Terms & Conditions

In these Terms, unless the context requires otherwise, the following expressions shall have the meanings assigned below.

Company, OFAPL, We, Us or Our means Orin Financial Advisory Private Limited, a company incorporated under the laws of India, having its registered office at 2nd Floor, 8/42, Kirti Nagar Industrial Area, New Delhi, West Delhi – 110015. DhanLY means the brand and digital platform operated by OFAPL through www.dhanly.in.

User, You or Your means any individual who visits, accesses, registers on, interacts with, submits information through, or avails services on the Platform. Lending Partner means any RBI-regulated bank, NBFC or other regulated lender with whom OFAPL may partner for facilitating loan offers and related services. Services means technology, lead facilitation, eligibility assessment, loan application assistance, customer support, credit insights, digital onboarding assistance, document collection, communication, repayment assistance, and other services provided by OFAPL as an LSP or technology service provider.

Personal Data, Sensitive Personal Data, Credit Information, KYC Documents, Bureau Report, Key Facts Statement or KFS, APR, eNACH, UPI Mandate, CKYC, Digilocker, and Video KYC shall have the meaning assigned under applicable law, RBI directions, credit information regulations, and the specific product journey in which such terms are used.

DhanLY is an independent digital platform and brand owned and operated by OFAPL. OFAPL acts as a Lending Service Provider, technology platform, facilitation partner and customer interface for connecting Users with regulated Lending Partners and related service providers.

OFAPL is not a bank, NBFC, credit information company, payment bank, insurance company, deposit-taking entity, chit fund or investment scheme. Unless expressly stated otherwise in writing, OFAPL does not itself sanction, grant, disburse or underwrite loans. Loan sanction, approval, rejection, interest rate, processing fee, tenure, repayment terms, penal charges, foreclosure terms and disbursement are determined solely by the relevant Lending Partner in accordance with its credit policy and applicable regulations.

Nothing on the Platform shall be construed as a guarantee of loan approval, minimum loan amount, specific interest rate, disbursement timeline, or continued availability of any offer. All offers displayed are indicative, conditional, subject to verification, and may be modified, withdrawn or declined by the relevant Lending Partner.

These Terms constitute an electronic record under the Information Technology Act, 2000 and applicable rules, and do not require physical, electronic or digital signatures. Your continued use of the Platform constitutes acceptance of these Terms.

If You do not agree with these Terms, the Privacy Policy, any consent notice or any product-specific terms, You must immediately stop using the Platform. The Company may update these Terms from time to time and the updated version shall be posted on the Platform. Continued usage after publication shall constitute acceptance of the revised Terms.

You represent and warrant that You are a natural person, an Indian resident, at least 18 years of age, legally competent to enter into a binding contract under the Indian Contract Act, 1872, and permitted under applicable law to use the Platform.

You agree to provide accurate, current, complete and non-misleading information. OFAPL and/or its Lending Partners may reject, suspend or terminate Your journey where information is incomplete, inaccurate, unverifiable, suspicious, fraudulent, inconsistent or otherwise fails policy checks.

You shall not impersonate another person or use another person's identity, mobile number, PAN, email, bank account, KYC documents or device without lawful authority. You shall not use the Platform for unlawful, fraudulent, abusive, misleading, prohibited or unauthorized purposes. You shall cooperate with additional document, verification, consent or clarification requests raised by OFAPL, Lending Partners, service providers or regulatory authorities.

To access certain Services, You may be required to provide Your mobile number, email address, OTP verification, PAN, date of birth, address, employment details, income details, bank account details or other information. You are responsible for maintaining confidentiality of OTPs, credentials and device access.

You authorize OFAPL to authenticate You through OTP, device checks, fraud prevention checks, login credentials, consent artefacts, digital signatures, e-sign, CKYC, Digilocker, bureau authentication, bank verification and other methods permitted by law.

The Platform may provide one or more of the following services: loan eligibility discovery, lead capture, loan application assistance, lender matching, offer display, credit insights, document collection, KYC facilitation, bank account verification, mandate creation, repayment reminders, customer support, collection support, consent management, and other allied services.

The exact scope of Services may vary depending on product, Lending Partner, User profile, geography, eligibility, regulatory requirements and integration status. OFAPL may add, modify, suspend or discontinue any Service at its discretion, subject to applicable law. Services include:

• Personal loan / consumer loan facilitation through Lending Partners.
• Credit bureau consent and report-based insights using CRIF Highmark and Experian, where enabled.
• Communication and servicing support across call, SMS, WhatsApp, RCS, IVR, email and other lawful channels.
• Digital onboarding support including KYC, bank verification, eNACH / UPI mandate and loan document execution assistance.

Based on information submitted by You, consent provided by You, preliminary eligibility rules, credit bureau information, fraud checks, income assessment, bank statement analysis and the Lending Partner's policy, the Platform may display one or more loan offers or eligibility outcomes.

Where multiple loan offers are available, the Platform may display, sort or highlight offers based on parameters such as loan amount, tenure, APR, interest rate, processing fee, approval probability, disbursal speed, repayment structure, lender policy, risk eligibility, customer preference and operational feasibility. Any recommended offer is for convenience only and the final choice remains with You.

The User acknowledges that OFAPL merely facilitates the digital journey and does not make the final lending decision. Final sanction and disbursement shall occur only after completion of lender-required verification, KYC, documentation, mandate setup and acceptance of the KFS/loan agreement.

By proceeding on the Platform, You authorize OFAPL, Lending Partners and their authorized service providers to conduct identity verification, KYC, CKYC, Digilocker document retrieval, PAN verification, PAN-Aadhaar linkage checks, liveliness checks, selfie capture, Video KYC, address verification, employment verification, bank account verification, penny drop, bank statement analysis, fraud screening, device/IP checks, and such other checks as may be necessary for onboarding, eligibility assessment, compliance and risk management.

You further authorize creation, registration and processing of eNACH, UPI mandate, repayment mandate or other digital payment authorization where required by a Lending Partner for repayment or collection of dues. Failure to complete such checks or mandates may result in rejection, suspension or delay of the application.

Where You provide explicit consent, OFAPL may act as Your authorized agent to access Your credit information from CRIF Highmark and/or Experian for the purpose of identity verification, eligibility assessment, credit insights, loan application processing, risk evaluation, offer generation, fraud prevention and sharing such information with relevant Lending Partners as necessary for the requested Services.

You acknowledge that Lending Partners may independently report sanctioned loans, repayment behaviour, overdue amounts, settlement, restructuring, default or closure information to credit information companies in accordance with applicable law. Delay or default in repayment may adversely affect Your credit score and credit history.

Before accepting any loan, You shall be provided with applicable disclosures, including the Key Facts Statement, annual percentage rate, interest rate, processing fee, penal charges, repayment schedule, cooling-off period where applicable, foreclosure/prepayment terms, grievance details and other charges as required by applicable law and Lending Partner policy.

You should read all loan documents carefully before acceptance. Acceptance through OTP, e-sign, checkbox, clickwrap, electronic signature or any other permitted digital method shall be binding. OFAPL does not control the final terms of the loan agreement between You and the Lending Partner.

If a loan is sanctioned and disbursed by a Lending Partner, You shall repay the loan strictly as per the loan agreement, repayment schedule and mandate terms accepted by You. Non-payment, delayed payment, failed mandate, insufficient balance, misuse of loan funds, false information or breach of lender conditions may constitute default.

In case of default, the Lending Partner and/or its authorized recovery agents, including OFAPL where appointed, may initiate reminder, collection and recovery actions in accordance with applicable law, RBI guidelines, fair practices code and lender policy. Details of third parties deputed for recovery, where required, may be communicated to You in accordance with applicable law.

You agree to use any loan proceeds only for the purpose disclosed during the application and permitted by the Lending Partner. Misuse of loan funds, prohibited use, unlawful use, or diversion may result in rejection, recall, cancellation, acceleration of repayment, reporting, recovery action and legal proceedings.

By submitting Your mobile number, email address or contact details and proceeding on the Platform, You expressly authorize OFAPL, DhanLY, Lending Partners, service providers and authorized representatives to contact You regarding application processing, eligibility, offers, KYC, verification, onboarding, servicing, repayment reminders, collections, customer support, consent management, transaction updates and related communications through voice calls, SMS, WhatsApp, RCS, IVR, email, push notifications or other electronic channels.

Such communications may be made even if Your number is registered under DND/NDNC, to the extent permitted under applicable law and for servicing, transaction, compliance or consented purposes. You may withdraw or modify Your consent in accordance with the Privacy Policy and applicable law; however, withdrawal may affect availability of Services and may not affect communications required for active loans, legal compliance, repayment, collections or fraud prevention.

• Provide only true, complete and accurate information.
• Do not upload false, forged, tampered or third-party documents.
• Do not interfere with, reverse engineer, copy, scrape, overload, disrupt or misuse the Platform.
• Do not use the Platform for fraudulent loan applications, identity theft, money laundering, illegal activities or prohibited purposes.
• Do not violate intellectual property, privacy, publicity or contractual rights of OFAPL or any third party.

All rights in the DhanLY name, logo, wordmark, domain, content, software, workflows, designs, source code, database structure, analytics, scoring logic, user journey, graphics, text and Platform features are owned by or licensed to OFAPL. No right, title or interest is transferred to You except a limited, revocable, non-exclusive, non-transferable permission to access the Platform for personal lawful use.

You shall not reproduce, duplicate, copy, sell, resell, exploit, frame, mirror, modify, distribute, publish, reverse engineer or commercially use the Platform or its content without prior written approval of OFAPL.

The Platform may contain links, integrations, redirections, SDKs, APIs or references to Lending Partners, payment providers, KYC providers, bureau providers, analytics tools, communication providers, cloud service providers or other third-party platforms. Your use of such third-party services may be governed by their respective terms and privacy policies.

OFAPL is not responsible for third-party websites, systems, uptime, policies, actions or omissions except to the extent required under applicable law or contractual responsibility.

The Platform, Services, content and information are provided on an as-is and as-available basis. OFAPL does not warrant that the Platform will be uninterrupted, error-free, virus-free, continuously available, or that every application will result in approval or disbursement.

Any calculators, EMI estimates, eligibility outputs, bureau insights, indicative offers, interest illustrations or product information are for convenience and may differ from final lender-approved terms. You should exercise independent judgment and read all lender documents carefully.

To the maximum extent permitted by law, OFAPL, its directors, officers, employees, agents, contractors, affiliates and partners shall not be liable for indirect, incidental, special, consequential, punitive or exemplary damages, loss of profit, loss of data, loss of goodwill, business interruption, rejection of loan, delay in disbursement, third-party failure, technical failure, force majeure or lender decision.

Where liability cannot be excluded under law, OFAPL's aggregate liability shall be limited to the amount of fees, if any, paid directly by You to OFAPL for the specific Service giving rise to the claim.

You agree to indemnify, defend and hold harmless OFAPL, DhanLY, its directors, officers, employees, agents, contractors, affiliates, technology partners and Lending Partners from claims, losses, damages, penalties, costs and expenses arising out of Your breach of these Terms, misuse of Platform, false information, fraud, unlawful conduct, infringement of third-party rights, violation of law, or breach of any representation made by You.

OFAPL may suspend, restrict or terminate Your access to the Platform with or without notice where it reasonably believes that You have violated these Terms, provided false information, engaged in fraud, created risk for the Platform or Lending Partners, or where required by law, regulator, court order or internal policy.

Termination of access shall not affect obligations already incurred, including repayment obligations, outstanding dues, consent records, audit logs, legal obligations, indemnities, dispute resolution, limitation of liability and other provisions intended to survive.

Users may raise complaints, feedback or consent withdrawal requests through the following channels. OFAPL will endeavor to resolve concerns promptly and in accordance with applicable law.

For bureau-related concerns, Users may also directly contact the relevant credit information company, including CRIF Highmark or Experian, as applicable.

OFAPL shall not be liable for failure or delay caused by events beyond its reasonable control, including acts of God, natural disasters, pandemic, war, civil unrest, regulatory restrictions, cyber incidents, telecom failure, cloud outage, payment system downtime, third-party API failure, lender system outage, strikes or government action.

These Terms, the Privacy Policy and Your use of the Platform shall be governed by the laws of India. Subject to applicable law, courts at Gurugram, India shall have exclusive jurisdiction over disputes arising from or relating to these Terms or the Platform.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force. Failure to enforce any right shall not constitute waiver. OFAPL may assign, transfer or novate its rights and obligations to any successor, affiliate, acquirer or permitted entity, subject to applicable law. You may not assign Your rights without prior written approval.