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Once you have signed up for the Lead Provider Program, you will be assigned a unique Lead Provider Code(In such case Your Mobile no. is your code). You are permitted to place links, banners, or other graphics we provide with your Lead Provider Code on your site, in your emails, or in other communications. We will provide you with guidelines, link styles, and graphical artwork to use in linking towww.bankpayu.com. We may change the design of the artwork at any time without notice, but we won’t change the dimensions of the images without proper notice.

To permit accurate tracking, reporting, and referral fee accrual, we will provide you with special link formats to be used in all links between your site and the www.bankpayu.com. You must ensure that each of the links between your site and the www.bankpayu.com properly utilizes such special link formats. Links to the www.bankpayu.com placed on your site pursuant to this Agreement and which properly utilize such special link formats are referred to as “Special Links.” You will earn referral fees only with respect to sales on a www.bankpayu.com product occurring directly through Special Links; we will not be liable to you with respect to any failure by you or someone you refer to use Special Links or incorrectly type your Lead Provider Code, including to the extent that such failure may result in any reduction of amounts that would otherwise be paid to you pursuant to this Agreement.

Lead Provider links should point to the page of the product being promoted.

Payout Policy/Referral fees/commissions and payment

Home Loan Payout policy

Terms & conditions for releasing the payout for Home Loan leads:

1. Payout will be released after successful disbursement of given lead only.

2. Payout/gift will be provided/given to only that lead provider/partner/associate who has submitted the lead on our portal for the very first time. It means if someone else will submit the same lead after submitting it from your side then only your lead be considered as unique lead and payout/gifts will be granted/released to first lead provider/partner/associate. Uniqueness of lead will stay for 6 months after submitting the lead. after 6 months any other lead provider/partner/associate will be able to register it again. But, if you have submitted & verified the lead and same referred customer has availed the loan from us within 6 months then you will be entitled for the payout. It also means that multiple payouts cann’t be granted to two or more persons for same lead.

3. BANK PAY U is not offering any payout or gifts for home loan for village or red line properties.

4. Payouts & gifts are available only for 30.00 lacs & above Home Loan proposals.

5. Payout will be released within 45 days after disbursement of loan.

6. Payout will be released on the basis of disbursed amount only. e.g. if you have given lead for construction loan of 1.00 Cr. but, client has taken disbursement of 20.00 lacs in first tranche then payout will be released against <50.00 lacs slab instead of 1.00 cr. slab. you will be getting the payouts whenever client will take partial disbursements. This example has been set only for construction/renovation/home extension loan. We will release the payouts in one short for those cases who are going to take the disbursement in one tranche only.

7. Payout will be released on disbursed amount instead of sanctioned amount. e.g. if client has got sanction of 1.00 Cr. Either he/she has availed the disbursement of 70.00 lacs or Bank has granted 70.00 instead of 1.00 cr then payout will be offered as per lower slabs instead of 1.00 cr slab.

8. In case where client is taking Home loan from us for purchasing property from builder and builder is taking payments in construction linked structure then payouts will be released as per disbursed amount slab only(same as point no. 6).

9. Payout can be delayed in those proposals where bank has demanded for permission to mortgage after registry of property. Payout will be released after getting the permission to mortgage from authority/builder or tehsil office(whichever is applicable as per property locations) in favour of Bank. Same thing can happen where bank has made disbursement but, client has not executed registry due to unforeseen reasons and due to which Bank is unable to release the Disbursed DD to property owner. As soon as registry will be done & there will be no pendencies due as per sanction letter, payout will be released within 45 days from the day of executing registry or getting the Permission to mortgage.

10. Payout will not be granted for below mentioned condition :

* Those proposals where prospect (your given lead) is having current relationship (such as saving/current A/C or existing loan account) of the same bank where he/she is the existing client & also wants the new loan from the same bank. For Example: he/she is having savings A/C in Canara Bank & he/she wants to get the home loan from Canara Bank using our DSA Code then you will not be eligible for the payouts/gift vouchers or any commissions. For such proposals we will pitch some other Banks to your provided leads as Banks do not pass on the payout to us for their existing clients.

Home Loan takeover payout policy

Terms & conditions for releasing the payout for Home Loan Takeover leads:

1. Payout will be released after successful disbursement of given lead only.

3. BANK PAY U is not offering payouts for Home Loan Takeover/Balance transfer Loans on village or red line properties.

4. Payouts & gifts will be given only for loan amount 30.00 lacs & above proposals.

5. Payout will be released within 45 days after disbursement of loan.

6. Payout will be released on the basis of disbursed amount only. e.g. if you have given lead for takeover of Housing Loan of 1.00 Cr. but, client has taken disbursement of 70.00 lacs & rest of the amount has been prepaid to existing Bank i.e. 30 Lacs then payout will be released against 70.00 lacs instead of 1.00 cr.

7. Payout can be delayed in those proposals where bank has demanded for permission to mortgage after takeover of Loan. Payout will be released after getting the permission to mortgage from authority/builder or tehsil office(whichever is applicable as per property locations) in favour of Bank.

8. Payout will not be granted for below mentioned condition :

* Those proposals where prospect (your given lead) is having current relationship (such as saving/current A/C or existing loan account) of the same bank where he/she is the existing client & also wants the new loan from the same bank. For Example: he/she is having savings A/C in Canara Bank & he/she wants to get the home loan balance transfer from Canara Bank using our DSA Code then you will not be eligible for the payouts/gift vouchers or any commissions. For such proposals we will pitch some other Banks to your provided leads as Banks do not pass on the payout to us for their existing clients.

Loan Against Property payout policy

Terms & conditions for releasing the payout for LAP leads:

1. Payout will be released after successful disbursement of given lead only.

3. BANK PAY U is not offering any payout or gifts for loan Against Property for village or red line properties.

4. Payouts & gifts are available only for 30.00 lacs & above loan Against Property proposals.

5. Payout will be released within 45 days after disbursement of loan.

6. Payout will be released on the basis of disbursed amount only. e.g. if you have given lead for loan Against Property of 1.00 Cr. but, client has taken disbursement of 50.00 lacs then payout will be released against <50.00 lacs slab instead of 1.00 cr. slab.

7. BANK PAY U is offering payout for loan Against Property which is in the shape of term loan. This means BANK PAY U is not offering any payout or gifts etc. for LAP OD/Drop line OD products etc. But, we can provide LAP OD/Drop line OD without offering any payouts. you can contact us for such requirements on our mobile no or email id.

8. Payout will not be granted for below mentioned condition :

* Those proposals where prospect (your given lead) is having current relationship (such as saving/current A/C or existing loan account) of the same bank where he/she is the existing client & also wants the new loan from the same bank. For Example: he/she is having savings A/C in Canara Bank & he/she wants to get the Loan Against Property from Canara Bank using our DSA Code then you will not be eligible for the payouts/gift vouchers or any commissions. For such proposals we will pitch some other Banks to your provided leads as Banks do not pass on the payout to us for their existing clients.

Loan Against Property takeover payout policy

Terms & conditions for releasing the payout for LAP takeover leads:

1. Payout will be released after successful disbursement of given lead only.

3. BANK PAY U is not offering any payout or gifts for loan Against Property takeover/balance transfer leads/loans for village or red line properties.

4. Payouts & gifts are available only for 30.00 lacs & above loan Against Property takeover/balance transfer leads/loans.

5. Payout will be released within 45 days after disbursement of loan.

8. Payout will not be granted for below mentioned condition :

* Those proposals where prospect (your given lead) is having current relationship (such as saving/current A/C or existing loan account) of the same bank where he/she is the existing client & also wants the new loan from the same bank. For Example: he/she is having savings A/C in Canara Bank & he/she wants to get the Loan Against Property balance transfer from Canara Bank using our DSA Code then you will not be eligible for the payouts/gift vouchers or any commissions. For such proposals we will pitch some other Banks to your provided leads as Banks do not pass on the payout to us for their existing clients.

Personal Loan payout policy

Terms & conditions for releasing the payout for Personal Loan leads:

1. Payout will be released after successful disbursement of given lead only.

3. Payouts & gifts are available only for 3.00 lacs & above Personal Loan leads.

4. Payout will be released within 45 days after disbursement of loan.

5. Payout will be released on the basis of disbursed amount only. e.g. if you have given lead for 20.00 lacs but, client has taken disbursement of 10.00 lacs then payout will be released against 10.00 lacs instead of 20.00 lacs. similarly if client has applied for Loan of Rs. 20.00 lacs but, Bank has sanctioned him only Rs. 10.00 lacs then our associate/partner will be getting the payouts as per disbursed amount only.

Business Loan payout policy

Terms & conditions for releasing the payout for Business Loan leads:

1. Payout will be released after successful disbursement of given lead only.

3. Payouts & gifts are available only for 3.00 lacs & above Business Loan leads.

4. Payout will be released within 45 days after disbursement of loan.

5. Payout will be released on the basis of disbursed amount only. e.g. if you have given lead for 20.00 Lacs but, client has taken disbursement of 10.00 lacs then payout will be released against 10.00 lacs instead of 20.00 Lacs. similarly if client has applied for Loan of Rs. 20.00 lacs but, Bank has sanctioned him Rs. 10.00 lacs then our associate/partner will be getting the payouts as per disbursed amount slab only.

S.C.O./ SHOP/Commercial/Industrial property purchase loan payout policy

Terms & conditions for releasing the payout for S.C.O/SHOP purchase loan leads:

1. Payout will be released after successful disbursement of given lead only.

3. BANK PAY U is not offering any payout or gifts for loans for S.C.O/SHOP/COMMERCIAL properties which are situated in village or red line properties. Hence, if you are purchasing such properties and want to avail the loan we can provide it without giving any payouts or gifts etc.

4. Payouts & gifts are available only for 30.00 lacs & above Loan proposals.

5. Payout will be released within 45 days after disbursement of loan.

6. Payout will be released on the basis of disbursed amount only. e.g. if you have given lead for commercial property purchase loan of 1.00 Cr. but, client has taken disbursement of 50.00 lacs then payout will be released against 50.00 lacs instead of 1.00 cr.

7. Payout will be released on disbursed amount instead of applied amount. e.g. if client has got applied for Rs. 1.00 Cr. but, Bank has given sanction of 80.00 lacs then payout slab will work for 80.00 lacs only.

8. In case where client is purchasing property from builder and builder is taking payments in construction linked structure then payouts will be released as per disbursed amount slab only.

10. Payout will not be granted for below mentioned condition :

* Those proposals where prospect (your given lead) is having current relationship (such as saving/current A/C or existing loan account) of the same bank where he/she is the existing client & also wants the new loan from the same bank. For Example: he/she is having savings A/C in Canara Bank & he/she wants to get the Loan Against Property/S.C.O/SHOP/BOOTH purchase loan from Canara Bank using our DSA Code then you will not be eligible for the payouts/gift vouchers or any commissions. For such proposals we will pitch some other Banks to your provided leads as Banks do not pass on the payout to us for their existing clients.

We reserve the right to disqualify commissions earned through fraudulent, illegal, or overly aggressive, questionable sales or marketing metho

Identifying yourself as a BANK PAY U Lead Provider

You may not issue any press release with respect to this Agreement or your participation in the Program; such action may result in your termination from the Program. In addition, you may not in any manner misrepresent or embellish the relationship between us and you, say you develop our products, say you are part of www.bankpayu.com or express or imply any relationship or affiliation between us and you or any other person or entity except as expressly permitted by this Agreement (including by expressing or implying that we support, sponsor, endorse, or contribute money to any charity or other cause).

You may not submit lead through your affiliate links for your own use. Such leads may result (in our sole discretion) in the withholding of referral fees and/or the termination of this Agreement.

As long as your current affiliate earning you will be paid within 45 days of successful completion of secured lead. Here, completion is meant for a situation where Lead has availed & disbursed Loan through us.

Customer definition

Customers who buy Loan through this Program will be deemed to be our customers. Accordingly, all of our rules, policies, and operating procedures concerning customer orders, customer service, and product sales will apply to those customers. We may change our policies and operating procedures at any time. For example, we will determine the prices to be charged for products sold under this Program in accordance with our own pricing policies. Product prices and availability may vary from time to time. Because price changes may affect Products that you have listed on your site, you should not display product prices on your site. We will use commercially reasonable efforts to present accurate information, but we cannot guarantee the availability or price of any particular product.

Compliance with Laws

As a condition to your participation in the Program, you agree that while you are a Program participant you will comply with all laws, ordinances, rules, regulations, orders, licenses, permits, judgments, decisions or other requirements of any governmental authority that has jurisdiction over you, whether those laws, etc. are now in effect or later come into effect during the time you are a Program participant. Without limiting the foregoing obligation, you agree that as a condition of your participation in the Program you will comply with all applicable laws (federal, state or otherwise) that govern marketing email, including without limitation, the CAN-SPAM Act of 2003 and all other anti-spam laws.

Term of the Agreement and Program

The term of this Agreement will begin upon our acceptance of your Program application and will end when terminated by either party. Either you or we may terminate this Agreement at any time, with or without cause, by giving the other party written notice of termination. Upon the termination of this Agreement for any reason, you will immediately cease use of, and remove from your site, all links to https://www.bankpayu.com, and all of our trademarks, trade dress, and logos, and all other materials provided by or on behalf of us to you pursuant hereto or in connection with the Program. www.bankpayu.com reserves the right to end the Program at any time. Upon program termination, www.bankpayu.com will pay any outstanding earnings.

Termination

www.bankpayu.com, in its sole discretion, has the right to suspend or terminate your account and refuse any and all current or future use of the Program, or any other www.bankpayu.com service, for any reason at any time. Such termination of the Service will result in the deactivation or deletion of your Account or your access to your Account, and the forfeiture and relinquishment of all potential or to-be-paid commissions in your Account if they were earned through fraudulent, illegal, or overly aggressive, questionable sales or marketing methods. www.bankpayu.com reserves the right to refuse service to anyone for any reason at any time.

Relationship of Parties

You and we are independent contractors, and nothing in this Agreement will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between the parties. You will have no authority to make or accept any offers or representations on our behalf. You will not make any statement, whether on your site or otherwise, that reasonably would contradict anything in this Section.

Limitations of Liability

We will not be liable for indirect, special, or consequential damages (or any loss of revenue, profits, or data) arising in connection with this Agreement or the Program, even if we have been advised of the possibility of such damages. Further, our aggregate liability arising with respect to this Agreement and the Program will not exceed the total referral fees paid or payable to you under this Agreement.

Disclaimers

We make no express or implied warranties or representations with respect to the Program or any products sold through the Program (including, without limitation, warranties of fitness, merchantability, noninfringement, or any implied warranties arising out of a course of performance, dealing, or trade usage). In addition, we make no representation that the operation of the www.bankpayu.com will be uninterrupted or error-free, and we will not be liable for the consequences of any interruptions or errors.

Independent Investigation

YOU ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT AND AGREE TO ALL ITS TERMS AND CONDITIONS. YOU UNDERSTAND THAT WE MAY AT ANY TIME (DIRECTLY OR INDIRECTLY) SOLICIT CUSTOMER REFERRALS ON TERMS THAT MAY DIFFER FROM THOSE CONTAINED IN THIS AGREEMENT OR OPERATE WEB SITES THAT ARE SIMILAR TO OR COMPETE WITH YOUR WEB SITE. YOU HAVE INDEPENDENTLY EVALUATED THE DESIRABILITY OF PARTICIPATING IN THE PROGRAM AND ARE NOT RELYING ON ANY REPRESENTATION, GUARANTEE, OR STATEMENT OTHER THAN AS SET FORTH IN THIS AGREEMENT.

Arbitration

Any dispute relating in any way to this Agreement (including any actual or alleged breach hereof), any transactions or activities under this Agreement or your relationship with us or any of our Lead Provider shall be submitted to confidential arbitration, except that, to the extent you have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in Punjab & Haryana High Court (and you consent to non-exclusive jurisdiction and venue in such courts) or any other court of competent jurisdiction. Arbitration under this agreement shall be conducted under the rules then prevailing of the INDIAN PENAL CODE. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

Miscellaneous

This Agreement will be governed by the laws of INDIA, without reference to rules governing choice of laws. You may not assign this Agreement, by operation of law or otherwise, without our prior written consent. Subject to that restriction, this Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Our failure to enforce your strict performance of any provision of this Agreement will not constitute a waiver of our right to subsequently enforce such provision or any other provision of this Agreement.

The failure of www.bankpayu.com to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. The Terms of Service constitutes the entire agreement between you and www.bankpayu.com and govern your use of the Service, superceding any prior agreements between you and www.bankpayu.com (including, but not limited to, any prior versions of the Terms of Service).

BANK PAY U Lead Provider Program Terms of Service agreement

By signing up to be an Lead Provider in the www.bankpayu.com Lead provider Program (“Program”) you are agreeing to be bound by the following terms and conditions (“Terms of Service”).

www.bankpayu.com reserves the right to update and change the Terms of Service from time to time without notice. Any new features that augment or enhance the current Program, including the release of new tools and resources, shall be subject to the Terms of Service. Continued use of the Program after any such changes shall constitute your consent to such changes.

Violation of any of the terms below will result in the termination of your Account and for forfeiture of any outstanding Lead Provider commission payments earned during the violation. You agree to use the Lead Provider Program at your own risk.

Account Terms

- You must be 18 years or older to be part of this Program.

- You must live in INDIA to be a Lead Provider.

- You must be a human. Accounts registered by “bots” or other automated methods are not permitted.

- You must provide your legal full name, a valid email address, and any other information requested in order to complete the signup process.

- Your login may only be used by one person – a single login shared by multiple people is not permitted.

- You are responsible for maintaining the security of your account and password. www.bankpayu.com cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.

- You are responsible for all Content posted and activity that occurs under your account.

- One person or legal entity may not maintain more than one account.

- You may not use the Lead Provider Program for any illegal or unauthorized purpose. You must not, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

- You may not use the Lead Provider Program to earn money on your own www.bankpayu.com product accounts.