Terms And Conditions

 

Last Updated: 25-01-2026​

​

Welcome to Fintech Shield. These Terms and Conditions govern your access to and use of the website, available at https://www.fintechshield.co.in, including all content, tools, services, features, and user interactions. By accessing, visiting, browsing, or using this website in any manner, whether or not you choose to accept cookies, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions. If you do not agree to any part of these Terms, you must discontinue access to and use of the website immediately.

​

1. Definitions

​

• "Website" refers to Fintech Shield (https://www.fintechshield.co.in).

​

• "User," "You," "Your" refers to any individual accessing or using the website.

​

• "We," "Us," "Our" refers to Fintech Shield and its owner, Kalyan Bhattacharjee.

​​

​

2. Use of the Website​

​

• You must be at least 18 years old or have parental consent to use this website.

​

• You agree not to use the website for any unlawful purpose or in violation of these Terms.

​

• You will not post or promote external links or websites in comments or otherwise without written permission by mail or in paper from the website owner.

​

• You will not spam or upload any suspicious, malicious, banned, or harmful material on this site.

​

• You will not use this site for any malicious or nefarious purpose.

​

• You are responsible for ensuring the security of your login credentials if you register an account.

​​

​

3. Intellectual Property Rights

​

• Unless otherwise stated, all content, materials, and intellectual property available on Fintech Shield, including but not limited to text, blogs, articles, images, graphics, logos, design elements, tools, software, videos, source code, downloadable materials, and website layout, are the exclusive property of Fintech Shield and/or its owner Kalyan Bhattacharjee, or are lawfully licensed for use from third parties, partners, sponsors, or brands we have worked with. Such content is protected by applicable intellectual property laws, including copyright, trademark, and other proprietary rights under Indian and international laws.

 

• Users are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the content solely for personal, non-commercial, informational, and educational purposes. You may not copy, reproduce, republish, redistribute, transmit, sell, sublicense, modify, scrape, data-mine, reverse-engineer, or exploit any content, tools, or materials from this website, in whole or in part, without prior explicit written permission from Fintech Shield.

 

• Any unauthorized use, reproduction, plagiarism, misrepresentation of ownership, or commercial exploitation of content belonging to Fintech Shield or its licensors may result in immediate termination of access, removal of content, and appropriate legal action under applicable laws. Guest posts, sponsored content, and third-party materials published on the website remain subject to the intellectual property rights and usage terms agreed upon at the time of publication.

 

• Nothing contained on this website shall be construed as granting any license or right to use any trademark, logo, brand name, or proprietary material displayed on Fintech Shield without prior written consent from the rightful owner.

​​

4. Services, Paid Collaborations & Communications

​

• Fintech Shield may, at its discretion, offer or engage in paid or unpaid services, including but not limited to guest post publication, sponsored content, backlink placement, brand mentions, advertisements, partnerships, or other promotional collaborations. All such services shall be governed by mutually agreed written communication, including email correspondence exchanged through Fintech Shield’s official communication channels.

​

• Written communication exchanged via official email addresses, which clearly outlines the scope of work, pricing, deliverables, and any applicable timelines, may be considered valid for service-related understanding under applicable Indian laws. However, Fintech Shield shall not be bound by incomplete, ambiguous, conditional, or open-ended discussions that lack confirmation of final terms or are not acted upon within the timeframe specified below.

​

• Fintech Shield shall not be bound by any verbal agreements, informal conversations, screenshots, assumptions, or retrospective claims regarding pricing, timelines, or service commitments. Failure by a third party to confirm services, place an order, make payment, or provide required responses within a period of forty-five (45) days from the date of the last written communication shall automatically render any prior discussion, quotation, or understanding null and void. Fintech Shield shall not be obligated to honor expired, outdated, or unconfirmed offers, pricing, or terms at any future date, regardless of subsequent changes in website authority, metrics, or market value.

​

• All guest posts, backlinks, sponsored content, or promotional placements provided by Fintech Shield are granted strictly as agreed at the time of publication. Any attempt by a third party to manipulate, redirect, cloak, mask, forward, transfer, or otherwise alter the destination URL, link behavior, anchor intent, or link equity, whether directly or indirectly, and whether through technical, deceptive, or black-hat techniques, shall constitute a material breach of these Terms. In such cases, Fintech Shield reserves the unrestricted right to modify, nofollow, disable, or permanently remove the content or backlink without prior notice, refund, or liability.

​

• Fintech Shield does not permit the resale, redistribution, brokering, or misrepresentation of its services, content, links, or placements by unauthorized third parties. Any individual or entity falsely claiming to represent Fintech Shield or engaging in fraudulent, misleading, or bad-faith service negotiations shall bear full legal responsibility for their actions.

 

• All services are provided on a best-effort basis and do not include any guarantees regarding search engine rankings, domain authority, traffic, revenue, indexing, or SEO outcomes. Fintech Shield and Kalyan Bhattacharjee shall not be liable for any losses, disputes, or claims arising from misuse, alteration, third-party manipulation, or misrepresentation of services after delivery.

​​

​

5. Official Communication & Anti-Impersonation Disclaimer​​

​

• Fintech Shield and its owner, Kalyan Bhattacharjee, communicate only through the following official email addresses: fintechshield@gmail.com and ceo@fintechshield.co.in. Any official communication, service discussion, collaboration, sponsorship, payment-related information, or notice initiated by Fintech Shield shall originate exclusively from these email addresses.

​

• Users are strictly advised not to entertain, respond to, or engage with any communication claiming to represent Fintech Shield or its owner that originates from any other email address, domain variation, altered spelling, or modified format, including but not limited to the addition or substitution of characters such as dots (.), hyphens (-), underscores (_), plus signs (+), numbers, or similar variations. Communication initiated through unsolicited messages, phone calls, messaging applications, social media, online video calls, or other unofficial channels should be treated as fraudulent.

 

• Fintech Shield does not initiate official communication through phone calls or video calls unless prior notice and contact details are explicitly shared through one of the official email addresses listed above. In the event of any change to official communication channels, such updates will be formally notified only via these verified email addresses.

 

• Fintech Shield and Kalyan Bhattacharjee shall not be held responsible or liable for any loss, damage, fraud, or harm arising from phishing, hacking, impersonation, or fraudulent activities carried out by third parties falsely claiming association with the platform. Users acknowledge that it is their responsibility to remain vigilant, verify communication sources word-by-word, and avoid engaging with any suspicious or unauthorized communications.

 

• Spammers, scammers, or malicious actors may attempt to impersonate Fintech Shield or its owner for nefarious purposes. Users are solely responsible for exercising due diligence and must immediately disregard and report any such impersonation attempts.

​​​

​​​​

6. User-Generated Content

​

• Users may post comments, reviews, or other content where permitted.

​

• Any kind of hate speech and promotion of any kind of social, religious, political, racial, or controversial issues or topics in any manner is strictly prohibited. Anyone found involved in such practices shall be immediately banned from this website without any prior notice.

​

• By submitting content, you grant us a non-exclusive, royalty-free license to use, reproduce, and distribute such content.

​

• We reserve the right to remove any content that violates these Terms or is deemed inappropriate.

​​

​

7. Privacy Policy

 

​Your use of the website is also governed by our Privacy Policy, available at : https://www.fintechshield.co.in/privacy-policy

​​

​

8. Affiliate Marketing & Advertisements

​​

• We participate in affiliate marketing programs, and our website may contain affiliate links. We are only promoting and providing information and links to various products in our affiliate program, but we do not guarantee or take any kind of liability or responsibility for the product quality, quantity, price, hidden charges, delivery, cancellation, or other issues. These matters are handled by the respective affiliate provider or third parties. We are only affiliate marketers.

​

• We use Google AdSense to display ads on our site. You acknowledge and consent to Google’s ad-serving policies.

​

• We also use other ad-serving programs to display ads on our site. You acknowledge these ad-serving policies.

​​

​

9. Cookies & Tracking Technologies

​​

• Fintech Shield uses cookies and similar tracking technologies to enhance user experience, analyze website performance, improve functionality, and understand how visitors interact with the website. Cookies may include essential cookies required for basic site operation, as well as analytical or performance-related cookies used to monitor traffic and usage patterns.

 

• By accessing, browsing, or using this website, you acknowledge and consent to the use of cookies and tracking technologies in accordance with our Privacy Policy. Users may choose to manage, restrict, or disable cookies through their browser or device settings; however, doing so may affect certain features, functionality, or performance of the website.

 

• Fintech Shield does not guarantee that the website will function optimally if cookies or tracking technologies are disabled. Continued use of the website after cookie preferences are set or modified constitutes acceptance of such use under these Terms and Conditions and the Privacy Policy.​​

​​

​

10. Educational & Informational Disclaimer

​

• All the blogs, videos, and articles we provide on this website are only for educational and informational purposes.

​

• Kalyan Bhattacharjee, the owner and ceo of this website, takes no responsibility for any decisions taken by the user solely based on the information provided here.

​

• We do not guarantee the accuracy, completeness, or reliability of the content on our website.

​

• We do not take any responsibility or liability for the accuracy, content, completeness, legality, or reliability of the information contained on the website.

​

• All information, views, and opinions expressed in the text, blogs, articles, and videos on this website are personal interpretations based on the latest news reports, research, and studies from different books, media, and the internet.

​

• We cannot be held responsible for any losses, consequences, miscommunication, financial losses, misinformation, or any action taken by any individual or group based on the information provided here.

​

• Users' and viewers' discretion is advised.

​

• By accessing and using this website, you accept, without limitation or qualification, these Terms and Conditions.

​​

​

11. Limitation of Liability

​

• The content, tools, services, calculators, password generators, information, and materials provided on Fintech Shield are offered on an “as-is” and “as-available” basis, without any warranties, representations, or guarantees of any kind, whether express or implied. While we strive to provide accurate and up-to-date information, we do not warrant or guarantee the accuracy, completeness, reliability, suitability, or availability of any content, tools, or services on this website.

​

• To the fullest extent permitted by applicable law, Fintech Shield, its owner, affiliates, partners, or contributors shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of data, revenue, profits, business, reputation, or opportunities, arising out of or in connection with the use of, inability to use, reliance upon, or performance of the website, its content, tools, services, third-party links, or user-generated content, even if advised of the possibility of such damages.

​

• Users acknowledge and agree that any use of the website is undertaken entirely at their own risk, and Fintech Shield shall not be responsible for any decisions, actions, or outcomes resulting from reliance on the information or tools provided on the site.

​​​

12. Indemnification

​

You agree to indemnify, defend, and hold harmless Fintech Shield, its owner, affiliates, partners, contributors, and representatives from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable legal fees and court costs) arising out of or related to your use of the website, your violation of these Terms and Conditions, applicable laws, or the rights of any third party.

​

This includes, but is not limited to, claims arising from:

​

• Content, comments, images, links, or other materials submitted, posted, uploaded, or shared by you on the website;

• Any attempt to bypass security, moderation, or filtering systems;

• Unauthorized use, copying, scraping, plagiarism, or misrepresentation of content or tools available on Fintech Shield;

• Use of the website or its tools for illegal, harmful, misleading, or prohibited activities;

• Any interaction with third-party links, services, or content accessed through the website.

 

Fintech Shield reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification, and you agree to fully cooperate with such defense. This indemnification obligation shall survive the termination or expiration of your access to the website and these Terms and Conditions.

​

​

13. Third-Party Links, Images, and Content

​

The Fintech Shield website may contain links, images, embeds, advertisements, tools, or content originating from or pointing to third-party websites, services, or resources. Such third-party content is provided solely for informational or convenience purposes and does not constitute endorsement, approval, sponsorship, or recommendation by Fintech Shield. We have no control over, and assume no responsibility for, the accuracy, availability, legality, security, content, privacy practices, or policies of any third-party websites or services.

​

Users acknowledge and agree that accessing, visiting, or interacting with any third-party links, images, or content is done entirely at their own risk. Fintech Shield shall not be held liable for any loss, damage, harm, data compromise, or consequences arising directly or indirectly from the use of or reliance upon any third-party content, websites, products, or services, including those accessed through user-generated content, comments, images, or external references on this website.

​​​​​​

​

14. Prohibited Content & Use

​

Users, members, and visitors of Fintech Shield agree to use the website, its content, tools, features, and services strictly in good faith and for lawful, ethical, and educational purposes only. Any misuse, abuse, or unauthorized exploitation of the platform is strictly prohibited.

​

Without limitation, users must not:

​

• Use any information, content, tools, or services available on Fintech Shield for illegal, fraudulent, deceptive, harmful, or nefarious purposes, including but not limited to activities that violate applicable laws, regulations, or third-party rights.

​

• Attempt to bypass, manipulate, reverse-engineer, disable, or interfere with the website’s security measures, moderation systems, spam filters, access controls, or technical safeguards, whether manually or through automated means.

​

• Upload, post, embed, share, or distribute any form of spam, promotional, affiliate, misleading, malicious, or unsolicited content, including links, images, text, code, or media intended to artificially gain traffic, backlinks, visibility, or commercial advantage.

​

• Publish or promote content related to gambling, betting, casinos, adult material, illegal services, phishing, malware, scams, or any other restricted or harmful categories through comments, user profiles, images, or any user-generated sections of the site.

​

• Use image-based, obfuscated, hidden, or deceptive techniques (including embedded text, links, QR codes, or microtext within images) to conceal promotional or malicious content from moderation systems or search engines.

​

• Copy, scrape, reproduce, republish, redistribute, modify, or claim ownership of any content, tools, designs, text, images, or intellectual property available on Fintech Shield, in whole or in part, without explicit written permission. Plagiarism or misrepresentation of ownership is strictly prohibited.

​

• Use the platform in a manner that disrupts, degrades, or negatively impacts the website’s performance, integrity, reputation, user experience, or trustworthiness.

​

Fintech Shield reserves the right to moderate, remove, restrict, or permanently block any content, account, or user activity that violates this section, without prior notice. Repeated or severe violations may result in immediate account termination and access bans, at Fintech Shield’s sole discretion.

​​​

​​

15. Termination of Use​​

​​

Fintech Shield reserves the unrestricted right, at its sole and absolute discretion, to suspend, restrict, limit, or permanently terminate any user’s access to the website, user account, membership, comments, tools, services, or any part thereof, at any time and without prior notice. Such action may be taken if we believe, suspect, or determine that a user has violated these Terms and Conditions, engaged in prohibited or unlawful activities, attempted to bypass security or moderation systems, misused the platform, or acted in a manner that is harmful to the website, its users, or its reputation. Fintech Shield shall not be liable for any loss, damage, or consequence arising from such suspension or termination, and any such decision shall be final and binding.​

​

16. Updates to Terms & Binding Acceptance

​

Fintech Shield reserves the right to modify, amend, update, or replace these Terms and Conditions at any time, at its sole discretion. Any such changes will be effective immediately upon being posted on this page. By accessing, visiting, browsing, using, or continuing to use this website in any manner, you acknowledge that you have read, understood, and agreed to be legally bound by the then-current version of these Terms and Conditions. We may, but are not obligated to, provide prior notice of any updates or changes. It is the responsibility of users to review this page periodically for updates, and continued use of the website constitutes unconditional acceptance of any revised terms.

​

​​​

17. Governing Law & Jurisdiction

 

These Terms and Conditions, and any dispute, claim, controversy, or legal proceeding arising out of or relating to the use of this website, its content, tools, services, or user interactions, shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Users agree that the courts located in Dhanbad, Jharkhand, India, shall have exclusive jurisdiction over all matters arising under or in connection with these Terms and Conditions. By accessing or using this website, you expressly consent to the personal and exclusive jurisdiction of such courts and waive any objection to venue or jurisdiction.

​​

​

18. Contact Information

 

If you have any questions about these Terms, you may contact us at:

Owner and CEO: Kalyan Bhattacharjee
Website: https://www.fintechshield.co.in
Email: fintechshield@gmail.com | ceo@fintechshield.co.in

​

By using our website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.