Welcome to our website.

Prisha Web Ventures Private Limited (hereinafter referred to as “Company”, “We”, “Us”, or “Our”) owns and maintains this website, [www.ezpocket.in], (“Website”). Through this Website and the mobile application, the Company provides the credit and other financial products to its clients (“Services”).
By using the Website or the Services, you (hereinafter referred to as “User,” “You,” or “Your”, “Yourself”) are agreeing to be bound by the following terms and conditions (“Terms of Use”). Please note that by browsing the Website, completing any online form, application or survey or availing any Service offered by the Company, You will be deemed to have read, understood and accepted the Terms of Use.
The Company may make changes, without prior notification, to the Terms of Use from time to time at the Company’s sole discretion. The revised Terms of Use shall be made available on the Website. You are requested to regularly visit the Website to view the most current Terms of Use. The Website may require You to provide Your consent to the updated Terms of Use in a specified manner before any further use of the Website and/or the Services is permitted. If no such separate consent is sought, Your continued use of the Website or the Services, following changes to the Terms of Use, will constitute Your acceptance of those changes.

1. User Agreement

   User agrees to the following: a. User will use the Website for lawful purposes only and comply with all applicable laws and regulations while using and transacting on the Website or availing any of the Services. b. User will provide authentic and true information in all instances where such information is requested from the User. The Company reserves the right to confirm and validate the information and other details provided by the User at any point of time. If upon confirmation, User details are found not to be true (wholly or partly), the Company has the right, in its sole discretion, to reject the registration and debar the User from using the Website, without prior intimation whatsoever. c. User shall access the Website and transact at User’s sole risk and shall use the User’s best and prudent judgment before entering into any transaction through this Website.

2. User Eligibility

   You understand and accept that not all products and Services offered on this Website are available in all geographic areas, and You may not be eligible for all the products or Services offered by the Company on the Website. The Company reserves the right to determine the availability and eligibility for any product or Service.

3. Prohibited Use

   The Website and the Services may be used only for lawful purposes. You are prohibited from using any robot, spider or any other data mining technology or automatic or manual process to monitor, cache, extract data from, copy or distribute the intellectual property, proprietary material or other user content available on or accessed through the Website. You are also prohibited from using the Website in any manner that could damage, disable or impair the Website, or interfere with any other party’s use, or enjoyment of the Website.

4. Personal Information

   Personal information You provide to the Company on the Website is governed by the Company’s Privacy Policy located at [www.ezpocket.in]. Your election to use the Website or avail the Services indicates Your acceptance of the terms of the Company’s Privacy Policy

5. Intellectual Property Rights

   You are aware and accept that all information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) on the Website is protected by copyright in favour of the Company under the applicable copyright laws and the general intellectual property law. You acknowledge that the Company owns all right, title and interest in and to the Services, including without limitation all intellectual property rights including, with respect to the applications and the Website associated with the Services. Accordingly, You agree that you will not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer, or in any way exploit, any part of any information, content, materials, Services available on or through the Website, except that which you may download for your own personal, non-commercial use. You also agree that You will not use any robot, spider, other automated device to monitor or copy any content from the Website. The Company is the sole owner of the Company marks, service marks, trade name and any other marks used by the Company (collectively “Trademarks”). You agree not to interfere with Our rights in the Trademarks, including challenging Our use, registration or application to register the Trademarks, anywhere in the world, and that You will not harm, misuse, or bring into disrepute any of the Trademarks. The goodwill derived from using the Trademarks or any part thereof, shall inure exclusively to the benefit of the Company. All Trademarks, domain name, trade dress including the look, feel and design of the Website, interfaces, etc., and the selection and arrangements thereof, is the property of the Company, unless otherwise indicated. All this is protected under copyright, trademark and other applicable intellectual property laws and may not be used by You, except as permitted by the Company. The Website is operated by and is the sole property of the Company. Any and all material on the Website is protected by patents, copyrights, trademarks, and other intellectual property rights that are owned by the Company or by other parties that have licensed such material to the Company. Modification of the materials on the Website or use of the Website, Services or other materials for any purpose other than for the purpose as agreed to between the parties is a violation of the said patents, copyrights, trademarks and other intellectual proprietary rights, and is expressly prohibited.

6. Disclaimer of Warranties

   TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS AND CONTENT ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The information, software, contents, products and services included in or available through our Website may include inaccuracies, typographical errors and pricing errors. We assume no responsibility for any error, omission, interruption, deletion, corruption, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any User communication or any content provided through the Website. The Company is not responsible for any problems or technical malfunction of any telephone network or lines, electronic networks, computer online systems, servers or providers, computer equipment, software, failure of any email or players due to technical problems or traffic congestion on the Internet or on any of the Services or combination thereof, including any injury or damage to Users or to any User’s computer related to or resulting from participation or downloading materials in connection with the Website or the Services. Under no circumstances shall the Company be responsible for any loss or damage resulting from use of the Website or the Services, or from the conduct of any Users of the Website or the Services, whether online or offline. The Services are provided “as-is” and as available and the Company makes no representations or warranties of any kind as to the Website, the Services or the content thereof, including without limitation, as to availability of the Website and/ or Services for access and use. In particular, the Company expressly disclaims all warranties of fitness for a particular purpose, accuracy, completeness or non-infringement. We cannot guarantee and do not promise any specific results from use of the Website and the Services.

7. Indemnification

   You agree to defend, indemnify and hold harmless the Company, Our officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) Your use of and access to the Website; (ii) Your violation of any term of these Terms of Use or any other Company policy; (iii) Your violation of any third party right, including without limitation any intellectual property right or privacy right; (iv) or as a result of any infringing, threatening, libelous, obscene, harassing or offensive material uploaded / transmitted by You on the Website.

8. Limitation of Liability

   To the fullest extent permitted by applicable law, the Company shall not be liable for any direct, indirect, incidental, special, punitive or consequential damages, or lost profits resulting from Your access to or use of the Website or Service, whether based on breach of contract, breach of warranty, tort (including negligence), or any other legal theory. This includes Your inability to access or use (including due to modification, suspension, blocking, discontinuance, cancellation, or termination of the Website or any part thereof) the Website. These limitations apply to any matter related to the Website, third party Internet sites, programs or conduct, viruses or other disabling features, incompatibility between the Website and other services, software, or hardware, and any delay or failure in initiating, conducting, or completing any transmission or transaction in connection with the Website in an accurate or timely manner. These limitations also apply even if this remedy does not fully compensate You for any losses, or fails its essential purpose; or even if the Company knew or should have known about the possibility of the damages. Without limiting the foregoing, under no circumstances shall the Company be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, pandemics and epidemics, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

9. Refund Policy

   In the event the Company is erroneously in receipt of an amount that exceeds the amount due by a User, the Company may retain such amount and adjust it against additional installment or payment towards Your loan account. In the event, the User seeks a refund of such excess amount erroneously paid, the Company shall refund the same to the original method of payment or any other source as directed by the User. Upon the Company’s written acknowledgement to You, the Company shall commence the refund process of any excess amount within 7 (seven) business days.

10. Third Party Websites

    You understand and accept that the Company is not responsible for the availability of content, or other services on third-party sites linked from the Website. You are aware that the access of hyperlinks to other internet websites are at your own risk, and the content, accuracy, opinions expressed, and other links provided by these websites are not verified, monitored or endorsed by the Company in any way. The Company does not make any warranties, and expressly disclaims all warranties, express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or products that are available or advertised or sold through these third-party websites.

11. Choice of Law and Jurisdiction

    This Agreement shall be construed in accordance with the applicable laws of India. The Courts at Delhi shall have exclusive jurisdiction in any proceedings arising out of this Terms of Use.

12. Severability

    If any term, provision, covenant or restriction of these Terms of Use is held by a court of competent jurisdiction to be invalid, void or unenforceable, the remainder of the terms, provisions, covenants and restrictions of these Terms of Use shall remain in full force and effect and shall in no way be affected, impaired or invalidated

13. No Waiver

    The rights and remedies available under this Terms of Use may be exercised as often as necessary and are cumulative and not exclusive of rights or remedies provided by law. It may be waived only in writing. Delay in exercising or non-exercise of any such right or remedy does not constitute a waiver of that right or remedy, or any other right or remedy.

14. General

    You cannot assign or otherwise transfer the Terms of Use, or any right granted hereunder to any third party. These Terms of Use comprise the full and complete agreement between You and the Company with respect to the use of the Services and supersedes and cancels all prior communications, understandings and agreements between You and the Company, whether written or oral, expressed or implied with respect thereto.

Prisha Web Ventures Private Limited (hereinafter referred to as “Company”, “We”, “Us” or “Our”) owns, operates and maintains the website [www.ezpocket.in] as well as a mobile application through which the Company provides credit and linked products and services(“Services”) to its clients (hereinafter referred to as “Client”, “You” or “Your”). In the course of using this Website, completing online application forms and questionnaires, or availing any of the Company’s products or Services, the Company may become privy to certain of Your Personal Information. We value the trust You repose in Us and therefore, follow the highest standards of privacy to protect the information shared by You with Us.
This Privacy Policy (“Privacy Policy”) governs the use of Personal Information (as defined below) shared with or collected by the Company from its Clients.This Privacy Policy is subject to change from time to time without any written notice to You. Please review the Privacy Policy from time to time to be updated with the latest changes and modifications.
On browsing or use of the Website, You consent to the terms of this Privacy Policy and agree to the use of Your Personal Information in the manner provided under this Privacy Policy. If You do not agree with the terms contained herein, You are advised not to use/browse the Website. However, You are requested to note that in the absence of an acceptance of the Privacy Policy, We will not be able to provide Our Services to You.
All capitalized terms that have not been specifically defined herein shall have the same meaning as provided under the Terms of Use.
This Privacy Policy should be read in conjunction and together with the Terms of Use available on [www.ezpocket.in].

1. Collection and Use of Personal Information

   ‘Personal Information’,‘Information’ and ‘Sensitive Personal Data or Information’ shall have the meaning ascribed to it under the Information Technology Act, 2000 and Information Technology (Reasonable Security Practises and Procedures and Sensitive Personal Data or Information) Rules, 2011. Generic Information/Financial Information We collect Your Personal Information when You use or browse the Website and at the time of Your registration with the Website. We collect Information that You provide to Us while filling in any online forms, applications or surveys. We, further, collect Information from You during the performance of Services for You. In cases where a Client takes a loan through the Website or related application (“Platform”), the loan repayment history is shared with the lender, who is mandated to further share it with the centralised credit bureau. We collect Information with respect to Your name, mobile number, pan number email, address, IP Address, zip code, age, gender, occupation etc in order to perform the Services. In cases, where loans are disbursed to the individuals through the Platform, we collect information pertaining to your bank account to facilitate the loan repayment. In select cases, where the NACH mandate based mode of loan repayment is deemed not feasible, the individuals will be redirected to a payment gateway. We collect Information in order to provide You a safe, efficient, smooth and customized experience. This allows Us to provide Services and features that most likely meet Your needs, and to customize Our Services to make Your experience safer and easier. Except as provided herein, We do not solicit any Sensitive Information about You. However, if You share such information with Us voluntarily, We will not be liable for any actions, claims, costs, expenses or other liabilities that may arise as a consequence of any unauthorized use or misuse of such information. Demographic Information We may track certain Information about You based upon Your behaviour on the Website, Services purchased by You or the nature of business You are engaged in. We use this Information for conducting internal research on Our Clients' demographics, interests, and behaviour to better understand, protect and serve Our Clients. This Information is compiled and analysed on an aggregated basis. This Information may include the website that You just visited (including third party websites), which website You next visit, Your computer browser information etc. We may also collect Your Information to track user behaviour and preferences for internal analytics and research. We may also use Your Information to perform analytics, analyse traffic patterns, and conduct customer research to determine Your interests andidentifyYour preferences that generate sales. If You choose to post messages on Our message boards, chat rooms or other message areas or leave feedback, We will collect that Information You provide to Us. We retain this Information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law. If You send Us personal correspondence, such as emails or letters, or if other Clients or third parties send Us correspondence about Your activities or postings on the Website, We may collect and store such Information. We identify and use Your IP address to help diagnose problems with Our server, and to administer the Services. Your IP address is also used to help identify You and to gather broad demographic information. We will occasionally ask You to complete optional online surveys. These surveys may ask You for contact information and demographic information (like zip code, age, or income level). We use this data for the purposes of refining our credit assessment services as well as to improve Your experience for provision of Services. Cookie We use data collection devices such as “cookies” on certain pages of the Website to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. “Cookies” are small files placed on Your hard drive that assist Us in providing Our Services. We also use cookies to allow You to enter your password less frequently during a session. Cookies can also help Us provide information that is targeted to Your interests. We also use cookies for debugging, and for analytics for various purposes including but not limited to identifying the usage of the web based dashboard provided by Us. Most cookies are “session cookies,” meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline Our cookies if Your browser permits, although in that case You may not be able to use certain features on the Website and You may be required to re-enter Your password more frequently during a session. Additionally, You may encounter “cookies” or other similar devices on certain pages of the Website that are placed by third parties. We do not control the use of cookies by third parties.

2. Disclosure of Personal Information with Third Parties

   We may disclose Personal Information to affiliates and group companies. We may also disclose Your Personal Information with third parties strictly on confidential terms. We may disclose such Information to third parties in order to provide You with customer support facilities, to comply with Our legal obligations, to enforce Our Terms of Use, to facilitate Our marketing and advertising activities, or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to the Website and to avail services from third parties in order to improve and manage Our sales and for data analysis and market research. In the event of any requirement by court order, government or quasi-government agency to disclose Your Personal Information, We will disclose information as may be legally required. We may also disclose Your Personal Information if We, in the good faith believe that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process. In the event the Company is merged with or acquired by another company or in case of re-organization or re-structuring of business, We and Our affiliates will share Your Personal Information, wholly or in part, with the other business entities involved in such activity.

3. Third Party Sites

   The Website may provide links to various third party websites for the purposes of fulfilling the requirements of a streamlined application process for You. The data that passes through the third parties will be governed by the privacy policy and security certifications of such third party website. Use of Your information collected by such third party website will be governed by the privacy policy of such third party website. The Company has no control over the operation of such third party websites and You may share information with such third party at Your sole risk.The Company shall not be liable to You for any misappropriation of Your Personal Information by such third party.

4. Promotional and Marketing Activities

   We will send communications to You at regular intervals to notify You of, among other things, various offers, and exclusive deals etc., that may be available or new services that You may be interest to subscribe etc. By accessing the Website, You expressly consent to receiving such communications from us at regular intervals. However, if You do not wish to receive any communication from us, You may request to opt-out by writing to us at [info@ezpocket.in]. Once, We are in receipt of Your request, We will cease sending promotional messages to you.

5. Security and Compliance with Laws

   We strive to protect Your Personal Information against unauthorized disclosure, misuse, unlawful use, modification, loss or destruction. We take all reasonable measuresand precautions, as per standard industry practises, to keep Your Personal Information confidential. We ensure compliance with all applicable laws including but not limited to Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011. No data transmission over the internet is fully secure, and thereforethe Company cannot ensure or warrant the security of any Information you submit to us. Further, the Company does not guarantee in any way, the security of any Personal Information that you transmit or share on the Website; and You do so at Your own risk. If any security breach comes to the knowledge of the Company, We may take all steps required to protect misuse of such Personal Information and may attempt to notify You electronically so that You maypursue appropriate protective measures.

6. Amendments

   We reserve the right, at Our sole discretion, to modify the terms of this Privacy Policy from time to time in order to ensure compliance with applicable laws (“Updated Terms”). The Updated Terms shall be effective immediately and shall supersede these the terms of this Privacy Policy. We will not be under an obligation to notify You of any changes to this Privacy Policy. You shall be solely responsible for reviewing the Privacy Policy from time to time for any modifications. By continuing to use of the Website and Services after the Updated Terms have been published, You affirm Your agreement to the Updated Terms.

7. Governing Law

   The Company and You shall be governed in accordance with the laws prevailing in India and in the event of any disputes, the courts at Delhi shall have the exclusive jurisdiction to settle the disputes between the parties.

8. Contact Us

   If You require any information or clarification regarding the use of Your Personal Information or this Privacy Policy, You can contact us at [info@ezpocket.in]. If You have grievance with respect to use of Your Personal Information, please write to Mr./ Ms. [Anmol Jain] at [info@ezpocket.in]. The Company is a company based in India. By browsing/using the Website, You hereby acknowledge that the Company is not responsible or liable in any manner to comply with any local laws of Your territory except India with respect to the Website