Partner Terms & Distribution Framework

1. Authorized Technology & Distribution Model

AU Golden Consultancy Solutions Private Limited (“AU Golden”) operates as a digital technology, referral, and lead generation intermediary connecting retail borrowers, corporate entities, and investors with registered commercial banks, Small Finance Banks (SFBs), Non-Banking Financial Companies (NBFCs), SEBI-registered brokers, and IRDAI-registered insurance providers (“Partners”).

AU Golden is not a lender, banking institution, or credit bureau. AU Golden does not hold deposit accounts, disburse loans, issue credit lines, or underwrite risks directly. All decisions regarding product sanctions, underwriting, interest rates, and loan disbursals rest exclusively with the respective Partner.

2. Zero Upfront Fee Policy

AU Golden strictly adheres to a zero customer-fee model:

• No upfront consultation fee or file-processing fee is ever charged to applicants by AU Golden.
• AU Golden personnel are strictly prohibited from demanding cash payments, advance commission, or transfer to personal accounts.
• Any official processing fee charged by partner banks is deducted transparently from sanctioned loan amounts or billed directly by the lending bank.

3. Data Privacy & Consent Architecture

Customer data submitted through AU Golden is captured only with clear user consent. Such data is utilized solely for assessing eligibility and forwarding applications to verified Partners for product fulfilment. We do not sell or lease consumer data to third-party telemarketers or unauthorized entities.

4. Partner Code of Conduct

All institutional Partners and direct selling agents (DSAs) working within the AU Golden distribution network must adhere to the Fair Practices Code (FPC) established by the Reserve Bank of India, ensuring respectful customer engagement, transparent interest rate disclosures, and ethical debt collection practices.

5. Institutional Inquiries

Financial institutions, banks, fintech lenders, and corporate partners interested in listing their financial products on AU Golden can reach our institutional desk: