Terms and Conditions

1. Acceptance of Terms

These Terms govern your use of the DSA Plus platform operated by DSA Plus ("Platform", "we", "us"). The Platform includes dsaplus.in, all related administrative and associated subdomains, mobile applications, and hosted one-page agent mini-websites. By registering, buying a subscription, or using the Platform, you agree to these Terms, our Privacy Policy, and our Refund and Cancellation Policy.

If you access or use the Platform on behalf of an enterprise, firm, or company, you represent and warrant that you have the legal authority to bind that legal entity to these Terms.

2. Key Definitions

• Subscriber: A loan agent, DSA firm, or financial consultant who registers and purchases a subscription plan.
• Team Member: An employee, manager, or associate user added by a Subscriber with specific role-based permissions.
• Connector: A sub-agent, referral associate, or introducer managed under a Subscriber's distribution hierarchy.
• Banker: An authorized officer of a bank, NBFC, or financial institution provided guest access to review specific loan files.
• Applicant: A retail or commercial loan applicant, co-applicant, or guarantor whose loan file or data is managed on the Platform.
• Services: Subscription capabilities, verification APIs, credit analytics, OCR extraction, and document management provided on the Platform.
• Wallet: The prepaid software balance maintained by a Subscriber to pay per-usage utility API services.

3. What DSA Plus Is — and What It Is Not

DSA Plus is exclusively a business workflow SaaS technology platform designed to assist loan intermediaries in managing borrower leads, documents, loan cases, banker pipelines, and connector payouts.

Eligibility results, AI-based lender recommendations, "case potential" indicators, and EMI calculations generated on the Platform are indicative only. The final decision to sanction, reject, or price any loan rests solely with the respective empanelled lender or banking institution.

4. User Accounts & Security

You must be at least 18 years of age and legally competent to enter into binding contracts under the Indian Contract Act, 1872. You agree to furnish accurate, complete registration information and keep it updated. We reserve the right to request commercial proof or business KYC documents.

You are entirely responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your primary account, Team Members, and Connectors. You must immediately notify our security desk at info@dsaplus.in or support@dsaplus.in upon discovering any unauthorized access or security breach.

5. Bankers and Applicants Access

Bankers access only specific loan applications and documents shared with them by the Subscriber and are restricted to evaluating that specific case. Applicants accessing a secure borrower tracking link (verified via SMS OTP) may view case status and upload requested documents. Applicants are not subscribers and are never billed by DSA Plus.

6. Subscriber Obligations & Compliance

As a registered Subscriber on DSA Plus, you expressly agree and covenant that you will:

• Hold all requisite authorisations, code allocations, or agreements with lenders/NBFCs for whom you source applications.
• Comply with all applicable statutory laws, RBI guidelines, and digital lending directives governing your operations.
• Obtain explicit, documented consent from the Applicant prior to uploading any personal data or running any verification check (including credit bureau reports, PAN, Aadhaar OTP/OKYC, GST, ITR, or vehicle RC checks), and maintain verifiable records of such consent.
• Use applicant data and credit analytics solely for processing the applicant's bona fide loan request and never sell or redistribute it.
• Remain solely responsible for tracking, calculating, and disbursing commission payouts to your Connectors and Team Members.
• Be fully responsible for the truthfulness and accuracy of the content published on your custom-hosted one-page DSA mini-website.

7. Prohibited Uses

You agree not to use the Platform to:

• Run verification queries or bureau checks on any individual without their explicit prior consent.
• Upload forged, fraudulent, tampered, or unlawfully obtained financial documents.
• Facilitate predatory lending, unlawful debt collection, harassment, money laundering, or illegal financial schemes.
• Resell, sublicense, scrape, or extract platform software, models, or data without authorization.
• Attempt to reverse-engineer, decompile, bypass rate limits, or disrupt the platform infrastructure.

We reserve the right to suspend or terminate accounts immediately upon any breach of this section without refund.

8. Subscription Plans & Payments

Subscription plans, feature tiers, and pricing are listed on the Platform in Indian Rupees (INR). Prices are exclusive of applicable Goods and Services Tax (GST), which will be charged at statutory rates with a tax invoice.

All online payments are securely processed through RBI-authorized payment aggregators (including Razorpay). DSA Plus does not store card numbers, CVVs, or net banking passwords. Renewals, cancellations, and refunds are governed by our Refund and Cancellation Policy.

9. Prepaid Wallet Terms

The Platform Wallet is a prepaid digital software utility balance used strictly to pay for on-demand services (such as bureau analytics, document OCR, and verification APIs).

• Wallet balances are non-transferable, earn no interest, and cannot be withdrawn as cash.
• The unit fee for each service is clearly displayed before execution and debited immediately when the query is dispatched to the respective third-party provider, including instances where the provider returns a "no-hit" record.
• Unused wallet balances are refundable strictly subject to the conditions set out in the Refund and Cancellation Policy.

10. Third-Party Integrations & Bureau Data

Third-party services—including credit bureaus, document OCR, government identity verification, bank statement analyzers, and cloud SMS providers—are integrated as technology utilities. Their reports are provided on an "as-is" basis as returned by the provider. DSA Plus makes no representation regarding the absolute accuracy or uptime of external government or bureau registries.

11. Data Ownership & DPDP Compliance

You retain all rights and ownership of the borrower files, contact records, and business documentation you upload. You grant DSA Plus a limited, secure license to host, process, and transmit this data strictly for fulfilling the Platform services.

Under the Digital Personal Data Protection Act, 2023, DSA Plus operates as a Data Processor on behalf of the Subscriber. You may export your case data and records at any time during an active plan and within 30 days of plan expiration.

12. Intellectual Property Rights

The DSA Plus platform, its proprietary loan matching algorithms, user interface, brand assets, and software code remain the exclusive property of DSA Plus and its licensors. Subscribers receive a non-exclusive, non-transferable, revocable license to access the Platform during the validity of their paid subscription.

13. Limitation of Liability

To the maximum extent permitted by applicable Indian law, DSA Plus and its affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages, loss of business profits, lost loan commissions, or rejection of credit applications by lending institutions.

In all circumstances, our maximum aggregate liability for any legal claim arising out of these Terms or the Platform shall be strictly limited to the subscription fees paid by you to DSA Plus in the three (3) months preceding the event.

14. Dispute Resolution & Jurisdiction

These Terms are governed by and construed in accordance with the laws of India. In the event of any dispute or claim, the parties shall first make good-faith efforts to reach an amicable resolution within thirty (30) days. Any unresolved disputes shall be subject to the exclusive jurisdiction of the competent courts in India.

15. Contact & Grievance Redressal

For questions regarding these Terms, compliance matters, or service notices, please reach out to our team: