Terms & Conditions

Last updated 2 October 2026

1. About these terms

These Terms & Conditions (“Terms”) apply to your use of tiro.finance and the services of Tiro Global Finance (a brand of Pharosys LLP, LLPIN ADB-0181, a limited liability partnership incorporated in India with its registered office at A-202, Geetashree Apartment, Sai Mandir, Navghar, Bassein Road, Manikpur, Vasai (Bassein), Thane - 401202, Maharashtra, India). By submitting an enquiry, creating an account or using the website, you agree to these Terms and to our Privacy & Data Protection Policy. If you do not agree, please do not use the service.

2. Our service

Tiro Global Finance provides information, guidance and application support for education loans for study abroad. We help you understand your options, organise your information and prepare your application for a lending partner of your choice. Our service to students is free of charge - we do not charge students any service fee.

3. Lender decisions

Tiro Global Finance is not a bank, lender or non-banking financial company and does not lend money. All loans are provided by our lending partners (banks and NBFCs), who make every decision on approval, loan amount, interest rate, fees, collateral, co-applicant requirements, KYC and disbursement under their own policies and terms. Any option we suggest is guidance, not an approval, offer or promise of eligibility. Your loan agreement will be directly with the lender.

4. Loan offers and figures shown on our website

Figures shown on our website about the loans available through our lending network - such as maximum loan amounts, collateral-free limits, repayment periods and disbursal times - describe the best published offers of our lending partners, and figures about the scale of our lending network - such as students funded, amounts disbursed, universities and destinations - are totals of our lending partners' own published figures, used with their consent. All of these are taken from information the lenders make publicly available. They are the lenders' figures, not Tiro Global Finance's own lending or performance figures, and Tiro Global Finance does not itself offer these loans. The highest figures apply only to some lenders, products and applicant profiles; the loan you are offered, if any, depends on the lender's eligibility criteria and terms, which can change at any time. Your adviser will confirm the current terms for your profile before you apply.

5. Your agreement and contact preferences

When you submit an enquiry and tick the agreement box, you accept these Terms and our Privacy & Data Protection Policy and agree that we may contact you about your enquiry on the channels you selected (email, phone call, WhatsApp and/or SMS). We will not send marketing messages unless you opt in separately. We share your profile with a lender only when you decide to proceed with that lender. You can change your contact preferences or withdraw your agreement at any time from your account or by contacting us.

6. Your responsibilities

• Give accurate, complete and up-to-date information, and tell us if it changes.
• Submit only your own information, or information you are authorised to share (for example, a co-applicant's, with their permission).
• Keep your account password and authentication codes confidential.
• Do not misuse the website - for example, by attempting unauthorised access, submitting false information or disrupting the service.

7. No guarantee

We do not guarantee any loan, approval, interest rate, loan amount, disbursement timeline, visa, admission or employment outcome. Information on our website is general guidance and is not financial, legal or tax advice.

8. Intellectual property

The Tiro Global Finance name, logo, website design and content belong to Tiro Global Finance. You may use the website for your personal, non-commercial use only. Third-party names and trademarks belong to their owners.

9. Limitation of liability

To the extent permitted by law, Tiro Global Finance is not liable for decisions made by lenders, for changes to lender products or figures, or for any indirect or consequential loss arising from your use of the website. LIABILITY CAP / FURTHER TERMS (lawyer to confirm)Nothing in these Terms limits any rights you have under the Consumer Protection Act, 2019 or other applicable law.

10. Suspension and termination

You may stop using the service and ask us to close your account at any time. We may suspend or close an account that breaches these Terms or is used fraudulently.

11. Complaints and grievances

If you have a complaint, please use our contact form (topic: “Complaint”). Grievance Officer:Rishiraj Makhija (contact via the form or the email in our Privacy & Data Protection Policy). We aim to acknowledge complaints within 48 hours and resolve them within 30 days. Complaints about a loan itself should also be raised with the lender through its grievance process.

12. Changes to these terms

We may update these Terms. The date above shows the latest version; continued use after changes means you accept the updated Terms.

13. Governing law and jurisdiction

These Terms are governed by the laws of India. Courts at Mumbai, Maharashtra shall have jurisdiction, subject to any rights you have to approach consumer forums under applicable law.