Privacy Policy

By registering yourself at www.deal4loans.com you are giving consent to us & our partnering Banks/NBFCs and Advertisers to use & disclose your personal information in accordance with this Privacy Policy. If you don’t agree to the terms of the policy, please do not use or access Deal4loans.With this consent you authorize us & our partnering Banks/NBFCs and Advertisers give you a call/sms/e-mail to offer you their services for the product you have opted for, imparting product knowledge, offering promotional offers running on website & offers offered by the associated third parties. And Irrespective of the fact if also you have registered yourself under DND or DNC service still you authorize us to give you a call/sms/e-mail from deal4loans.com & partnering Banks/NBFCs and Advertisers for the above mentioned purposes till 180 days of your registration with us.

By accepting our "Terms and Conditions" you authorize deal4loans and its associated Partner Banks to run a Cibil/Experian check for your profile

Consent for TransUnion Cibil score pull: Terms & Condition*

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

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Deal4loans and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

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.
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. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
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.
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
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 Deal4loans authorizing Deal4loans 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 Deal4loans 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 Deal4loans to obtain my Consumer Credit Information.
G. I understand that in order to deliver the product to me, I hereby authorize Deal4loans, to obtain my Consumer Credit Information from TUCL.
By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Deal4loans 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 Deal4loans account. I further authorize Deal4loans to retain a copy of my information for use in accordance with Deal4loans's Terms of Use and Privacy Policy.
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.
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 and / or my decision to provide TUCL L 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 L 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.

Yours faithfully,

Name :____________________________

Address : ____________________________

Date : ____________________________

Consent for Experian Credit score - Terms & Condition*

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and ("MMPL "), a private limited company .MMPL " "Us" or "We", which term shall include its successors and permitted assigns). The User and MMPL shall be collectively referred to as the "Parties" and individually as a "Party"

YOU HEREBY APPOINT MMPL AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

BY EXECUTING THIS AGREEMENT 1 CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE EXPERIAN CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO you AND MMPL 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

MMPL shall access your Credit Information as your authorized representative and MMPL 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 MMPL. 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.

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 promptly upon the completion of the transaction for which the Credit Information report was procured.

Governing Law and Jurisdiction

The relationship between you and MMPL 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 I 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 IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND MMPL , IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.

BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN.

Deal4loans.com doesn't provide Loans on its own but ensures your information is sent to bank which you have opted for. Deal4loans has no sales team on its own and we just help you to compare loans .All loans are on discretion of the partnering Banks/NBFCs and Advertisers .Deal4loans.com provides general information and not be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. We strongly advise that independent professional advice be obtained before you purchase any product and/or service via Deal4loans.com

This Privacy Policy covers Deal4loans.com's treatment of personally identifiable information that Deal4loans.com collects when you are on the Deal4loans.com site, and when you use Deal4loans.com 's services. This policy also covers Deal4loans.com's treatment of any personally identifiable information that Deal4loans.com's business partners share with Deal4loans.com. This policy does not apply to the practices of companies that Deal4loans.com does not own or control, or to people that Deal4loans.com does not employ or manage.

Storage of Customer Data

Deal4loans.com will store and process your data only in servers located within India, in accordance with RBI circular on Digital Lending dated 02nd September, 2022 and any other regulation applicable on Deal4loans.com.Deal4loans will ensure that any customer data collected by Deal4loans or any digital lending apps of LSP will be need-based, with your prior and explicit consent and will have an auditable trail.

•Deal4loans.com collects personally identifiable information when you register for an Deal4loans.com account, when you use certain Deal4loans.com products or services, when you visit Deal4loans.com pages, and when you enter promotions or sweepstakes. Deal4loans.com may also receive personally identifiable information from our business partners.

When you register with Deal4loans.com, we ask for your first name, last name, time zone, zip/postal code, country, state, city, email, birth date, and gender. Once you register with Deal4loans.com and sign in to our services, you are not anonymous to us. Customer data or information that we may collect from you and store with us for 3 (three) years to carry out our operations from the last login with us. Deal4loans may seek a one-time permission with your prior and explicit consent for accessing camera, Microphone, Location, or any other facility necessary for the purpose of an onboarding. We will not store/ collect any biometric data in the systems associated with us, unless allowed under extant statutory guidelines as applicable to us.

Please remember that any provider of financial services is entitled to register with Deal4loans.com. Deal4loans.com does not examine whether the advertisers are good, reputable or quality sellers of goods / service providers. You must satisfy yourself about all relevant aspects prior to availing of the terms of service.Deal4loans.coml has also not negotiated or discussed any terms of engagement with any of the advertisers. The same should be done by you. Purchasing of goods or availing of services from advertisers shall be at your own risk.

We do not investigate, represent or endorse the accuracy, legality, legitimacy of the service providers who advertise with us References that we make to any names, marks, products or services of third parties or hypertext links to third party sites or information do not constitute or imply our endorsement, sponsorship or recommendation of the third party, of the quality of any product or service, advice, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the Media.

Restriction on Use or Sharing of Personal Information

Deal4loans Uses the information that it collects for several purposes, including:

Provide the Services you have requested
Administer, improve and personalize your experience on the platforms
Measure consumer interest in our platforms and services
During registration, you will be requested to register your mobile phone and email id, pager, or other device to receive text messages, notifications, and other services to your wireless device. By registration you authorize us to send sms/email alerts to you for your login details and alerts or some advertising messages/emails from us. Note* If at any time you wish to stop these sms/email alerts, all you have to do is write an email to us at customercare@Deal4loans.comwith your mobile numbers and your mobile numbers will be deleted from the alerts list.
To analyze the accuracy, effectiveness, usability, or popularity of the Services
To compile aggregate data for internal and external business purposes
To prevent fraud and abuse of the services and to otherwise protect users and visitors and our business
Resolve disputes, troubleshoot concerns and help promote safe services
Meet legal, regulatory and self-regulatory requirements
Enforce our terms and conditions

Deal4loans.com will not sell or rent your personally identifiable information to anyone other than as specifically noted herein. Notwithstanding the foregoing, Deal4loans.com may sell and/or transfer your personally identifiable information to an affiliate and to any successor-in-interest as a result of a sale of any part of Deal4loans.com's business or upon the merger, reorganization or consolidation of Deal4loans.com with another entity on a basis that Deal4loans.com is not the surviving entity. For the purposes of this paragraph, "affiliate" means any person directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with Deal4loans.com. The term "control," as used in the immediately preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person. As used in this Privacy Policy, the term "person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association or any other entity.

Data Retention Period

Deal4loans generally keeps your information as long as reasonably necessary to provide you the services or to comply with applicable law. However, even after you deactivate your account, Deal4loans can retain copies of information about you and any transactions or services in which you may have participated for a period of time that is consistent with applicable law, applicable statute of limitations or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our services, to assist with investigations, to enforce applicable agreements or policies, or to take any other actions consistent with applicable law.

Data Restriction Protocol

Data destruction ensures that Deal4loans manages the data it controls and processes it in an efficient and responsible manner. When the retention period for the data as outlined above expires, Deal4loans will actively destroy the data covered by this policy.

Exclusions of liability

We at Deal4loans.com try to ensure that the data, material and information on the Websites are accurate. We will also endeavor to correct any errors or omissions as soon as practicable after being notified of them. However, we are not responsible in any way if the data, material and information on the Websites are found to be inaccurate or if there are any errors or omissions in the data, material and information.

We at MMPL do not monitor, verify or endorse data, material and information submitted or provided by third parties, which is included on the Websites, and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the Websites. We are not responsible for any data, material or information included on the Websites, which has been provided by third parties.

We are not responsible for any losses or damages arising from an inability to access the Websites, from any use of the Websites or from reliance on the data transmitted using the Websites where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet. We are not responsible or liable for any indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you which were not foreseeable by us when you accessed or used the Websites.

•Exclusion of liability for third party providers products and services and Third party advertisements

You can apply for and buy a number of products and services via our Deal4loans.com . It is specifically clarified that we do not provide any of the products and services that appear on the Websites. All these products and services are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties. We are not responsible for any products or services or information provided by third party providers.

You should exercise due caution to ensure your interests. Do not handover any cash. Get all promises on terms and conditions in writing on a letterhead. Get the visiting card of the person visiting you and check out that the landlines numbers mentioned on the card are correct. Most advertisers are unable to return documents in case your proposal is not accepted. If this is an issue with you, please get a promise to return your documents in writing in the event of your proposal is not accepted for any reason.

Any transactions relating to sale/purchase of goods or services not directly offered by Us are to be settled inter-se between the parties to such transaction and all warranties express or implied of any kind, regarding any matter pertaining thereto, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement are disclaimed by Us.

We try to provide a platform where you and other party may interact, exchange information or carry out any transactions on such terms and in the manner mutually agreed between you and the other party. We do not have any involvement in the actual transactions between the buyers and sellers of any product and service. It is only you, who is entirely responsible for all the activities, arising out of the transactions of goods or services offered by any other party and not us. We will not be liable for any loss that you may incur, while selling or purchasing goods /services of the third party

We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Web site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you.

•Advertisements on Deal4loans.com

The advertisements that you see displayed on this websites are delivered on our behalf by a third party.

You have chosen the advertisers to whom your details will be referred. These parties are independent 3rd parties and we have no control over their functioning

We try to act in good faith in providing a comparison service and allowing advertisers to advertise on it. We disclaim all liability and responsibility for the conduct of advertisers using our site to advertise their services. We are not responsible for their services advertised on this site. Users should carry out appropriate checks before engaging them for any services and be confident of their integrity and have proper contact details for the advertiser (not just their mobile number). If in doubt do not engage their services. This site disclaims without exception all liability for all Advertisements. Furthermore no advertiser is an associate of this site and we do not act as an agent for any advertiser and where a dispute arises between parties, you undertake to resolve it independently of this site and accept that this site will not mediate in any dispute between parties.

Customers obligations who register with Deal4loans.com warrant that you have taken all reasonable precautions to ensure that any data you submit to the Websites is true and accurate. You warrant that all information provided on registration on the Websites and otherwise provided by you on this site shall be true, complete and accurate.

Grievance Redressal Officer Details :
Gangesh Malhotra
Simranjeet Singh
0120-4215026
grievance@wishfin.com
RBI's Sachet Portal

•Privacy Policy Changes

Deal4loans.com may amend this policy from time to time, at our discretion. If we make any substantial changes in the way we use your personal information we will notify you by posting the changes here on these Privacy Policy pages.