This End User Agreement (the “Agreement”) is made between you (the “User” or “You”) and Easy Platform Services Private Limited (hereinafter referred to as “Client” or “Easy”), a private limited company having its registered office at Office No. 61, 6th Floor, Maker Chamber VI, Nariman Point, Mumbai 400 021 (“CLIENT”, “Us”, “Easy” 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 Easy being appointed as your authorized representative to receive your Credit Information from any Credit Information Company (also referred to as “Credit Bureau”), such as Equifax, Experian, CIBIL, CRIF, etc., for the purpose of evaluation of an individual’s credit worthiness (“End Use Purpose”), on a month-on-month basis for a period of six (6) months.

BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW) (TOGETHER REFERRED TO AS “CREDIT INFORMATION”) FROM ONE OR MORE CREDIT INFORMATION COMPANIES. YOU HEREBY ALSO CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED TO YOU AND CLIENT BY THE CREDIT INFORMATION COMPANY USING ITS TOOLS, ALGORITHMS AND DEVICES. 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 the 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 accordance with 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 by us on your behalf shall be destroyed, purged, or erased immediately upon the completion of the transaction/End Use Purpose for which the Credit Information report was procured, this period not exceeding six (6) months.

Governing Law and Jurisdiction

The relationship between you and CLIENT shall be governed by the laws of India and all claims or disputes arising therefrom 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 generated by a Credit Information Company.
• “Credit Score” means the score mentioned on the Credit Information Report which is computed by the respective Credit Information Company.
  “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.

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.