If you do not agree to this Policy or any part thereof, please do not use or access our Platform or any part thereof.
When you use our Platform, whether our Website or our App, we collect and store your information which is provided by you from time to time. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience and services. This allows us to provide services and features that meet your needs, and to customize our Platform to make your experience safer and easier and to improve the services provided by us. More importantly, we collect personal information from you that we consider necessary for achieving the aforementioned purpose.
In general, you can browse the Website or App without telling us who you are or revealing any personal information about yourself. However, to create an account on the Website or App, you must provide us with certain basic information required to provide customized services. The information we collect from you, inter alia, including:
Where possible, we indicate the mandatory and the optional fields. You always have the option to not provide your personal information by choosing not to use a particular service or feature on the Platform. We also collect other identifiable information (your last 3 months Account statement, last 3 months salary details and transaction histories on the Platform) from you when you set up a free account with us. While you can browse some sections of our Platform without being a registered member as mentioned above, certain activities (such as availing of loans on the Platform) requires registration and for you to provide the above details. The Platform shall clearly display the personal information it is collecting from you, and you have the option to not provide such personal information. However, this will limit the services provided to you on the Platform.
We automatically track certain information about you based upon your behavior on our Platform. We use this information to do internal research on our users' demographics, interests, and behavior to better understand, protect and serve our users and improve our services. This information is compiled and analyzed on an aggregated basis. We also collect your Internet Protocol (IP) address and the URL used by you to connect your computer to the internet, etc. This information may include the URL that you just came from (whether this URL is on our Website or not), which URL you next go to (whether this URL is on our Website or not), your computer browser information, and your IP address.
If you choose to make a purchase through the Website, we collect information about your buying behavior.
We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law. If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we collect such information into a file specific to you.
The information the App collects, and how that information is used, depends on how you manage your privacy controls on your device. When you install the App, we store the information we collect with unique identifiers tied to the device you're using.
We collect information from the device when you download and install the App and explicitly seek permissions from YOU to get the required information from the device.
The information we collect from your device includes the unique ID i.e. IMEI number, information on the operating system, SDK version and mobile network information including carrier name, SIM Serial and SIM Slot, your profile information, list of installed apps, wi-fi information. We collect information about your device to provide automatic updates and additional security so that your account is not used in other people's devices. In addition, the information provides us valuable feedback on your identity as a device holder as well as your device behavior, thereby allowing us to improve our services and provide an enhanced customized user experience to you.
The key information collected from the device is further detailed below-
We use personal information to provide the services you request, to customize your user experience and to improve our services. To the extent we intent to use your personal information to market any product to you, we will provide you the ability to opt-out of such uses. We use your personal information to:
In our efforts to continually improve our product and service offerings, we collect and analyze demographic and profile data about our users' activity on our Application.
We use the information provided by you in the following ways:
We will use and retain Your information for such periods as necessary to provide You the Services on our Application, to comply with our legal obligations, to resolve disputes, and enforce our agreements.
We will share Your information with third parties including our regulated financial partners for provision of services on the Website and/or for facilitation of a loan/facility to a User. We will share Your information with third-parties only in such manner as described below:
In case we use or disclose You information for any purpose not specified above, we will take your explicit consent.
You have certain choices regarding the information we collect and how it is used:
The Website/App is built with strict security features that continuously protect your information.
Our Platform has stringent security measures in place to protect the loss, misuse, and alteration of information under control. We endeavor to safeguard and ensure the security of the information provided by you. We use Secure Sockets Layers (SSL) based encryption, for the transmission of the information, which is currently the required level of encryption in India as per the law.
In addition, the Website and Application have been audited by a Cert-in auditor XIARCH SOLUTIONS PVT LTD and have been certified for:
We work hard to protect from unauthorized access, alteration, disclosure or destruction of information we hold, including:
We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from from us in general, after setting up an account.
If you want to remove your contact information from all lists and newsletters, please contact us.
If you wish to remove your data taken from Facebook, follow the steps below -
1. Mail your request at firstname.lastname@example.org
2. The subject of the mail should be DELETE PERSONAL DATA
3. One of our team member will contact you for knowing the reason and taking final consent on-call.
4. After this, your request will be processed within 3-5 working days.
5. We will send you a confirmation mail for the same.
Our Website links to other websites that may collect personally identifiable information about you. We are not responsible for the privacy practices or the content of those linked websites. 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 Website, 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 We do not have control over any of their policies neither do we have any liability in this regard.
We do not advertise on our website / application
In accordance with Information Technology Act 2000 and rules made thereunder, the name and contact details of the Grievance Officer are provided below:
Name: Ravinder Sharma
Address: Flat No 1401 & 1403, Building No 43, Chiranjiv Tower, Nehru Place, New Delhi - 110019