CIN: U67190TN1995PLC030604
  • 8th Floor, No. 2, South Tower, KRM Plaza, Harrington Road

  • Chetpet, Chennai - 600 031.

Terms and Conditions

Terms and Conditions

This section contains the Terms of Use of this Web site. By accessing this Web site and any of its pages.

IMPORTANT: By accessing this Web Site and any of its pages you are agreeing to the terms set out above.

Use of information and materials:

   www.sfltd.in disclaims any obligation to update or correct or provide accuracy in information/content contained in any of the sections under the sfltd website (hereafter referred as the website), whether arising as a result of financial, business or any other developments. The information in any or all of the sections of this website is updated by sfltd.in on a periodic basis which may not be the current /latest date.

   Products and Services referred to in this Web site are offered only in the states mentioned where they may be lawfully offered by smile microfinance limited. The materials on these pages are not intended for use by non-related parties. Smile microfinance limited retains the absolute right to offer such products and services to the beneficiaries.

   By agreeing the Terms and Conditions, you authorize SMILE Microfinance limites and its authorised agents to provide information about various products, offers and services provided by SMILE Microfinance Limited through any mode including telephone calls, SMS, letters etc. You confirm that laws in relation to unsolicited communication referred in "National Do Not Call Registry" as laid down by "Telecom Regulatory Authority of India" will not be applicable for such information/ communication.

Our trademarks and copyright

   The content and information contained within our website or delivered to you in connection with your use of our website is the property of SMILE Microfinance and any other third party (where applicable). The logos that are used and displayed on our website include registered and unregistered Trade Marks of us and other third parties. Nothing on our website should be construed as granting any license or right to use any Trade Marks displayed on our website. We retain all proprietary rights on our website. Users are prohibited from using the same without written permission of SMILE Microfinance Limited of such or such other parties. The materials on this website are protected and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes.

Transmitting over the internet

   Due to the nature of the Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. SMILE Microfinance Limited is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.


   We do not represent or warrant that the Site will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.


   The Company reserves the right to delete, modify, change or discontinue any or all of the information on this website without giving notice to any user, individual, group of individuals, institutions and any such governing bodies.
   I hereby authorize representatives and employees of SMILE Microfinance Limited and its group companies to receive calls, SMS, Email and additional forms of communication with reference to products and promotions.