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Final version wap 24012018
- 1. 1 Pls refer to the comment below replaced with on all pages
- 2. 2 Pls refer to the comment below Pls refer to the word file
- 3. Stage 1 > 2 Pls refer to the comment below and the word doc
- 4. 2
- 5. 2 Invalid mail Id Invalid phone no
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- 7. 2 Dear User, we are facing some technical issue. Please try after some time. Close Pls refer to the comment and change the text
- 8. 2 Dear Customer We regret to inform you that your loan application does not meet our criteria. You can re-apply with us after 90 days. Close
- 9. 2 Dear Customer Your loan application has been cancelled. You can re-apply with us anytime. Close
- 10. 2 Pls refer to the comment and change the text
- 11. 2 Pls refer to the comment and change the text
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- 13. 2 Pls refer to the comment and change the text
- 14. 2 Pls refer to the comment and change the text
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- 21. 2 Lorem ipsum is a placeholder text (filler text) in publishing and graphic design. It is used to demonstrate the graphics elements of a document, such as font, typography, and layout. The lorem ipsum text is usually a section of a Latin text by Cicero with words altered, added and removed to make it nonsensical.[1] Lorem ipsum text is used in mock-ups of visual design projects before the actual words are put into the finished product. This is often called greeking. The text is derived from Cicero's De finibus bonorum et malorum (On the Ends of Goods and Evils, sometimes the title is translated as [About] The Purposes of Good and Evil ).[2] The text was frequently used in desktop publishing templates. To experiment with the text, it can be copy-pasted into the desktop publishing software, and the typeface and its setting can be tried out. The distribution of letters in Lorem Ipsum is close to that in English language. This way, you can see what your own text would look like in that graphic format. Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. After clicking t&c
- 22. Aadhaar and pan Data verification Stage 2 > 2 Pls refer to the comment and change the text
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- 26. 2 Pls refer to the comment below and change the text
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- 29. 2 Front side of Aadhaar
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- 32. 2 Back side of Aadhaar
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- 34. 2 o the comment below change the text
- 35. 2 Pls refer to the comment below and change the text
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- 37. 2 Dear Customer Please update your Aadhaar information and then re-apply with us. Close
- 38. 2E
- 40. YODLEE 4 40 Pls refer to the comment below and change the text
- 41. YODLEE 5
- 42. YODLEE 5
- 43. Selfie- Click & Submit > 6 the comment and nge the text
- 44. Selfie- Click & Submit > 6 6
- 45. 7c Pls refer to the comment below and change the text
- 46. 7c Pls refer to the comment and change the text
- 47. 7c
- 48. E- mandate- Account details > 7A
- 49. 8 Survey >
Editor's Notes
- You can apply If you are an Indian citizen above 19 years of age If you have an updated Aadhaar ID and PAN If you have a bank account with internet banking facility Home Credit (instead of credit at the bottom)
- You can apply If you are an Indian citizen above 19 years of age If you have an updated Aadhaar ID and PAN If you have a bank account with internet banking facility
- Before Continue button: Click CONTINUE to allow Home Credit to contact you(Hyperlink to be placed on “Continue”) (The text “allow Home Credit to contact you” shall be hyperlink with following text.) “Yes, I consent to receive various loan offers, promotional schemes, status or reminders of dues in respect of any loan obtained from HCIN through phone calls, SMS, or e-mails (‘Contact Options’) from time to time. Such Contact Options shall not be covered under the purview of “Do Not Disturb” policy of the Telecom Regulatory Authority of India (TRAI). For this purpose, I grant permission to HCIN to contact me at any time between 0700 hours to 2100 hours from Monday to Sunday.”
- Your Email has been verified.
- The text “verify your Aadhaar” shall be hyperlink with following text. “I do hereby authorise HCIN to authenticate my Personal Identity Information (i.e. AADHAAR-based Personal Identity Data / Information including biometric & demographic information and one time password) through UIDAI either directly or through agencies authorized by UIDAI. I confirmed that I have been informed that my Personal Identity Information would only be used for the purpose of enabling HCIN to assess my eligibility for loan and that my biometrics will not be stored/ shared and will only be submitted to Central Identities Data Repository for authentication. Further I declare that no other account has been opened nor will be opened using OTP based KYC either with HCIN or with any other financial institution/ bank.”
- Legal Suggested Text: Please enter your PAN number
- Legal suggested text: Please enter your Aadhaar Number
- Legal suggested text: An OTP has been sent to your Aadhaar linked mobile number. Please enter the same for verification.
- Legal suggested change: To remove Home Credit logo from third party website Legal suggested text: Please provide your consent for your bank account verification consent for bank account” to be hyperlink with following text: “You are being re-directed to a third party website (Yodlee Inc.) for verification of your bank account for the purpose of underwriting the loan application submitted by you. The Loan Amount, if approved, shall be disbursed in your verified bank account only. Further you hereby understand & agree that: You have provided the same bank account wherein you intend to receive loan amount. The bank account should be at least 6 months old. The name appearing in such bank account should be the same as mentioned in UIDAI (AADHAAR) and loan application form. To evaluate your eligibility for the loan applied with us, we may use, store and analyse information of complete name of customer, customer’s bank name, IFSC Code and credit/ debit transactions’ information for last 6 months as obtained from your bank account through this service. The provisions of availing this service shall also be governed by the terms and conditions of the service provider (Yodlee). HCIN assures that HCIN never stores any password of your bank account. All reasonable care has been taken towards guarding against unauthorized use of any information transmitted by you, however, you understand that your details relating to debit card/ net banking transmitted over the internet is susceptible to misuse and that HCIN or the service provider has no control over these matters. Therefore, HCIN or the concerned service provider does not guarantee that the use of account verification service will not result in any unauthorized use of data over the internet. HCIN/ the service provider expressly disclaims any claim or liability arising out of the provision of service of account verification. You agree and acknowledge that you shall be solely responsible for your conduct and that HCIN reserves the right to terminate your rights to use this service immediately. You shall indemnify and hold harmless HCIN, service provider its agents and their respective officers from any such claim or demand, or actions. Please click CONTINUE button if you agree and proceed further.”
- UNHAPPY SCENARIO
- 6 Please position your face in the camera frame
- 6 Remove the top line
- Legal changes: Change Continue button to “Submit” button Instead of ‘Declaration’ please mentioned “Please click checkbox to submit the Declaration”. “Declaration” word to be hyperlinked with following text: “I hereby apply for loan with aforesaid details from M/s Home Credit India Finance Private Limited, (“HCIN”). For this purpose, I hereby undertake and confirm that: I am an Indian citizen residing in India and attained 19 years of age. I am competent to undertake all the obligations arising under this loan. I have no insolvency proceedings against me nor have I ever been adjudicated insolvent, there is no suit for recovery of outstanding dues or monies whatsoever and/or criminal proceedings have been initiated and/or pending against me. I have never defaulted in repayment of debt and that I have adequate capacity towards repayment of the loan applied for. I confirm that all the particulars and information given by me are true, correct and complete and no information has been withheld/ suppressed. I confirm that HCIN shall be entitled to reject my application without assigning any reason. The details in Application Form, photograph and all other documents submitted by me to HCIN may be retained by HCIN and may be stored in data centers of HCIN till such time as required by HCIN. I will not use Loan amount for any gambling, lottery, races, or for any purpose prohibited by RBI/ other regulatory body from time to time. I have read and understood the Privacy Policy, Policy on Website Use as well as ‘General Terms and Conditions for obtaining Personal Loan and POS Loan from Home Credit India Finance Private Limited' (GTC) for availing loan from HCIN. Further, I understand and confirm that all the aforesaid details provided by me shall be used by HCIN for the purposes, and subject to the conditions, described in aforesaid Privacy Policy, Policy on Website Use as well as GTC for availing loan from HCIN.”
- Legal changes: Please proceed to sign your Loan Documents
- Replace “Documents to verify” with “Loan Documents”. Before the documents, please add this text- Congratulations! Your loan is approved. Please review the documents below. After the documents, please add- By clicking on the check box, you confirm that you have understood the terms and conditions of the loan as mentioned in aforesaid documents and has agreed to abide by same.
- Legal changes: 1. E- Mandate word to be replaced with Loan Repayment Instruction. 2. Add to the bottom (above resend OTP) Please verify if the details above belong to your bank account. Your Monthly Instalment will be deducted from this account. This mandate shall be e-signed via OTP generated through your Aadhaar. 3. For the Bank Accounts with masked details following text to be added. “Please verify if the details above belong to your bank account. Edit the details if required. Your Monthly Instalment will be deducted from this account. This mandate shall be e-signed via OTP generated through your Aadhaar.”
- Language option before Submit