure to protect credentials, or other events outside our reasonable control.
Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.
To the extent permitted by law, you agree to be responsible for losses, claims, liabilities, or expenses arising from your unlawful use of the App, violation of these Terms, fraudulent conduct, or misuse of another person's information.
We may revise these Terms from time to time.
Updated Terms may be published through the App or other appropriate channels. Your continued use of Bicst Finance after the effective date of revised Terms may constitute acceptance of the updated Terms, to the extent permitted by applicable law.
These Terms shall be governed by and interpreted in accordance with the laws applicable in India.
Any dispute arising in connection with these Terms or the use of Bicst Finance shall be subject to the jurisdiction of the competent courts in India, subject to applicable law.
For questions, complaints, support requests, or other matters concerning these Terms, please contact:
BICST COMPUTER TECHNOLOGY PRIVATE LIMITED
Email: help@bicsttech.com
Address: Plot No. 702, Kh No. 115 Ground Floor Near Dayal Market, Alipur, Delhi, Delhi, India - 110036
© 2026 BICST COMPUTER TECHNOLOGY PRIVATE LIMITED