About BharatApp Easy Loan

BharatApp is a technology-driven loan aggregation platform that connects potential borrowers with authorized lending institutions in India. We simplify the loan application process by providing a single platform to access multiple loan products.

EasyLoan – Policy & Compliance Statement

Last Updated: November 9, 2025

At BharatApp, we are committed to providing our users with financial awareness and digital loan facilitation services. The EasyLoan section is designed to connect users with authorized NBFCs (Non-Banking Financial Companies) and RBI-licensed lending partners. We do not directly offer, approve, or disburse any type of personal loan ourselves.

1. Declaration of Loan Services

2. Our Lending Partner – OZONEVEDA Bank Bazar

3. Loan Terms & Transparency

4. Financial Services Policy Compliance

BharatApp and OZONEVEDA Bank Bazar both fully comply with Google Play's Financial Services Policy:

• All loan details (interest rate, tenure, and processing fees) are displayed clearly
• There are no hidden or misleading charges
• Only long-term, transparent, and RBI-compliant loans are listed in the app
• Full disclosure of all terms and conditions before loan acceptance

5. Personal Loan Declaration Compliance

In accordance with Google Play's Personal Loan Policy:

• BharatApp does not provide any personal loans directly
• All loan-related services are facilitated through OZONEVEDA Bank Bazar
• The lending partner's license, address, and registration details are publicly accessible
• Complete transparency in lending partner information and credentials

6. Responsible Lending & Fair Practices

7. User Data Privacy & Security

All user information provided in the loan form — including name, PAN, Aadhaar, contact details, and income data — is securely encrypted and shared only with OZONEVEDA Bank Bazar for loan processing.

We do not:

• Share user data with any unauthorized third parties
• Sell data for commercial purposes
• Use data for purposes other than loan verification and communication

User data is used solely for loan verification and communication. We follow the Information Technology Act (2000) and the Digital Personal Data Protection Act (2023) for data protection and privacy compliance.

8. Grievance Redressal

9. Policy Updates

This policy may be updated periodically to remain compliant with new RBI and Google requirements. The latest version will always be available on both our website and app. Users will be notified of significant changes via email or in-app notifications.

10. Compliance Note

Authorized Lending Partner & License Information

User Information Declaration

By using BharatApp Easy Loan services, you represent and warrant that:

• All information you provide is true, accurate, current, and complete to the best of your knowledge and belief
• You have made reasonable efforts to verify the accuracy of the information
• You understand that false or misleading information may result in application rejection and potential legal action
• You will promptly update any information that becomes incorrect or outdated
• You accept full responsibility for the truthfulness of your submissions

Important Documents & Policies

Please review the following important documents before using our services:

Privacy Policy

Effective Date: October 2025

Last Updated: 26 August 2025

This Privacy Policy explains how Learn Now Academy ("we," "us," or "our") handles information from and about you when you use our application, Bharat App.

Information We Collect

We collect various categories of information to facilitate loan applications, provide social media features, and improve our services:

1. Personal Information:

• Profile name, username, phone number, email address
• Date of birth, residential address
• Government IDs (PAN, Aadhaar, etc.)
• Profile picture (optional)
• Bio and other profile details you choose to share
• Contacts (optional, with permission)

2. Financial Information:

• Employment details and income information
• Bank account details
• Credit score and credit history
• Existing loans and liabilities
• Salary slips, ITR documents

3. User-Generated Content:

• Posts, comments, and messages you create or share
• Photos, videos, and other media content
• Interactions such as likes, shares, and follows
• Any other content you create within the app

4. Usage Data:

• Device type, model, and operating system
• IP address and network information
• App usage patterns and analytics
• Activity logs including time spent on features
• Location data (with permission)

5. Contacts and Connections:

• If you grant access, we may use your contacts to help you find friends on the app
• This data is processed securely and not stored permanently
• Connection and friendship data within the app

6. Tracking & Cookies:

• Cookies for enhanced user experience
• Analytics tools for app performance monitoring
• Session tracking for security purposes

How We Use Your Information

• Loan Processing: Transmit applications to OZONEVEDA Bank Bazar and conduct KYC verification
• To Provide the Service: Enable you to create an account, connect with friends, and share content
• To Personalize Your Experience: Suggest connections, content, and features relevant to your interests
• Communication: Send updates, notifications, and customer support responses
• Platform Improvement: Analyze usage and optimize functionality
• To Improve Safety: Detect and prevent misuse, spam, or harmful content
• Legal Compliance: Comply with RBI guidelines, KYC norms, and AML/CFT regulations
• Fraud Prevention: Detect and prevent fraudulent activities

Information Sharing

We share your information with:

• OZONEVEDA Bank Bazar: Complete loan application data for processing and credit assessment
• Credit Bureaus: CIBIL, Experian, Equifax, CRIF High Mark for credit evaluation
• Third-Party Service Providers: Analytics, crash reporting, cloud hosting, KYC verification, SMS/OTP services (on need-to-know basis)
• Legal Authorities: When required by law or regulatory compliance

We do NOT sell, rent, or trade your personal information to third parties.

Data Security

• 256-bit SSL/TLS encryption for data transmission
• Encrypted storage on secure cloud servers
• Role-based access control with multi-factor authentication
• Regular security audits and penetration testing
• Compliance with ISO 27001 standards
• Reasonable measures to protect your personal data

Important: No system is 100% secure, and we cannot guarantee absolute protection. However, we take all reasonable measures to safeguard your data.

Eligibility & Age Requirement

Your Rights and Choices

• Access: Request access to your personal information
• Account Control: You can edit or delete your account at any time
• Correction: Update or correct inaccurate data
• Data Access Request: You may request a copy of the personal data we hold about you
• Deletion: Request deletion (subject to legal retention requirements)
• Opt-out: Unsubscribe from marketing communications
• Data Portability: Request your data in machine-readable format
• Parental Concerns: Parents or guardians who believe their child under 13 has created an account may contact us for immediate removal

Aadhaar Data Protection

• Collected only with explicit consent
• Used solely for KYC verification
• Only masked Aadhaar stored (last 4 digits visible)
• Compliant with UIDAI regulations and Aadhaar Act, 2016
• Aadhaar authentication is voluntary

Data Retention

• Active users: As long as account is active
• Application data: 7 years (as per RBI guidelines)
• Financial records: 10 years (as per Income Tax Act)
• KYC documents: 5-10 years (as per PMLA requirements)
• User-generated content: Until you delete your account or request removal

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal and regulatory reasons. Significant changes will be notified within the app, via email, or through other communication methods.

Continued use of the app after updates means you accept the revised policy. We encourage you to review this Privacy Policy periodically.

Contact Information for Privacy Concerns

If you have questions about this Privacy Policy or how we handle your data, please contact us at:

• Email: praispranav@gmail.com or privacy@learnowacademy.com
• Website: www.learnnowacademy.co.in
• Phone: +91-8588969628

Terms of Service

Last Updated: August 2025

User Agreement

This is an agreement between you and Learn Now Academy ("BharatApp") governing your use of our loan aggregation platform and social media features.

Acceptance of Terms

By accessing or using the Application, you acknowledge that you have read, understood, and agree to be bound by these Terms. You must be of legal age (18+ years for loan services, 13+ years for social features) to enter into a binding agreement.

User Registration

• Register using your current mobile phone number
• Provide true, accurate, current, and complete information
• Maintain and update information promptly
• Consent to receive SMS/calls for verification (OTP)
• Create a secure password and protect your account credentials

Restrictions on Use

You agree NOT to:

• Make the Application available to third parties without authorization
• Use the Application for illegal, fraudulent, or harmful purposes
• Submit false, misleading, or inaccurate information
• Reverse engineer, decompile, or modify the Application
• Impersonate any person or entity
• Use for spam, bulk messaging, or unauthorized marketing
• Post or share harmful, offensive, or inappropriate content
• Harass, bully, or threaten other users
• Violate any applicable laws or regulations
• Infringe on intellectual property rights of others

Third-Party Services

The Application connects you with OZONEVEDA Bank Bazar and other third-party services. We are not responsible for their terms, policies, or services. Your use of third-party services is at your own risk.

Content & Responsibility

• You are solely responsible for all information and content you submit
• You warrant that you have rights to upload such content
• You grant us license to use, transmit, display, and process your content for service delivery and platform operations
• You retain ownership of your content
• We reserve the right to remove content that violates these Terms or community guidelines

Account Security

• Maintain confidentiality of your account credentials
• Responsible for all activities under your account
• Notify us immediately of unauthorized access at: legal@learnowacademy.com
• Do not share your account with others

Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages
• Total liability shall not exceed INR 5,000
• Application provided "AS IS" and "AS AVAILABLE"
• No warranties of merchantability, fitness, or uninterrupted service
• Not responsible for user-generated content or interactions between users

Suspension & Termination

We may suspend or terminate your account for:

• Violation of these Terms or community guidelines
• Legal or regulatory requests
• User-initiated account deletion request
• Suspected fraud or illegal activity
• Posting inappropriate or harmful content
• Harassment or abuse of other users
• Discontinuation of service

Updates to Terms

We may modify these Terms at any time. Changes will be communicated via email or in-app notification. Continued use after changes constitutes acceptance.

Lending Partner Information & Authorization

OZONEVEDA Bank Bazar - Lending Partner Overview

Regulatory Compliance Framework

OZONEVEDA Bank Bazar operates in compliance with:

• Reserve Bank of India (RBI) Guidelines including Master Directions and Circulars
• RBI Master Direction on Digital Lending (September 2, 2022)
• RBI KYC Directions, 2016 for customer identification and verification
• Prevention of Money Laundering Act (PMLA), 2002 and related rules
• Credit Information Companies (Regulation) Act, 2005
• Fair Practices Code for lending institutions
• Consumer Protection Act, 2019
• NBFC Regulations and compliance standards

BharatApp's Authorization to Work with OZONEVEDA Bank Bazar

Loan Products Available

Through our partnership with OZONEVEDA Bank Bazar, borrowers can apply for:

• Personal Loans: For various personal financial needs
• Business Loans: For business expansion and working capital
• Education Loans: For higher education and skill development
• Home Loans: For property purchase and construction
• Vehicle Loans: For two-wheeler and four-wheeler purchase
• Other Credit Products: As offered by OZONEVEDA Bank Bazar

Note: All loan terms, interest rates, processing fees, eligibility criteria, and repayment schedules are determined solely by OZONEVEDA Bank Bazar and may vary based on individual credit assessment.

Contact & Support

Regulatory Compliance

BharatApp (Learn Now Academy) operates in full compliance with:

• Information Technology Act, 2000 and IT (Reasonable Security Practices) Rules, 2011
• Digital Personal Data Protection Act, 2023 (when enforced)
• Reserve Bank of India Guidelines including Master Direction on Digital Lending
• Prevention of Money Laundering Act (PMLA), 2002
• Aadhaar Act, 2016 and UIDAI regulations
• Consumer Protection Act, 2019
• Credit Information Companies (Regulation) Act, 2005
• Indian Contract Act, 1872
• Google Play Financial Services Policy
• Google Play Personal Loan Policy

Industry Standards & Certifications

• ISO 27001:2013 Information Security Management System (in progress)
• Adherence to Digital Lenders Association of India (DLAI) guidelines
• PCI-DSS compliance for payment data handling
• CERT-In cybersecurity guidelines compliance

User Consent & Acknowledgment

Important Disclaimers

Platform Role Disclaimer

BharatApp acts solely as a technology platform connecting borrowers with lenders. We do not:

• Provide loans directly to customers
• Make lending decisions or determine loan eligibility
• Set interest rates, loan terms, or repayment schedules
• Guarantee loan approvals or specific loan amounts
• Act as a lender, co-lender, or lending service provider
• Approve, transfer, or disburse any loan funds

No Guarantee Disclaimer

We make no guarantees or representations regarding:

• Approval of your loan application
• Specific loan amounts, interest rates, or terms
• Timeline for loan processing or disbursement
• Availability of specific loan products at any given time

Accuracy of Information

While we strive to provide accurate information about loan products and our lending partner, all information is subject to change. Users should verify all details directly with OZONEVEDA Bank Bazar before making any financial decisions.

Third-Party Responsibility

OZONEVEDA Bank Bazar, as an independent lending entity, is solely responsible for:

• All loan-related decisions and communications
• Compliance with lending regulations and fair practices
• Customer service for sanctioned and disbursed loans
• Loan recovery and collection processes
• Resolving loan-related disputes and grievances

User Content Disclaimer

We are not responsible for user-generated content posted on our platform. Views expressed by users are their own and do not reflect our views. We reserve the right to remove content that violates our policies.

Anti-Predatory Lending Statement

BharatApp and OZONEVEDA Bank Bazar are committed to responsible lending practices:

• We do not promote or facilitate predatory loans
• Minimum loan tenure is 60 days (as per RBI guidelines)
• All loan terms are transparent and clearly disclosed
• APR ranges from 6% to 36% (as determined by OZONEVEDA Bank Bazar)
• No hidden fees or misleading charges