PRIVACY POLICY
THIS PRIVACY POLICY (“PRIVACY POLICY”) SETS FORTH THE MODES OF COLLECTION, USE AND DISCLOSURE OF YOUR INFORMATION GATHERED ON THE PLATFORM. THIS PRIVACY POLICY APPLIES ONLY TO PERSONAL INFORMATION COLLECTED ON THE PLATFORM. THIS PRIVACY POLICY DOES NOT APPLY TO INFORMATION COLLECTED BY THE COMPANY IN OTHER WAYS, INCLUDING INFORMATION COLLECTED OFFLINE. PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY CONTINUING TO USE THE SERVICES, OR ACCESS THE PLATFORM YOU AGREE TO THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, YOU MAY NOT AVAIL THE SERVICES.
Access to the Platform is subject to the Terms and Conditions (“Terms”) accessible on the Platform, capitalized terms used and not defined in this Privacy Policy, shall have the same meaning ascribed to them in the Terms.
INTRODUCTION
We, Goddard Technical Solutions Private Limited (“Company”; “We”; “us”; “our”), a company registered under the Companies Act 2013, have developed a mobile application brand named as “Avail” (“Avail” / “Application”/ “App”) through which you may apply for a short term loan (“Loan”) to be granted by various non-banking financial company OR Banks (Lender), based on the loan agreement executed between you and Lender. Lender has appointed and authorized us to collect, store, authenticate, verify and distribute the Personal Information (defined below) as may be required by Lender to sanction the Loan. The Personal Information shall be collected through the mobile application form (“Mobile Application Form”) available on the Application.
We provide services only within the territory of India and to corporations and individuals in India. We do not market or intend to provide our services to individuals or entities outside the territory of India and accordingly do not use information shared by individuals or entities outside the territory of India. Accordingly, we are governed and shall comply with all data protection laws applicable in India.
We are committed to protect your privacy and have made this Privacy Policy to describe the procedures we adhere to for collecting, using, and disclosing the Personal Information. We recommend you to read this Privacy Policy carefully so that you understand our approach towards the use of your Personal Information.
GOVERNING STATUTE
This Privacy Policy is governed by and is compliant with the Information Technology( Reasonable Security Practices and Procedures and Sensitive Personal Data or Information)Rules 2011, which is designed to protect Personal Information of the End-User(s) of the Services; and other applicable rules and regulations related to privacy.
PERSONAL INFORMATION COLLECTED
In order to avail the Services, you are required to register with the Company by logging in through Third Party Platforms (defined below) (“User Account”). During the application process, you shall be required to share/upload certain personal information, your name, e-mail address, gender, date of birth, mobile number, passwords, photograph, mobile phone information including contact numbers, SMS, call logs and browsing history, data and login-in credentials of Third Party Platforms (defined below), financial information such as bank documents, salary slips, bank statements, PAN card, bank account no., data from Credit Information Companies, data required for Know Your Customer compliances, requirement and other relevant details (“Personal Information”). You undertake that you shall be solely responsible for the accuracy and truthfulness of the Personal Information you share with us.
As part of the Services, you authorize us to import your details and Personal Information dispersed over Third Party Platforms. “Third Party Platforms” are social networking platforms, such as Facebook, LinkedIn and other similar platforms.
You understand and acknowledge that the Company reserves the right to track your location (“Track”) during the provision of the Services, and also in the event that you stop, cease, discontinue to use or avail the Services, through the deletion or uninstallation of the Mobile App or otherwise, till the event that your obligations to pay the Outstanding Amount(s) to LENDER, exist. Deletion, uninstallation, and/or discontinuation of our Services, shall not release you from the responsibility, obligation and liability to repay the Outstanding Amount(s). Specifically, we collect the following types of information:
INFORMATION WE COLLECT FROM YOU/YOUR DEVICE
INFORMATION WE COLLECT FROM OTHER SOURCES
We also collect information about you from third parties, including third-party verification services, credit bureaus and publicly available sources. In some circumstances, where lawful, this information may include your government-issued identification number. This includes, without limitation, the receipt and exchange of account or credit-related information with any credit reporting agency or credit bureau, where lawful, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment and personal reporting agencies.
USE OF PERSONAL INFORMATION
We shall use the Personal Information in the following cases: (i) to provide you with the Services and to assist you in the event you need additional support; (ii) to access your credit worthiness (iii) to more effectively provide Services to you; (iv) to improve the Services; (v) to maintain and manage your User Account; (vi) to assist you with technical difficulties that may arise in relation to your use and access of the Platform; (vii) to manage our relationship with you; (viii) for internal analytics purpose. (ix) to comply with our legal or statutory obligations; (x) to contact you about important announcements and other important information about your User Account, the Platform and the Services. In addition, some other uses of your personal information are as per below:
DISCLOSURES
We do not sell, rent, lease your Personal Information to anybody and will never do so. Keeping this in mind, we may disclose your Personal Information in the following cases:
DATA RETENTION
We will retain your Personal Information for as long as your registration with us is valid and the Outstanding Amount(s) is due and payable to LENDER. We may also retain and use your Personal Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Subject to this section, we will try to delete your Personal Information upon reasonable written request for the same. Please note, however, that there might be latency in deleting Personal Information from our servers and backed-up versions might exist even after deletion.
SECURITY
We value your Personal Information, and protect it on the Platform against loss, misuse or alteration by taking extensive security measures. In order to protect your Personal Information, we have implemented adequate technology and will update these measures as new technology becomes available, as appropriate. All Personal Information is securely stored on a secure cloud setup and all communication happens via bank-grade secure SSL communication channels. The Personal Information is stored on Google cloud. Although we provide appropriate firewalls and protections, we cannot warrant the security of any Personal Information transmitted as our systems are not hack proof. Data pilferage due to unauthorized hacking, virus attacks, technical issues is possible and we take no liabilities or responsibilities for it.
You are responsible for all actions that take place under your User Account. If you choose to share your User Account details and password or any Personal Information with third parties, you are solely responsible for the same. If you lose control of your User Account, you may lose substantial control over your Personal Information and may be subject to legally binding actions.
ACCESSING AND MODIFYING PERSONAL INFORMATION
In case you need to access, review, and/or make changes to the Personal Information, you shall have to login to your User Account and change the requisite details. You shall keep your Personal Information updated to help us better serve you.
ANCILLARY SERVICES
We may provide you with certain ancillary services such as chat rooms, blogs and reviews for the Services. Subject to any applicable laws, any communication shared by you via the Platform or through the blogs, reviews or otherwise to us (including without limitation contents, images, audio, financial information, feedback etc. collectively “Feedback”) is on a non-confidential basis, and we are under no obligation to refrain from reproducing, publishing or otherwise using it in any way or for any purpose. You shall be responsible for the content and information contained in any Feedback shared by you through the Platform or otherwise to us, including without limitation for its truthfulness and accuracy. Sharing your Feedback with us, constitutes an assignment to us of all worldwide rights, titles and interests in all copyrights and other intellectual property rights in the Feedback and you authorize us to use the Feedback for any purpose, which we may deem fit.
DATA PROTECTION
We have up-to-date physical security, such as secure areas in offices; electronic safeguards, such as passwords, firewalls, and encryption; and procedural safeguards to prevent ID theft. We may use cloud services such as AWS or GCP to store your personal data.
Information you and our Partners provide and receive during the Services is transmitted through a secure sockets layer (SSL) transmission. We carefully select and monitor Partners, who have access to Personal Information, and we have specific provisions in our contracts requiring them to keep it safe and secure. We do not allow them to use or share the information for any purpose other than provide the Services to you.
We restrict access to your Personal information only to those employees who are required to know such information in order provide our Services to you. We train our employees on all our security procedures, and we conduct audits to check compliance.
You must also ensure the security of your information such as keeping passwords secret and not permitting unauthorized use of your account.
No security measures can provide absolute protection of data, but we will strive to protect your information.
If you choose to use our blog or our Social Network pages (Facebook Fan page, Twitter, Linkedin, Google Play Store, Apple ITunes store etc), any information you submit can be read, collected, or used by other users of these sites. We are not responsible for the subsequent use of information, which you have submitted to the foregoing sites, by its other users.
COMMUNICATIONS FROM THE PLATFORM
INDEMNIFICATION
You agree to indemnify us, our subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees and hold us harmless from and against any claims and demand, including reasonable attorneys’ fees, made by any third party arising out of or relating to: (i) Personal Information and contents that you submit or share through the Platform; (ii) your violation of this Privacy Policy, (iii) or your violation of rights of another Customer(s).
LIMITATIONS OF LIABILITY
You expressly understand and agree that the Company shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, information, details or other intangible losses (even if the Company has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Services; (ii) unauthorized access to or alteration of your Personal Information.
GOVERNING LAWS AND DUTIES
This Agreement shall be construed and governed by the laws of India and courts of law at Bengaluru shall have exclusive jurisdiction over such disputes without regard to principles of conflict of laws.
CHANGES TO THIS POLICY
We may update this Privacy Policy without notice to you. You are encouraged to check this Privacy Policy on a regular basis to be aware of the changes made to it. Continued use of the Services and access to the Platform shall be deemed to be your acceptance of this Privacy Policy.
This Privacy Policy was last modified on July 12, 2018.
CONTACT US
If you have questions, concerns or grievances regarding this Privacy Policy, you can email us at our grievance email-address: care@availfinance.in