collection, use, storage, processing, disclosure and protection of any information, including, but not
limited to, business or personal information provided by You while using the Platform.
By availing the Services, visiting or accessing the Platform and voluntarily providing the Company with information (personal and/ or non- personal), You are consenting to the Company’s use of it in
applications that are connected via links to the Platform. If You do not agree with the terms and
Definitions and Interpretations
“Applicable Law” means all laws, ordinance, statutes, rules, orders, decrees, injunctions, licenses,
permits, approvals, authorizations, consents, waivers, privileges, agreements and regulations of any
governmental authority/court of law having jurisdiction over the relevant matter including any
interpretations thereof, in effect.
“Cookies” means small files that reside on Your computer or other mobile device's hard drive and
generally contain an anonymous unique identifier and are accessible only by the website/ application that placed them there and not any other sites.
“Force Majeure Event" means any event that is beyond the Company’s reasonable control and shall
include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or
industrial action of any kind, riots, insurrection, war, acts of government, computer hacking,
unauthorised access to computer, computer system or computer network, computer crashes, breach of security and encryption (provided beyond the Company’s reasonable control), power or electricity
failure or unavailability of adequate power or electricity.
"Services" shall have the same meaning as defined under the Terms and Conditions.
“Terms and Conditions” means the terms and conditions available on the Platform.
“User Account” means the personal online account created by User to gain access and use the Platform.
a) What information is collected and why such information is collected;
b) How such information is used; and
c) How such information can be accessed and updated.
Information the Company Collects
During Your use of the Platform and with respect to the Company’s Services availed by you, the
Company may collect and process such information from You, including but not limited to the
information mentioned below:
a) Personal Information: This includes the information that can be used to uniquely identify or
contact You (“Personal Information”). While you create the User Account on the Platform and
avail the Company’s Services through the Platform, the Company may collect a variety of
Personal Information, including but not limited to, Your name, postal address, phone number,
email address, contact preferences, etc. You are required to ensure that Your contact information and preferences are accurate,complete and up to date by logging into the User Account. The Company shall also provide You with the opportunity to
(i) request correction of data relating to Your Personal Information if the
same is inaccurate; or
(ii) delete the data. Further, the Company may decline to process requests
Terms and Conditions or any Applicable Laws, or which require disproportionate technical
effort, jeopardize the privacy of others or are extremely impractical.
The Personal Information is collected from You in a voluntary manner when You provide your
credentials on the Platform. You may choose to not provide such Personal Information to the
(b) Non-Personal Information: Non-personal information is any information that does not reveal
Your specific identity, such as, browser information, information collected through, pixel tags
and other technologies, demographic information, etc., (“Non-Personal Information”). As is true
with most websites, the Company’s Platform gathers some information automatically when You
visit the URL of the Platform and stores it in log files. When You use the Platform, the Company
may collect certain information about Your computer to facilitate, evaluate and verify Your use
of the Platform. For example, the Company may store environmental variables, such as browser
type, operating system, speed of the central processing unit (CPU), referring or exit web pages,
click patterns and the internet protocol (IP) address of Your computer. This information is
generally collected in aggregate form, without identifying any user individually.
stores on Your device.
(b) The Company uses session Cookies to confirm that Users are logged in. This type of Cookie helps
the Company to recognize a User, if he or she visits multiple pages on the Platform during the
same session. These Cookies terminate once the User exits the Platform.
(c) By default, the Company may use persistent Cookies which are permanently placed on Your
computer to store Non-Personal Information and certain profiling information such as age,
gender, income etc. The Company encodes its Cookies so that the Company can interpret the
information stored in them. The User may remove or block this Cookie using the User’s browser
settings to disable the feature.
(d) The Company uses security Cookies to authenticate Users, prevent fraudulent use of login
credentials, and protect User data from unauthorized parties
(e) We will use the information stored in the Cookies to improve Your browsing experience on the
Platform, by throwing up relevant content where possible. We will also use the Cookies to store
User preferences to ease User navigation on the Platform. The Company also stores transaction
history. The Company may collect additional information in ways not specifically described
herein. For example, the Company may track information related to interactions with customer
service or responses from surveys or other feedback tools. The Company uses this information
to continually improve the Services provided to the Users.
parties engaged by the Company. The Company does not have access or control over the
Cookies of its partners, affiliates or any third parties engaged by the Company. The Company’s
partners, affiliates or any third parties engaged by the Company may use session Cookies to
provide a custom user experience and to track the success of Company’s partnership with them.
Use of the Information
We, or third parties authorised by the Company, may use the information provided by You in the
following ways, viz:
(a) To create User Account and to support You with any services related to Your User Account;
(b) To provide You the Services through the Platform;
(c) Provide any supports services for the Services availed by You through the Platform;
(d) To update you upon the development and news with respect to Services or any other products
or related services of the Company;
(e) To collect any monies owed by You to the Company;
(f) Conduct research and analysis to detect, prevent, mitigate and investigate fraudulent or illegal
(g) Analyze how the Platform is used, diagnose service or technical problems, maintain security;
(h) To help You efficiently access the Platform and avail the Services;
(i) To improve the Platform and the Services, including updates to the Services being provided to
(j) Monitor aggregate metrics such as total number of users, traffic, and demographic patterns;
(k) To notify You regarding your User Account, to troubleshoot problems with Your User Account,
to resolve a dispute, to confirm Your identity in order to ensure that You are eligible to use the
(l) For advertising and marketing communications. The Company may also share Non-Personal
Information with third parties such as, the Company’s advertisers, sponsors, investors, business
(m) To carry out the Company’s obligations and to process transactions arising from any contracts
entered into between You and the Company;
(n) To notify You about changes on the Platform;
(o) notify You, if possible, in the event The Company becomes aware of any breach of the security
of Your information and take appropriate action to the best of the Company’s ability to remedy
such a breach;
(p) To enable the Company to comply with legal and regulatory obligations.
The Company will use and retain Your information for such periods as necessary to comply with the
Company’s legal obligations, resolve disputes, and enforce the Company’s agreements.
(g) The Company uses reasonable safeguards to protect and preserve the integrity and security of
Your information against unauthorized access, loss, theft, unauthorised, reproduction, use or
amendment, disclosure or destruction of information the Company holds. The Company
encrypts its Services using secure server software, which is the industry standard and among the
best software available today for secure transactions. The Company uses reasonable security
practices and procedures and uses secure servers as mandated under Applicable Laws for the
protection of Your information. The Company reviews its information collection, storage and
processing practices, including physical security measures to guard against unauthorized access
(h) The Company may share your Personal Information with Company’s business partners and
affiliates for the purpose of providing you Services, including but limited to the lending partners
engaged by the Company. Further, the Company limits the disclosure of Personal Information to
its employees, independent contractors including vendors, affiliates, consultants, business
associates, service providers and distributors of the Services, on a “need-to-know” basis, and
only if the disclosure will enable that entity to provide the Company with business, professional,
or technical support or fulfill Your request. However, the Company is not responsible for any
breach of security or for any actions of any third parties that receive Your Personal Information.
The Company shall not be liable for any loss or injury caused to You as a result of You providing
Your Personal Information to third party (including any third party websites) even if links to such
third party websites are provided on the Platform.
(i) As a registered user with a User Account, You are responsible for keeping Your account details
and your one-time password confidential. By submitting Your information on the Platform, You
agree to the handling of Your information by the Company in a manner as stated under this
(j) By using the Platform, You accept the inherent security implications of data transmission over
the internet and the world wide web cannot always be guaranteed as completely secure.
Therefore, Your use of the Platform will be at Your own risk.
be held responsible for any loss, damage or misuse of Your Personal Information, if such loss,
damage or misuse is attributable to a Force Majeure Event.
(l) You agree and acknowledge that the Company shall retain all information provided by You until
such time as is required by the Applicable Law or until it is required for the Company’s internal
use, whichever is later.
Information the Company Shares
(a) The Company may disclose any information provided by You on the Platform as may be deemed to be necessary or appropriate: (a) under Applicable Law, including laws outside Your country of
residence; (b) to comply with legal process; (c) to respond to requests from public and government
authorities including public and government authorities outside Your country of residence; (d) to
enforce Terms and Conditions; (e) to protect the Company’s operations or those of any of its
affiliates; (f) to protect the Company’s rights, privacy, safety or property, and/or that of its
affiliates, You or others; and (g) to allow the Company to pursue available remedies or limit the
damages that the Company may sustain.
(b) The Company may share Personal Information with other corporate entities and affiliates to help
detect and prevent identity theft, fraud and other potentially illegal acts and to prevent abuse of
the Platform or Services. The Company may disclose Personal Information to the Company’s third
party providers including but not limited to those who provide products or services such as contact
information verification, payment processing, website hosting, data analysis, infrastructure
provision, IT services, auditing services and other similar services. In such an event, the third
parties’ use of Your information will be bound, among other things, by confidentiality obligation
of the Company (for instance, on servers or databases co-located with hosting providers).
(c) The Company may be involved in the transaction of a merger, acquisition, sale of assets, business
re-organization, bankruptcy etc. During such a process, it may sell, transfer or otherwise share
some or all of its assets which may include Your information. However, in such an event of sale or
transfer, the Company shall reasonably ensure that Your information collected and stored by the
Company is stored and used by the transferee in a manner that is consistent with this Privacy
Policy. Any such third party to whom the Company transfers or sells shall have the right to continue
to use the information that You provide to the Company or collected by the Company immediately
party shall apply with respect to Your information. To stay updated about such business
transactions, please read this Policy from time to time.
(d) The Company assumes no liability for any disclosure of information due to errors in transmission,
unauthorised third party access or other acts of third parties, or acts or omissions beyond the
Company’s reasonable control and You agree that You will not hold the Company responsible for
any breach of security unless such breach has been caused as a direct result of the Company’s gross
negligence or wilful default.
(e) The Company may also collect Personal Information and information about your transactions with the Company and those You engage in with the Company’s affiliates, unaffiliated third parties,
banking verification services and information from consumer reporting agencies. The Company
may further collect information about You from third-party data sources, such as brokers, banks
and government databases. The Company may combine data the Company collects about You from
third-party data sources with data the Company collects from You and may use and share such data
(a) Company provides all its Users with the opportunity to opt-out of receiving non-essential
communications from the Company or on behalf of the Company’s partners after setting up a User
(b) If You want to remove Your contact information from the Company’s lists and newsletters, please
write to the Company at firstname.lastname@example.org with “unsubscribe” as the subject.
Any rights or remedies under this Privacy Policies 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.
Governing law and Jurisdiction
Questions and Grievances
directed to the Company’s grievance officer mentioned below:
Name: Gaurav Kumar
Email Id: email@example.com