Terms & Conditions

Acceptance of these Terms

These Terms & Conditions (“Terms”) govern your use of the PCC-Private CFO Club Partner mobile application and website (the “Platform”) operated by GIGAFACTRY INNOVATIONS PRIVATE LIMITED, a company incorporated in India with its registered office at Industrial Plot No. 71, Block B, First Floor, Sector 65, Noida, Gautam Buddha Nagar, Uttar Pradesh 201301, India (“we”, “us”, “our”). By creating an account or using the Platform you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Platform.

Who can become a Partner

To register as a partner (“Partner”, “you”) you must:

• be at least 18 years old and competent to contract under the Indian Contract Act, 1872;
• be a resident of India with a valid PAN and a bank account in your own name;
• provide accurate, complete and current registration details and keep them updated;
• not have been barred from acting as a loan referral partner by any lender or authority.

We may verify your details and refuse or close any account at our discretion.

Your role as a Partner

You act as an independent referral partner. You introduce prospective borrowers (“Customers”) to banks, NBFCs and housing finance companies (“Lenders”) listed on the Platform.

• You are not an employee, agent or representative of us or of any Lender, and you have no authority to sanction loans, quote final rates or bind any Lender.
• All credit decisions, interest rates, fees and loan terms are decided solely by the Lender.
• The loan agreement is between the Customer and the Lender. We are not a lender and do not lend money.

Code of conduct

You agree that you will NOT:

• collect any fee, deposit, commission, “file charge” or other payment from a Customer in any form;
• promise or guarantee loan approval, a specific interest rate, amount or disbursal date;
• ask Customers for OTPs, passwords, card PINs or net-banking credentials;
• fill in, sign or submit any document on a Customer’s behalf, or submit forged, altered or misleading documents or information;
• ask a Lender to disburse loan money to anyone other than the borrower’s own bank account;
• misuse the name or logo of any Lender or of the Platform, or advertise “guaranteed” or “no-check” loans;
• harass, threaten or mislead any Customer, or contact people who have asked not to be contacted.

You will always disclose your role, the Lender’s name and direct Customers to read the Key Fact Statement (KFS) shared by the Lender before they accept a loan.

Submitting leads and customer consent

You may submit a Customer’s details only after obtaining the Customer’s clear and informed consent to share those details with us and the selected Lender for the purpose of processing their loan application.

You are responsible for the accuracy of the information you enter. Submitting a lead does not guarantee that the Lender will contact, approve or disburse a loan to the Customer.

You must not keep copies of Customer documents after the application is submitted, and you must handle all Customer data in line with our Privacy Policy and applicable law, including the Digital Personal Data Protection Act, 2023.

Payouts, TDS and coins

• A payout is earned only when the Lender confirms disbursal of a loan to a Customer you referred. The payout is calculated on the amount actually disbursed, at the rate and cap shown for that Lender at the time the lead was submitted.
• Tax is deducted at source (TDS) as required by law, currently under Section 194H of the Income-tax Act, and reported against your PAN.
• Withdrawals are made only to a bank account in your own name after you complete PAN and bank details.
• If a loan is cancelled during the cooling-off period, reversed, or found to involve fraud, misrepresentation or a breach of these Terms, the related payout may be withheld or recovered from future payouts.
• Coins are a loyalty reward with no cash value except where we offer conversion. Conversion rates and rules may change, and coins may expire or be cancelled in case of misuse.
• Payout rates shown on the Platform are indicative and may change. Rates for leads already submitted will not be reduced.

Your account and security

Your account is linked to your mobile number and is personal to you. You are responsible for all activity under your account. Do not share your OTP or device access with anyone. Tell us immediately at support@privatecfo.club if you suspect unauthorised use.

You can delete your account at any time from Profile → Delete my account. Records we must keep by law (for example, tax and payout records) will be retained as described in the Privacy Policy.

Intellectual property

The Platform, its content, training material, design, logos and software belong to us or our licensors. We grant you a limited, non-exclusive, non-transferable licence to use the Platform and to share the marketing material provided in it, unmodified, for promoting the products listed. You may not copy, modify, resell or reverse-engineer the Platform.

Suspension and termination

We may suspend or terminate your access immediately if you breach these Terms, act fraudulently, receive repeated Customer complaints, or if required by a Lender or authority. Payouts for loans disbursed before termination will be paid unless they are linked to a breach or fraud.

Disclaimers and limitation of liability

The Platform, calculators (EMI, eligibility) and learning content are provided “as is” for general information. Results are estimates and are not financial, legal or tax advice. Lender offers, rates and policies may change without notice.

To the maximum extent permitted by law, we are not liable for any indirect or consequential loss, or for decisions made by Lenders. Our total liability to you for any claim is limited to the payouts paid to you in the three months before the claim arose.

Indemnity

You agree to indemnify us and our Lenders against any claims, losses or penalties arising from your breach of these Terms, misuse of Customer data, or any fee or payment you collect from a Customer.

Changes to these Terms

We may update these Terms from time to time. We will notify you in the app before material changes take effect. Continued use of the Platform after the effective date means you accept the updated Terms.

Governing law and disputes

These Terms are governed by the laws of India. Subject to the grievance process below, courts at Gautam Buddha Nagar (Noida), Uttar Pradesh have exclusive jurisdiction.

Grievances and contact

For any complaint about the Platform, write to our Grievance Officer, Grievance Officer, at grievance@privatecfo.club. We will acknowledge within 24 hours and aim to resolve within 15 days.

Support: support@privatecfo.club · +911800000000 (Mon–Sat, 10 AM – 7 PM)

GIGAFACTRY INNOVATIONS PRIVATE LIMITED, Industrial Plot No. 71, Block B, First Floor, Sector 65, Noida, Gautam Buddha Nagar, Uttar Pradesh 201301, India

Complaints about a loan itself should first be raised with the Lender’s grievance officer. If unresolved within 30 days, the borrower may approach the RBI Integrated Ombudsman at cms.rbi.org.in.