You hereby appoint GC Web Ventures Pvt. Ltd. (hereinafter, "IndiaLends") as your authorized representative to receive your credit information from CRIF Higmark. You hereby irrevocably and unconditionally consent to such credit information being provided by CRIF Higmark to you and IndiaLends, and you hereby agree, acknowledge, and accept the terms and conditions set forth herein.

You hereby also acknowledge that for IndiaLends to service you as a customer to access your credit worthiness, the credit information shall be shared by CRIF Higmark with you and IndiaLends on a quarterly basis in a period of 12 months continuously (4 reports in a year) to ensure that you are able to view your complete credit history. Please read the terms and conditions of this document carefully before accepting. By clicking on the “I Accept” button below, you are expressly agreeing to access the CRIF Higmark credit information report and credit score (as defined in the important information section below and together referred as “credit information”) and share a copy of the credit information with IndiaLends in the “as is” format. Please click on the link below to read and understand the important information section below. ** This document is an electronic record in terms of the Information Technology Act, 2000, and rules made there under, and the amended provisions pertaining to electronic records.

This End User Agreement (the “Agreement”) is made between you (the “User” or “You”) and GC Web Ventures Pvt. Ltd., a private limited company having its registered office at Plot No. 55, Upper Ground Floor, Saidujalab, Westend Marg, New Delhi – 110030. (“CLIENT”, “Us” or “We”, which term shall include its successors and permitted assigns). The User and CLIENT shall be collectively referred to as the “Parties” and individually as a “Party”.
You hereby consent to CLIENT being appointed as your authorised representative to receive your Credit Information (i) for the purpose of determining your credit worthiness through using provider’s Credit Information Report and sharing relevant credit products with You as provided by the financial partners of the CLIENT; and (ii) in relation to credit monitoring that enables the individual consumers to monitor various active loan products, movement of credit score, delayed payments flags etc. as required in accordance with applicable laws, (“End Use Purpose”) on an ongoing basis until the End Use Purpose for not exceeding 6 months or withdrawal of consent; whichever is earlier.
BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE EXPERIAN CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS “CREDIT INFORMATION”). YOU HEREBY ALSO CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND CLIENT BY USING EXPERIAN TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN.
Terms and Conditions:
Information Collection, Use, Confidentiality, No-Disclosure and Data Purging
CLIENT shall access your Credit Information as your authorized representative and CLIENT shall use the Credit Information for limited End Use Purpose consisting of and in relation to the services proposed to be availed by You from CLIENT. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein and in furtherance to applicable law including the CICRA. The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared to You, or received on by Us on your behalf shall be destroyed, purged, erased immediately upon the completion of the transaction/ End Use Purpose for which the Credit Information Report was procured, this period not being longer than 6 months.
Governing Law and Jurisdiction
The relationship between you and CLIENT shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of Mumbai.
Definitions:
Capitalised terms used herein but not defined above shall have the following meanings:
“Business Day” means a day (other than a public holiday) on which banks are open for general business in Mumbai.
“Credit Information Report” means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by Experian;
“Credit Score” means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
“CICRA” shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVEMENTIONED TERMS AND CONDITIONS AND CLICK ON “ACCEPT” FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS/ FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH CLIENT IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE. BY CLICKING “ACCEPT” YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN.

To,
TransUnion CIBIL Limited
19th Floor, One World Centre Tower-2A-2B,
841 Senapati Bapat Marg,
Lower Parel,
Mumbai – 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information ("Credit Information Report") offered by TransUnion CIBIL Limited (TUCL) through GC Web Ventures Private Limited and delivery of the Credit Information Report to the Company, I hereby acknowledge and agree to the following:
A. The Company is my lawfully appointed agent and it has agreed to be my agent to receive the Credit Information Report from TUCL on my behalf and use Credit Information Report for the purpose of sharing it with me, for ongoing credit monitoring, credit awareness and to show offers provided by company's lending partners ("Purpose") and the Company has granted its consent for being appointed for the aforesaid Purpose.
B. I grant my unconditional consent to the Company to receive the Credit Information Report from TUCL on my behalf and the Company has granted its consent for being appointed for the aforesaid Purpose.
C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver my Credit Information Report to the Company on my behalf. I further expressly consent to TUCL storing and using my logs relating to the access of my credit information and sharing such information with third parties for the purpose of assessing my credit awareness / monitoring behaviour or other purpose permitted under applicable law.
D. I agree that my consent shall be stored by the Company either as an electronic or physical record and which is permanent in nature and shall be verifiable from time to time. I understand that the Company can receive the Credit Information Report only on the basis of my consent. I understand that based on my present consent the Company can refresh and access my Credit Information Report multiple times for a period of 6 months from the date of this present Consent given to the Company. Company can store the Credit Information Report only for (i) a limited time period of six months or (ii) till such time the credit information is required to be retained to satisfy the abovesaid Purpose for which it was provided or (iii) until I withdraw my consent to store such Credit Information Report, whichever is earlier and thereafter, the stored Credit Information Report shall be deleted, purged, expunged by the Company.
E. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Credit Information Report to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Credit Information Report, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Credit Information Report to the Company.
F. I acknowledge and accept that TUCL has not made any promises or representations to me in order to induce me to provide my Credit Information Report or seek any consent or authorization in this regard.
G. I agree that I may be required to record my consent / provide consent electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written consent" to [COMPANY] authorizing [COMPANY] to obtain my Credit Information Report from my personal credit profile from TransUnion CIBIL LIMITED. I further authorize [COMPANY] to obtain such information solely to confirm my identity and display my Credit Information Report to me. Further in all such cases, "By checking this box and/or clicking on the 'Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for [COMPANY] to obtain my Credit Information Report.
H. I understand that in order to deliver the product to me, I hereby authorize [COMPANY] to obtain my Credit Information Report from TUCL.
I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN "AS-IS", "AS AVAILABLE" BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter "Releasee"), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) ("Losses"), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Credit Information Report and/or my decision to provide TUCL with the authority to deliver my Credit Information Report to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL by third parties arising from and in connection with this letter.
K. I agree that the terms of this consent/confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.