Terms & Conditions

By accessing, browsing, or using the Friends Credit platform (website, mobile application, or any related services), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

These terms apply to all visitors, users, DSA partners, and others who access our services. If you do not agree with any part of these terms, you must not use our services.

Friends Credit is a DSA (Direct Selling Agent) platform that facilitates loan and financial services by connecting customers with banks and NBFCs. We do not provide loans directly.

• We act as an intermediary between customers and financial institutions
• All loan approvals are at the sole discretion of the respective banks/NBFCs
• Interest rates, fees, and terms are determined by the lenders
• We do not guarantee loan approval or specific terms

To use our DSA services and register on our platform, you must:

• Be at least 18 years of age
• Be a resident of India with valid identity proof
• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Not use the platform for any illegal or unauthorized purpose

We reserve the right to reject or terminate any registration without prior notice if the information provided is found to be false or misleading.

As a registered DSA partner, you agree to:

• Submit only genuine and verified customer leads
• Not make false promises or misrepresent loan terms
• Maintain confidentiality of customer data
• Comply with all applicable laws and regulations
• Not engage in any fraudulent or unethical practices
• Use our platform only for legitimate business purposes

Commission structure and payouts are as follows:

• Commission Rates: Determined by the respective bank/NBFC and updated regularly
• Payout Timing: Commission is credited only after the loan is successfully disbursed
• Pending Payouts: Shown in your dashboard until payment is processed
• Minimum Threshold: Payouts may have minimum thresholds as specified in your account
• TDS: Applicable taxes will be deducted as per government regulations

We reserve the right to modify the commission structure at any time with prior notice.

Access to premium features requires a one-time Portal Access Fee of ₹2,999:

• The fee provides lifetime access to all 12 main services and 20+ additional services
• Payment is processed securely through our payment gateway
• Access is activated automatically upon successful payment
• Refunds are subject to our Refund Policy
• The fee is non-transferable and non-adjustable

You agree NOT to engage in any of the following:

• Submitting fake, duplicated, or unverified leads
• Using automated bots or scrapers on the platform
• Attempting to hack, disrupt, or damage our systems
• Copying, modifying, or distributing our content without permission
• Impersonating another user or entity
• Violating any applicable laws or regulations
• Manipulating commission structures or payouts

All content on this platform — including logos, text, graphics, code, design, and databases — is the exclusive property of Friends Credit and protected by Indian copyright laws.

• You may not reproduce, distribute, or modify our content
• Trademarks and logos cannot be used without written consent
• Unauthorized use may result in legal action

Friends Credit shall not be liable for:

• Loan rejections by banks or NBFCs
• Delays in loan processing or disbursement
• Disputes between you and the customer
• Data loss due to technical failures beyond our control
• Indirect, incidental, or consequential damages
• Actions or omissions of third-party lenders

These Terms & Conditions are governed by the laws of India:

• Any disputes shall be subject to the exclusive jurisdiction of Indian courts
• We may update these terms at any time without prior notice
• Continued use of our services after changes constitutes acceptance
• It is your responsibility to review these terms periodically

For any questions regarding these terms, please contact our support team.