Terms & Conditions - Bhagyoday Finance

Effective Date: 29 August 2026

Welcome to Bhagyoday Finance. By accessing or using our platform, you agree to be bound by these Terms & Conditions. Please read them carefully before using our services.

1. Definitions

In these Terms & Conditions, the following terms shall have the following meanings:

"Platform" refers to the Bhagyoday Finance website and its associated services.
"Channel Partner" or "CP" refers to registered partners who refer customers to the platform.
"Customer" refers to individuals seeking financial services through the platform.
"Commission" refers to the fee earned by Channel Partners for successful referrals.
"Services" refers to all financial products and services offered through the platform.

2. Channel Partner Responsibilities & Liability

                                ⚠️ Important: Channel Partners are fully responsible for their interactions with customers and any financial transactions.
                            

2.1. Customer Verification

Channel Partners must verify the identity and eligibility of customers before referring them to the platform.
Partners are responsible for ensuring all customer information provided is accurate and complete.

2.2. Financial Transactions

Channel Partners are solely responsible for any financial transactions they conduct with customers.
In case of any financial dispute between a CP and a customer, the CP shall be held liable for resolving the issue.
Channel Partners must not collect any fees or charges from customers without prior written authorization.
Any agreement between a CP and a customer is the sole responsibility of the CP.

                                🔴 Liability Clause: If a Channel Partner receives money from a customer and fails to deliver the promised service, or if any financial dispute arises, the Channel Partner shall be held fully responsible. 
                                The platform shall not be liable for any financial losses or disputes arising between a Channel Partner and a customer.
                            

2.3. Compliance

Channel Partners must comply with all applicable laws and regulations.
Partners must not engage in any fraudulent or deceptive practices.
Partners must maintain the confidentiality of customer information.

3. Money Handling Policy for Channel Partners

                                ⚠️ Important: Channel Partners are strictly prohibited from collecting money directly from customers unless explicitly authorized in writing.
                            

3.1. Commission Structure

Commissions are earned based on successful loan disbursements and referral activities.
Commission rates are determined by the platform and may be updated from time to time.
All commissions are subject to applicable taxes and deductions.

3.2. Payment Processing

All financial transactions must be processed through the platform's authorized payment channels.
Channel Partners must not accept cash or direct payments from customers.
Any violation of this policy will result in immediate termination of the CP account.

3.3. Dispute Resolution

In case of any financial dispute, Channel Partners agree to cooperate fully with the investigation.
The platform reserves the right to withhold commissions until disputes are resolved.
Channel Partners are liable for any financial losses incurred due to their actions.

4. Termination & Suspension

The platform reserves the right to terminate or suspend a Channel Partner's account in the following cases:

Violation of these Terms & Conditions.
Engaging in fraudulent or deceptive practices.
Failing to comply with applicable laws and regulations.
Misusing customer information or platform resources.
Involvement in any financial fraud or dispute.
Failure to maintain professional conduct.

Upon termination, all pending commissions shall be forfeited, and the CP account shall be permanently deactivated.

5. Liability & Indemnification

                                🔴 Disclaimer: Bhagyoday Finance is a platform that connects Channel Partners with customers. 
                                We are not a financial institution and do not provide financial advice or services directly.
                            

5.1. CP Liability

Channel Partners are fully liable for their actions and any consequences arising from their interactions with customers.
In case of any financial loss, the Channel Partner shall be solely responsible for compensation.
Channel Partners agree to indemnify and hold the platform harmless from any claims, damages, or losses.

5.2. Platform Liability

The platform acts as an intermediary and is not responsible for CP-customer transactions.
The platform does not guarantee the accuracy or completeness of any information provided.
The platform is not liable for any financial disputes between CPs and customers.

6. Intellectual Property

All content on the platform, including text, graphics, logos, and software, is the property of Bhagyoday Finance.
Channel Partners are granted a limited license to use the platform for authorized purposes.
CPs must not copy, modify, or distribute any platform content without permission.

7. Amendments

These Terms & Conditions may be amended from time to time. Channel Partners will be notified of any changes via email or through the platform. Continued use of the platform constitutes acceptance of the updated terms.

8. Governing Law

These Terms & Conditions are governed by the laws of India. Any disputes arising out of these terms shall be subject to the exclusive jurisdiction of the courts in India.

9. Contact Us

If you have any questions about these Terms & Conditions, please contact us:

Email: support@bhagyodayfinance.com
Phone: +91-92251 07515
Address: Bhagyoday Finance, India

📋 Terms & Conditions