Privacy Policy
Goeasy Loan Consultancy is committed to protecting the personal and financial information of our clients. To provide our services efficiently, we collect and maintain certain personal data with the highest standards of security and confidentiality.
This Privacy Policy explains how Goeasy Loan Consultancy collects, uses, processes, stores, retrieves, and shares your personal and sensitive information when you visit or use our website, mobile applications, call centre, or any other platform through which we offer our services.
This includes our website, mobile site, and any digital platform used to access our services, as outlined in our Terms and Conditions.
To provide you (and any co-applicants, nominees, or related members) with financial services, Goeasy Loan Consultancy and its authorized partners may collect relevant information with your consent.
All terms related to the use of our services are governed by our Terms and Conditions, which are incorporated into this Privacy Policy. Any capitalized terms not defined here shall have the same meaning as mentioned in the Terms and Conditions.
Non-Public Personal Information We Collect
When you apply for a loan or financial services, we may collect the following information:
KYC details such as name, address, email ID, date of birth, mobile number, PAN, employment details, income proof, and financial information Bank account details, transaction history, existing loans, and financial obligations with other banks or NBFCs Non-Public Personal Information We Share
Goeasy Loan Consultancy does not share your personal information with third parties except as required or permitted by law. This may include:
Legal requirements such as court orders Requests from government authorities like the Income Tax Department or regulatory bodies such as SEBI Situations where your explicit consent is provided Data Security & Confidentiality
We implement advanced security measures, including physical, electronic, and procedural safeguards, to protect your data. All sensitive information shared with Goeasy Loan Consultancy is encrypted to prevent unauthorized access.
Access to your data is restricted to authorized personnel only. We strongly advise you not to share your login credentials and to update your passwords regularly to maintain security.
Business Transitions
In case of any business transition such as a merger, acquisition, or sale of assets, your personal information may be transferred as part of the business assets. In such cases, we will notify you through a prominent notice on our platform.
Updates to This Privacy Policy
Goeasy Loan Consultancy reserves the right to update this Privacy Policy at any time. Any significant changes will be communicated through our website or other appropriate channels. We recommend reviewing this page periodically.
Your Choices & Rights
You can opt out of receiving marketing communications at any time You have the right to access, update, or correct your personal information Contact Us
If you have any questions or concerns regarding this Privacy Policy, please contact us at:
Email: doc.Goeasyloan@gmail.com
Terms & Conditions – Goeasy Loan Consultancy
Top-Up Loan Eligibility Requirements
To qualify for a Top-Up Loan, you must meet the following criteria:
1. Maintain a strong and healthy credit score
2. Successful home verification is required
3. Positive job or business verification (if applicable)
4. The vehicle must be in good condition
5. No intentionally overdue accounts in CIBIL (strictly not accepted)
6. A strong repayment track record on your existing vehicle loan
7. Maximum of 2 EMI bounces allowed in the last 12 months
Minimum credit score of 700 required
9. At least 12 EMIs must be completed on your current loan
10 . Important EMI Bounce Policy
11. No EMI bounce is allowed in the last 3 months
12. In case of any bounce during this period, the application will be shifted to a Refinance Loan with up to 100% car valuation, instead of a Top-Up Loan
13. Top-Up Loan Funding Structure
Based on your repayment history, funding eligibility is as follows:
1. After 12 EMIs: Up to 140% of car valuation (existing loan closure required)
2. 18–23 EMIs completed: Up to 160% of car valuation (existing loan closure required)
3. After 24 EMIs: Up to 180% of car valuation (existing loan closure required)
Note: Hypothecation is mandatory and must be updated within 30 days of loan disbursement
4. Purchase Loan Eligibility
5. Loan approval is subject to:
6. Vehicle must be in good condition
7. Strong credit profile
8. Successful home verification
9. Positive job or business verification (if applicable)
10. No overdue accounts in CIBIL
11. Name transfer and hypothecation must be completed within 30 days of disbursement
12. Refinance Loan (Hypothecation-Free Vehicle)
13. To apply for refinance:
14. Vehicle must be registered in the applicant’s name
15. Good credit score is required
16. Successful home verification
17. Positive job/business verification (if applicable)
18. Vehicle condition must be satisfactory
19. No overdue accounts in CIBIL
20. If previously financed, a valid NOC (No Objection Certificate) is mandatory
21. Hypothecation must be updated within 15 days after disbursement
22. Common Uses of Car Loan Funds
With Goeasy Loan Consultancy, your loan can support multiple financial needs:
1. Medical emergencies
2. Education expenses
3. Travel and vacations
4. Weddings and family events
5. Home renovation
6. Debt consolidation (repaying high-interest loans)