Disclaimer

01 Nature of Paisainstant

Paisainstant is a loan discovery, lender referral and DSA partner-support platform operated by YUVI BUSINESS & TECHNOLOGY SERVICES. Its DSA network works under a written arrangement with a Master DSA / Channel Partner and within the permissions and any additional authorisations required by the relevant lender and applicable law.

Paisainstant is not a bank or NBFC and does not independently sanction or disburse loans. A lender listing or referral does not mean Paisainstant has a direct appointment from that lender unless separately authorised and established.

02 No loan approval guarantee

Paisainstant does not independently approve, sanction or disburse loans. The relevant lender makes all final decisions, including decisions about eligibility, credit assessment, approval, loan amount, pricing and disbursement. A referral, pincode result, DSA login or indicative calculator result does not guarantee an offer or approval.

03 Third-party lenders

Loan products are offered and governed by the relevant lender’s terms. Customers should review the lender’s official Key Facts Statement (KFS), loan agreement and disclosures, including the interest rate, Annual Percentage Rate (APR), fees, EMI, repayment schedule, charges and applicable terms, before proceeding.

04 DSA partner responsibilities

DSA partners must:

• Work only within their authorised scope.
• Follow the Master DSA / Channel Partner agreement and applicable lender requirements.
• Obtain any required written permission before appointing or using further sub-agents.
• Provide truthful, complete and current loan information, and avoid false promises of approval.
• Obtain appropriate customer permission before handling or sharing customer information.
• Protect customer documents and personal information from unauthorised use or disclosure.
• Never impersonate a bank, NBFC, lender or their personnel.

05 Fraud and unauthorised activities

The following conduct is strictly prohibited in connection with Paisainstant referrals or DSA activity:

• Making fake loan approval promises or misrepresenting a lender’s decision.
• Creating, altering or submitting fake or manipulated documents.
• Collecting an unauthorised processing fee.
• Directing a customer to pay an individual’s UPI ID or personal bank account while falsely claiming it is an official lender payment.
• Misusing PAN, Aadhaar, bank information or customer mobile numbers.
• Requesting or collecting OTPs, UPI PINs, ATM PINs, CVV or internet banking passwords.
• Using Paisainstant or lender names, logos or branding without authorisation.

06 Fraud complaints and actions

Suspected misconduct may be reviewed or investigated. Depending on the facts, applicable agreement and law, actions may include temporary restriction of DSA portal access, suspension or termination under the applicable agreement, notification to the Master DSA / Channel Partner or relevant lender, reporting to competent authorities where appropriate, and preservation of relevant records for investigation.

07 DSA partner accountability

DSA partners are accountable for their own conduct to the extent provided by the applicable contract and law. Nothing in this disclaimer states that Paisainstant automatically has zero liability or that all legal responsibility transfers to a DSA partner. Nothing here excludes liability that cannot legally be excluded.

08 Pincode and lender availability

Pincode search results indicate potential lender coverage based on the site’s current mapping. Actual product availability depends on lender policies, serviceability checks, eligibility criteria and the lender’s final assessment. A result is not a guarantee that a customer can apply, qualify or receive a loan.

09 Referral and tracking links

Referral URLs may include source, campaign or DSA brand identifiers, such as UTM parameters. These identifiers support referral attribution and case reporting. Following a link takes the customer to a third-party website, whose terms and privacy practices apply there. Tracking parameters do not influence or guarantee a lender’s decision.

10 Third-party trademarks and logos

Third-party lender names, trademarks and logos belong to their respective owners and are used for identification in connection with lender discovery or referral activity where authorised. Their display does not, by itself, state an endorsement, partnership or direct appointment beyond the applicable authorisation.

11 Limitation of liability

Website content, pincode results and calculator outputs are provided for general information and may not reflect a lender’s latest criteria or final offer. To the extent permitted by applicable law, Paisainstant is not responsible for decisions made independently by a lender or for the content and operation of external websites. This section does not limit or exclude any liability or right that cannot legally be limited or excluded under Indian law.

12 Governing law

This disclaimer and use of the Paisainstant platform are governed by the laws of India, subject to applicable statutory and regulatory requirements and any mandatory rights or forums provided by law.

13 Business / platform operator

YUVI BUSINESS & TECHNOLOGY SERVICES

Operator of the Paisainstant platform.