Company) and its affiliates have, as a part of their business objective, operate mobile applications by the name
Ninja Kiranaand website called https://www.ninjacart.com collectively referred as the (
Ninjacart Platform) that facilitates services its users (
Users) to trade with a wide variety of buyers and sellers in India’s agri-marketplace and record and manage their trades seamlessly with minimum effort. Ninjacart Platform also allows Users to pay and collect money from buyers and sellers across India, via multiple payment options (Services)
There is also certain information which will be collected from Users such as addresses, email addresses, telephone numbers, address proof and identity proof, User photographs and other contact information which may be used to personally identify Users directly or indirectly either from the collected information alone or from said information combined with other information which the Company may have access to about the User (
Personally Identifiable Information). It is important to note that information that is freely available in the public domain, or accessible under the Right to Information Act, 2005, or any other law will not be considered Sensitive Personal Information, or as Personally Identifiable Information. Sensitive Personal Information and Personally Identifiable Information is collectively referred to as (
The Company will only collect User Information that is necessary for the purposes of rendering the Services and will not further process it in a manner that is incompatible with those purposes unless otherwise consented by the User.
In the course of transacting on the Ninjacart Platform, the Company may provide the Users the option to pay with a credit card, wire-transfer, or debit card through the Ninjacart Platform’s third-party payment gateway provider or any other platform. This third-party payment gateway provider may be required to collect certain Financial Information from Users including, but not restricted to, their Financial Information. The Financial Information so collected will only be used for billing and payment for the use of the Services through the Ninjacart Platform. The processes of verifying the Financial Information will be entirely conducted by Users and the Ninjacart Platform shall have no part in such processes.
In case a User chooses to avail Services from the Company via the Ninjacart Platform or in cases where the User voluntarily shares such data, Ninjacart will also collect Users credit bureau data (based solely on the Users terms of consent for such sharing of credit bureau data with Ninjacart), income data, bank statements and other financial information for providing support services such as sharing credit bureau data and Know Your Customer (KYC) information with third party for their verification and facilitation with the consent of the User. The said information collected from Users is transacted through secure digital platforms of approved payment gateways which are under encryption, thereby complying with reasonably expected technology standards. While the Company shall make commercially reasonable efforts to ensure that Users’ financial information is duly protected by undertaking security measures prescribed under applicable laws, Users are strongly advised to exercise discretion while providing financial information while using the Services, given that the Company cannot guarantee absolute security over the internet.
IP) address of each user’s computer operating system;
Subject to applicable laws, the Company may keep records of telephone calls, emails, transactional SMS and other channels of communication received from and made to Users for the purpose of administration of Services, research and development, training, business intelligence, business development, or for User administration. The Ninjacart Platform may share the telephone records, emails, SMSs and other communications received from Users with third parties when required by law or when required to provide or facilitate the User with the Services.
In addition to the User Information collected by the Company (as outlined above), the Company may also collect other types of information which are not directly or indirectly linked to a User and which is aggregated, anonymized or de-identified including mobile phone resources, files and media, contact list, call, logs, telephony functions, camera, microphone, location or any other facility necessary for the purpose of onboarding/KYC requirements, etc, with explicit consent of the user. Such information is collected in order to improve the services we provide to you
Please note that all User Information is collected by the Company on an as-is basis and the Company shall not be responsible for the authenticity of the User Information provided by Users
Further, without prejudice to the above and subject to applicable laws, you hereby expressly consent to providing the following permissions to us in relation to the respective data usage:
|User Permission required||Data Usage|
|SMS data (Transactional SMS)||To understand User’s income and spending patterns thereby helping us or our affiliates in the credit evaluation and facilitating higher limits and faster approval rates.|
|Phone Permission||To collect and monitor specific information about a User’s device including hardware model, operating system and version, unique device identifiers like IMEI and serial number, user profile information to uniquely identify the devices and ensure that unauthorized devices are not able to act on User’s behalf to prevent frauds|
|App Permission||This app collects your installed applications on the device to enable understanding the usage of applications like VPN, gaming applications and others for fraud detection and understanding your risk profile, during the lending journey.
The Company collects User information from Users when Users register on the Ninjacart Platform, and place and order, subscribe to a newsletter, or enter information on the Ninjacart Platform. The Company may use email, app notifications, short message service (SMS) transactional, multimedia message service (MMS) or other forms of communication (such as WhatsApp) to share information with Users about certain promotions or features regarding the Ninjacart Platform which the Company or its affiliates, subsidiaries, business partners, advertisers and sponsors may choose to offer. Users may receive such communication when they opt to receive the same or have consented to the same during the registration process
a) Employees, Authorised Personnel and Affiliates
b) Government Institutions or Authorities
c) Other Parties
d) Merging/Acquiring Parties/Investing Parties
e) Third Party upon Sale
f) Third Party Sites
The Company has implemented security policies, rules and technical measures, as required under applicable law including firewalls, transport layer security and other physical and electronic security measures to protect the User Information that it has under its control from unauthorised access, improper use or disclosure, unauthorised modification and unlawful destruction or accidental loss. While the Company is committed to maintaining confidentiality of all User Information, it shall not be responsible for any breach of security or for any action of any third parties that receive a User’s User Information due to events that are beyond the reasonable control of the Company including, acts of government, computer hacking, unauthorised access to the Company’s computers and storage devices, computer crashes, breach of security and encryption, etc. All information collected from the Users by the Company via the Ninjacart Platform is maintained in electronic form on servers and/or cloud systems and shall be accessible by certain employees of the Company. The User Information collected by the Company is stored by Microsoft Azure located at Pune, India
Users may withdraw their consent for the collection, use and/or disclosure of User Information in the Company’s possession or control by submitting a request to cloud [email@example.com]. The Company will process your request within a reasonable time from when the request was made, and thereafter not collect, use and/or disclose said User’s User Information as per their request.
Depending on the extent of a User’s withdrawal of consent for us to process User Information, it may mean that said User will not be able to further use or access the Ninjacart Platform and avail Services.
Users can access their User Information at any time to review the same. Users can seek to rectify any inaccurate or deficient User Information, and the Company may rectify it if feasible.
If Users turn cookies off, some of the Ninjacart Platform’s features that make User experience more efficient may no longer function as intended.
Grievance Officer: Raghavendra Rao T S
Contact Details: 080-35018270 || firstname.lastname@example.org
Vaishnavi Signature Ninth Floor 78/9 Outer Ring Road, Bellandur Village, Varthur Hobli Bengaluru
Karnataka – 560103
These Credit Facility Terms are to be read with, and are subject to the Ninja App Terms. All capitalized terms used herein shall have the meaning ascribed to them under the Terms, unless otherwise expressly defined herein. If you choose to avail Credit Facilities from our partner Lenders, these Credit Facility Terms will apply to you.
The Ninja App
(i) allows Users who meet certain eligibility criteria to apply for and avail Credit Facilities from our partner Lenders,
(ii) facilitates User repayment of the Credit Facilities, and
(iii) allows Users to monitor their loan accounts for the Credit Facilities availed through the Platform from partner Lenders.
Ninjacart is not a Lender, and not does not lend or offer Credit Facilities. Ninjacart partners with Lenders in order to facilitate eligible User access to Credit Facilities. Ninjacart is not a party to any Credit Facility arrangement and all contractual arrangement for Credit Facilities are solely between the eligible User and the partner Lender.
(a) the term
Credit Facility or Credit Facilities as the context may require, refers to the line of credit facilities granted by partner Lenders to Users of the Platform who meet the eligibility criteria prescribed by the relevant partner Lender.
(b) the term
Lender or Lenders as the context may require, refers to banks, non-banking finance companies and other Reserve Bank of India authorized lending institutions that offer credit facilities to eligible Users via the Platform.
(c) the term
Loan Agreement refers to all documentation and agreements, such as the sanction letter, the Most Important Loan Terms etc. which eligible Users must execute in order to avail Credit Facilities from partner Lenders.
For the purposes of availing Credit Facilities from Ninjacartâ€žÂ¢s partner Lenders, you hereby represent and warrant that: 1. you understand and recognise Ninjacart as merely a technology service provider facilitating the interaction between eligible Users and partner Lenders.
2. you are (a) an Indian citizen, and (b) 18 years or above and are otherwise legally competent to enter into a binding agreement.
3. you will inform Ninjacart and/or partner Lenders of any change in your residential status. 4. all User Information provided by, and filled in by you are true, correct, and accurate, and that you have not withheld or suppressed any material User Information. 5. you will share any additional User Information required for the processing of Credit Facility applications.
In order for the User to be able to avail Credit Facilities, the User will need to meet certain eligibility criteria specified by the relevant partner Lender. The User must answer all questions raised on the Platform or otherwise by Ninjacart in relation to the Credit Facility in an honest manner.
Ninjacart may forward Credit Facility applications to partner Lenders based on the metrics shared by said partner Lenders. Ninjacart does not decide on the creditworthiness of any Credit Facility application made by a User. Our partner Lenders may assess the Credit Facility application and upon their sole discretion choose to not grant a Credit Facility to the User. The partner Lender shall have the right but not the obligation to provide the reason for its decision to the User. If the partner Lenders choose to grant eligible Users a Credit Facility, the User will be required to
(i) execute the Loan Agreements to the partner Lenders satisfaction, and .
(ii) to fulfil any other condition prescribed by the partner Lender such as granting the partner
Lender a NACH mandate or the Users providing guarantees to partner Lenders for the Credit Facility, as required.
Ninjacart may, pursuant to any agreements entered into between Ninjacart and its partner Lenders, assist its partner Lenders in relation to the Credit Facility provided to the eligible User, including for the collection or repayment of any fees, charges or other amounts owed to them by eligible Users in accordance with the Loan Agreement. The eligible User agrees and acknowledges that Ninjacart may be required to inter alia collect or recover any sums owed to the partner Lender by the eligible User, or undertake any other actions necessary for Ninjacart to fulfil its obligations to the partner Lender, pursuant to the Credit Facility provided to the eligible User. Any collection including in relation to default shall be in accordance with the Loan Agreement.
It is hereby clarified that the eligible Users shall be solely liable for all consequences associated with the eligible User’s breach of obligations in relation to the Credit Facility, including any inability to repay the borrowed amounts, and Ninjacart may undertake all such actions, including as set out under the Terms, in relation to recovering such amounts. Ninjacart also reserves the right to set off and adjust any monies that are payable to the eligible User by the Ninjacart, pursuant to the Terms, against any sums collected or recoverable, as applicable, from the eligible User in accordance with the Terms.
The User agrees that no authorisation letter or other documentation will be required by Ninjacart to exercise any rights under this Credit Facility Terms.
By clicking ‘I Accept’, you consent to, and authorize Ninjacart to process or share User Information collected from you with partner Lenders and relevant Third Parties for
(i) availing the Credit Facility,and
(ii) for purposes outlined under these Credit Facility Terms. You acknowledge that your provision of Aadhaar details is purely voluntary, and you may provide other identification documents such as any other two ID & address proof. You will not be denied any service by Ninjacart merely for the reason of not submitting Aadhaar details. You consent to, and authorise Ninjacart to act as your authorised representative in order to receive your credit information from authorised credit bureaus to provide services to you, including but not limited to the provision of support services associated with the Credit Facility. Ninjacart will not share your credit information with any Third Party. The User will also be required to provide additional consents and authorisations to partner Lenders under the Loan Agreement and agrees that any processing of User Information by partner Lenders will be pursuant to said consent.
In case of any complaints or grievances with regard to the Credit Facility availed from partner Lenders, you may reach out to your partner Lender for assistance as per details
given in their Borrower Agreement. You may also contact Ninjacart at email@example.com or on telephone 080-35018270