1. Digital Customer Consent
This Digital Customer Consent is obtained electronically in accordance with the Information Technology Act, 2000 and the RBI Digital Lending Guidelines, 2022.
By ticking a checkbox, clicking “I Agree”, or completing OTP-based authentication, the customer provides free, informed, specific, and explicit consent.
2. Role of Dhan Seva India
- Dhan Sewaaa India Private Limited is not a Bank or NBFC
- It does not provide loans or credit
- It acts only as a loan facilitation and technology platform
3. Lending Decisions
All loan-related decisions including sanction, rejection, interest rates, tenure, disbursement, and recovery are decided solely by RBI-regulated Banks and NBFCs.
4. KYC & Data Processing
KYC verification and storage of customer documents shall be undertaken only by the regulated lender or its authorised Direct Selling Agent (DSA).
Dhan Sewaaa India acts only as a data processor and does not store or independently verify KYC documents.
5. No Guarantee of Loan Approval
Important Disclaimer
No guarantee of loan approval is provided. Rejection, delay, or modification of loan terms shall not create any liability on Dhan Sewaaa India.
6. Limitation of Liability
Dhan Sewaaa India shall not be liable for:
- Lender decisions or internal credit policies
- Delays in processing or disbursement
- Interest rate variations or recovery actions
- Third-party or government system delays
7. Validity of Consent
This electronic consent shall be valid and enforceable under Indian law.
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