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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/09/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/09/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 20/09/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/09/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 20/09/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :20/09/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :20/09/2021

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Updated: 11-06-2020 06:40:47 AM

Central Bank of India is one of the largest and oldest commercial bank of India. It is a government owned bank based in Mumbai, the financial capital city of India as well as the capital city of Maharashtra. The bank has currently 4715 branches and 5319 ATM’s across 29 Indian States and 6 out of 7 Union Territories. The Central Bank of India also has overseas offices at Hong Kong, Nairobi and is also at a joint venture with Bank of Baroda, Bank of India and the Zambian Government. Recently the bank has also opened a representative office at Nairobi in Kenya. Central Bank of India has been serving more than 3.5 crore satisfied customers.

Cent M Passbook

Central Bank of India is among one of the 20 nationalized banks of India to get recapitalization finance from the government. The bank offers different banking products and services to their customers. Some of the services are like Online Banking services, Cent Smart Pay, online Payment, Online Trading etc. Some of the other schemes and services include ,”Go Digital Go Cashless”, “Unified Payment Interface”, “Immediate Payment Services”, “Cent Vidyarthi”,”BHIM”,” Alternate Delivery Channels” and Cent M Passbook. Cent M Passbook is also an initiative by the Central bank to provide unique features to the customers so that they can do a hassle free banking. Let us discuss in little detail about this new application launched by the bank.

Introduction to Cent M Passbook
Features of Cent M Passbook
How to download & use Cent M Passbook?
Overall view of Cent M Passbook

Introduction to Cent M Passbook

Central Bank of India has come up with a new Mobile Banking Application for its users which is called Cent Mobile. Through this application a user can access almost all of the banking services from anywhere at any point of time through the internet enabled handsets. This app can be downloaded from the Google play store for Android devices and Apple App Store for iOS enabled devices.

Cent M Passbook mobile application was launched on 104th Foundation Day of the Central bank of India on December 21 2014 by Mr. Rajeev Rishi. This app was initially launched only for handsets which had operating systems like Android, Windows Mobile and Black Berry users. This app is quiet advantageous for the customers as they need not visit the branch to get their passbook updated. The complete account details would be made available to the customer on his or her mobile through this application. Another important feature of the Cent M Passbook is that it gives the convenience of Multilanguage M Passbook to their customers. This passbook gives an individual the option to display all the transactions linked to their CIF.

Features of Cent M Passbook

This app has various features which are user friendly and appealing to the consumers. Some of them have been discussed below:

  • The registration and activation process for this app is easy.
  • The customers can view the full transaction details on their handsets. They can check balances for all their accounts linked with the CIF.
  • The app gives you various options to view the transactions. The customer can filter out the records by transaction dates or search by transaction type, amount etc.
  • It is user friendly and fast in accessing the data.
  • One can rearrange the transaction entries either ascending or descending order depending upon their requirement.
  • The customer can personalize their passbook by creating their own personal ledger and can also add remarks or notes to the transactions in the passbook.
  • They can also share their transaction or account details through their mails or messages.
  • The customers have the option to change the number of transactions per page they want to view.

How to download & use Cent M Passbook?

The process flow of Cent M Passbook from downloading to installing to the end user using it is explained as follows:

  • The end user first needs to download the application “Cent M Passbook”, from the play store or app store.

google play button

app store button

  • After successful installation of the app on their mobile phones, the customer needs to click on the application.
  • The application “Cent M Passbook” will start running showing the bank’s building in the background.
  • Then the customer needs to select their preferred language.

Cent m Passbook Home

  • In order to start the registration process the customer needs to enter their user id i.e. CIF of the customer and their registered mobile number.

Cent m Passbook Registration

  • Then the authentication of the customer will take place by the application from CBS. Once the details are authenticated, a one-time password i.e. OTP which would be a six digit number will be sent to the customer’s registered mobile number.
  • After the customer has entered the OTP correctly, the application would ask the customer to generate the password of their choice. The user is required to generate the four digit numeric password of their choice. The password has to be generated by the end user himself or herself which will be their password for further uses.

Cent m Passbook MPIN

  • After successful generation of the password the customer needs to re-enter the password. The application would take minimum 2 to 3 minutes in order to sync for the first time.
  • If the customer forgets the password or loses it then he has an option for regenerating a new password of his choice by using “Forgot Pin”, option given on the home page.

  • Once the customer feeds in the mpin, all the information from the CBS would be given to the customer on their mobile phones.
  • The different features like account details, Personal Ledger, Passbook etc. are available on this app.

Cent m Passbook Details

  • The account details of the customer would show all the accounts linked to their CIF.
  • The passbook option shows the passbook of the different accounts as per the customer’s selection. The default settings which are there with the application can be changed by the user.
  • As this is a Multilanguage application, the end user has the option of selecting their preferred language.
  • The customer can mark their transactions in the passbook through Personal Ledger and even they can add their own transactions as well. The Personal Ledger is termed as a Transactional Manager.

Cent m Passbook

  • The customer can select the transaction which they want to be marked in the personal ledger. They can also add personalized remarks.

Cent m Passbook Ledger

  • Basically the Personal Ledger is a feature available to the customer wherein the user can make note of the transactions carried out for a particular purpose.

Cent m Passbook Personal Ledger

  • The customer can also share their various banking details like branch details, transaction details, etc. by various modes like email, Bluetooth. Searching transaction feature is also available on the app.

Cent m Passbook Share Details

  • This application also has an option for the customers to give their valuable feedback. They can also opt to receive alerts on offers and products available with the bank. The user can also give their feedback related to this app.
  • The customers can view the different new schemes or offers given by the bank on different products through this app.
  • There is an option for the customer to change their MPIN or password through this app by selecting m PIN button.

Cent m Passbook Change MPIN

  • This application is available for the customer in 11 languages and it is available for platforms like Android, Apple, Windows and Blackberry.
  • The bank is also providing a web based application for the customers who are having low end mobile phones. Customers can log in to the given URL for accessing: https://centralbankmpass.net.in/Reachweb/

Overall view of Cent M Passbook

Now once the customer has downloaded the app and got to know about its basic features and the functions of each key given in the app, let us give them an over view of the look of Cent M Passbook.

  • Once the customer clicks on the Central Bank of India M Passbook icon, the home page would appear which would give the customer the choice to select their preferred language.
  • Once they have chosen their preferred language and clicked the continue button, the app will take them to the next page wherein they need to enter their CIF ID and the registered mobile number. Then they have to select Proceed button in order to go to the next page.
  • The third page will have different icons like Account details, Passbook, Personal Ledger, Settings etc.
  • Suppose we select Account Details then the complete info about the particular account would appear. A complete branch details like branch address, IFSC code, MICR code etc. will appear on the screen.
  • The passbook will have different columns with info in each one of them. 1st column would be date column wherein the date of the transaction would appear. Then there would be particulars column wherein the details of the type of transaction would appear like by cheque or either by transfers etc.
  • Then the other two column would be withdrawal or deposit. These columns would show all the debits and credits made by an individual. The last column would give the remaining in the account after all successful transaction made by the customer.
  • There would be a page called “Add Notes”, wherein the customer can add remarks about their transactions. This can also be linked to the personal ledger.

Thus we have learnt about the features of M passbook app by Central Bank of India as well as learnt about the installation of the app on our handsets. This app is basically a passbook on our mobile launched by Central Bank of India. The customer needs to log in the app using their CIF and registered mobile number. Cent M Passbook is an amazing app overall having all the banking applications. Its features allows the customer to get access of their account very easily. Thus, a customer can view all sort of information in just a click. Thus through this app the bank has launched a new service and benefits for their customers.

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