I hereby irrevocably and unconditionally give the following consents and authorizations:

1. I authorise PayU Finance India Private Limited (Lender) to collect, use, store, process and share all information in relation to my contract/arrangements available with the Lender, LazyPay Private Limited (being the lending service provider (LSP) of the Lender) and/or any other third party, in relation to, and for the purpose of determining my eligibility for the loan/credit facility (Loan) and/or for ongoing credit and risk assessment undertaken/ to be undertaken by the Lender during the tenure of the Loan and/or for the purposes of recovery of the Loan granted to me by the Lender. Such information shall include, but is not limited to: name, date of birth, PAN, net monthly salary, employer category, employer name, communication address pin-code, salary credit mode (cash or bank), provided by me to the LSP (collectively, the Borrower Data). I agree that the LSP and/or the Lender may seek additional consents or authorisations from me (if the same is mandated under applicable laws) to seek additional information/data as Borrower Data for the purposes of providing the Loan.

2. I hereby acknowledge that the Loan/Credit Facility will be extended to me on the basis of Borrower Data and my other personal information (collectively referred to as My Data) shared by me with the LSP for onward sharing with the Lender (and its service providers / agents / representatives). I confirm and consent that the LSP is authorised to collect, use, transfer, share, process and store My-Data with the Lender and the Lender may further share, process or transfer My-Data to its agents, representatives and service providers, as and when required by the Lender and/or the LSP and till such time I remain subscribed to the Loan or the Loan is extended or I continue to remain onboarded, either with the Lender or on the digital lending platform of the LSP.

3. I appoint the Lender, as my authorized representatives to receive my credit information from TransUnion CIBIL Limited and/or any other credit information company (collectively referred to as Credit Bureaus). I hereby unconditionally consent to and instruct each Credit Bureau to provide my credit information to the Lender for undertaking, amongst other, my credit assessment and/or monitoring my credit worthiness, from time to time.

4. I authorize and grant consent to the Lender to obtain, receive, process and store my know-your customer (KYC) details/documents from Central KYC Registry and/or any other similar entity(ies)/body(ies), for undertaking, amongst other, my credit assessment, onboarding, conducting due diligence and monitoring my credit worthiness, etc., from time to time.

5. I authorize and grant consent to the Lender to share with, or disclose, subject to applicable laws, my credit information, and/or any other information(s)/document(s) received by the Lender from Credit Bureaus, and KYC details/documents held with or received by the Lender with: (a) its agents or service providers for the purposes of: (i) evaluation of my Loan application, sanctioning and granting Loan to me; (ii) conducting credit assessment for sanctioning Loan to me, (iii) conducting due diligence on me and monitoring my credit worthiness in relation to the Loan availed or proposed to be availed by me, (iv) undertaking collections and recovery services; and (v) such other purpose as may be deemed appropriate by the Lender, and (b) with regulators, other governmental authorities and courts / tribunals.

6. I authorize and grant consent to the Lender to obtain, receive, process, verify and store my PAN number/copy of PAN card/Pan details from Protean eGov Technologies Limited (formerly NSDL e-Governance Infrastructure Limited), for undertaking, amongst other, my credit assessment, onboarding, conducting due diligence and monitoring my credit worthiness, etc., from time to time.

7. I authorize the Lender and/or the LSP for one-time access to the camera, microphone, location, or any other facility of my electronic devices for the purpose of onboarding/KYC requirements for availing the Loan from the Lender.

8. I hereby agree and acknowledge that My-Data can be, subject to the provisions of applicable laws, collected, used, processed, stored and shared by the Lender with the LSP and/or other third party and in each case, their respective agents, representatives and service providers, as and when required by the Lender, in relation to the Loan availed/proposed to be availed by me from the Lender till such time I: (a) repay to the Lender all outstanding payments in relation to the Loan availed by me from the Lender and close the Loan or (b) remain associated with the Lender or (c) as may be required by applicable laws or directions of a regulatory or statutory authority (whichever is later).

9. I hereby agree and acknowledge that in the event where I revoke/withdraw my consent to collect, store, use, process or share any information in relation to me that is in the nature of My-Data, I shall intimate the Lender in writing, and shall immediately cease the use of the Loan availed from the Lender and make payments of all amounts in relation to the Loan including, without limitation, the disbursed amount and the interest thereon, including any other charges and fees as specified in the facility documents that I have entered with the Lender, that have remain unpaid or are outstanding;

10. I hereby agree and acknowledge that in the event where I do not provide my consent for collection, storage, processing, sharing and use of My-Data as requested above, the Lender may, at its sole discretion, not provide or cease to provide the Loan to me;

11. These authorizations / consents are in addition to and without diluting the general consent available under the applicable law and/or granted by me in any other document or agreement or manner, from time to time.

12. I hereby agree and acknowledge that these consents and authorizations form a part of the agreement/ facility document to be entered into by me in relation to the Loan and shall be designated as a facility document by the Lender.

13. I acknowledge and agree that I may request to delete or erase any personal information (including, but not limited to, Borrower Data) to the extent permitted under the Lender’s Privacy Policy and applicable laws (provided however that I acknowledge and agree that notwithstanding any such request by me, the Lender and/or the relevant third parties may retain such information to the extent required under applicable laws or as per statutory or regulatory requirements).

14. I hereby consent to the Privacy policy of PayU Finance which have been read and understood by me.

15. Location: I hereby consent PayU finance to authorize access, collect, and store my geographical location data on its servers. PayU finance may utilize this data to provide hyper-local services and enhanced application functionalities, prevent fraud, verify my address, determine the place of execution or acceptance of documents, and ensure regulatory compliance.

16. Metadata: I hereby consent PayU finance to collect, access, and store metadata regarding my mobile device state. I acknowledge that this data will be utilized to establish this mobile device as a trusted device, enhance security, and mitigate operational risks, including but not limited to fraud prevention and risk management.

17. I hereby confirm that I am an Indian National having tax residency in India and am not a tax residency of USA or any other country.

18. I hereby consent that all information submitted by me to PayU Finance is true and correct to the best of my knowledge. I undertake to inform PayU Finance within thirty (30) days of any changes to the information or documents submitted by me.

19. We may share or disclose your personal data with associated technology partners, lending partners and other associated third parties such as credit bureaus and recovery teams. This disclosure may be required for us to provide you access to our products and services, use of our Platform, for checking your eligibility for the products and services offered on Platform, for enhancing your experience, to comply with our legal obligations, to enforce our agreement(s) with you, to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our services, for providing credit defaults and credit information, for communicating with you, conducting KYC verification and authenticate your KYC information with the relevant authorities such as TransUnion CIBIL, CRIF, NSDL, CERSAI, Digilocker, CKYCR, to register you for the products or services that you would be opting for, to facilitate our marketing and advertising activities and to provide you their products and services which they may market to you as a result of such sharing. The details of the third parties and the purpose of data mentioned below.