Compliance, Licenses & Security Architecture

1Corporate & Regulatory Status

InfyFIN is engineered and operated by INFYFIN ADVISORS PRIVATE LIMITED, an incorporated private limited company under the Indian Companies Act, 2013:

• Non-Banking Entity: The Company is a financial technology software provider. It is NOT a bank, NOT an NBFC, and NOT an RBI-authorized deposit-taking institution.
• Non-Fiduciary & Non-Custodial: The Company never accepts customer deposits, executes fund transfers on behalf of users, or holds customer funds in escrow. All monetary balances recorded in the app are purely descriptive representations of user-reported numbers.
• DPIIT Recognized Startup: Formally recognized as an Indian innovation startup under the Startup India initiative.

2Financial Product Agency Compliance

In connection with financial products displayed or facilitated through our platform:

• Agent / Sub-Agent Status: INFYFIN ADVISORS PRIVATE LIMITED operates as an authorized agent, sub-agent, corporate distributor, or referral partner for licensed financial institutions (Banks, NBFCs, IRDAI-registered insurance companies, and AMCs).
• Regulatory Adherence: All referrals, insurance proposals, loan lead generations, and investment facilitations adhere strictly to applicable circulars and regulations issued by the Reserve Bank of India (RBI), Insurance Regulatory and Development Authority of India (IRDAI), and Securities and Exchange Board of India (SEBI).
• Discretionary Issuance: Final sanction of loans, credit card limits, insurance underwriting, and mutual fund allotments remain under the sole regulatory purview and authority of the principal institutions.

3Affiliated Chartered Accountants (CA) Professional Framework

Professional financial services — including Income Tax Return (ITR) filing, accounting, bookkeeping, tax advisory, and statutory corporate compliance management:

• Performed by Independent CAs: All advisory, accounting, and filing services are rendered directly and independently by licensed Chartered Accountants who hold valid Certificates of Practice from the Institute of Chartered Accountants of India (ICAI).
• Statutory Alignment: Affiliated CAs operate in compliance with the Chartered Accountants Act, 1949 and ICAI ethical standards. INFYFIN ADVISORS PRIVATE LIMITED provides the technology marketplace facilitating communication between clients and verified CAs.

4Cryptographic Standards & Technical Security

Our mobile application and portal adhere to strict cryptographic standards:

5Open Source Software Acknowledgments

InfyFIN incorporates reputable open-source libraries under BSD-3-Clause, MIT, and Apache-2.0 licenses (including Flutter SDK, sqflite, flutter_secure_storage, googleapis, and lucide_icons). All third-party copyrights are acknowledged and respected in our software distribution bundles.