The website www.Izzpay.com and mobile application (collectively the “Platform”) and the information, services and other materials contained therein are provided and operated by Entritt Solutions Private Limited (referred to as “we”, “us” or “Izzpay”). Izzpay offers online admissions for school, college, university, training institutes or for any educational institutions having online, offline courses curated and specially designed education and industry relevant diploma, trainings, exams related information and certification
Program/Courses/Courses. Each Program/Course may have a separate set of terms dealing with refunds, deferrals, payments etc. governing such Program/Course and our corporate clients may have executed separate written agreements with us, which, in the event of a conflict, will supersede these Terms to the extent of the conflicting provisions. These Terms shall apply to Izzpay hosted mobile apps, WhatsApp groups, Facebook groups, Instagram pages, Facebook pages, email/SMS/phone communications and other social media forums hosted by Izzpay which shall be deemed to be part of the ‘Platform’ by reference. You acknowledge that certain parts of the Platform, as mentioned above, are provided by third party service providers, and you agree to abide by their terms and conditions. Izzpay shall not be responsible for any disruption of services caused by such third-party service providers. Please note that the use of the Platform and Program/Courses/Courses constitutes an unconditional agreement to follow and be bound by the Terms. Although you may “bookmark” a particular portion of the Platform and thereby bypass these Terms, your use of the Platform still binds you to these Terms. We may change these Terms from time to time without prior notice. You should review this page regularly. Your continued use of the Platform and Program/Courses/Courses after changes have been made will be taken to indicate that you have read and accepted those changes. You should not use the Platform or Program/Courses/Courses if you are not happy with any changes to these Terms. Izzpay makes no representations that the Platform operates (or are legally permitted to operate) in all geographic areas, or that the Platform, or information, services or products offered through the Platform are appropriate or available for use in other locations. Accessing the Platform from territories where the Platform, or any content or functionality of the Platform or portions thereof is illegal, is expressly prohibited. If you choose to access the Platform, you agree and acknowledge that you do so on your own initiative and at your own risk and that you are solely responsible for compliance with all applicable laws.
Whether you have enrolled for a Program/Course or simply browsing the Platform, once you have accessed the Platform or Program/Courses/Courses, you shall be considered a ‘user’ for the purpose of these Terms. You are responsible for all your activities in connection with the use of the Platform and Program/Courses/Courses. You hereby agree to fully comply with all applicable local, provincial, state, national and foreign laws, treaties and regulations in connection with such use. You shall not resort to any unethical practices while using the Platform. Without limitation, you will not post or transmit, or cause to be posted or transmitted, any communication or solicitation or other “phishing”, “pharming” or “whaling” message designed or intended to obtain password, account, personal information, confidential information or private information from any user of the Platform or any other third party whatsoever. However, if any such event does take place, Izzpay shall not be liable for any loss in data or if the user’s device, computer or any other property is compromised in any manner. You acknowledge and agree that Izzpay has the right to report any and all suspicious or illegal activity to the appropriate legal or police authorities without notice to you. During your use of the Platform and Program/Courses/Courses, you will not:
Additional requirements apply to Student/Applicants. As a Student/Applicant, in addition to the points above, you agree that you are registering with the intent to complete the assignments, if any, that are relevant and applicable to the Platform or Program/Courses/Courses for which you have enrolled.
Unless otherwise expressly agreed in writing by Izzpay, full payment for participation in a Program/Course is required at the time of registration. In case of Program/Courses/Courses that include a trial window/grace period / refund time duration, such trial window/grace period / refund time duration shall be made available only after full payment. During the trial window/grace period / refund time duration, upon a request of the Student/Applicant, and to the satisfaction of Izzpay, Izzpay may choose to refund the Program/Course Fees paid, subject to such charges as may be decided from time to time. Once the trial window/grace period / refund time duration has concluded, there will be no refund allowed for any reason whatsoever. It is the sole responsibility of the user enrolling for a Program/Course to check the accuracy of, and evaluate the suitability and relevance of, the Program/Course elected. The enrolment to a Program/Course is non-transferable. To make payment for any Program/Course or to purchase any services or products offered by Izzpay through the Platform, you must have internet access and a current valid accepted payment method as indicated during sign-up (“Payment Method”). Izzpay does not store any of your credit card information or such other information restricted by RBI for processing payment, and has partnered with payment gateways and NBFC or Loan Issuing Authority( third-party payment provider) for the payment towards the services. By using a third-party payment provider, you agree to abide by the terms of such payment provider. You agree that in case Izzpay’s third-party payment provider stores any such information, Izzpay will not be responsible for such storage, and it will be solely at your discretion to allow the third party to store such information. Any loss of such information or any loss incurred by you due to usage of such information will be solely a loss incurred by you, and Izzpay is in no ways liable for any such losses, and is neither responsible to reimburse / make good such losses in any manner whatsoever. You also agree to pay the applicable fees for the payments made through the Platform. Failure to pay may result in withdrawal of your access to a Program/Course. Depending on where you transact with us, the type of payment method used and where your payment method was issued, your transaction with us may be subject to foreign exchange fees or exchange rates. Izzpay does not support all payment methods, currencies or locations for payment. All applicable taxes are calculated based on the billing information you provide us at the time of enrollment/purchase. We do not provide refunds for lack of usage or dissatisfaction. If you have subscribed for a free trial, the free trial period will last for the period of time specified during your sign-up. Free trials may not be combined with certain other offers. If you have subscribed to a particular paid service or product within the last six (6) months, or if your Payment Method, physical address or email address has been associated with an account for that paid service, you are not eligible to receive a free trial for that service or product. If you begin your subscription with a free trial, you may be ineligible for certain features of a product or service during your free trial period.
Izzpay reserves the right to cancel or reschedule any Program/Course or live lectures/webinars, or to alter, modify or rearrange the schedule of topics, as well as the point value or weight of assignments, tests, quizzes, exams, projects and other such evaluations of progress. You also understand that Izzpay, at its sole discretion, may limit, suspend, or terminate your use of the Platform or Program/Courses/Courses and/or all Izzpay-provided services related to the Program/Courses/Courses, such as access to Izzpay associated partners , educational institutions or support services, evaluation services, or certifications. You also understand that Izzpay may modify or discontinue all services related to its Program/Courses/Courses/fee at its sole discretion. You agree that Izzpay shall not be liable to you or to any third party for any such modification, suspension or discontinuance. Nothing in these Terms shall be construed to obligate Izzpay to maintain and support the Platform or Program/Courses/Courses or any part or portion thereof or any associated services. If you no longer wish to use any Program/Course, you may terminate your participation by giving notice to Izzpay and to associated Educational Institution or associated partner where you have opted the course/program. Refund policy is subject to Educational Institution or associated partner refund policies . Nothing in these Terms shall be construed to obligate Izzpay to maintain and support the Platforms, Program/Courses/Courses or any part or portion thereof. Participants of Izzpay online live lectures and webinars shall be provided access to such classes via email. You agree not to share such access with any third party. If you are unable to attend an online live lecture/webinar, please provide Izzpay with prior intimation. You shall be exclusively responsible for obtaining and maintaining any equipment or ancillary services needed to connect to, access, receive or use the Platform, including, without limitation, hardware devices, software, and other internet, wireless, broadband, phone or other mobile communication device connection services. You shall be exclusively responsible for ensuring that such equipment or ancillary services are compatible with the Platform and shall be responsible for all charges incurred in connection with use of the Platform and Program/Course in connection with all such equipment and ancillary services.
Izzpay is NOT a University, NOT an educational institution , Not a Payment gateway, Not a Insurance company nor NBFC, but a service provider through its technology platform, offering Program/Courses/Courses / information/ payment gateway services , Instant Study Loan, Secure Study membership in consultation with Indian and International universities, educational institutions, governmental authorities, NGO’s, corporates etc. (each an “Educational Partner” “ educational institution” “ associate partner”). Admission to the degree/diploma Program/Courses/Courses of an Educational Partner is separate from being accepted into and/or taking one or more Program/Courses/Courses. You agree and acknowledge that nothing in these Terms or otherwise with respect to the use of the Platform or any Program/Course (a) enrolls or registers you in an Educational Partner, or any other school, division, institute or Program/Course of or associated with an Educational Partner, (b) allows you to access or use the resources or receive any benefits or privileges of any Educational Partner, beyond the Program/Courses/Courses. Izzpay may offer a credential or other acknowledgment for participants who have satisfactorily demonstrated mastery of the Program/Course material. The decision to award any such credential acknowledgment to a given participant will be solely within the discretion of Izzpay. Izzpay may choose not to offer any credential or other acknowledgment for some Program/Courses/Courses. It may decide at its sole discretion whether to provide a record concerning a participant’s performance in a Program/Course. The format of any credential or other acknowledgement, and of any performance, provided by Izzpay relating to Program/Courses/Courses will be determined by Izzpay in its sole discretion and may vary from Program/Course to Program/Course. You may be awarded a certificate of accomplishment upon successful completion of a Program/Course (“Program/Course Certificate”), at the discretion of Izzpay and its Educational Partners, and you acknowledge that any such Program/Course Certificate awarded may not be affiliated with any Educational Partner, and may not stand in the place of a course taken with an Educational Partner or convey academic credit or certification for any Educational Partner. You will not receive academic credit from Izzpay or any other Educational Partner for taking a Program/Course. If you are taking a Program/Course for academic credit or certification as a Student/Applicant of, or otherwise through, an Educational Partner, any such credit or certification may only be awarded directly by the Educational Partner based on its own policies and procedures, and you may be required by that Educational Partner to be registered or enrolled with the Educational Partner in order to receive credit or certification; and, in any event, Izzpay will not have any authority or responsibility with respect to any award of academic credit or certification provided by an Educational Partner for a Program/Course. You acknowledge and agree that any Program/Course affiliated with an Educational Partner may be subject to terms, policies and procedures of the applicable Educational Partner in addition to Izzpay’s Terms. Without limiting the foregoing, if you are a Student/Applicant registered or enrolled at, or are otherwise attending, an Educational Partner and are taking a Program/Course for credit or certification through that Educational Partner, you acknowledge and agree that (a) the Educational Partner may have its own terms, policies or procedures regarding your eligibility to participate in the Program/Course, your participation in the Program/Course, the requirements or prerequisites for receiving credit or certification for the Program/Course, and/or your educational or Student/Applicant records as they may relate to your participation and performance in the Program/Course, and (b) your educational or Student/Applicant records are maintained by the Educational Partner, including for purposes of assigning credit or certification, and not Izzpay.
Izzpay offers following services through its technology platform.
Izzpay offers technology platform to assist the applicants/Parents/User in getting Instant Study Loan upto 4, 00,000 from Loan Issuing Authority/NBFC to students/Applicants with minimum documentation–(Aadhar card and pan card of Parent/user) and facilitates the loan fee disbursement to Educational institution or applicant after deduction of processing fee i.e. upto 15% of loan amount. Student/Parent/User/Applicants will pay back the EMI’s to loan issuing Partner/NBFC without any interest in Easy EMI’s in next 9 months.
Step to avail:-
Student/Parent need to register on Izzpay register form https://www.Izzpay.com/login with his/her Mail Id, Mobile number, other details like Aadhar card and pan card. Parent/Student /User who don’t have pan card or negative Cibil score will not be able to use the loan services through the Izzpay Platform. Student/Parent/User needs to select the institution and to select the course for which they want to pay fee or to opt services of Izzpay for Instant Study Loan & Accommodation Loan. If Student /Parent User Select the Apply Loan then we will redirect it to our associated Loan Issuing Authority/NBFC. Student/Parent/User need to sign up to provide the details like Email Id, Mobile number, Aadhar Card Number, Pan Card to avail the Loan/Credit Limit. Loan Issuing Authority/NBFC will seek the access permission of their bank statement verification for the approval. Once user will do they will approve the loan/credit limit within 4 hours and maximum 24 hours. Then Student/Parent need to come back on the Course fee page of Izzpay and Select the fee amount payment through Apply Loan and click the payment option . On Successful Payment Izzpay will send the notification to Student/Parent/User on registered mail id on Izzpay for the payment details made . Same they can see into their User Dashboard of Izzpay in the Payment History.Settlement of loan fee will be done by Loan Disbursing authority within next 48 hours.Loan disbursing authority will settle the Loan Settlement Amount into Institution Account after deducting the Loan Processing Fee.
If Student/Parent/ User make the Course fee payment of 1, 00,000 then settlement into institution or into applicant account will be 85,000 after deducting the Loan Processing Fee (15% of Loan Amount). Student/Parent/User need to pay back this loan amount of Rs 1,00,000 in easy EMI’s in next 9 months without any interest.
Instant Study Loan -(Standard EMI)- Izzpay offers technology platform to assist the applicants/Parents/User in getting Instant Study Loan upto 4, 00,000 from Loan Issuing Authority/NBFC to students/Applicants with minimum documentation–(Aadhar card and pan card of Parent/user) and facilitates the loan fee disbursement to Educational institution or applicant after deduction of processing fee i.e. upto 5% of loan amount + standard rate of interest up to 18%.Student/Parent/User/Applicants will pay back the EMI’s to loan issuing Partner/NBFC with interest in Easy EMI’s.
Izzpay through its technology platform offers Secure Study Membership to Students who take admission into its associated Institutions. Secure membership starts from INR 999 to INR 1,999 Yearly . Secure Study membership help students to get their study continue in case of any financial crisis or any mishap in the family with earning member. Student will also get the health coverage * during the hospitalization of above 24 hours and can avail once in a year of subscription. Student/Parent will also get discounts on making online fee payment or any other payment on Izzpay Platform like accommodation booking, food, travel & lifestyle.
Note: - (Insurance Plans. Premium, claim settlements and Subscription is subject to the term & conditions set up by Izzpay and insurance company).
Step to avail:-Student/User can avail the Subscription by simply applying it online on Izzpay during admission or after admission. It is available for both existing and New Students into Izzpay associated Institute.
Izzpay through its technology platform offers Cash back to its User - Student who take admission through loan into Izzpay associated Institutions or who have opted the secure study membership. This cash back they can use to avail fee discount or fee payment or another offer on Izzpay or of its associates.
Step to avail:-Student/User can avail the cash back while taking the new admission online through Izzpay technology Platform into its Associated Institutions. Cashback is subject to fee amount paid through Izzpay technology platform and maximum will be upto 10% of the fee Paid.
Loan Approval depends on the several factors and consideration, subject to credit limit approval, which are given as below: - One must be Salaried Class Employee with Minimum 20,000* salary per month for the loan approval of upto 40,000*. For Person with Salaries /income range from 35,000* to 40,000*per month, loan approval will be upto 1, 00,000*. For Age with minimum 21 to 35 years and he/she may or may not have credit score history can get loan approval upto INR 1,00,000* and it includes the other credit eligibility check set by loan disbursing partner /lender. For Age between 35 to above he or she must have credit score history. But if they don’t have then in these exception cases loan approval will take upto 24 hours subject to credit eligibility check Other credit eligibility check set by loan disbursing partner /lender. For Business Class Parents/User loan approval will take upto 24 hours if they must have credit score history and else loan will not approve.
This credit information terms and conditions (herein after referred to as “izzpay credit information terms and conditions”) please read the above mentioned terms and conditions and click on “accept” or “proceed” or “submit” followed by the link below to complete the authorisation process for sharing of your credit information by credit bureaus with izzpay in its capacity as your authorised representative. By continuing you agree and accept the disclaimers and terms and conditions set out herein.
DefinitionsCapitalised 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 Pune.
"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 there under.
“Credit Information Report” means the credit information reports which shall be generated by the Credit Bureaus by using their tools, algorithms and devices including, but not limited to, the credit history, the credit behaviour of the Individual Consumer or any other information provided in such credit information report which is construed as “credit information” as defined under the credit information laws, as may be provided at the sole discretion of the Credit Bureaus;
“Credit Score” means the score which shall be set out in the Credit Information Report and the Credit Data Analysis Deliverables including such credit scores constituting ‘credit scoring’ as defined in the credit information laws, as may be provided at the sole discretion of the Credit Bureaus, by using theirtools, algorithms and devices;
“Credit Data Analysis Deliverables” means the Credit Score, inferences, rule sets in relation to the Credit Information of the Individual Consumer computed by the Credit Bureaus by using their tools, algorithms and devices including, but not limited to, the credit history, the credit behaviour of the Individual Consumer and any other information provided in such Credit Information Report and sent to the IZZPAY Platform, and, the Individual Consumer’s e-mail, with appropriate aggregations;
“Credit Bureaus”or such otherare agencies appointed by IZZPAY from time to time, which has obtained a certificate of from Reserve Bank of India (RBI) as required under CICRA.
“IZZPAY Platform” means the IZZPAY website located at IZZPAY.com, and all associated sites linked to IZZPAY.com, or the IZZPAY mobile application or any similar platform;
You agree that by clicking on “Proceed” or “Submit” and by providing your details on IZZPAY Platform you have requested for availing the Service and have provided your unconditional and unequivocal consent for appointing ENTRITT SOLUTIONS PRIVATE LIMITED(“IZZPAY”) as your authorized representative for sharing your details provided by you on the IZZPAY Platform with the Credit Bureaus and obtaining your Credit Information from the Credit Bureaus for Permitted Purpose, as more particularly captured in these Credit Information Terms and Conditions (“Authorization”).
By appointing IZZPAY as your authorized representative you hereby unequivocally and unconditionally authorize IZZPAY to instruct the Credit Bureaus, their affiliates and suppliers, to obtain, receive and compile your Credit Information on your behalf and share the same with IZZPAY for the Permitted Purposes (hereinafter referred to as “Services”). You agree and accept that this service is being provided to help you better understand your Credit Information and to provide you with targeted/personalized offers for products and services from IZZPAY’s business partners. You hereby expressly grant unequivocal and unconditional consent to, and direct, the Credit Bureaus to deliver and/or transfer your Credit Information to IZZPAY on your behalf.
You hereby authorize IZZPAY to do all of the following in connection with providing you the Services: (i) verify your identity and share with the Credit Bureaus certain personal identifiable information about you; (ii) request and receive your Credit Information from the Credit Bureaus , including but not limited to a copy of your Credit Information Report, your Credit Score at any time or multiple times, notwithstanding no Request has been raised by you for the same, during a period of 05 (five) years starting from when these Credit Information Terms and Conditions are accepted by you, or, till your account with IZZPAY is de-activated either by yourself or by IZZPAY, or, till the time you make a request with IZZPAY to opt out of this Service, whichever is earlier; (iii) retain a copy of your Credit Information, along with the other information you have given IZZPAY access to under this Authorization, for use in accordance with these Credit Information Terms and Conditions. In this context, you agree that should you express your interest to avail any personalized offers, IZZPAY shall contact you through message, SMS or voice and the same shall not be regarded as unsolicited commercial communication. You further agree that IZZPAY may use and analyse your Credit Information and other details provided by you on the IZZPAY Platform to provide you with customized recommendations, general information and personalized offers of the products and services of IZZPAY and/or its business partners. IZZPAY may send you such offers via email, text or online display or other means of delivery in IZZPAY’s reasonable sole discretion.
You agree and hereby give your specific consent for the Authorization and the consent provided by you under these Credit Information Terms and Conditions to be shared by IZZPAY with The Credit Bureaus. You agree and acknowledge that the Services shall be provided to you in the manner consistent with the terms and conditions of the arrangement between IZZPAY and The Credit Bureaus. You agree that you shall be required to enter your details as requested by IZZPAY on the IZZPAY Platform at the time of Authorization and every time when you make a request for your Credit Information. You provide your unconditional and unequivocal consent to IZZPAY to share these details provided by you with The Credit Bureaus, for the purpose of providing you with the Services. You agree that your Credit Information may be requested by you on the IZZPAY Platform any time for a period of 05 (five) years starting from when these Credit Information Terms and Conditions are accepted by you, or, till your account with IZZPAY or this Service is de-activated either by IZZPAY or by yourself, or, till the time you make are request with IZZPAY to opt out of this Service, whichever is earlier. On completion of 05 (five) years, a written communication shall be sent to your registered email id and you shall have the option to opt-out/unsubscribe from this Service. You hereby agree that your Authorization shall be contiguous with your account with IZZPAY, which will enable IZZPAY to provide you with your Credit Information from time to time and the consent provided by you shall be valid as long as you have an active account with IZZPAY.
To avail the Service, you must be having a valid account with IZZPAY, or, must create a valid account with IZZPAY. By registering with IZZPAY, you agree and certify that:
Through the Services, you may apply for the Loan, subject to the fulfillment of the eligibility criteria laid down in the Mobile App. You understand that the Company has been appointed by LENDER to collect, authenticate, track your location, verify and confirm the User Data, documents and details as may be required by LENDER to sanction the Loan. LENDER authorizes the Company to collect and store the User Data through the mobile application form ("Mobile Application Form") available on the Platform. In order to avail the Services, you are required to register with the Company by logging in through your Third Party Platforms ("User Account"). During the Application process, you shall be required to share and upload the User Data on the Mobile Application Form. User Data shall include personal information including but not limited to your name, e-mail address, gender, date of birth, mobile number, passwords, photograph, mobile phone information including contact numbers, SMS and browsing history, data and login-in credentials of Third Party Platforms, financial information such as bank documents, salary slips, bank statements, PAN card, bank account no., data from Credit Information Companies, data required for Know Your Customer compliances, requirement and other relevant details ("Personal Information"). You agree that the Personal Information shall always be accurate, correct and complete. As part of the Services, you authorize us to import your details and Personal Information dispersed over Third Party Platforms. You understand and acknowledge that we may periodically request for updates on such Personal Information and we may receive such updated information from Third Party Platforms.
All transactions undertaken on your behalf by the Company will be on the basis of your express instructions/consent and will be strictly on a non-discretionary basis. You also authorize the Company to get your credit information report from one or more Credit Information Companies as decided by the Company from time to time. Once you verify and upload the User Data and/or other documents and details in the Mobile Application Form, the Company shall process the same. Upon the completion of the document verification by the Company, the Loan may be sanctioned by LENDER to you, subject to fitting eligibility criteria and other conditions set forth by LENDER for sanctioning the Loan. Thereafter, you are required to fill and upload the ECS/NACH mandate form/Cheque or any other document as may be required by LENDER . The Company may collect the physical documents including signatures on those documents required for sanctioning and processing the Loan. Upon the collection of documents by the Company, LENDER shall disburse the Loan subject to the terms and conditions of the Loan Agreement.
The sanctioned Loan shall be disbursed as per the mode provided in the Mobile Application Form. You are required to repay the Outstanding Amount(s) to LENDER, on the respective due date(s) mentioned in the Mobile Application Form.
You understand and acknowledge that the Company reserves the right to track your location ("Track") during the provision of Services, and also in the event that you stop, cease, discontinue to use or avail the Services, through deletion or uninstallation of Mobile App or otherwise, till the event that your obligations to pay the Outstanding Amount(s) to LENDER exist. Deletion, uninstallation, discontinuation of our Services, shall not release you from the responsibility, obligation and liability to repay the Outstanding Amount(s).
You understand and acknowledge that, you are solely responsible for the capability of the electronic devices and the internet connection, you chose to run the Platform. The Platform’s operation or the Services on your electronic device is subject to availability of hardware, software specifications, internet connection and other features and specifications, required from time to time.
The User Data provided during the registration is stored by the Company for your convenience. You are not required to log-in to your User Account, every time, to use or access the Platform. You understand and acknowledge that by accepting these Terms, you authorize us to Track, fetch and use the User Data, including but not limited to your Personal Information, for the purpose of authentication and any updates with regards to your credentials.
You agree not to:
You acknowledge that the Company makes no representations or warranties about the material, data, and information, such as data files, text, facts and figures, computer software, code, audio files or other sounds, photographs, videos, or other images (collectively, the "Content") which you may have access to as part of the Services, or through your use of the Platform. Under no circumstances, shall the Company be liable in any way for any Content, including, but not limited to any infringing Content, any errors or omissions in Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, transmitted, linked from, or otherwise accessible through or made available via the Platform. The Content on the Platform should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell investments, securities or any other instrument or financial products / schemes of the Company (including its affiliates), unless expressly covered in these Terms.
You understand, acknowledge and agree that the Company is the sole owner of all rights, title and interest, including any and all intellectual property rights in the Content, Platform, Services, logos, trade names, brand names, designs and any necessary software used in connection with the Platform.
There may be proprietary logos, service marks and trademarks found on the Platform whether owned/used by the Company or otherwise. By displaying them on the Platform, the Company is not granting you any license to utilize the proprietary logos, service marks, or trademarks. Any unauthorized use of the same may violate applicable intellectual property laws.
You understand and acknowledge that the Platform is owned by the Company. Nothing under these Terms shall be deemed to be a transfer in ownership, rights, title, from the Company to you or any third party, in the Platform. You are entitled to avail the Services offered by the Company during the validity of your registration with the Company.
You may get access to chat rooms, blogs, feedbacks, reviews and other features ("Ancillary Services") that are/may be offered from time to time on the Platform and may be operated by us or by a third party on our behalf. You shall not (nor cause any third party to) use these Ancillary Services to perform any illegal activities (including without limitation defaming, abusing, harassing, stalking, threatening, promoting racism, or otherwise violating the legal rights, such as rights of privacy, of others) or immoral activities, falsely stating or otherwise misrepresenting your affiliation with a person or entity. Additionally, the Platform may contain advice/opinions and statements of various professionals/ experts/ analysts, etc. the Company does not endorse the accuracy, reliability of any such advices/opinions/ and statements. You may rely on these, at your sole risk and cost. You shall be responsible for independently verifying and evaluating the accuracy, completeness, reliability and usefulness of any opinions, services, statements or other information provided on the Platform. All information or details provided on the Platform shall not be interpreted or relied upon as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters. The Company may, at its discretion, update, edit, alter and/or remove any information in whole or in part that may be available on the Platform and shall not be responsible or liable for any subsequent action or claim, resulting in any loss, damage and or liability. Nothing contained herein is to be construed as a recommendation to use any product or process, and the Company makes no representation or warranty, express or implied that, the use thereof will not infringe any patent, or otherwise.
“Loan Issuing Authority”is hereby Called as Lender who is issuing the loan i.e NBFC
“Loan Disbursing Authority”is hereby called as disburser who is transferring the loan approved amount to Institution after deducting the processing fee i.e Razorpay
“ Loan Processing Fee /Processing Fee“ Fee taken by Izzpay on the loan amount.
“ Loan Amount “is the amount which Student/Parent/user will Opts through Izzpay portal for course fee or any other payment
“Loan Disburse Amount” is the amount disbursed by the Loan Issuing authority to loan disburser
“Loan Issuing Partner” is hereby called as Izzpay.
“Loan Settlement Amount /Settlement of Loan Fee“is the Amount, which Settled into the Institution account after deducting the Izzpay Processing fee from Loan Disburse amount .
“Refund Amount “ is the amount which Loan Issuing authority will get from Institutions against the loan Settled amount by loan disburser for the User after deducting the Services charge from loan disburse amount.
“Outstanding Amount-In Refund case “ is the amount which student need to pay to Loan Issuing authority after receiving of refund amount i.e. Outstanding Amount =1% of Penalty of Loan Amount Disburse + ( Loan Amount Disburse –Refund Amount)
“EMI”Installment Which Student/user/parent need to pay to loan Issuing authority
“Content” means any and all information and data which may include but not be limited to text, software, scripts, graphics, maps, photos, sounds, music, videos, logos, offers, advertisements, interactive features and other materials. The Platform, Program/Courses/Courses and related services are owned and operated by Izzpay and its licensors. All Content or other material available on the Platform or through the Program/Courses/Courses, including but not limited to on-line/live lectures, speeches, video lessons, quizzes, presentation materials, homework assignments, Program/Courseming assignments, Program/Courses/Courses, code, and other images, text, layouts, arrangements, displays, illustrations, documents, materials, audio and video clips, HTML and files (collectively “Izzpay Content”), are the property of Izzpay and/or its affiliates or licensors and are protected by copyright, patent and/or other proprietary intellectual property rights under India and foreign law. All software used on the Platform is the property of Izzpay and is protected by Indian and international copyright laws. Izzpay logos, trademarks and service marks which may appear on the Platform and in the Program/Course (“Izzpay Marks”), are the property of Entritt Solutions Private Limited and are protected under Indian and foreign laws. All other trademarks, service marks and logos used on the Platforms, Online Courses or Program/Courses/Courses, with or without attribution, are the trademarks, service marks or logos of their respective owners. In addition, elements of the Platforms are protected by trade dress and other Indian and international intellectual property laws and may not be copied, reproduced, downloaded or distributed in any way in whole or in part without the express written consent of Izzpay. As a condition of accessing the Platforms and/or using the Program/Courses/Courses, you agree not to (a) reproduce, duplicate, copy, sell, resell or exploit for any commercial purpose any Izzpay Content or any portion thereof, other than as expressly allowed under these Terms; (b) use the Izzpay Marks or the name, trademarks, service marks, or other materials of any Educational Partner in connection with, or to transmit, any unsolicited communications or emails or for any other unauthorized purpose. Please verify all Content prior to use. In the event you come across any Content which is incorrect, infringing, offensive, indecent or objectionable, please notify us immediately at address mentioned at the bottom of this page. Additionally, from time to time, Izzpay (or its third-party service providers on behalf of Izzpay) may request users to review Izzpay Content or beta test the Platform. The works derived from such activity shall remain the sole and exclusive property of Izzpay or its third-party service providers, as applicable.
Izzpay respects third party intellectual property rights and actively supports protection of all third party intellectual property including copyrights and trademarks (“IP”). It is our policy to expeditiously respond to clear notices of alleged IP infringement. If we receive proper notification of IP infringement, our response to such notices will include removing or disabling access to material claimed to be the subject of infringing activity. Izzpay shall not be held liable for the unauthorized use of any third-party IP, and the user that carries out such unauthorized use, or infringes any IP available on the Platform shall fully indemnify and hold Izzpay harmless against any and all claims that may arise as a result of such use. If you believe that your product or other work has been misrepresented or used in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide us with the following information:
The services on the Platform are licensed, not sold. In consideration for your agreement to these Terms, Izzpay grants you a personal, non-exclusive, non-transferable, revocable license to access and use the Platform and Program/Courses/Courses, solely in accordance with the Terms. You may download or copy the portions of the Izzpay Content available on the Platform, for your own non-commercial and personal use only, provided that you maintain all copyright and other notices contained in such Izzpay Content. You may not copy, sell, re-sell, reproduce, publish, modify, transfer, retransmit, distribute, commercially exploit or create derivative works of Platforms, Program/Courses/Courses or any Izzpay Content. You may not reverse-engineer, decompile, disassemble or otherwise code for any software that may be used to operate the Platform or the Program/Courses/Courses. Notwithstanding the foregoing, certain reference documents, digital textbooks and articles may be made available to you with the permission of third parties, and use of that information is subject to certain rules and conditions, and you agree to abide by all such rules and conditions. You may not reverse-engineer, decompile, disassemble or otherwise access the source code for any software that may be used to operate the Platform or the Program/Courses/Courses. From time to time, Izzpay may include software, code, instructions, or other such information in the Izzpay Content for the Program/Courses/Courses; any such information is provided on an “as-is” basis for instructional purposes only and is subject to the ‘Disclaimer’ and ‘Limitation of Liability’ sections below and other terms herein. Any use of such information for commercial purposes is strictly prohibited. Izzpay and/or its affiliates and licensors reserve all rights not expressly granted herein to the Platforms, Izzpay Content, and Izzpay Marks. Without limiting the generality of the terms above, the following are types of uses that Izzpay expressly defines as falling outside of the definition of "non-commercial and personal use ":
The Platform may provide you with the ability to upload forum posts, chat with other users and Izzpay’s counsellors, user discussions, profile pages, and other content and media for social interaction, or certain information and materials for use with the Program/Courses/Courses, e.g., questions, hypotheticals, examples, assignments, industry projects etc. (collectively, “User Content”). Izzpay does not claim ownership of any User Content you may submit or make available for inclusion on the Platform or Program/Courses/Courses. Accordingly, subject to the license granted to Izzpay above, the user will be the sole and exclusive owner of any and all rights, title and interest in and to the User Content. With respect to any User Content you submit via the Platform or Program/Courses/Courses or that is otherwise made available to Izzpay, you hereby grant Izzpay an irrevocable, worldwide, perpetual, royalty-free and non-exclusive license to use, distribute, reproduce, modify, adapt, publicly perform and publicly display such User Content on the Platforms or in the Program/Courses/Courses or otherwise exploit the User Content, with the right to sublicense such rights (to multiple tiers), for any purpose (including for any commercial purpose). Izzpay reserves the right to remove any User Content at any time and for any reason. To the extent that you provide any User Content, you represent and warrant that (a) you have all necessary rights, licenses and/or clearances to provide such User Content and permit Izzpay to use such User Content as provided above, (b) such User Content is accurate and reasonably complete, © as between you and Izzpay, you shall be responsible for the payment of any third party fees related to the provision and use of such User Content, and (d) such User Content does not and will not infringe or misappropriate any third party rights or constitute a fraudulent statement or misrepresentation or unfair business practices. Izzpay does not control the User Content posted through the Platform, including any messages, reviews or comments, and does not guarantee the accuracy, integrity or quality of such User Content. Under no circumstances Izzpay be liable in any way for any User Content, including any errors or omissions, or any loss or damage or defamation of any kind incurred as a result of your posting or use of any User Content. You are responsible for complying with all laws applicable to the User Content. You are prohibited from posting the following Content on the Platform:
You are prohibited from violating or attempting to violate the security of the Platform or any other associate Platform of Izzpay, including, without limitation, (a) accessing data not intended for such user or logging onto a server or an account which the user is not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; © attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Platform, overloading, “flooding,” “spamming,” “mailbombing” or “crashing;” (d) sending unsolicited email, including promotions and/or advertising of products or services; or (e) forging any TCP/IP packet header or any part of the header information in any email or newsgroup posting. Violations of system or network security may result in civil or criminal liability. Izzpay will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this Platform or any activity being conducted on the Platform. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Platform other than the search engine and search agents available from Izzpay on the Platform and other than generally available third-party web browsers (e.g., Google Chrome or Microsoft Explorer).
The Platform and/or Program/Courses/Courses may contain typographical errors or inaccuracies and may not be complete or current. Izzpay therefore reserves the right to correct any errors, inaccuracies or omissions (including after an order has been submitted) and to change or update information at any time without prior notice. The Platform, Program/Courses/Courses, and any information or Izzpay Content are provided “as is” and “as available” basis with all faults. Izzpay makes no representations or warranties of any kind, whether express or implied, with respect to Izzpay Content or services available on or through this Platform and Program/Courses/Courses, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Izzpay makes no warranty that the services will meet the user’s requirements or that the services will be uninterrupted, timely, secure, or error free; nor does Izzpay make any warranty as to the results that may be obtained from the use of the services, or as to the accuracy or reliability of any information obtained through the services, or that any defects in the software will be corrected. The user understands and agrees that the Izzpay Content and all other information, data, or other material downloaded or otherwise obtained through or from the Platform or Program/Courses/Courses is obtained at the user’s own discretion and risk, and that the user will be solely responsible for any damage to the user, the user’s computer system, electronic device or any loss of data that results from the download of such material or data. No advice or information, whether oral or written, obtained by the user from Izzpay or through or from the services, shall create any warranty by Izzpay. In the event you find that the information provided on the Platform or Program/Courses/Courses is incorrect, or if you are the owner of any information or content, and wish that such information or content is not displayed on the Platform or Program/Courses/Courses, kindly notify us at the address provided at the bottom of the page.
You expressly understand and agree that:
your use of the Services and the Platform is at your sole risk. The Services and the Platform are provided on an "as is" and "as available" basis. The Company expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. any material downloaded or otherwise obtained through the access or use of the Platform, is at your own discretion and risk and that you will be solely responsible for any damage to your computer system, electronic data or loss of data that results from the download of any such material. no advice or information, whether verbal or written, obtained by you from the Company, for the Services or through the Platform shall create any warranty not expressly stated in these Terms. The Services are intended for personal, non-commercial use. You shall be solely responsible for the use, misuse, improper usage of the Services and the Platform. The Company shall not be liable for any damages accruing out of the use of the Services which have not been expressly stipulated under these Terms. the Company makes no warranty, including implied warranty, and expressly disclaims any obligation, that: (a) the Contents are and will be complete, Exhaustive, accurate or suitable to your requirements; (b) The Platform or the Services will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Platform or Services will be accurate or reliable.
Neither Izzpay nor any of its Educational Partners, affiliates, employees, directors, officers, agents, vendors or supplier shall be liable to you or any other person, whether in Tort, Contract, Strict Liability or otherwise, for any indirect, special, incidental or consequential losses or damages of any nature arising out of or in connection with the use or inability to use this Platform or Program/Courses/Courses, including, without limitation, damages for lost profits, loss of goodwill, loss of data, work stoppage, accuracy of search results, or computer / electronic device failure, virus or malfunction. In no event will Izzpay be liable for any damages in excess of Rupees 100 or, in the case of enrolled Student/Applicants, the fees paid by you in connection with your enrollment to a Program/Course.
The Platform may contain links to pages on other websites (“Linked Sites”), and those Linked Sites may contain Content or offer products and/or services for sale. Izzpay does not author, edit, control, or monitor these Linked Sites. You acknowledge and agree that (a) we have no responsibility for the accuracy or availability of information provided by Linked Sites, (b) we do not control or endorse the sponsors of such Linked Sites or the content, products, advertising, or other materials presented on such Linked Sites. and © you agree to the terms and conditions of the Linked Sites We may remove any Linked Sites from the Platform at any time with or without reason. Izzpay WILL NOT BE LIABLE FOR ANY TRANSACTIONS CONDUCTED BY YOU WITH THIRD PARTIES THROUGH THE LINKED SITES OR FOR ANY LIABILITY ARISING FROM THE REPRESENTATIONS OR INFORMATION PROVIDED ON SUCH LINKED SITES. We appreciate that Linked Sites may contain material in which the operator of the Linked Sites has intellectual property rights. We respect those rights and provide the links for information purposes only. The fact that we have linked to any Linked Site does not create or imply any relationship or partnership with the operator of such Linked Site. You may not establish a link to this Platform from any other website, application, intranet or extranet site without our prior written consent. If you wish to create links, you may contact us before doing so. In establishing links, you must not represent in any way, expressly or by implication, that you have received the endorsement, sponsorship or support of Izzpay, including its Educational Partners, respective employees, agents, directors, officers or shareholders.
You agree to indemnify and hold Izzpay and its Educational Partners harmless from any and all claims, liabilities, damages, losses and expenses, including reasonable attorneys’ fees and costs, relating to or arising out of (a) your use or attempted use of the Platforms or Program/Courses/Courses in violation of the Terms; (b) your violation of any law or rights of any third party; or © information or Content that you or others post or otherwise make available on the Platform or through any Program/Course, including without limitation any claim of infringement or misappropriation of intellectual property or other proprietary rights.
You agree that Izzpay, in its sole discretion, may deactivate your account or otherwise terminate your use of the Platform or enrollment to a Program/Course with or without reason, including, without limitation, if Izzpay believes that you have (a) breached the Terms; (b) infringed the intellectual property rights of a third party; © posted, uploaded or transmitted unauthorized Content on the Platform; or (d) violated or acted inconsistently with the letter or spirit of these Terms or any other applicable code of conduct. You agree that any deactivation or termination of your access to the Platforms or Program/Courses/Courses may be effected without prior notice to you and that Izzpay shall not be liable to you nor any third party for any termination of your account or enrollment to a Program/Course. You also acknowledge that Izzpay may retain and store your information on Izzpay’s systems notwithstanding any termination of your account or enrollment to the Program/Courses/Courses.
The Company reserves its rights to terminate these Terms in the event:
The Company reserves its right to Track you, even when you have uninstalled the App or even after termination of these Terms, until all your obligations, including but not limited to payment of the Outstanding Amount(s) is in subsistence.
Upon termination of these Terms, the rights and licenses granted to you under these Terms shall cease to exist, and you must forthwith stop using the Platform and the Services and repay the Outstanding Amount(s). Notwithstanding anything contained in these Terms or otherwise, the termination of these Terms for any reason whatsoever, shall not affect your obligations, including but not limited to repayment of the Outstanding Amount(s).
These Terms and Conditions (including all agreements and policies referenced in these Terms and Conditions or otherwise applicable to the use of specific features of the Izzpay Wallet and related services which are required to be agreed to and accepted before the use of such specific features) set out in the general terms and conditions will apply to the Cards, and related services that we may agree to provide to you from time to time.
If you are under 16 years of age, you should seek parental consent and can use Izzpay Wallet, the Cards, and related services only in conjunction with and under the supervision or consent of a parent or guardian. By registering for and/or using Izzpay Wallet, the Cards, and related services in any way, you certify that you have understood these terms and that you are either at least 16 years old or have obtained parental consent for use of Izzpay Wallet, the Cards, and related services.
By completing the sign-up process, you are deemed to have expressly read, understood and accepted each and every term when you use Izzpay Wallet, the Cards, and related services. You agree to be bound by these Terms and Conditions and other specific rules and procedures as determined or as may be amended at our sole discretion. Where you are sending a money transfer to a Recipient who is not registered with us, you agree to accept the provisions of this Terms and Conditions not only for yourself but also on behalf of the Recipient.
Definitions, Description, and Interpretation. Headings and sub-headings are inserted for convenience only and do not affect the construction or interpretation of these Terms and Conditions. Words denoting the singular shall (where appropriate) include the plural and vice versa, and words denoting a gender include every gender. The words “including” and “include” are not words of limitation. References to persons shall be construed to include bodies incorporated or unincorporated.
In these Terms and Conditions, unless the context otherwise requires, the following definitions shall apply:
Only qualified user can use Izzpay Wallet, Cards and related services by completing sign-up process with us. You will not access, use, or attempt to use our Remittance Service as a Sender unless you are at least 16 years old, and that you have the legal capacity to form a binding legal contract in the relevant jurisdiction.
You represent and warrant to us that you:
a. Are of legal age of majority to contract (and in any event, no less than 16 years of age) and are legally capable and permitted to accede to these Terms and Conditions, or if you are under 16 years of age (but in any event, not less than 16 years of age), you have obtained the consent and permission of your parent or legal guardian for use of Cards, Remittance Services and related services in accordance with these Terms and Conditions. You shall not be eligible to access and use the Izzpay Wallet, the Cards, and related services (including to effect and obtain any such service) if you are less than 16 years of age.
b. Are eligible to register and use Cards, Remittance Services and related services and have the right, power, and ability to enter into and perform under these Terms and Conditions.
c. Provide us with true, accurate, current and complete evidence of your identity, and promptly update your personal information if and when it changes. Upon application, you must fill the account opening form all requested details that establish your identity. As such, necessary documents, hard or soft copies must be provided to us to facilitate the account opening procedure. If you are a business entity, an Authorized Personnel to Trade User must establish an Enterprise Account on your behalf.
d. Update your personal information, including current email address.
It is paramount that all funds deposited by you from time to time, are of legal origin, are not the proceeds of crime, including but not limited to, proceeds of drugs trafficking or dealings in other prohibited substances or proceeds of illegal arms trades, illegal gambling, prostitution, terror funds etc. When you place a Remittance Order source of funds and reasons of Remittance in the form of authentic documentation may be required.
We may, from time to time, at our sole discretion, require you to provide proof of identity (such as notarized copy of identity card or other means of identity verification as we deem required under the circumstances) and may at our sole discretion suspend an account until such proof has been provided to our satisfaction.
Necessary documentation to authenticate authorized personnel will be required from time to time and we reserved the right to seek further clarification and if such clarification cannot be obtained for any reason or whatsoever, we are entitled not to act on conflicting and incomplete instructions.
We reserve the right, but shall not be obliged to, monitor User Content.
You hereby grant us a non-exclusive, world-wide, royalty-free, perpetual, irrevocable, sub-licensable license to use, reproduce and exploit your User Content (without any duty to account to you for any such use) in any manner and for any purpose as we may require in our sole discretion, including for marketing and promotional purposes.
If you send us a suggestion, idea, or proposal (whether solicited or otherwise), (“Submission”), you agree that such Submission shall not be considered confidential or proprietary to you, and we shall be entitled to use the same in accordance with Clause 3.7, without any obligations to you contractual or otherwise, and shall not be liable for the use or disclosure thereof.
Use of Izzpay Wallet, Cards and related services is subject to the Terms and Conditions provided herein as may be amended from time to time. You signify agreement with these Terms and Conditions and assume liability for any and all charges and fees incurred on Cards, Izzpay Wallet and related services, whether authorized or unauthorized. Cards is not a Credit Card; hence, usage shall be dependent on the funded balance linked to the Cards and Izzpay Wallet.
When you use the Cards, Izzpay Wallet and related services, you are authorizing us to act as your agent only with respect to holding, sending, or receiving the available balance. You agree to comply with all the guidelines, notices and instructions pertaining to the use of Izzpay Wallet, Cards and related services, as well as any amendments to the aforementioned, issued by us, from time to time.
a. We may, without prior reference to you, combine or consolidate any number of your Izzpay Wallet and Cards, your Cards in your country or overseas (whether held alone or jointly, or under any style, name or form including trade names of sole-proprietorships) and offset credit balances (whether matured or not) in these accounts against any liability.
b. You agree that where such combination, consolidation, and offset requires any conversion from one currency into another, we have the right to convert one currency into another in any manner we may determine and at our prevailing rate of exchange. You must indemnify us for any shortfall and be responsible for any losses and risks arising from the conversion.
a. You agree not to use Cards for the purchase of items or goods for which their importation into your residence country is disallowed under applicable laws.
b. You confirm that you shall not use Izzpay Wallet, Cards and related services to conduct transactions in connection with any prohibited activities under applicable laws.c. We may limit the number of your purchases that may be approved in one day. If we detect any unusual or suspicious activity on the use of your Cards, we may require you to contact us or temporarily suspend your privileges until we can verify the activity.
You agree and undertake NOT to:
a. Use any software or material that contains a virus or damaging component which may corrupt Izzpay Wallet, Cards and related services’ data or interfere with the operation of the Cards, Izzpay Wallet and related services.
b. Transmit any materials or information through Izzpay Wallet, Cards and related services which are or may be offensive, indecent, defamatory or which may not be lawfully disseminated under applicable laws or which you know or have reason to suspect contains any viruses or damaging components which may detrimentally interfere with Izzpay Wallet, Cards and related services or the operation of Izzpay Wallet, Cards and related services.
c. Use Izzpay Wallet, Cards and related services other than in conformance with the acceptable use policies of any connected computer networks and any applicable Internet standards.
Unless terminated or cancelled earlier, Cards shall be valid for a period of time defined by us. Renewal or replacement of the Cards will be at our sole discretion. Your Cards shall be valid for the period (“Validity Period”) stated on the Cards and shall expire on the first day of the following month. You agree and understand that the Validity Period may not be extended.
Inactive Cards: where no access or payment transactions are made on Cards for a continuous period of time exceeding and there is valid balance in Cards, we may notify you by any notice methods mentioned herein and give you the option of maintaining your Cards operational. If you do not respond to the notice within the given time noticed by us, from time to time, a dormancy fee can be charged and deducted from the remaining stored value on Cards and thereafter for every month for which the Cards remains inactive.
Inactive Cards: where no access or payment transactions are made on Cards for a continuous period of time exceeding and there is valid balance in Cards, we may notify you by any notice methods mentioned herein and give you the option of maintaining your Cards operational. If you do not respond to the notice within the given time noticed by us, from time to time, a dormancy fee can be charged and deducted from the remaining stored value on Cards and thereafter for every month for which the Cards remains inactive.
If there is any unused balance in an inactive Cards when it expires, you shall no longer be entitled to use that unused balance and we may terminate this Cards and forfeit the unused balance, in accordance with applicable laws, and if permitted, to Izzpay.
Your Izzpay Wallet and Cards or any part thereof may be cancelled by us at any time without prior notice to you. After cancellation, Izzpay Wallet, Cards and related services or any part thereof may be reinstated in such manner and on these Terms and Conditions as we may, at our absolute discretion, determine.
Discretion. Without giving any reason or prior notice, and without prejudice to the other provisions in these Terms and Conditions, we have absolute discretion to: (a) refuse approval of any proposed transaction even if your Izzpay Walletlinked to the Cards has sufficient balance; (b) terminate or cancel your right to use your Izzpay Wallet and Cards; (c) increase or decrease the transaction limit; (d) refuse reissuance, renewal, or replacement of Cards; or (e) introduce, amend, vary, restrict, terminate, or suspend the benefits, related services, facilities, and privileges in respect of or in connection with your Izzpay Wallet and Cards.
Termination by Us Notwithstanding anything, we may close and revoke any one or all your Izzpay Wallet and Cards, with or without notice to you, if:
a. You do not follow our instructions in connection with your Izzpay Wallet and Cards or related services or you do not comply with any applicable law;
b. We believe you have (i) offered, promised or given any bribe; or (ii) agreed to receive or accepted any bribe.
c. In our opinion, any Izzpay Wallet, Cards and related services is not operated in a proper or regular manner.
d. In our opinion, a business relationship with you is no longer appropriate
e. You threaten to breach or you have breached, any term in these Terms and Conditions , or any other agreement whether relating to the borrowing of funds or the granting of advances or credit or otherwise.
f. You have given us untrue, inaccurate, incomplete or misleading information.
g. You do not pay on time any amount due to us.
h. You pass away or become incapacitated.
i. You become insolvent or bankrupt or subject to judicial proceedings
j. your assets are in jeopardy or subject to enforcement of a judgment by any party
k. Any legal proceeding (civil or legal) or action (including garnishee order, writ of seizure and sale, injunction) is commenced or levied against you, or you have been convicted of a crime, or you or any security provider has acted inappropriately.
l. Anything happens which, in our opinion, may have a material or adverse effect on your financial condition, assets or compliance with the terms of these Terms and Conditions
m. Any other event of default occurs under any other agreements or arrangements between us.
n. Any of the events or proceedings under this clause occurs in relation to any third party who has agreed to provide or is providing security
o. It would constitute a breach of our agreement with any other party
p. It is necessary for us to do so in order for us to meet any obligation, either in India or elsewhere in the world, in connection with the prevention of fraud, money laundering, terrorist activity, bribery, corruption or tax evasion, or the enforcement of economic or trade sanctions.
q. It is unlawful for us to continue to provide Izzpay Wallet, Cards and related services or any service or allow the use of the Card.
You may, at any time, suspend Cards in accordance with these Terms and Conditions. For cancellation, termination and reactivation of the Cards you should direct to our Customer Service for instruction. You acknowledge that such actions may be charged a fixed amount for such changes.
Upon cancellation or termination of your Izzpay Wallet and Cards or any part thereof:
a. All rights and benefits granted to you shall immediately be terminated and shall revert to us.
b. You cannot and must not use your Izzpay Wallet and Cards.
c. We may at our absolute discretion, decide not to act on any confirmation or request received by you after the effective date of termination
d. We may at our absolute discretion, decide not to act on any confirmation or request received by us between the date of notice given to you and the effective date of termination (if there is a lapse of time between the two dates).
The security and proper care of your Cards, as well as the confidentiality of your Security Code shall be your sole responsibility. You accept that you must not give Izzpay Wallet, Cards and related services details to others or allow them to use it for charges, identification or any other purpose. If you do so, you will be liable for all charges made with the Cards as a result.
You shall be relieved from any financial exposure resulting from the fraudulent or unauthorized use of Izzpay Wallet, Cards and related services from the time the report of the compromise of your Izzpay Wallet and Cards is received by us from the concerned person. Prior to the receipt of such a report, you expressly agree to be held liable to us for any and all transactions, purchases, and charges made or incurred from the use of the compromised Cards. Should you fail to immediately report to us the compromise of your Izzpay Wallet and Cards upon discovery, our affiliated Merchants or we shall be rendered free and harmless from any and all liabilities arising out of Izzpay Wallet, Cards and related services’ compromise.
You will be required to provide your name, address, Cards number, identification documents and other details for identification purposes. You agree to provide us all information and assistance reasonably requested in order to make a timely and complete investigation of the compromise, and we reserve the right to investigate the compromise. If your Cards is lost or stolen, we may issue you a replacement Izzpay Wallet, Cards and related services with an value equal to the available balance on your Cards at the time you notified us of the compromise, at our sole discretion.
Your Cards is a reloadable account where you have completed all registration requirements as may be determined by us, meaning Know-Your-Customer (KYC)-validated
Where Cards has been designated as a reloadable account, the maximum remaining balance on the Cards shall be up to a specific amount as set forth at our own discretion. You can spend up to a limited amount per day and per month as defined in the Fees and Charges section on https://wallet.mmvpay.com/. Each time you use your Cards, the amount of the transaction will be debited from your Cards’ available balance. You agree not to make a purchase or other transaction in excess of your Cards’ available balance. We have the right to reject all of your requests to make any purchase or any other transaction or if a Fee deducted from your available balance exceeds the available balance on your Cards.
a. Access to and use of password protected and/or secure areas or features of Izzpay Wallet, Cards and related services are restricted to authorised users only.
i. You may not obtain or attempt to obtain unauthorised access to such parts of Izzpay Wallet, Cards and related services, or to any other protected information, through any means not intentionally made available by us for your specific use.
ii. You will be required to select or designate a password, personal or log-on identification number and other code and/or adopt certain access or security procedures (such items to be referred to as “Security Code”) for use in connection with access to Izzpay Wallet, Cards and related services or use of the facilities provided through Izzpay Wallet, Cards and related services. You hereby agree to keep the Security Code confidential. You are to notify us immediately if you have knowledge that or have reason for suspecting that the confidentiality of the Security Code has been compromised or if there has been any unauthorised use of the Security Code.
iii. You agree to be bound by any access or use of Izzpay Wallet, Cards and related services (whether such access or use are authorised by you or not) which are referable to your Security Code. You agree and acknowledge that any use of or access to Izzpay Wallet, Cards and related services referable to your Security Code and any Electronic Instructions shall be deemed to be, as the case may be:
b. Use of or access to Izzpay Wallet, Cards and related services by you; or
i. Electronic Instructions transmitted or validly issued by you. You agree and acknowledge that any use of or access to Izzpay Wallet, Cards and related services and any information or data referable to your Security Code shall deem to be (a) use or access of Izzpay Wallet, Cards and related services by you; or (b) information or data transmitted or validly issued by you, or both, and you agree to be bound by any access or use (whether such access or use is authorised by you or not) referable to your Security Code, and you agree that we shall be entitled (but not obliged) to act upon, rely on or hold you solely responsible and liable in respect thereof as if the same were carried out or transmitted by you.
We are under no obligation to investigate the authenticity or authority of persons effecting the Electronic Instructions or to verify the accuracy and completeness of the Electronic Instructions. Accordingly, we may treat the Electronic Instructions as your authentic and duly authorised instructions which are valid and binding by you notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in the terms of the Electronic Instructions.
Any risk of misunderstanding, error, loss, damage or expense resulting from the use of Izzpay Wallet, Cards and related services are entirely at your own risk and we shall not be liable therefor.
All Electronic Instructions will be deemed to be irrevocable and unconditional upon transmission through Izzpay Wallet, Cards and related services and we shall be entitled (but not obliged) to effect, perform or process such Electronic Instruction(s) without your further consent and without any further reference or notice to you. Nevertheless, in certain circumstances you may request to cancel or amend the Electronic Instructions, which we shall endeavour to give effect to on a commercially reasonable effort and basis. However, notwithstanding the foregoing, we are not obliged to give effect to any request to cancel or amend any Electronic Instruction.
5You acknowledge and agree that:
a. We may at any time, at our sole discretion and without stating reasons, require that you identify yourself by alternative means; require any Electronic Instructions to be confirmed through alternative means (in writing given in person at a branch, by fax, and etc.);
b. We may at any time decline to act on the Electronic Instructions without prior notice or any given reason, including: (without incurring any responsibility for loss, liability or expense arising out of so declining to act refrain from acting promptly upon any Electronic Instructions) (a) verify the authenticity thereof (b) decline to act on the Electronic Instructions where they are ambiguous, incomplete or inconsistent with your other Electronic Instructions or instructions, information and/or data (c) decline to act where any Electronic Instructions would cause you to exceed your applicable transaction limits; or (d) decline to act on the Electronic Instructions where we did not receive authorizations from other banks or financial institutions in the form required by use; and c. Electronic Instructions may not be processed immediately, around the clock or in a timely manner, and that we shall not be liable for any loss, damage or expense arising from any delay in processing or executing any Electronic Instructions.
Notwithstanding any provision to the contrary in these Terms and Conditions, you acknowledge and agree that in the event that we discover, or have been notified by the Service Providers, that the funds to be or which have been remitted under Izzpay Wallet, Cards and related services are to be or have been debited from any other internet banking account or card account you may have other than your internet banking account and/or your card account maintained with us, we may at any time, at its sole discretion and without stating reasons or notice, reverse any or all Electronic Instructions which you have transmitted or issued to, and which have been received by, us and/or impose an administration processing fee for such reversal and/or terminate this Terms and Conditions and your right to use Izzpay Wallet, Cards and related services.
You acknowledge and agree that funds to be, or which have been remitted under Izzpay Wallet, Cards and related services, shall be net of applicable duties, fees or charges imposed or levied by any local or overseas governmental agencies, financial institutions or other third parties in connection with effecting, processing and/or receiving the remittance, all of which shall be borne and paid by you (and may be deducted from any sums paid to or received by us in connection with Izzpay Wallet, Cards and related services).
You hereby agree to indemnify and render us, our directors, officers, employees, agents and assign free and harmless from and against any claim, cause of action, suit, liability, and loss or damage of whatever nature that may arise as a result of or in connection with the use of your Izzpay Wallet and Cards and the transactions made with it in the following instances: (a) Disruption, failure, or delay relating to or in connection with the use of your Izzpay Wallet and Cards due to circumstances beyond our control; fortuitous events such as, but not limited to, prolonged power outages, breakdown in computers and communication facilities, computer-related errors, system errors, system enhancements, system migration and integration, typhoons, floods, public disturbances and calamities, and other similar or related cases; (b) Fraudulent or unauthorized utilization of your Izzpay Wallet and Cards due to unauthorized disclosure, or breach of its security or confidentiality with or without your participation; or (c) Inaccurate, incomplete, or delayed information received by us due to disruption or failure of any communication facilities or electronic device used for your Izzpay Wallet and Cards.
You may view the transaction history on your Izzpay Walletapp or access the Cards through website. You acknowledge and agree that we are not under any obligation whatsoever to issue a monthly statement to you detailing the transactions conducted by you through Izzpay Wallet and Cards system.
The details in the SMS/email confirmation message after every transaction and/or the entries in the Transaction History are presumed true and correct unless you notify us in writing of any disputes thereon within twenty-four (24) hours from the time of the transaction. If no dispute is reported within the mentioned period, all transactions, and the entries in the Transaction History, are considered conclusively true and correct.
Disputed transactions shall only be credited back to your Cards once the claim/dispute has been properly processed, investigated, and there has been a clear finding that you are entitled to the credit.
We shall not be obligated to process any refund of the available balance on the Cards before the expiry date of the card. We shall only be obligated to refund you the remaining balance of your Cards, if any, under the following conditions:
a. A refund application form is duly completed and submitted to us in accordance with the refund policy.
b. A refund-processing fee shall apply for each refund, and shall be deducted from the remaining balance stored on Cards. We shall only be obligated to process a refund if the remaining balance exceeds the refund-processing fee. If there is insufficient balance to cover the refund-processing fee, we shall notify you in writing of the unsuccessful refund.
c. Any refund shall be transferred to your registered bank account or any bank account notified to us by you. Upon any unsuccessful transfer, we shall be entitled to charge an additional transfer fee.
For Remittance Services, we will refund to you any benefit which we receive as a result of any breach of our agreement with you (this means that, for example, where a money transfer has failed in such circumstances we will refund to you the Transaction Amount and the Remittance Service Fee). We do not, in any event, accept responsibility for:
a. Any failure to perform your instructions as a result of circumstances which could reasonably be considered to be outside our control;
b. Mail functions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us.
c. Any losses or delays in transmission of messages arising out of the use of any internet service provider or caused by any browser or other software which is not under our control.
d. Errors on the website or with the Remittance Service caused by incomplete or incorrect information provided to us by you or a third party.
Unsuccessful transfer, we shall be entitled to charge an additional transfer fee.
To be entitled to Izzpay Wallet and Cards privileges and benefits, including related services, you shall pay the fees we may require. We reserve the right to, and may at our sole discretion, charge and revise from time to time the privileges and benefits under Izzpay Wallet, Cards and related services, including related fees. We shall, in most cases, give reasonable notice to you of the rates and other relevant information on any fees before they become effective provided that the variation is within our control. We reserve the right to amend charges of fees/commission in lieu. The continued use of Izzpay Wallet, Cards and related services shall be taken as acceptance by you of the terms, benefits, and fees.
Fees for Remittance Services: In consideration of our agreement to provide the Remittance Services, you shall pay to us the fees set out in (i) the remittance estimate provided by us to you if and when you submit a request to us for such remittance estimate; and (ii) the applicable notification by email/SMS from us and/or Izzpay application or our Izzpay Walletwebsite.
All paid annual fees are non-refundable even if the privileges are suspended or terminated, or even if you cancel your Izzpay Wallet and Cards with us before its expiry date.
If a transaction is made in a foreign currency (not the national currency of the place where the Cards is issued), we shall convert the transaction amount into the local currency according to our usual practice. Unless a particular rate is required by applicable law, you authorize us to choose a conversion rate that is acceptable to us for that date.
Currently, the conversion rate we use for a transaction in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources on the conversion date or the prior business day. This conversion rate may differ from rates in effect on the day of your transactions.
Mode of Payment: All payments made hereunder shall be made in accordance with our instructions including instructions regarding the mode of payment and the currency of payment, and shall be made net of all bank charges (including any charges which may be levied by the receiving bank), which shall be borne by you. Unless otherwise stipulated by us, all payments hereunder to us shall be made in Indian Currency.
Taxes and charges: The Fees are exclusive of any or all taxes, duties and charges imposed or levied by the appropriate local or overseas governmental agencies, financial institutions or other third parties in connection with Izzpay Wallet, Cards and related services or otherwise pursuant to these Terms and Conditions (including any applicable sales, use, value-added, transaction, goods and services or other similar taxes goods and services tax), all of which shall be borne by you. In the event that any amounts payable by you to us under these Terms and Conditions are subject to any withholding tax, you shall deduct such withholding taxes from payments due to us and forward the balance to us. You shall provide the necessary supporting documentation to us of the payment of such withholding taxes to enable us to obtain the credit for such tax payment in its country of incorporation.
Indian law requires all financial institutions to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying information about all customers. We may therefore require you to supply us with personal identifying information and we may also legally consult other sources to obtain information about you. In addition to the information that you submit, our systems are programmed to gather certain anonymous data to help us understand how Izzpay Wallet, Cards and related services are being used and how we can improve it. This automatically gathered data includes your computer’s IP or “Internet Protocol” address, statistics about how visitors navigate through Izzpay Wallet, Cards and related services, and information provided through the use of “cookies”.
By accepting these Terms and Conditions, you authorise us to make any inquiries we consider necessary to validate the information that you provide to us. We may do this directly, for example, by asking you for additional information, requiring you to take steps to confirm ownership of your billing address or email address; or by verifying your information against third party databases; or through other sources.
You agree that we may (a) record telephone conversations between you and us and (b) use such recordings, or electronic transcripts from such recordings, as evidence in any dispute or anticipated dispute. To ensure quality of customer service, you agree to allow us to monitor telephone calls between you and us from time to time.
Consent to disclosure and provision of information. Information relating to any access or use of Izzpay Wallet, Cards and related services or which have been collected from you may be shared by us with our service providers, agents or business partners and affiliates that we work with in connection with our business. Specifically, the information may be used for the following purposes and you consent to us and/or our personnel disclosing any information, whether in India or otherwise:
a. To any of our agents, subcontractors, partners or affiliates which have a legitimate business purpose for obtaining such information, including offering you products or services in connection with, or to facilitate the use of Izzpay Wallet, Cards and related services
b. To any of our agents, personnel, subcontractors or any other third party as we may consider necessary in order to give effect to any Electronic Instructions or transaction or to comply with any order or request of any court or governmental or regulatory authority in any jurisdiction.
c. To any of the following where such disclosure is reasonably regarded by us to be necessary to complete any transaction or to carry out the Electronic Instructions.
d. To any person using Izzpay Wallet, Cards and related services purporting to be you.
e. To any information gathering or processing organisation or department conducting survey(s) on our behalf; and
f. To third parties for the purpose of statistical or trade analysis.
To use the Transfer Credit Service, you will need to:
To use the Transfer Credit Service, you will need to:
a. Have a valid and active Izzpay Wallet, Cards and related services.
b. Have Verified Your Identity and approved by us as per our Know-Your-Customers policy (“KYC”).
If you wish to carry out a Transfer Credit Transaction, you must submit a Transaction Request to initiate such Transfer Credit Transaction. When submitting a Transaction Request, you shall provide such information as may be requested by us (including the Recipient’s contact details).
You are responsible for ensuring, and you warrant, the truthfulness, accuracy, and completeness of all information provided in respect of such Transaction Request, including but not limited to the Recipient’s contact details.
Once a Transaction Request has been credited into the Recipient’s Account, you will not be able to withdraw, cancel or make any changes to such Transaction Request.
We shall be entitled, at our absolute discretion, to reject or refuse to accept or process or to cancel any Transaction Request or Transfer Credit Transaction and shall not be required to give any reason for the same.
Following the acceptance by us of a Transaction Request, the Recipient will, depending on the contact details provided by you, be notified by email, or through SMS, that you have transferred the credit to the Recipient’s Account.
The Transfer Amount that has been transferred by you (whether pursuant to a single or multiple Transaction Requests) is subject to a daily limit of INR 1,000 (one thousand Indian Currency) per transaction, and/or a monthly limit of INR 3,000 (three thousand Indian Currency) worth of total transactions. This limit is reset at midnight (Country time) daily. We may, in our absolute discretion, alter any limit or impose additional limits on the Transfer Amount(s) that may be transferred by you, whether on a per transaction basis or an aggregated basis, without prior notice to you.
In relation to each Transfer Credit Transaction: The notifications will be sent to you in connection with you successfully opting-in for the Transfer Credit Service either by SMS or and email.
You acknowledge and agree that you are responsible for providing the correct Recipient’s contact details to enable the Transfer Credit Transaction into the Recipient’s Account, and ensuring that the Recipient safe-keeps and maintains the confidentiality of his own Account.
You hereby instruct and authorise us to debit your Izzpay Wallet and Cards and transfer or procure the transfer of the Transfer Amount to the Recipient’s Account.
The Recipient must have a valid Izzpay Wallet, Cards and related services. The Recipient must request an OTP to enable the Transfer Credit Transaction to be credited into his Account, must comply with such instructions as may be prescribed by us and have the KYC process done in order for the Transfer Amount to be credited into his/her Account.
If the Transfer Credit Transaction is unsuccessful but the Transfer Amount has been debited from your Izzpay Wallet and Cards, we shall arrange for the Transfer Amount to be credited back to your Izzpay Wallet and Cards.
You acknowledge and agree that, for the purposes of the Transfer Credit Service, the Account will be accessing and using the information in your Izzpay Wallet and Cards, and you hereby consent to the Cards accessing and using such information for the provision of the Transfer Credit Service and authorise us to contact your designated Recipients using such information (including through private emails via your Izzpay Wallet and Cards) on your behalf.
We reserve the right to impose charges or to revise at any time such charges for the use of the Transfer Credit Service and/or the Account upon written notice to you. Such charges or revisions shall take effect from the date stated in the notice. Where you continue to use the Account or submit any Transaction Request after such notification, you shall be deemed to have agreed to and accepted such charges or revisions to such charges.
We expressly exclude any guarantee, representation, warranty, condition, term or undertaking of any kind, whether express or implied, statutory or otherwise, relating to or arising from the use of, the Transfer Credit Service or in relation to the processing of or any other matter relating to any Transaction Request or Transfer Credit Transaction. Without prejudice to the foregoing, the acceptance by us of your submission of a Transaction Request does not amount to a representation or warranty by us that it will, and does not impose any obligation on us to, process the Transfer Credit Transaction or transfer the Transfer Amount to the Recipient and we do not represent or warrant that:
a. The Transfer Amount has been successfully transferred to the Recipient’s Account.
b. The Transfer Amount has not been credited, or has failed to be credited, to the Recipient’s Account within 7 days from the date of the Transaction Request.
c. The Transfer Credit Service will meet your requirements.
d. The Transfer Credit Service will always be available, accessible, function or inter-operate with any network infrastructure, system or such other services as Cards may offer from time to time; or
e. Your use of the Transfer Credit Service or Cards’ processing of any Transaction Request or Transfer Credit Transaction will be uninterrupted, timely, secure or free of any virus or error.
You acknowledge and agree that, to the extent permitted under applicable law, we shall not be liable to you for any and all losses, liabilities, costs, expenses, damages, claims, actions or proceedings of any kind whatsoever (whether direct, indirect or consequential) in respect of any matter of whatever nature and howsoever arising (whether in contract, tort, negligence or otherwise) in connection with:
a. The provision by us of or your use of the Transfer Credit Service and/or the Account.
b. the processing of any Transaction Request or Transfer Credit Transaction.
c. Any Transfer Credit Transaction being unsuccessful or considered as unsuccessful or any Transfer Amount not having been transferred to the Recipient’s Izzpay Wallet, Cards and related services or transferred to a recipient other than the intended Recipient, whether or not arising from your negligence, misconduct or breach of any of these Terms and Conditions (including as a result of inaccurate information being provided by you).
d. Any failure, refusal, delay or error by any third party or third party system through whom or which any Transfer Credit Transaction is made.
e. Any unauthorised access of the Account.
f. The use in any manner and/or for any purpose whatsoever by any person at any time whatsoever and from time to time of any information or data: (A) relating to you and/or any Recipient; (B) transmitted through your use of the Transfer Credit Service and/or the Account; and/or (C) obtained through your use of the Transfer Credit Service and/or the Account.
g. Any event the occurrence of which we are not able to control or avoid by the use of reasonable diligence; and/or
h. The suspension, termination or discontinuance of the Transfer Credit Service.
To the extent that any of the limitations set out above are not permitted by law, our liability to you arising from, or in respect of each Transfer Credit Transaction, whether in contract, tort (including negligence or breach of statutory duty) or otherwise for any and all losses, damages or liabilities caused or arising from or in relation to our provision of the Transfer Credit Service and/or the Account and/or under or relating to these Terms shall not exceed the value of such Transfer Credit Transaction.
You represent and warrant that, in relation to each Transfer Credit Transaction, you have obtained the necessary consent of the relevant Recipient to disclose such Recipient’s personal data (including contact details) to us and for us to use and disclose such Recipient’s personal data (including contact details to contact the Recipient in the manner set out in paragraph 6) as required for the purposes of the Transfer Credit Service.
We shall be entitled to exercise any of its rights and remedies under these Terms and Conditions governing Online Transaction Services (including the right to withdraw, restrict, suspend, vary or modify Cards Transfer Credit Service (whether in whole or in part)).
You may only receive the Transfer Amount by submitting a request using:
a. The unique URL which may be accessed via the email or SMS provided to you informing you of the Transfer Credit Transaction.
b. Such other manner as may be prescribed by us in the email or SMS provided to you informing you of the Transfer Credit Transaction, and by complying with such instructions as may be set out therein.
a. Have a valid and active Izzpay Wallet, Cards and related services.
b. Have Verified Your Identity and approved by us as per our Know-Your-Customers policy.
You are responsible for ensuring, and you warrant, the truthfulness, accuracy, and completeness of all information provided in your request to receive the Transfer Amount and/or when using the Transfer Credit Service, including but not limited to the details of your designated Izzpay Wallet, Cards and related services. In addition, you represent and warrant that you are the intended recipient of the Transfer Amount and that you are the legal and beneficial holder of the designated Izzpay Wallet, Cards and related services to which the Transfer Amount is to be credited.
We shall be entitled, at our absolute discretion, to reject or refuse to process any request to receive the Transfer Amount and shall not be required to give any reason for the same.
Following verification of OTP, we shall endeavor to credit the Transfer Amount to your Izzpay Wallet and Cards.
If the Transfer Credit Transaction cannot be or is not completed for any reason, we shall not be liable to you with respect to the incomplete Transfer Credit Transaction, including without limitation, your non-receipt of the Transfer Amount.
We expressly exclude any guarantee, representation, warranty, condition, term or undertaking of any kind, whether express or implied, statutory or otherwise, relating to or arising from the use of the Transfer Credit Service or in relation to the processing of or any other matter relating to a request to receive the Transfer Amount. Without prejudice to the foregoing, your possession or provision of the Security Code does not amount to a representation or warranty by us that it will, and does not impose any obligation on us to, credit the Transfer Amount to your Izzpay Wallet and Cards and we do not represent or warrant that:
a. The One Time Password (“OTP”) sent to your mobile is invalid or has ceased to be valid.
b. any information provided by you is invalid or incorrect.
c. The Transfer Credit Service will meet your requirements.
d. The Transfer Credit Service will always be available, accessible, function or inter-operate with any network infrastructure, system or such other services as we may offer from time to time.
e. Your use of the Transfer Credit Service or our processing of a request to receive the Transfer Amount will be uninterrupted, timely, secure or free of any error, including without limitation that you will receive the Transfer Amount or that you will receive the Transfer Amount in a timely manner.
You acknowledge and agree that, to the extent permitted under applicable law, we shall not be liable to you for any and all losses, liabilities, costs, expenses, damages, claims, actions or proceedings of any kind whatsoever (whether direct, indirect or consequential) in respect of any matter of whatever nature and howsoever arising (whether in contract, tort, negligence or otherwise) in connection with:
a. The provision by us of or your use of the Transfer Credit Service;
b. The processing of a request to receive the Transfer Amount;
c. Any Transfer Credit Transaction being considered as incomplete or any Transfer Amount failing to be credited to your designated Cards Account or transferred to a recipient other than you, whether or not arising from: (A) your negligence, misconduct or breach of any of these Terms (including as a result of inaccurate information being provided by you); or (B) any failure, refusal, delay or error by any third party or third party system through whom or which the Transfer Credit Transaction is made.
d. The use in any manner and/or for any purpose whatsoever by any person at any time whatsoever and from time to time of any information or data relating to you, provided by you in the course of using the Transfer Credit Service; and/or obtained through your use of the Transfer Credit Service.
e. Any event the occurrence of which Cards is not able to control or avoid by the use of reasonable diligence.
f. The suspension, termination or discontinuance of the Transfer Credit Service.
We shall not be liable and you agree to indemnify use and keep us indemnified against any consequences, claims, proceedings, losses, damages or expenses (including all legal costs on an indemnity basis) whatsoever and howsoever caused that may arise or be incurred by us in providing the Transfer Credit Service, whether or not arising from, or in connection with and including but not limited to the following:
a. Any improper or unauthorised use of the Transfer Credit Service by you.
b. Any act or omission by any relevant mobile or internet service provider.
c. Any delay or failure in any transmission, dispatch or communication facilities.
d. Any access (or inability or delay in accessing) and/or use of the Transfer Credit Service.
e. Any breach by you of any warranty under or provision of these Terms.
To the extent that any of the limitations set out above are not permitted by law, our liability to you arising from, or in respect of the Transfer Credit Transaction, whether in contract, tort (including negligence or breach of statutory duty) or otherwise for any and all losses, damages or liabilities caused or arising from, or in relation to, the Transfer Credit Service and/or under or relating to these Terms shall not exceed the value of the Transfer Credit Transaction.
Licence. In consideration of your agreement to abide by these Terms and Conditions and to pay the Fees, we hereby grant you a personal, non-exclusive, non-transferable and revocable licence to access and use the Izzpay Walletapplication, Cards our website and related services (including to download and use the Apps on a device that you own or control) subject to and in accordance with these Terms and Conditions.
The Izzpay application and Izzpay Walletwebsite, Cards and related services, the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by affiliates, our third parties, or us. All rights, title and interest in, and to the Izzpay application, Izzpay Walletwebsites, Cards and related services shall remain our property and/or the property of such other third parties.
The Izzpay application, Izzpay Walletwebsite, Cards and related services may be used only for the purposes permitted by these Terms and Conditions or described on our Izzpay Walletwebsite, Izzpay application. You are authorized solely to view and to retain a copy of the pages of the Izzpay Wallet website and Izzpay application for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Izzpay Wallet website and Izzpay application, related service or any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the Izzpay Wallet website and Izzpay application or the related services; and/or (b) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Izzpay Wallet website and Izzpay application (or printed pages of the website). The name Izzpay and other names and indicia of ownership of our products and/or services referred to on the Izzpay Wallet website and Izzpay application are our exclusive marks or the exclusive marks of other third parties. Other product, service and company names appearing on the website may be trademarks of their respective owners.
Cards, Izzpay Wallet and related services, including services and products are our sole properties and/or its licensors and are subject to our existing policies, rules, and regulations. Izzpay Wallet, Cards and related services are protected by copyright, trade secret and other intellectual property laws. We, and/or our licensors, own the title, copyright and other worldwide intellectual property rights in all services relating to Cards, Izzpay Wallet and related services. Using Izzpay Wallet, Cards and related services does not grant you any rights to our trademarks or service marks.
For the purpose of these Terms and Conditions, intellectual property rights shall mean all patent rights, copyright rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights as may now exist or hereafter come into existence, and all applications and registrations, renewals and extensions thereof, under the laws of India and any country, territory or other jurisdiction.
You may choose to, or we may invite you to submit comments or ideas about Cards, Izzpay Wallet and related services, including but without limitation about how to improve any service or product. By submitting any idea, you agree that your disclosure is gratuitous, unsolicited and without restriction and shall not place us under any fiduciary or other obligations, and that we shall be free to use the idea without any additional compensation to you, and/or to disclose the idea on a non-confidential basis or otherwise to anyone.
All notices and documents required to be given by us to you shall be sent by any one of following methods:
a. Ordinary or registered post to your last known address according to our record
b. Electronic mail to your last known electronic mail address according to our record
c. Posting notice or communication on the Cards website
d. Notices placed with, or in, any of the Cards written communications to you
e. Phone call to your last known phone number according to our records.
f. Notices placed through any media.
g. Any manner of notification that we may, at our absolute discretion, determine.
Unless otherwise expressly provided in writing, our notices and communications to you are effective:
a. If sent by post to an address within your country, the following business day after posting;
b. If sent by post to an address outside of your country, 5 business days after posting.
c. If sent by fax, electronic mail or SMS, at the time of transmission.
d. If sent by hand, at the time of delivery or when left at the address.
e. If posted on our Website, on the date of display or posting.
f. If advertised in the newspaper, on the date of advertisement.
g. If broadcast via radio or television, on the date of broadcast.
We may inform you about promotional offers through mail, email, fax, SMS, telephone, or any other means of communication. You agree that we and our affiliates, and third parties selected by any of them can offer specially selected products and services to you through any means of communication provided above. For this purpose, you agree that we may transfer and disclose customer information to our affiliates and third parties selected by any of them.
Third parties’ services and links to other websites. You may be offered services, products and promotions provided by third parties and not by us. If you decide to use these services, you shall be responsible for reviewing and understanding the terms and conditions associated with these services. You agree that we are not responsible for the performance of these services.
Our website may contain links to third parties’ websites as a convenience to you. The inclusion of any website link does not imply an approval, endorsement, or recommendation by us. You agree that you access any such website at your own risk, and that the site is not governed by the terms and conditions contained in these Terms and Conditions. We expressly disclaim any liability for these websites.
If you wish to be excluded from the recipient lists for our promotional offers, or find any incorrect entry in the information held by us or in the information provided by us to a consumer reporting or reference agency, you have to immediately write to:
Entritt Solutions Private Limited
Entritt Solutions Private Limited , Plot D 258 , G R Tower , 3rd Floor , Sector 75 Mohali , 160055 or send an email to firstname.lastname@example.org
You agree and consent to the sending by us and our affiliates of broadcast and push messages as well as notices and announcements to you via SMS/email blast/mobile notifications and other channels. However, should you opt not to receive these messages, you may make a request to that effect by following the opt-out instructions regularly sent by us to you.
You shall comply with all laws and regulations related to the use of stored value facilities and the current Anti-Money Laundering/Counter-Terrorism Financing legislation of your residence country.
You shall comply with all laws and regulations related to the use of set Remittance facilities and the current Anti-Money Laundering/Counter-Terrorism Financing legislation required.
Izzpay Wallet, Cards and related services are provided on an “as is” and “as available” basis. We do not warrant (i) the accuracy, adequacy or completeness of Izzpay Wallet, Cards and related services, and expressly disclaim any liability for errors, delays or omissions in the website, or for any action taken in reliance on the website; (ii) that Izzpay Wallet, Cards and related services will be provided uninterrupted or error-free, virus-free, free from other invasive or damaging code, or that any identified defect will be corrected, nor that Izzpay Wallet, Cards and related services and the website are free from any computer virus or other malicious, destructive or corrupting code, agent, program or macros (iii) the installation or use of the Izzpay Walleton any device will not affect the functionality or performance thereof; (iv) that the transmission of information through the website, Izzpay Walletapplication, Cards and related services will be entirely secure; (v) the use of the website, Izzpay Walletapplication, Cards and related services will not give rise to any liability at law or under contract. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, Merchantability, satisfactory quality or fitness for a particular purpose, is given in conjunction with Izzpay Wallet, Cards and related services. In particular, you should be aware that where Services are initiated or accessed via SMS, your mobile network operator’s confirmation that any SMS you have sent has been sent to us or our Service Provider, does not guarantee that we have executed, or even received, the Electronic Instructions contained within such SMS.
We may, from time to time and without giving any reason or prior notice, upgrade, modify, suspend or discontinue the provision of, or remove, whether in whole or in part, Izzpay Wallet, Cards and related services or any information, functionalities, services or products provided therein, and shall not be liable if any such upgrade, modification, suspension or removal prevents you from accessing Izzpay Wallet, Cards and related services or associated information, functionalities, services or products.
Risks and expenses relating to the use of the Internet and other telecommunication systems: We do not warrant the security of any information transmitted by you or to you through Izzpay Wallet, Cards and related services and you accept the risk that any information transmitted or received through Izzpay Wallet, Cards and related services may be accessed by unauthorised third parties. Transactions over the Internet as well as messages sent via SMS are never completely private or secure, and that it is possible that the data on the Izzpay Walletwebsite, Izzpay application, Cards and related services (including the Login Details, User Content and Personal Data) may be mistakenly released, lost, hacked, intercepted or accessed by unauthorised users or may be subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the public nature of the Internet and the SMS system. You shall be responsible for obtaining and using the necessary services, software and/or device, hardware and/or equipment necessary to obtain access to Izzpay Wallet, Cards and related services at your own risk and expense (including all costs levied by your mobile network operator).
Exclusion of liability: To the fullest extent permissible under law, we hereby disclaim all liability to you or any other person for any loss, damages or expenses whatsoever, or howsoever, caused, and regardless of the form of action (including tort or strict liability) arising directly or indirectly in connection with any access, use or inability to use Izzpay Wallet, Cards and related services, or reliance on any Materials, even if we or our agents or employees may have been advised of, or otherwise might have anticipated, the possibility of the same. We shall not at any time be liable for indirect or consequential losses, damages or expenses, even if foreseeable, within our contemplation or if we may have been advised of, or otherwise might have anticipated, the possibility of the same.
Information available through Izzpay Wallet, Cards and related services: Information displayed at Izzpay Wallet, Cards and related services or sent to you in connection with Izzpay Wallet, Cards and related services, may be from a variety of sources. All data and/or information contained in Izzpay Wallet, Cards and related services or sent to you in connection with Izzpay Wallet, Cards and related services is provided for informational purposes only. We make no representations as to the accuracy, timeliness, adequacy or commercial value of all such information and/or data. You should not act on data or information obtained through Izzpay Wallet, Cards and related services or sent to you in connection with Izzpay Wallet, Cards and related services, without first independently verifying its contents.
In the event that we are liable for damages despite the foregoing provisions, you agree that (i) no action, whatever its form, may be brought by you more than two (2) months after the date of the first event giving rise to your claim, and (ii) that our maximum aggregate liability to you under any and all causes of action (including contract and tort), shall not exceed the total amount of Fees paid by you to us during the two (2) month period immediately preceding the date of the first event giving rise to your claim.
IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES WHETHER CAUSED BY NEGLIGENCE ON THE PART OF OUR EMPLOYEES, SUPPLIERS OR AGENTS OR OTHERWISE, BEYOND THE SUM OF INR 500. IN NO EVENT SHALL WE OR OUR AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE.
No failure or delay on the part of us in exercising any right or power given here shall operate as a waiver of that right or power, and nor shall any partial or single exercise of any such rights or powers preclude any of the other rights or powers provided here. Moreover, no waiver by us or any of its rights or powers under this Cards agreement shall be deemed to have been made unless expressed in writing and signed by its duly authorized representative.
You undertake to notify us of any additional means of communicating with you aside from those disclosed in your Cards application. Pursuant to such undertaking, you authorize us at its discretion but without any obligation to do so, to secure information from third parties such as, but not limited to, utility companies, insurers, and financial intermediaries, and to receive information on how and where you can be contacted.
You agree that we, without notice to you, may assign, discount, or otherwise transfer part of all of its rights or obligations here or under any Cards transaction. In the event of such assignment, you irrevocably agree not to assert against the assignee set-off rights of any obligation that may be owed by us to you. You may not assign your rights and obligations under these Terms and Conditions without our prior consent.
Any complaint regarding your Izzpay Wallet and Cards or their use, or both, shall be communicated to our Support Mail id – email@example.com or other means in accordance with these Terms and Conditions. If we deem necessary, we will conduct an investigation of the complaint for its prompt resolution and communicate its findings to you. You agree to fully cooperate with any such investigation by providing the necessary or required data, information, and documents. (a) You must resolve any complaint against any Merchant or other party directly with them. You cannot set-off against us any claim you have against them. If there is a dispute with any Merchant in respect of a payment, a refund for the transaction will be made to you only after the Merchant has refunded the payment to us.
The Izzpay wallet linked to your Cards is not a deposit account and is not covered by the Law on Deposit Insurance of the Country.
If any provision of the Terms and Conditions is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavour to give appropriately valid effect to the intention of the Terms and Conditions as reflected in the provision, and the other provisions of the Terms and Conditions shall remain in full force and effect.
IZZPAY and you shall attempt to resolve any controversy or claim arising out of or relating to the creation, performance, termination and/or breach of these Terms and Conditions in the first instance through good faith negotiation or mediation between the parties. Any claims or disputes arising from or related to these Terms and Conditions shall be resolved through binding arbitration via the India International Arbitration Centre located in India and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Notwithstanding the foregoing, and solely with respect to breaches or threatened breaches of these Terms and Conditions, either party to these Terms and Conditions may seek a temporary restraining order and injunction to protect its legal rights or interests, without the need to post bond in any court having jurisdiction.
Governing laws. These Terms and Conditions and any and all amendments thereto shall be governed by and construed in accordance with the substantive laws of India, without reference to its conflicts of law provisions.
Act in good faith. We may act on any instruction we believe has been given in good faith by you according to the operating mandate.
Indemnity. You agree to indemnify us and all our servants, employees, nominees, directors and agents for any loss and embarrassment suffered by us (other than such loss and embarrassment arising from us or our employees’ and agents’ willful misconduct or negligence) in connection with:-
a. Any Izzpay Wallet, Cards and related services, related services or transaction.
b. Acting on or carrying out or delaying or refusing to act on any instruction you give us.
c. Searches and enquiries we make in connection with you, or a security provider.
d. The provision of any service to you and the performance of our functions.
e. Any service provided by any third party.
f. Any default or the preservation or enforcement of our rights under the terms of these Terms and Conditions or any other applicable terms and conditions in connection with any Cards or related services or as a result of your non-compliance with any of these terms.
g. Any action by us or any party against you relating to any Cards, Izzpay Wallet, Cards and related services, or services.
h. Any involvement by us in any proceeding of whatever nature for the protection of or in connection with the Cards, Izzpay Wallet, Cards and related services or services.
i. Our compliance with any existing or future law or regulation or official directive in respect of any of these terms.
j. Taxes payable by us in connection with your Izzpay Wallet and Cards.
k. Any increased cost in our funding if there is a change in law or circumstances..
Waiver. Any failure or delay by us in exercising or enforcing any right we have under the terms of these Terms and Conditions does not operate as a waiver of and does not prejudice or affect our right to subsequently act strictly in accordance with our rights.
Illegality. We may close and revoke any Izzpay Wallet, Cards and related services or related services with or without notice to you if, because of any change to any applicable law, regulation, regulatory requirement or judicial decision, or in our opinion, maintaining or performing any obligation under the terms in these Terms and Conditions becomes illegal, or we are otherwise prohibited from doing so. If this happens, you must pay us all liabilities on demand.
General Construction and Interpretation. In our opinion: when we determine a matter in our opinion, the determination is made at our absolute discretion. When we act or refuse to act: on any matter including any instruction or transaction, we do not need to provide any reason for our act or refusal unless required by the law. Timing: if we receive any instruction on a non-business day or after the specified clearance or cut-off times, we may treat the instruction as received on the following business day.
Amendments. We reserve the right to amend these Terms and Conditions at any time and for whatever reason it may deem proper, and any such amendment shall be binding upon notice to you by publication or other means of communication, electronic or otherwise. This is unless you object to those amendments by manifesting the intention to terminate your membership in writing within Seven (7) days from notice of the amendment. Your failure to notify us about this intention to terminate your membership as provided, and your continued use of your Cards, Izzpay Wallet and related services, or both, shall be taken as your conclusive acceptance of the amendments.
The Cards, Izzpay Wallet and related services may contain links (including advertising links) to other independent third-party websites (“Third Party Sites”). Third Party Sites are not under our control, and we are not responsible for and do not endorse their advertisements, content, any goods or services which they may provide, or their privacy policies (if any). You will need to make your own independent judgment regarding your interaction with any Third Party Sites, including the purchase and use of any products or services accessible through them. Third party applications, websites, platforms, software, social networks and services (including App Store, Google Play, Facebook, Google+) (“Third Party Services”) may be accessed or used by you or in the course of your use of the Cards, Izzpay Wallet and related services (including the download thereof). We may also use Third Party Services in the course of and for the purpose of providing you with the use of the Cards, Izzpay Wallet and related services. You shall ensure that your access and use of Third Party Sites and Third Party Services complies with their applicable terms and conditions.
Sub-contracting and delegation: We reserve the right to use any service providers, subcontractors, and/or agents on such terms as we think appropriate.
Force Majeure: We shall not be liable for any non-performance, error, interruption or delay in the performance of its obligations or in Izzpay Wallet, Cards and related services’ operation, or for any inaccuracy, unreliability or unsuitability of the Materials or any of Izzpay Wallet, Cards and related services’ contents if this is due, in whole or in part, directly or indirectly to an event or failure which is beyond its reasonable control (which includes without limitation acts of God, natural disasters, acts of any government or authority, power failures, and the acts or a party for whom we are not responsible for).
We take security very seriously at Izzpay, and we work hard, using state-of-the-art security measures, to make sure that your information remains secure. The Izzpay Service is a safe and convenient way to send money to friends and family and to other people that you trust. However, we do advise you to consider very carefully before sending money to anyone that you do not know well. In particular, you should be very cautious of deals or offers that seem too good to be true – they may be scams. If you are aware of anyone or any entity that is using the Service inappropriately, please email us using our contact form. Similarly, if you receive any emails, purporting to be from us, which you suspect may be “phishing” (fake) emails, please forward them to us using our contact form.
By accepting the Terms through your use of the Platform, you certify that you are 18 years of age or older. If you are under the age of 18 or under the legal age in your jurisdiction to enter into a binding contract you may use the Platform only under the supervision of a parent or legal guardian who agrees to be bound by the Terms. If you are a parent or legal guardian agreeing to the Terms for the benefit of a child below 18, be advised that you are fully responsible for his or her use of the Platform, including all financial charges and legal liability that he or she may incur. By using the Platform, you represent and warrant that you have the right, authority, and capacity to enter into the Terms and to abide by all of the terms and conditions set forth herein. The Program/Courses/Courses are not for the use of individuals under the age of 18 years. Izzpay may freely transfer or assign any portion of its rights or delegate its obligations under these Terms or any Program/Course specific terms. You shall not transfer or assign, by operation of law or otherwise, any portion of your rights or delegate your obligations under these Terms or any Program/Course specific terms without the prior written consent of Izzpay. These Terms or any Program/Course specific terms shared with you, shall be governed by, construed and enforced in accordance with the laws of India, as it is applied to agreements entered into and to be performed entirely within India and without giving effect to any principles of conflict of laws. You agree that any legal lawsuit or other action brought by Izzpay, you or any third party to enforce these Terms or any Program/Course specific terms shared with you, or in connection with any matters related to the Platform or Program/Courses/Courses, shall be subject only to the jurisdiction of the courts of Mumbai. Where a dispute arises, the parties involved shall make all reasonable efforts to resolve the dispute through good faith negotiations. If efforts to amicably resolve any dispute or claim between the parties are unsuccessful, then such dispute or claim arising out of or in connection with the Terms or any Program/Course specific terms shared with you, including any question regarding its existence, validity or termination, shall be referred to arbitration under the Arbitration & Conciliation Act, 1956, as amended (“Act”) before a sole arbitrator to be mutually appointed by the disputing parties, failing which, the sole arbitrator shall be appointed in the manner provided in the Act. The proceedings shall be conducted in English and the seat for arbitration shall be Chandigarh. If any provision of the Terms or any Program/Course specific terms shared with you is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions herein, and shall not affect the validity and enforceability of any remaining provisions. Izzpay shall have no liability under these Terms or any Program/Course specific terms shared with you, to the extent arising from any failure of Izzpay to perform any of its obligations under these Terms or any Program/Course specific terms shared with you, due to any fire, flood, earthquakes, other acts of God, war, civil unrest, terrorism, Internet failures, governmental act or court order, national emergency, strikes or labor disputes or any other event not within Izzpay’s reasonable control. Izzpay shall not be responsible for damage or other problems caused by any unauthorized change to these Terms made by way of hacking or cracking this page. The failure of Izzpay to exercise or enforce any right or provision of the Terms or any Program/Course specific terms shared with you, shall not constitute a waiver of such right or provision. If any provision of the Terms or any Program/Course specific terms shared with you, is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, to the extent that may lawfully be done, and the other provisions of these Terms or any Program/Course specific terms shared with you, shall remain in full force and effect. These Terms or any Program/Course specific terms shared with you, constitute the entire agreement between you and Izzpay relating to the matters set forth herein, and shall not be modified except in writing, as posted on the Platforms by Izzpay or through a specific writing between you and Izzpay. Izzpay may freely transfer or assign any portion of its rights or delegate its obligations under the Terms or any Program/Course specific terms shared with you. You may not transfer or assign, by operation of law or otherwise, any portion of your rights or delegate your obligations under the Terms or any Program/Course specific terms shared with you, without the prior written consent of Izzpay, and any attempted such transfer or assignment shall be void and of no effect. Any notice or communication which may be required to be given to Izzpay under these Terms or any Program/Course specific terms shared with you, may be sent by writing or emailing to the following addresses:
I hereby agree that the information given is true, accurate and complete as of the date of this application submission. *
I authorize prospective Credit Grantors/Lending/Leasing Companies to obtain personal and credit information about me from my employer and credit bureau, or credit reporting agency, any person who has or may have any financial dealing with me, or from any references I have provided. This information, as well as that provided by me in the application, will be referred to in connection with this lease and any other relationships we may establish from time to time. Any personal and credit information obtained may be disclosed from time to time to other lenders, credit bureaus or other credit reporting agencies. *