This Code sets the professional, ethical, customer-service, marketing, privacy and compliance standards expected from every LoanPayBima partner.
By registering, using the Partner Dashboard, submitting customer leads or representing LoanPayBima in any form, the partner agrees to follow this Code of Conduct along with the Partner Agreement, Partner Commission Policy, Privacy Policy and other applicable platform rules.
LoanPayBima is an independent technology, CRM, lead-generation, document-assistance and customer-support platform. It is not an insurance company, insurance broker, bank, NBFC, lender or financial institution.
This Code aims to protect customers, maintain professional standards and preserve trust in the LoanPayBima Partner Program.
Customers must receive accurate, respectful and transparent assistance.
Partners must avoid false claims, unfair practices and misleading promotions.
Partners must maintain honesty and accountability in every interaction.
This Code applies to every approved, pending, active, suspended or former partner wherever obligations continue after termination.
Every partner must behave respectfully, honestly and responsibly.
Customer interest, informed choice and dignity must come before commission or sales pressure.
Explain the service process, required documents, applicable charges and third-party involvement.
Do not force, threaten, mislead or repeatedly disturb customers.
Disclose material limitations, waiting periods, exclusions or uncertainty where applicable.
Treat all customers respectfully without discrimination or exploitation.
Marketing must be accurate, verifiable and not misleading.
Partners must not promise guaranteed policy issuance, loan approval, claim settlement, interest rate, credit limit, cashback or commission.
Customer data or documents may be collected only for a legitimate service request and with the customer's knowledge.
Tell the customer why information or documents are required.
Receive clear customer consent before submitting a lead or sharing information with the platform.
Avoid collecting unrelated or excessive personal information.
If a customer withdraws interest, stop unnecessary contact and inform support where needed.
Partners must protect customer information against unauthorized access, loss, misuse or disclosure.
Partners must never misuse Aadhaar, PAN, bank statements, RC, policy documents, photographs, signatures or customer contact details.
LoanPayBima branding may be used only in an accurate, approved and professional manner.
Do not distort, recolor, alter or combine the logo in a way that damages brand identity.
Partners must identify themselves as LoanPayBima partners, not employees, insurers or lenders.
Use official posters, messages and claims where available.
Do not use provider names, logos or regulatory claims without authority.
All customer communication must be respectful, relevant and compliant.
| Channel | Required Standard | Not Allowed |
|---|---|---|
| Phone Calls | Introduce yourself, explain the purpose and respect the customer's time. | Threatening, repeated harassment or false urgency. |
| WhatsApp / SMS | Send relevant information and provide an opt-out where appropriate. | Bulk spam, misleading links or unauthorized document sharing. |
| Use a clear subject, accurate content and official contact details. | Impersonation, deceptive subject lines or malicious attachments. | |
| Social Media | Use factual posts and clearly disclose partner status. | Fake reviews, fake earnings claims or provider impersonation. |
Partners are responsible for every post, reel, status, video, comment or advertisement published using the LoanPayBima name.
The following activities may lead to immediate suspension, commission withholding or termination.
Partners must disclose circumstances that may affect impartial customer service or platform trust.
Partners must comply with applicable Indian laws, lawful directions and the requirements of authorised third-party providers.
Partners must not conduct any activity that requires a licence, registration or regulatory authorisation unless they personally hold such authorisation and are permitted to use it for the relevant activity.
LoanPayBima may review partner activity to protect customers and the platform.
Action may depend on the seriousness, repetition and impact of the violation.
| Possible Action | Typical Use |
|---|---|
| Guidance or Warning | Minor first-time breach that can be corrected. |
| Mandatory Correction | Removal of misleading content or correction of customer communication. |
| Temporary Restriction | Access or lead submission restricted during review. |
| Commission Hold or Recovery | Suspected or confirmed fraud, cancellation or policy violation. |
| Suspension | Serious or repeated non-compliance. |
| Termination | Fraud, data misuse, impersonation, unlawful conduct or severe misconduct. |
LoanPayBima may take immediate protective action without prior notice where customer safety, fraud, security, legal risk or platform integrity is involved.
Partners and customers should report suspected misuse, fraud, harassment, data abuse or unauthorized fee collection.
Note the date, partner or customer details, issue description and supporting evidence.
Send the complaint through the official email or support number.
Provide reasonable information requested during review.
This matrix clarifies the general role of each party.
| Activity | Partner Responsibility | LoanPayBima Role | Third-Party Provider Role |
|---|---|---|---|
| Customer Introduction | Obtain genuine interest and consent. | Receive and manage the lead. | Not applicable at initial stage. |
| Document Collection | Collect only required, genuine documents securely. | Coordinate and transmit documents where applicable. | Verify documents according to provider process. |
| Insurance / Loan Decision | Do not promise approval or issuance. | Provide assistance and status coordination. | Make underwriting, approval, pricing and issuance decisions. |
| Customer Communication | Provide accurate, respectful information. | Offer support and process updates. | Provide product-specific communication where applicable. |
| Commission | Submit valid leads and follow rules. | Record, verify and process eligible commission. | Confirm successful eligible transaction where required. |
No. Final approval, underwriting, pricing, policy issuance and loan decisions belong to authorised third-party providers.
Only where expressly authorised by LoanPayBima and clearly disclosed to the customer. Unauthorized collections are prohibited.
Only temporarily when genuinely necessary and with appropriate security. Documents should not remain stored longer than required.
The partner may face commission rejection, recovery, suspension or termination.
Yes, only in an approved and accurate manner and without implying that the partner is an insurer, bank, NBFC or authorised employee.
Continued participation in the LoanPayBima Partner Program means acceptance of this Code and any lawful updates published on the website or Partner Dashboard.
Partners are expected to read, understand and comply with this Code before submitting customer leads or using LoanPayBima branding.
For reporting misconduct, requesting clarification or raising a compliance concern, contact LoanPayBima through the details below.