PHOCKET INFOTECH PRIVATE LIMITED, whose registered office is Flat 3, 12 Central Lane, Bengali Market, New Delhi - 110001 (hereinafter shall be referred to as "Phocket" or "Company" or "us" or "we" are the owner of the mobile application by the name Phocket ("App") and website at www.phocket.com ("Website") (App and Website are hereinafter together referred to as the "Platform").
THIS POLICY DESCRIBES OUR POLICIES AND PROCEDURES FOR COLLECTION, USE, STORAGE, PROCESSING, DISCLOSURE AND PROTECTION OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, BUSINESS OR PERSONAL INFORMATION PROVIDED BY YOU AS A USER ("YOU/R" or "USER") WHILE USING THE PLATFORM. USER SHALL MEAN ANY PERSON/ PERSONS, WHO VISIT, USES, DEALS WITH AND/ OR TRANSACTS THROUGH THE APP OR AVAILS OUR SERVICES AND INCLUDES A BROWSER.
THIS POLICY CONSTITUTES A LEGAL AGREEMENT BETWEEN YOU, AS THE USER OF THE PLATFORM, AND PHOCKET, AS THE OWNER OF THE PLATFORM. YOU MUST BE A NATURAL PERSON WHO IS AT LEAST 20 YEARS OF AGE.
BY VISITING/ ACCESSING THE PLATFORM, THROUGH THE WEBSITE OR THE APP AND VOLUNTARILY PROVIDING US WITH INFORMATION (PERSONAL AND/ OR NON- PERSONAL) FOR THE PRODUCTS OR OTHERWISE, YOU ARE CONSENTING TO OUR USE OF IT IN ACCORDANCE WITH THIS POLICY. THIS POLICY DOES NOT APPLY TO THIRD-PARTY WEBSITES/ APPLICATIONS THAT ARE CONNECTED VIA LINKS TO THE PLATFORM. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY, PLEASE DO NOT PROCEED FURTHER TO USE/ ACCESS THIS PLATFORM.
YOUR USE OF THE PLATFORM WILL BE GOVERNED BY THIS POLICY AS APPLICABLE TO THE PLATFORM TOGETHER WITH ALL POLICIES, NOTICES, GUIDELINES, DISCLAIMERS THAT ARE PUBLISHED AND SHARED WITH YOU FROM TIME TO TIME WHICH ARE INCORPORATED HEREIN BY WAY OF REFERENCE INCLUDING BUT NOT LIMITED TO OUR TERMS & CONDITIONS AND SUCH OTHER TERMS AS MAY BE APPLICABLE TO YOU IN YOUR CAPACITY AS A USER OF THE WEBSITE. THIS POLICY SHALL BE ENFORCEABLE AGAINST YOU IN THE SAME MANNER AS ANY OTHER WRITTEN AGREEMENT.
THIS POLICY IS A PART OF THE PLATFORM TERMS & CONDITIONS AND ALL CAPITALIZED TERMS UNDER THIS POLICY THAT HAVE NOT BEEN SPECIFICALLY DEFINED HEREIN SHALL HAVE THE MEANING AS ASCRIBED TO IT UNDER THE PLATFORM TERMS & CONDITIONS.
WE MAY UPDATE THIS POLICY FROM TIME TO TIME. YOU MUST PERIODICALLY REVIEW THE POLICY FOR THE LATEST INFORMATION ON OUR PRIVACY PRACTICES.
During Your use of the Phocket Platform, we will collect information and data including but not limited to Your personal information and sensitive personal information/data ("SPD & I") as defined under the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011. You hereby provide us explicit consent to collect the following data from You as a data provider which also includes SPD & I:
Your name, address, date of birth, contact information (which might be used for loan collection purposes), PAN number, the name of the bank where you have a primary account, bank statements etc.;
Details regarding your employment, including, years of experience, details of income, the name of the current employer, details of the office address, details regarding the years/months completed with the current employer;
Credit-related information that is collected from other sources like the credit bureau;
Know your customer data such as Aadhar, PAN, Voter ID, photo etc.
Your unique identifiers such as username and password preferences information and transaction history;
Any other information that Phocket is required to collect as per its specific mandate from Reserve Bank of India or as a requirement under applicable law in India;
Information from you electronically - like the pages viewed, how you navigate through the Phocket Platform and interact with Phocket Platform, etc.
As detailed above, we also collect your personal information, including financial information, from the registration or other completed forms/questionnaires that You provide to Us. We will also receive your personal information, including financial information, from documents that you may provide to Us and/or from documents like the credit report that You authorize Us to obtain on Your behalf from credit information companies.
The information We collect about You will depend on the products and services we offer, on an ongoing basis. The information collected from You will be used in order to effectively provide Services to You. If You do not allow Us to collect all the information We request, we may not be able to deliver all of these services effectively. You hereby provide us explicit consent to use the data specified above as per the terms of this Policy.
You further understand and consent to the fact that We may also supplement the information We collect from You with information We receive from other companies or third parties. For example, we may use marketing segments developed by Us or other companies to customize certain services or offer more products to you.
You hereby provide explicit consent to Us for the use of Your information provided (including SPD & I) provided by You to Us (as specified above) and to share such information with third parties for the following purposes:
You hereby provide explicit consent to the disclosure of your information (including SPD & I) by Us to third parties as per the terms of this Policy. You provide us explicit consent to share Your information with third parties only in such manner and for the purposes as described below:
We store and process Your personal information, including the information received from Your Device on Google Cloud Servers and other secure cloud service providers. All information received by Us, either directly from You or through Your Device is protected and secured by Us. We adopt multiple safeguards to protect the security of the information and data provided by You, some of the safeguards We use are firewalls and data encryption using SSL, and information access authorization controls.
We use reasonable safeguards to preserve the integrity and security of Your information against loss, theft, unauthorized access, disclosure, reproduction, use or amendment. To achieve the same, we use reasonable security practices and procedures as mandated under applicable laws for the protection of Your information. Information You provide to Us may be stored on Our secure servers located within or outside India.
However, you understand and accept that there's no guarantee that data transmission over the Internet will be completely secure and that any information that You transmit to Us is at Your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorized third-party access to our Phocket Platform and databases or other acts of third parties or acts or omissions beyond Our reasonable control and You shall not be entitled to hold Phocket responsible for any breach of security.
With this Policy, We're only addressing the disclosure and use of data collected by Us. If You visit any websites through the links on the Phocket Platform, please ensure You go through the privacy policies of each of those websites. Their data collection practices and their policies might be different from this Policy and Phocket does not have control over any of their policies neither does it have any liability in this regard.
"Phishing" usually occurs when users of a website are induced by an individual/entity into divulging sensitive personal data by using fraudulent websites and/ or e-mail addresses. In the event You provide information to a website or respond to an e-mail which does not belong to Us or is not connected with Us in any manner, you will be a victim of Phishing. We do not send e-mails requesting a user for payment information, username or passwords. However, we may verify the username, password etc. provided by You from time to time.
We have taken every effort to ensure that this Policy adheres to the applicable laws. The invalidity or unenforceability of any part of this Policy shall not prejudice or affect the validity or enforceability of the remainder of this Policy. This Policy does not apply to any information other than the information collected by Us through the Phocket Platform. This Policy shall be inapplicable to any unsolicited information You provide Us through the Phocket Platform or through any other means. This includes, but is not limited to, information posted in any public areas of the Phocket Platform. All unsolicited information shall be deemed to be non-confidential and the Company shall be free to use and/ or disclose such unsolicited information without any limitations.
This Policy shall be governed by and construed in accordance with the laws of the Republic of India. The courts at Products, India shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with this Policy.
The rights and remedies of available under this Policy may be exercised as often as necessary and are cumulative and not exclusive of rights or remedies provided by law. It may be waived only in writing. Delay in exercising or non-exercise of any such right or remedy does not constitute a waiver of that right or remedy, or any other right or remedy.
If You have a grievance with respect to use of Your personal information, please write to firstname.lastname@example.org
Phocket is a company based in India. By browsing/using the Platform, you hereby acknowledge that the Company is not responsible or liable in any manner to comply with any local laws of Your territory except India.
This Agreement shall be construed and governed by the laws of India and courts of law at New Delhi shall have exclusive jurisdiction over such disputes without regard to principles of conflict of laws.