Terms of Service |

01

Agreement Overview & Acceptance

Welcome to ! These Terms of Service ("Terms", "Agreement") constitute a legally binding contract between you ("User", "you", "your") and VistarKriya Marketings Private Limited ("Company", "we", "us", "our"), a company incorporated under the laws of India, regarding your use of our SaaS platform, website, mobile applications, APIs, and all related services (collectively, the "Service" or "Platform").

⚠️

IMPORTANT: BINDING LEGAL AGREEMENT

BY ACCESSING, BROWSING, OR USING THIS PLATFORM IN ANY MANNER, INCLUDING BUT NOT LIMITED TO VISITING THE WEBSITE, CREATING AN ACCOUNT, MAKING ANY PAYMENT, SUBMITTING ANY DATA, OR USING ANY SERVICE, YOU UNCONDITIONALLY AGREE TO BE BOUND BY THESE TERMS.

IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU MUST IMMEDIATELY CEASE ALL USE OF THE PLATFORM AND EXIT.

Your continued use of the Platform after any modifications to these Terms constitutes your acceptance of such modifications.

👥 Who These Terms Apply To

1. Tenants / Admins (Primary Subscribers)

Businesses or individuals who subscribe to our platform to access CRM features, manage leads, and utilize service chapters. Tenants are bound by ALL sections of these Terms without exception.

2. B2B Customers (Tenant's Clients)

Business clients of our Tenants who use the customer portal. B2B customers have a separate agreement with their respective Tenant, and these Terms govern their use of our platform infrastructure. The Company bears NO responsibility for disputes between Tenants and their B2B customers.

3. End Users / Visitors

Anyone browsing our public pages or submitting information through any channel. All visitors are bound by these Terms.

Amendments to Terms: VistarKriya Marketings Private Limited reserves the absolute right to modify, amend, update, or replace these Terms at any time without any prior notice, as the Company deems fit and necessary. Changes become effective immediately upon posting to the Platform. It is your sole responsibility to review these Terms periodically. Continued use after changes constitutes irrevocable acceptance.

Eligibility: You must be at least 18 years old, possess valid government-issued identification, and have the legal capacity to enter into binding contracts under Indian law. If registering on behalf of a business entity, you represent and warrant that you have full authority to bind that entity to these Terms.

02

Platform Nature & Critical Disclaimers

🚨

CRITICAL: UNDERSTANDING OUR ROLE

IS A TECHNOLOGY PLATFORM AND CRM SERVICE PROVIDER ONLY.

We are NOT a bank, NBFC, financial institution, money lender, loan provider, insurance company, or any regulated financial entity. We do not lend money, approve loans, set interest rates, decide EMIs, provide insurance, or make any financial decisions.

🏢 What We Are

Technology Platform: We provide CRM software and digital tools for business management
Lead Management System: We facilitate the collection, organization, and routing of customer inquiries
Mediator/Facilitator: We connect users with third-party service providers including banks, NBFCs, and other partners
SaaS Provider: We charge fees for access to our CRM platform and technology services

🚫 What We Are NOT Responsible For

Loan Approvals or Rejections: All lending decisions are made solely by banks/NBFCs at their absolute discretion
Interest Rates, EMI, Processing Fees: These are determined and charged by the lending institution, NOT by us
Insurance Premiums and Policies: Charged and managed by insurance providers
Pincode Availability: Banks independently determine serviceable areas and may blacklist any pincode/area without notice
Blacklisted Areas: We have NO control over which areas banks designate as restricted or blacklisted
Document Verification by Banks: Banks conduct their own verification and may reject applications at their discretion
Disbursement Timelines: Loan disbursement timing is controlled entirely by the lending institution
Third-Party Service Quality: We do not guarantee the performance of any bank, NBFC, CA, CS, or other service provider

⚠️

Loan Rejection Disclaimer

If your loan application or any lead submitted through our platform is rejected by a bank or NBFC, this is entirely the decision of that financial institution. Rejection may occur due to credit score, income criteria, documentation, pincode blacklisting, internal bank policies, or any other reason at the bank's sole discretion. bears ZERO liability for any rejection, delay, or unfavorable terms offered by any financial institution.

YOU EXPRESSLY ACKNOWLEDGE AND AGREE that by using this Platform, you understand that we are merely a technology intermediary, and any fees paid to us are for CRM access and platform usage ONLY—not for any loan product, financial service outcome, or guarantee of approval.

03

User Accounts & Registration

➕ Account Creation Requirements

To create an account and use our platform, you MUST:

Complete the signup process with accurate, truthful, and complete information
Verify your email address and mobile phone number
Complete mandatory KYC verification (PAN and/or Aadhaar as required)
Provide valid business registration documents if applicable (GST, Shop Act, etc.)
Accept these Terms and all related policies
Accept the digital agreement presented during signup

🔐 Account Security & Responsibility

You are SOLELY and ENTIRELY responsible for:

Maintaining absolute confidentiality of your login credentials
ALL activities that occur under your account, whether authorized by you or not
Immediately notifying us of any unauthorized access or security breach
Ensuring your account information remains accurate and up-to-date at all times
Any consequences arising from sharing your credentials with any third party

🚫

Account Misuse

We reserve the right to immediately suspend or terminate any account that we believe, in our sole discretion, is being misused, shared with unauthorized parties, used for fraudulent purposes, or violates any provision of these Terms. NO refund shall be provided in such cases.

04

Service Description

provides a comprehensive SaaS-based CRM and business management platform that includes:

Digital Office Platform: Multi-tenant architecture for business operations management
CRM System: Customer relationship management, lead tracking, and pipeline management
Service Chapters: Modular business services including Click & Credit, Micro Loans, Loan On Me, Associate Services, MSME Digital, PAN Services, and others
Wallet System: Digital wallet for internal transactions and balance management
KYC Verification: Identity verification services via Aadhaar and PAN
CIBIL Reports: Credit report generation services
API Access: Integration capabilities for developers and partners
White-Label Branding: Custom branding options for your business

⚠️

Service Availability & Modifications

While we strive for high uptime, we DO NOT guarantee uninterrupted, error-free, or secure access to the Service. We reserve the right to modify, suspend, or discontinue any feature, chapter, or service at any time without prior notice and without liability. Scheduled maintenance, emergency updates, third-party API outages, or force majeure events may cause service interruptions.

05

Payment Terms, UPI Mandate & Absolute No Refund Policy

🎁

Free Plan

Lifetime free with limited features

💎

Paid Plans

Non-refundable subscriptions

📦

Chapters

Non-refundable activation fees

💰

Wallet Topup

Non-refundable once credited

🚫

ABSOLUTE NO REFUND POLICY

ALL PAYMENTS MADE TO ARE FINAL, NON-REFUNDABLE, AND NON-TRANSFERABLE UNDER ANY CIRCUMSTANCES.

This includes but is not limited to:

Subscription fees (monthly, yearly, lifetime)
Chapter activation fees
Wallet top-ups
Service fees (CIBIL, verification, associate services, etc.)
Any other payment made on the platform

💡 Why No Refunds?

Free Demo Available: We provide a free plan and demo access to evaluate our platform before any payment
CRM Fees, Not Loan Fees: You pay for CRM access and platform usage—NOT for loan approvals or outcomes
Instant Service Delivery: Services like CIBIL reports, verifications are delivered instantly and consumed immediately
Third-Party Costs: We incur costs with our partners the moment you use a service
Bank Decisions Are Not Our Responsibility: Loan rejections, pincode blacklisting, or any bank decision does NOT entitle you to any refund from us

⚠️

Specific Non-Refundable Scenarios

NO refund shall be provided if:

A loan application is rejected by any bank or NBFC
Your pincode or area is blacklisted by a bank
The customer's documents are rejected by the bank
You are unsatisfied with loan terms offered by a bank
You change your mind after making a payment
You fail to use the services within the subscription period
Your account is suspended or terminated for policy violations
Third-party APIs or services are temporarily unavailable
You experience any technical difficulties on your end

Payment Processing: All payments are processed securely through our authorized payment partners. Prices are in Indian Rupees (INR) and subject to applicable GST. By making any payment, you acknowledge that you have read, understood, and accepted this no-refund policy.

🔄 UPI Mandate / Auto-Payment Terms

When you opt for installment payments or recurring billing, you authorize us to set up a UPI Mandate (UPI Autopay), eNACH, or Card Standing Instruction for automatic debits from your linked bank account or card.

⚠️

CRITICAL: AUTO-PAYMENT AUTHORIZATION

By setting up a UPI Mandate or any auto-payment arrangement, you:

Authorize recurring automatic debits as per the agreed schedule
Agree to maintain sufficient balance in your linked account on debit dates
Understand that CANCELLING THE MANDATE IS EQUIVALENT TO NON-PAYMENT
Accept that payment failures will result in service restrictions

Initial Payment & Mandate Setup

When subscribing via installment plan:

Initial Payment (Upfront Amount): You pay an upfront amount (e.g., 20%, 30%, 40% or as agreed) to activate your subscription
Remaining Balance: The balance is collected via scheduled auto-debits through UPI Mandate/eNACH/Card
No Refund of Initial Payment: The initial/upfront payment is ABSOLUTELY NON-REFUNDABLE under any circumstances, including but not limited to: mandate cancellation, payment failures, change of mind, service dissatisfaction, or account termination
Partial Payments: If you cancel the mandate or fail payments mid-term, all amounts already paid (initial + any successful debits) are NON-REFUNDABLE

Payment Failure & Retry Mechanism

Our system employs smart retry logic based on payment method:

UPI Autopay: 1+3 retry mechanism — initial attempt + up to 3 automatic retries at hourly intervals. Panel access is restricted only after all 4 attempts fail.
eNACH / PNACH / Card: No automatic retries. Panel access is restricted immediately upon first payment failure.

Panel Access Restriction (Blocking)

Upon payment failure (after retry exhaustion) or mandate cancellation:

Your admin panel access will be IMMEDIATELY RESTRICTED
You will see a blocked screen with outstanding amount details
All platform features will be inaccessible until dues are cleared
Your data remains safe but inaccessible during the blocked period
Continued non-payment may result in permanent account termination

📅

Mandate Cancellation by Customer

If you cancel the UPI Mandate from your bank/UPI app:

Your access will continue ONLY until the end of your current paid period (Service model)
Once the paid period expires, your panel will be blocked
The initial payment and all amounts already debited are NON-REFUNDABLE
To restore access, you must clear the full outstanding amount
Cancelling mandate is treated the same as non-payment — there is no distinction

Restoring Access After Block

To restore your panel access after being blocked:

Contact our support team to arrange payment of outstanding dues
Complete the payment via available payment methods
Upon successful payment, access will be restored automatically or within 24 hours
A new mandate may need to be set up for future payments

🚫

NO REFUND ON MANDATE ISSUES

Under NO CIRCUMSTANCES shall any refund be provided for:

Initial/upfront payments made before mandate setup
Payments already debited before mandate cancellation
Payments made before payment failures occurred
Any partial period of service used
Change of mind after setting up mandate
Accidental mandate cancellation from your bank app
Bank-side issues causing mandate failure

You assume full responsibility for maintaining your mandate and ensuring successful payments.

🚨 Chargeback & Dispute Policy

Filing a fraudulent chargeback or payment dispute with your bank without first contacting us is a serious violation of these Terms. Consequences include:

Immediate account termination
Forfeiture of all wallet balances and pending earnings
Recovery of disputed amount plus chargeback fees
Legal action under IPC Sections 415, 420 and IT Act, 2000
Reporting to credit bureaus and relevant authorities

You MUST contact our support team and allow 7 business days for resolution before initiating any bank dispute.

06

Data Collection, KYC & Lead Sharing

📋 KYC Requirements

To use our platform, you must complete KYC verification by providing:

PAN Card details for identity and tax verification
Aadhaar details for identity verification via DigiLocker
Business registration documents (GST, Shop Act, etc.) if applicable
Bank account details for payment processing
Any other documents as required for specific services

All documents requested are publicly available identity documents required for regulatory compliance and service delivery.

📤 Lead Data Sharing Consent

By using our platform and submitting any lead or customer data, you EXPRESSLY CONSENT to the following:

Lead data submitted through our platform will be shared with relevant banks, NBFCs, and third-party service providers for processing the specific service requested
Customer information may be shared with our technology partners and API providers to facilitate service delivery
We may use third-party services for lead routing, verification, and processing
Data is shared ONLY for the specific purpose for which the lead was submitted
We do NOT sell personal data to unrelated third parties for marketing purposes

ℹ️

Purpose-Limited Sharing

When you submit a loan lead, that data is shared with banks/NBFCs for loan processing. When you use CIBIL services, data is shared with credit bureaus. Each data share is limited to the specific purpose of the service you requested.

Your Responsibility: If you submit leads or customer data on behalf of your clients, you represent and warrant that you have obtained all necessary consents from such individuals for their data to be processed and shared as described herein.

07

User Responsibilities & Prohibited Activities

By using our platform, you agree to:

Use the Service only for lawful purposes in compliance with all applicable laws
Provide accurate, truthful, and complete information at all times
Not submit false, misleading, or fraudulent leads or documents
Not violate any RBI guidelines, SEBI regulations, or other financial regulations
Not infringe on any intellectual property rights
Not upload malicious content, malware, or attempt to breach security
Not attempt to hack, exploit, reverse engineer, or damage the platform
Not impersonate other users, entities, or misrepresent your identity
Not spam, harass, or send unsolicited communications
Comply with all KYC and verification requirements
Maintain confidentiality of customer data in your possession

🚫

Zero Tolerance Policy

Any violation of these responsibilities may result in IMMEDIATE account suspension or termination without prior notice and WITHOUT ANY REFUND. We reserve the right to report illegal activities to appropriate law enforcement authorities and cooperate fully in any investigation.

08

Third-Party Services & Partnerships

Our platform integrates with and routes leads to various third-party service providers including but not limited to:

Banks and NBFCs for loan processing
Credit bureaus for CIBIL reports
Government APIs for Aadhaar and PAN verification
Payment gateways for transaction processing
Chartered Accountants, Company Secretaries, and legal professionals
Insurance providers and aggregators
Other technology and service partners

⚠️

Third-Party Disclaimer

WE DO NOT CONTROL, ENDORSE, OR GUARANTEE any third-party service, their policies, their decisions, or their service quality. Your use of any third-party service is governed by that party's terms and conditions. We are not a party to any agreement between you and any third-party provider.

Any fees, charges, interest rates, insurance premiums, processing fees, or other costs charged by banks, NBFCs, or other third parties are determined solely by those entities. has no control over and bears no responsibility for such charges.

09

Intellectual Property Rights

Our IP: The platform, including but not limited to its design, source code, algorithms, features, content, graphics, user interface, and documentation, is the exclusive property of VistarKriya Marketings Private Limited and is protected by Indian and international intellectual property laws.

Trademarks: , VistarKriya, Numberdom, Numberloan, and all associated logos and marks are registered trademarks of VistarKriya Marketings Private Limited. Unauthorized use is strictly prohibited and will be prosecuted to the fullest extent of law.

Your Content: You retain ownership of content you upload. However, by uploading content, you grant us a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, modify, display, distribute, and process such content for providing and improving our services.

Restrictions: You may NOT copy, modify, distribute, sell, lease, reverse engineer, decompile, or create derivative works from our platform or any part thereof without our express written permission.

10

Termination

🔚 Termination by You

You may request account closure through your account settings or by contacting support. Upon termination:

All active subscriptions are immediately cancelled with NO refund
Wallet balance may be withdrawn subject to applicable fees, deductions, and verification
Your data will be retained for 7 years for legal and compliance purposes, then deleted
Any pending transactions or services will be forfeited

⛔ Termination by Us

We reserve the absolute right to suspend, restrict, or terminate your account IMMEDIATELY and WITHOUT PRIOR NOTICE if:

You violate any provision of these Terms
You engage in or are suspected of fraudulent activities
You submit false or fraudulent leads/documents
You fail to pay for subscribed services
Your account shows suspicious or unusual activity
We receive legal or regulatory orders to do so
We determine, in our sole discretion, that your continued use poses a risk
For any other reason at our sole discretion

🚫

No Refund on Termination

In the event of termination by us for any violation or suspected violation, you shall NOT be entitled to any refund of subscription fees, wallet balance, or any other amounts. We reserve the right to withhold any funds pending investigation of suspected violations.

11

Disclaimers & Limitation of Liability

⚠️

SERVICE PROVIDED "AS IS" AND "AS AVAILABLE"

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE EXPRESSLY DISCLAIM ALL WARRANTIES INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

🚫 Exclusion of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VISTARKRIYA MARKETINGS PRIVATE LIMITED AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

Any indirect, incidental, special, consequential, punitive, or exemplary damages
Loss of profits, revenue, data, business opportunities, or goodwill
Any damages arising from loan rejections, bank decisions, or third-party actions
Any damages arising from service interruptions, errors, or data loss
Any damages arising from unauthorized access to your account
Any damages exceeding the total fees paid by you in the 12 months preceding the claim

💰

Liability Cap

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY EXCEED THE AMOUNT ACTUALLY PAID BY YOU TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THIS LIMITATION APPLIES REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE.

Acknowledgment: You acknowledge that these limitations of liability are an essential part of this Agreement and that we would not enter into this Agreement without these limitations.

12

Indemnification

You agree to indemnify, defend, and hold harmless VistarKriya Marketings Private Limited, its directors, officers, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

Your use of or access to the Service
Your violation of any provision of these Terms
Your violation of any applicable law, regulation, or third-party right
Any content or data you submit through the platform
Any fraudulent, misleading, or false information provided by you
Any dispute between you and any third party, including banks, NBFCs, or your customers
Any claim by your customers, B2B clients, or end users
Your failure to obtain necessary consents for data processing

This indemnification obligation shall survive the termination of your account and these Terms.

13

Dispute Resolution & Governing Law

⚖️ Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles.

🤝 Mandatory Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms, including their validity, interpretation, breach, or termination, shall be resolved through binding arbitration in accordance with the Arbitration and Conciliation Act, 1996 (as amended).

Seat of Arbitration: Dehradun, Uttarakhand, India
Language: English or Hindi
Number of Arbitrators: One (1), mutually appointed or appointed by the Uttarakhand High Court
Arbitration Fees: To be borne by the losing party unless otherwise determined by the arbitrator

You agree to attempt resolution through our internal grievance process before initiating arbitration. The arbitrator's decision shall be final and binding on both parties.

🚫

Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration against us.

🏛️ Jurisdiction

Subject to the arbitration provision above, you irrevocably submit to the exclusive jurisdiction of the courts located in Dehradun, Uttarakhand for any legal proceedings arising out of or relating to these Terms. You waive any objection to such jurisdiction or venue.

14

Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms if such failure or delay results from circumstances beyond our reasonable control, including but not limited to:

Acts of God, natural disasters, pandemics, epidemics
War, terrorism, civil unrest, or armed conflict
Government actions, orders, or regulations
Changes in RBI policies, banking regulations, or financial sector guidelines
Bank policy changes, pincode blacklisting, or lending restrictions
Third-party API failures or service outages
Internet or telecommunications failures
Power outages or infrastructure failures
Strikes, labor disputes, or supply chain disruptions
Cyberattacks, hacking, or security breaches beyond our reasonable control

In the event of a force majeure, our obligations shall be suspended for the duration of such event and NO refund or compensation shall be due.

15

General Provisions

Entire Agreement: These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements.

Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Waiver: Our failure to enforce any provision of these Terms shall not constitute a waiver of such provision or any other provision.

Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

🏢

Registered Office

VistarKriya Marketings Private Limited
(VistarKriya Marketings Private Limited)
3rd Floor, Shree Jee Plaza, New Road,
Dalanwala, Dehradun, Uttarakhand 248001

Branch Office:
55, 3rd Floor, Westend Marg, Saidullajab,
Near Saket Metro, New Delhi 110030

16

Acknowledgment & Acceptance

✅

By Using Our Platform, You Acknowledge:

You have READ and UNDERSTOOD these entire Terms of Service
You AGREE to be legally bound by all provisions herein
You UNDERSTAND that we are a CRM platform, NOT a lender or financial institution
You ACCEPT that all payments are final and non-refundable
You ACKNOWLEDGE that bank/NBFC decisions are not our responsibility
You CONSENT to the collection, use, and sharing of your data as described in our Privacy Policy
You AGREE to resolve disputes through binding arbitration in Dehradun, Uttarakhand
You WAIVE your right to participate in class action lawsuits against us
If submitting others' data, you have obtained their CONSENT
You will INDEMNIFY us for any claims arising from your use of the platform

These Terms of Service are an integral part of your agreement with us. In case of any conflict between these Terms, the Privacy Policy, and the Refund Policy, the more restrictive provision shall apply.

Terms of Service

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