Terms & Conditions

• "DhanHub" means DhanHub Financial Services Pvt. Ltd., its subsidiaries, affiliates, officers, and employees.
• "DSA Partner" / "You" means any individual or entity registered as a Direct Selling Agent on the DhanHub platform.
• "Platform" means the DhanHub web application (dhanhub.in), mobile applications, APIs, and related services.
• "Lead" means a potential customer whose financial product inquiry is submitted by a DSA Partner through the platform.
• "Lender" means any bank, NBFC, insurance company, or financial institution partnered with DhanHub.
• "Commission" means the fee earned by a DSA Partner on successful disbursal or issuance of a financial product.
• "Franchise Fee" means the one-time onboarding fee of ₹10,000 (plus applicable taxes) paid by DSA Partners upon KYC approval.

• You must be at least 18 years of age to register as a DSA Partner.
• You must be a citizen or resident of India with a valid PAN card and Aadhaar card.
• You must have an active Indian bank account for commission payouts.
• You agree to provide accurate, complete, and up-to-date information during registration and KYC submission.
• DhanHub reserves the right to reject any registration or KYC submission at its sole discretion, without providing reasons.
• You may not register more than one DSA account. Duplicate accounts will be terminated.

• Your DSA account becomes active only after successful completion of KYC verification and payment of the Franchise Fee.
• KYC documents submitted must be authentic. Submission of fraudulent or tampered documents is a criminal offence and will result in immediate termination and legal action.
• DhanHub may request additional documents at any time for ongoing compliance purposes.
• KYC approval typically takes 2–5 business days from the date of complete document submission.

• Upon KYC approval, DSA Partners are required to pay a one-time Franchise Fee of ₹10,000 + GST to activate their account.
• The Franchise Fee is non-refundable, except as provided in the Refund Policy.
• The Franchise Fee grants you access to the DhanHub platform, product catalogue, training resources, and marketing materials.
• Payment must be made through the Razorpay payment gateway integrated in the platform. Payments made through any other channel will not be accepted.

• Active DSA Partners may refer new individuals to join the DhanHub network using their unique referral code.
• When a referred DSA Partner successfully pays the Franchise Fee, the referring partner earns a referral bonus as configured by DhanHub (typically 30–35% of the Franchise Fee).
• Referral bonuses are credited to the referring partner's earnings account within 7 business days of the referred partner's fee payment.
• Self-referrals and fabricated referrals are strictly prohibited and will result in account termination and forfeiture of all earnings.

• DSA Partners are responsible for ensuring that all customer information submitted as leads is accurate, complete, and obtained with the customer's informed consent.
• Submitting fabricated, duplicate, or non-consenting leads is strictly prohibited.
• DhanHub and its Lender partners reserve the right to reject any lead at their sole discretion without liability.
• DSA Partners must not approach a customer already submitted by another DSA Partner to the same lender for the same product within the preceding 90 days.
• Customer data submitted as leads must be treated as strictly confidential and must not be shared with any third party other than through the DhanHub platform.

• Commissions are earned only upon successful disbursal (for loans) or issuance (for insurance/credit cards) of a financial product by the Lender.
• Commission rates are determined by your assigned commission tier and the applicable commission rules configured by DhanHub.
• Commission tiers (New DSA, Silver, Gold, Platinum) are assigned by DhanHub based on performance and are subject to change with 30 days' notice.
• All commission calculations are based on the lender's disbursed amount and DhanHub's revenue share from the lender, at the commission percentages prevailing at the time of disbursal.
• Commission earnings are immutable once recorded. Subsequent changes to commission rules do not affect already-recorded earnings.
• DhanHub reserves the right to adjust or claw back commissions if a lead is found to be fraudulent or if a loan is cancelled/pre-closed within the lender's specified lock-in period.

• Payouts are processed to your registered bank account via Razorpay X (NEFT/IMPS).
• Minimum payout threshold is ₹100. Earnings below this threshold are carried forward to the next payout cycle.
• Payouts are processed weekly (or as per the schedule published on the platform). DhanHub may vary the payout schedule with reasonable notice.
• TDS (Tax Deducted at Source) will be deducted as per applicable Income Tax provisions. A Form 16A will be issued for the same.
• You are responsible for declaring your DhanHub earnings in your income tax returns.
• Incorrect bank account details provided by you that result in failed payouts will be rectified only after verification; DhanHub is not liable for delays arising from incorrect details.

As a DSA Partner, you agree not to:

• Misrepresent DhanHub's products, services, commission rates, or credentials to customers or prospects.
• Make any financial guarantees, loan approval promises, or interest rate commitments on behalf of any Lender.
• Collect any fees, charges, or payments directly from customers in connection with financial products.
• Use DhanHub's brand, logo, or materials in unauthorised ways.
• Engage in multi-level marketing or pyramid schemes using DhanHub's referral programme.
• Access or attempt to access data of other DSA Partners or their leads.
• Attempt to reverse-engineer, hack, or interfere with the platform.
• Submit leads obtained through unsolicited calls, spam, or deceptive methods.

All content on the DhanHub platform, including software, text, graphics, logos, and training materials, is the property of DhanHub or its licensors and is protected by Indian copyright and intellectual property laws. You may use platform content solely for the purpose of conducting DSA activities as contemplated by these Terms.

• Either party may terminate the DSA relationship with 30 days' written notice.
• DhanHub may terminate your account immediately and without notice for violation of these Terms, fraudulent conduct, regulatory non-compliance, or reputational harm.
• Upon termination, your access to the platform will be revoked. Any earned commissions on leads disbursed before termination will be paid out in the normal course; commissions on pending leads will be forfeited.
• The Franchise Fee is non-refundable upon termination for cause.

• DhanHub is a technology platform that connects DSA Partners with Lenders. We are not a lender, broker, or guarantor of any financial product.
• DhanHub is not responsible for any loan rejection, delay in processing, or change in terms by a Lender.
• To the maximum extent permitted by law, DhanHub's total liability to you for any claim arising under these Terms is limited to the commission amount earned by you in the 3 months preceding the claim.
• DhanHub is not liable for indirect, consequential, or incidental losses including loss of profits, loss of data, or loss of business opportunity.

• These Terms are governed by the laws of India.
• Any dispute arising from these Terms will first be attempted to be resolved through mutual negotiation within 30 days.
• If unresolved, disputes will be referred to arbitration under the Arbitration and Conciliation Act, 1996. The seat of arbitration will be [City], India.
• Courts in [City], India will have exclusive jurisdiction for any matters not subject to arbitration.

DhanHub may update these Terms at any time. We will notify you of material changes via email or in-app notification at least 15 days before they take effect. Continued use of the platform after that date constitutes acceptance of the updated Terms.

For questions about these Terms, contact us at: