Disclaimer

1 General Information Disclaimer

DSA Loan Agent website (dsaloanagent.in) lo provide chesina anni information — loan products, interest rates, EMI estimates, insurance premiums, credit card benefits — general informational purpose ki matrame. Ee information professional financial advice ki substitute kaadu.

Website lo display chesina interest rates, loan amounts, insurance premiums, and credit card offers are indicative and subject to change without prior notice. Actual rates and terms may vary based on the applicant's profile, credit score, income, and the lending institution's internal policies at the time of application.

2 DSA / Loan Agent Role

DSA Loan Agent oka Direct Selling Agent (DSA) gaa registered financial intermediary. Maa role loan applications, insurance proposals, and credit card applications — partner banks, NBFCs, and insurance companies ki forward cheyyadam matrame.

Maa services include:

• Customer eligibility pre-screening and product matching
• Document collection and application submission assistance
• Bank / NBFC / insurer coordination and follow-up
• Customer communication and query resolution support
• Claim support facilitation (insurance)

Maa services include kaavani:

• Loan approval guarantee — final decision is entirely with the lender
• Interest rate fixation — rates are determined by the financial institution
• Insurance claim settlement authority — insurers settle claims
• Credit card limit determination — banks decide credit limits

3 No Guarantee of Approval

DSA Loan Agent loan, credit card, or insurance application approve avutundi ani guarantee ivvaledhu. Approval completely depends on:

• Applicant's CIBIL / credit score and credit history
• Income documents and repayment capacity assessment
• Bank / NBFC / insurer's internal underwriting criteria
• Property or asset valuation (if applicable)
• Regulatory guidelines applicable at the time of application

4 Interest Rates & EMI Calculator

Website lo display chesina interest rates and EMI calculator results — illustrative purpose ki matrame. Actual interest rate meeru profile, loan amount, tenure, and lender's policy based gaa vary avutuundi.

• Displayed rates are subject to change without notice
• Processing fees, GST, insurance charges — EMI lo include kaakaapovachu
• Prepayment charges, foreclosure penalties — lender policy varies
• Floating rate loans — market conditions based gaa EMI change avutundi

Final loan terms — interest rate, EMI, tenure, fees — sanction letter lo clearly mention avutaayi. Sign cheyyadaniki mundu completely read cheyyi.

5 Insurance Disclaimer

Insurance related information — coverage details, premium estimates, claim ratios — general guidance ki matrame. Actual policy terms IRDAI regulations and individual insurer's policy wordings follow avutaayi.

• Premium amounts are indicative and depend on age, health, sum insured, and insurer's underwriting
• Coverage exclusions — policy document carefully read cheyyi
• Claim settlement is at the discretion of the insurance company
• DSA Loan Agent claims settle cheyyadu — we only facilitate and support
• ULIP returns are market-linked — past performance is not indicative of future results

6 Credit Card Disclaimer

Credit card information — benefits, reward rates, annual fees, credit limits — are based on publicly available information and may change as per the issuing bank's policy.

• Reward rates and cashback percentages are subject to bank's T&C and spending category caps
• Credit limit is solely determined by the issuing bank based on applicant's profile
• Annual fee waivers depend on spending milestones set by the bank
• Lounge access and other benefits may have usage limits per quarter / year
• Interest on outstanding balance can be up to 36–42% p.a. — responsible usage recommended

7 Third-Party Links & Partner Institutions

DSA Loan Agent website various banks, NBFCs, and insurance companies mention chestundi — LIC, HDFC, SBI, ICICI, Axis, Bajaj Allianz, Star Health, etc. Ee are registered and regulated financial institutions. Maa website lo meeru inka third-party sites ki redirect avvachu.

Third-party websites' content, accuracy, or privacy practices ki DSA Loan Agent responsible kaadu. Those sites' own terms and privacy policies apply avutaayi.

8 Personal Data & Privacy

Meeru share chesina personal information — name, mobile number, income details — only loan / insurance / credit card application processing ki use chestaam. Meeru data:

• Partner banks, NBFCs, and insurance companies ki application purpose ki share avutuundi
• Third parties ki commercial purpose ki sell cheyyabadadu
• Information Technology Act, 2000 and applicable data protection laws follow avutaayi

Full details — Privacy Policy page chudandi.

9 Fee Disclosure

DSA Loan Agent customers ki direct charge cheyyadu. Maa revenue model:

• Banks and NBFCs pay us a referral / processing fee for successfully disbursed loans
• Insurance companies pay us commission on policies issued
• Credit card issuers pay us a referral fee for approved card applications

10 Regulatory Compliance

DSA Loan Agent applicable RBI, IRDAI, and SEBI guidelines follow avutundi. Maa operations:

• Reserve Bank of India (RBI) guidelines for DSA operations
• Insurance Regulatory and Development Authority of India (IRDAI) norms
• Prevention of Money Laundering Act (PMLA) compliance
• Know Your Customer (KYC) norms as prescribed by regulators

Any grievance — first agent ki contact cheyyi. Unresolved aite — respective bank/insurer's grievance cell, then Banking Ombudsman (RBI) or Insurance Ombudsman (IRDAI) approach cheyavachu.

11 Limitation of Liability

DSA Loan Agent, its employees, or representatives — following ki liable kaadu:

• Any financial loss arising from loan, insurance, or credit card decisions
• Lender or insurer's approval or rejection decisions
• Changes in interest rates, premiums, or card benefits by the respective institution
• Errors or omissions in website content that is provided in good faith
• Technical issues, downtime, or data loss on the website

Website lo information "as is" basis lo provide chesaamu — accuracy, completeness, or timeliness guarantee ivvaledu. Important financial decisions ki please verify directly with the respective financial institution.

12 Changes to This Disclaimer

DSA Loan Agent ee disclaimer anytime update cheyyadaniki right reserve chestundi — regulatory changes, business updates, or legal requirements based gaa. Updated disclaimer website lo publish avutundi — "Last Updated" date reflect avutundi.

Website use continue chesthe — updated disclaimer accept chesaaru ani assume chestaam. Regular review cheyyadam meeru responsibility.

13 Jurisdiction

Ee disclaimer and any disputes arising — Hyderabad, Telangana courts jurisdiction lo cover avutaayi. Applicable law: Indian laws including Consumer Protection Act, Information Technology Act, and relevant financial sector regulations.