Terms of Service

Last Updated: January 21, 2026

1. Acceptance of Terms

By accessing or using SigmaDSA's platform and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

2. Description of Service

SigmaDSA provides a cloud-based loan management platform designed for Direct Selling Agents (DSAs) and financial intermediaries. Our Services include:

  • Lead and customer relationship management
  • Document management and storage
  • Credit analysis and verification tools
  • Loan application tracking
  • Integration with banks and financial institutions
  • Reporting and analytics

3. User Accounts and Registration

To use our Services, you must:

  • Create an account with accurate and complete information
  • Be at least 18 years of age
  • Have the legal authority to enter into this agreement
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized access

You are responsible for all activities under your account.

4. Acceptable Use

You agree to use our Services only for lawful purposes. You must not:

  • Violate any applicable laws or regulations
  • Infringe on intellectual property rights
  • Upload malicious code or viruses
  • Attempt to gain unauthorized access to systems
  • Interfere with or disrupt the Services
  • Use automated systems to access the platform without permission
  • Misrepresent your identity or affiliation
  • Share your account with unauthorized users

5. Subscription and Payment

Access to certain features requires a paid subscription. By subscribing, you agree to:

  • Pay all fees according to the selected plan
  • Provide accurate billing information
  • Allow automatic renewal unless cancelled
  • Pay applicable taxes

Subscription fees are non-refundable except as required by law or our refund policy.

6. Data and Privacy

Your use of the Services is subject to our Privacy Policy. You acknowledge that:

  • We collect and process data as described in our Privacy Policy
  • You own your business data uploaded to the platform
  • We may use aggregated, anonymized data for analytics
  • You are responsible for obtaining necessary consents from your customers

7. Intellectual Property

All content, features, and functionality of the Services are owned by SigmaDSA and protected by copyright, trademark, and other intellectual property laws. You may not:

  • Copy, modify, or distribute our content without permission
  • Reverse engineer or attempt to extract source code
  • Remove or alter proprietary notices
  • Use our trademarks without authorization

8. Third-Party Services

Our platform may integrate with third-party services (banks, credit bureaus, payment processors). We are not responsible for the availability, accuracy, or practices of these third parties.

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT GUARANTEE:

  • Uninterrupted or error-free service
  • Accuracy or reliability of information
  • Security of data transmission
  • Loan approval outcomes

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SIGMADSA SHALL NOT BE LIABLE FOR:

  • Indirect, incidental, or consequential damages
  • Loss of profits, revenue, or business opportunities
  • Data loss or corruption
  • Third-party actions or decisions

Our total liability shall not exceed the amount paid by you in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless SigmaDSA from any claims, damages, or expenses arising from:

  • Your use of the Services
  • Violation of these Terms
  • Infringement of third-party rights
  • Your business practices or customer interactions

12. Termination

We may suspend or terminate your access to the Services if you:

  • Violate these Terms
  • Fail to pay subscription fees
  • Engage in fraudulent activity
  • Pose a security risk

You may terminate your account at any time through your account settings. Upon termination, you will lose access to your data after a grace period.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of significant changes. Continued use of the Services after changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms are governed by the laws of India. Any disputes shall be resolved in the courts of [Your City], India.

15. Contact Information

For questions about these Terms, contact us: