Promoter Terms and Conditions

Effective date: 13 September 2026. These are a practical starter template, not legal advice. Have an Indian lawyer review the final version, add Rajyalaxmi Enterprises’ legal address, GST details and governing state before publishing.

1. Independent promoter

You are an independent referral promoter, not an employee, agent, partner or representative authorised to bind Rajyalaxmi Enterprises, Tata AIA, Tata AIG, ICCSL or any lender. You may not promise approval, coverage, returns, discounts or earnings.

2. Lead consent and privacy

Submit a lead only after the customer has freely agreed to be contacted about the selected service. Provide correct information and do not upload sensitive documents unless specifically requested through an approved secure process. Do not use purchased lists, spam, deceptive messages or another person’s data without consent. We use information only to assess, contact and service the lead, subject to our privacy notice and applicable Indian law.

3. Earnings and rewards

A reward is payable only for a valid, accepted and successful lead, after the relevant product/lender process and any applicable free-look, cancellation or clawback period. The current promoter reward is 10% of the recorded agent commission for a successful lead, unless revised in writing. Earnings are not guaranteed; rejected, duplicate, fraudulent, cancelled, lapsed or non-compliant leads earn no reward. Payments may require KYC, PAN/bank details and statutory tax deductions.

4. Marketing conduct

Use only approved, truthful promotional material. Never impersonate an insurer, lender or government body; make misleading comparisons; guarantee a loan or policy; collect cash; or solicit money in our name. Follow applicable IRDAI, lender, consumer-protection, data-protection and anti-spam requirements. Use only consent-based WhatsApp/social messages.

5. Review, suspension and disputes

We may verify leads, change rewards prospectively, reject leads, or suspend/terminate access for misuse, fraud, harassment, regulatory risk or breach of these terms. Our lead-status records are the initial basis for reward calculations. Raise a query within 15 days of a status/payment entry at the official support channel. These terms are governed by Indian law; courts at [insert city/state] have jurisdiction, subject to applicable law.

6. Acceptance

By registering, you confirm that you are 18 or older, have read these terms, and agree to them. Contact support on WhatsApp before continuing if anything is unclear.