We collect information after due consent from our users. ZipLoan does not share any information of users with a third party without specifically informing the users at the time of collection or without the express consent of users themselves. By providing your number to ZipLoan you are authorizing Ziploan and its representatives to give you a call to offer you our services for the product you have opted for, impart product knowledge and offer promotions running on the website/app. Irrespective of the fact that you have registered yourself under DND or DNC service, you are still authorizing ZipLoan and its representatives to give you a call for the above mentioned purposes. This is based on your active opt-in to receive promotional offers from ZipLoan and hence, there is no DNC check required for the number you have provided us through our Website or App.
ZipLoan reserves the right to perform statistical analysis of user behavior and preferences in order to measure users' relative interests in the various areas of the website/app for the purpose of product and service development. The analytical data that ZipLoan collects is for internal use only. We use analytics and reporting technologies to record non-personal information such as internet domain and host names, internet protocol (IP) addresses, browser software, operating system types, clickstream patterns, and the dates and times that the website/app services are accessed. We also contract with several online partners to help manage, monitor and optimize our website/app services to help us measure the effectiveness of our advertising, communications and how visitors use the website/app.
ZipLoan collects sensitive personal data/information after your due consent, such as your name, mailing address, phone number, email address, pan number, gst number, sms, phone details, phone contacts, location, call logs, income tax returns, bank account number, passport details, driving license details, personal statements, reasons for seeking finance, income sources and financial information, etc. ZipLoan uses this data for loan evaluation of applicants. Most small businesses do not have all the necessary documents and hence we supplement our underwriting process with the use of this data. The sensitive data collected by ZipLoan is stored with bank grade security.
ZipLoan also collect non-personal information such as browser type, the URL of the previous website you visited, your ISP, operating system, and your internet protocol (IP) address.
Unless ZipLoan specifically informs users at the time of collection, or unless users give express consent, ZipLoan does not provide any personal information to a third party that could be used for identification of a user. We may contract with various third parties to help us maintain and improve the website/app. We will use commercially reasonable efforts to prevent such third parties from accessing your personal information, except for the purpose of providing the services in question. However, if subpoenaed or ordered by a court of law, we have to disclose to the proper authorities the personal information of any individual user.
Linked sites are not under our control and ZipLoan will not be held responsible for the content or privacy policies of any linked sites or any links containing other linked sites.
All communications between your devices and ZipLoan website/app that contain any personal/sensitive information are encrypted and transferred over a secure protocol.
ZipLoan does not offer services to, or target, persons considered minor under the Indian laws i.e. children below 18 years of age. Services are intended for users aged 25 and above only. In compliance with the Indian laws, any personal information from individuals that are under the age of 18 will be purged from our database.
User is responsible for maintaining the security of his/her login id and password, and may not provide these credentials to any third party. If a user believes that these credentials have been stolen or been made known to others, he/she must contact ZipLoan immediately at firstname.lastname@example.org. ZipLoan is not responsible if someone else accesses a user’s account through registration information they have obtained from the user or through a violation of this privacy and security policy by the user.
The materials in ZipLoan website/app are provided 'as is' and without warranties of any kind either expressed or implied and to the fullest extent permissible pursuant to applicable law. Although Blue Jay Finlease Ltd., hereafter known as ZipLoan has made every attempt to ensure accuracy and reliability of the information disseminated on the site/app, any errors which may have crept in are accidental and are solely out of inadvertence. By accessing and browsing the site/app, you accept, without limitation or qualification, the terms of service of ZipLoan which retains the right to revise these rules at any time.
The website/app/app is intended for personal, non-commercial use. Users may not use this site/app in order to transmit, distribute, store or destroy material (a) in violation of any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy or publicity or personal rights of others.
ZipLoan (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for any damages or viruses that may infect your computer/phone or other property as the result of your access to the website/app or downloading of any content from the website/app.
ZipLoan hereby grants you permission to use the site/app as set forth in these terms of service provided that you will comply with all of them. You agree not to use, copy, modify, reformat, create derivative works, publicly display, download, store, reproduce, transmit, provide links to, republish, upload, post, reprocess or distribute any content on the site/app, including without limitation, the text, scripts, graphics, software, data, information, photos, and the like or use any content on the site/app for any commercial purposes. You may download material displayed on the site/app for non-commercial, personal use only. If you download material, you agree to maintain all copyright and other proprietary notices contained on the material.
If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. The Terms of Service and the relationship between you and ZipLoan will be governed by the laws as applicable in India. Any dispute(s) arising out of these Terms of Service will be handled in the competent courts of Delhi, India.
Customer service is extremely important for sustained business growth and as an organisation customer complaints constitute an important voice of customer.
Customer delight is our priority and we are committed to provide our customers best in class experience. Efforts are taken to give customers the best services. To address any grievances the customers are asked to record their complaints in the methods indicated below: Customers who wish to provide feedback or send in their complaint may use the following channels between 9:30 am and 6:00 pm, from Monday to Friday (except on public holidays).
Call our Customer Service Helpline on +91-011- 49854530
Visit at the below mentioned address:
Blue Jay Finlease Limited
608, Kailash Building, 26, K.G. Marg
Email us at email@example.com
Complaint register is available at our office where customers may record their complaint or concern. In case the complaint is not resolved within the given time or if the customer is not satisfied with the solution, or if the customer does not hear from us in 7 days, the customer can approach the Grievance Redressal Officer. The name and contact numbers of the Grievance Redressal Officer is as follows:
Mr Hardit Lamba
608, Kailash Building, 26, K.G. Marg
Email : firstname.lastname@example.org
(between 9:30 am and 01:00 pm, from Monday to Friday except on public holidays)
If the customer is not satisfied with the resolution received or if the customer does not hear from us in 30 days, then he may escalate his grievance to the regulator at the below address:
The Officer in charge/ General manager
Reserve Bank of India
Department of Non-Banking Supervision,
6, Parliament Street,
New Delhi - 110001
Suitable timelines have been set for every complaint depending upon the investigations which would be involved in resolving the same. Complaints are suitably acknowledged on receipt and the customers are informed of delays if any, in the resolution.
Periodic review of monitoring of complaints, TATs, nature of complaints is done to ensure that process loopholes if any are plugged and trends are checked.
BLUE JAY FINLEASE LIMITED (“ZIPLOAN” or the “Company”) has framed and adopted a voluntary Code, which promotes competition and encourages to achieve higher operating standards for the benefit of the customers, through fair practice standards as adopted by the Company which in turn leads to promoting a fair and cordial relationship between borrower /Customer and the Company. This Fair Practice Code (this “Code”) applies to BLUE JAY FINLEASE LIMITED (“ZIPLOAN” or the “Company”) and to all the products and services offered by the Company. It shall also apply to all the employees of the Company.
We pledge to act fairly and justly in all our dealings by adopting the following practices:
We will ensure you understand how our product and services work by:
We will deal quickly and sympathetically with things that go wrong by:
We have adopted the follo#e5e5e5wing fair practices code in relation to our lending activities:
We would carry out post-disbursement supervision in accordance with normal banking practice, the terms of sanction, and the guidelines issued by the Reserve Bank of India from time to time.
We will treat the personal information of customers/borrower as private and confidential even when they are no longer a customer. We will not reveal the personal information or details of the customers’ account to any third party, other than in the following four exceptional cases when: