Partner Terms & Conditions

1 Introduction

These Partner Terms & Conditions apply to all persons, entities and associates who join, register, work with or provide leads/services to KKGIF Services Private Limited as a DSA Partner, Sub-DSA, Connector, Freelancer, Work From Home Associate, Referral Partner, Marketing Partner, Lead Partner or any other similar partner category.

By joining or continuing with our partner/referral program, the partner confirms that he/she has read, understood and agreed to these terms, responsibilities, compliance requirements and payout conditions.

2 Partner Categories Covered

This policy applies to the following partner categories:

3 Nature of Relationship

The partner relationship with KKGIF Services Private Limited is purely on independent partner, referral, commission, freelancer or business associate basis. Nothing in these terms shall be treated as employment, agency, partnership firm, joint venture, franchise, permanent appointment or employer-employee relationship.

• Partner will not be treated as a company employee.
• Partner is not entitled to salary, PF, ESIC, gratuity, bonus, leave benefits or employee benefits unless separately appointed in writing as an employee.
• Partner is responsible for his/her own expenses, taxes, mobile, internet, travel and operational costs unless specifically approved in writing.
• Partner cannot represent himself/herself as a director, employee, officer or authorized signatory of the company.
• Partner cannot bind the company legally or financially without written authorization.

4 Role and Responsibilities

The partner shall perform duties in a professional, ethical and lawful manner. Responsibilities may include:

• Generating genuine leads for loan, financial services, multi services and other approved services.
• Explaining basic service process to customers without making false promises.
• Collecting customer details and documents only with customer consent.
• Ensuring that customer information submitted to the company is correct, complete and updated.
• Assisting customers in documentation, form filling, eligibility understanding and service coordination, where permitted.
• Forwarding leads/applications through official company channels only.
• Maintaining proper communication and follow-up with customers and company team.
• Following company process, lender guidelines, documentation checklist and compliance instructions.
• Maintaining customer confidentiality and data security at all times.

5 Prohibited Activities

Partners are strictly prohibited from the following activities:

• Making guarantee of loan approval, service approval, sanction amount, interest rate, payout, income or final result.
• Charging unauthorized fees, cash, commission, processing charges or service charges from customers in the company’s name.
• Taking payment in personal bank account, UPI, wallet or cash without written company approval.
• Submitting fake, forged, edited, misleading or incomplete documents.
• Misusing customer documents, OTP, PAN, Aadhaar, bank statement, mobile number or personal information.
• Sharing customer data with any third party without authorization.
• Using company name, logo, ID card, letterhead, certificate or brand material without permission.
• Posting false advertisements, misleading offers, fake approvals or unauthorized social media promotions.
• Threatening, pressuring, misleading, abusing or harassing any customer, employee, lender or service provider.
• Working in a way that damages company reputation or violates law, RBI guidelines, lender policy or company policy.

6 Customer Data and Confidentiality

Partner must keep all customer data, documents, bank details, identity details, income details, business details, lead information, payout details, lender information and company process confidential.

• Customer documents must be collected only for genuine service purpose.
• Customer consent must be taken before collecting or sharing documents with the company.
• Customer data must not be stored, copied, sold, leaked, forwarded or misused.
• Partner must immediately delete/return customer documents if asked by the company, subject to process requirements.
• Any data leakage, misuse or unauthorized sharing may result in termination, payout hold and legal action.

7 Compliance with Laws and Guidelines

Partner must comply with all applicable laws, rules, regulations, RBI-related customer safety practices, KYC norms, data privacy requirements, anti-fraud practices, consumer protection principles and company policies.

• Partner must not participate in money laundering, fraud, fake documentation or illegal sourcing.
• Partner must not collect OTP, PIN, password, CVV or confidential banking credentials from customers.
• Partner must not make illegal recovery, threat, pressure or coercive communication.
• Partner must report suspicious documents, fraud attempts or fake customers to the company immediately.
• Partner must cooperate in audit, verification, complaint handling or compliance review.

8 Payout, Commission and Referral Benefits

Partner may be eligible for payout, commission, referral benefit or service incentive only as per the payout structure communicated by KKGIF Services Private Limited from time to time.

• Payout is not guaranteed merely by lead submission or application login.
• Payout is generally payable only after successful approval, disbursement, service completion and confirmation from lender/company records, as applicable.
• Payout may vary based on product, lender, service type, slab, case status, quality, location, partner category and company policy.
• Payout may be held, reduced, reversed or cancelled if the case is rejected, cancelled, withdrawn, fraudulent, duplicate, disputed or clawed back by lender/service provider.
• TDS, tax, adjustment, penalty, chargeback or outstanding deduction may be applied as per applicable law and company policy.
• Partner must submit required KYC, PAN, bank details, GST details, invoice or payout documents if required.
• No payout will be made for unauthorized, fake, duplicate, self-generated fraudulent or policy-violating leads.

9 Lead Ownership and Duplicate Leads

Lead ownership will be decided as per company records, CRM entry, referral code, lead date, customer consent, source verification and internal policy.

• If the same customer lead is received from multiple partners, company decision regarding lead ownership shall be final.
• Old leads, existing customers, rejected customers, duplicate entries or already active cases may not be eligible for payout.
• Partner must not claim payout on customer data already available with the company or lender unless approved in writing.
• Lead manipulation, fake mobile numbers, forced customer consent or repeated duplicate entries may result in suspension.

10 No Income Guarantee

KKGIF Services Private Limited does not guarantee fixed income, minimum earning, monthly salary, confirmed payout, fixed target benefit, business success, customer conversion or profitability to any partner.

Partner’s earning depends on his/her own effort, lead quality, market conditions, customer eligibility, lender policy, service provider policy, approval status, disbursement status, cancellation status and company payout rules.

11 Branding, Marketing and Public Communication

Partner may use only approved marketing content, service information and communication format provided or permitted by the company.

• Partner cannot create fake company pages, fake websites, fake offers or misleading advertisements.
• Partner cannot use company logo, name, stamp, certificate or letterhead for unauthorized purpose.
• Partner cannot issue sanction letters, approval letters, job letters, payout letters or commitment letters on behalf of the company.
• Partner cannot represent any bank/NBFC/lender unless specifically authorized by the concerned entity.
• All social media, WhatsApp, calling and marketing communication must be ethical, lawful and truthful.

12 Work From Home and Freelancer Rules

Work From Home Associates and Freelancers must follow task instructions, data security rules, calling discipline, customer communication guidelines and reporting process provided by the company.

• They must not misuse customer database, leads, scripts, company process or internal information.
• They must not share login credentials, sheets, customer data or internal work with outsiders.
• They must submit genuine work reports and must not create fake calls, fake leads or false updates.
• Any target, incentive or payout will be subject to verified work and company approval.
• Company may stop work allocation at any time if performance, conduct, compliance or data security is not satisfactory.

13 Customer Charges and Payment Rules

Partner must not collect any unauthorized amount from customers. Any service charge, processing charge, document charge or payment must be collected only through official company-approved method, if applicable.

• Customer should be asked to pay only to official company account/payment link, where applicable.
• Partner must not receive payment in personal account unless written approval is given by the company.
• Partner must not promise refund, waiver or approval against payment.
• Any unauthorized collection may lead to termination, payout forfeiture and legal action.

14 Termination, Suspension and Payout Hold

KKGIF Services Private Limited reserves the right to suspend, deactivate or terminate any partner registration or association at any time due to misconduct, fraud, poor performance, customer complaint, data misuse, policy violation, unauthorized collection, false commitment or business reason.

• Pending payout may be held during verification, complaint review, fraud check or dispute resolution.
• Payout may be forfeited if the partner is found involved in fraud, fake documentation, unauthorized collection or data misuse.
• After termination, partner must stop using company name, logo, ID, documents, data and marketing material immediately.
• Termination does not remove liability for past misconduct, customer complaint, fraud or legal violation.

15 Indemnity and Liability

Partner shall be personally responsible for his/her own acts, omissions, commitments, misrepresentations, fraud, negligence, unauthorized collection, customer dispute, data misuse or violation of law/policy.

Partner agrees to indemnify and protect KKGIF Services Private Limited from any claim, loss, penalty, legal action, customer dispute, lender complaint, data breach or liability arising due to partner’s actions or violation of these terms.

16 Changes in Terms

KKGIF Services Private Limited may modify, update or revise these Partner Terms & Conditions, payout rules, eligibility criteria, partner categories, compliance requirements or service process from time to time. Continued association with the company after such changes shall be treated as acceptance of the updated terms.

17 Jurisdiction and Dispute Resolution

Any dispute, claim or legal proceeding arising out of or related to partner registration, referral program, payout, commission, customer dispute, service activity, termination, data misuse or these Partner Terms shall be subject to the jurisdiction of competent courts/authorities at Bhopal, Madhya Pradesh only.

The company may attempt internal resolution first, but legal rights and remedies shall remain available as per applicable law.