Privacy policy

 Please read these User T & C carefully before using this Website and/or Application.

Welcome to Easy Cash - Cash Loan Instant ! It is the exclusive licensee in Indian territory of the Easy Cash - Cash Loan Instant technology and Website. By visiting the Website, you agree that these User T & C shall be a legally binding agreement between User and us(“Herein after referred as “Lending NBFC”, “Company”, “Lender” as applicable”)

Your use of our Services is expressly conditional on your acceptance of these User T & C.

This document is an electronic record in terms of the Information Technology Act, 2000 and rules there under in force, and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000 from time to time. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 that require publishing the rules and regulations as well as the Easy Cash - Cash Loan Instant mobile application platform and any other application or software run under the brand name "Easy Cash - Cash Loan Instant ". These User Terms and Conditions ("User T & C") apply to the access and use of any Easy Cash - Cash Loan Instant application or software whether run through the mobile application or on any other media platform (hereinafter referred to as the "Website" or "Easy Cash - Cash Loan Instant"). Persons accessing or using our Website or availing the Loan and facilities on our Website (collectively the "Services") are hereinafter referred to as "Users" or "you".

Your use of this Website is subject to the following terms of use:

a.The content of the pages of this Website is for your general information and use only. It is subject to change without notice. Unauthorised use of this Website may give rise to a claim for damages and/ or be a criminal offence.

b.The service statements on this Website are for general description purposes only. The information contained in this Website should not be viewed as an offer to sell or as a solicitation to purchase any of our Services. Furthermore, not all Services are available in every state or country.

c.Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this Website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted bylaw.

d.The Website may contain links to other third party sites. Such sites will contain their own separate terms and conditions. Your access to and use of these interactive sites will require acceptance of these separate terms and conditions.

e.You agree to use the Website only for lawful purposes. You agree not to take any action that might compromise the security of the Website, render the Website inaccessible to others or otherwise cause damage to the Website or the content therein. You agree not to add to, subtract from, or otherwise modify the content, or to attempt to access any content that is not intended for you. You agree not to use the Website in any manner that might interfere with the rights of third parties.

f.This Website uses cookies to monitor browsing preferences.

g.We make no warranties or representations about this Website or any of its content. Easy Cash - Cash Loan Instant is not responsible to you or anyone else for any damages of any kind, including (but not limited to) any direct or consequential loss and losses resulting from security failure, disclosure of confidential information by other parties or the transmission of a computer virus, suffered in connection with the use of this Website. Your use of any information or materials on this Website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this Website meet your specific requirements.

h.All material she rein and all Company software are proprietary to Company and protected by world wide copyright and other intellectual property laws. Except as stated herein, none of the materials may be modified, copied, reproduced, distributed, republished, downloaded, displayed, sold, compiled, posted or transmitted in any form or by any means, including but not limited to, electronic, mechanical, photo copying, recording or other means, without the prior express written permission of the Company.

i.Unauthorised use of this Website may give rise to a claim for damages and/or be a criminal offence.

j.Any violation of these User T & C may result in legal liability upon you. Nothing in these User T & C should be construed to confer any rights to any third party or any other person. Your use of the Website means you are consenting to this User T & C and agree to be legally bound by it.

k.You acknowledge and agree that nothing in these User T & C shall have the effect of transferring the ownership of any copyrights, trademarks, service marks, trade names or other proprietary rights in the Website or Application or any other Material or any part thereof to you or any third party.

1. USER REGISTRATION
In order to participate in certain activities on this website, you may need to create an account. If you wish to create an account with us, you can do so by completing the registration process. You agree to a) provide true, accurate, correct and complete information as prompted by the applicable registration form b) maintain and update the true, accurate, correct and complete information you provided during the registration process. You may need to choose a password and username. You are solely responsible for maintaining the confidentiality of your password and account.

If at any time the company believes that your account and password have been abused in any way, or the information you provided during the registration process is untrue, inaccurate or incomplete, the company reserves the right to cancel your account and prevent you from accessing the website.

You are fully responsible for any and all activities that occur under your account. You agree to notify the company of any unauthorized use of your account or any breach of security. The company will not bear any responsibility for any losses caused to you due to the use of your password or account by others or your failure to comply with the provisions of this section.

2.DISCLOSURE STATEMENT
Easy Cash - Cash Loan Instant needs to collect the following personal/sensitive information, and you can use the app functions normally after you agree, including:

(1). Camera permissions:

We need to obtain your camera permissions;

After we collect it, we will use it to: take ID photos and perform facial recognition to confirm your true identity and speed up your loan application process;

Your information will be kept confidential and encrypted on our server, and will not be disclosed to any third party, only for use by this app.

(2). Mobile phone number:

We will collect all your SMS records、contact names and phone numbers from your device phone book;

After we have collected it, we will use it to: help you pre-fill the contact information for the detection of the loan risk control system, help you verify loan eligibility, speed up the loan application process, and send a collection text message when you are overdue;

Your information will be kept confidential and encrypted on our server, and will not be disclosed to any third party, only for the use of this app.

(3). Identity verification information:

We will obtain your identity verification information from your ID photo;

We will read the ID number according to the ID photo, help you pre-fill information and confirm your qualifications, and provide corresponding loan services according to your qualifications;

Your information will be kept confidential and encrypted on our server, and will not be disclosed to any third party, only for use by this app.

(4). Device storage information:

We will collect storage information from your device, including hard disk size and memory size;

After we collect, we will use it to verify your loan eligibility in the risk control system;

Your information will be kept confidential and encrypted on our server, and will not be disclosed to any third party, only for use by this app.

(5).Application:

We will collect all application names, application installation time, and application version numbers from the application catalog installed on your device;

After we collect, we will use it to verify your loan qualifications in the loan risk control system, and help you recommend loan products that are more in line with your qualifications;

Your information will be kept confidential and encrypted on our server, and will not be disclosed to any third party, only for use by this app.

(6). Location information:

We need to obtain your location permission and collect your GPS location when you fill in the geographic location;

After we have collected the location information, it will be used to: confirm whether your location is within the scope of our service;

Your information will be kept confidential and encrypted on our server, and will not be disclosed to any third party, only for use by this app.

(7). Equipment, operator and network information:

We need to obtain your equipment, operator and network information;

After we collect, we will apply it to: to ensure that your equipment and network are normal, to ensure that you can use the program normally;

Your information will be kept confidential and encrypted on our server, and will not be disclosed to any third party, only for use by this app.

The above permissions will not be turned on by default, and will be turned on only after you click to confirm the authorization, and will be used when implementing functions or services. We promise that if you choose to leave or close the page of the current disclosure statement, we will not collect your information. And when the service is not needed, it will not collect your information.

You can view the full version of the "User Agreement" and "Privacy Policy" after you agree and accept, you will be able to use our products.

3. USE OF GOOGLE ANALYTICS & GPS
The Website uses Google Analytics, a web and mobile analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your device, to help analyze how users use the Website application. The information generated by the cookie about your use of the Website (including your IP address) will be transmitted to and stored by Google on servers in the United States or India or Cloud. Google will use this information for the purpose of evaluating your use of the Website, compiling reports on Website activity for operators and providing other services relating to Website activity and Internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. By using this Website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

4. ADVERTISING MATERIAL
Some part of the Website may contain advertising information or promotion material or other material submitted to Easy Cash - Cash Loan Instant by third parties. Responsibility for ensuring that the material submitted for inclusion on Website complies with applicable law is exclusively on the party providing the information/material. Your correspondence or business dealings with, or participation in promotions of advertisers or including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between You and such advertiser. Company will not be responsible or liable for any claim, error, omission, inaccuracy in advertising material or any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Site. Company reserves the right to omit, suspend or change the position of any advertising material submitted for insertion.

5. DATA PRIVACY
This Website’s Privacy Policy governs our collection, use, and disclosure of your personal information and is incorporated into these User T & C. Please read it carefully. It describes what information we collect from you and when, how and why we may create an account for you, who we share your information with and when and how you can opt-out or delete your account. This is important information. By providing your personal details and by using our Website, you consent to our Privacy Policy.

6. DISCLAIMER OF WARRANTIES
We make no representation as to the accuracy, timeliness, or completeness of the website materials. we periodically amend, change, add, delete, update or alter the information, including, without limitation, the user t & c, at the website without notice. further, we assume no liability or responsibility for any errors or omissions in the content of the website. we specifically disclaim any duty to update the information on the website. you are responsible for verifying all information located on this website.

All materials, information, software, products, and services included in or available through this website (the “content”) are provided “as is” and “as available” for your use. the content is provided “as is” and without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non- infringement, and title.

7. ENTIRE AGREEMENT
These User T & together with the Privacy Policy, Loan and Risk Policy, Terms and Conditions for Grant of Social Loan, Know Your Customer Policy, Fair Practices Code, PMLA and other policies made available on the Website, as amended from time to time, constitute the entire agreement between you and us. If any provision of these User T & C or any policy are considered unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these User T & C or any policy and shall not affect the validity and enforceability of any remaining provisions.

8. APPLICABLE LAW
These User T & C shall be a legally binding agreement between User and us and shall be governed by and interpreted and construed in accordance with the laws of India. Notwithstanding the foregoing, we reserve the right to pursue any action or claim against you in any court of competent jurisdiction which we believe is the most appropriate to seek any relief. Subject to the arbitration provision herein, the courts at Telangana, India shall have exclusive jurisdiction over any claims or matters arising out of these User T & C.

9. CHANGES TO TERMS OF USE
We reserve the right to modify them at any time, and without actual notice to you. All such changes to these User T & C will appear on the Website.

By using this Website following any modifications to these User T & C, you agree to be bound by any such modifications to these User T & C. If any changes to these User T & C are unacceptable to you, you must discontinue use of the Website. We reserve the right to suspend or deny, in our sole discretion, your access to all or any portion of the Website, including for any violation of any provision of these User T & C. We also reserve the right to change the Website without notice to you, at any time.

10. LIMITATION OF LIABILITY
Use of the Easy Cash - Cash Loan Instant website is at your sole risk. while we make reasonable efforts to ensure the safety and functionality of our website, these efforts may fail and errors may occur. In no event shall company or any other party involved in the creation, production, or delivery of the content of this website be liable for any direct, indirect, special, incidental, consequential, or punitive damages of any kind, or any damages whatsoever resulting from loss of use, computer virus or system failure, or loss of data or profits, arising out of or in connection with the use or performance of this website (or the content provided at this website on any application related to any third party), or users’ inability to use the content contained in this website (or any other application), on any theory of liability. we will not be liable or responsible for any loss or damage caused by or arising from your reliance on the content of this website. these waivers apply even if company has been advised of the possibility of such damages. in no event shall our liability to you for any damages, losses, or causes of action (whether in contract or tort, including, but not limited to, negligence or otherwise) exceed the amount, if any, paid by you to us for accessing this application.

The foregoing limitations will apply even if any remedy provided under these user t & c fails of its essential purpose.

11. TERMINATION
We shall have the right immediately to terminate this agreement with you and your use of the Website if we determine in our sole discretion that you have breached any of these User T & C or otherwise been engaged in conduct which we determine in our sole discretion to be unacceptable. Upon termination or expiration of these User T & C, your obligations and our rights and disclaimers survives, but your right to use the Website immediately ceases. Any express waiver or failure to exercise promptly any right under these User T & C will not create a continuing waiver or any expectation of non-enforcement.

12.Information Collected:
To create an account on Easy Cash - Cash Loan Instant, you must provide us with the basic details and information required as part of our Customer Identification process and you agree to our User Terms and Conditions and this Privacy Policy, which governs how we treat your information. App collects basic information required to provide customized services (for example: loan offers, content, more relevant ads), including your name, mailing address, postal code, job title, family details, employer details, phone number, PAN No., employment information, salary slips, declarations, your description and details in your account, financial information such as bank account etc.

You will register with us using your Facebook or LinkedIn account or Google identity (“Third party sites”). You understand that, by creating an account or by registering through Third party sites, we and others will be able to identify you by your Easy Cash - Cash Loan Instant profile. However, we will not be liable under any circumstance for the generation of your profile or the information you provide therein. Easy Cash - Cash Loan Instant will also not be liable for the photographs and data that the Users might upload, the use and misuse thereof. We will ask for your bank account details only for the Service.

All the information that you shall provide us is voluntary, including sensitive personal information. You understand that Easy Cash - Cash Loan Instant may use certain information of yours, which has been designated as ‘sensitive personal data or information’ under the IT Rules for the purpose of providing you the services and for sharing the information only with affiliates who are subject to this Privacy Policy, as will be explained further below.