Terms and conditions
What we do, what you do, how commission works, and where each side’s responsibility ends.
The short version. You source borrowers, we place their files, and you earn commission when a loan disburses. You are an independent partner, not our employee, and you cannot make promises to a borrower on a lender’s behalf.
1. The agreement
These terms govern your use of the AFSL Global Private Limited website and partner platform. By creating an account you accept them. If you do not accept them, do not register.
We may update these terms as the platform develops. The revision date at the top of this page reflects the current version, and material changes are announced inside the dashboard before they take effect.
2. Eligibility
- You must be at least 18 years old and legally competent to contract in India.
- You must hold a valid PAN and a bank account in your own name or your registered entity’s name.
- The information you provide at registration and KYC must be true and current.
- One person or entity may hold one partner account. Duplicate accounts will be closed.
3. Registration and KYC
Registration creates a login only. It does not make you a partner and it does not entitle you to file cases.
Partner status begins when an administrator approves your KYC submission and issues your partner code. Until that point the dashboard remains limited to the KYC forms.
KYC approval is granted solely by an AFSL Global administrator. No employee, however senior, can approve your KYC or issue your code. If a submission is rejected, you will receive a written reason and may correct and resubmit.
We may decline any application without giving further reasons, and we may suspend or withdraw partner status where information proves false, where conduct breaches these terms, or where a lender or regulator requires it.
4. Your role as a partner
You act as an independent Direct Selling Partner. Nothing in these terms creates employment, partnership, agency beyond loan sourcing, or a joint venture between you and AFSL Global.
You agree to:
- Describe products accurately and never guarantee approval, a rate, an amount or a timeline to a borrower
- Obtain the borrower’s consent before submitting their information and documents
- Submit only genuine documents provided by the borrower, and never alter, fabricate or substitute a document
- Never collect any fee, deposit or payment from a borrower in AFSL Global’s name
- Comply with applicable law, including rules on fair practice and the handling of personal data
Falsified documentation is treated as fraud. It results in immediate termination, forfeiture of pending commission on the affected files, and referral to the lender and to the authorities where appropriate.
5. Loan applications
AFSL Global is a distributor. We do not lend, sanction or disburse. Every credit decision belongs to the bank or NBFC, and their terms govern the loan.
Submitting a file does not oblige any lender to consider it, and no case status shown on your dashboard constitutes an approval or a commitment. A file may be rejected at any stage without a reason being given to you or to the borrower.
6. Commission and payouts
- Commission accrues only on disbursal, not on filing, login or sanction.
- Your rate is set by the payout scheme assigned to your account and visible in your payout grid. If no scheme is assigned, no commission accrues.
- Payouts are released on the monthly cycle to the bank account verified during KYC. Keep those details current; we are not responsible for payments sent to an account you failed to update.
- Applicable taxes, including TDS and GST where relevant, are deducted or applied as the law requires.
- Where a loan is cancelled, foreclosed early, or found to be fraudulent, we may reverse commission already credited and recover it from future payouts.
- Payout schemes may be revised. Changes apply to files disbursed after the effective date and never retrospectively.
7. Your account
You are responsible for everything done through your login. Keep your password private, do not share your account, and tell us at once if you suspect unauthorised access.
We may suspend an account during an investigation, and we may terminate one for breach of these terms. You may close your account at any time by writing to us; commission on already-disbursed files remains payable.
8. The platform
We work to keep the dashboard available but do not guarantee uninterrupted service. Maintenance, upgrades and events outside our control may cause downtime.
You may not attempt to gain unauthorised access to any part of the system, interfere with its operation, scrape data, or reverse engineer any part of it.
All content, branding, design and software on this platform belong to AFSL Global Private Limited. Your partner status grants you a licence to use the platform for sourcing, and nothing more.
9. Limitation of liability
To the extent permitted by law, AFSL Global is not liable for a lender’s decision, delay or conduct, for losses arising from information you or a borrower supplied incorrectly, or for indirect or consequential losses including lost business or anticipated commission.
Our aggregate liability to you in any twelve-month period will not exceed the commission actually paid to you in that period.
10. Governing law
These terms are governed by the laws of India. Disputes are subject to the exclusive jurisdiction of the courts at the location of our registered office.
11. Contact
Questions about these terms:
City, State — PIN