Terms of Service

Acceptance of Terms

These Terms form a legally binding agreement between you (“you”, “your”, the “Subscriber” or “User”) and DSA Sarthi (“we”, “us”, “our” or the “Company”). By accessing or using the platform, the website at dsasarthi.cloud, our mobile/web applications or any related services (collectively, the “Service”), you agree to be bound by these Terms.

If you do not agree with any part of these Terms, you must not access or use the Service.

Definitions

• “DSA” means a Direct Selling Agent, loan consultant, connector or financial intermediary who uses the Service to manage their business.
• “Platform” or “Website” refers to the website at www.dsasarthi.cloud and our related web/mobile applications where the Service is made available.
• “Account” means the registered workspace created for you when you sign up.
• “Customer Data” means any data, including lead and borrower information, that you or your sub-users upload to or generate within the Service.
• “Sub-DSA” means any team member or partner you invite to operate under your Account.
• “Subscription” means a paid plan that grants access to the Service for a defined billing period.
• “Transaction” means an order or request placed by you to purchase a Subscription or any product/service offered on the Platform by paying the Transaction Amount.
• “Transaction Amount” means the amount payable by you in connection with a Transaction.
• “Payment Instrument” includes a credit card, debit card, bank account, prepaid payment instrument, Unified Payment Interface (UPI), Immediate Payment Service (IMPS), net banking or any other payment method made available by banks and financial institutions from time to time.

Eligibility

To use the Service, you must:

• Be at least 18 years of age and competent to enter into a contract under the Indian Contract Act, 1872.
• Use the Service for a lawful business purpose connected to financial services, lending, insurance or allied DSA activities.
• Provide accurate, current and complete information during registration and keep it updated.

We may refuse, suspend or terminate access if we reasonably believe you do not meet these criteria.

Account & Registration

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Account, including the actions of any Sub-DSA you invite.

• You must notify us immediately of any unauthorised use of your Account or any other breach of security.
• You are responsible for ensuring that your Sub-DSAs comply with these Terms.
• One Account is intended for one business entity; sharing credentials across unrelated businesses is not permitted.

We are not liable for any loss or damage arising from your failure to safeguard your credentials.

Free Trial & Subscriptions

We offer a 15-day free trial with access to features as described at the time of sign-up. No credit card is required to start the trial.

• At the end of the trial, you may choose a paid Subscription to continue using the Service. If you do not subscribe, your access may be limited, paused or your Account may be deactivated.
• We reserve the right to modify trial duration, features and eligibility at any time.
• Trials are intended for genuine evaluation; repeatedly creating new Accounts to obtain successive trials is not permitted.

Fees, Billing & Refunds

Subscription fees, plan inclusions and billing cycles are described on our pricing page or in your order. Unless stated otherwise:

• Fees are quoted in Indian Rupees (₹) and are exclusive of applicable taxes such as GST, which will be added where required.
• Subscriptions may renew automatically for the same period unless cancelled before the renewal date.
• Payments are processed through third-party payment gateways using your chosen Payment Instrument; by paying, you also agree to the gateway's terms. You must provide accurate payment details and use only legitimate, lawful sources of funds.
• Except where required by law, fees already paid are non-refundable. Any refund or pro-rata credit is at our sole discretion.

Acceptable Use & Prohibited Actions

You may not access or use the Platform for any purpose other than that for which we make it available. In particular, you agree not to:

• Violate any applicable law, regulation or third-party right, including RBI guidelines, fair-practices codes and lending regulations.
• Upload or process personal data without a lawful basis or the necessary consent of the data subject.
• Systematically retrieve data or content from the Platform to create or compile, directly or indirectly, a collection, compilation, database or directory without our written permission.
• Make any unauthorised use of the Platform, including collecting usernames or email addresses to send unsolicited communications, or creating accounts by automated means or under false pretenses.
• Send unsolicited, deceptive or spam communications, or messages that breach WhatsApp/telecom regulations (including TRAI DLT requirements).
• Circumvent, disable or interfere with security-related features of the Platform, including features that restrict the use or copying of any content.
• Trick, defraud or mislead us or other users, or attempt to learn sensitive account information such as passwords.
• Engage in any automated use of the system, such as using scripts, robots, data-mining or similar data-gathering and extraction tools, or otherwise place an undue burden on the Platform or connected networks.
• Impersonate another user or person, or use the username of another user.
• Decipher, decompile, disassemble or reverse-engineer any software making up the Platform, or copy or adapt its code (including HTML, JavaScript, PHP or other code).
• Reverse-engineer, scrape, resell, sublicense or white-label the Service except under a written agreement with us.
• Upload or transmit viruses, Trojan horses or other malicious material, or spam, that interferes with, disrupts or impairs the operation of the Platform.
• Use the Platform to compete with us or for any unauthorised revenue-generating endeavour.
• Harass, abuse, intimidate or threaten our employees, agents or other users.
• Disparage, tarnish or otherwise harm, in our opinion, us or the Platform.
• Misrepresent loan terms, charge unauthorised fees, or engage in fraudulent or predatory lending practices.

We may investigate suspected violations and suspend or terminate Accounts that breach this section.

Your Data & Privacy

You retain ownership of your Customer Data. You grant us a limited licence to host, process and transmit that data solely to provide and improve the Service.

• You are responsible for the accuracy and legality of the Customer Data you collect and store, and for obtaining all consents required from your leads and borrowers.
• We implement reasonable technical and organisational safeguards, including encryption in transit and at rest, to protect your data.
• Our collection and use of personal information is described in our Privacy Policy, which forms part of these Terms.
• We comply with applicable Indian data-protection law, including the Digital Personal Data Protection Act, 2023, as and when in force.

WhatsApp & Communications

By providing your WhatsApp number and accepting these Terms, you consent to receive service, transactional and product-update messages from us on WhatsApp, SMS, email or phone.

• You may opt out of non-essential product updates at any time by replying STOP or contacting support.
• Where you use the Service to message your own leads, you are solely responsible for obtaining their consent and complying with WhatsApp Business Policy and telecom rules.

Third-Party Integrations

The Service may integrate with third-party providers — including banks and NBFCs, payment gateways, WhatsApp Business APIs and analytics tools — to deliver certain features.

• Bank and lender names, logos and scheme details are shown for your convenience and do not imply endorsement, partnership or guaranteed approval.
• Your use of any third-party service is governed by that provider's own terms, and we are not responsible for their availability, accuracy or conduct.

Financial & DSA Disclaimer

• All lending decisions, eligibility, commission/payout amounts and customer interactions are solely between you, your customers and the respective lender.
• Commission, payout and report figures generated in the Service are indicative tools for your own bookkeeping and are not a statement of amounts owed by any lender.
• You are responsible for complying with all licensing, registration and regulatory obligations applicable to your DSA business.

Intellectual Property

The Service, including its software, design, logos, trademarks and content (excluding your Customer Data), is owned by or licensed to the Company and is protected by intellectual-property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your internal business purposes during your subscription. You may not copy, modify, distribute or create derivative works from the Service except as expressly permitted.

Service Availability

We aim to keep the Service available and reliable, but we do not guarantee uninterrupted or error-free operation. The Service is provided on an “as is” and “as available” basis.

We may perform maintenance, updates or changes to features from time to time, and may suspend access where necessary to protect the security or integrity of the Service.

Termination

You may stop using the Service or cancel your Subscription at any time from your Account settings or by contacting support.

• We may suspend or terminate your access for breach of these Terms, non-payment, or activity that risks harm to us, other users or third parties.
• On termination, your right to use the Service ends immediately. We may retain or delete your Customer Data in accordance with our data-retention practices and applicable law.
• You may request an export of your Customer Data within a reasonable period before deletion, where technically feasible.

Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data, goodwill or business opportunity, arising out of or relating to your use of the Service.

Our total aggregate liability for any claim arising under these Terms shall not exceed the total fees actually paid by you to us in the three (3) months immediately preceding the event giving rise to the claim.

Indemnification

You agree to indemnify and hold harmless the Company, its directors, employees and partners from and against any claims, damages, losses, liabilities and expenses (including reasonable legal fees) arising out of your use of the Service, your Customer Data, your interactions with your own customers, or your breach of these Terms or applicable law.

Governing Law, Dispute Resolution & Arbitration

These Terms, their subject matter and their formation are governed by and construed in accordance with the laws of India. Subject to the arbitration provisions below, the courts at the location of the Company's registered office in India shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

Any dispute or claim arising out of, in connection with, or relating to these Terms or their breach, termination or invalidity (a “Dispute”) shall be referred to and finally resolved by arbitration in India in accordance with the Arbitration and Conciliation Act, 1996, as amended.

• Within thirty (30) days of a notice of Dispute, the parties shall mutually agree on the appointment of a sole arbitrator. Failing such agreement, the arbitrator shall be appointed in accordance with the Arbitration and Conciliation Act, 1996.
• The seat of arbitration shall be India and the proceedings shall be conducted in the English language.
• The parties shall keep the arbitration confidential and the arbitrator's decision shall be final and binding.
• Nothing in this clause prevents either party from seeking suitable injunctive relief from the competent courts in India.

The parties will first attempt to resolve any Dispute amicably through good-faith discussion before commencing arbitration.

Grievance Redressal

If you have any question or complaint regarding the Service or a Transaction — including but not limited to double debit of a Transaction Amount, a fraudulent or unauthorised Transaction, or a refund request — you may contact our grievance officer:

• Email: support@dsasarthi.cloud
• We aim to acknowledge complaints within a reasonable time and resolve them in accordance with applicable law.

General Disclaimer

By initiating a Transaction, you enter into a legally binding and enforceable contract with us to purchase the relevant Subscription or service, and you agree to pay the listed price through a valid Payment Instrument and lawful sources of funds.

• You must provide accurate payment details to the secure payment system. We expressly disclaim all liability arising from any unauthorised use of your Payment Instrument; all payments are made at your own risk and volition.
• Your information may be utilised or shared with a third party where required for fraud verification, or by law, regulation or court order.
• If you receive a user ID, order ID, password or other information as part of our security procedures, you must treat it as confidential and not disclose it to any third party.
• The content on our Platform is provided for general information only and does not amount to advice on which you should rely.
• Where the Platform links to third-party websites or resources, those links are provided for information only and do not imply our approval of them.
• The Platform may include information and materials uploaded by other users that we have not verified or approved; views expressed by other users do not represent our views.
• We do not guarantee that the Platform will be secure or free from bugs or viruses. You are responsible for configuring your devices and software, and for using your own virus-protection software.

Changes to These Terms

We may update these Terms from time to time to reflect changes in our Service, business or legal requirements. When we make material changes, we will update the “Last updated” date above and, where appropriate, notify you within the Service or by email.

Your continued use of the Service after the changes take effect constitutes your acceptance of the revised Terms.