Backed by Grow Money Capital
Backed by Grow Money Capital
Please read these terms carefully before using our website and services. These terms govern your relationship with Grow Money Capital Private Limited.
Grow Money Capital Private Limited (hereinafter referred to as "Cashvia" or "Company" or "We") is a Non-Banking Financial Company registered with the Reserve Bank of India, operating as an NBFC-ND (non-deposit taking) and complying with all applicable RBI regulations, directions, and guidelines.
As an NBFC-ND, the Company does not accept public deposits. We are engaged in the business of providing credit facilities including Personal Loans, Business Loans, and Loans Against Property (LAP) in compliance with RBI Master Directions.
These Terms of Use (the "Terms of Use" or "Terms & Conditions") govern the use of our website at https://growmoney-web.digicredit.in/ (Website) and the Services offered through Cashvia.
Please read these Terms and Conditions carefully before using the Website. By accessing any part of this Website and/or using the information provided on, or downloading materials from this Website, you agree to be bound by the Terms and Conditions set forth herein.
If you do not agree to abide by these Terms and Conditions please do not access/use this Website or download materials from this Website.
Definition: For the purposes of these Terms of Use, "You" or "your" refers to anyone who visits, accesses, browses or uses the Cashvia website.
We have developed a simple and innovative platform to offer customizable best-suited credit facilities. Currently, we offer the following financial products:
All our Services are subject to applicable laws, government notifications, the rules, regulations, and guidelines issued by the Reserve Bank of India ("RBI"), and any other regulatory bodies defining the rules/regulations governing the offer of any Services on the website.
Any new services introduced in the future will require separate acceptance of additional terms and conditions specific to those services.
Before sanctioning any loan, you will receive a comprehensive Sanction Letter / Loan Agreement containing complete transparency on all financial terms.
In accordance with RBI Digital Lending Guidelines (2022), a Key Fact Statement (KFS) will be provided to you before execution of any loan agreement, containing all critical loan terms in a standardized format for easy comparison.
You have the right to make part or full prepayment of your loan at any time. Upon prepayment, interest will be recalculated based on the actual principal outstanding period. Any applicable prepayment charges will be clearly disclosed in the Sanction Letter and will be in accordance with RBI guidelines.
You represent and warrant that you are competent and eligible to enter into a legally binding agreement and be bound by these Terms & Conditions. You shall not access and use the Platform or avail our Services if you are not competent to contract under the applicable laws, rules and regulations.
We shall have the right to deny or not allow opening of Cashvia user Account if the information provided by you does not, in our sole discretion, amount to reliable information or appears to be fraudulent.
We shall have the right to terminate Cashvia user Account if we discover any deficiency in the information provided by you at a later date.
In compliance with the Prevention of Money Laundering Act, 2002 (PMLA) and RBI Master Directions on Know Your Customer (KYC), we are required to verify the identity of all customers before establishing a business relationship.
You must provide valid identity proof, address proof, photographs, and any other documents as prescribed by RBI from time to time. We reserve the right to conduct periodic KYC updates and ongoing due diligence.
In the course of availing Services, you authorize Cashvia, directly or through third parties, to make any inquiries we consider necessary to validate your identity and to collect information about you in accordance with these Terms & Conditions, our Privacy Policy, IT Act 2000, Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (SPDI Rules), and RBI's data protection directions.
In the event Cashvia is unable to obtain or verify your information, Cashvia reserves the right to close, suspend, or limit access to your Account and/or the Services rendered.
In respect of any transactions permitted by Cashvia, Cashvia's own records maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes. The record of Cashvia generated by the transaction(s), including the recording of the time of the transaction(s), shall be conclusive proof of the genuineness and accuracy of such transactions.
All records will be retained for at least 8 years or as prescribed by RBI for audit and regulatory purposes.
Your personal and financial data will be processed in accordance with our Privacy Policy. We implement industry-standard security measures to protect your data. The purpose of data collection is limited to service delivery, risk assessment, regulatory compliance, and fraud prevention. Data will not be transferred outside India without your explicit consent, except as required by law.
By using our digital platform and accepting loan offers electronically, you provide your explicit consent and electronic signature as per the Information Technology Act, 2000 and rules thereunder.
You acknowledge that electronic records and digital signatures have the same legal validity as physical documents and wet signatures. Your acceptance of loan terms through OTP, e-sign, or other digital authentication methods constitutes a legally binding agreement.
For secured loans such as Loan Against Property, the following terms apply:
In case of default, the Company reserves the right to enforce the security interest and realise the mortgaged property through legal means as per the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002. A notice period of at least 60 days will be provided before initiating security enforcement proceedings.
A default occurs when:
In accordance with RBI Fair Practices Code, we commit to the following recovery practices:
Before initiating any security realisation or legal proceedings, we will provide you with adequate notice (minimum 60 days for secured loans, 15 days for unsecured loans) and an opportunity to cure the default by making payment along with applicable charges.
The Company reserves the right to assign, transfer, or securitise the loan or any part thereof, including all rights, title, and interest in the loan, to any third party including but not limited to banks, financial institutions, Asset Reconstruction Companies (ARCs), or other entities, without your prior consent.
In the event of such assignment or transfer:
We may employ third-party service providers, agents, and vendors for various purposes related to our business operations and service delivery.
You acknowledge that verified third-party service providers will have access to your personal information on a need-to-know basis to assist us in rendering Services.
The service providers are restricted from using the information for any other reason and are obligated not to disclose or use the information for any other purpose. We remain responsible for their conduct and compliance with data protection requirements.
If we engage any Lending Service Providers (LSPs) or Digital Lending Platforms (DLPs) as per RBI Digital Lending Guidelines 2022, their name, role, and contact details will be clearly disclosed to you. All such partners will comply with RBI requirements for fair practices and data protection.
Please carefully consider the following risks before availing any credit facility:
Borrow responsibly. Assess your repayment capacity before taking any loan. Do not borrow to repay existing loans.
The information and data contained in the platform do not constitute an offer to buy or sell or solicitation of an offer to buy or sell any Services in any jurisdiction other than India.
Cashvia does not make any warranty that the contents of the Website are free from infection by viruses or anything else which has contaminating or destructive properties and shall have no liability in respect thereof.
The information on this Website is updated periodically. Cashvia gives no warranties (whether expressed or implied) or recommendations, as to the quality, accuracy, efficacy, completeness, performance, fitness for a particular purpose of this Website or any of its contents.
The content of this Website does not constitute an express or deemed opinion or an expert view.
Any decisions will be based solely on your own evaluation and neither Cashvia or its representatives nor any third party shall be liable for any loss or damage of any kind whatsoever, caused by your reliance on the information obtained through this Website.
You understand that Cashvia does not provide any warranties for its Services and shall not be made liable for any claims made by you or any third party.
You undertake to accept and be solely liable for the Services availed by you from Cashvia.
You further undertake to indemnify and hold harmless Cashvia, its affiliates, and their respective directors, officers, employees, agents and representatives against all damages suffered or losses incurred by Cashvia arising due to any act, omission, or claim initiated by you or any third party in relation to the Services availed by you or in case of breach of these Terms & Conditions or any warranty by you.
We grant you a non-exclusive, non-transferable, limited right of access to this Website. You are not permitted to archive or retain any information or content herein in any form without our prior written permission.
This limited right to access the Website terminates automatically, without notice to you, if you breach any of the Terms and Conditions mentioned herein.
You agree not to:
We reserve the right to deny you, at our sole and absolute discretion, access to the Website, including any portion thereof without any prior notice.
In no event shall we be liable for any direct, indirect, punitive, incidental, special or consequential damages or for any damages whatsoever including, without limitation:
This applies whether based on contract, tort, negligence, strict liability or otherwise. This clause shall survive in perpetuity.
The Company shall not be liable for any failure or delay in performing its obligations under these Terms if such failure or delay is due to circumstances beyond its reasonable control, including but not limited to:
During such force majeure events, the Company's obligations shall be suspended for the duration of such event, and the Company shall not be liable for any losses or damages arising therefrom.
In compliance with RBI guidelines, we have adopted a comprehensive Fair Practices Code that governs our interaction with customers. The Fair Practices Code covers aspects such as loan application process, disbursement procedures, interest rate policies, grievance redressal, and recovery practices.
Our complete Fair Practices Code is available on our website https://growmoney-web.digicredit.in/ and can be accessed at any time. We encourage all customers to read and understand the Fair Practices Code before availing our services.
We are committed to providing excellent customer service. In case you have any grievance, complaint, or concern regarding our services, we have established a structured grievance redressal mechanism.
Step 1: Lodge Your Complaint
Contact our Grievance Officer with your complaint via email, phone, or written communication
Step 2: Acknowledgment
You will receive an acknowledgment within 7 working days with a unique complaint reference number
Step 3: Resolution
We will resolve your complaint within 30 days from the date of receipt
Name: Dhruv Bhardwaj
Designation: Grievance Redressal Officer
Email: support@cashvia.in
Phone: +91-8800831648
Address: 211, New Delhi House, 2nd Floor, 27 Barakhamba Road, Connaught Place, New Delhi-110001
Name: Amit Shroff
Designation: Nodal Officer
Email: compliance@cashvia.in
Phone: +91-8800831648
Address: 211, New Delhi House, 2nd Floor, 27 Barakhamba Road, Connaught Place, New Delhi-110001
If you are not satisfied with our response or do not receive a response within 30 days, you may approach the RBI Ombudsman:
RBI Ombudsman Scheme
Website: https://cms.rbi.org.in
Email: crpc@rbi.org.in
We treat all complaints with utmost seriousness and strive to resolve them fairly and expeditiously. Your feedback helps us improve our services continuously.
All communications, notices, and correspondence from the Company to you via the following modes shall be considered valid, binding, and legally enforceable:
It is your responsibility to keep your contact information updated. The Company shall not be liable for non-receipt of communication due to incorrect or outdated contact details.
Cashvia reserves the right to revise and update these Terms and Conditions from time to time. We will provide at least 30 days' written notice before amending these terms through email or other communication modes.
If you disagree with the amended terms, you may terminate your relationship with Cashvia after clearing all outstanding dues within the notice period.
Your continued usage of the Website or Services after the notice period is considered as an implied acceptance of the changes and that you agree to abide by the revised Terms and Conditions.
In case you share any information on this Website, please also read the Privacy Policy of Cashvia, which forms an integral part of these Terms & Conditions.
If any provision of these Terms & Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely approximates the intent and economic effect of the invalid provision.
These Terms & Conditions (and by extension, the Privacy Policy) are governed and construed in accordance with the laws of India.
By using the platform, you hereby irrevocably consent to the exclusive jurisdiction and venue of Courts where the registered office of the Company is situated, in the event of any disputes arising out of or in relation to your access to and use of the platform.
However, consumers also have the right to approach the appropriate Consumer Forum under the Consumer Protection Act, 2019, based on their location or the Company's registered office location.
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