Sensitive Personal Data / Information: We collect
Sensitive Personal Data / Information that you provide to
us, such as your name, mailing address, phone number, email
address, pan number, tan number, income tax returns, bank
account number, passport details, driving license details,
salary slips, aadhar details, personal statements, reasons
for seeking finance, income sources and financial
information.
Non-Personal Information: We also collect
non-personal information from you, such as mobile handset
details, android version, apps installed on the mobile phone
your browser type, the URL of the previous website you
visited, your ISP, operating system, and your Internet
protocol (IP) Address ("Non-Personal Information").
Non-Personal Information cannot be easily used to personally
identify you.
Providing Information to Us: We collect Sensitive
/Personal Data / Information from you when you provide it to
us. For example, if you purchase a product or services, or
make an application for seeking a grant of loan from a
borrower, we may collect your name, mailing address,
telephone number, pan number, tan number, income tax
returns, bank account number, passport details, driving
license details, personal statements, reasons for seeking
finance, income sources and email address. If you create a
either a Lender Account or a Borrower Account, we may
collect your name, mailing address, email address, pan
number, income tax returns, bank account number, passport
details, driving license details, salary slips, aadhar
details, personal statements, reasons for seeking finance,
income sources and other information that we request during
the registration process, and any information that you
provide on Avail Finance. Communications With Us: If you
communicate with us regarding the Website or the Android app
or Avail Finance, we will collect any information that you
provide to us in any such communication.
Analytic and Reporting Technologies: Like the
operators of most websites and apps, we use analytic and
reporting technologies to record Non-Personal Information
such as Internet domain and host names, Internet protocol
(IP) addresses, browser software, operating system types,
clickstream patterns, and the dates and times that the
Website, the Android app and Avail Finance are accessed. We
also contract with several online partners to help manage,
monitor and optimize our Website, our Android app and Avail
Finance services and to help us measure the effectiveness of
our advertising, communications and how visitors use the
Website. To do this, we may use web beacons and cookies.
Personal Information: We use Personal Information
primarily for our own internal purposes, such as providing,
maintaining, evaluating, and improving the Website and the
Android app, fulfilling requests for information, and
providing customer support. Your personal information shall
also be shared with the other members of this website and
the android app. Upon acceptance of these terms and
conditions, you hereby grant an unequivocal and absolute
consent to share your personal information (but not your
Sensitive Personal Data / Information) with third parties.
Avail Finance is not required to seek your consent once
again in respect of sharing your personal information with
third parties. We would further share your information with
marketing agencies and other businesses if we in our sole
discretion understand that your information may be used to
market a product or service. The term Personal Information
shall include your name, address, e-mail id and mobile phone
number but it shall not include any data in relation to your
financial status, income statements, earnings, source of
earnings, personal identification numbers, passwords, code
numbers, bank account numbers, expiry dates relationship
numbers, CVV numbers, encryptions, cookies and other such
electronic details.
Non-Personal Information: We use Non-Personal
Information to track the use of the Website, the android app
and Avail Finance services and for other internal purposes,
such as providing, maintaining, evaluating, and improving
Avail Finance services, the android app and the Website.
Disclosure to Successors: We may disclose your
Personal Information to any successor-in-interest of ours,
such as a company that acquires us. In the event Avail
Finance goes through a business transition, such as a merger
or acquisition by or with another company, or sale of all or
a portion of our assets, your Personal Information will
likely be among the assets transferred. You will be notified
via email or by a notice on our Website or on our android
app of any such change in ownership or control of your
Personal Information.
Disclosure to Unaffiliated Third Parties: We shall
keep your personal information and Sensitive Personal Data /
Information private and confidential. We may disclose your
Personal Information and/or Sensitive Personal Data /
Information to prevent an emergency, to respond to legal
requirements, to protect or enforce our rights and policies,
to protect or enforce the rights of a third party, or as
required or permitted by law (including, without limitation,
to comply with a summon or court order).
Disclosure to Third Party Service Providers and Online
Partners: We may contract with various third parties who help us
provide, maintain and improve the Website, the Android app
and the Avail Finance services. For example, we use a third
party to process payments made to us, and may subcontract
production, fulfillment, analytics, reporting or other
operations. We also contract with several online partners to
help manage, monitor and optimize our Website, our android
app and the Avail Finance services and to help us measure
the effectiveness of our advertising, communications and how
visitors use the Website and the android app. We will use
commercially reasonable efforts to prevent such third
parties from disclosing your Personal Information, except
for the purpose of providing Services in question. We cannot
guarantee that such third parties will not disclose your
Personal Information. In no circumstances, Avail Finance
shall disclose data in relation to your financial status,
income statements, earnings, source of earnings, personal
identification numbers, passwords, code numbers, bank
account numbers, credit card numbers, expiry dates
relationship numbers, CVV numbers, encryptions, cookies and
other such electronic details.
Disclosure of Non-Personal Information: We will
disclose Non-Personal Information, in aggregate form, to
potential strategic partners, advertisers, investors,
customers, and others. You may opt-out of the sharing of
this information by mailing the grievance redressal officer.
However, it cannot be easily used to identify you
personally.
Internet Advertising: We may use third party service
providers to serve ads on our behalf across the Internet and
sometimes on the Website. They may collect anonymous
information about your visits to our Website, our android
app and your interaction with our products and services.
They may also use information about your visits to this and
other websites to target advertisements for goods and
services. This anonymous information is collected through
the use of a web beacon, which is industry standard
technology used by most major websites.
Disclosure to Credit Rating Agencies & Reserve Bank of
India: To make an improvement in its business Avail Finance may
share the personal information of a user with Credit Rating
Agencies and the information shall be shared with Credit
Rating Agencies in the event, Reserve Bank of India issues
guidelines or direction in this regard.
A cookie is a small file placed on the hard drive of your
computer. Most websites use cookies. We use cookies to track
your use of the Website and Avail Finance, provide you with
a more personalized user experience, and to allow you to
login and begin use of Avail Finance Services automatically
when you visit the Website.
A web beacon is an often-transparent graphic image, usually
no larger than a 1x1 pixel that is placed on a web page or
in an e-mail that is used to monitor the behavior of the
user visiting the Website or receiving the e-mail.
Cookies and web beacons used by Avail Finance and our online
partners are not linked to Personal Information. This
Privacy Policy covers the use of cookies and web beacons by
Avail Finance and does not cover the use of cookies or web
beacons by any other third party, or advertiser.
Personal Information: Whenever we obtain your
Personal Information, we use commercially reasonable efforts
to protect it from unauthorized access or disclosure.
However, we are not insurers of the security of your
Personal Information. Accordingly, we assume no liability
for any disclosure of data due to errors in transmission,
unauthorized third party access or other acts of third
parties, or acts or omissions beyond our reasonable
control.
Website Content: The content that you store, post, or
transmit on or through the Website, such as message board
postings, storefront pages, and images on your Products, may
be accessed by other users, including people that you do not
know. We are not responsible for the actions of others.
Therefore, you should use care in communicating with other
users and only disclose your Personal Information to other
users that you know to be trustworthy. You should not assume
that your content will be kept private.
You can obtain a copy of and request that we correct errors
in your Personal Information by emailing us at
help@availfinance.in. You may mark the mail to grievance
officer at grievance@availfinance.in.
For your protection, you will be required to provide proof
of your identity to obtain a copy of your Personal
Information. If your Personal Information changes or if you
no longer want to use the Avail Finance services, you may
correct, update or deactivate your Personal Information
and/or your account through the account management screen.
If you would like to deactivate or terminate your account
you can also contact us at help@availfinance.in.
Tell-A-Friend If you choose to use our referral
service to tell a friend about the Website, the android app
or Avail Finance Services, we will ask you for your friend's
name and email address. We will automatically send your
friend a one-time email inviting him or her to visit the
Website or install the android app. We store this
information for the sole purpose of sending this one-time
email and tracking the success of our referral program.
Security The security of your Personal Information is
important to us. When you enter sensitive information on our
registration or forms, we encrypt that information using
secure socket layer technology (SSL). We follow generally
accepted industry standards to protect the Personal
Information submitted to us, both during transmission and
once we receive it. However, no method of transmission over
the Internet, or method of electronic storage, is 100%
secure. Therefore, while we strive to use commercially
acceptable means to protect your Personal Information, we
cannot guarantee its absolute security.
Internet-based Transfers Given that the Internet is a
global environment, using the Internet to collect and
process Personal Information necessarily involves the
transmission of data on an international basis. By providing
Avail Finance with your Personal Information you acknowledge
and agree that we may store your Personal Information and
transfer it to and from our servers. We endeavor to protect
all Personal Information collected through the Website and
the android app in a safe, confidential and secure manner.
You may be able to access third party websites directly from the Website. This Privacy Policy does not apply when you access third party websites. We cannot control how third parties may use Personal Information you disclose to them, so you should carefully review the privacy policy of any third party website you visit before using it or disclosing your Personal Information to its provider.
The Avail Finance Services are intended for users ages 21 and older only. Accordingly, we will not knowingly collect or use any Personal Information from individuals that we know to be under the age of 21. In addition, we will delete any information in our database that we know originates from an Individual under the age of 21.
We provide you the opportunity to opt-out of having your
Personal Information used for certain purposes. If you no
longer wish to receive our newsletters and promotional
communications, you may opt-out of receiving them by
following the instructions included in each newsletter or
communication or by emailing us at help@availfinance.in. We
also offer you an opportunity to opt-out of certain
communications through the account management screen. If you
need assistance you may contact us at
help@availfinance.in
If we choose to disclose your Personal Information to a
third party in a manner that is not set forth in this
Privacy Policy you will be notified so that you can make an
informed choice about sharing your Personal Information with
that third party.
Copyright © 2018 AVAIL Finance
Avail - Your friend in need