The website www.thesahukar.com (“Website”) and the mobile application namely Sahukar (“App”) are exclusively owned, operated, and maintained by White Stallion Consultants LLP (hereinafter referred to as “WSC” or “Company”), which is a Limited Liability Partnership incorporated under the LLP Act 2008 and registered with the ROC Kolkata having LLPIN: AAJ-7177and having its registered office at Ecospace, Estn 3A0501, Block 3A, 5th Floor, Plot No. IIF/11, Kolkata, West Bengal 700160, India. This Terms and Conditions (“T&C”) laid down hereunder in this User’s Agreement (“Agreement”) shall guide the use, access, and browsing of the Website and the App by any user, and it is requested that You shall peruse and understand the T&C in its entirety before proceeding with the use, registration, and surfing of this Website/App.  Any reference to “User”, “You”, “Your” and all grammatical variants denoting similar connotations shall mean and include, unless expressly repugnant to the context, all visitors and users accessing the Website and App, as the case may be, and satisfying the Eligibility Criteria as laid down below.

  • By accessing, browsing, downloading, using, or registering on the Sahukar Website or App, You agree to be bound by the T&C as may be amended from time to time. The Last date of amendment has been specified at the outset, and it is advisable that you stay informed of any changes/amendments as may be brought to the T&C from time to time by the Company.
  • The Company reserves the right to amend, update or modify any of the covenants, terms, conditions laid down under this Agreement at any time. Your access and use of the Website and/or App following any such amendment/modification shall be construed as your acceptance and agreement with all and any such covenants, terms, and conditions, including any such amendment/modification, and to these T&C.
  • The Company, White Stallion Consultants LLP, through the Website and App, offers a technology platform for financial services including, without limitation, connecting potential loan seekers to loan providers, and creation and provision of data analytics based on (i) the contents of Short Messaging Service (“SMS”) messages on Your mobile phone, (ii) Your mobile phone contact list, (iii) Your call history, (iv) Your location as provided by your mobile phone, (v) Your usage of other mobile applications, (vi) Your download, installation, and usage (as applicable) of the Website, the App, (vii) the contents of Your Emails on your phone, (viii) Your browsing activities on your phone, and (ix) any such other sources from your phone, as we may deem necessary (hereinafter collectively referred to as the “Services”).
  • WSC enables the Users (“Borrowers”) to avail loans from certain Non-Banking Financial Companies (“Lenders”) through the App and Website.
  • By using, accessing, or registering on the Website and App, You hereby understand and acknowledge that WSC is neither a Borrower nor a Lender. WSC is merely a service provider and facilitates the transaction of providing loans by connecting the Borrowers with the Lenders.
  • The Company merely provides a marketplace platform for the Borrower and the Lender to transact on. The Company does not provide loans or deposits through the Services, nor does it provide financial advisory services in any manner. By continuing to use the Website and/or the App, or the Services in any manner, you acknowledge and agree that WSC has not held itself out as a loan provider or a financial institution in any manner.
  • You acknowledge and agree that the relation between you and a Lender shall be subject to a separate contract entered into between You and such Lender. WSC shall never be a party to such contract, and you hereby discharge WSC of any and all liability, claims, damages, or actions of any manner whatsoever that may arise out of any transactions that you may enter into with a Lender.
  • You further acknowledge and understand that your mere registration on the Website or App shall not in any way guarantee the provision of any loan to you. The Company will make best efforts to connect you with a Lender, however, the sanction of loan is not warranted by the Company in any way.
  • The Services provided by the Company through its Website and App can be availed by a natural person who:
  • Is at least 18 years of age;
  • Is competent to contract according to the laws in force in India;
  • Has not previously been debarred from accessing or using the Website and/or App by WSC.
  • By accepting the T&C or by otherwise using, accessing, or registering on the Website or App, you represent and warrant that you satisfy the eligibility criteria as provided hereinabove. You further represent that you have the right, capacity, and authority to enter into this Agreement and abide by and be bound by all the terms, conditions, covenants contained herein.
  • WSC reserves the right to terminate Your membership and / or refuse to provide you with access to the Website and/or App if it is brought to WSC’s notice or if it is discovered that you fail to comply with the eligibility criteria as provided above, and in such case You shall not be entitled to enforce your registration/membership in any way. WSC shall have the right to not process a transaction through the Website/App, if WSC, in its sole discretion, determines that such transaction undertaken by a User is not authorized by such User or that the transaction is not genuine or suspicious.
  • Moreover, in case You impersonate or attempt to impersonate any person or entity, or falsely state or otherwise misrepresent Your identity, age or affiliation with any person or entity, or you fail to comply with or in any way violate any of the T&Cs, WSC reserves the right to suspend or permanently prevent You from availing its Services or using/accessing the Website and/or App.
  • This T&C shall be read and interpreted with the Privacy Policy of Sahukar as may be found on the Sahukar Website and App;
  • WSC may collect general User data including name, email ID, phone number and other contact details, bank accounts details, access to the User’s SMS inbox records, contact list, and contact’s phone numbers, call history, email records, phone’s internet browsing history, location, usage of other mobile applications, and the User’s debit card, credit card, and bank details, and any other information as may be required, to provide and facilitate the Services. You hereby authorize and permit WSC for using your aforesaid details for the purposes of providing its services, as well as to share such relevant details with any of its partner or affiliate Lenders for facilitating the advancement of Loans to You as per your requirement and also for promotional or marketing purposes.
  • The collection, use, and storing of any such information including Users’ Personal Information and Sensitive Personal Information is done by the Company strictly in accordance with the IT Rules 2011 and pursuant to the Privacy Policy of the Company.
  • By using and accessing the Website or App and/or by registering for or availing the Services of the Company, You understand that any and all data or information collected by the Company is necessary for providing its Services, and as such, You voluntarily and expressly authorize the Company to collect all such data/information or provide the company with such data/information voluntarily in order that the Company may store it and use it for the purposes of providing its Services and for such purposes as have been described in the Privacy Policy.
  • You hereby authorise WSC to use any information collected from You, including your mobile phone’s contact list and Your contacts’ phone numbers,for the purpose ofintimating to such contacts of the status of any loans you may have taken through the Website/App byavailing the Company’s Services, the repayment status of such loans, and any other related information.
  • You hereby agree to indemnify, defend, and hold harmless WSC, its directors, employees, agents, affiliates, and partners, from and against any and all claims or actions brought against them by any person listed on Your contact list whom WSC may contact in the manner described above.
  • You understand and confirm that WSC may send alerts to the mobile phone number provided by You while registering with the Website and/or App for availing the Service, or on any updated mobile number subsequently provided by You on the Website/App, or via e-mail or push notifications.
  • WSC will make best efforts to provide alerts regarding your transactions on the Website/App, via SMS/e-mail/push notifications, provided that Your mobile or Email-ID are functional and not turned Off. It shall be deemed that You have received the information sent from WSC as an alert on the mobile phone number or e-mail id provided by You during the course of, or in relation to, using the Website/App or availing the Services. WSC shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. You cannot hold WSC liable for non-availability of the SMS/email alert/push notifications service in any manner whatsoever.
  • You further authorize WSC as well as its affiliate-Lenders to contact You and communicate with You for any of its Services, Offer, or Promotions. In order to send such alerts, communications, offers, etc. to you, WSC may engageany third party service providers. The user authorizesWSC, including its affiliates and the Lenders, to override or bypass any Do-Not-Disturb Registry / National Customer Preference Register (NCPR) or similar restrictive settings of your telecom service providers to reach out to the User over calls, SMS, emails and any other mode of communication.
  • The User agrees and undertakes to indemnify and hold harmless WSC, such affiliate-Lenders, and the SMS/e-mail service provider including its/their officials from any damages, claims, actions,charges, proceedings, demands, losses, costs, and expenses, including legal charges and attorney’s fees, which WSC or such SMS/e-mail service provider may at any time incur, sustain, suffer or be subjected to as a result of, or arising out of, any misuse of any such SMS/e-mail by You or any false, misleading, improper or fraudulent information furnished by You, orany incorrect number or a number that belongs to an unrelated third party provided by You.
  • You understand that the UserAccounts on the Website/App, bearing a unique identification, are created and owned by WSC. Any promotional discounts, offers and reward points accumulated may be revoked without prior notice in the event of any suspicious activity in the User Account, or any mala-fide intent of the User, or where the network system of the Company is unable to establish unique identity of the User against a valid mobile number or e-mail ID. WSC reserves the full discretion to suspend a User’s account in the above event and does not have the liability to share any account information whatsoever. The User shall not be entitled to hold liable or claim any damages whatsoever from WSC in such un-informed suspension or revocation.
  • On accessing the Website or App, the User shall have the option to create his personal account (“Account”) by entering all requisite personal details of the User and a Security Password. The User shall be solely liable and responsible for maintaining the confidentiality of such password and account and shall be fully responsible for all activities/transactions conducted from/through such account. The Useragrees to immediately notify the Company of any unauthorized use of his password or Account or any other breach of security. The Company shall in no way be liable for any loss, damage, claim, or any other liability because of any incident occurred as a consequence of the User’s non-compliance with this Clause and failure to maintain confidentiality and responsibility of your Account and Password.
  • You understand and acknowledge that merely by logging out of the Sahukar Website or App or by deleting/un-installing the App from your phone, you do not cease to have an Account with the Company. In case you are willing to remove your Account permanently, you shall follow the procedures available on the Website / App for the said purpose. If, at any time after removing your Account in accordance with the given procedure, You are willing to retract any of your information provided to WSC, you can write to the Company at the email ID provided below, and WSC shall thereupon remove such information from its records.
  • You further confirm and acknowledge that in case of any removal of Your Account from Sahukar, Your obligations and liabilities incurred in reference to any transaction carried on through the Website / App with any third party, including any obligations and liabilities towards a Lender under a Loan Agreement, shall NOT stand dissolved. In effect, You shall continue to be liable to such Parties until and unless your obligations under any such Agreements are fulfilled.
  • By using or accessing the Website or App, You agree NOT to engage in the following activities:
  • Assigning or otherwise transferring Your Account to any other person or entity;
  • Using or accessing the Website/App or the Company’s Services for any purpose other than Your personal purposes;
  • Using or accessing the Website/App or the Company’s Services for any unlawful, illegal, or immoral purposes, or with the intention to defraud;
  • Committing any act while using/accessing the Website/App, which is in violation of any terms, conditions, covenants, or obligations under this T&C;
  • Impersonate any person or entity, or falsely claim or otherwise misrepresent Your affiliation with any person or entity;
  • Interfere or attempt to interfere with the proper operation of the Company’s Services, hack or illegally access any user data from the Website/App, or make any material change in the Website/ App without the prior permission of the Company;
  • Access the Accounts of any other person without prior consent, forge any Digital Signature, or perform any other like activities which are fraudulent, deceitful, and prohibited under the laws in force in India;
  • Copy, adopt, or use without authorization, any content or material available on the Website/App, or infringe, in any way, the Intellectual Property Rights belonging to the Company;
  • Interfere with the Company’s provision of its Services with any User, in any manner;
  • Provide false, misleading, or inaccurate information, or availing, or attempting to avail the Services of the Company by providing such false, misleading, or inaccurate information;
  • In addition to all these prohibitions, You agree to refrain from committing any act which may be against the moral interests of Company, or which may prejudice the Company in any way.
  • The Company may require you, in accordance with the Privacy policy, to provide certain personal details, including Government-issued identity proofs for verifying your Identity and proceeding with the provision of its Service to You. You understand that such information and proofs are absolutely essential for providing the Services, and those shall not in any way be misused by the Company. You understand that such information are required for creating and maintaining your Account with the Company, and You agree to furnish such requisite information when called for.

For availing the loan services, the User shall create an User Account by registering on the Website or App. After such valid registration, the User shall fill-up a Loan Application Form as will be found in the Website/App for applying for the loan. WSC shall thereupon forward the User’s loan application with its partner NBFCs for their sanction. Any and all transaction between the User (“Borrower”) and such NBFC (“Lender”) shall be guided by a Loan Agreement as may be accepted and entered into between the Borrower and such Lender. Any transaction other than such loan transaction as mentioned above, shall be between the User and WSC, and shall be guided by the provisions of this T&C as laid down hereunder:

  • All transactions undertaken by the Company on Your behalf shall be strictly based on the information furnished by You to the Company. You agree and understand that any failure in carrying forward of any such transaction due to any incorrect information given by You shall not make the Company liable in any manner.
  • You understand and agree that in order to avail loan facilities through the Website or App, or any other Services of the Company, You must adhere to and follow the relevant Agreements or other Financial Documents as may be provided to You for your execution. In case You are not agreeable with any provision of any such Agreement/Document, You have the option of either refraining from proceeding with the transaction or getting in touch with us with Your suggestions. While availing loan facilities, You understand that You shall be bound to repay the loaned amount within the time specified in the Loan Agreement to be executed by You, along with Interest, and in accordance with any other terms and conditions as may be specified in such Loan Agreement;
  • You understand and agree that any delay or failure in payment/re-payment by You in relation to any transaction carried out by You through the Sahukar Website/App relating to any of the Company’s Services shall result in injury to the reputation of the Company as well as loss of its business, apart from monetary and other losses. Further, You understand and agree that any such delay or failure in payment on Your part shall result in irreparable injury/loss to the Company, and as such, the Company shall be entitled to take any legal actions as may be appropriate against you, including, without limitation, recourse to courts of law under the applicable laws, communicating directly with persons whose contact details the Company may have obtained from your phone address book/Contact List in order to intimate them of your failure to make payment, or delay in payment, as well as any other action that the Company may, in its sole discretion, deem appropriate.
  • You further agree and understand that in the event you delay or fail to make such payment/re-payment as provided above in relation to any transaction conducted by you through the Sahukar Website/App, the Company shall be entitled to share Your personal details retained by the Company, subject to its Privacy Policy, with any third party including Government agencies and judicial/quasi-judicial bodies, via any mode or medial, online or offline, for necessary remedial steps. For this purpose, the Company reserves the right to share such information, subject to its Privacy policy, over any platform including, without limitation, social networking websites, notice boards, newspapers, media and broadcasting websites, public websites, etc., and also with any third party including, but not limited to, debt-recovery agencies, banks, regulators, NBFCs, credit rating agencies, and any other person as the Company may determine and deem necessary for the recovery of such unpaid amount. In such event, the Company shall not be liable for any such publication or sharing of your information, and You understand that you cannot claim any damages from the Company for that.
  • The Company may provide You with certain Reward Points/Loyalty Points (“Reward Points”), based on your activities on the Website or App. Such Reward Points may have various utilities, including allowing the Users to redeem those for Cash. The benefits and application of the Reward Points shall be determined solely by the Company from time to time in accordance with any Reward Policy as may be adapted by the Company. The Company shall also have the rights to change or amend any such policies from time to time.
  • In the event the User has availed any of the Services of the Company, including Loan facilities, by entering into a specific Agreement with any third party, the User shall continue to be bound by such Agreement and mere deleting or removing the User’s Account from the Website or App shall not release the User of any liability or obligation which he may have incurred under such Agreement.
  • The User understands and acknowledged that any and all contents and information available on the Website and/or the App, except those specifically relating to the Services of the Company, are not warranted or represented to be correct or accurate, and the User is advised to verify any such information from proper sources before acting upon any of them.
  • The Company disclaims any liability relating to any loss, damage, or injury (if any) suffered by the User by doing any act on the basis of any such information available on the Website/App. The Company shall not be liable for any such act undertaken by the User on the basis of any such information, nor shall it be liable for any loss or injury suffered by the User in pursuance thereof.
  • The User understands and confirms that the Company does not make any warranty or representation, either expressly or impliedly, except those specifically provided herein, including any representation or warranties relating to the services, technologies, or contents provided by it on or in relation to the Website or App, to the fullest extent permissible under applicable laws.
  • The Company does not warrant or represent the quality, continuity, accuracy, or certainty of any third party which the Company may engage for providing any of its Services to the User;
  • Without prejudice to the generality of this Clause 8 (No Warranties) and the above Clause 7 (Disclaimer), the Company specifically deny giving any warranty and representation relating to the following:
  • Any information, advise, suggestions, or promise received by the User from the Company or any of its representative or found on the Website or App, whether orally or in writing, expect as provided herein, are true, accurate, and not mis-leading;
  • That the services provided by the Company, through its App and Website, shall be always un-interrupted, glitch-free, or that any defect shall always be rectified;
  • That the access to, use of, and download of the App or Website shall be free from any Virus or Malware or other malicious applications;
  • That the Services will be in consonance with the User’s requirements and expectations;
  • The quality of the Service provided by the Company;
  • The User understands that the Website, the App, the Services, any information or data relating to the Company, any third-party software or services used along with the Company’s services, are provided in an “as is” and “as available” basis, without any warranties or representations of any kind, either express or implied.
  • Your use of the Website/App shall be construed as Your acceptance of any risk that may be involved with it, and it shall deem to mean that You have understood that You shall use or access the Website/App entirely at Your discretion and risk and shall in no way hold the Company liable for any loss/damage/prejudice caused to you because of any such Use.
  • You understand and confirm that You will be using, accessing, downloading, or otherwise obtaining information, materials, or data through the Website or App or from any connected/linked websites, platform, application, completely at Your own discretion and risk and that You will be solely responsible for any damage to Your person or property (including Your computer system and mobile device or any other equipment) or loss of data that results from the download or use of such material or data.
  • The User understands and acknowledges that the Company shall, in no event, be liable to the User for any direct, indirect, special, incidental, consequential, exemplary, or punitive damages, nor shall it be liable to the User for any loss of profit, loss of revenue, injury to reputation, injury to property or person, or any other monetary ot other loss, arising out of or incidental to this T&C, the Services of the Company, the Website or App, or the User’s use or inability to use the Website/App or Services, even if the Company or its representative has been advised of the possibility of such damages.
  • The User agrees that the Company shall, in no event, be held liable for any losses, claims, damages, liabilities, and/or causes of action arising out of or relating to this T&C, the Services of the Company, the Website or App, or the User’s use or inability to use the Website/App or Services, or any other interaction/communication/transaction with the Company whatsoever, whether arising out of any contract or under any applicable laws or in equity or in tort including negligence, warranty or otherwise, for any amount which is beyond or in excess of the actual amount paid by the User, if any, to the Company specifically for any purpose leading to the cause of action, or beyond or in excess of the direct and actual loss suffered by the user, or beyond or in excess of Rs. 1,000/- (One Thousand Rupees only), whichever is the lowest.
  • For the purposes of this Clause 9, the term “Company” shall mean and include its directors, employees, officials, representatives, and affiliates;
  • This Clause 9 shall survive the termination of this Agreement.
  • The User agrees to wholly indemnify, defend and hold harmless the Company and its affiliates and subsidiaries, and its and their Directors, Members, Employees, Agents, Officers and Assigns, from and against any “Losses” arising out of and relating to any of the following claims or causes of actions by any Third Party:
  • that the User has allegedly violated any law or regulation, or has infringed or violated the rights, including without limitation the Intellectual property rights, of such third party;
  • that the User has allegedly committed a breach of any obligation, representation or warranty made by the him hereunder, or has misrepresented or furnished false information or has impersonated any other person;
  • that the User has allegedly misused the Website or App.
  • The term “Losses” shall, for the purposes of this Clause 10, mean and denote all claims, suits, actions, losses, loss of profits, damages, costs and interests as well as all related expenses, including litigation cost and attorney’s fees, whether incurred/suffered by the Company due to any default, wrong, misconduct, fraud, negligence, or breach as contemplated in the aforementioned Clause 10.1, either by the Company, or by any of its representative, employee, member, agent, or servant.
  • The User agrees that the failure to pursue, recover or mitigate losses will in no way reduce the amount recoverable from User by the Company or its affiliates and subsidiaries, and its and theirs Directors, Members, Employees, Agents, Officers and Assigns.
  • The terms of this Clause 10 (Indemnification) will survive the termination of this T&C.
  • The Website and App is exclusively owned and maintained by the Company. The User understands and agrees that all the Intellectual Property Rights in relation to the Website and App are owned exclusively by the Company. The use or access of the Website/App or availing of any of the Services of the Company shall, in no way, be construed as a transfer, in any manner, whether permanently or temporarily, of any such Intellectual Property Rights in favour of the User.
  • The expression “Intellectual Property Rights” shall mean all intellectual property rights owned at present or to be owned in future by the Company including but not limited to name, marks, characters, artwork, designs, contents, articles, trade names, trademarks, or Service marks, training material, marketing material that is in tangible or other electronic form or medium, copyright, technical know-how, all system and process specific information, domestic or foreign letter patent, patent, patent application, patent license, inventions, invention disclosures, software or software usage rights, formulae & processes, proprietary data and data bases, software codes; for all other similar items of intellectual property, whether registered or not, including any rights created by use thereof, used or permitted to be used by Company.
  • The User further agrees that he shall not make any unauthorized use of the Intellectual Properties, Marks or Logos, Software, or Mobile Application belonging to the Company;
  • The User agrees not to create, claim, register, or use any Design, Logo, Mark, Name, or any other device or Intellectual Property Rights similar to or closely resembling those of the Company;
  • This T&C Document shall become valid and applicable the moment the User creates an Account on the Website or App, and shall continue to remain valid and applicable as long as the Account is maintained.
  • In case the User fails to comply with, or violates, any of the obligations or liabilities imposed upon him under this Terms and Conditions document, the Company shall be entitled to terminate the User’s access to the Website/App or any part thereof, without any prior notice. Such right may be exercised by the Company in addition to any other right or remedy which may be available to the Company under the applicable laws or in equity.

By using or accessing the Website or App, or by availing the services of the Company, there is no creation of any partnership or agency between the User and the Company. The User shall not represent the Company in any way, and the Company shall not be responsible or liable towards any third person in respect of any act done by the User.


This T&C document, including all matters relating to the validity, construction, performance or enforcement thereof shall be governed by, and construed in accordance with, the laws of the state of West Bengal, India applicable to contracts executed and to be fully performed in such state. The User hereby expressly and irrevocably agree and consent any suit, action or proceeding arising out of or relating to this Agreement/T&C Document shall be instituted exclusively in the courts or tribunals sitting in Kolkata, West Bengal, India, and irrevocably submit generally and unconditionally to the exclusive jurisdiction of any such court in any such suit, action or proceeding.


Neither any failure nor any delay on the part of the Company to exercise or enforce any right, remedy, privilege or power under this Agreement/T&C Document shall operate as a waiver thereof.  Even, no partial or single exercise or enforcement of any right, remedy, privilege, or power by the Company shall preclude it from exercising or enforcing any other or further right, remedy, privilege, or power. No waiver shall be effective unless it is made in writing and is signed by the party asserted to have granted such waiver.


This Terms and Conditions document, along with the Privacy Policy, shall form the entire agreement between the User and the Company, and revokes and supersedes all other previous agreements, if any.


If any provision of this Agreement/Document shall be invalid or unenforceable, either in its entirety or by virtue of its scope or application to given circumstances, such provision shall be deemed modified to the extent necessary to render the same valid, or as not applicable to given circumstances, or to be excised from this Agreement, as the situation may require, and this Agreement shall be construed and enforced as if such provision had been included herein as so modified in scope or application, or had not been included herein, as the case may be, it being the stated intention of the parties that had they known of such invalidity or unenforceability at the time of entering into this Agreement, they would have nevertheless contracted upon the terms contained herein, either excluding such provisions, or including such provisions only to the maximum scope and application permitted by law, as the case may be. If a court finds any provision of this Agreement to be invalid, the remainder of the Agreement will be valid, enforceable and effective.

  • The Company may send any intimation, notice, alert, or other communication to the User by way of e-mail, SMS, push notifications, post, or by any other reasonable means.
  • The User may, in case of any query, suggestions, questions, grievances, or other necessity, contact the Company by writing to the address given below or sending an e-mail at the below-mentioned e-mail ID.
  • Apart from the communications as provided above, any other notice or intimation to the Company shall also be served by the User, either by registered or speed post or by email, addressed as follows:

Address: Ecospace, Estn 3A0501, Block 3A, 5th Floor, Plot No. IIF/11, Kolkata, West Bengal 700160

Email Id: support@thesahukar.com


In case of any grievance of the User with respect to the Website, App, or Services of the Company, or in relation to this Agreement or the Terms and Conditions contained herein, or the Privacy Policy of the Company, the User may lodge a complaint with the Company’s Grievance Redressal Officer in the manner as provided in the Customer Grievance Redressal Policy of the Company as is available on the Website and App.