GrowthX Business Technology Solutions Private Limited, CIN U70200KA2023PTC172266, operates MyInstaCash, a web-based Digital Lending Application ("DLA") available at https://myinstacash.com/. GrowthX acts as a Lending Service Provider ("LSP") for Orrish Finance Private Limited, CIN U65100CT2019PTC009508, an RBI-registered Non-Banking Financial Company and the Regulated Entity ("RE") / Lender.
These Terms and Conditions ("Terms") govern your access to and use of MyInstaCash and the services facilitated through the Platform. By accessing the Platform, submitting a loan application, clicking "I Agree", accepting a loan offer or otherwise using the services, you acknowledge that you have read, understood and agreed to these Terms, the Privacy Policy and other documents accepted by you during the loan journey. If you do not agree, you should not proceed with the Platform or the relevant service.
PART A - GENERAL TERMS AND CONDITIONS
1 INTRODUCTION
MyInstaCash provides a technology-enabled digital interface through which eligible customers may apply for loan products offered by Orrish Finance. GrowthX may facilitate customer acquisition, digital onboarding, collection and transmission of application information and documents, KYC assistance, verification support, underwriting support, customer communication, servicing assistance and other activities permitted under the arrangement between GrowthX and Orrish Finance.
GrowthX/MyInstaCash does not independently provide loans or credit facilities. All loans are offered, sanctioned and disbursed solely by Orrish Finance in its capacity as the Regulated Entity.
2 ELIGIBILITY
To use MyInstaCash and apply for a loan product facilitated through the Platform, you must be an individual resident of India, be at least 21 years of age, be legally competent to enter into a binding contract under applicable Indian law, and satisfy the KYC, income, credit, repayment-capacity and other eligibility requirements prescribed by Orrish Finance.
You must use MyInstaCash only in your own lawful capacity unless expressly authorized to act for another person under applicable law. You represent that all information, declarations and documents submitted by you are true, complete, accurate and current. Submission of an application does not create a right to receive a loan.
3 ACCEPTANCE OF TERMS
These Terms shall be read together with the MyInstaCash Privacy Policy, applicable consents and declarations, the Key Facts Statement ("KFS"), sanction terms, loan agreement and any other document executed or accepted by you in relation to a loan. Where there is any inconsistency between these general Terms and the specific financial terms contained in the KFS or loan agreement issued by Orrish Finance, the KFS and applicable loan agreement shall govern the lending relationship to the extent of such inconsistency.
4 YOUR ACCOUNT AND INFORMATION
MyInstaCash may require authentication through your registered mobile number, OTP, email address or another permitted mechanism. You are responsible for safeguarding your account credentials and authentication information and must notify us promptly if you suspect unauthorized access, identity theft or misuse.
You must ensure that information provided during registration, KYC and loan application remains accurate and updated. GrowthX may restrict or suspend access where information is reasonably suspected to be false, misleading, forged or fraudulent, subject to applicable law.
5 PRIVACY AND PERSONAL DATA
Collection, processing, storage, use, sharing, retention and deletion of Personal Data through MyInstaCash shall be governed by the MyInstaCash Privacy Policy and applicable law. Because MyInstaCash presently operates as a web-based DLA, it does not seek unrestricted access to your personal SMS messages, contacts, call logs, installed applications or unrelated files on your device.
6 LICENSE AND ACCESS TO THE PLATFORM
Subject to compliance with these Terms, GrowthX grants you a limited, personal, revocable, non-exclusive and non-transferable right to access and use MyInstaCash for lawful purposes connected with services made available through the Platform. All rights in the website, software, design, text, graphics, trademarks, logos and proprietary content remain with GrowthX or the relevant licensors.
You shall not copy, reproduce, commercially exploit, reverse engineer, decompile, interfere with security systems, introduce malware, use unauthorized scraping or crawling tools, gain unauthorized system access or use MyInstaCash for an unlawful or fraudulent purpose.
7 MONITORING AND SECURITY OF THE PLATFORM
GrowthX may maintain and review reasonable technical, transactional, application and security records relating to use of the Platform for lawful purposes including fraud prevention, cybersecurity, verification, regulatory compliance, troubleshooting and enforcement of these Terms. Such monitoring shall be need-based and proportionate and carried out in accordance with the Privacy Policy and applicable law.
8 SERVICE SUSPENSION OR TERMINATION
GrowthX may suspend, restrict or terminate access to MyInstaCash where you materially breach these Terms, provide false or fraudulent information, engage in suspicious or unauthorized activity, create a security risk, withdraw information or consent essential for a pending service, or where such action is required by a court, regulator, government authority or applicable law.
Suspension or termination of Platform access does not cancel a loan already sanctioned and accepted. You remain responsible for repayment and other obligations arising under your KFS and loan agreement with Orrish Finance.
9 PROHIBITED USES
You shall not use MyInstaCash for fraudulent, unlawful, deceptive or unauthorized activity, including impersonating another person, submitting forged or manipulated documents, providing materially false information, attempting unauthorized access, interfering with Platform operations, introducing malicious software, scraping user information or infringing third-party rights.
10 THIRD-PARTY SERVICES AND LINKS
MyInstaCash may integrate with or provide links to Orrish Finance, KYC providers, banks, Account Aggregators, Credit Information Companies, payment or e-sign providers, verification providers or other authorized third parties. Such independent services may be governed by their own terms and privacy policies.
11 USER FEEDBACK AND SUBMISSIONS
Where you voluntarily provide suggestions, feedback or comments relating to MyInstaCash, GrowthX may use such feedback to improve the Platform or customer experience without an obligation to compensate you, unless otherwise expressly agreed. Personal Data contained in feedback or correspondence will continue to be processed in accordance with the Privacy Policy.
12 LIMITATION OF ROLE AND LIABILITY
GrowthX acts as an LSP and operates MyInstaCash as a DLA. GrowthX is not the lender and does not independently determine final approval, rejection, loan amount, interest rate, APR, tenure or other final credit terms. GrowthX does not guarantee that any application will be approved or that any particular loan amount, rate, tenure or disbursement timeline will be offered.
The specific lending relationship is between you and Orrish Finance and is governed by the applicable KFS, sanction terms and loan agreement. Nothing in these Terms excludes, restricts or waives any statutory right, borrower protection or liability that cannot lawfully be excluded under Indian law or RBI requirements.
13 INDEMNITY
To the extent permitted by applicable law, you agree to indemnify GrowthX, its officers, employees and authorized representatives against direct losses, claims or reasonable expenses arising from your fraudulent or unlawful use of MyInstaCash, deliberate violation of these Terms, submission of forged documents, infringement of third-party rights or misuse of another person's identity or information. This clause does not require indemnification for GrowthX's own fraud, wilful misconduct or breach of applicable law.
14 ACKNOWLEDGEMENTS
By using MyInstaCash, you acknowledge that GrowthX is an LSP, MyInstaCash is a web-based DLA, and Orrish Finance is the Regulated Entity and Lender. Submission of an application does not guarantee approval or disbursement. The final decision regarding credit eligibility, sanctioned amount, interest rate, APR, tenure and other lending terms lies with Orrish Finance. You are responsible for reading the applicable KFS, sanction terms and loan agreement before accepting a loan.
15 APPLICABLE LAW AND JURISDICTION
These Terms shall be governed by the laws of India. Subject to mandatory statutory remedies, consumer-protection rights, applicable RBI grievance-redressal mechanisms and the terms of the applicable loan agreement, disputes relating specifically to the operation or use of MyInstaCash/GrowthX shall be subject to the jurisdiction of competent courts at Gautam Budh Nagar, Uttar Pradesh.
16 GRIEVANCE REDRESSAL
Customers may raise complaints relating to MyInstaCash, customer support, digital lending facilitation or Personal Data through support@myinstacash.com or +91 79803 98535. Where a complaint is not satisfactorily addressed, it may be escalated to the Grievance Redressal Officer, Mr. Binod Seth, at grievance@myinstacash.com or +91 9230931008. Loan-specific complaints may also be raised with Orrish Finance at grievance.redressal@orrishfinance.com, support@orrishfinance.com or +91 7880002242.
PART B - DIGITAL LENDING SERVICES
17 ROLE OF MYINSTACASH AND THE LENDER
MyInstaCash facilitates access to digital loan products offered by Orrish Finance Private Limited. GrowthX does not offer or fund loans from its own balance sheet and does not act as a co-lender merely by operating MyInstaCash. Orrish Finance remains responsible for credit decisions, loan sanction, pricing, disbursement, loan account maintenance, repayments and lender-side regulatory responsibilities.
18 APPLICATION, KYC AND CREDIT ASSESSMENT
To apply for a loan, you may be required to provide identity, KYC, employment, income, financial, banking and other information necessary for processing your application. Subject to applicable consent requirements, information may be verified through lawful and authorized sources, including Credit Information Companies. The final sanction or rejection decision remains with Orrish Finance.
19 KEY FACTS STATEMENT, APR AND LOAN TERMS
Before execution of an applicable digital loan, Orrish Finance shall provide the required KFS containing material information concerning the loan, including the sanctioned amount, tenure, interest rate, APR, repayment schedule, processing charges, penal charges, recovery mechanism, cooling-off/look-up period and other applicable charges and material conditions. You should carefully review the KFS and loan documents before acceptance.
20 DISBURSEMENT AND REPAYMENT
Where a loan is sanctioned and accepted, disbursement shall be made by Orrish Finance Private Limited in accordance with the applicable loan agreement and regulatory requirements. Except where specifically permitted under applicable law, disbursement shall be made directly into the borrower's bank account.
GrowthX/MyInstaCash does not directly receive or hold borrower loan repayments, EMIs, interest or other lender-related amounts and does not operate a pass-through or pool account for borrower funds. Loan repayments and other amounts due under the loan agreement shall be paid directly to Orrish Finance Private Limited through its authorized repayment channels.
21 REPAYMENT, DEFAULT AND RECOVERY
After accepting a loan, you must repay it in accordance with the schedule and conditions specified in the KFS and loan agreement. Delay or default may result in consequences permitted under the loan agreement and applicable law, including applicable penal charges, reporting to Credit Information Companies and lawful collection or recovery measures. Recovery activities must comply with applicable RBI requirements and law.
22 COOLING-OFF / LOOK-UP PERIOD
For applicable digital loans facilitated through MyInstaCash, the borrower shall be provided a cooling-off / look-up period of 90 days, subject to the terms specified by Orrish Finance in the applicable KFS and loan documentation. During this period, the borrower may exercise the exit option in accordance with the KFS, applicable RBI requirements and the policy of Orrish Finance. Any principal, proportionate APR, processing fee or other amount payable upon exercise of the option shall be governed by the KFS, loan agreement and applicable law.
23 COMMUNICATIONS AND DOCUMENTS
You authorize GrowthX/MyInstaCash, Orrish Finance and their authorized service providers to send service-related communications through your registered mobile number, SMS, WhatsApp, email or other permitted channels. Communications may include OTPs, application updates, KYC requirements, sanction information, loan documents, repayment reminders, account-related information, security alerts and grievance communications.
24 AMENDMENTS TO THESE TERMS
GrowthX may revise these Terms periodically to reflect changes in law, RBI directions, business practices, Platform functionality, technology or its arrangement with Orrish Finance. Updated Terms shall be published on MyInstaCash with the revised "Last Updated" date. Changes to these general Terms shall not retrospectively alter financial terms of an existing loan except where permitted under the applicable loan agreement and law.
25 CONTACT US
MyInstaCash / GrowthX
Partner Lender / Regulated Entity
By accessing or using MyInstaCash, you acknowledge that you have read and understood these Terms and Conditions and the MyInstaCash Privacy Policy.
