About Us - Josh Riders

What is Josh Riders?

Josh Riders is an independent information and consultancy technology platform designed specifically for the commercial vehicle industry. We provide tools, estimates, and general guidance to help truck operators, fleet owners, and drivers make informed decisions.

We are NOT:

❌ A bank or financial institution
❌ A loan provider, arranger, broker, or DSA
❌ Affiliated or partnered with any bank or NBFC
❌ A credit bureau

We ARE:

✅ An independent information and consultancy platform
✅ A provider of self-service tools and estimates (quotations, EMI, fare, etc.)
✅ A licensed insurance agent of The New India Assurance Co. Ltd. (IRDAI-licensed) for motor insurance
✅ An information hub for the commercial vehicle industry

How Josh Riders Works

1. You Access Our Platform

Sign up with your mobile number (OTP-based secure authentication)

2. Choose a Service

Select from truck quotations, loans, insurance, CIBIL check, or fare calculator

3. We Provide Information & Guidance

Our platform gives you tools, estimates, and general guidance for your decision

4. You Approach Providers Independently

You choose and approach banks, NBFCs, or insurers of your choice directly

5. You Receive the Service

Any loan, insurance policy, or credit report is provided directly by that institution

💡 Key Point: Josh Riders is an independent information and consultancy platform for loans (we are not a bank, NBFC, or DSA, and do not arrange or guarantee any loan). For motor insurance, the founder is a licensed agent of The New India Assurance Co. Ltd. (IRDAI-licensed) and can help you take a New India Assurance policy.

Our Services

Truck Quotations

Instant on-road price calculations for commercial vehicles with all taxes, insurance, and RTO charges included.

Loan Consultancy

General guidance and information to help you understand vehicle loans. We do not provide, arrange, or broker loans, and we are not tied to any lender.

Motor Insurance (Licensed Agent)

The founder is a licensed IRDAI agent of The New India Assurance Co. Ltd. We can help you take a New India Assurance motor policy. Policies are issued and claims handled by New India Assurance.

CIBIL Score Check

Check your credit score through authorized third-party APIs. We are not affiliated with CIBIL/TransUnion.

Fare Calculator

Calculate route-based fares and toll estimates for your trips using Google Maps API.

Secure Payments

PCI-DSS compliant payment processing through Razorpay (RBI-authorized payment gateway).

Service Providers We Use

Insurance Agency

The New India Assurance Co. Ltd. — The founder is a licensed IRDAI agent of New India Assurance for motor insurance. Policies are underwritten and issued by New India Assurance; claims are handled directly by them.

Technology & Payment Providers

Payment Gateway: Razorpay (PCI-DSS compliant, RBI authorized) — used only to collect platform/consultation fees
KYC Verification: Sandbox.co.in (authorized KYC provider)
Credit Score API: Authorized third-party API providers (indicative scores only)
Location Services: Google Maps API
Infrastructure: Google Firebase (secure cloud hosting)

No Bank/NBFC Affiliation:

Josh Riders is not affiliated, partnered, or in any arrangement with any bank or NBFC, and does not receive commission from any lender. For insurance, the founder acts as a licensed agent of The New India Assurance Co. Ltd. and may earn agent commission from New India Assurance as per IRDAI norms.

Important Disclaimers

⚠️ CIBIL & Credit Scores:

Josh Riders is not affiliated with CIBIL or TransUnion. Credit scores are provided through authorized third-party APIs and are indicative only. Scores may vary from official CIBIL reports. We do not guarantee score accuracy or specific improvements.

⚠️ Loan Services:

Josh Riders does not provide, arrange, or broker loans, and is not connected to any bank or NBFC. We offer general information and consultancy only. Any loan is between you and the financial institution you choose to approach. We do not guarantee any loan or its approval.

⚠️ Insurance:

Motor insurance is offered through the founder acting as a licensed IRDAI agent of The New India Assurance Co. Ltd. Josh Riders is not itself an insurer. Policies are issued by, and claims are settled by, New India Assurance as per policy terms.

Regulatory Position

Our Role

Josh Riders is an independent information and consultancy technology platform. For loans we provide information only and do not lend, arrange, broker, or distribute loan products. For motor insurance, the founder is a licensed IRDAI agent of The New India Assurance Co. Ltd.

What We Are Not

❌ Not a bank, NBFC, or lender
❌ Not a loan broker or DSA, and not affiliated with any bank/NBFC
❌ Not an insurance company (we represent New India Assurance only as a licensed agent)
❌ We do not earn any commission from lenders

Data Protection

✅ Data encrypted in transit (HTTPS/TLS)
✅ Data encrypted at rest (Firebase encryption)
✅ Secure authentication (OTP-based)
✅ Privacy Policy published
✅ Data deletion available on request

Why Choose Josh Riders?

🎯 Industry Focused: Built specifically for commercial vehicle operators
💰 Save Time & Money: Compare multiple options in one place
🔒 Secure & Transparent: No hidden charges, clear pricing
📱 Easy to Use: Simple mobile-first interface
🤝 Independent on Loans: Not tied to any bank or NBFC
💬 Customer Support: hellojoshriders@gmail.com
📄 Transparent Policies: Clear terms, privacy policy, and disclaimers

Contact & Support

📧 Email: hellojoshriders@gmail.com

🌐 Website: https://freshrewards-7f27e.web.app

📄 Important Links:

🚛 About Josh Riders