EaseMyDue (“Company”, “we”, “our”, “us”) is committed to protecting your privacy and securing your personal data. This Privacy & Data Security Policy explains how we collect, use, store, share, and safeguard your information when you access or use our website https://www.easemydue.com (“Website”) or any services offered through it.
By using our Website, you agree to the practices described in this Privacy & Data Security Policy. If you do not agree, please discontinue using the Website.
1. Consent
1.1. By using our Website, you expressly consent to the collection, use, processing, and disclosure of your information in accordance with this Privacy & Data Security Policy and our Terms of Use.
1.2. This Policy may be updated periodically. We encourage you to review it regularly to stay informed about how your data is protected.
1.3. You authorize EaseMyDue to communicate with you via email, phone calls, SMS, WhatsApp, RCS, and notifications for both service-related updates and promotional purposes, unless you opt out.
2. No Warranties
2.1. The Website, its content, and any software or features provided are offered on an “as is” and “as available” basis without warranties of any kind.
2.2. Although EaseMyDue adopts industry-standard security controls, we do not guarantee that the Website will always remain free from unauthorized access, malware, viruses, or data breaches.
3. Limitation of Liability
3.1. EaseMyDue or its affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use or inability to use the Website, even if advised of such possibilities.
3.2. If liability is ever established, it will be limited to the service/transactional fees, if any, paid by you to EaseMyDue for use of our services.
4. Security Measures
4.1. We store and process your personal information only for the services you voluntarily opt for, such as debt consolidation, EMI restructuring, or credit assessment.
4.2. Sensitive information is stored securely and shared only with regulated financial institutions (Banks/NBFCs) after obtaining your explicit consent.
4.3. Our servers are hosted on secure, industry-standard cloud infrastructure with encryption and compliance frameworks (e.g., PCI-DSS, ISO standards).
5. Unlawful Use
5.1. EaseMyDue may investigate suspected violations of this Policy and take appropriate action, including reporting to law enforcement or regulatory authorities.
5.2. We may disclose user information when required by law or in connection with fraud prevention, security breaches, or misuse of our platform.
6. Governing Law & Jurisdiction
6.1. Use of this Website shall be governed by Indian law.
6.2. You agree to the exclusive jurisdiction of courts located in Kolkata, India for any disputes arising from this Policy.
7. Sharing of Personal Information
We share information only under these conditions:
7.1 With Consent
- With partner Banks/NBFCs for underwriting, loan evaluation, or service fulfillment.
- With third-party service providers assisting in delivering our services.
7.2 Permitted Uses
We use your data to:
- Verify your identity and assess eligibility.
- Provide the services you request.
- Personalize your experience on the Website.
- Improve our platform and offerings.
- Send you relevant offers, updates, and communications.
- Prevent fraud, abuse, or unauthorized activities.
- Comply with applicable law and regulatory guidelines.
7.3 Sharing With Partners
EaseMyDue may share personal data with:
- Regulated financial institutions (NBFCs/Banks).
- Technical and analytics partners.
- Service providers who assist us in operations, communications, and compliance.
These partners cannot use your data for any purpose other than the services provided to EaseMyDue.
7.4 Regulatory or Legal Requirements
We may disclose information to comply with:
- Court orders
- Law enforcement
- Regulatory authorities
- Audits
7.5 Communications Consent (TRAI/DLT Compliance)
By providing your contact details, you authorize EaseMyDue to contact you through:
- Calls (including automated/IVR)
- SMS
- App notifications
You may withdraw consent anytime by replying STOP or using the unsubscribe link.
8. Cookies
8.1. EaseMyDue uses cookies to enhance user experience, improve Website performance, and enable secure logins.
8.2. Cookies do not store personal, identifiable information.
8.3. You may decline cookies through browser settings, but certain features may not function properly as a result.
9. User-Generated Content
9.1. Any content posted by you on the Website becomes publicly visible and may be used by others.
You are solely responsible for such posted content.
10. Contact Information
For support or questions:
📩 support@easemydue.com
11. Data Collected by EaseMyDue
We collect only the minimum data necessary for delivering our services, including:
- PAN details (for identity verification and credit assessment)
- KYC documents (for partner NBFC compliance)
- Employment and income information
- Contact details (phone, email, address)
This information is processed solely for eligibility checks, risk assessment, and fulfillment of services requested by the user.
12. Data Minimization & Access Restrictions
EaseMyDue strictly follows RBI Digital Lending Guidelines & IT Act practices.
We DO NOT collect or access:
- Biometric data
- Call logs
- Contact lists
- Camera or microphone access
- Photos, media, or local storage files
- GPS/location unless explicitly required
Only data required for legally compliant credit assessment is collected.
13. Grievance Officer
In accordance with Indian IT Rules:
Email: grievance@easemydue.com
Working Hours: Mon–Fri, 10 AM – 6 PM
14. Data Retention & Deletion
14.1. EaseMyDue retains data only as long as required for:
- Service delivery
- Regulatory compliance
- RBI Digital Lending directions
- Tax & audit requirements
14.2. Upon expiry of the retention period, data is securely deleted or anonymized.
14.3. You may request deletion of your data by writing to support@easemydue.com. Certain information may still be retained as required by law.
15. Data Protection Compliance
EaseMyDue follows:
- RBI Digital Lending Framework
- IT Act 2000 and SPDI Rules
- CICRA (for credit data handling)
We ensure:
Controlled data sharing strictly on a need-to-know basis
Lawful, transparent data collection
Accuracy and correction rights
Encryption and secure data storage
Confidentiality through strict access controls