Terms & Conditions
Effective Date: 06 September 2026
These Terms & Conditions (“Terms”) govern your access to and use of the websites, landing pages, mobile applications, CRM, software, business tools, lead-generation tools, credit-report-related tools, and other digital services provided by Fivekcr Technologies Pvt. Ltd., operating under the brand name Paisapaid.
By accessing our website, submitting an enquiry, registering for our services, making a payment, or using any Paisapaid service, you agree to be bound by these Terms.
1. Company Details
Brand Name: Paisapaid
Legal Name: Fivekcr Technologies Pvt. Ltd.
Address: 18th Milestone, 1st Floor, Sector 15, Faridabad, Haryana – 121003, India
Email: Support@paisapaid.com
Phone / WhatsApp: +91 9910918290
Paisapaid is a brand operated by Fivekcr Technologies Pvt. Ltd.
2. Nature of Our Services
Paisapaid provides technology and business infrastructure for individuals and businesses interested in operating a Loan & Financial Services Business under their own brand.
Depending on the applicable package/service, this may include:
Own Brand Website
Own Brand Mobile Application
Dedicated CRM
Admin Panel
Agent/Advisor Panel
Loan Agent Management
Lead Management
Customer Management
Application Tracking
Approval & Disbursement Tracking
Reports & Analytics
Loan Lead Machine
Credit Report Business Tools
Financial Product/Lender ecosystem access
B2B & B2C business infrastructure
Self-Funding / Loan Management CRM
KYC & Document Management
Lifetime Support
The exact services, features, configurations, integrations, and deliverables applicable to a customer will depend on the package purchased and the agreed scope of work.
3. Own Brand Business Model
Paisapaid provides technology and infrastructure that may enable customers to operate their business under their own brand.
The customer may use applicable:
Domain
Logo/branding
Website
Mobile application
CRM
Agent network
Business tools
subject to the applicable package, technical requirements, third-party services, and agreed configuration.
Paisapaid does not guarantee that a customer will achieve any specific revenue, profit, number of leads, loan approvals, loan disbursements, commissions, or business growth.
Business results depend on the customer's efforts, market conditions, customer demand, lender policies, product availability, and various other factors.
4. Loan & Financial Product Disclaimer
Paisapaid may provide access to or facilitate technology for multiple financial products and lender/service-provider ecosystems.
These may include:
Personal Loans
Business Loans
Instant Loans
KYC Loans
Home Loans
Loan Against Property
Car Loans
Credit Cards
Insurance
Bank Accounts
Demat Accounts
Taxation-related services
Other financial products/services
However, Paisapaid does not guarantee approval or disbursement of any financial product.
Final decisions regarding:
Eligibility
Approval
Loan amount
Interest rate
Tenure
Credit limit
Documentation
Disbursement
Commission/payout
are determined by the respective lender, financial institution, service provider, or applicable partner according to its own policies and eligibility criteria.
5. Loan Lead Machine
Where included in the applicable package, the Loan Lead Machine provides tools and infrastructure intended to assist with loan lead generation, lead management, and business development.
Lead availability, quantity, quality, conversion, approval, and disbursement are not guaranteed.
Lead generation may depend on:
Customer demand
Marketing activity
Geography
Product eligibility
Campaign performance
Market conditions
Lender requirements
Third-party platforms/services
Paisapaid does not guarantee any specific number of leads or any particular conversion rate.
6. Credit Report Business Tools
Where included, Paisapaid may provide tools and technology relating to credit-report/business services.
Use of such tools must comply with applicable laws, regulations, permissions, consent requirements, and the terms applicable to the underlying service provider.
Customers must not misuse customer information, credit information, reports, credentials, or APIs.
Any unauthorized access, sharing, downloading, resale, or misuse may result in suspension or termination of access.
7. Customer Responsibilities
The customer agrees to:
Provide accurate information.
Provide valid business and contact details.
Provide required documents on time.
Use the platform only for lawful purposes.
Keep login credentials confidential.
Follow applicable lender/service-provider policies.
Obtain appropriate customer consent wherever required.
Not misuse customer data.
Not make false promises regarding loan approval or financial products.
Not represent Paisapaid as a lender unless separately authorized.
Not engage in fraudulent, deceptive, or illegal activities.
The customer is responsible for the activities conducted through their own Brand, website, application, CRM, employees, agents, advisors, or representatives.
8. Loan Agents & Employees
Customers may be provided functionality to add and manage Loan Agents/Advisors, subject to their applicable package and platform configuration.
The customer is responsible for:
Recruitment
Training
Supervision
Conduct
Compliance
Payments/commissions to their agents
Customer communication
Activities performed by their agents
Paisapaid is not responsible for independent acts, representations, misconduct, or contractual relationships between the customer and their agents.
9. Website, Mobile App & CRM
Where applicable, Paisapaid may configure and provide digital infrastructure including websites, mobile applications, CRM systems, dashboards, and related tools.
Certain features may depend on:
Third-party APIs
App-store policies
Hosting providers
Payment providers
WhatsApp/SMS providers
Lender systems
Government/regulatory systems
Other external services
Changes, downtime, restrictions, or discontinuation by third-party providers may affect the availability of certain features.
10. Third-Party Services
Paisapaid may integrate or connect with third-party services, lenders, financial institutions, payment providers, communication providers, APIs, or other technology providers.
Paisapaid does not control the independent policies, pricing, availability, approval decisions, or service quality of third parties.
Any third-party service may be subject to separate terms and policies.
11. Payments
All payments for Paisapaid services must be made through the payment methods made available by the company.
The applicable price payable by the customer will be the amount displayed or communicated at the time of purchase/checkout.
Taxes, including applicable GST, may be charged in addition to the base service price where applicable.
A payment confirmation does not automatically mean that every feature or third-party integration is immediately active. Service activation and onboarding may require verification, documentation, configuration, and other technical processes.
12. Digital Service Delivery
Paisapaid provides primarily digital services.
Depending on the purchased package, delivery/activation may take place through:
Email
WhatsApp
Phone
Login credentials
Website access
Mobile application
CRM access
Digital onboarding
Configuration/setup
No physical shipment is generally required for these services.
13. Cancellation & Refund
Cancellation and refund requests will be governed by the applicable Cancellation & Refund Policy published by Paisapaid.
Where a refund eligibility condition is applicable, the customer must satisfy all applicable requirements mentioned in the Refund Policy.
Except where expressly provided under the applicable Refund Policy or required by applicable law, fees paid for digital services may be non-refundable once the service has been delivered, activated, configured, or made available.
14. Intellectual Property
All Paisapaid software, technology, designs, graphics, documentation, systems, processes, trademarks, logos, content, source code, databases, and other intellectual property remain the property of Fivekcr Technologies Pvt. Ltd. or its respective licensors unless expressly agreed otherwise in writing.
The customer receives the applicable right to use the provided services and technology according to the purchased package and these Terms.
The customer may not:
Copy the software
Resell the underlying technology without authorization
Reverse engineer the platform
Extract source code
Reproduce proprietary systems
Circumvent technical restrictions
Use Paisapaid intellectual property without authorization
15. Customer Branding
Where Own Brand functionality is provided, the customer may use their approved branding elements according to the applicable service scope.
The customer must ensure that any:
Logo
Brand name
Content
Advertisement
Business information
Legal information
Financial claims
provided by them is accurate and does not infringe the rights of any third party.
16. Prohibited Activities
Customers must not use Paisapaid services for:
Fraud
Money laundering
Identity theft
Unauthorized financial activities
Misrepresentation
Fake loan approvals
False financial promises
Spam
Phishing
Unauthorized data collection
Sale or misuse of personal information
Illegal financial transactions
Any activity prohibited by applicable law
Paisapaid reserves the right to suspend or terminate access where misuse or unlawful activity is reasonably suspected.
17. Account Security
Customers are responsible for maintaining the confidentiality of their:
Username
Password
OTP
API credentials
Admin access
Agent login credentials
Other account information
Any activity performed through the customer's account may be treated as activity authorized by the customer unless the customer promptly reports unauthorized access.
18. Service Availability
Paisapaid will make reasonable efforts to maintain the availability and functionality of its services.
However, temporary interruptions may occur because of:
Maintenance
Technical issues
Internet failures
Hosting problems
Cybersecurity incidents
Third-party service interruptions
API failures
Government/regulatory changes
Force majeure events
Paisapaid does not guarantee uninterrupted or error-free service at all times.
19. No Guaranteed Income
Paisapaid does not guarantee:
Monthly income
Fixed commission
Number of customers
Number of agents
Number of leads
Loan approvals
Loan disbursements
Profit
Return on investment
Business success
Any examples, testimonials, case studies, commissions, or business results shown on our website or marketing materials are illustrative or represent individual experiences and should not be treated as guaranteed results.
20. Limitation of Liability
To the maximum extent permitted by applicable law, Paisapaid shall not be responsible for indirect, incidental, consequential, or business losses arising from:
Loan rejection
Lender decisions
Customer default
Loss of business
Loss of expected commission
Third-party service failures
Incorrect information provided by the customer
Unauthorized activities by the customer's agents
Customer's misuse of the platform
Nothing in these Terms is intended to exclude liability that cannot legally be excluded under applicable law.
21. Indemnification
The customer agrees to indemnify and hold harmless Fivekcr Technologies Pvt. Ltd., Paisapaid, its employees, representatives, and service providers from claims, losses, damages, liabilities, or expenses arising from:
Violation of these Terms
Misuse of the platform
Fraudulent activity
Violation of applicable law
Unauthorized use of customer data
False representations made by the customer or its agents
Infringement of third-party rights
22. Privacy
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, store, and process personal information.
By using our services, you acknowledge and agree to the applicable Privacy Policy.
23. Changes to These Terms
Paisapaid may update these Terms from time to time to reflect changes in:
Services
Technology
Business practices
Legal requirements
Regulatory requirements
Updated Terms will be published on the website with a revised effective date.
Continued use of the services after an update may constitute acceptance of the revised Terms, subject to applicable law.
24. Governing Law & Jurisdiction
These Terms shall be governed by the laws applicable in India.
Subject to applicable law, disputes arising in connection with these Terms shall be subject to the jurisdiction of the appropriate courts in Faridabad, Haryana, India.
25. Contact Us
For questions regarding these Terms & Conditions:
Fivekcr Technologies Pvt. Ltd.
Brand: Paisapaid
18th Milestone, 1st Floor, Sector 15, Faridabad, Haryana – 121003, India
Email: Support@paisapaid.com
Phone / WhatsApp: +91 9910918290
Support Hours: Monday–Saturday, 10:00 AM–7:00 PM