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IMPORTANT INFORMATION IN RELATION
ACCESS TO CREDIT INFORMATION THROUGH CRIF HIGHMARK
I hereby appoint GC Web Ventures Pvt. Limited (hereinafter, “Indialends”) as my authorized representative to receive my credit information from CRIF Highmark. I hereby irrevocably and unconditionally consent to such credit information being provided by CRIF Highmark to me and IndiaLends, and I hereby agree, acknowledge, and accept the terms and conditions set forth herein. I hereby also acknowledge that for IndiaLends to service me as a customer to access my credit worthiness, the credit information shall be shared by CRIF Highmark with me and IndiaLends on a month on month basis. I understand that on completion of every 12 months, a written communication will be sent to my mail id and I shall have the option to opt out/unsubscribe from the service. I have read the terms and conditions of this document carefully before accepting. By clicking on the “I Accept” button below, I am expressly agreeing to access the CRIF Highmark credit information report and credit score (as defined in the important information section below and together referred to 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 thereunder, and the amended provisions pertaining to electronic records.
IMPORTANT INFORMATION
CONSENT IN RELATIONTO ACCESS TO CREDIT INFORMATION THROUGH EXPERIAN
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. 31, 2nd Floor, Sector 18, Udyog Vihar, Sector 18, Gurugram, Haryana - 122015. (“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 on an ongoing basis until the (i) for the purpose of determining credit worthiness of consumer through using Provider’s Credit Information Report and sharing relevant credit products with the consumer; and (ii) in relation to credit monitoring that enables the Individual Consumers to monitor various active loan products, new enquiries, movement of credit score, delayed payments flags etc., (“End Use Purpose”) is satisfied or expiry of 6 months from date the consent is collected; 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 IRREVOCABLY AND UNCONDITIONALLY 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 by 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.
IMPORTANT INFORMATION IN RELATION
ACCESS TO CREDIT INFORMATION THROUGH TRANSUNION
To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building, Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
In connection with submission of the application for my credit information offered by CIBIL
(“Consumer Credit Information”) through GC Web Ventures Private Limited (referred to as
the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby
acknowledge and agree to the following:
A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for
the purposes, including, without limitation, to receive the Consumer Credit Information
from TUCL on my behalf and use it in the manner consistent with the Agreement entered
into between the Company and TUCL, 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 Consumer Credit
Information from TUCL on my behalf and use it in the manner consistent with the
consistent with the Agreement entered into between the Company and TUCL, as the
case may be, and the Company has granted its consent for being appointed for the
aforesaid purpose. (b) the Terms of Understanding in relation to the use of the
Consumer Credit Information has been agreed between me and the Company.
C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or
transfer my Consumer Credit Information to the Company on my behalf.
D. 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 Consumer
Credit Information to the Company ; (b) any use, modification or disclosure by the
Company of the contents, in whole or in part, of my Consumer Credit Information ,
whether authorized or not; (c) any breach of confidentiality or privacy in relation to
delivery of my Consumer Credit Information to the Company ; (d) for any use made by
the Company which is contrary to the Agreement entered into between the Company
and TUCL
E. I acknowledge and accept that: (a) TUCL has not made any promises or representations
to me in order to induce me to provide my Consumer Credit Information or seek any
consent or authorization in this regard; and (b) the implementation of the Agreement
between TUCL and the Company is solely the responsibility of the Company.
F. I agree that I may be required to record my consent / provide instructions
electronically and in all such cases I understand that by clicking on the "I
Accept" button below, I am providing "written instructions" to COMPANY
authorizing COMPANY to obtain my Consumer Credit Information from my
personal credit profile from TransUnion CIBIL LIMITED, [formerly known as
Credit Information Bureau (India) Limited]]. I further authorize COMPANY to
obtain such information solely to confirm my identity and display my
Consumer Credit Information to me. Further in all such cases “By checking
this box and clicking on the ‘Authorize button, I agree to the terms and
conditions, acknowledge receipt of TUCL privacy policy
(https://www.transunioncibil.com/legal/privacy-policy )and agree to its terms,
and confirm my authorization for [COMPANY] to obtain my Consumer Credit
Information .
G. I understand that in order to deliver the product to me, I hereby authorize [COMPANY],
to obtain my Consumer Credit Information from TUCL.
H. By submitting this registration form, I understand that I am providing express written
instructions for [COMPANY] to request and receive information about me from third
parties, including but not limited to a copy of my consumer credit report and score from
consumer reporting agencies, at any time for so long as I have an active [COMPANY]
account. I further authorize [COMPANY] to retain a copy of my information for use in
accordance with [COMPANY’S] Terms of Use and Privacy Policy.
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/Company , 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 Consumer Credit Information and / or my decision
to provide TUCL with the authority to deliver my Consumer Credit Information 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.
I agree that the terms of this 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.
Great app showing all credit data at one platform in detailed in secured way. Fast processing of cards and loans.
My Credit Score is absolutely free!! Wonderful app, got my credit report and history absolutely free for 1 year. The Best part is report's actual cost is 1200 in market. Thanks @indialends
Kannan Babu
11 December 2016
It's very nice.. I have applied Rbl bank credit card.. Thanks for Mr. Paras. He told me about this application.. You can get credit card.. Thanks India lends
Nitin Singh
9 November 2018
Awesome app not only about the credit score but the way this app categorized the loans and payment history and detailed report i liked it. Easy access and friendly user
Shaik Rasheed
15 November 2018
They are amazing, they guide you through all the necessary processes. They are just a mail or call away. Very helpful. India lends executives are polite, ... professional and always ready to help. Happy and satisfied with their service . My loan is approved and disbursed.Read More
Chandni Subba
20 November 2018