This document (Hereinafter referred to as “Privacy Policy”) is an electronic record in terms of existing and applicable the Information Technology laws its allied rules, regulations, directions and guidelines, including the amended provisions thereto pertaining to electronic records in various allied statutes as amended pursuant to the Information Technology Act, 2000 (“IT Act”). This electronic record has been generated by a computer system and does not require any authentication.
1. PRELIMINARY INFORMATION:
www.financedoctors.in, a website of Finance Doctor, a Proprietorship Firm, having its registered office at 162, Shri Ram Nagar-B, Jhotwara, Jaipur, Rajasthan-302012.
The term “User”, “Client”, or “You” or any other variant of the said pronoun shall refer to the user who is browsing this Site.
I) The term “Entity” shall refer to the concerned Entity Finance Doctor.
II) The term “Site” or “Website” refers to www.financedoctors.in and shall include other websites if any owned and monitored by the Entity.
III) The term “Information” or “Personal Information” provided by the User shall include any personal information or data, sensitive personal data or any other information so supplied by the User, in accordance with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data) Rules, 2011.
Your use of the Website is subject to the terms of a legal agreement between you and the Entity.
The following terms and conditions will be deemed to have been accepted by the User, on mere visitation / usage of the Website and hence the User is required to read them carefully before using the services on the Website.
WHEREAS:
I) Through the Website, the Entity enables the Users of the Website to avail services pertaining to inter alia loans, mortgage, financing and financial instruments such as personal loans, home loans, unsecured business loans, and loans against property and other allied matters related to or connected therewith.
II) In its efforts to ensure that its services as abovementioned are properly delivered to and utilized by its Users, the Website will automatically receive and collect certain anonymous information in standard usage logs through its webserver, including computer-identification information obtained from “Cookies,” sent to the User’s browser from either:
a. Web-server Cookie stored on the User’s hard drive.
b. An IP address assigned to the User’s computer.
c. The domain server through which the user accesses the Website.
d. The make and type of the computer being used by the User to access the Website.
e. The type of the web-browser that the User uses to access the Website.
III) The Personal Information collected from the User while accessing the Website, as mentioned in the preceding paragraph, shall include:
a. Name (including the first and last name) of the User.
b. Email address of the User.
c. Contact details (including the mobile phone number) of the User.
d. City and State of the User’s location.
e. The User’s preference in so far as the loan services offered by the Website are concerned including inter alia preferences pertaining to housing loans, personal loans, loans against property, business loans and the like.
f. Loan Amount as per requirement of user.
2. REASONABLE SECURITY PRACTICES AND PROCEDURES
The Entity has in place, reasonable measures to protect and safeguard the information provided by the User on its interface in accordance with the Information Technology Act, 2000 and its allied Rules and Regulations. However, the User indemnifies the Entity from any kind of liability in case of any loss of data / information belonging to the User, resulting from an event, which could not have been prevented by the exercise of prudence on the part of the Entity.
3. THE ENTITYS PRINCIPLES TO PROTECT PRIVACY
In order to protect your privacy, the Entity has adopted the following principles:
(I) SECURITY
Your account information is password protected for your privacy and security.
Wherever your Personal Information may be held within the Entity, the Entity intends to take reasonable steps to protect it from unauthorized access or disclosure. The Entity is committed to protecting the security of your personal information. The Entity uses a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. The Entity stores the personal information you provide on computer systems located in controlled facilities with limited access.
(II) CHOICE
You may choose whether / not to provide your Personal Information to the Entity. If you choose not to provide the Personal Information the Entity requests, you may still visit the Website, but you may be unable to access certain options, offers, and services that involve the Entity’s interaction with you. If you choose to have a relationship with the Entity, such as a contractual or other business relationship, the Entity will naturally continue to contact you in connection with that business relationship. We might receive information about you from other sources and add it to our account information. We neither collect nor store your biometric information.
(III) NOTICE
Where the Entity collects Information on the Website, the Entity intends to do so for a legitimate purpose and the same purpose may be asked by you from the persons mentioned in the contact tab. Unless the transfer of Information is legally required, the Entity does not intend to transfer any Personal Information without your permission to third parties who are not bound to act on the Entity’s behalf.
(IV) ACCESS/ACCURACY
To the extent that you do provide the Entity with Personal Information, the Entity wishes to maintain accurate, true and complete Personal Information. Where the Entity collects personal information from you on the Website, its aim is to provide a means of contacting the Entity should you need to update or correct that information. If for any reason those means are unavailable or inaccessible, you may send updates and corrections about your Personal Information to financedoctorindia@gmail.com as applicable, and the Entity will make reasonable efforts to incorporate the changes.
4. YOUR CONSENT
By using this Website, you consent to the terms of the Entity’s Privacy Policy and terms of use of the Website and to the Entity’s processing of your Information for the purposes given above. There are times, however, when the Entity may need to contact you via emails, or through phone calls or SMS, and offer you their services for the product that you have opted for, or for imparting product knowledge, or to inform you about promotional offers running on the Website and/or offers offered by the associated third parties, for which reasons, as well as web aggregation, Personal Information may be collected as detailed above.
Notwithstanding the fact that you have registered yourself under any DND/DNC or NCPR service, you still authorize the Entity and its subsidiaries/affiliates to call you for the abovementioned purposes.
It is made clear that the Entity shall not be liable in any manner, for any defects or adverse consequences that may arise as a result of limited, incomplete, inaccurate or false Information provided by you.
5. SHARING AND STORAGE OF USERS PERSONAL DATA
Any Personal Data that Entity have access to shall never be shared without user consent and without disclosing the purpose behind the same. In various processes / submission of applications / availment of product / service offerings, Entity even seek user explicit consent to use / share user’s Personal Data In Entity’s business and operational processes, Entity only share the data on a partial and “need-to- know” basis to designated personnel or partners or service providers/third parties. The details of our partners/ service providers/third parties with whom we may share user’s Personal Data on a partial and “need-to-know” basis is enclosed herewith vide
Schedule-1. The Entity may process, store and retain user’s Personal Data on Entity’s servers where the data centres are located, and/or on the servers of third parties having contractual relationships with us. All Sensitive Personal Data is stored in India. Entity will retain user’s data for the period that you continue to be it’s customer and for such period as required to comply with any obligation under any law for the time being in force.
Entity will share user’s data with competent / legal / statutory / regulatory agencies / authorities or partners / service providers acting on our behalf (as the case may be) in following cases:
1. For enabling the provision of the products / services availed by user, strictly on a “need to know” basis and subject to applicable laws.
2. Where it is directed or required by legal / regulatory / statutory / governmental authorities / judiciary under any applicable laws / regulations or judicial pronouncement though a legally obligated request.
3. Where it is required by financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws / regulations. When user avail our products/services, Entity may collect and store information about user to process his requests and automatically complete forms for future transactions, including (but not limited to) user’s phone number, address, email. Such sharing shall be in accordance with user’s instructions and subject to appropriate confidentiality and security requirements.
6. THE ENTITY’S DISCLOSURE OF YOUR INFORMATION
The Entity will not use or rent your financial information for any purpose other than to complete a transaction with you. The Entity shall however, collect sensitive personal data or Information for the following purposes:
(a) for a lawful purpose connected with a function or activity of the body corporate or any person on its behalf in relation or arising in connection with the services/products provided by the Entity; and
(b) for the collection of the sensitive personal data or information which is considered necessary for that purpose.
The Entity requires your information inter alia for the purpose of:
(a) Getting in touch with you, whenever necessary.
(b) Providing you with the products and services that you have specifically requested for.
(c) Preserving social history, as governed by existing law and policy.
(d) Intra business interactions among various subsidiaries/affiliates of the Entity.
(e) Investigating violations of the Website’s terms of use or to defend against legal claims.
(f) Assist us or our business partners in facilitating and delivering services to you, process payments and your applications, communicate with you about products, services and promotional offers;
(g) Sending you information about special promotions or offers. We might also tell you about new features or products/services. These might be our own offers or products/services, or third-party offers or products/services with whom Entity has tie up.
(h) For generating your cibil report upon your consent;
(i) File storage permissions on android/iOS and Website for uploading customer documents are obtained for the purpose of processing customer applications by our Partners The Entity shall use the Information so collected internally to inter alia:
(a) Direct its efforts towards product development and improvement.
(b) Contact you as a survey respondent.
(c) Send you promotional materials from our contest sponsors and/or advertisers.
The Entity shall comply with all the reasonable security practices and procedures for keeping the information of the User secure.
Without prejudice to the stipulations contained hereinabove, given the Entity’s legal responsibilities to legal authorities and regulators, there may be situations when the Entity needs to share your information with legal authorities or processes or need to protect the Entity’s rights or comply with terms and conditions in this regard. Without prejudice to the stipulations contained hereinabove, given, the Entity shall also be entitled to disclose your information which you may have either expressly or impliedly authorized the Entity to disclose to third parties. Your information will be shared with third parties when:
(a) The Entity needs to share your information to provide you with the product or service that you have requested through third parties; or
(b) The Entity has your consent to share the Information;
(c) The Entity needs to share your information with certain service partners in order to respond to your queries / comments or to resolve service issues and to serve you better.
Without prejudice to the generality of the foregoing, a Consent Letter, authorizing the Entity to disclose your information to third parties, shall tantamount to express authorization and consent by you.
7. AFFILIATED/CONNECTED SITES –
The Entity offers some of the services in connection with other websites. Information that you provide to those sites may be sent to the Entity in order to deliver the said services. The Entity processes such information in accordance with, inter alia, this Privacy Policy. If the affiliated websites have different privacy practices, then the user shall comply with their privacy policies also.
8. COOKIES:
The cookies installed by the Entity shall be exclusively for the purpose of retrieving Information from you which pertain to be useful for the purposes of improving the online experience of the Client. Cookies shall have limited scope, either for the purpose of person enrolment/registration for imparting services, or for the provision of information pertaining to loans, mortgage, financing and financial instruments such as personal loans, home loans, unsecured business loans, and loans against property and other allied matters related to or connected therewith.
9. CHANGES IN PRIVACY POLICY
Please note that this Privacy Policy may change from time to time. The Entity reserve its right to change, modify or update this Privacy Policy at any time without notice. The Entity shall not reduce your rights under this Policy without explicit consent and expects most such changes to be minor. Regardless, the Entity will post any Policy changes on this page and, if the changes are significant, we will provide a more prominent notice. Each version of this Policy will be identified at the top of the page by its effective date. If you have any questions or concerns about this Policy, please feel free to contact us any time at the contact details provided on this Website.
10. DATA PRIVACY
If you have any questions about the Entity’s Privacy Policy disclosure of your Information or data privacy, please e-mail us at financedoctorindia@gmail.com.
11. GRIEVANCE REDRESSAL
The User may contact Entity on any aspect of this policy or for any discrepancies / grievances with respect to user Personal Data, by writing to our Grievance Officer as per the details provided below:
12. MISCELLANEOUS
The Users may review the Information, to ensure that any Information provided by the User found to be inaccurate or deficient may be corrected or amended, as feasible.
The Entity shall not be responsible for the authenticity of the information supplied by the provider of information to the Entity or to such other person acting on behalf of the Entity.
The User consents that the Entity may transfer the Information to any other body corporate or a person in India, or located in any other country, that ensures the same level of data protection that is adhered to by the Entity, in accordance with the Information Technology Act, 2000 and its applicable Rules and Regulations. The Entity will retain and use your Information as necessary to comply with our legal obligations, resolve disputes and enforce the agreements entered into for providing the services offered by the Entity, and more particularly described in the T&Cs and terms of Use of the Website.
IN CASE OF ANY QUERIES/GRIEVANCES WITH RESPECT TO SERVICES, PLEASE REACH US AT financedoctorindia@gmail.com.
