MCA Portal Login Authorization Policy & Terms

Last Updated: July 16, 2026

This MCA Portal Login Authorization Policy & Terms (hereinafter referred to as the "Authorization Terms") constitutes a legally binding contract between you (hereinafter referred to as the "User" or "You") and CBL Data Science Private Limited (hereinafter referred to as "InstaFinancials", "We", "Us", or "Our"). These Terms govern the delegation, provision, usage, processing, and eradication of corporate/individual Ministry of Corporate Affairs (MCA) V3 portal login credentials provided by You on the InstaFinancials platform.

By entering, submitting, or connecting Your MCA login credentials on any interface provided by InstaFinancials, You explicitly acknowledge that You have read, understood, and agreed to be bound by these Authorization Terms in addition to our standard website Terms of Use and Privacy Policy.

1. Principal-Agent Relationship & Scope of Grant

Pursuant to the provisions of the Indian Contract Act, 1872, You hereby constitute, appoint, and designate InstaFinancials as Your lawful and authorized limited agent to log into the official MCA portal (mca.gov.in) using the specific credentials (including Username, Registered Email ID, Passwords, and Session Tokens) provided by You. This deployment is granted under a strict "Principal-Agent Framework" for the exclusive purposes set forth below.

CRITICAL SAFETY RESTRICTION & WARRANTY: InstaFinancials strictly operates in a 100% READ-ONLY capacity. Under no circumstances shall InstaFinancials utilize Your connected credentials to perform statutory filings (such as AOC-4, MGT-7, PAS-3, etc.), execute corporate modifications, alter master records, pay statutory fees, upload documents, or execute any transactional or active modification on the MCA database. Your credentials are used exclusively for automated compliance monitoring and information retrieval.

2. Permitted Operations (Read-Only Limits)

The operational scope of the automated system acting on Your behalf is strictly bounded to the compilation of public data domain items, consisting of:

Retrieving and verifying Company and LLP Master Data;
Compiling updated Index of Charges and Director/Signatory Details;
Automating the programmatic downloading of MCA Public Documents (such as Certificates of Incorporation, MoA/AoA, and statutory attachments) that You or the platform query.

3. Credential Management Modes & User Configurations

InstaFinancials respects Your operational autonomy and provides three configurable options for how Your credentials are processed. You hold the dynamic right to alter these configurations at any moment through Your account dashboard:

Mode 1: Single-Use Mode (Transient / Non-Storage)

If You choose to execute data refreshes or public document downloads without electing to save Your information, InstaFinancials will deploy Your credentials strictly on-the-fly inside real-time runtime memory. In this mode:

Your Username, Email ID, and Password are never written to our persistent database or disk storage.
The session terminates immediately upon completion of the requested compliance lookup.
Every subsequent request or update will prompt You to manually re-enter Your MCA user credentials, passwords, and pass any multi-factor authentication or Multi-Factor OTP challenges in real-time.

Mode 2: Private Stored Mode (Exclusive Profile Syncing)

If You select this mode, InstaFinancials will persist Your credentials on our secure infrastructure, uniquely linked to Your specific user account profile. The usage boundary conditions are defined as follows:

Your credentials will be deployed *exclusively* to fetch, trace, and update company compliance streams, records, and documents that are part of Your explicitly specified portfolio or user-driven commands.
Your credentials will never be utilized to fulfill public queries or bulk batch processing initiated by other platform users.
You maintain continuous administrative access to edit, refresh, modify, or permanently delete the saved credentials at Your absolute discretion.

Mode 3: Partner Mode (Distributed Read-Only API Contribution Network)

To facilitate crowdsourced data access at scale, You may opt into Partner Mode. By choosing this mode, You explicitly consent to join our distributed user-credential validation framework:

InstaFinancials may deploy Your connected account credentials within standard platform fair-usage limits to fetch generic public Company Master Data and public document sets requested across the ecosystem.
You may configure and link multiple verified MCA login accounts to maximize Your computational distribution bandwidth.
In consideration of Your participation and account mapping, You will be eligible to receive commercial incentives, including passive income credits, premium API credit distributions, or tier rewards as explicitly tracked on Your partner wallet page.
Regardless of platform-wide data distribution, the structural "Read-Only Restriction" detailed in Section 1 remains absolute and unalterable.

4. Absolute Transparency, Audit Trail & Logging

InstaFinancials maintains an un-editable, fully auditable system log for all platform activities. As part of our mutual transparent tracking commitment, You will have permanent access to a **Live Search Log UI** inside Your dashboard. This layout highlights:

The exact timestamp of each login session executed using Your credential token;
The Corporate Identification Number (CIN) or LLPIN queried during that specific automated session;
The nature of the action performed (e.g., Master Data Sync or Public Document Export);
The health status and success rate metrics of Your connected account profile.

5. Data Privacy, Encryption & Right to Immediate Deletion

We treat Your security parameters with the highest corporate urgency under the Digital Personal Data Protection Act (DPDP Act), 2023:

Security Infrastructure: Any credential stored under Mode 2 or Mode 3 undergoes industry-standard asymmetric salting and is fully encrypted at rest using strong AES-256 protocols. Your actual plain-text passwords are never accessible to any human engineer, system administrator, or third-party entity.
Right to Erasure: You hold the absolute right to purge Your records. If You edit or hit 'Delete Account Connection', the target credential and corresponding encryption key are instantly wiped from our primary production environment.
Incident Management SLA: If You observe any unfamiliar session logs, performance changes, or suspicious activities, You are entitled to instantly flag the item or file a priority report at support@instafinancials.com. InstaFinancials contractually guarantees that flagged credentials will be isolated and completely removed from all databases within **one (1) working day** from receiving the transmission.

6. Mutual Indemnity & Platform Disclaimer

Because the implementation requires interacting with a dynamic government utility interface, both parties agree to the following allocations of operational risk:

You warrant that any credentials provided are legitimately created, owned, or authorized for Your deployment, and that Your sharing does not violate any third-party corporate bylaws or employer non-disclosure parameters. You acknowledge that structural updates, automated rate-limiting additions, or modifications implemented by the Ministry of Corporate Affairs portal may occasionally result in temporary account lockouts, password refresh flags, or suspension of specific portal profiles. You agree that InstaFinancials will not be held liable for administrative platform actions, profile resets, or connectivity blocks issued directly by the external governmental portal operator.

7. Governing Law & Dispute Resolution

These Authorization Terms are governed by and construed in alignment with the laws of the Republic of India. Any litigation, dispute, claim, or structural legal friction emerging out of these arrangements shall be subject to the exclusive jurisdiction of the competent courts located in Bengaluru, Karnataka, India.