Customer Consent Declaration

Effective Date: 01-April-2026

1. CUSTOMER DECLARATION AND ACCEPTANCE

By submitting a loan application through www.loanify.in, I voluntarily provide my consent to Loanify Finance, a unit of Lonify Takecare Services Association, for collecting, processing, verifying, and using my information for the purpose of evaluating and providing financial services.

I confirm that all information, documents, and details submitted by me are true, accurate, complete, and updated to the best of my knowledge.

2. PERSONAL INFORMATION CONSENT

I authorize Loanify Finance to collect and process my personal information including:

• Full Name
• Date of Birth
• Gender
• Mobile Number
• Email Address
• Residential Address
• Employment Information
• Income Details
• References provided by me

3. KYC DOCUMENT VERIFICATION CONSENT

I voluntarily provide consent to Loanify Finance to collect and verify my KYC information including:

• PAN details
• Aadhaar details (where voluntarily provided)
• Identity proof documents
• Address proof documents
• Photograph/Selfie

4. CREDIT BUREAU AUTHORIZATION AND CONSENT

I authorize Loanify Finance to access, obtain, verify, and analyze my credit information from authorized Credit Information Companies.

• CRIF High Mark
• Experian
• Other authorized credit bureaus

5. BANK STATEMENT AND FINANCIAL INFORMATION CONSENT

I authorize Loanify Finance to collect, review and analyze financial information voluntarily submitted by me including bank statements, salary credits, income details and transaction history.

6. EMPLOYMENT VERIFICATION CONSENT

I authorize Loanify Finance to verify employment related information submitted by me including employer details, employment status and salary information.

7. ESIGN AND DIGITAL DOCUMENTATION CONSENT

• Loan Agreements may be digitally executed.
• eSign completion represents acceptance of loan terms.
• Digitally signed documents shall be valid as permitted under applicable laws.

8. NACH / REPAYMENT AUTHORIZATION CONSENT

I consent to complete electronic repayment authorization processes including NACH or other approved payment mechanisms.

9. COMMUNICATION CONSENT

I authorize Loanify Finance to communicate through:

• Phone Calls
• SMS
• WhatsApp Messages
• Email
• Written Communication

10. THIRD-PARTY SERVICE PROVIDER CONSENT

Loanify Finance may share necessary information with authorized third-party service providers only for legitimate loan-related purposes.

11. REPAYMENT RESPONSIBILITY DECLARATION

• I am voluntarily availing the loan facility.
• I have understood repayment terms.
• I am responsible for repayment within agreed timelines.

12. RECOVERY AND LEGAL COMMUNICATION CONSENT

In case of non-payment or default, Loanify Finance may contact me regarding outstanding dues and initiate lawful recovery communication.

13. DATA PRIVACY ACKNOWLEDGEMENT

Loanify Finance does not access my mobile phone data, contacts, SMS, call logs, gallery, installed applications or device files.

14. TERMS & POLICY ACCEPTANCE

I confirm that I have read and agreed to Privacy Policy, Terms & Conditions, Refund & Cancellation Policy, Fair Practice Code and Loan Agreement terms.

15. FINAL CUSTOMER DECLARATION

• ☑ I voluntarily provide my information for loan processing.
• ☑ I authorize Loanify Finance to verify my details.
• ☑ I consent to credit bureau checks.
• ☑ I agree to digital documentation and communication.
• ☑ I understand my repayment obligations.