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Last Updated on 09 February, 2026
This privacy policy (“Policy”) is made in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, and applicable RBI guidelines and regulations, and describes policies and practices of the GC Web Ventures Private Limited, a company incorporated under the Companies Act, 2013, having registered office at Plot No.-55, Upper Ground Floor Saidulajab, Westend Marg, New Delhi - 110030 and its affiliates, successors and assigns (hereinafter referred to as “IndiaLends”, “We”, “Us or “Our”) regarding the collection, processing, use, storage, and disclosure of information when you (hereinafter referred to as “You”, “Your” or “User”) visit, access or use the Platform (defined below) for any purpose, including but not limited to availing of the Services (defined below). IndiaLends owns and operates a website, accessible on www.indialends.com, and a mobile application under the brand name ‘IndiaLends’ (hereinafter collectively referred to as “Platform”).
This Policy constitutes a legal agreement between You as the User of the Platform, and IndiaLends, as the owner of the Platform. For clarity, User shall mean any person, who visits, uses and/ or transacts through the Platform. You are permitted to use the Services available on the Platform only if you are a natural person, a citizen of India, and at least eighteen (18) years of age.
This Policy supersedes any prior communication on this subject matter and excludes third-party websites/ applications that are connected via links to the Platform and stores from where You download IndiaLends mobile application. We urge You to read the terms and conditions of the third-party websites, stores and applications and use/access them at your own risk. Except to the extent expressly prescribed in this Policy, IndiaLends shall not be liable or responsible to You for any acts or omissions of third-party websites, applications or stores, as IndiaLends does not have any control over such websites, stores and applications.
By visiting or accessing the Platform and voluntarily providing Us with information, including, but not limited to, personal information and sensitive personal information, You are consenting to Our use of the information in accordance with this Policy.
IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY, PLEASE DO NOT USE OR ACCESS THIS PLATFORM.
This Policy is a part of the ‘Terms & Conditions’ located here . Your use of the Platform will be governed by this Policy together with all policies, notices, guidelines, disclaimers that are published on the Platform and/or shared with You from time to time and such other terms as may be applicable to You as a User of the Platform.
This Policy shall be enforceable against You in the same manner as any other written agreement.
We reserve the right to modify this Policy at any time and update this Policy from time to time, so please review this Policy frequently to understand the latest privacy practices adopted by Us. Changes and modifications to this Policy will take effect immediately upon posting on the Platform. Any continued use of the Services shall signify Your acceptance of such updated Policy.
We place the highest importance on respecting and protecting your privacy. The objective of this Policy is for you to better understand:
We aim for full transparency on how We gather, use, and share Your information.
IndiaLends is in the business of inter alia, providing services of the nature of (“Services”):
IndiaLends is in the business of inter alia, providing services in the nature of facilitating the provision of loans and credit cards. IndiaLends has partnered with various banks and NBFCs (collectively, “Lending Partner(s)”) that offer loans and credit card products. IndiaLends acts as an intermediary for the purposes of connecting You with the Lending Partners and enabling You to avail products offered by Lending Partners, such as loans and credit cards, and their other financial products, as the case maybe. For the list of Lending Partners engaged by Us, You may refer to the link on Our Platform.
We fetch Your credit report (“Report”) from credit bureaus as Your agent after obtaining Your explicit consent and authorisation. We share the report along with an analysis to educate You regarding Your financial health. The Report helps Us understand Your credit health in relation to which We also provide advice on ways to improve your credit health. We collect Your name, address, email ID, mobile number, age, date of birth, gender and PAN to establish Your identity for this purpose. This Report is provided to you and is not shared with any third party. On provision of information as mentioned in this Clause, You provide your express consent to Us to use the information for the purposes stated in this Clause in accordance with this Policy.
We collect the following information from You with Your explicit consent to provide You with, or in connection with, the Services.:
Other than as mentioned herein, We desist from accessing mobile phone resources like files and media, contact list, call logs, telephony functions and others or collecting any biometric data.
We may receive information related to your loan-related transactions in cases where we are providing ancillary services to the Lending Partners as outsourced by the Lending Partners, which we may further outsource to a Third Party (defined below).
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, 1st & 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 CIBIL LIMITED
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.
