Digital Lending no more morphing of images & data scrapping

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener

Digital Lending involves lending through web platforms or mobile apps, utilizing technology for authentication and credit evaluation.

Historically, lending has been a transaction in which the lender gives money to the borrower in exchange for a return (interest) on the money.

Traditionally, this sector was highly disorganized. It has evolved over time from pawnbrokers lending money in exchange for collateral to a more structured procedure involving banks and/or financial institutions. Rapid advancements in cloud computing, artificial intelligence, and blockchain, as well as faster and more affordable internet connectivity, have fuelled the rise of FinTech start-ups, and lending has also transformed and become "digital."

DIGITAL LENDING

Over 190 million Indian adults don't have any kind of bank account thereby representing a huge opportunity. Over the years, the digital lending market in India has significantly expanded. The value of digital lending rose from USD 33 billion in FY15 to USD 150 billion in FY20 and is projected to reach USD 350 billion by FY23.

FUTURE OF LENDING IS DIGITAL

The industry has been alerted by Covid-19 to the tremendous potential of digital transformation. As customer demand for contactless transactions rises, more lenders will adopt technology to provide borrowers with maximum convenience. Even traditional banks and non-banking financial companies (NBFCs) are realizing the need to digitize processes such as customer onboarding, risk assessment, loan underwriting, disbursement, and repayment in order to reduce operational costs and enhance the customer experience.

In the coming years, technology will continue to disrupt the digital lending ecosystem, with a renewed emphasis on delivering an improved end-to-end customer experience. Thus, it was high time for Reserve Bank of India, to regulate this growing sector to safeguard the interest of both borrowers and lenders.

The regulatory framework introduced by the RBI is based on the principle that lending businesses can only be carried out by RBI regulated entities (“REs”) or entities who are permitted to do so under any other law.

1. Credit Reporting

As per new regulations in place now it is mandatory that all  lending sourced through digital lending applications (“DLAs”) must be reported to credit information companies (“CICs”). The DLAs may be those operated by an RE, such as a bank or non-banking financial company, or an LSP.

 Additionally, all new digital lending products extended by REs through merchant platforms involving short term credit or deferred payments must be reported to CICs.

2. Data Privacy and Localisation

  1. Data collection and storage: All REs must store data on servers located within India. It also stipulates that data collected by DLAs must be (i) need based; (ii) have clear audit trails; and (iii) should only be done with explicit consent of the borrowers. Additionally, borrowers must be permitted to (i) accept or deny consent for the use of specific data or sharing of data with third parties; (ii) revoke previously granted consent; and (iii) be given an option to delete data collected from DLAs and LSPs.

 Further, DLAs are prohibited from accessing mobile phone resources such as file and media, contact list, call logs, telephony functions etc. One-time access may be taken by a DLA for camera, microphone, location or other facility necessary for on- boarding/KYC requirements (subject to explicit consent by the borrower). However, no biometric data should be stored/collected in systems associated with DLAs unless allowed by the regulatory guidelines.

Privacy policy and disclosures:

 REs must ensure that all DLAs (including DLAs of LSPs) have comprehensive publicly available privacy policies. Details of third parties that are allowed to collect third party information through the DLA must be disclosed. Further, clear policy guidelines regarding storage of customer data (including the type of data that can be held, retention period, use-restrictions relating to the data, destruction protocol and standards for handling security breaches) must be disclosed prominently on the DLAs’ websites and applications.

The purpose of obtaining borrowers’ consent must also be disclosed at each stage of interface with the borrowers. Additionally, REs must ensure that the DLAs contain links to the REs’ websites where further/detailed information about the loan products, lenders, LSPs, customer care details, Sachet portal and privacy policy may be accessed by borrowers.

3. Customer Protection and Disclosure Issues

  1. Fund flow: All loan servicing, repayment etc. must be done directly between lenders and borrowers without any pass-through account/pool account of any third party. Disbursements must always be made into the bank account of a borrower. However, exceptions would be considered for (i) disbursals covered exclusively under statutory or regulatory mandate; (ii) flow of money between REs for co-lending transactions; and (iii) disbursals where loans are mandated for specified end-use as per RBI guidelines (or guidelines issued by any other regulator). Notably, REs must ensure that any fees, charges etc. payable to LSPs are paid directly by REs and not charged by the LSP to the borrower directly.
  2. Disclosures: REs must disclose upfront the all-inclusive cost of digital loans as an annual percentage rate (“APR”). Additionally, REs must provide a key fact statement (“KFS”) to borrowers before execution of the contract in a standardized format for all digital lending products (specified in Annex II of the Master Direction – Reserve Bank of India (Regulatory Framework for Microfinance Loans) Directions, 2022).
  3. The KFS must contain (i) the APR; (ii) terms and conditions of recovery mechanism; (iii) details of the grievance redressal officer; and (iv) cooling-off period. It specifies that any fees, charges etc. which are not mentioned in the KFS cannot be charged by the RE at any time during the term of the loan. REs must also publish a list of LSPs and DLAs engaged by them along with the details of the activities for which they have been engaged, on their websites. Notably, REs must ensure that digitally signed documents supporting important transactions through DLAs, such as (i) KFS; (ii) summary of product; (iii) sanction letter; (iv) terms and conditions; (v) account statements; and (vi) privacy policies of LSPs with respect to borrowers’ data will automatically flow from the lender to the registered/verified email or SMS of the borrower, upon execution of the loan contract/transactions.
  4. Customer grievances: REs must ensure that they and all their LSPs have nodal grievance redressal officers to deal with FinTech/digital lending related complaints or issues raised by borrowers. REs and LSPs must display the contact details of such nodal grievance officers on their websites and DLAs along with information on the mode of lodging a complaint. If complaints are not resolved by the nodal grievance officers within 30 (thirty) days, complainants may lodge a complaint through the ‘Reserve Bank Integrated Ombudsman Scheme’.
  5. Credit worthiness: REs are permitted to capture the economic profile of borrowers (age, occupation, income etc.) before extending any loans over DLAs, in order to assess a borrower’s credit worthiness in an auditable manner. However, REs must ensure that automatic increases in credit limits are subject to explicit borrower consent.
  6. Cooling off/look-up period: A cooling off/look-up period (determined by the board of each RE) must be given to borrower for exiting digital loans in case the borrower decides not to continue with the loan during that period, by paying the principal and APR without any penalty.
  7. LSP due diligence and restrictions: REs must conduct an enhanced due diligence process on each LSP prior to engaging them and periodically thereafter taking into account the LSP’s technical abilities, data privacy policies and storage systems, fairness in conduct with borrowers and ability to comply with regulations and statutes. REs must ensure that their LSPs do not store personal data of borrowers, with the exception of minimal data (such as name, address, contact details etc.) that may be required to carry out their operations. The identity of the LSP acting as recovery agent (or any change in such LSP) must be informed to borrowers as well.
  8. However, the action on following is also awaited.
  9. First-loss-default-guarantee (“FLDG”): The Report had recommended that REs be prohibited from entering into any arrangements involving synthetic lending structures such as FLDG where their balance sheets are used by unregulated entities in any form to assume credit risk. While the RBI has accepted this recommendation in principle, it is currently under review and has not yet been implemented by the Press Release.
  10. Baseline technology and data requirements: The RBI is formulating baseline technology standards for DLAs which will include (i) secure application logic; (ii) keeping auditable logs of every action that a user performs along with their IP address and device information; (iii) monitoring of transactions being undertaken through the DLA; and (iv) multi-step approval for critical activities undertaken on the DLA.
  11. Self-regulatory organisation (“SRO”): The Report had recommended that an SRO be set up to cover REs, DLAs and LSPs in the digital lending ecosystem. While the RBI has accepted this recommendation in principle, it is currently under review and has not yet been implemented.
  12. Banning of unregulated BSLs: The Report had recommended that only REs be permitted to undertake lending businesses as BSLs through DLAs. The RBI has stated that this recommendation requires engagement with the Government of India and stakeholders.
  13. Digital India Trust Agency (“DIGITA”): The Report had recommended the setting up of a nodal agency i.e., DIGITA, to verify the technological credentials of DLAs and maintain a public register of verified DLAs on its website. The report also recommended that applications which do not carry a ‘verified’ signature by the DIGITA be considered unauthorized for the purpose of law enforcement.
  14. The RBI has stated that this recommendation requires engagement with the Government of India and stakeholders.

 

Dr. Ajay Kummar Pandey

( LLM, MBA, (UK), PhD, AIMA, AFAI, PHD Chamber, ICTC, PCI, FCC, DFC, PPL, MNP, BNI, ICJ (UK), WP, (UK), MLE, Harvard Square, London, CT, Blair Singer Institute, (USA), Dip. in International Crime, Leiden University, the Netherlands )
Advocate & Consultant, Supreme Court of India & High Courts

4C Supreme Law International, Delhi, NCR. Mumbai & Dubai
Tel: M- 91- 9818320572. Email: editor.kumar@gmail.com

Facebook: /4Clawfirm, /legalajay/ Linkedin: /ajaykumarpandey1/ Twitter:  /editorkumar / Youtube: c/4cSupremeLaw/ Insta: /editor.kumarg

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Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Will District Magistrate look after Child Welfare ?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Insolvency and Bankruptcy Code Bill 2021: amendments for small businesses

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Can daughter in law drive out father-in-law from family property?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Can your brother and Sisters have claim over your property ?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Are women safe at home?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
A woman is raped every 5 hours, 10 mins in Delhi

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Centre sets speed limit for vehicles in Delhi, heavy fines for over speeding

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Law and Covid

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Are you ready to die peacefully

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
DO YOU HAVE WILL TO WALK ?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
सवाल: मकान मालिक या किरायेदार... किसे फायदा पहुंचाएगा केंद्र का नया कानून, जानिए प्रमुख बातें

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Do you want to earn huge money?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
WhatsApp पर तीन रेड टिक? नहीं, सरकार आपके मैसेज, कॉल रिकॉर्ड नहीं कर रही है

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Are you next victim of Spy Groom war?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
काम की बात: क्या नॉमिनी ही होता है उत्तराधिकारी? जानिए क्या कहता है नियम और क्या हैं इनके अधिकार

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
My father passed away without a will. Who has legal rights to his property?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Get paid without insurance for Covid death

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
News You Can Use.

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
कोरोना में पैरेंट्स को राहत:सुप्रीम कोर्ट ने कहा- स्कूल चलाने का खर्च कम हुआ, इसलिए ऑनलाइन क्लासेस की फीस घटानी चाहिए

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Big Day: Big News

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
रेमडेसिविर की कालाबाजारी में प्रख्यात न्यूरो सर्जन सहित 3 गिरफ्तार, इंजेक्शन की बड़ी खेप और 36 लाख रुपये बरामद

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Are you ready?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Can winking and Blowing kisses land you in Jail ?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Setback for Britannia Industries as Delhi HC junks trademark infringement plea against ITC Limited

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
नोएडा, गाजियाबाद से दिल्ली में लग रहे जाम पर सुप्रीम कोर्ट हुआ सख्त, जारी किया नोटिस

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
UNHOLY HOLI, Will Holi land you in Jail ?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
क्रिप्टोकरेंसी को सरकार ने किया स्वीकार! कंपनियों को देना होगा हर लेन-देन का हिसाब

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Reservation more than 50 per cent is need of hour: Maharashtra

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
आईटीआर में खामी रह जाने पर इनकम टैक्स 7 तरह के नोटिस जारी करता है, जानिए इनका मतलब

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Person Who Has Not Drawn The Cheque Cannot Be Prosecuted U/s 138 NI Act Even In Case Of Joint Liability: Supreme Court

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Didda Copyright Row: दिद्दा कॉपीराइट विवाद पर मुश्किल में कंगना, कोर्ट के आदेश पर एक और FIR दर्ज

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
फैसला: सुप्रीम कोर्ट ने किराएदार पर लगाया एक लाख का जुर्माना, अद्भुत मामला दिया करार

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
चेतावनी! 15000 रुपए का कटेगा चालान और 2 साल की होगी जेल, अगर गाड़ी में किया यह काम

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Oyo lost arbitral battle

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
पत्नी कोई गुलाम या संपत्ति नहीं, पति के साथ रहने के लिए मजबूर नहीं किया जा सकता- सुप्रीम कोर्ट

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
किसी को शादी के लिए झूठा वादा नहीं करना चाहिए, चाहे पुरुष हो या महिला: सुप्रीम कोर्ट

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
How to jump the corporate ladder by selling Gossip at 15 Crore ?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
सुप्रीम कोर्ट की बड़ी टिप्पणी: जीवनसाथी की प्रतिष्ठा को ठेस पहुंचाना मानसिक क्रूरता के समान

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
सुप्रीम कोर्ट की बड़ी टिप्पणी: जीवनसाथी की प्रतिष्ठा को ठेस पहुंचाना मानसिक क्रूरता के समान

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
पिता की संपत्ति में मिलता है बराबरी का हिस्‍सा, हर बहू-बेटी को पता होने चाहिए अपने ये अधिकार

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
उत्तराधिकार पर सुप्रीम कोर्ट का बड़ा फैसला, महिला का मायका पक्ष भी परिवार का हिस्सा

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Act beyond Act: CSR

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
स्किन से स्किन टच के बिना सेक्सुअल असॉल्ट का मामला नहीं... हाई कोर्ट के इस फैसले के खिलाफ महिला आयोग सुप्रीम कोर्ट पहुंची

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Decriminalisation of the Limited Liability Partnership Act

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Budget 2021: Key changes in GST to help small and medium- sized businesses

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
1 to 5 crore loan without colletral made easy: Budget 2021

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Is GST is becoming a headache for you.

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Moment of rare pride

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
बिहार पुलिस के सर्कुल ने बिहार प्रेस बिल की याद दिला दी है

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Italy court orders Facebook to pay $5 million in damages for copying app

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Foreigner To Deposit Cash Amount For Bail

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
How legal is COVID-19 vaccine ?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
WhatsApp's private chat leaked on Google, anyone can read your personal talks

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Do you know 18 must Laws for every Indian?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Why should I trust you or your business?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Do you need clearance from your RWA to employ your maid?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
क्या तलाकशुदा पत्नी घरेलू हिंसा अधिनियम के तहत निवास के अधिकार का दावा कर सकती है?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
SC grants Woman's Right to Residence Under the Domestic Violence Act

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Corporate War: Cookie King who fought with TATA and Ambani

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
HINDU MARRIAGE ACT : DIVORCE GRANTED TO HUSBAND ON THE GROUND OF MENTAL CRUELTY CAUSED BY WIFE

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Facebook love or chat can land you in Jail

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Financer can take way Car in case of payment default

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
18000 Crore Company, 8000 Crore personal worth, wife & sons living in street

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Do you love your wife and children?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
When the second marriage of a married woman / man becomes an offense under section 494

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Is Rhea Chakraborty guilty?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Daughters have equal right in ancestral property

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Is second wife entitled for share in Property?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
How to save your hard-earned wealth from legal hassles?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
What will happen to property of Hindu after his death?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Are you safe at home?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Can sex with your own wife land you in jail ?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Can you land in jail for sharing Obscene Message online in private?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Legally speaking who discovered America?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
47 years old legal dispute finally decided

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Are you a victim of Covid-19 Goonda Raj? Part-2

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Are you a victim of Covid-19 Goonda Raj ?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Can RWA stop your maid from coming to your home?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Can you escape Contractual Obligation under Covid-19?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Coronavirus: Is vaccine found for India Inc?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Is Wife Entitled to Maintenance Even If She Runs A Business & Earns Income?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Who will pay rent for lockdown period?

Digital Lending, morphing of images, Web Platforms, data scrapping, Ajay Kummar,  Dr. Pandey,  4c Supremelaw International, International Advocate, International Lawyer, Supreme Court Advocate, Supreme Court Lawyer, Best Advocate in India, Best Lawyer in India, Law Partener
Legal consequences of being whatsapp group admin

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