Thank you for choosing Mirror Cash, your trusted instant loan application operated by Udvai Traders Private Limited. We are committed to providing safe, reliable, and transparent financial services while ensuring your personal information is managed securely and responsibly.
Mirror Cash is owned and operated by Udvai Traders Private Limited, a registered Non-Banking Financial Company (NBFC) licensed and regulated by the Reserve Bank of India (RBI). As an RBI-authorized NBFC, we adhere to strict compliance guidelines to ensure that all loan services provided through the Mirror Cash platform meet the highest standards of legality and accountability.
Company Name: Udvai Traders Private Limited
CIN: U51909MH1996PTC329226
Registered Address: KH. NO. 191, 196 CHIMNAZARI, CHANDRAPUR ROAD , TAL NAGPUR (RURAL) CHIMNAZARI NAGPUR MH 441108 , Nagpur, Maharashtra, India - 441108
As the official loan provider, Udvai Traders Private Limited exclusively authorizes the Mirror Cash platform/app to facilitate loan applications, processing, and disbursement directly under its supervision. The platform serves as a secure and efficient digital channel for delivering our financial services.
By using Mirror Cash, you acknowledge and agree to these Terms of Service, which define the relationship between you, the platform, and Udvai Traders Private Limited as the sole loan provider.
We are committed to maintaining transparency and accountability in all operations. For any inquiries or assistance, please contact us at our registered address. Thank you for trusting Mirror Cash for your financial needs.
To register, you must be at least 18 years old and an Indian citizen or resident legally permitted to use financial services. All personal and financial information provided during registration must be truthful and accurate. Users with previously terminated accounts or banned access may not reapply without explicit permission.
Loan Amount: ₹3000 - ₹80000
Daily Interest Rate: 0.06%
Term: 90days
Maximum Annual Percentage Rate (APR): 21.9%
Service Fee: 0-5%(including GST18%)
Loan Amount: ₹10000 Service Fee: 0%；
Interest= ₹10000*0.06%/day*90=₹540
Service Fee=₹10000*0%=₹0
Received Money= ₹10000-₹0(Service Fee)=₹10000
Repayment Moneyt: ₹10000+₹540(Interest)=₹10540
There are no late interest charges, but a 1% fee per day will be applied if your payment is late. The total interest will be detailed in the loan agreement. There are no fees for early repayment, and no charges if your loan is not approved. The loan is repaid in a single installment, and no collateral or guarantee is required.
At Udvai Traders Private Limited, we take your privacy and the protection of your personal data very seriously. We are committed to ensuring that any personal and financial information you provide through the Mirror Cash app is securely handled and protected.
We collect personal information necessary for providing our services, which may include identity verification details (such as PAN and Aadhaar), contact information, bank details, and creditworthiness information.
We may also collect technical data such as device information, app usage patterns, and IP addresses for security purposes and to improve the service.
This data is used solely for the purpose of processing loan applications, conducting credit assessments, managing user accounts, and complying with legal obligations.
Your personal data is stored in secure, encrypted systems. We implement robust technical and organizational measures to protect data from unauthorized access, loss, alteration, or misuse.
Access to personal data is restricted to authorized personnel who need it to perform their job functions.
Any third-party partners we work with, such as payment processors or credit evaluation agencies, are bound by contractual agreements to ensure that your data is also protected and used in accordance with applicable laws.
We may share your data with third-party service providers who help us process loan applications, payments, or conduct credit checks. However, your data will only be shared to the extent necessary for these services, and all third parties are required to adhere to strict data protection standards.
We do not sell, rent, or otherwise share your personal information for commercial purposes.
You have the right to access, correct, or update your personal data at any time. Additionally, you may request that we delete or anonymize your data, subject to legal or contractual retention requirements. To exercise these rights, please contact our customer support team or refer to our Privacy Policy for further details. We will make reasonable efforts to comply with such requests unless there are legitimate reasons to retain certain information, such as outstanding financial obligations or regulatory requirements.
By using Mirror Cash, you consent to the collection, use, and sharing of your personal data as described above. For a detailed explanation of how we handle your data, please refer to our Privacy Policy, accessible within the app and on our website.
(1)Confidentiality of Login Credentials
It is your responsibility to maintain the confidentiality of your login credentials, including your username, password, and any other authentication details associated with your account.
Do not share your login credentials with anyone, and make sure to log out of your account after each session, especially when using shared or public devices.
(2)Suspicious Activity and Unauthorized Access
If you suspect that your account has been compromised, or if you notice any unauthorized activity (such as unusual transactions or changes to your account details), please notify us immediately through our customer support channels.
We will take appropriate action, including temporarily suspending your account if necessary, to investigate and protect your information.
It is important to report any security incidents promptly to minimize potential risks to your account.
You agree to use your Mirror Cash account solely for lawful, personal purposes. The app is designed for individual use, and sharing your account with others is prohibited.
You are responsible for any activities carried out through your account, whether authorized or not, so it is essential to keep your account secure.
While we implement a variety of security measures to safeguard your data, Udvai Traders Private Limited is not liable for any loss, damage, or unauthorized access that occurs as a result of your failure to maintain the security of your account.
If you fail to secure your account, you may be held responsible for any unauthorized transactions or activities performed through your account.
To help protect your account further, we recommend using strong, unique passwords, enabling two-factor authentication if available, and being cautious of phishing attempts or suspicious emails requesting your account details.
Violation of Terms: If users breach any provision of these Terms of Service, their access may be revoked immediately.
Fraudulent Activity: Accounts involved in fraudulent, illegal, or unethical behavior may be terminated without prior notice.
Inactive Accounts: Accounts that remain inactive for an extended period may be deactivated at the company's discretion.
User-Initiated Closure:
Users wishing to close their accounts can contact customer support via the designated email or phone number.
Account closure requests will be processed only after all outstanding dues, including loan repayments, are settled in full.
No Responsibility for User Errors: The company is not liable for losses arising from incorrect information provided by users or misuse of the app.
System Failures: The company is not responsible for interruptions, delays, or technical issues beyond its control.
Third-Party Actions: Mirror Cash disclaims liability for any harm caused by third-party services integrated with the app.
The app is provided on an "as is" basis without warranties of any kind, whether expressed or implied. Users accept all risks associated with its use.
All intellectual property rights associated with the Mirror Cash app, including but not limited to its design, features, content, and trademarks, are the exclusive property of Udvai Traders Private Limited.
Restrictions on Use: Users are prohibited from:
Reproducing or distributing app content without explicit permission.
Modifying or reverse-engineering the app or its components.
Using the app’s intellectual property in ways that violate applicable laws or these Terms.
Unauthorized use may result in account suspension and legal action.
Credit Evaluation: Partner services may assess user creditworthiness based on shared data.
Payment Processing: Third-party gateways facilitate seamless transactions.
Data Analytics: External tools may process user data to improve services.
By using Mirror Cash, users agree to the terms and privacy policies of these third-party providers. Udvai Traders Private Limited is not liable for issues arising from the use of such services.