Customer Consent Policy

Before a customer's device is enrolled with EMI Guard as part of an EMI sale, the retailer must obtain the customer's clear, informed and purpose-specific consent. This page explains what that consent covers. It supplements, and should be read with, the Device Management Consent page and the Privacy Policy.

What the customer is asked to consent to

  • Collection of the customer's name and mobile number.
  • Collection of the device's IMEI and other device identification.
  • Collection of a live photograph, where the retailer's process requires one.
  • Recording of the EMI schedule and payment information.
  • Automated SMS payment reminders.
  • Automated voice-call payment reminders.
  • Device management and restriction conditions - what happens if an installment falls overdue.
  • Storage and processing of the above information, as described in the Privacy Policy.

Consent must be clear, informed and specific to each of the above purposes - a single vague "I agree" at checkout is not a substitute for actually explaining these points to the customer in a language they understand.

Consent to reminders is not consent to device restriction

Agreeing to receive SMS, voice-call or in-app payment reminders is a separate consent from agreeing to the device management and restriction conditions. A customer's consent to be reminded about a payment is never treated as automatic consent to have their device locked - the safeguards on the Device Lock & Unlock Policy page apply regardless.

Withdrawing consent

A customer may withdraw consent to automated SMS or voice-call reminders at any time by contacting the retailer or using the grievance contact on the Contact & Legal Information page - reminders for that customer will then stop. Withdrawing consent to reminders does not cancel the underlying EMI sale, does not retroactively undo a device restriction that was validly applied before the withdrawal, and does not remove the retailer's or customer's own obligations under their installment sale agreement.

Complaints

A customer who believes their consent was not properly obtained, or who has a complaint about how their information is being used, can raise it through the Grievance Redressal Policy process.

Last updated: 12 November 2026.