Terms of use

1. What Credmo Capital is

Credmo Capital is a technology platform that lets registered partners refer customers to financial products offered by third-party Providers (banks, NBFCs, asset management companies, brokers, insurers and fintech companies) and earn a referral payout when a referred application reaches the goals defined for that product.

Credmo Capital is not a lender, bank, insurer, broker or investment adviser. We do not guarantee that any application will be approved, and all decisions on an application are taken solely by the Provider under its own policies and applicable regulation.

2. Eligibility

• You must be at least 18 years old, resident in India, and legally capable of entering into a contract.
• You must hold a valid PAN and an Indian bank account or UPI ID in your own name to receive payouts.
• You must not be barred by any regulator, Provider or previous agreement from acting as a referral agent for financial products.

3. Accounts and security

• Provide accurate, current information during registration and keep it updated. Accounts created with false information may be suspended.
• One person may hold one Connector account and, if eligible, one DSA account. Duplicate or fake accounts will be removed and payouts forfeited.
• You are responsible for keeping your password and devices secure and for all activity under your account. Tell us immediately if you suspect unauthorised use.
• Registration may require approval by our team. We may decline or revoke approval at our discretion.

4. DSA and Connector roles

• Connectors refer customers and create leads. A Connector may join under a DSA, in which case the DSA may control which products the Connector can access and the payout for each.
• DSAs may build a team of Connectors, assign products, set Connector payouts within the limits shown on the platform, and earn the difference between the product payout and the Connector payout on completed team files.
• A DSA is responsible for the conduct of Connectors it onboards, including ensuring they follow these terms. Payouts to a DSA may be withheld where its team engages in prohibited activity.
• We may change product availability, payout amounts, goals and role capabilities at any time. Changes apply to leads created after the change unless stated otherwise.

5. Partner conduct

As a partner you agree to:

• Describe products honestly using the information provided on the platform; never promise approval, rates, limits or timelines that the Provider has not confirmed.
• Obtain the customer's consent before entering their details, and submit only genuine applications from real customers who intend to apply.
• Never charge a customer any fee for applying, and never ask a customer for their OTP, password or card PIN.
• Not represent yourself as an employee of Credmo Capital or any Provider. You are an independent referral partner, not an employee, agent or franchisee.
• Comply with all applicable laws, including the guidelines of the RBI, SEBI and IRDAI that apply to the products you refer.

6. Payouts, wallet and withdrawals

• Payouts are earned only when a lead reaches a goal that the platform marks as complete for that product (for example "disbursed", "card issued", "account opened"). Marking is done by our team on confirmation from the Provider.
• The payout shown on a product at the time the lead is created is the payout that applies to that lead, unless the Provider changes its terms before completion.
• Earnings are credited to your in-app wallet. You may request a withdrawal to your verified bank account or UPI once your balance is at least ₹500. Withdrawals are processed by our team and may take a few working days.
• We may deduct TDS or other taxes as required by law. You are responsible for declaring referral income in your tax returns and for GST compliance if applicable to you.
• If a Provider reverses, cancels or claws back a completed file, or if a payout was credited by mistake or obtained through prohibited activity, we may reverse the corresponding wallet credit. Reversals are shown as separate entries in your wallet.
• Wallet balances do not earn interest and are not a deposit. The wallet is a record of referral amounts payable to you by Credmo Capital.

7. Leads and customers

• A lead belongs to the partner account that created it. If the same customer applies for the same product through two partners, the earlier valid lead takes precedence.
• Customer data is to be used only for the application the customer requested. You may not copy, export, sell or reuse customer data for any other purpose.
• We may reassign a lead to another partner where the original partner is suspended, inactive or at the customer's request.
• Customers submitting an application through a partner link consent to their details being shared with the relevant Provider and with the referring partner for follow-up.

8. Prohibited activities

• Submitting fake, duplicate, self-referred or non-consenting applications, or applications using forged documents.
• Charging customers, offering cashback or inducements against platform or Provider rules, or misrepresenting products.
• Spamming, mass unsolicited messaging, or advertising that violates TRAI, DND or platform rules.
• Attempting to access other users' data, bypass access controls, scrape the platform, reverse-engineer the app or interfere with its operation.
• Using Credmo Capital branding, product materials or the partner ID card in a misleading way.

Violations may result in withholding of payouts, suspension or permanent termination, and may be reported to Providers or authorities.

9. Content and intellectual property

The platform, its design, software, text, logos and marketing materials are owned by Credmo Capital or its licensors. Provider names and logos belong to the respective Providers and are shown for identification. You may use product links, brochures and your partner ID card only for genuine referral activity on the platform.

10. Suspension and termination

• You may close your account at any time from the Delete account page. Valid earned payouts above the minimum are paid before deletion.
• We may suspend or terminate accounts that breach these terms, are inactive for an extended period, or where required by a Provider or by law. Payouts under investigation may be held until the investigation is complete.
• Sections on payouts, data, liability and disputes survive termination.

11. Disclaimers and liability

• The platform is provided "as is". We work to keep it available and accurate but do not guarantee uninterrupted or error-free operation.
• We are not responsible for a Provider's decision on any application, for its service, rates or terms, or for any loss arising from a Provider's actions.
• Earnings estimates, calculators and examples on the website are illustrations, not promises of income.
• To the extent permitted by law, our total liability to you for any claim relating to the platform is limited to the referral payouts actually due to you in the three months before the claim.

12. Governing law and disputes

These terms are governed by the laws of India. Courts at the location of our registered office have exclusive jurisdiction, subject to any mandatory consumer-protection rights. Before going to court, please raise the issue with us at support@credmo.in — most issues are resolved within a few working days.

13. Changes to these terms

We may update these terms. The "last updated" date shows the current version. Continued use of the platform after a change means you accept the updated terms. Material changes will be notified in the app or by email.