Verify customer identity, record consent on video, complete OTP verification, and maintain a timestamped audit trail in a DPDP 2023 compliant process that can be deployed in just one week.
Smart Consent is a video-based consent solution designed for Indian lenders and insurers. Instead of relying on a checkbox or an "I Agree" button, it records the customer's consent on video after verifying their identity. The customer reviews and confirms the terms and conditions, completes OTP verification, and the entire session is securely timestamped and recorded.
This creates a reliable and tamper-proof record of consent that can be used as evidence during policy disputes, loan recovery cases, or regulatory audits.
“The customer verbally confirms the terms and conditions, completes OTP verification, and the entire session is securely timestamped and recorded.”
If a customer disputes a policy years later or a regulator asks whether the customer truly understood the terms, a simple database record may not be enough. A recorded video with identity verification, OTP confirmation, and a timestamped transcript provides strong and verifiable evidence.
Only records that the customer clicked "Agree"
Identity verified. Terms read aloud. OTP on camera. Timestamped and sealed.
A simple five-step process takes customers from verification to consent recording with complete audit records.
SMS, WhatsApp, email, or in-app. No download. Camera and mic permissions are requested, geo-tag is captured, and the recording starts. The customer sees their own video on screen along with a clear "this session is being recorded for consent" notice.
Face match against the customer's identity documents. Liveness check confirms the person is real and present. If this Smart Consent is chained with a Video KYC Solution, identity is already verified in real time.
Your compliance team configures the terms that need to be acknowledged. The customer reads the terms aloud or confirms them verbally. A one-time code is shown on screen, and the customer provides it on camera. The session is automatically transcribed and recorded for future reference.
The customer sees a simple summary of what they are agreeing to and provides a final confirmation through a spoken response or a tap. The terms are presented in clear, easy-to-understand language to support informed consent and regulatory requirements.
The platform creates a complete evidence package containing the video recording, transcript, OTP verification, geo-location, IP address, device details, and timestamps. All records are securely stored and can be automatically sent to your loan management, policy administration, or other internal systems through webhooks. The evidence can be easily retrieved whenever required for audits, reviews, or dispute resolution.
Every Smart Consent session produces a structured evidence package. Video, transcript, OTP, location, device, and timestamps. Each item independently verifiable. Each item hashed so any tampering is immediately detectable. This is what a defensible consent record looks like.
Built for the moments where a checkbox is not enough, such as insurance policy issuance, loan agreements, sensitive-data sharing under DPDP 2023, premium re-pricing, and consent withdrawals.
Life, health, and general insurance policy consent capture on video at the moment of issuance. When a claim is disputed, you can represent a recording as evidence instead of tick box.
Loan terms, interest rate, repayment schedule, and pre-payment clauses were consented to on video before disbursement. If the borrower later disputes, you have the recording. Useful for unsecured loans, BNPL, and any product where dispute risk is real.
Sensitive personal data sharing under DPDP 2023 requires informed, granular, withdrawable consent, not a buried tick box. Smart Consent records the specific purpose, what is being shared, with whom, and for how long in language the customer actually understands.
All in the platform today. No roadmap items, no "coming soon."
What compliance, risk, and product teams ask before signing.
Smart Consent is a video consent capture solution for lenders insurers and financial services in India. Instead of a checkbox or click to agree button Smart Consent records the customers consent on video with identity verification OTP on camera confirmation and a script based flow. The result is a tamper proof evidence package that is DPDP 2023
compliant and can be used in policy or loan disputes.
A checkbox only proves that something was clicked. It does not prove who clicked it what they understood or whether they were the actual customer. Video consent captures the customers face voice and clear statement of agreement along with verified identity and timestamps. In case of disputes or loan recovery issues video evidence is much harder to deny or challenge.
Yes, Smart Consent is built to meet DPDP 2023 requirements for valid informed and specific consent. It records what was consented to when by whom and for what purpose. It also supports consent withdrawal as required by the Act. Data is stored on Indian servers and retained as per your policy.
Smart Consent is used at the consent stage after KYC verification and before policy issuance or loan disbursement. Many companies use it together with Video KYC so identity and consent are captured in the same session. It can also be used separately for existing customers when re-consent is needed or for specific actions like nominee updates or premium changes.
Smart Consent can capture consent for insurance policy issuance, loan agreements, premium updates, nominee changes, terms of service updates, data sharing consent, account closure, and any other situation where customer approval is required and legally important. The script and verification steps can be customized for each use case.
Bring a case your team has already settled or written off. We will walk through what an evidence package would have looked like for that customer and whether the outcome could have been different.
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