Dear Clients: The Client Comes First — Always | Dear Partners: Your Client Remains Your Client.
 

Delhi Wealth Group, through its principal entity D Wealth Services Private Limited, operates as Industrial and Corporate Finance Consultants, engineering structured debt solutions for the CapEx and OpEx requirements of MSMEs and mid-corporates, routed exclusively through formal banking channels. In the ordinary course of its practice, the Group receives client references from independent professionals — including Direct Selling Agents (DSAs), loan brokers, Chartered Accountants, company secretaries, cost accountants, business consultants, and other intermediaries (collectively, “Referral Partners”).

This Zero Dispute Policy (the “Policy”) sets out the principles, boundaries, and conduct standards that govern every referral relationship and every client engagement arising from it. It rests on two promises that the Group treats as inviolable: first, that the Client is the first priority in every engagement; and second, that a Referral Partner’s client remains the Referral Partner’s client. The Policy is designed so that dealings remain clear, transparent, ethical, and legally compliant, preventing disputes by design rather than resolving them after the fact.

“Responsible funding builds sustainable businesses.   Responsible conduct builds lasting relationships. On both, we do not   compromise.”

This Policy exists to achieve the following objectives:

• Client primacy: to guarantee that the Client’s interest remains paramount at every stage of an engagement, from introduction to sanction and disbursement.

• Partner protection: to assure every Referral Partner that the client relationship they introduce is protected, respected, and never taken away from them.

• Prevention over cure: to eliminate the root causes of disputes — ambiguity, misrepresentation, and misaligned expectations — before they can arise.

• Transparency: to disclose the scope of work, the professional-fee model, and the respective roles of the Group, the Referral Partner, and the lending institution openly.

• Ethical and legal conduct: to hold every engagement to the highest standards of integrity and to full compliance with applicable law.

• Structured resolution: to give staff, Clients, and Referral Partners a clear, fair path for resolving any concern that does arise.

This Policy applies to all Referral Partners who introduce or refer any business, client, or funding requirement to Delhi Wealth Group or any of its constituent entities; to every Client so introduced; and to every employee, associate, and authorised representative of the Group. It applies across the Group’s advisory spectrum, including project finance, working capital, machinery and equipment finance, debt syndication, and MSME and mid-corporate finance advisory.

Acceptance of a referral, continued engagement, or receipt of any communication under a referral arrangement constitutes acknowledgement of, and agreement to, the terms of this Policy. Where a separate written Referral Understanding is executed, this Policy is an integral part of it, and in the event of any inconsistency, the clause more protective of the Client’s interest and of the Referral Partner’s client ownership shall prevail.

The defining principle of this Policy is that the Client is the primary and central party in every engagement. A Referral Partner introduces the relationship; the Client remains the reason the relationship exists. Accordingly:

• The Client’s financial interest, confidentiality, and long-term sustainability take precedence over any referral or commercial consideration.

• No advice, structuring recommendation, or lender selection will ever be shaped to favour any party’s commercial interest at the Client’s expense.

• The Client retains full freedom to accept, decline, or discontinue any proposal at any stage, without pressure or penalty.

D Wealth Services Private Limited operates purely as   Independent Industrial and Corporate Finance Consultants, working exclusively   in the client’s interest on a transparent professional-fee model.

This charter is the heart of the Group’s promise to its Referral Partners. It removes the single biggest fear a Referral Partner has when introducing a client to a consultant — the fear of losing that client. Delhi Wealth Group states without ambiguity: the client you introduce is, and remains, your client.

• Client belongs to the Partner: a Client introduced by a Referral Partner is recorded against that Partner and remains attributed to that Partner for the life of the relationship.

• No poaching: the Group will not solicit, divert, or take over the Referral Partner’s client relationship for its own account or for that of any other partner.

• First point of contact: wherever the Client is comfortable, the Referral Partner may remain a point of contact and continue to be kept in the loop, subject to the Client’s consent and confidentiality.

• No independent solicitation: Delhi Wealth Group will not directly approach or market other services to a referred Client behind the Referral Partner’s back, or attempt to bypass the Partner.

• Contact limited to the mandate: the Group’s direct interaction with the Client is confined to executing the referred engagement — collecting information, structuring the proposal, and coordinating with the bank.

• No side dealing: staff will not privately offer the Client a way to “remove” the Partner or deal directly to save a fee. Any such attempt is a serious breach of this Policy.

• Repeat counts as the Partner’s business: if the same Client returns for a renewal, enhancement, top-up, new facility, or any fresh requirement, that business continues to be credited to the introducing Referral Partner.

• No re-attribution over time: the passage of time, or the Group’s direct servicing of the mandate, does not convert the Client into the Group’s own client or reset the attribution.

• Onward referrals: where a referred Client refers a new party to the Group, the parties will deal with such onward referrals fairly and, where a written understanding exists, in accordance with it.

Simple promise: Your client stays   your client — first deal, repeat deal, or renewal. Delhi Wealth Group   facilitates the funding; it does not take your relationship.

Nothing in this charter overrides the Client’s own freedom: a Client is always free to choose whom they deal with. This charter binds the Group’s conduct — it commits the Group not to engineer, encourage, or exploit any separation between a Referral Partner and their Client.

Delhi Wealth Group derives its revenue solely from transparent, pre-disclosed professional-fee engagements with its Clients. The Group does not accept bank commissions, referral kickbacks, hidden payouts, or loan-selling incentives that could compromise advisory independence. In referral relationships:

• Open disclosure: the basis of the Group’s professional fee is disclosed to the Client in writing before the engagement proceeds.

• No double charging: the Client is never charged twice for the same service, and never asked to bear a Referral Partner’s fee disguised as the Group’s fee.

• Independent arrangements: any fee-sharing or referral-fee understanding between the Group and a Referral Partner is a separate, documented matter and is never funded by inflating the Client’s professional fee.

• No success-only fee traps: fee structures are open and pre-disclosed; the Group does not operate hidden success-only arrangements that could distort advice.

To prevent disputes rooted in misrepresentation, the roles of each party must be described accurately at all times.

Delhi Wealth Group, through D Wealth Services Private Limited, must always be represented as Industrial and Corporate Finance Consultants that facilitate, advise on, and structure funding proposals and place them with appropriate banking institutions on a best-efforts basis. The Group must never be described as a direct lender, an NBFC, a fintech lender, a loan aggregator, or a mere sales channel.

• That funding, sanction, or disbursement is guaranteed, assured, confirmed, or committed.

• That the Group will “sanction” or “disburse” funds, or offers “100% approval” or a “lowest rate.”

• That the Group acts as the lender, controls the bank’s credit decision, or assumes any repayment liability.

• That funding can be arranged through NBFCs, private equity, venture capital, angel investors, crowdfunding, peer-to-peer platforms, or any informal or unregulated source.

• Any timeline, interest rate, or commercial term as a binding promise on the Group’s or the lender’s behalf.

Standard disclosure to be observed at all times: Sanction is the sole prerogative of   the lending bank, subject to its independent credit appraisal and internal   policy.

All engagements are routed exclusively through the regulated banking ecosystem. Every representation must be confined to the following permitted channels:

• Scheduled Commercial Banks;

• Public Sector (PSU) Banks;

• Select Private Sector Banks;

• Select regulated Housing Finance Companies (for retail mortgage facilitation only, where applicable).

Under no circumstances may any party represent that funding will be arranged through Non-Banking Financial Companies (NBFCs), venture capital, private equity, angel investors, crowdfunding platforms, peer-to-peer lenders, or any informal or unregulated source.

Every Referral Partner is expected to uphold the following standards of conduct:

1. Honesty in introduction: introduce only genuine Clients with authentic requirements and share accurate preliminary information.

2. No misrepresentation: make no promise, guarantee, or claim regarding sanction, disbursement, timelines, or rates on the Group’s behalf.

3. Respect for Client autonomy: apply no pressure, coercion, or inducement, and respect the Client’s right to decline at any stage.

4. Confidentiality: safeguard all Client information and share it only for the legitimate purpose of the referred engagement.

5. No unauthorised collection: never collect fees, deposits, or documents in the Group’s name without prior written authorisation.

6. Legal compliance: comply with all applicable laws and hold any registrations required for the Partner’s own activity.

7. No conflicting representation: disclose any material conflict of interest and do not act in a manner adverse to the Client’s interest.

In turn, Delhi Wealth Group commits, in every engagement, to:

• Place the Client’s interest first and provide diagnostic-first, independent advice tailored to the Client’s business model, cash-flow cycle, and debt-servicing capacity.

• Protect the Referral Partner’s client ownership in accordance with Section 5 and refrain from any direct solicitation.

• Maintain full transparency with both the Client and the Referral Partner regarding scope, process, and the professional-fee model.

• Keep the Referral Partner reasonably informed of the status of a referred engagement, to the extent permitted by Client confidentiality.

• Pursue sanction on a best-efforts basis through appropriate banking institutions, while making clear that the sanction decision rests solely with the lender.

The Group’s aim is a zero-dispute environment achieved primarily through prevention. The following mechanisms are built into every engagement:

• Clarity at the outset: roles, scope, the fee model, and client ownership are documented and shared before work begins.

• Written trail: material understandings and status updates are recorded in writing to prevent later ambiguity.

• Single source of truth: Clients receive fee and scope information directly from the Group, not solely through intermediaries.

• Early flagging: any misalignment of expectations is raised and resolved at the earliest opportunity, before it escalates.

• No ambiguous promises: prohibited language and guarantees are eliminated from all communication.

Even with prevention, a Client may occasionally raise a concern. This section equips staff to handle every common angle calmly, fairly, and in a way that protects the Client, the Referral Partner, and the Group’s reputation. The governing rule is simple: listen first, never argue, never admit a guarantee that was never given, document everything, and escalate early.

1. Listen & acknowledge: let the Client speak fully; acknowledge the concern without becoming defensive or dismissive.

2. Assess factually: check the written record — scope, fee disclosure, communications — before responding, and never guess.

3. Resolve or route: offer the appropriate solution within policy; if it is beyond the staff member’s authority, route it to senior management the same day.

4. Evidence & close: record the concern, the response, and the outcome in writing, and confirm closure with the Client.

The table below is a ready reference for staff. It states the recommended resolution for each angle; it does not create any guarantee of outcome.

Escalate   to senior management at once; preserve all records; respond only through   authorised, measured, and lawful communication.

• Never argue with, blame, or belittle a Client, or raise your voice.

• Never admit or imply that a guarantee, assured sanction, or fixed timeline was given.

• Never make a fresh promise to end a confrontation; commit only to what policy allows.

• Never disparage the Referral Partner or attempt to separate the Client from the Partner.

• Never alter, hide, or backdate records; never handle the matter off the record.

Every resolution is offered on a best-efforts, good-faith   basis. Sanction is the sole prerogative of the lending bank, subject to its   independent credit appraisal and internal policy.

On the successful completion of any engagement, obtaining the Client’s positive feedback and testimonial is a compulsory closing step. It is not optional for staff to skip. A completed engagement is considered fully closed only once the feedback step has been carried out and recorded. Feedback must always be genuine, voluntary, and given in the Client’s own words — the Group never fabricates, scripts, or pressures testimonials, as that would breach its ethical commitments.

• It confirms the Client’s satisfaction and closes the engagement on a documented, positive note.

• It surfaces any residual concern early, so it can be resolved before it becomes a dispute.

• It builds an honest record of service quality that reflects the Group’s professionalism.

1. Request at closure: once the facility is sanctioned/disbursed and the engagement is complete, the responsible staff member requests the Client’s feedback.

2. Offer easy formats: accept feedback in whatever form the Client prefers — a short written note, a rating, a video, or a Google/online review — with the Client’s consent.

3. Obtain consent: secure the Client’s explicit permission before using any testimonial publicly, and honour any request to remain anonymous.

4. Respect the Referral Partner: where the Client came through a Referral Partner, coordinate the request sensitively so the Partner’s relationship is respected.

5. Record it: log the feedback and consent status against the engagement file; the engagement is closed only after this step.

6. Act on negatives: if feedback is anything less than positive, treat it as a concern under Section 12 and resolve it before final closure.

Testimonials are earned, never manufactured. We ask every   satisfied Client for honest feedback — and we earn it through 100%   professionalism, transparency, and client satisfaction.

Where a difference of understanding arises between the Group and a Referral Partner, it shall be addressed through the following graduated mechanism, always in a manner that protects the Client first:

1. Direct discussion: the parties first attempt resolution through good-faith discussion within a reasonable period.

2. Written reference: failing that, either party sets out the matter in writing to the designated contact at D Wealth Services Private Limited.

3. Senior review: if unresolved, the matter is escalated to the Group’s senior management for a fair determination.

4. Mediation: the parties may, by mutual consent, refer the matter to independent mediation before any other course.

Throughout any such process, the Client’s engagement, confidentiality, and interest — and the Referral Partner’s client ownership under Section 5 — remain fully protected.

Because D Wealth Services Private Limited acts as a Consultant and Facilitator — and not as a principal borrower, co-borrower, guarantor, or lender — the following position governs all engagements and must be reflected in every related communication:

• The Group does not guarantee funding, sanction, or disbursement, and does not represent any transaction outcome as a binding promise.

• The Group does not act as a lender, does not assume repayment liability, and does not act in a fiduciary capacity in respect of banking decisions.

• The Group does not control any lender’s credit decision, and does not handle Client funds, manage escrow, or verify borrower KYC on a lender’s behalf.

• The Group facilitates, advises, structures the proposal, and places it with appropriate banking institutions, pursuing sanction on a best-efforts basis, subject to lender evaluation and banking discretion.

Nothing in any referral arrangement creates a partnership, agency, joint venture, or employment relationship between the Group and a Referral Partner, save as expressly recorded in a separate written agreement.

Any Referral Partner or staff member who acts contrary to this Policy — in particular by making prohibited guarantees, misrepresenting the Group, collecting money or documents without authorisation, soliciting or diverting another Partner’s client, or acting against the Client’s interest — may have the relationship or engagement suspended or terminated with immediate effect, and any affected engagement reviewed to protect the Client and the introducing Partner. The Group reserves all rights and remedies available to it in law, while continuing to prioritise the Client’s protection above all other considerations.

This Policy is issued under the authority of D Wealth Services Private Limited, Delhi Wealth Group, and is reviewed periodically to keep pace with regulatory developments and best practice. Every engagement remains senior-led and personally supervised at the leadership level. In any question of interpretation, the reading that best protects the Client’s interest and the Referral Partner’s client ownership shall prevail.