Great app showing all credit data at one platform in detailed in secured way. Fast processing of cards and loans.
At first place i could not believe that getting a credit card is that easy and quick. Thanks to IndiaLends for being such a great help. 10 out of 10 for their consultative app
read more...roach. Also, my big thanks to the agent for guiding me throughout my credit card application process. Keep it up guys. Great Work!!!
Narender Kumar
Haryana
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 Indialends
Nitin Singh
Delhi
Excellent App to know your credit history and score. I got my credit report and the credit history absolutely free for 12 months. The report's actual cost is Rs.1200 and they
read more...are offering it with no cost. Thanks IndiaLends
Kannan Babu
Delhi
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 alwa
read more...ys ready to help. Happy and satisfied with their service . My loan is approved and disbursed.
Chandni Subba
Delhi
OTP Sent to +91 - Edit
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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 RELATION TO 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]
19th Floor, One World Centre Tower-2A-2B,
841 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”) and other related credit products (Credit Products) offered by CIBIL
through GC Web Ventures Private Limited (referred to as the “Company”) and delivery of the
Consumer Credit Information and Credit Products 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 and Credit Products
from TUCL on my behalf and use it 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 and Credit Products from TUCL on my behalf and the Company has granted its consent for being appointed for the
aforesaid purpose. I hereby represent and acknowledge that the Terms of Understanding in relation to the use of the
Consumer Credit Information and Credit Products has been agreed between me and the Company.
C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver my Consumer Credit Information
and Credit Products to the Company on my behalf.
D. I agree that my consent shall be stored by the Company on a permanent basis and shall be verifiable from time to time.
I understand that the Company cannot access the Consumer Credit Information for more than 6 months on a single Consumer
Consent and the same shall be required to be refreshed every six (6) months.
Company can store the Consumer Credit Information 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 purpose for which it was provided or
(iii) until I withdraw my consent to store such Consumer Credit Information, whichever is earlier and thereafter,
the stored Consumer Credit Information 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 Consumer Credit Information and Credit Products 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 or Credit Products , whether authorized or not;
(c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information 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 Consumer Credit Information 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
Consumer Credit Information 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 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 and agree to its terms, and confirm my authorization for [COMPANY] to obtain my
Consumer Credit Information and Credit Products.
H. I understand that in order to deliver the product to me, I hereby authorize [COMPANY],
to obtain my Consumer Credit Information and Credit Products from TUCL.
I. By submitting this registration form, I understand that I am providing express written consent 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.
J. 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.
K. 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 Consumer Credit Information or Credit Products and / or my decision to provide TUCL with the authority to
deliver my Consumer Credit Information and Credit Products 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 L by third parties arising from and in
connection with this letter.
L. 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.
M. For any issues related to your credit score/report (like wrong account information or loans/cards that you have not taken),
kindly raise a dispute with CIBIL at https://www.cibil.com/dispute/
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