Terms of Service
Legal terms and conditions governing the use of Vistarkriya
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Agreement Overview & Acceptance
Welcome to Vistarkriya! 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.
Platform Nature & Critical Disclaimers
Critical: Understanding Our Role
Vistarkriya 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. Vistarkriya bears no 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.
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.
Service Description
Vistarkriya 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.
Payment Terms, UPI Mandate & Refund Policy
Free Plan
Lifetime free with limited features
Paid Plans
Premium subscriptions
Chapters
Service activation fees
Wallet Topup
Prepaid service credits
PART A: Refund Policy
Strict No-Refund Policy
All payments made to Vistarkriya are final and non-refundable the moment they are credited. Payment is credited at signup, and signup itself constitutes activation of Your access — there is no gap between payment and activation, and therefore no window in which a refund can arise. This policy applies to:
- Subscription fees (monthly, quarterly, yearly, lifetime)
- Chapter activation fees and service charges
- Wallet top-ups and credits
- CIBIL reports, verification fees, and API charges
- Associate service fees and professional charges
- Initial payments for mandates
- Any EMI or installment already processed
Why This Policy Exists
Refunds are not processed under any circumstances once payment is credited. The reasons:
- Free Trial Available: We offer a lifetime free plan so you can fully evaluate our platform before upgrading. We encourage you to explore all features before making a payment decision.
- Service-Based Business: We provide CRM tools and platform access. Once activated, these services are delivered immediately and cannot be "returned."
- Instant Delivery: Services like CIBIL reports, KYC verification, and API calls are consumed instantly upon request.
- Third-Party Costs: We incur costs with our partners (credit bureaus, payment gateways, API providers) the moment you use any service.
- Independent Bank Decisions: Loan approvals and rejections are decisions made by banks/NBFCs, not by our platform.
Important Clarification
You are paying for platform access and CRM tools—not for loan approvals or disbursements. Bank decisions regarding loan applications are independent of our services and do not create refund eligibility.
Payment Processing: All payments are processed securely through RBI-authorized payment partners (Cashfree, Razorpay, etc.). Prices are in Indian Rupees (INR) and include applicable GST.
PART B: Understanding UPI Mandate
When you opt for installment payments or EMI-based subscriptions, you can authorize a UPI Mandate (UPI Autopay), eNACH, or Card Standing Instruction for convenient automatic payments from your linked bank account.
What the Mandate Covers
The mandate amount is payment for:
- Platform Access: Your CRM subscription and service chapter access
- Service Delivery: Lead management, customer tools, and platform features
- Credit Recovery: If credit was extended for professional services
Please Note: The mandate is for platform services, independent of any loan file outcomes or bank decisions.
Mandate Authorization
The UPI Mandate is a standard recurring payment authorization recognized under:
- Indian Contract Act, 1872: Valid contract with mutual agreement
- Information Technology Act, 2000: Electronic consent is legally valid
- RBI Guidelines: Authorized recurring payment framework
- NPCI UPI Guidelines: Standard autopay authorization
When You Authorize a Mandate
- You authorize automatic debits as per the agreed schedule
- You agree to maintain sufficient balance on debit dates
- You understand that keeping the mandate active ensures uninterrupted service
- You can contact support anytime for payment-related queries
PART C: Types of Mandates
We operate two categories of mandates based on service type:
Core Wallet Mandate
Purpose: Subscription payments and platform access fees.
Covers: CRM access, lead management, service chapters, and general platform services.
Pipeline Wallet Mandate
Purpose: Recovery of credit extended for professional services.
Covers: CA/professional service advances and approved credit lines.
Both mandate types follow the same payment schedule and terms. Please ensure timely payments to enjoy uninterrupted access to all platform features.
PART D: How Installment Plans Work
When subscribing via installment/EMI plan:
- Initial Payment: You pay an upfront amount to activate your subscription immediately.
- Remaining Balance: Collected via scheduled auto-debits through your authorized mandate.
- Debit Schedule: Daily, weekly, or monthly as per your selected plan.
- Debit Time: UPI Autopay debits typically occur around 6:00 AM IST.
Good to Know
The initial payment activates your services immediately. Once activated, this payment is part of your total subscription cost and represents delivered service value.
PART E: Payment Processing
Our system uses smart retry logic to help ensure successful payments:
UPI Autopay
Retry Logic: Up to 4 attempts
If the first attempt fails, we retry up to 3 more times at intervals to help ensure your payment goes through.
eNACH / Card
Single Attempt: Due to bank processing
Please ensure sufficient balance as bank systems typically process these in a single attempt.
Common Payment Issues
To avoid payment failures, please check:
- Sufficient balance in your linked bank account
- Daily/monthly transaction limits are not exceeded
- UPI PIN is active and not expired
- Bank account is active (not frozen or dormant)
- Mandate is active in your bank/UPI app
- Mobile number is updated with your bank
Need Help?
If you anticipate any payment issues or need to discuss your payment schedule, please contact our support team proactively. We're here to help find solutions.
PART F: Service Continuity & Access
To ensure uninterrupted access to your platform and services, timely payments are essential. Here's what happens with payment status:
If Payments Are Not Current
When payments are overdue, the following service limitations apply:
- Admin panel access may be temporarily restricted
- Team members and sub-users access will be paused
- New customer/lead additions will be on hold
- Lead rotation participation will be paused
- API integrations will return limited responses
Your data remains safe — we do not delete your data due to payment issues. Full access is restored once payments are current.
Data Protection
Even during service limitations:
- All your customer records and files are preserved
- Your data is secure and intact
- Full access resumes immediately upon payment clearance
We retain data as per our standard retention policy. Extended inactivity (beyond 90 days) may be subject to our data retention guidelines.
PART G: Managing Your Mandate
Your UPI Mandate can be viewed in your bank app or UPI app (GPay, PhonePe, Paytm, etc.). Here's what you should know:
Before Modifying Your Mandate
If you're considering cancelling or modifying your mandate, please contact us first. Cancelling an active mandate:
- Does not cancel your payment obligation for services already delivered
- May result in service access limitations
- The outstanding balance remains payable
- Previous payments are not refundable as services were already activated
We recommend: Contact our support team before making any changes. We can often help with payment schedule adjustments or address any concerns you may have.
If You've Cancelled by Mistake
Accidental cancellations happen. Please contact our support immediately and we'll help you set up a new mandate to continue your services without disruption.
PART H: Platform Services vs Loan Outcomes
Important Distinction
Your subscription and mandate payments are for platform access and CRM services. These are separate from loan application outcomes.
Please understand that:
- You pay for CRM access, lead management tools, and platform features
- Banks and NBFCs make independent lending decisions we cannot control
- Service delivery is complete when you access the CRM and tools
- Loan approvals, rejections, or delays are bank decisions
- File outcomes do not affect your platform service agreement
Our Commitment
While we cannot guarantee loan approvals (as those are bank decisions), we are committed to providing you with the best CRM tools, timely lead delivery, and excellent platform support to help grow your business.
PART I: Platform Policies
VistarKriya Marketings Private Limited maintains the following policies to ensure fair service delivery:
Service Management
- We may temporarily limit access when payments are overdue
- We may pause lead distribution for accounts with outstanding dues
- We may adjust service features based on subscription status
- We provide notifications before any service limitations
Account Management
- Outstanding amounts may be recovered from wallet balances
- We may offset pending payouts against dues (with notification)
- We offer settlement options for accounts facing difficulties
- We work with users to find reasonable payment solutions
Communication First
We believe in resolving issues through communication. If you're facing any difficulties with payments, please reach out to our support team. We're often able to work out solutions that help you continue using our services.
PART J: Account Limits
Depending on your subscription plan and account status, there may be limits on certain features such as B2C customer additions.
When Limits May Apply
- As part of specific subscription plans
- When payments are being processed or pending
- During account review periods
- As part of customized service arrangements
How Limits Work
- Limits apply to new additions only — existing data remains accessible
- Limits can be increased by upgrading your plan or clearing dues
- Good payment history typically results in higher limits
- Contact support to discuss limit adjustments
PART K: Payment Support & Solutions
Automatic Recovery
If a scheduled payment fails, our system may attempt recovery from available wallet balances to help maintain your service continuity.
Settlement Options
If you're facing difficulties with payments, we offer support options:
- Payment schedule adjustments (subject to approval)
- Wallet-based settlement options
- One-Time Settlement discussions for qualifying accounts
- Plan modifications to better suit your needs
One-Time Settlement (OTS)
In certain situations, we may offer One-Time Settlement options:
- OTS allows settling outstanding amounts in a single payment
- Available on case-by-case basis
- Contact support to discuss if this option may be available for you
- Full access is restored upon successful settlement
PART L: Restoring Full Access
If your access has been limited due to payment issues, here's how to restore it:
Simple Steps
- Contact our support team at hello@vistarkriya.com or 8766268711
- Request your current account statement
- Choose a payment method (UPI, Net Banking, Card, or Wallet)
- Complete the payment
- Access is typically restored within 24 hours of payment confirmation
Payment Options
- Direct payment of outstanding amount
- Wallet top-up to cover dues
- Settlement arrangement (if approved)
- New mandate setup for future payments
Timely Resolution Benefits
Resolving payment issues quickly helps you:
- Maintain continuous access to all features
- Keep receiving lead rotations and updates
- Stay active in the distribution system
- Preserve your account standing
PART M: Legal Framework
The UPI Mandate and payment agreements are governed by applicable Indian laws. In case of persistent non-payment after multiple attempts at resolution:
Resolution Process
- We first attempt to resolve through direct communication
- Payment reminders and support outreach
- Settlement discussions if needed
- Legal remedies as a last resort if amicable resolution fails
Applicable Framework
- Indian Contract Act, 1872
- Information Technology Act, 2000
- Payment and Settlement Systems Act, 2007
- Arbitration as per Section 13 of these Terms
Our Approach
We prefer resolving all matters amicably through discussion and mutual agreement. Legal action is always a last resort after all other options have been explored. Please reach out to us if you're facing any difficulties — we're here to help.
PART N: Payment Disputes
If you have concerns about any payment or charge, please follow our dispute resolution process:
Dispute Resolution Steps
- Contact our support team with your concern
- Provide relevant transaction details
- Allow up to 7 business days for investigation
- We'll provide a detailed response and resolution
Most issues are resolved quickly through direct communication. Please contact us before initiating any bank disputes.
Unauthorized Transactions: If you believe there's a genuinely unauthorized transaction (such as account compromise), contact us immediately at hello@vistarkriya.com. We take security seriously and will investigate promptly.
PART O: Payment Terms Acknowledgment
By Using Our Payment Services, You Understand That:
- Payments are for platform services and CRM access
- Services are delivered upon activation
- Mandate payments should be maintained for uninterrupted service
- Loan outcomes are independent bank decisions
- Support is available for any payment-related concerns
- Communication is encouraged before any mandate changes
- Settlement options may be available for difficult situations
- Your data remains safe even during service limitations
Recommendation: Before subscribing to any paid plan, we encourage you to fully explore our free plan to ensure our platform meets your needs. Our support team is always available to answer questions and help you choose the right plan for your business.
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
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.
Platform's Right to Contact Lead Subjects & Customers
You expressly acknowledge and agree that VistarKriya Marketings Private Limited, its authorised personnel, agents, sub-processors, and technology partners shall have the unconditional right — but not the obligation — to contact any lead subject, borrower, applicant, customer, or end user whose data You submit, upload, or generate through the Platform (each a "Lead Subject") directly, through any mode of communication, including voice call, IVR, WhatsApp, RCS, SMS, email, in-app notification, or any other electronic or telephonic channel, for any of the following purposes:
- Processing, routing, fulfilling, or progressing any lead, application, service request, or transaction;
- Identity, KYC, document, income, or eligibility verification;
- Confirming the intent, consent, or authenticity of a submitted lead;
- Quality checks, audit, fraud prevention, and de-duplication;
- Service delivery, status updates, and transactional communication;
- Coordinating with banks, NBFCs, credit bureaus, or partners on the Lead Subject's request;
- Support, grievance handling, and feedback; and
- Recovery, clawback, or dispute resolution relating to the lead or transaction.
This right exists independently of, and in addition to, any communication the Tenant or any bank/NBFC/partner may separately undertake.
Consent Warranty — No Separate Consent Required
You represent and warrant that the consent You obtained from each Lead Subject expressly extends to and authorises VistarKriya Marketings Private Limited, its sub-processors, and its partners to contact the Lead Subject directly through the channels and for the purposes listed above, and that such consent was obtained in a manner compliant with the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000, and applicable TRAI / TCCCPR and DLT requirements. Accordingly, no further or separate consent from You or the Lead Subject is required for Vistarkriya to undertake such contact. You shall indemnify and hold us harmless against any claim, penalty, or loss arising from any deficiency in the consent You were obligated to obtain.
Data Protection Roles under DPDP Act, 2023
(a) Data Fiduciary — Platform Data: VistarKriya Marketings Private Limited is the Data Fiduciary under the Digital Personal Data Protection Act, 2023 for personal data collected directly from Tenants during registration, KYC verification, and account management — for identity verification, eligibility confirmation, regulatory compliance (including the Income Tax Act, 1961, the GST Acts, the Companies Act, 2013, and the Information Technology Act, 2000), fraud prevention, contractual performance, and legal protection. Such data is retained for as long as required by applicable law, and statutory retention obligations shall override any erasure request to the extent permitted by Section 17(2) of the DPDP Act, 2023.
(b) Data Processor — Tenant Customer Data: For personal data of Your customers, borrowers, lead subjects, and end users submitted through the Platform, You are the Data Fiduciary and VistarKriya Marketings Private Limited acts solely as a Data Processor on Your behalf and in accordance with these Terms. All obligations towards the data principal — valid consent, access and erasure requests, and grievances — rest exclusively with You. You shall indemnify VistarKriya Marketings Private Limited against any claim, penalty, or loss arising from Your failure to discharge Your Data Fiduciary obligations. Except that, with respect to de-identified, aggregated, and Derived Data that the Platform independently creates and owns under §16, the Platform acts as a Data Fiduciary in its own right.
(c) Breach Notification: Where Vistarkriya is the Data Fiduciary, it shall notify the Data Protection Board of India and affected Data Principals as required by the DPDP Act, 2023. Where You are the Data Fiduciary, Vistarkriya shall notify You without undue delay upon becoming aware of a breach, and You are solely responsible for notifying the Board and affected Data Principals; Vistarkriya shall provide reasonable cooperation.
(d) Designated DPDP Contact
For all matters relating to the Digital Personal Data Protection Act, 2023:
Name: Ankit Arora
Designation: Director & Grievance Officer
Email: ankit@vistarkriya.com
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.
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. Vistarkriya has no control over and bears no responsibility for such charges.
Intellectual Property Rights
Our IP: The Vistarkriya 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, 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.
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
- You may request deletion of your data; the Platform will retain whatever is required by applicable law (tax, KYC, regulatory, and compliance obligations) and may retain records for legal protection, dispute resolution, and fraud prevention
- 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.
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.
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.
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.
Dispute Resolution & Arbitration
(a) Good-Faith Negotiation: Any dispute shall first be attempted to be resolved through good-faith negotiation for a period of thirty (30) days from written notice of the dispute.
(b) If unresolved, the dispute shall be referred to binding arbitration under the Arbitration and Conciliation Act, 1996 (as amended).
- (c) Number of Arbitrators: One (1), mutually appointed by the parties. If the parties cannot agree within fifteen (15) days, the appointment shall be made in accordance with the Arbitration and Conciliation Act, 1996.
- (d) Seat and Venue: Dehradun, Uttarakhand, India.
- (e) Language: English or Hindi.
- (f) Arbitration Fees: To be borne by the losing party unless otherwise determined by the arbitrator.
- (g) The arbitrator's decision shall be final and binding.
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.
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.
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.
Notices
All formal notices, demands, or communications required or permitted under these Terms shall be in writing and shall be deemed duly served:
- (a) If sent by email: upon delivery to the recipient's registered email address on the Platform, with delivery deemed complete 24 hours after sending;
- (b) If sent by registered post or speed post: upon actual delivery or 7 days after dispatch, whichever is earlier;
- (c) If sent via the Platform dashboard: upon posting to Your account notification centre, with delivery deemed immediate;
- (d) If sent by WhatsApp or SMS to Your registered mobile number: upon delivery confirmation or 24 hours after sending, whichever is earlier.
You are responsible for keeping Your email address, mobile number, and contact details current on the Platform. Notices sent to Your last registered contact details shall be deemed validly served regardless of whether You actually received them. VistarKriya Marketings Private Limited may serve legal notices, policy updates, and platform communications through any of the channels above; for formal legal proceedings, registered post or email with acknowledgment shall be the preferred mode.
Survival
The following Sections shall survive the expiration or termination of these Terms and Your account for any reason, and shall continue to bind You:
- §5 (Payment Terms, UPI Mandate & Refund Policy)
- §6 (Data Collection, KYC & Lead Sharing — including Platform Contact Rights and DPDP Roles)
- §9 (Intellectual Property Rights)
- §10 (Termination, including data retention)
- §11 (Disclaimers & Limitation of Liability)
- §12 (Indemnification)
- §13 (Dispute Resolution & Governing Law)
- §14 (Force Majeure)
- §15 (General Provisions, including this Survival clause)
- §16 (Ownership of Data, Lead Records & Derived Data)
- §17 (Confidentiality, Non-Circumvention, Anti-Disintermediation & Non-Solicitation)
- §18 (Commission Clawback & Payout Recovery)
Any accrued rights, obligations, or liabilities of either party prior to termination shall not be affected by termination.
Notice of Claim
You must notify us in writing of any claim or cause of action arising out of or relating to these Terms, the Platform, or the services within one (1) year from the date the cause of action arose. Failure to provide timely notice shall constitute an irrevocable waiver of such claim. This requirement does not curtail any limitation period prescribed by applicable law for the institution of legal proceedings.
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
Ownership of Data, Lead Records & Derived Data
Definitions
- "Tenant Customer Data" means the identifiable contact and application records of Your own customers and lead subjects that You submit to the Platform — namely their name, contact details, and the KYC / financial documents You upload.
- "Platform Data" means all other data generated, collected, or derived through operation of the Platform, including lead-routing records, scoring, status histories, analytics, logs, metadata, and performance metrics.
- "Derived Data" means any aggregated, statistical, de-identified, or anonymised data set created from any data on the Platform.
Who Owns What
You own the underlying relationship with Your own customers, and You retain ownership of Your Tenant Customer Data. VistarKriya Marketings Private Limited owns all Platform Data and all Derived Data, and all intellectual property rights in them, exclusively and absolutely.
Licence to the Platform
You grant VistarKriya Marketings Private Limited a worldwide, royalty-free, sub-licensable, and transferable licence to host, store, process, copy, transmit, analyse, and use Tenant Customer Data:
- to operate, provide, and deliver the Platform and the services and leads You request;
- to route and share data with banks, NBFCs, bureaus, and partners as described in our Privacy Policy;
- to create and exploit Derived Data, and to improve, develop, train, and benchmark our products, models, and services; and
- to comply with law and to enforce these Terms.
The licence over Derived Data and any de-identified or aggregated data is perpetual and irrevocable, and survives termination, because such data cannot be unwound once created. The licence over identifiable Tenant Customer Data continues for as long as required by applicable law, compliance, legal protection, dispute resolution, and fraud prevention; data already processed, routed, shared with partners, or incorporated into logs and backups before termination cannot be recalled.
KYC and identity verification records are retained as evidentiary proof of identity, eligibility, authenticity, and consent — not as personal data subject to routine deletion. The Platform will comply with all applicable laws but reserves the right to retain such records for legal protection, dispute resolution, and fraud prevention purposes.
On Exit — What You May Take
On termination or account closure, and subject to all dues being cleared, You may export Your own Tenant Customer Data (your customer contact list) in a standard machine-readable format, on request, within the data-retention window stated in our Privacy Policy. You have no right to export, copy, or receive any Platform Data or Derived Data, including routing logic, partner identities, scoring, analytics, or any other tenant's data. VistarKriya Marketings Private Limited may retain and continue to use Tenant Customer Data and Derived Data as permitted by the licence above and by applicable law.
This Section is to be read with our Privacy Policy and Section 9 (Intellectual Property), and survives termination of these Terms.
Confidentiality, Non-Circumvention, Anti-Disintermediation & Non-Solicitation
The Network Is Ours
The panel of banks, NBFCs, lenders, credit bureaus, insurers, Chartered Accountants, Company Secretaries, tax and legal professionals, payment partners, and other service providers accessible through Vistarkriya (the "Platform Network"), together with the routing logic, commercial arrangements, contact points, and onboarding that connect You to them, has been built, funded, and maintained by VistarKriya Marketings Private Limited at its own cost and constitutes our confidential business asset and goodwill.
Confidential Information & Trade Secrets
In the course of using the Platform, You will access information that VistarKriya Marketings Private Limited treats as confidential and as its trade secrets ("Confidential Information"), including without limitation:
- The identity, composition, and contact points of the Platform Network (our panel of banks, NBFCs, lenders, bureaus, insurers, and professional and technology partners);
- Lead-routing and lead-distribution logic, scoring, eligibility rules, and matching algorithms;
- Commission grids, payout structures, pricing, margins, rate cards, and all commercial terms;
- Product roadmaps, dashboards, analytics, reports, and non-public features; and
- Any other information marked confidential or that a reasonable person would understand to be confidential.
You shall (a) keep all Confidential Information strictly confidential; (b) use it solely to use the Platform as permitted under these Terms; (c) not disclose, publish, reproduce, or transfer it to any third party; and (d) not use it to compete with, circumvent, or disintermediate VistarKriya Marketings Private Limited. These obligations survive termination and continue for so long as the information retains commercial value or qualifies for protection as a trade secret under applicable law.
No Reverse Engineering of Commercials
You shall not attempt to derive, reconstruct, or reverse engineer our pricing, commission economics, lender mapping, or routing logic, whether by analysis of leads, payouts, responses, or otherwise, for any purpose competitive with or adverse to VistarKriya Marketings Private Limited.
Definitions
- "Protected Party" means any bank, NBFC, lender, credit bureau, insurer, aggregator, professional (CA / CS / tax / legal), API provider, or other partner that You were introduced to, became aware of, transacted with, or received leads or services through, by reason of Your use of the Platform.
- "Restricted Period" means the entire term of Your use of the Platform and a period of twenty-four (24) months following termination or cessation of Your account for any reason.
Your Covenant
During the Restricted Period, You shall not, whether directly or indirectly, alone or with or through any other person, entity, affiliate, employee, or related party:
- Establish, solicit, or pursue any direct origination, sourcing, DSA, referral, commercial, or commission arrangement with any Protected Party, for the same or similar category of business that You conducted through the Platform, so as to bypass, disintermediate, or circumvent Vistarkriya;
- Use, replicate, or exploit any knowledge of the Platform Network, our routing logic, commercial terms, pricing, payout structures, or partner contact points to deal with any Protected Party outside the Platform;
- Induce, encourage, or facilitate any Protected Party to reduce, divert, or cease business routed through the Platform; or
- Procure or assist any third party to do any of the above.
Nothing in this Section restricts a pre-existing, documented relationship that You can prove in writing existed independently of the Platform before Your registration.
Non-Solicitation
During Your use of the Platform and for a period of twenty-four (24) months following termination or cessation of Your account for any reason, You shall not, directly or indirectly:
- (a) Solicit, recruit, hire, engage, or attempt to solicit, recruit, hire, or engage any employee, contractor, consultant, or agent of VistarKriya Marketings Private Limited, whether or not such person would commit a breach of their employment or engagement terms by accepting such offer;
- (b) Induce or encourage any employee, contractor, or agent of VistarKriya Marketings Private Limited to leave their employment or engagement with the Company;
- (c) Solicit, poach, or entice any other tenant, subscriber, or registered user of the Platform to leave the Platform, move to a competing platform, or reduce their use of the Platform; or
- (d) Disparage, defame, or make false or misleading statements about VistarKriya Marketings Private Limited, its Platform, its services, its team, or its partners in any public forum, social media, review platform, or communication with any third party. Genuine reviews and factual feedback are not restricted.
This non-solicitation obligation is independent of and in addition to the non-circumvention covenant above, and breach of this Section shall also attract the liquidated damages and injunctive relief provisions stated below.
Liquidated Damages
You acknowledge that a breach of this Section causes VistarKriya Marketings Private Limited loss that is real but difficult to quantify precisely. Accordingly, for each breach, You agree to pay VistarKriya Marketings Private Limited liquidated damages equal to the higher of:
- (a) twenty-four (24) times Your average monthly total spend on the Platform, computed over the trailing twelve (12) months (or over Your full tenure, if shorter); or
- (b) ₹5,00,000 (Rupees Five Lakh only).
You agree this is a genuine pre-estimate of loss and not a penalty, is reasonable given the value of the Platform Network, and is recoverable in addition to any unpaid dues, clawbacks, or other amounts owed. VistarKriya Marketings Private Limited may set off and recover these liquidated damages from any wallet balance, pending payout, or security held, and may recover any shortfall from You as a debt due and payable.
Injunctive Relief & Survival
You agree that monetary damages alone may be inadequate, and that VistarKriya Marketings Private Limited shall be entitled to seek interim and permanent injunctive relief to restrain any breach, in addition to all other remedies. This Section survives termination of Your account and these Terms.
Commission Clawback & Payout Recovery
Any commission, payout, incentive, or earning credited or paid to You through the Platform (whether to Your Core Wallet, Pipeline Wallet, or bank account) is provisional and conditional until the underlying transaction is fully and finally settled by the relevant bank, NBFC, or partner and is no longer subject to reversal, recall, or adjustment.
Full Pass-Through Clawback
If any bank, NBFC, credit bureau, insurer, or partner reverses, recalls, withholds, reduces, adjusts, or claws back any amount previously paid or payable to VistarKriya Marketings Private Limited in respect of a lead, loan, policy, or transaction associated with You, then You authorise VistarKriya Marketings Private Limited to claw back the corresponding amount from You on a full pass-through basis, regardless of when such reversal occurs.
Triggering Events
Clawback applies, without limitation, where:
- A loan is cancelled, not availed, foreclosed, pre-closed, or repaid early within any clawback window applied by the lender;
- A loan turns delinquent, becomes a non-performing asset (NPA), or is found to be based on fraudulent, forged, manipulated, or misrepresented information;
- A disbursement, policy, or payment is reversed, refunded, or charged back;
- A lead is found to be fake, duplicate, manufactured, mis-sold, or in breach of these Terms; or
- Any partner adjusts, disputes, or recalls a commission for any reason.
Order of Recovery
VistarKriya Marketings Private Limited may recover clawback amounts, in any order and without prior notice, by:
- Debiting Your Core Wallet;
- Debiting or forfeiting Your Pipeline Wallet balance;
- Setting off against any current or future commission, payout, or incentive due to You;
- Adjusting against any security, deposit, or balance held; and
- Recovering any remaining shortfall from You as a debt immediately due and payable, together with applicable taxes and reasonable recovery costs.
A negative wallet balance arising from a clawback must be cleared by You on demand. These clawback rights operate in addition to, and do not limit, our rights under the Refund Policy, including forfeiture on termination for violation.
This Section survives termination of Your account and these Terms for so long as any partner retains a right of reversal, recall, or clawback against VistarKriya Marketings Private Limited.
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 once payment is credited
- 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
- You accept the data ownership and licensing terms in §16, including the Platform's ownership of all Platform Data and Derived Data and the licence over Tenant Customer Data
- You accept the confidentiality, non-circumvention, and anti-disintermediation obligations in §17, including the 24-month Restricted Period, the liquidated damages provision, and the injunctive relief clause
- You accept the commission clawback and payout recovery provisions in §18, including the Platform's right to debit wallets, set off payouts, and recover shortfalls as debt
- 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. The Terms of Service governs all matters; the Refund Policy, Privacy Policy, and API Terms supplement it. In case of conflict between these documents, the Terms of Service shall prevail, except that on API-specific matters the API Terms shall prevail.
Grievance Officer
In accordance with the Information Technology Act, 2000 and the Rules made thereunder, the Consumer Protection (E-Commerce) Rules, 2020, and the Digital Personal Data Protection Act, 2023, the Grievance Officer for VistarKriya Marketings Private Limited is:
Name: Ankit Arora
Designation: Director & Grievance Officer
Email: ankit@vistarkriya.com
Phone: 8766268711
Address: 55, 3rd Floor, Westend Marg, Saidullajab, Near Saket Metro, New Delhi 110030
We acknowledge grievances within 24 hours and aim to resolve them within 15 days of receipt, or within the timeline mandated by applicable law.
Questions About These Terms?
VistarKriya Marketings Private Limited
Correspondence Address:
55, 3rd Floor, Westend Marg, Saidullajab, Near Saket Metro, New Delhi 110030
Registered Office:
3rd Floor, Shree Jee Plaza, New Road, Dalanwala, Dehradun, Uttarakhand 248001