Effective Date: 1 August 2021
Last updated: 9th September 2025
Inditab Esolutions Private Limited ("EaseMyDeal", "we", "us") values your privacy and ensures that your personal information is handled with the highest standards of care. This Privacy Policy governs your information when you use our platform—whether via website, mobile app, APIs, or white-label integrations—and is an integral part of our Terms & Conditions.
1.1 This Privacy Policy is incorporated by reference into the Terms & Conditions and governs data handling procedures; for service performance, refunds, and dispute forums, refer to the T&C. Covers all EaseMyDeal users accessing services like: recharges, bill payments (BBPS), credit card payments, gold & gift PPI, loans, travel bookings, wallet services, and micro-transactions.
1.2 When accessed via partner whitelabel or API integrations, partner terms govern service delivery; EaseMyDeal's data processing remains strictly limited to disclosed purposes and subject to contractual safeguards with partners.
2.1 Personal Identifiers: Name, Mobile No, Email ID, date of birth, contact details, KYC documents (PAN, Masked Aadhaar, etc.), device identifiers, IP address, and login credentials. Device identifiers and IP addresses are collected for security, fraud prevention, session management, and regulatory audit trails.
2.2 Transactional & Behavioral Data: Recharge & bill details, credit card/loan applications, travel itineraries, transaction histories, geolocation, app usage patterns.
2.3 Sensitive Data: Masked Aadhaar, encrypted financial credentials, and medical or health data if availed via services.
2.4 Cookies & Tracking Data: Session cookies, behavioral analytics, marketing pixels, and device fingerprints.
3.1 Consent: By default, opt-in for data use beyond service delivery (e.g., marketing, personalization).
3.2 Performance of Contract: Necessary for executing service agreements between the User and EaseMyDeal or third-party providers. Essential transaction facilitation, KYC/AML verification, dispute handling, and settlement processing are performed on the basis of executing the service agreement between the User and EaseMyDeal or third-party service providers.
3.3 Regulatory Compliance: Obligations under RBI, NPCI, IT Act 2000, DPDP Act 2023, SEBI, and more. Regulatory compliance (RBI, NPCI, FIU, IT Act 2000, DPDP Act 2023, SEBI, and other applicable laws) constitutes a legal obligation that permits processing without consent where required by law.
3.4 Legitimate Interests: Improving platform security, preventing fraud, and optimizing service delivery—unless overridden by User rights.
5.1 Service Execution: Shared with banks, NBFCs, issuers (gold/gift PPI), partners (travel, bill payment), and credit bureaus.
5.2 Registered Consent: For loan facilitation services (sharing credit reports, scores) -- User must provide informed consent, retractable anytime.
5.3 Legal & Risk: Disclosed to regulators, law enforcement, or courts under lawful demand; suspicious activity reports may be filed without prior notification to the User.
5.4 Corporate Transfers: In mergers or acquisitions, data will be transferred under equivalent protection.
5.5 No Third-Party Sale: User data will not be sold, rented, or traded.
Strictly segregated: necessary, analytics, performance, functional, and marketing cookies.
Users must be 18+. We do not knowingly collect data from minors. Use of the platform by minors is only under parental/guardian supervision.
Compliant with DPDP:
Structured policies ensuring Confidentiality, Integrity, and Availability. Managed by a Risk Management Committee with regular board reporting.
Data shared via APIs only under strict agreements, limiting access to specific data elements and purposes. Logs are maintained for audit and tracking.
Policy updated periodically. Significant changes announced via in-app notification or email, with "Last Updated" timestamp prominently displayed.
EaseMyDeal — Terms & Conditions
Effective date: 1st August 2021
Last updated: 9th September 2025
Company: Inditab Esolutions Private Limited ("EaseMyDeal", "we", "us", or "our")
Platform: www.easemydeal.com and the EaseMyDeal mobile applications on iOS and Android (together, the "Platform").
Table of Contents
Introduction; Acceptance of Terms
Definitions
Scope of the Platform & Services Offered
Eligibility; Account Registration; KYC
User Representations, Warranties & Responsibilities
Payment Processing, Fees, Taxes & Settlement
Service-Specific Terms (detailed)
7.1 Mobile & DTH Prepaid Recharges
7.2 BBPS / Bharat Connect Bill Payments
7.3 Travel Bookings (Flight, Hotel, Bus)
7.4 Rent Payments, Education Fee Payments, Business/Professional Fee Payments
7.5 Credit Card Comparison & Apply (Affiliate Redirection)
7.6 Loan Comparison & Apply (Affiliate Redirection)
7.7 Credit Report Fetch, Analysis & Advisory (Experian and other Partnership)
7.8 GoVIP Membership (Website-only Membership)
7.9 Digital Gold & Gold FD+ (Augmont Partnership)
7.10 Gift Cards & Gift PPI (Pine Labs Partnership)
Refunds, Cancellations & Dispute Escalation Procedures
Intellectual Property; User Content; License Grants
Third-Party Services, Links & Marketplace Nature
Prohibited Uses
Suspension, Termination & Account Closure
Security; Fraud; Fraud Prevention; Account Recovery
Privacy & Data Use
Representations by EaseMyDeal; Disclaimer of Warranties
Indemnity (User Indemnity)
Force Majeure
Limitation of Liability (Extensive Disclaimer)
Notices; Communications
Modification of Terms; Updates
Assignment
Governing Law; Dispute Resolution; Jurisdiction
Severability; Waiver; Entire Agreement
Contact & Grievance Redressal
Annex A — Suggested flow for refunds and dispute escalation
1. Introduction; Acceptance of Terms
1.1 These Terms & Conditions ("Terms") govern your access to and use of the Platform and any services made available through the Platform, including but not limited to mobile/DTH recharges, bill payments, travel bookings, membership services, financial product comparison and redirection, digital gold, gift cards, and credit report services. By using the Platform in any way (including browsing, creating an account, making a purchase, or otherwise accessing any content, functionality, or services), you accept and agree to be bound by these Terms.
1.2 These Terms form a legally binding agreement between you and Inditab Esolutions Private Limited. If you do not agree with these Terms, you must immediately stop using the Platform.
1.3 EaseMyDeal is a marketplace/technology facilitator and does not itself provide the underlying third-party services unless expressly stated. By proceeding, you agree to receive electronic records and notices as permitted by law.
2. Definitions
For the purposes of these Terms, the following words and phrases shall have the meanings set out below:
"Account" means a user account registered on the Platform.
"User", "You", and "Your" mean any individual or entity using the Platform.
"Service(s)" means any goods or services offered through the Platform, including the list in Section 3.
"Service Provider" means any third party (including but not limited to telecom operators, DTH operators, banks, NBFCs, aggregators, travel suppliers, OTT providers, card issuers, billers, gold sellers, gift card issuers, payment gateways, and credit bureaus) that provides the underlying products or services.
"BBPS" means Bharat Bill Payment System.
"Affiliate Partner" means a third party with whom EaseMyDeal has a commercial referral or affiliate arrangement.
"GoVIP" means the membership product sold on the Website offering bundled OTT subscriptions and other benefits.
"Digital Gold" and "Gold FD+" refer to gold purchase and gold-based fixed deposit-like products offered via a partner platform.
Grievance Officer: The officer designated under applicable Rules to address user complaints and grievances. Refer to https://www.easemydeal.com/grievance-policy/ for the detailed policy.
3. Scope of the Platform & Services Offered
3.1 The Platform provides a digital marketplace and facilitation services through which Users may access, compare, and/or purchase the following services (hereafter each a "Vertical"):
Mobile and DTH Prepaid Recharges.
All kinds of Bill payment services are provided through BBPS/Bharat Connect or third-party aggregators.
Travel bookings — Flight, Hotel, Bus.
Rent Payments, Education Fee Payments, Business Services / Professional Fee Payments.
Compare and apply to 100+ Credit Cards from 15+ Banks.
Compare and apply for loans with 21+ NBFCs and banks.
Credit report fetching, analysis, and advisory (in tie-up with Experian).
GoVIP Membership by RIGARO EWORKS LLP— website-only offering including multiple OTT subscriptions and EaseMyDeal exclusive codes.
Digital Gold & Gold FD+ (in partnership with Augmont Gold).
Gift Cards/ Gift PPI (in partnership with Pine Labs).
3.2 For third-party Partnerships, EaseMyDeal acts solely as a facilitator; the counterparty’s terms govern delivery, quality, and service levels.
3.3 The Platform may offer additional products and services from time to time. Those will be governed by these Terms and any specific terms applicable to that product.
4. Eligibility; Account Registration; KYC
4.1 Eligibility: You must:
Be 18 years of age or older and legally capable of entering into binding contracts in the country of your residence.
Provide accurate, current, and complete information during registration and keep that information up to date.
4.2 Registration: You may be required to register for an Account to use certain features. You will choose a unique login ID. You are solely responsible for maintaining the confidentiality of your Account credentials and for all activity that occurs under your Account.
4.3 KYC & Verification: For certain services (including but not limited to financial products, high-value transactions, certain bill payments, digital gold purchases, and card/loan applications), EaseMyDeal or its partners may require KYC, Video KYC, or identity verification. You hereby authorize EaseMyDeal and its partners to collect, verify, and store KYC-related documents and information. KYC requirements vary by partner and by product and may require sharing data with third-party KYC or verification agencies.
4.4 Single User & Prohibited Multiple Accounts: You shall not create multiple accounts for any fraudulent purpose, gaming promotions, evading blocks, or chargeback abuse. EaseMyDeal may, at its sole discretion, restrict or suspend accounts that appear to be used for abusive or illicit activity.
5. User Representations, Warranties & Responsibilities
By using the Platform, you represent and warrant that:
All registration information you submit is true, accurate, complete, and you will maintain it.
You will use the Platform only for lawful purposes and in compliance with these Terms.
You will not impersonate any person or entity or provide false information to obtain a service.
You consent to receive communications from EaseMyDeal and its service providers (including transactional/promotional SMS, e-mails, and push notifications) related to your Account and Transactions.
Users agree not to share OTP/CVV with anyone, including support; EaseMyDeal staff will never request these
You are solely responsible for the consequences of any misuse of the Platform by you or persons using your Account.
6. Payment Processing, Fees, Taxes & Settlement
6.1 Payment Gateways & Partners: All monetary transactions initiated on the Platform are routed and processed by third-party payment processors and gateways. EaseMyDeal does not hold, custody, or otherwise control funds except to the extent necessary for reconciliation and settlement with partner providers. Funds are processed in accordance with the payment gateway and issuing bank rules.
6.2 Pricing & Fees: The price you see at the time of purchase is the final price payable unless otherwise stated. Prices may include convenience fees, partner fees, GST, or other taxes/charges. EaseMyDeal may charge facilitation or convenience fees for certain services; such fees are disclosed prior to payment.
6.3 Taxes: You are responsible for any taxes, duties, or levies applicable to your transactions. EaseMyDeal may collect and remit applicable taxes as required by law. All prices quoted may specify whether taxes are included or excluded.
6.4 Refunds & Chargebacks: Refunds, reversals, cancellations, and chargebacks are governed primarily by the underlying service provider’s policy and the payment gateway / issuing bank rules. EaseMyDeal will facilitate communications and provide information in respect of refunds, but does not guarantee refund timelines. EaseMyDeal is not responsible for any delay or denial of refunds by a service provider or bank.
6.5 Settlement to Partners: Where EaseMyDeal receives any consideration on behalf of any Service Provider or under any affiliate arrangements, EaseMyDeal will hold and remit such amounts to the appropriate party in accordance with the applicable commercial agreement, law, and reconciliation processes. EaseMyDeal disclaims any responsibility if partner bank details provided by a User during a transaction are incorrect; any loss arising from such incorrect details is the User’s responsibility.
6.6 Payment Authorization: By initiating a transaction on the Platform, you authorize EaseMyDeal and its payment partners to charge your selected payment instrument for the full amount of the transaction, including taxes and fees.
6.7 Card Data & PCI—EaseMyDeal does not store PAN/CVV; card processing occurs via PCI-DSS compliant partners; tokenized credentials may be used for permitted recurring transactions per network/bank norms.
6.8 Recurring Payments & Autopay—Where a product uses emandate/UPI Autopay, we will present mandate terms, send predebit notices, and provide a simple cancellation route; partial use refunds follow product-specific policies.
7. Service-Specific Terms
General Note for all Verticals: Unless expressly specified otherwise for a Vertical below, EaseMyDeal acts only as a technology platform, marketplace, and facilitator. All orders, bookings, transactions, contracts, and relationships are between the User and the relevant Service Provider. To the fullest extent permitted by applicable law, EaseMyDeal disclaims all responsibility and liability for the acts, omissions, representations, warranties, promises, or conduct of any Service Provider. Users are advised to read the terms and policies presented by each Service Provider before completing a transaction.
7.1 Mobile & DTH Prepaid Recharges
7.1.1 Nature of Service & Order Flow
EaseMyDeal provides a technology platform that enables Users to initiate mobile and DTH prepaid recharge transactions.
When a User places a recharge order, EaseMyDeal, acting as a facilitator, transmits the recharge request to the relevant telecom operator, DTH operator, or an authorized aggregator partner for processing.
The successful completion of a recharge transaction is entirely dependent on the performance, systems, and decision of the respective operator/aggregator. EaseMyDeal has no control over operator infrastructure, service quality, or decision-making.
While EaseMyDeal endeavors to process transactions in near real-time, delays, errors, or failures may occur due to operator/network issues, technical glitches, system downtime, or reasons beyond EaseMyDeal’s reasonable control.
7.1.2 Pricing, Tariffs & Plans
All recharge denominations, plan benefits, offers, and validity are determined solely by the respective telecom/DTH operator, in accordance with regulations of the Telecom Regulatory Authority of India (TRAI) and other applicable authorities.
EaseMyDeal sources plan data from operators and aggregator partners and attempts to keep the information updated. However, Users acknowledge and agree that EaseMyDeal does not guarantee or warrant the accuracy, currency, or completeness of such plan details.
Users are advised to verify the recharge denomination, plan details, and validity directly with the concerned operator before initiating a transaction.
7.1.3 Failed, Pending or Duplicate Recharges
A recharge transaction may fail, remain pending, or be rejected due to operator/system reasons, technical errors, network congestion, or any other unforeseen circumstances.
In case of a failed recharge, the transaction amount (if debited) will be refunded to the User’s original payment source (bank account, wallet, card, or UPI) in accordance with the timelines and rules of the respective bank, payment gateway, or operator. EaseMyDeal does not control such refund timelines.
For pending transactions, Users must refrain from initiating a duplicate recharge request for the same number/account until the status of the original transaction is confirmed. EaseMyDeal will not be liable for duplicate charges resulting from repeated User attempts.
If a recharge is wrongly processed due to User error (e.g., incorrect number, operator selection, or recharge denomination), EaseMyDeal bears no responsibility for reversal or refund, as these are strictly governed by operator rules.
7.1.4 Refunds & Reversals
Refunds are subject to the policies of the operator, payment gateway, and banking channels involved.
EaseMyDeal will provide reasonable assistance in raising claims with the relevant parties; however, EaseMyDeal neither guarantees refunds nor has the authority to influence or expedite refund timelines.
In certain cases, refund requests may be denied by the operator/payment partner, and Users shall have no claim against EaseMyDeal in such scenarios.
7.1.5 Limitation of Liability & Dispute Resolution
EaseMyDeal is a facilitator and does not itself provide telecom or DTH services. Accordingly, EaseMyDeal shall not be liable for:
Operator downtime, outages, or service unavailability.
Incorrect plan selection, number entry, or operator choice by the User.
Changes in tariffs, denominations, or validity by the operator.
Delay, rejection, or failure in recharge provisioning attributable to the operator/aggregator.
The User’s sole and exclusive remedy for any grievance, dispute, or claim relating to a recharge transaction shall lie directly with the concerned telecom/DTH operator, in accordance with its prescribed customer grievance redressal mechanisms.
EaseMyDeal’s aggregate liability for any recharge transaction, whether in contract, tort, negligence, or otherwise, shall be limited strictly to the transaction value actually received by EaseMyDeal for that recharge.
7.2 BBPS / Bharat Connect or other Bill Payments
7.2.1 Nature of Service
EaseMyDeal provides Users with access to bill payment services through integration with the Bharat Bill Payment System (BBPS), authorized biller networks, or third-party biller aggregators.
EaseMyDeal acts solely as a facilitator of such transactions and does not itself generate, issue, or control bills.
By initiating a bill payment, the User authorizes EaseMyDeal to route the payment instructions through BBPS or the relevant aggregator/biller network.
7.2.2 Bill Accuracy & Presentation
All bill amounts, due dates, account numbers, reference IDs, and related information displayed on the Platform are provided by the concerned biller, BBPS, or its authorized intermediaries.
EaseMyDeal makes reasonable efforts to display accurate and updated bill data; however, EaseMyDeal neither verifies nor guarantees the accuracy, completeness, or timeliness of such data.
The User is solely responsible for reviewing the bill details and confirming the correctness of the payment parameters (including account number, biller selection, and amount) prior to authorizing payment.
7.2.3 Payment Confirmation & Settlement
A bill payment shall be deemed successful only upon confirmation of receipt from BBPS or the relevant biller/aggregator. EaseMyDeal will notify the User of the transaction status once such confirmation is received.
The timing of payment realization, credit to the biller’s account, and reconciliation of the User’s outstanding bill is governed exclusively by BBPS rules, NPCI guidelines, and biller-specific processes.
EaseMyDeal shall not be responsible for any delay, rejection, or non-reflection of payments caused by BBPS, NPCI, BBPOU, COU, the biller, banks, or payment intermediaries.
7.2.4 Disputed Bills & Service Issues
EaseMyDeal is not responsible for the correctness of bills, imposition of late fees, service disconnections, or other disputes relating to billing or biller services.
Any such disputes must be raised directly with the concerned biller in accordance with its prescribed customer grievance procedures.
EaseMyDeal will, at its discretion, provide Users with supporting transaction data (e.g., payment reference number, transaction status) to assist in resolving such disputes, but has no authority to alter, adjust, or cancel bills on behalf of the biller.
7.2.5 Refunds & Reversals
Refunds for duplicate, erroneous, or failed payments are subject strictly to BBPS, NPCI, and biller refund/reversal rules.
EaseMyDeal’s role is limited to initiating a refund or reversal request with the relevant party once notified by the User or the system.
The timing, credit method, and ultimate outcome of such refunds remain beyond EaseMyDeal’s control. Users agree that EaseMyDeal shall not be liable for delays or denials of refunds by the biller, BBPS, or banking channels.
Indicative refund/reversal timelines by category are published in our help section; final outcomes and TATs are per BBPS/NPCI/biller rules.
7.2.6 Limitation of Liability
EaseMyDeal provides bill payment services on an “as-is” and “as available” basis and expressly disclaims liability for:
Errors, omissions, or inaccuracies in bill data.
Late payment charges, service disconnections, or penalties imposed by billers.
Non-availability of BBPS, NPCI, third-party aggregators, or biller systems.
Delayed, failed, or rejected settlements due to technical or operational reasons.
The User’s exclusive remedy for billing-related disputes lies with the concerned biller or the BBPS grievance redressal channels.
To the maximum extent permitted by law, EaseMyDeal’s total liability in connection with any bill payment transaction shall be limited to the amount actually received by EaseMyDeal for the specific transaction.
7.3 Travel Bookings — Flights, Hotels, Buses
7.3.1 Nature of Relationship & Contracts
EaseMyDeal is an online intermediary under the Information Technology Act, 2000, facilitating the purchase of travel services (including but not limited to flight tickets, hotel reservations, bus tickets, and related add-ons).
The actual travel services are provided exclusively by independent third-party suppliers such as airlines (domestic and international), bus operators, hotels, consolidators, or aggregator partners (collectively, “Travel Suppliers”).
All bookings are contracts entered into directly between the User and the respective Travel Supplier. EaseMyDeal does not own, manage, or operate any airline, hotel, bus service, or associated travel infrastructure.
EaseMyDeal’s role is limited to:
Displaying information sourced from Travel Suppliers;
Facilitating booking requests;
Transmitting User payments to Travel Suppliers via authorized settlement systems; and
Issuing e-tickets, vouchers, or confirmations on behalf of Travel Suppliers.
7.3.2 Fares, Rates, Taxes & Service Fees
All fares and tariffs displayed on the Platform are dynamic and subject to real-time availability and change without notice.
Prices may include base fare, government taxes, cesses, airport charges, surcharges, and Supplier-imposed fees.
EaseMyDeal may levy convenience fees, service charges, or transaction handling charges, which shall be disclosed upfront at checkout. These charges are non-refundable, except where prohibited by law.
Any foreign exchange fluctuations, cross-border taxes, or regulatory levies applicable to international bookings shall be borne by the User.
7.3.3 Booking Confirmations & Supplier Rules
A booking shall be considered confirmed only upon issuance of a valid ticket/voucher by the Travel Supplier and receipt of payment confirmation.
All bookings are subject to the Supplier’s terms, conditions, and fare rules, which may include restrictions on changes, cancellations, or refunds.
The User acknowledges that EaseMyDeal has no authority to override or modify Supplier rules.
7.3.4 Changes, Cancellations, No-Shows & Refunds
Amendments, cancellations, and no-shows are governed strictly by the Supplier’s policies. Penalties may include forfeiture of fare, retention charges, or no-refund conditions.
EaseMyDeal will facilitate cancellation/change requests but is not responsible for Supplier refusals, penalties, or delays in processing refunds.
Refunds, if approved by the Supplier, will be credited to the User’s payment source after deducting applicable Supplier charges and EaseMyDeal service fees.
Refund timelines are subject to airline billing settlement systems (e.g., IATA BSP/ARC), hotel settlement schedules, bus operator processes, and bank/payment gateway timelines.
EaseMyDeal does not guarantee refund timelines, which may range from 7 to 45 working days, depending on the Supplier and intermediaries.
7.3.5 Availability & Special Requests
Inventory (seats, rooms, bus berths) is controlled entirely by Suppliers and subject to confirmation at booking time.
EaseMyDeal does not guarantee:
Specific seat assignments on flights or buses;
Room type, floor, view, or smoking/non-smoking preference;
Early check-in/late checkout;
Special meals or ancillary requests.
All such requests are subject to Supplier's discretion and availability.
7.3.6 Force Majeure, Disruptions & Supplier Defaults
EaseMyDeal shall not be liable for travel disruptions caused by force majeure events, including, but not limited to: natural disasters, weather conditions, pandemics, strikes, labor disputes, political unrest, regulatory restrictions, air traffic control directives, Supplier insolvency, or government-imposed travel bans.
In such cases, refunds, re-accommodation, or compensation (if any) shall be provided strictly as per the Supplier’s policies. EaseMyDeal shall not bear independent liability.
Where a Supplier ceases operations or becomes insolvent, Users must pursue claims directly with the Supplier or its appointed administrator/liquidator.
7.3.7 Ancillary & Third-Party Services
Ancillary services such as travel insurance, baggage add-ons, seat selection, visas, forex, cab transfers, or tour packages are offered by independent third-party providers.
Such services are subject to their own terms, warranties, and liabilities. EaseMyDeal disclaims all responsibility for deficiency or denial of these services.
Insurance claims, if applicable, must be raised directly with the insurer. EaseMyDeal shall not mediate or adjudicate insurance disputes.
7.3.8 Travel Advisories, User Responsibilities & Compliance
Users are solely responsible for:
Holding valid passports, visas, permits, and other travel documents;
Meeting health, vaccination, and COVID-19 testing requirements;
Complying with immigration, customs, aviation security, and local laws of the travel destination.
EaseMyDeal shall not be responsible for denied boarding, refusal of entry, deportation, or fines imposed due to the User’s non-compliance with travel regulations.
Users are advised to review advisories issued by DGCA, MoCA, IRCTC, WHO, IATA, and destination governments before booking.
7.3.9 Indemnity & Disclaimers
The User agrees to indemnify, defend, and hold harmless EaseMyDeal, its directors, employees, and affiliates against all claims, losses, damages, costs, and expenses arising from:
User’s breach of Supplier terms;
Non-compliance with travel regulations;
Misuse of the Platform;
Fraudulent or erroneous bookings.
EaseMyDeal provides booking services on an “as-is” and “as-available” basis, without warranties of uninterrupted access, accuracy, or merchantability.
7.3.10 Limitation of Liability
EaseMyDeal’s role being limited to facilitation, it shall not be liable for:
Flight delays, cancellations, schedule changes, or denied boarding;
Hotel service deficiencies, overbookings, or misrepresentations;
Bus delays, accidents, or quality of service;
Supplier insolvency, strikes, or regulatory actions.
To the maximum extent permitted by law, EaseMyDeal’s aggregate liability for any travel booking, whether in contract, tort, negligence, or equity, shall be capped at the convenience/service fee actually retained by EaseMyDeal for that transaction.
7.4 Pay Via Credit Card — Rent Payments, Education Fee Payments & Business/Professional Payments
7.4.0 Service Specific definitions & applicability (applies to all sub-services)
Definitions. In these Sections:
“Pay Via Credit Card” means the service, product features, website, and/or mobile application functionality through which a User may initiate payments (rent, education fees, business/professional fees) using a credit card or related credit facility.
“User” means the individual or entity using Pay Via Credit Card.
“Beneficiary” / “Payee” means the landlord, society, Tuition Teacher/ Professional, Coaching centre, educational institution, professional, or business entity receiving the payment.
“Acquiring Bank / Payment Processor / Gateway / Card Issuer” means the banks or payment intermediaries that process and settle card transactions.
“Platform” means EaseMyDeal’s web and mobile platforms that host Pay Via Credit Card.
Role of EaseMyDeal. EaseMyDeal is a technology platform and payment facilitator only. It transmits payment instructions to acquiring banks/payment processors and/or to third-party gateways and does not itself invest, or lend funds except as explicitly described elsewhere. Users acknowledge that EaseMyDeal is not a bank, NBFC, nor the Beneficiary.
User responsibility. By using Pay Via Credit Card for any category, the User confirms they have read and accepted these sub-terms and the master Terms & Conditions and Privacy Policy of the Platform.
7.4.A Rent Payments (Pay Via Credit Card — Rent)
A.1 Nature of Service & Payment Flow
Users may use Pay Via Credit Card to pay rent or society/association maintenance charges to registered landlords, property managers, or housing societies (each a “Rent Beneficiary”). EaseMyDeal forwards the payment instruction to the acquiring/payment processor, who effects the payment to the Beneficiary’s bank account or to a designated settlement partner.
Transaction lifecycle: (i) initiation and User authentication, (ii) authorization by card issuer, (iii) capture by acquiring bank, (iv) settlement to Beneficiary per settlement network rules, and (v) confirmation to the User.
A.2 Mandatory verification & onboarding of Beneficiaries
Rent Beneficiaries must be onboarded/verified per EaseMyDeal’s Beneficiary onboarding requirements (documentary KYC, bank details, GST or PAN where applicable). EaseMyDeal may refuse to onboard or may suspend payments to any Beneficiary until satisfactory verification is complete.
A.3 User obligations & payee accuracy
Users must ensure the accuracy of the Beneficiary name, account number/UPI ID, IFSC/branch details, lease reference, and any remittance instruction. Any payment credited to an incorrect Beneficiary or lost due to wrong details provided by the User is the User’s sole responsibility. EaseMyDeal may attempt recovery at the User’s request, but has no obligation or guarantee of success.
A.4 Card issuer treatment & cash-advance disclosure
Certain card issuers may treat rent payments as a cash advance or apply special merchant category rules (and levy immediate interest or additional fees). Users must check with their card issuer for applicable terms prior to transacting. EaseMyDeal disclaims liability for interest, cash-advance fees, or differential accounting applied by the card issuer.
A.5 Fees, taxes, convenience charges
EaseMyDeal will disclose any convenience fee or transaction charge and applicable taxes (GST) at checkout. Convenience fees are non-refundable except where EaseMyDeal is required by law or by explicit written policy to refund.
A.6 Holds, limits & suspicious transactions
For high-value rent payments or where AML/KYC triggers occur, EaseMyDeal may place a temporary hold on the transaction, withhold settlement, or request additional documents (proof of tenancy, landlord ID, PAN, cancelled cheque) until compliance checks are complete. Transactions may be refused or reversed where documentation is inadequate.
A.7 Refunds, reversals & failed settlements
Refunds for failed or reversed rent payments are governed by the acquiring bank/payment gateway and the Beneficiary’s refunds policy. EaseMyDeal will facilitate reversal requests, but cannot guarantee timing or outcome. If the Beneficiary declines reversal, the User’s remedy is against the Beneficiary or the card issuer, as applicable.
A.8 Dispute resolution with landlords/societies
Any dispute relating to rent amount, tenancy, security deposit, eviction, or landlord/tenant disputes is between User and Beneficiary exclusively; EaseMyDeal will provide transaction evidence on request, but does not adjudicate tenancy disputes.
A.9 Liability & limitation
EaseMyDeal’s liability for Rent Payments shall be strictly limited to amounts actually retained by EaseMyDeal for the transaction or the amount unremitted to the Beneficiary at the time of the dispute, whichever is lower. EaseMyDeal disclaims all other indirect, incidental, or consequential losses.
The Users agree not to hold EaseMyDeal responsible and/or liable for any issue or claim arising out of any dispute whatsoever between the User and the Processor and/or the User and the User’s bank or financial institution. Further, the Users agree not to hold EaseMyDeal responsible and/or liable for any delay in service of up to 7 working days. Additionally, please note that EaseMyDeal shall not be responsible for any additional fees or charges deducted by the Processors during payment processing in connection with the User’s transaction, and EaseMyDeal disclaims all liability in this regard. Further, the Users may also be subject to additional terms and conditions imposed by such Processors, and the Users should review these terms and conditions before authorizing any payments through the Processors.
A.10 Indemnity
The User shall indemnify EaseMyDeal from all claims, liabilities, costs, and expenses arising from (i) incorrect payee information entered by the User; (ii) disputes raised by landlords or other third parties; and (iii) the User’s non-compliance with applicable rental or tax regulations.
7.4.B Education Fee Payments (Pay Via Credit Card — Education Fees)
B.1 Nature of Service & permitted payees
Pay Via Credit Card enables Users to pay fees to education professionals, Tutors, schools, colleges, coaching institutes, universities, coaching centres, or other educational institutions (“Education Beneficiaries”). EaseMyDeal acts as a payment facilitator for settlement to the Education Beneficiary.
B.2 Pre-payment verification & student identifiers
Users may be required to share accurate student identifiers (admission/roll number/registered mobile no/email id), invoice references, or program details. Education Beneficiaries may require supporting documentation to link a payment to a student account; absence may delay reconciliation and posting of fees by the institution — EaseMyDeal is not liable for delays in posting.
B.3 KYC & compliance for fee categories
Certain fee categories (e.g., high-value tuition, overseas education processing fees, or installments) may trigger enhanced KYC, source-of-fund checks, or cross-border compliance. EaseMyDeal may request an institutional fee schedule, invoice copies, or proof of admission before authorizing settlement.
B.4 Refunds, withdrawals & academic disputes
Refunds arising from course cancellations, withdrawals, or admission denial are governed by the Education Beneficiary’s refund policy. EaseMyDeal will forward refund/reversal requests but cannot override institutional refund amounts or timelines.
B.5 Scholarships, concessions & retroactive adjustments
If a Beneficiary issues retroactive fee adjustments (scholarships, concessions), such adjustments and any resulting refund or credit will be handled by the Education Beneficiary. EaseMyDeal will provide transaction data to facilitate reconciliation, but will not be liable for the Institution’s internal accounting.
B.6 Third-party vendor chargebacks & chargeback windows
Card chargebacks relating to education payments are subject to card network rules and strict windows for dispute (e.g., issuer chargeback timeframes). Users must raise chargeback requests with their issuer and provide required evidence; EaseMyDeal will cooperate with acquirer investigations.
B.7 Liability & limitation
EaseMyDeal’s liability for Education Fee Payments is limited to amounts actually retained by EaseMyDeal in relation to the specific transaction or the amount unremitted to the Beneficiary at the point of dispute, whichever is lower. EaseMyDeal disclaims liability for academic, admission, or educational quality grievances.
The Users agree not to hold EaseMyDeal responsible and/or liable for any issue or claim arising out of any dispute whatsoever between the User and the Processor and/or the User and the User’s bank or financial institution. Further, the Users agree not to hold EaseMyDeal responsible and/or liable for any delay in service of up to 7 working days. Additionally, please note that EaseMyDeal shall not be responsible for any additional fees or charges deducted by the Processors during payment processing in connection with the User’s transaction, and EaseMyDeal disclaims all liability in this regard. Further, the Users may also be subject to additional terms and conditions imposed by such Processors, and the Users should review these terms and conditions before authorizing any payments through the Processors.
B.8 Indemnity
The User indemnifies EaseMyDeal from any third-party claim arising from incorrect student identifiers, fraudulent payment instructions, or misuse of fee payment facilities.
7.4.C Business & Professional Fee Payments (Pay Via Credit Card — Business Services)
(Covers payments to lawyers, accountants, consultants, freelancers, vendors providing professional or business services.)
C.1 Nature of Service & permitted use
Pay Via Credit Card permits Users (individuals or corporate customers where allowed) to pay invoices, retainers, professional fees, and other business service charges to registered professionals and businesses.
C.2 Acceptable use, documentation & invoicing
Users may be required to provide valid invoice numbers, GST / tax details where applicable, purchase order references, and any Contract/Service Agreement identifiers. Beneficiaries may be required to provide invoices matching the paid amounts for tax or audit purposes.
C.3 GST, TDS, and tax compliance
Users and Beneficiaries are individually responsible for accurate GST calculation, TDS deduction (where applicable), and statutory reporting. EaseMyDeal will not compute or assume tax liabilities on behalf of either party unless explicitly offered as an invoicing feature and documented separately.
C.4 Merchant onboarding & AML
Professional Beneficiaries must complete merchant onboarding and AML/KYC. EaseMyDeal reserves the right to refuse or suspend transactions to unverified Beneficiaries.
C.5 Refunds, service disputes & quality issues
Any post-payment commercial disputes (non-delivery, breach of service, substandard work) are to be resolved between the User and Beneficiary. EaseMyDeal may (at its discretion) provide escrow or dispute mediation features if separately subscribed, but absent such features, it is not a guarantor of service quality. Whether or not escrow or mediation is available, such tools are facilitative only, and EaseMyDeal does not guarantee dispute outcomes or the Beneficiary’s service quality; where no such feature is subscribed, EaseMyDeal has no obligation to intervene at all. If the dispute remains unresolved, the User and the Beneficiary shall refer the matter to arbitration in accordance with Section 22 of these Terms, and the arbitral award shall be final and binding between them; EaseMyDeal will not be a party to, nor responsible for, any such proceedings or their costs.
C.6 Limits, transaction monitoring & holds
High-value Business or professional payments may be subject to transaction limits, additional documentation, and monitoring for AML/PEP/sanctions screening. EaseMyDeal may place holds pending compliance checks.
C.7 Liability & indemnity
EaseMyDeal’s liability is limited to amounts retained or unremitted in the transaction and does not extend to commercial losses, lost profits, reputational harm, or statutory penalties arising from the business relationship between User and Beneficiary. The User indemnifies EaseMyDeal for any claim arising from misuse of payments or breach of contractual obligations with Beneficiaries.
The Users agree not to hold EaseMyDeal responsible and/or liable for any issue or claim arising out of any dispute whatsoever between the User and the Processor and/or the User and the User’s bank or financial institution. Further, the Users agree not to hold EaseMyDeal responsible and/or liable for any delay in service of up to 7 working days. Additionally, please note that EaseMyDeal shall not be responsible for any additional fees or charges deducted by the Processors during payment processing in connection with the User’s transaction, and EaseMyDeal disclaims all liability in this regard. Further, the Users may also be subject to additional terms and conditions imposed by such Processors, and the Users should review these terms and conditions before authorizing any payments through the Processors.
7.4.D Common compliance, risk & operational clauses (applies to A, B & C)
D.1 KYC / AML / Regulatory compliance
EaseMyDeal may require PAN, Aadhaar (limited storage as permitted by law), proof of address, entity incorporation documents, or other KYC documents. Certain transactions may require soft credit bureau checks or formal AML investigations. EaseMyDeal will share KYC data with banks/regulators/partners as required by law.
D.2 Holds, freezes & chargebacks
Where suspicious activity, sanctions matches, counterparty disputes, or regulatory requirements arise, EaseMyDeal may freeze, reverse, or hold funds. Chargebacks initiated by a card issuer will follow card network rules — EaseMyDeal will cooperate with acquiring banks, but cannot unilaterally prevent a legitimate chargeback.
Users will be notified of holds and may be asked for additional documents within a reasonable period; failure to furnish may lead to cancellation/refund per network/bank rules.
D.3 Settlement & timelines
Settlement to Beneficiaries is subject to acquiring bank and beneficiary settlement cycles and may vary. EaseMyDeal does not guarantee real-time credit to Beneficiary accounts. Users accept that posting and reconciliation by Beneficiaries may be delayed and that EaseMyDeal is not responsible for such delays.
Intermediary downtimes (BBPS, card networks, UPI, IMPS/NEFT/RTGS) or reconciliation exceptions may extend settlement timelines.
D.4 Data & transaction records
EaseMyDeal will retain transaction logs, remittance advices, and KYC records as required by applicable law. Electronic records and notifications shall be treated as legally valid communications.
Electronic records (receipts, acquirer refs, BBPS refs, remittance advices) constitute valid proof for disputes and may be shared with counterparties for resolution.
D.5 Fees are non-refundable
Convenience/service fees and taxes shown at checkout are non-refundable unless EaseMyDeal specifically agrees in writing or is required by law.
D.6 Force Majeure
EaseMyDeal is not liable for failure or delay caused by events beyond its reasonable control (natural disasters, network outages, strikes, pandemics, government actions). Force majeure includes network or scheme outages, BBPS downtime, regulatory embargos, strikes, pandemics, government actions, and supplier insolvency impacting payment or service rails. In such events, refunds or alternate arrangements will be governed by the Beneficiary’s policy or payment network rules and are not determined by EaseMyDeal.
D.7 Limitation of Liability
To the maximum extent permitted by applicable law, EaseMyDeal and its affiliates, directors, employees, and agents shall not be liable for any indirect, special, incidental, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, goodwill, or data, whether or not foreseeable and whether or not advised of the possibility of such damages, regardless of the form of action or theory of liability. Subject to non-excludable statutory rights, the total aggregate liability of EaseMyDeal arising out of or relating to any Pay Via Credit Card transaction shall be capped at the lower of:
(a) the fees actually retained by EaseMyDeal for that specific transaction; or
(b) any amount unremitted to the Beneficiary at the time the dispute is first notified to EaseMyDeal.
This cap applies per transaction and in the aggregate for all claims arising from or relating to the same transaction or series of related transactions, whether based in contract, tort (including negligence), strict liability, restitution, or any other legal or equitable theory, and shall constitute the sole and exclusive monetary remedy of the User against EaseMyDeal for such matter. EaseMyDeal shall have no liability for acts, omissions, outages, or errors of card networks, issuing or acquiring banks, payment gateways, BBPS/NPCI rails, telecom/billers, Beneficiaries, or any other third-party service providers, over whom EaseMyDeal has no control and for whose performance EaseMyDeal gives no warranties.
D.8 Indemnity
The User shall defend, indemnify and hold harmless EaseMyDeal and its officers, employees and agents from all losses, liabilities, costs and expenses (including legal fees) arising from: (i) User’s breach of these Terms; (ii) incorrect or fraudulent payment instructions; (iii) disputes with Beneficiaries; and (iv) non-compliance with tax or regulatory obligations.
Indemnity covers misuse of category rails (e.g., rent rails for personal wallet loads), sanctions/PEP breaches, and violations of third-party terms causing scheme fines or acquirer losses.
Indemnity includes reasonable costs of investigation, remediation, penalties, and professional/legal fees.
D.9 Suspension & Termination
EaseMyDeal may suspend or terminate access to Pay Via Credit Card where it reasonably suspects fraud, regulatory non-compliance, unresolved KYC, or where required by law. Termination does not absolve obligations incurred prior to termination.
On termination, any held funds will be released, refunded, or remitted per applicable law, network rules, and dispute outcomes.
D.10 Grievance, disputes & governing law
Users shall first contact EaseMyDeal support for transaction issues. Unresolved disputes may be referred to arbitration under the Arbitration & Conciliation Act, 1996, with the seat of arbitration and courts of jurisdiction as specified in the Platform’s master Terms & Conditions (e.g., New Delhi).
7.4.E Implementation notes & recommended operational controls
Onboarding checklist for Beneficiaries — mandatory KYC, bank account verification, beneficiary acceptance of receiving payments.
User UX — prominently display: (a) whether the beneficiary has been verified; (b) convenience fee & GST; (c) required reference fields.
Risk rules — set velocity limits, per-beneficiary caps, AML alerts for round-sum or PEP beneficiaries, and auto-escalation workflows for manual review.
Reconciliation — keep transaction reference IDs, acquirer settlement reports, and beneficiary remittance receipts for at least the statutory retention period.
Customer support playbook — standardized evidence pack providing to Beneficiaries and banks (transaction trace, remittance advice, proof of beneficiary onboarding, KYC documents).
7.5 Credit Card Comparison & Apply
7.5.1 Nature of Service
Comparison & Redirection Platform. EaseMyDeal provides an interface that enables Users to compare credit card products offered by third-party banks, financial institutions, NBFCs, or their authorized partners (“Issuers”). Upon selection, Users are redirected to the Issuer’s website, mobile application, co-branded application flow, or affiliate partner portal for completing the application process.
Non-Issuer Role. EaseMyDeal is not a bank, NBFC, or card issuer. It does not underwrite, approve, issue, or manage credit cards. All card issuance is strictly at the discretion of the Issuer, subject to the Issuer’s credit policies, regulatory guidelines, and customer due diligence.
No Guarantee of Issuance. Display of a card on EaseMyDeal does not constitute an offer, recommendation, or guarantee of issuance.
Issuer Terms Prevail. In the event of inconsistency, the Issuer’s published terms, KFS (Key Facts Statement) /predisclosures, and final documentation prevail over any Platform copy.
Display of products is for information and discovery only and shall not be construed as solicitation, endorsement, or recommendation by EaseMyDeal
7.5.2 Offers, Features & Eligibility
Determination by Issuers. All product features, welcome offers, rewards, interest rates, fees, joining/annual charges, eligibility criteria (including income, employment, and credit score), and terms are determined solely by the Issuers and are subject to change without prior notice.
Information Only. All features, fees, offers, and eligibility are sourced from Issuers/affiliates and provided ‘as is’; EaseMyDeal does not warrant accuracy, completeness, or timeliness and has no duty to update beyond commercially reasonable efforts.
Eligibility Checks. Any “pre-approved” or “eligibility check” messages shown on EaseMyDeal are based on preliminary criteria provided by Issuers and do not constitute final approval. Final sanction is strictly subject to the Issuer’s internal credit policies, KYC, and risk assessment. Offers and fees may change or be withdrawn by Issuers without notice; any discrepancy between displayed and Issuer final terms shall be resolved in favor of the Issuer’s records.
Illustrative Nature. Reward calculators, comparison charts, and benefit illustrations on EaseMyDeal are indicative only and do not bind Issuers or EaseMyDeal. These may differ in practice depending on the Issuer’s calculations, transaction type, or User’s usage pattern.
7.5.3 Application & Processing Flow
Redirection to Issuer Platforms. Users applying for a credit card will be redirected to Issuer-owned websites, portals, or co-branded journeys where the User provides personal, financial, and KYC details. EaseMyDeal does not capture or store such sensitive application data unless explicitly authorized by the User.
Decision-making Authority. The approval, rejection, credit limit, card variant, joining fees, and other terms of issuance are exclusively determined by the Issuer. EaseMyDeal has no control over such decisions and cannot influence outcomes.
Processing Timelines. Processing times, documentation requirements, physical verification, and final approval timelines are defined by the Issuer and may vary by product, applicant profile, or geography. EaseMyDeal does not assure specific timelines.
Co-Branded & Partner Flows. Where co-branded/affiliate arrangements exist, the User may be required to consent to additional terms of the partner/Issuer before completing an application. EaseMyDeal disclaims liability for such additional conditions.
No party to the card agreement. The cardholder agreement is solely between the User and the Issuer; EaseMyDeal is not a party and has no obligations under such agreement,” to prevent contractual attribution.
No fee collection. EaseMyDeal does not collect Issuer fees or charges on its behalf unless explicitly stated; any payment flows are directly with the Issuer.
7.5.4 Data, Privacy & Security
Data Sharing. In the event that the User submits preliminary details (e.g., name, contact, income bracket, PAN, Employment details, etc.) on EaseMyDeal prior to redirection, the User authorizes EaseMyDeal to share such details with the relevant Issuer or affiliate partner to facilitate pre-checks or generate application links.
Third-Party Privacy Policies. Users acknowledge that once redirected to the Issuer’s platform, their data is governed by the Issuer’s privacy policy and not EaseMyDeal’s. Users are advised to read the Issuer’s policies carefully.
No Storage of Sensitive Data. EaseMyDeal does not store PAN, Aadhaar, credit bureau reports, or other sensitive KYC documents unless explicitly disclosed and consented to.
7.5.5 Liability & Indemnity
Disclaimer of Warranties. EaseMyDeal provides the comparison and redirection service on an “as-is” basis without warranties of accuracy, merchantability, fitness for a particular purpose, or error-free operation.
No Responsibility for Issuer Actions. EaseMyDeal is not responsible for:
Approval/rejection of card applications,
Accuracy of offers, fees, or terms published by Issuers,
Any modification, withdrawal, or non-provision of sign-up bonuses, cashback, or rewards by Issuers,
Credit bureau reporting, billing, or customer service of Issuers.
Limitation of Liability. EaseMyDeal’s maximum liability, whether in contract, tort, or otherwise, shall not exceed the amount of referral/convenience fee (if any) actually received by EaseMyDeal for the specific User transaction that gave rise to the claim.
Indemnity by User. The User agrees to indemnify and hold harmless EaseMyDeal, its affiliates, and employees against any claims, costs, damages, or expenses arising out of: (i) reliance on inaccurate or outdated offer details, (ii) disputes between the User and Issuer, or (iii) the User’s non-compliance with Issuer’s eligibility or documentation requirements.
No liability for Issuer actions, omissions, pricing/offer changes, KFS/predisclosure content, credit decisions, bureau reporting, billing, rewards accrual/redemption, or customer service.
7.5.6 Third-Party Links & Content
EaseMyDeal’s platform may contain outbound links to Issuer websites, affiliate partners, or third-party content. These are provided for the User's convenience only. EaseMyDeal does not endorse or assume responsibility for any third-party content, advertisements, products, or services.
Users acknowledge that third-party sites are governed by their own terms, policies, and disclaimers, and EaseMyDeal is not liable for damages resulting from accessing such third-party resources.
No monitoring obligation. EaseMyDeal does not monitor or control third-party content and assumes no duty to do so; access is at the User’s risk
EaseMyDeal is not responsible for malware, tracking technologies, or data practices of third-party sites.
7.5.7 Governing Law, Dispute Resolution & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India.
Any dispute arising under this section shall first be attempted to be resolved through EaseMyDeal’s grievance redressal mechanism.
If unresolved, disputes shall be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996. The seat of arbitration shall be New Delhi, and proceedings shall be conducted in English.
Subject to arbitration, courts at New Delhi shall have exclusive jurisdiction.
7.6 Loan Comparison & Apply (Affiliate Redirection)
7.6.1 Nature of Service
Facilitation Role. EaseMyDeal provides a platform for Users to compare loan products offered by third-party banks, NBFCs, or other regulated lending institutions (“Lenders”). Users may be redirected to Lenders’ digital platforms or co-branded/affiliate application flows.
Non-Lender Status. EaseMyDeal is not a bank, NBFC, financial institution, or lending company. It does not originate, underwrite, sanction, disburse, fund, or service loans.
Independent Contract. All loans are contracts entered into directly between the User and the respective Lender. EaseMyDeal neither guarantees approval of loans nor represents or warrants the financial products offered by Lenders.
7.6.2 Pre-Qualification, Eligibility & Offers
Illustrative Only. Loan eligibility results, pre-qualified offers, indicative interest rates, or “instant approval” messages displayed on EaseMyDeal are illustrative and non-binding. Final approval, terms, and conditions are determined solely by the Lender.
Lender Discretion. Lenders may reject, modify, or approve applications at their sole discretion, based on internal credit policies, credit bureau checks, income verification, risk assessment, regulatory guidelines, and other parameters.
Change of Terms. Interest rates, processing fees, foreclosure charges, and repayment terms are subject to change by the Lender without notice. EaseMyDeal is not responsible for discrepancies between displayed terms and final sanctioned terms.
No Guarantee. Pre-screening, soft approval, or preliminary eligibility checks do not guarantee sanction, disbursal, or final approval of a loan.
7.6.3 Documentation, Verification & Due Diligence
Collection & Transmission. Users may be required to provide documents such as identity proof, address proof, PAN, Aadhaar, income statements, bank statements, or employment details. With User's consent, EaseMyDeal may collect and securely transmit such documents to Lenders.
KYC & Credit Bureau Checks. Lenders reserve the right to conduct KYC verification, background checks, CIBIL/credit bureau checks, and additional verifications as required under RBI/SEBI/UIDAI regulations.
No Liability for Rejection. Submission of documents does not obligate a Lender to approve a loan. EaseMyDeal shall not be liable for rejections for reasons including but not limited to credit score, incomplete documentation, or failed verifications.
Data Sharing Consent. By applying for a loan, the User consents to EaseMyDeal sharing their information with Lenders, affiliates, or authorized service providers for processing loan applications.
7.6.4 Loan Sanction, Disbursal & Repayment
Exclusive Lender Responsibility. Loan sanction, documentation, disbursal, and repayment schedules are the sole responsibility of the Lender.
Repayment Obligations. Users are solely responsible for timely repayment of EMIs, interest, charges, and penalties as per the loan agreement signed with the Lender. EaseMyDeal has no role in EMI collection or recovery.
No Advisory Role. EaseMyDeal does not provide financial, investment, or legal advice. Users are advised to carefully evaluate loan terms, consult independent advisors if needed, and make informed borrowing decisions.
7.6.5 Liability, Indemnity & Disclaimers
No Liability for Lender Decisions. EaseMyDeal disclaims responsibility for:
Loan rejection or approval delays;
Interest rate variations, hidden charges, or a change in repayment terms;
Lender’s operational errors, service quality, or dispute resolution;
Non-disbursal or partial disbursal of sanctioned amounts.
Limitation of Liability. To the maximum extent permitted by law, EaseMyDeal’s liability in connection with any loan application shall not exceed the referral/service fee (if any) actually received by EaseMyDeal for facilitating that specific application.
User Indemnity. Users agree to indemnify and hold harmless EaseMyDeal, its affiliates, directors, and employees against all claims, costs, losses, damages, and expenses arising out of:
Misrepresentation or false information provided by the User;
User’s breach of applicable laws or loan agreement terms;
Disputes between the User and Lender regarding loan terms, servicing, or collection.
No Warranty. EaseMyDeal provides its loan comparison and referral services on an “as-is” basis without warranties of accuracy, completeness, merchantability, fitness for purpose, or uninterrupted availability.
7.6.6 Regulatory Compliance & Governing Law
EaseMyDeal facilitates loan applications in compliance with applicable RBI and NPCI guidelines governing intermediaries, referral agents, and digital lending ecosystems.
Users acknowledge that Lenders are regulated entities and must comply with RBI guidelines on Fair Practices Code, digital lending, and KYC/AML requirements.
These Terms shall be governed by and construed in accordance with the laws of India. Disputes, if any, shall be subject to arbitration under the Arbitration and Conciliation Act, 1996, with the seat at New Delhi. Subject to arbitration, the courts of New Delhi shall have exclusive jurisdiction.
7.7 Credit Report Fetch, Analysis & Advisory
7.7.1 Authorization & Consent
Explicit Consent. By requesting a credit report, the User expressly authorizes EaseMyDeal to:
Access and fetch the User’s credit information from Experian Credit Information Company of India Limited (“Experian”), and/or other RBI-licensed Credit Information Companies (“CICs”) as applicable;
Display, process, and analyze such information on the Platform; and
Share the credit report with the User in digital form and use it for providing credit advisory services.
Third-Party Sharing. With the User’s consent, EaseMyDeal may also share relevant credit data with Lenders, NBFCs, financial institutions, or authorized partners for the purpose of facilitating loan, card, or other credit-related applications/payments.
Validity of Consent. The authorization remains valid for such period as permitted under RBI guidelines, unless revoked by the User in writing.
7.7.2 Accuracy, Timeliness & Disputes
No Control over Data. Credit reports are generated by Experian (or other CICs). EaseMyDeal does not create, alter, or verify such data and cannot guarantee its accuracy, timeliness, or completeness.
User Responsibility. Users acknowledge that credit information may contain errors, outdated data, or inaccuracies. Users are solely responsible for reviewing their reports and ensuring correctness.
Dispute Resolution. Any dispute regarding the accuracy of information must be raised directly with the concerned CIC (e.g., Experian) through their dispute resolution mechanism. EaseMyDeal may, at its discretion, facilitate or assist Users by providing transaction references, but final resolution lies solely with the CIC.
No Liability. EaseMyDeal shall not be held liable for:
Errors or delays in report generation;
CIC’s failure to update or correct data;
Negative impact on loan/credit decisions due to incorrect information.
7.7.3 Advisory Nature
Educational Use. Any guidance, scores, tips, or analysis provided by EaseMyDeal are for educational and informational purposes only.
Not Professional Advice. Such advisory content does not constitute financial, investment, tax, or legal advice. Users are strongly encouraged to consult certified financial planners, chartered accountants, or legal advisors for personalized decision-making.
No Guarantee. EaseMyDeal does not guarantee loan approval, credit card issuance, score improvement, or better borrowing terms as a result of acting upon its advisory content.
7.7.4 Confidentiality, Storage & Data Use
Data Storage. With User consent, EaseMyDeal may store copies of Users’ credit reports, scores, and analyses as part of their account records.
Limited Retention. Data will be retained only for as long as necessary to provide services, comply with legal obligations, or as per the Platform’s Privacy Policy.
Security Measures. EaseMyDeal adopts reasonable administrative, technical, and physical safeguards to protect sensitive credit information against unauthorized access, misuse, or disclosure.
Regulatory Compliance. EaseMyDeal’s use and storage of credit information strictly complies with applicable RBI, CICRA (Credit Information Companies Regulation Act, 2005), and data protection laws.
Revocation. Users may request deletion of their stored credit reports from EaseMyDeal’s systems, subject to retention requirements under applicable law.
7.7.5 Liability, Indemnity & Disclaimers
No Liability for Credit Decisions. EaseMyDeal shall not be responsible for any adverse impact on the User’s creditworthiness, loan eligibility, or financial standing arising from credit bureau data.
Indemnity. Users agree to indemnify and hold harmless EaseMyDeal, its affiliates, and employees against any claims, damages, losses, or expenses arising from:
Misuse of their credit data by third parties with whom the User voluntarily shares reports;
User-provided inaccurate or false information;
User’s reliance on advisory content without independent verification.
Limitation of Liability. To the fullest extent permitted by law, EaseMyDeal’s total liability in relation to credit report services shall not exceed the convenience fee/platform fee (if any) paid by the User for such specific service.
7.7.6 Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India, including but not limited to the CICRA, 2005, and regulations issued by the Reserve Bank of India.
Any disputes arising shall be resolved through arbitration under the Arbitration and Conciliation Act, 1996, with the seat of arbitration in New Delhi. Subject to arbitration, the courts of New Delhi shall have exclusive jurisdiction.
7.9 Digital Gold/ Silver & Gold FD+
7.9.1 Nature of Service & Role of EaseMyDeal
Facilitator Only. Digital Gold/ Silver and Gold FD+ are products offered by Augmont Goldtech Private Limited (“Augmont”) or such other custodians/partners as may be appointed. EaseMyDeal merely acts as a technology platform, referral partner, and transactional facilitator to enable Users to access these products. All representations on purity, custody, insurance, storage tenure, delivery logistics, and product features are those of the partner and govern the User’s rights.
No License or Advice. EaseMyDeal is not a broker, dealer, portfolio manager, investment advisor, depository, or custodian of gold. Nothing on the Platform constitutes investment, financial, or tax advice.
Contractual Relationship. The User’s contractual relationship in respect of Digital Gold/Gold FD+ is solely with Augmont or the designated gold partner. EaseMyDeal is not and shall not be deemed to be a counterparty to any purchase, sale, redemption, or storage arrangement.
7.9.2 Purchase, Custody & Ownership
Custodian Appointment. Physical gold corresponding to digital holdings is stored in secure vaults by Augmont or its authorized custodians, insured at the custodian’s cost.
Ownership Records. The records of gold ownership and balances are maintained by Augmont. EaseMyDeal does not maintain independent records and relies on confirmations received from Augmont.
Minimum & Maximum Limits. Purchase and redemption limits (per transaction and cumulative) shall be governed by Augmont’s policies and applicable law.
No Encumbrance. Users shall not create any charge, pledge, lien, or encumbrance on their digital gold holdings through EaseMyDeal. Any attempt to do so shall be null and void.
7.9.3 Purity, Redemption & Delivery
Purity Assurance. Gold offered under Digital Gold/Gold FD+ is of 99.5% or higher purity, as certified by Augmont. EaseMyDeal does not independently verify purity and disclaims any liability for variations.
Redemption. Redemption may be in the form of cash equivalent, digital transfer, or delivery of physical gold, subject to Augmont’s terms and applicable charges. Redemption timelines and delivery logistics are determined by Augmont.
Storage Duration. Digital Gold may be stored with Augmont for a limited duration (as specified by Augmont). Post expiry of the storage period, Users must redeem or liquidate. Unclaimed balances will be handled in accordance with applicable law and Augmont’s terms.
Charges. Making charges, delivery fees, packaging charges, and other incidental costs may apply at the time of redemption of physical gold. These are determined by Augmont and disclosed at redemption.
7.9.4 Gold FD+ Specific Terms
Nature. Gold FD+ is a structured product wherein Users may lease their digital gold to Jewellers listed by Augmont for a defined tenure and earn additional gold grams/returns, as determined by Augmont.
Returns & Maturity. Any indicative or displayed return is for illustration only. Actual returns depend entirely on Augmont’s product terms. EaseMyDeal does not guarantee any fixed or assured return.
Premature Withdrawal. Early withdrawals, if permitted, are governed by Augmont’s policies and may attract penalties or reduced benefits.
Default by Partner. In case of Augmont’s insolvency, regulatory action, or failure to honor obligations, Users must seek remedies directly against Augmont. EaseMyDeal shall not be liable for shortfall, loss, or default.
7.9.5 Regulatory, Compliance & Tax Treatment
Applicable Laws. Transactions are subject to the rules of the Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), and other regulators, to the extent applicable.
Taxation. Gains/losses from purchase, redemption, or maturity of Digital Gold/Gold FD+ may attract taxes (such as capital gains tax, GST, or TDS). EaseMyDeal does not provide tax advice. Users are solely responsible for consulting their tax advisors and ensuring compliance.
KYC & AML. High-value transactions may trigger KYC verification under RBI/AML laws. EaseMyDeal and/or Augmont reserve the right to block, hold, or reject transactions pending completion of KYC or suspicion of unlawful activity.
7.9.6 Disclaimers & Liability
No Guarantee. EaseMyDeal does not guarantee:
Purity, storage safety, or insurance adequacy of the gold.
Delivery timelines or redemption success.
Returns or appreciation of value.
No Liability for Partner Actions. EaseMyDeal disclaims liability for any:
Errors in recording of gold balances by Augmont.
Failure of redemption, delivery, or storage by the custodian.
Insolvency, fraud, or misconduct of Augmont or its agents.
User Responsibility. The User is solely responsible for:
Verifying transaction details before confirmation.
Ensuring KYC and compliance requirements are fulfilled.
Pursuing disputes with Augmont or relevant regulators in case of issues.
Liability Cap. EaseMyDeal’s liability in connection with Digital Gold/Silver/Gold FD+ is strictly limited to the facilitation fee (if any) collected by EaseMyDeal for the concerned transaction.
7.9.7 Governing Law & Dispute Resolution
Jurisdiction. These Terms shall be governed by the laws of India.
Arbitration. Any disputes involving EaseMyDeal shall be referred to arbitration under the Arbitration and Conciliation Act, 1996, with arbitration conducted in English and seated in New Delhi.
Partner Disputes. Disputes regarding gold holdings, redemption, or delivery shall be pursued directly with Augmont. EaseMyDeal will provide reasonable support by sharing transaction references, but shall not be a party to such disputes.
7.9.8 Risk Disclosure
Market Risk. The value of gold is subject to international and domestic market conditions, including but not limited to fluctuations in demand, supply, currency values, interest rates, and geopolitical factors. Users may suffer losses due to adverse price movements.
No Guaranteed Returns. Digital Gold and Gold FD+ are not fixed-return instruments. No guarantee, promise, or assurance is given by EaseMyDeal, Augmont, or any partner regarding appreciation, fixed returns, or capital protection.
Liquidity Risk. Redemption may be restricted or delayed due to operational, market, or regulatory constraints. Liquidity in physical or digital form is subject to the gold partner’s policies.
Counterparty Risk. Users bear the risk of Augmont or the appointed custodian’s performance, solvency, or regulatory compliance. EaseMyDeal is not liable in the event of counterparty default.
Regulatory Risk. Regulatory changes by RBI, SEBI, GST Council, or other authorities may impact taxation, redemption, storage, or legality of digital gold products. Such changes are outside EaseMyDeal’s control.
User Due Diligence. Users are strongly advised to:
Independently assess the suitability of investing in Digital Gold/Silver/Gold FD+ in light of their risk profile.
Seek independent financial and tax advice before transacting.
Regularly monitor their holdings and initiate redemption within prescribed timelines.
7. Order of Precedence. Partner terms govern product features and processes; this Section prevails over marketing copy/FAQs.
8. Electronic Records—Receipts, partner confirmations, and references surfaced by EMD are valid evidence and may be shared with the partner for dispute resolution.
7.10 Gift Cards & Gift PPI
7.10.1 Nature of Service & Issuance
Gift Cards, Gift Vouchers, and Prepaid Payment Instruments (“Gift PPI”) offered through EaseMyDeal are issued and governed solely by Pine Labs Private Limited (or its authorized issuing entity) or any other authorized issuing entity, which is a licensed PPI issuer under applicable RBI Master Directions.
EaseMyDeal acts only as a technology intermediary and facilitator for purchase, delivery, and customer support. It neither issues nor regulates Gift Cards/PPIs and provides no warranty as to their quality, merchantability, or suitability for a particular purpose.
7.10.2 Purchase, Delivery & Redemption
Users may purchase Gift Cards/PPIs using valid payment instruments permitted on the Platform. Delivery may be electronic (via SMS, email, in-app wallet) or physical (plastic cards, vouchers), as per issuer configuration.
Redemption terms, merchant acceptance, usage restrictions, and applicable limits are set exclusively by the issuer. These may include restrictions on merchant categories, transaction values, cross-border usage, or wallet-to-wallet transfers.
EaseMyDeal shall not be liable for any refusal of acceptance by a merchant, technical downtime, or failed redemption caused by merchant systems or issuer systems.
7.10.3 Validity, Expiry & Non-Transferability
Each Gift Card/PPI is subject to a defined validity period as per the issuer’s policy and RBI regulations. Upon expiry, any unused balance lapses automatically without refund or revalidation, unless otherwise required under law.
Gift Cards/PPIs cannot be reloaded, exchanged, resold, or transferred to another person except as explicitly permitted by the issuer or regulator. No resale or secondary trading via the Platform is permitted
EMD has no obligation to send expiry reminders; Users must track validity and usage
7.10.4 Loss, Theft, Misuse & Security
Users are solely responsible for securing Gift Card/PPI credentials (codes, PINs, OTPs, QR links). Any loss, theft, phishing, skimming, cloning, or unauthorized usage shall be deemed a User liability.
Neither EaseMyDeal nor Pine Labs nor any other issuing entity shall be liable for unauthorized transactions resulting from compromised credentials, User negligence, malware, or third-party fraud.
Replacement or reissuance (if permitted) will be subject to issuer discretion, applicable fees, and fulfillment of due verification requirements.
EMD staff will never request OTP/PIN; Users must not share credentials with anyone.
7.10.5 Refunds, Cancellations & Chargebacks
Purchases of Gift Cards/PPIs are final, non-cancellable, and non-refundable once successfully issued, except where expressly required under applicable RBI guidelines or law.
Refunds (where applicable) are governed entirely by the issuer’s internal policy. EaseMyDeal only acts as a support channel and shall not be responsible for the quantum, eligibility, or timelines of refunds.
Chargebacks or reversals initiated via card networks, banks, or payment gateways shall be evaluated by EaseMyDeal and the User’s financial institution.
No interest or yield is payable on Gift Card/PPI balances or refunds.
7.10.6 Compliance with Law & KYC
Users may be required to undergo KYC verification as per RBI PPI guidelines prior to loading, redemption, or utilization of Gift Cards/PPIs.
The issuer and EaseMyDeal reserve the right to block, suspend, or cancel any Gift Card/PPI in cases of suspected fraud, AML/CFT red flags, or non-compliance with KYC/AML norms.
Users acknowledge that failure to complete or update KYC may result in forfeiture of balances without liability on EaseMyDeal.
7.10.7 Limitation of Liability
EaseMyDeal disclaims all responsibility for:
Refusal of acceptance by merchants.
Expired, inactive, or blocked Gift Cards/PPIs.
Delays in activation, redemption, or refund due to technical errors.
Fraudulent, unauthorized, or erroneous transactions arising from User negligence or third-party compromise.
All disputes, claims, or grievances regarding issuance, usage, validity, or redemption of Gift Cards/PPIs must be raised directly with the issuer, and Issuer decisions on activation, redemption, expiry, KYC outcomes, and refunds are final and outside EMD control.
7.10.8 Risk Disclosure & User Acknowledgement
Users expressly acknowledge and accept the following:
Expiry Risk: Balances may lapse on expiry without refund, reissue, or transfer.
Acceptance Risk: Merchant acceptance may vary, and EaseMyDeal cannot guarantee universal redemption.
Fraud & Theft Risk: Gift Cards/PPIs are bearer instruments and are vulnerable to phishing, malware, hacking, and unauthorized usage.
Regulatory Risk: RBI or issuer-mandated restrictions may alter validity, redemption, or acceptance conditions without prior notice.
No Guarantee: EaseMyDeal does not warrant continuous availability, system uptime, or uninterrupted redemption.
By purchasing or using Gift Cards/PPIs, Users confirm that they have read, understood, and voluntarily accepted these risks, and agree to hold EaseMyDeal harmless from any loss, damage, or liability arising therefrom.
Gift PPIs are non-reloadable with a maximum value cap and cannot be used for cash withdrawal or fund transfer; acceptance is limited to issuer-enabled merchants
System downtime, merchant outages, issuer maintenance, or fraud trends may restrict redemption without recourse against EaseMyDeal
8. Refunds, Cancellations & Dispute Escalation Procedures
8.1 General: Refunds and cancellations are subject to partner/issuer/biller/supplier policies, payment gateway rules, and applicable law. EaseMyDeal will act as a facilitator to lodge claims, provide transaction evidence, and escalate matters with partners and banks.
8.2 Timelines: Response and settlement timelines vary by partner and bank. EaseMyDeal does not control or guarantee timelines.
8.3 Escalation Procedure (Suggested flow — see Annex A):
Step 1: Raise a support ticket via Platform “Complaints and Feedback or send an email to (include transaction ID and supporting documents).
Step 2: EaseMyDeal acknowledges receipt and forwards to the relevant Service Provider.
Step 3: Service Provider responds; EaseMyDeal communicates the outcome to the User.
Step 4: If unsatisfied, the User can escalate to regulatory grievance bodies or bank chargeback mechanisms, subject to the nature of the transaction.
8.4 Chargebacks & Payment Reversals: Chargebacks initiated at the bank or issuing instrument are subject to bank rules and may result in temporary reversal pending investigation. EaseMyDeal is not responsible for disputes arising from cardholder chargebacks.
9. Intellectual Property; User Content; License Grants
9.1 EaseMyDeal IP: All content, trademarks, logos, images, software, and other materials on the Platform are the property of EaseMyDeal or its licensors. You may not use EaseMyDeal’s trademarks or content without prior written permission.
9.2 User Content: By posting or submitting any content (including ratings, reviews, or feedback) you grant EaseMyDeal a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, publish, translate, distribute, and display that content on the Platform and in related promotional activities.
9.3 Feedback: If you provide feedback or suggestions, you agree that EaseMyDeal may use such feedback without restriction and without obligation to you.
10. Third-Party Services, Links & Marketplace Nature
10.1 Third-Party Links: The Platform may contain links to third-party websites and services. EaseMyDeal is not responsible for its content or practices. Third-party sites have their own terms and privacy policies; access is at the User’s risk, and EaseMyDeal has no duty to monitor or control third-party content.
10.2 Marketplace Nature: The Platform is a marketplace that allows users to access third-party services and is not a provider of those services unless explicitly stated. EaseMyDeal does not perform, warrant, or assume obligations of third-party services unless expressly stated in a product-specific term.
10.3 No Endorsement: Reference to any third-party products, services, logos, or links does not constitute an endorsement.
11. Prohibited Uses
You agree not to use the Platform to:
Violate any applicable law, regulation, or third-party right.
Send unsolicited advertising or spam.
Attempt to gain unauthorized access to any area of the Platform or other user accounts.
Interfere with or disrupt the integrity of the Platform or its data.
Use the Platform for money laundering, fraudulent activities, or other illicit purposes.
EaseMyDeal reserves the right to investigate and prosecute violations and may suspend or terminate accounts. EaseMyDeal may log, preserve, and share information with law enforcement/regulators for suspected illegal activity.
12. Suspension, Termination & Account Closure
12.1 Suspension: EaseMyDeal may suspend access to the Platform or specific accounts for suspected fraud, security concerns, violation of these Terms, or by order of a competent authority. Holds/freezes may apply pending sanctions/PEP/AML review or regulator requests; EaseMyDeal may request additional documents for remediation.
12.2 Termination: EaseMyDeal may terminate these Terms, your Account, and access to the Platform at any time, with or without cause and with or without notice.
12.3 Effect of Termination: After termination, you remain liable for obligations incurred prior to termination. EaseMyDeal may delete or retain certain information as required by law or policy.
13. Security; Fraud; Fraud Prevention; Account Recovery
13.1 Security Measures: EaseMyDeal implements reasonable administrative, technical, and physical safeguards to protect personal data and transactions, but does not guarantee absolute security. Security is a shared responsibility; Users must maintain device hygiene and update credentials; absolute security cannot be guaranteed.
13.2 Fraud Monitoring: EaseMyDeal may monitor transactions for fraud and suspicious activity. We reserve the right to block or refuse transactions suspected of fraud. High-risk actions may require step-up authentication; suspicious sessions may be invalidated without notice..
13.3 User Responsibility: You must notify EaseMyDeal immediately of any unauthorized use of your account or password. EaseMyDeal staff will never ask for OTP/CVV/PIN; do not share credentials with anyone. Report compromises promptly for risk mitigation.
14. Privacy & Data Use
14.1 The Platform collects personal and transaction data necessary to provide services. Please refer to the separate Privacy Policy (URL - https://www.easemydeal.com/privacy-policy) for detailed information about data collection, storage, usage, sharing, security, and retention.
14.2 By using the Platform, you consent to the processing of your data in accordance with the Privacy Policy, including sharing with third-party service providers for transaction fulfilment.
15. Representations by EaseMyDeal; Disclaimer of Warranties
15.1 Representations: EaseMyDeal represents that it operates a technology platform to facilitate access to third-party services.
15.2 Disclaimer: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EXCLUDING ANY LIABILITY WHICH CANNOT BE EXCLUDED BY LAW, EASEMYDEAL PROVIDES THE PLATFORM "AS IS" AND "AS AVAILABLE" AND DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR ANY WARRANTY THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.
15.3 No Guarantees: EaseMyDeal does not guarantee results, outcomes, delivery times, or partner performance. All such obligations are the responsibility of the Service Provider.
16. Indemnity (User Indemnity)
16.1 You agree to indemnify, defend, and hold harmless EaseMyDeal, its affiliates, officers, directors, employees, and agents from and against any and all claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:
Your breach of these Terms, representations, or warranties;
Your use of the Platform, or any transactions you enter into through the Platform;
Your violation of any law or third-party rights;
Any content you submit or transmit through the Platform.
IP infringement, defamation, or unlawful content submitted by the User.
Indemnity includes reasonable investigation costs, penalties, assessments, and professional/legal fees.
17. Limitation of Liability (Extensive Disclaimer)
17.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL EASEMYDEAL, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE PLATFORM, THE SERVICES, OR THESE TERMS, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF EASEMYDEAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
17.2 EXCEPT AS REQUIRED BY APPLICABLE LAW, EASEMYDEAL’S AGGREGATE LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL BE LIMITED TO THE CONVENIENCE FEE/PLATFORM FEE PAID BY YOU TO EASEMYDEAL IN THE 12 MONTHS PRECEDING THE CLAIM. TO THE EXTENT PERMITTED BY LAW, IF NO AMOUNT WAS PAID, EASEMYDEAL’S LIABILITY IS EXCLUDED TO THE MAXIMUM EXTENT POSSIBLE.
17.3 User acknowledges that these limitations are a fundamental part of the basis of the bargain between the parties and that EaseMyDeal would not provide the Platform on the same terms without such limitations.
18. Force Majeure
EaseMyDeal shall not be liable for delays or failures in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, war, strikes, embargoes, government orders, internet infrastructure failures, pandemics, or other force majeure events. Includes payment network or BBPS/NPCI outages, regulatory embargoes, and supplier insolvency; remedies/refunds follow partner/network policy; EaseMyDeal cannot override third-party rules.
19. Notices; Communications
All notices from EaseMyDeal to Users may be provided via email, SMS, in-app notifications, or posting on the Platform. Electronic Communications & ERecords—Legal notices, disclosures, invoices, KFS, and updates may be delivered electronically and are legally effective. Notices to EaseMyDeal must be sent to the address listed in Section 24.
20. Modification of Terms; Updates
20.1 EaseMyDeal may modify these Terms by posting an updated version on the Platform. The updated Terms will become effective as indicated in the "Last updated" header or upon a communicated effective date (whichever is later).
20.2 Continued use of the Platform after the effective date constitutes acceptance of the updated Terms.
21. Assignment
You may not assign your rights or obligations under these Terms without EaseMyDeal’s prior written consent. EaseMyDeal may assign or novate these Terms at any time, including as part of a corporate restructuring or sale.
22. Governing Law; Dispute Resolution; Jurisdiction
22.1 Governing Law: These Terms and any disputes arising out of or in connection herewith shall be governed by and construed in accordance with the laws of India.
22.2 Dispute Resolution: Any dispute, controversy, or claim arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts in New Delhi, India. Parties submit to personal jurisdiction in such courts.
23. Severability; Waiver; Entire Agreement
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. Failure by EaseMyDeal to enforce any provision of these Terms shall not constitute a waiver.
24. Contact & Grievance Redressal
If you have questions or complaints related to these Terms or the Platform, you may contact EaseMyDeal at:
Corporate Office: G-31, Sector-3, Noida, UP-201301
Registered Office: Flat 5, Site 4, Vikaspuri, New Delhi-110018
Email (Support): Legal/Grievance Officer: Phone: +91-8860006106 (Monday-Friday: 11 am-5 pm IST (except all major holidays))
Please include relevant transaction IDs, screenshots, and contact details when raising a grievance.
Annex A — Suggested Flow for Refunds and Dispute Escalation
User raises a ticket on the Platform / sends an email to and provides transaction ID, time stamp, screenshots, and a concise description.
EaseMyDeal acknowledges receipt within 48-72 hours and classifies the issue (technical, commercial, chargeback, complaint).
For biller/operator disputes, EaseMyDeal forwards the issue to the Service Provider and requests resolution.
Upon receiving the provider's response, EaseMyDeal updates the User. If the response is unsatisfactory, EaseMyDeal will escalate as per contractual partner escalation points.
If the matter remains unresolved, the User may approach banking chargeback channels or the regulator (e.g., Reserve Bank of India for payment disputes), or file a civil suit in New Delhi as per Section 22.
EaseMyDeal is a New-Age FinTech Startup redefining the way Indians transact, save, and shop online. Built with the vision to simplify every financial and digital experience, EaseMyDeal brings together a wide spectrum of FinTech and Digital Services under one seamless platform.
From Credit Reports & Scores, Credit Cards, Loans, Digital Gold & Silver, and Gold FDs, to Flight & Hotel Bookings, Gift PPIs, Recharges, and BBPS Bill Payments — we’ve made it easier than ever to manage your money and lifestyle in one place.
Our users can explore 5000+ bank and brand offers across 500+ leading names, earn instant cashback, and enjoy exclusive rewards on every transaction via the EaseMyDeal Android & iOS App.
With a mission to revolutionize how Indians deal with digital transactions, we’ve already empowered over 4 million customers across India and achieved a Total Payment Volume (TPV) of over 500+ crore, entirely through our bootstrapped journey — earning us the recognition of “Bootstrapped Business of the Year.”
EaseMyDeal is owned and operated by Inditab Esolutions Private Limited, a company registered under the Companies Act, 2013 with the Registrar of Companies, Delhi, bearing CIN: U74999DL2017PTC321778 (incorporated on 07-08-2017).
We take pride in our commitment to compliance, security, and user trust. EaseMyDeal is PCI DSS compliant, RBI SAR DL audited, CICRA 2000 certified, and operates under a registered trademark owned by Inditab Esolutions Private Limited.
At EaseMyDeal, we’re not just building a FinTech platform — we’re building India’s most trusted digital marketplace for everyday financial empowerment.
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