Borrower’s consent is the section where the borrower is asked to understand, acknowledge and agree to share their details such as personal, professional and other details to the DLAs, LSPs and Lenders for the loan approval process. Following are the details where we need your consent to proceed for Loan Application:-

• Login/SignUp
  While Signup we request consent for Retrieving your credit report, sending whatsapp message, Permissions and Details.

  1. Permissions
     Contacts, SMS, Phone, Files & Media, Location, Camera, Device, Installed Apps etc..

  2. Details
     Email Address, Phone Number.

• Eligibility Check
  While Eligibility check we request consent for Permission and Details.

  1. Permissions
     SMS, Phone, Location

  2. Details
     Email Address, Phone Number, Father’s Name, Date of Birth, Pincode (Current Address), Employment Type, Salary Type, Net Monthly Salary, PAN No., PAN Fetch, CIBIL Report, SMS

• Application Process
  During the Application Process we request consent for Permission and Details.

  1. Permissions
     Contacts, Locations, Device

  2. Details
     

     1. Employer Details
        Company Name, Company Name, Pincode, Total Work Experience, Designation, Official Email Address (optional).

     2. General Info
        Marital Status, Education, Institute Name, Family Reference Contact, Friend Reference Contact.

     3. Address Details
        Current Address and it’s Resident Type, Pincode, Complete Current Address, Permanent Address and it’s Resident Type, Pincode, Complete Current Address, Rental Proof(Photo of Aadhaar, Passport, Electricity Bill, Driving License, Voter ID, Rental Agreement or Passbook)

• KYC
  While KYC Verification Process we request consent for Permission and Details.

  1. Permissions
     Camera, SMS, Files and Media, Location.

  2. Details
     Aadhaar Details, PAN Details, Selfie.

• Bank Details
  During the Bank Details and Uploading bank statement we request consent for Permission and Details.

  1. Permissions
     SMS, Files and Media, Camera, Location.

  2. Details
     Bank Account Number, Bank Statement.

Third Party consent is the section where the borrower is asked to understand, acknowledge and agree to share their details such as personal, professional and other details to the Third party for the loan approval process. Following are the details where we need your consent to proceed for Loan Application:

• KYC
  KYC is Mandatory to avail any financial services. 3rd Party Services are used for verification process.

  • Aadhaar
    We verify your Aadhaar with the help of Third party through Aadhar details, scan and/or DigiLocker

  • PAN
    We verify your PAN with the help of Third party through scanning your PAN Card or through PAN details.

  • Selfie
    We verify your selfie with the KYC documents provided by you.

• Bank statement
  While Eligibility check we request consent for Permission and Details.

  1. Permissions required by 3rd Party:
     Camera, Files & media and SMS.

  2. Details:
     Bank name, Account holder name, account number, IFSC code and/or bank branch details, account statement.

• Credit Rating
  During the Application Process we request consent for Permission and Details.

• Payment Services
  While KYC Verification Process we request consent for Permission and Details.

  1. Permissions required by third party:
     SMS and location

  2. Details:
     Bank name, Account holder name, account number, IFSC code and/or bank branch details, mobile number, Email ID, and Payment mode details.

• Bank Details
  During the Bank Details and Uploading bank statement we request consent for Permission and Details.

  1. Permissions
     SMS, Files and Media, Camera, Location.

  2. Details
     Bank Account Number, Bank Statement.

Grievance Redressal Policy

PURPOSE

Customers are the assets of our company, even though it may not seem like this at a first glance, customer complaints are a blessing in disguise.
The most important element of every business is its clients. The more clients you have, the more successful your business will be.
Complaint redressal is supported by a review mechanism, to minimize the recurrence of similar issues in future.

GRIEVANCE REDRESSAL MECHANISM OF THE PLATFORM

Customer can raise their concerns pertaining to the Platform, EMI schedule, Facility Type, Processing Fee and / or any other charges or product or any other services or any other concern related to the authorised representatives of the Company as below.

Grievance Redressal Officer

Name:	Shreya Rai
Designation:	Grievance Officer
Email ID:	grie[email protected]
Contact No:	7314629923
Address:	Office no. 315, 3rd Floor, Ambuja mall, Vidhan Sabha Road, Raipur, Chhattisgarh 492007

Customer may also contact grievance redressal officer of the lender.

Grievance redressal details of Orrish Finance Private Limited
https://www.orrishfinance.in/compilance.php

TIME FRAME

The issue can be escalated to the Grievance Officer only after 7 days of raising it.