The Company may collect User’spersonal information, which shall include any information related to the User which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, which is capable of identifying the User, including, but not limited to name, address, passwords, date of birth, phone number, fax number, email address, PAN, Aadhaar number, driving license/passport/voter identity card/government issued identification card, financial profiles like the name of the User’s employer, monthly salary, annual income, net worth, details of the User’s assets and liabilities, copies of identification documents, e-KYC, demographic information, photographs, biometric information, digital signature keys, bank account, card information and other personal information and shall include (“User Information/Personal Information”):
A. Mandatory information: collected at the time of registration on the Website which is required to enable the User to login to the Websiteand for the Company to: (i) verify the User’sidentity; (ii) determine theUser’s eligibility for taking loans as per rules that may be determined by: (a) the Company; (b) the Company’s lending partners; or (c) both (a) and (b); and (iii) safeguard against illegal activities like fraud, cheating, misappropriation, etcetera.
B. Optional information that the User voluntarily provide to the Company: In order to use the facilities and services available on the Website, the Company may be required, from time to time, to provide certain additional personal information after registration on the Website, which information shall be collected only upon receiving the User’sexpress consent.
C. Anonymous Information: The Company may also automatically receive and collect certain anonymous information in standard usage logs through the web server, including mobile-identification information obtained from the equivalent of “cookies” sent to the Website, including mobile network information, standard web log information, traffic to and from theWebsite, tracking inside the Websiteand any other available information, from:
Depending on the activity, some of the Personal Information the Company may ask the User to provide is identified as mandatory and some is identified as voluntary. If the Company does not provide the mandatory information for a particular activity that requires it, the User may not be able to engage in that activity.
Certain portions of the Personal Information will remain private and some will be displayed to other Users, after clearly highlighting the same to the User, which information is private and what may be made public.
In order to enhance the Company’s ability to provide valuable services and experiences to the Users, the Company may automatically receive, collect and analyse the User’s location information which may be accessed through a variety of methods including, GPS, IP address,cell tower location, Device information (including storage, model, installed apps, WiFi, mobile network), transactional and promotional SMS, communication information including the User’s contacts to provide the User with customized services.
The Company shall use Personal Information only to provide services to its Users, enhance the operation of the Website, improve the Company’s marketing and promotional efforts and to provide the Users a better experience.
When the User registersonthe Website, the Company will use the information supplied by the User for its business, including to accesscredit reports from credit bureaus and for identity verification services to evaluate the User’sloan request in the context of the User’scomplete financial situation.
The Companywill also use the Personal Information that may be requiredto enable activities and transactions during the process of lending, such as:
The Company may store Personal Information even after the User ceases to use the Websiteor retain the same for general record keeping purposes and statistical research.
The Internet is spread worldwide and if the User is downloading, accessing, browsing and using this Websitefrom outside India, the User’s visit will necessarily result in the transfer of information across international borders. By visiting this Websiteand communicating electronically with the Company while using this Website,the User is consenting to these transfers.
The Company may also process any Personal Information collected from the Users for legitimate commercial purposes including providing its services. The Company implements appropriate technical and organizational measures to ensure a level of security appropriate to the risk of processing of such Personal Information about Users such as: (i) only sharing and providing access to the User’s Personal Information to the minimum extent necessary, subject to confidentiality restrictions where appropriate, and on an anonymized basis wherever possible; (ii) using secure servers to store the User’s information; (iii) verifying the identity of any individual who requests access to information prior to granting them access to Personal Information; and (iv) using Secure Sockets Layer (SSL) software or other similar encryption technologies to encrypt any payment transactions the User makes on or via the Website.
The security of the User’s Personal Information is important to the Company, but please remember that no method of transmission over the internet, or method of electronic storage, is 100% secure. While the Company strives to use commercially acceptable means to protect the User’s Personal Information, the Company cannot guarantee its absolute security.
The Company takes precautions to protect its data that contains the User’’s Personal Information. However, as a consideration for accessing or interacting with this Websitein any manner, the User waives all claims of any nature against this Websiteand the Company, concerning the loss, alteration, or misuse of his/her Personal Information. The User must assume that it is possible for the User’sPersonal Information to be obtained by others, such as “hackers,” and used in an inappropriate manner that may cause harm to the User and that the User agrees that the Company isnot responsible to provide any damages to the User in relation to the same.
If a password is used to help protect User accounts and account information, it is the responsibility of the User to keep such password confidential.
The Users have the right to (i) access, correct, delete the User’s Personal Information, subject to the Company successfully verifying the User’s identity; (ii) object to the Company processing the User’s Personal Information on legitimate grounds; or (iii) withdraw his/her consent to the Company’s use of his/her Personal Information at any time, where the Company relies on the User’s consent to use or process that information. (“Opt Out”)
To Opt Out, the Usermust send the Company an Opt Out request by writing to the Companyat firstname.lastname@example.org.
Please note that the User’s Opting Out, will not affect the lawfulness of the Company’s use and processing of the User’s information on the basis of his/her consent, where such consent was required,and the right to have the Personal Information transferred to another data controller, before the User Opts Out. Further, if the UserOpts Out, he/she will not be able to use the Websiteor any of the services provided by the Website.
"Cookies" are small pieces of information that are stored by the browser / application interface on the User’s Device’s hard drive when the User interacts with the browser through links provided on theWebsiteor otherwise.
The User has the ability to accept or decline Cookies. The Company processes and keeps all data for the Company’s own use and, if the User wishes to opt-out from tracking by the Company, the User can do so by writing to the Company at email@example.com.
The Company reserves the right to disclose and transfer all information to a subsequent owner, co-owner or operator of the Website. Further, the Company may partner with another party to provide specific services, if required. When the User signs-up for the services, the Company will share names, or other Personal Information that is necessary for the third party to provide these services.
Access to the User’s Personal Information is limited to employees, agents, consultants or partners and third parties, who the Company reasonably believes, will need that information to enable the Company to provide services to the User.
Grievance Officer Contact Number : +91 9820186402