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Unified Payments Interface (UPI)	Epifi Technologies Pvt. Ltd ('Epifi Tech') is a Third-Party App Provider ('TPAP') - and acts as a service provider and participates in UPI through a Payment Service Provider ('PSP') Bank (Federal Bank).
Savings Account and Deposits	Federal Bank offers savings account, fixed deposits and smart deposits to users on the Fi App (through Epifi Tech). Users' savings account and deposits are securely opened with Federal Bank. Epifi Tech itself is not a bank and doesn't hold or claim to have a banking license.
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Loans	Epifi Tech facilitates loan distribution and acts as a lending service provider and/or digital lending application for various Banks, registered NBFCs and NBFC-P2P ('Lenders') List of Lenders. Epifi Tech only provides a platform that enables you to avail instant loans. Epifi Tech is not a lender; neither does it represent to be a lender in its own capacity. The Lenders provide you personal loans as per their policies

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