Part 1 : Application Terms and Conditions
1. Acceptance of Terms
By registering, subscribing, recharging, accessing, or using the Application,
the user agrees to be legally bound by these Terms and Conditions.
2. Authorized User
Subscription to the Application is personal, non-transferable, and limited solely
to the registered user whose details are on record with Poonia Associates Pvt Ltd.
The user shall not permit any third party, associate, employee, friend,
family member, or any other person to use the Application through their
login credentials, registered mobile device, or account.
3. Prohibited Acts
- Login credentials shall remain confidential.
- Sharing User ID, Password, OTP, Device Access, or Application Access is prohibited.
- Unauthorized access shall be deemed access by the registered user.
- Sharing device, credentials, or OTP with third parties.
- Using another registered agent's account.
- Using application data to harass, threaten, or harm borrowers.
- Sharing, selling, copying, or distributing borrower information.
- Reverse engineering, tampering, or hacking the application.
4. Device Registration
The Application may be restricted to a specific registered mobile device.
- Multiple devices detected.
- Unauthorized login activity detected.
- Credential sharing suspected.
5. Responsibility for Actions
The registered user shall remain fully responsible for all activities
performed through the Application. :contentReference[oaicite:1]{index=1}
6. Compliance with Law
- Applicable laws of India.
- RBI guidelines.
- Instructions issued by Banks and NBFCs.
- Instructions issued by Poonia Associates Pvt Ltd.
7. No Authority Beyond Authorization
Access to vehicle information does not grant any right to repossess,
threaten, stop, or seize a vehicle unless separately authorized. :contentReference[oaicite:2]{index=2}
8. Suspension and Termination
- Account sharing.
- Legal complaint or FIR.
- Violation of law or terms.
- Non-payment of dues.
- Defamation of company or lender.
9. Jurisdiction
All disputes shall be subject to the jurisdiction of courts at Hisar, Haryana.
10. Data Protection and DPDP Act 2023 Compliance
Poonia Associates Pvt Ltd complies with India's Digital Personal Data Protection Act, 2023. :contentReference[oaicite:3]{index=3}
10.1 User Obligations
- No sharing or downloading of borrower information.
- Data may only be used for authorized work.
- Devices must remain secure.
10.2 Data Breach Due To User Fault
- User shall be liable for penalties.
- Reporting costs may be recovered.
- DPDP penalties may be indemnified by the user.
10.3 Protection of Company
The Company reserves all legal remedies for data breaches caused by users.
11. Indemnification & Recovery
11.1 Minimum Indemnification
- Actual financial damages.
- Legal costs.
- Regulatory penalties.
- ₹1,00,000 minimum reputational damages.
11.2 Recovery Methods
- Recharge deduction.
- Civil proceedings.
- Criminal proceedings.
- Any lawful recovery mechanism.
12. Digital Acceptance & Electronic Evidence
- Timestamp.
- Registered Mobile Number.
- IMEI Number.
- IP Address.
- Application Version.
OTP confirmation shall be treated as a valid digital signature. :contentReference[oaicite:4]{index=4}
Part 2 : Repossession Compliance & RBI Guidelines
1. Recovery and Repossession Conduct Requirements
- No physical force or violence.
- No harassment or humiliation.
- No extortion or illegal collection.
- No criminal intimidation.
- Maintain dignity and professionalism.
2. Permitted Contact Hours
- Not before 7:00 AM
- Not after 8:00 PM
3. Requirements for Valid Repossession
- Valid authorization.
- Compliance with law.
- Compliance with lender instructions.
- No trespassing or property damage.
4. Borrower's Personal Property
- Prepare inventory list.
- Ensure safe custody.
- Follow lender instructions.
5. Mandatory Identification
- Carry valid ID proof.
- Truthfully disclose identity.
6. User Personal Liability
The user shall be personally liable for any assault, extortion, theft,
harassment, trespass, or violation of RBI guidelines.
Purpose & Scope of Service
This Application is solely a data access and information display platform. It provides only basic information such as the vehicle registration number, engine number, vehicle owner name, vehicle model, and chassis number.
The Application does not provide the vehicle owner’s loan account, outstanding installments, default status, or any financial information.
The Application shall not be considered a recovery, repossession, enforcement, or loan management platform.
Any decision regarding vehicle recovery or repossession shall be made independently by the concerned bank, NBFC, or authorized person based on their own records and legal rights.