This legal agreement is an electronic record in terms of the Indian Information Technology Act, 2000 and rules there under as applicable and the amended provisions about electronic records in various statutes as amended by the Indian Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
This legal document is published in accordance with the provisions of Rule 3 (1) of the Indian Information Technology (Intermediaries guidelines) Rules, 2011 and Rule 4 of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 of Information Technology Act, 2000 amended through Information Technology Amendment Act, 2008 that require publishing the Terms of Use and practices for access and usage of any functional Platform.
This Platform is created and operated by M/s Madhur Instalments Limited, (hereinafter referred to as “We”, “Our”, “Company” and “Us”) a Public Limited Company incorporated and registered under the provisions of the Companies Act, 2013 and operating under the brand name “FlexiPaisa” (“Brand name”). We intend to ensure your steady commitment to the usage of this Website “www.flexipaisa.com” and mobile Platform “FlexiPaisa” (hereinafter collectively referred to as “Platform”)
This Privacy Policy (“Policy”) shall apply to you who shall be the users of the Platform. To provide you with our uninterrupted use of the Platform, we may collect and, in some circumstances, disclose information about you with your permission. To ensure better protection of your privacy, we provide this notice explaining our information collection and disclosure policies, and the choices you make about the way your information is collected and used.
ANY CAPITALIZED WORDS USED HENCEFORTH SHALL HAVE THE MEANING ACCORDED TO THEM UNDER THIS AGREEMENT. FURTHER, ALL HEADING USED
HEREIN ARE ONLY FOR THE PURPOSE OF ARRANGING THE VARIOUS PROVISIONS OF THE AGREEMENT IN ANY MANNER. NEITHER THE USER NOR THE CREATORS OF THIS PRIVACY POLICY MAY USE THE HEADING TO INTERPRET THE PROVISIONS CONTAINED WITHIN IT IN ANY MANNER.
INFORMATION WE COLLECT
We are committed to respecting your privacy. We further recognize your need for appropriate protection and management of any personal information you share with us. We collect the following information:
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- User’s Information –
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- Name of the user
- Company’s name
- Date of birth
- Address
- Email id
- Mobile number
- PAN no
- Aadhaar no
- GST No (if applicable)
- CIN No (if applicable)
- Photographs
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- Information sought from the Permission.
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- Gallery
- Camera
- SMS Permission
- Location
- Phone history
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- Tracking Information such as, but not limited to the IP address of your device and Device ID when connected to the Internet. This information may include the URL that you just came from (whether this URL is on the Platform or not), which URL you next go to (whether this URL is on the Platform or not), your computer or device browser information, and other information associated with your interaction with the Platform.
This privacy policy also applies to data we collect from any users merely visiting the Platform, including, but not limited to, browsing behaviour, pages viewed etc. We also collect and store personal information provided by you from time to time on the Platform. We only collect and use such information from you that we consider necessary for achieving a seamless, efficient, and safe experience, customized to your needs including:
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- To undertake a Personal KYC and Company KYC
- To enable you to have access to the Platform.
- To communicate the necessary service-related information from time to time.
- To comply with applicable laws, rules, and regulations.
We may also use contact information internally to direct its efforts for service improvement but shall immediately delete all such information upon withdrawal of your consent for the same through the ‘unsubscribe’ button or through an email to be sent to info@flexipaisa.com .
To the extent possible, we provide you with the option of not divulging any specific information that you wish for us not to collect, store or use. you may also choose not to use a particular service or feature on the Platform and opt-out of any non-essential communications from the Platform.
OUR USE OF YOUR INFORMATION
The information provided by you shall be used to provide and improve the service for you and all users.
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- To undertake KYC
- To provide you with the access to the Platform and its objectives
- For maintaining an internal record.
- For enhancing the services provided.
- For maintaining record under the legal and statutory provisions.
For more details about the nature of such communications, please refer to our Terms of Service. Further, your data may be collected and stored by us for internal record.
We use your tracking information such as IP addresses, and or Device ID to help identify you and to gather broad demographic information and make further services available to you.
We will not sell, license, or trade your personal information. We will not share your personal information with others unless they are acting under our instructions, or we are required to do so by law.
Information collected via our server logs includes users’ IP addresses and the pages visited; this will be used to manage the web system and troubleshoot problems. We also use third-party analytics, tracking, optimization and targeting tools to understand how users engage with our Platform so that we can improve it and cater personalized content/ads according to their preferences.
HOW INFORMATION IS COLLECTED
Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
We will collect and use your personal information solely to fulfil those purposes specified by us, within the scope of the consent of the individual concerned or as required by law. We will only retain personal information as long as necessary for the fulfilment of those purposes. We will collect personal information by lawful and fair means and with the knowledge and consent of the individual concerned.
Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up to date.
YOUR RIGHTS
The General Data Protection Regulation(“GDPR”) gives certain rights to you concerning your data. As available and except as limited under applicable law, the rights afforded to users are:
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- Right of access – the right to be informed of, and request access to, the personal data we process about you;
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- Right to rectification – the right to request that we amend or update your data where it is inaccurate or incomplete;
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- Right to erasure – the right to request that we delete your data;
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- Right to restrict – the right to request that we temporarily or permanently stop processing all or some of your data;
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- Right to object – the right, at any time, to object to us processing your data on grounds relating to your situation and the right to object to your data being processed for direct marketing purposes;
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- Right to data portability – the right to request a copy of your data in electronic format and the right to transmit that personal data for use in another party’s service; and
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- Right not to be subject to automated decision-making – the right to not be subject to a decision based solely on automated decision making, including profiling, where the decision would have a legal effect on you or produce a similarly significant effect.
CONFIDENTIALITY
You further acknowledge that the Platform may contain information that is designated confidential by us and that you shall not disclose such information without our prior written consent. Your information is regarded as confidential and therefore will not be divulged to any third party, unless if legally required to do so to the appropriate authorities. We will not sell, share, or rent your personal information to any third party or use your e-mail address for unsolicited mail. Any emails sent by us will only be in connection with the provision of agreed services, and you retain sole discretion to seek for discontinuation of such communications at any point in time.
OTHER INFORMATION COLLECTORS
Except as otherwise expressly included in this Policy, this document only addresses the use and disclosure of information we collect from you. To the extent that you disclose your information to other parties, whether they are on our Platform or other sites throughout the Internet, different rules may apply to their use or disclosure of the information you disclose to them. To the extent that we use third party advertisers, they adhere to their privacy policies. Since we do not control the privacy policies of the third parties, you are subject to ask questions before you disclose your personal information to others.
OUR DISCLOSURE OF YOUR INFORMATION
Information collected will not be considered as sensitive if it is freely available and accessible in the public domain or is furnished under the Right to Information Act, 2005, any rules made thereunder or any other law for the time being in force.
Due to the existing regulatory environment, we cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Policy. By way of example (without limiting and foregoing), we may be forced to disclose information to the government, law enforcement agencies or third parties. Therefore, although we use industry-standard practices to protect your privacy, we do not promise, and you should not expect, that your personally identifiable information or private communications would always remain private. We do however assure you that any disclosure of your personally identifiable information shall be personally intimated to you through an email sent to your provided email address.
As a matter of policy, we do not sell or rent any personally identifiable information about you to any third party. However, the following describes some of the ways that your personally identifiable information may be disclosed:
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- External Service Providers: There may be several services offered by external service providers that help you use our Platform.
- Law and Order: We cooperate with law enforcement inquiries, as well as other third parties to enforce laws, such as intellectual property rights, fraud, and other rights. We can (and you authorize us to) disclose any information about you to law enforcement and other government officials as we, in our sole discretion, believe necessary or appropriate, in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose our legal liability.
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SECURITY
We treat data as an asset that must be protected against loss and unauthorized access. We employ many different security techniques to protect such data from unauthorized access by members inside and outside the Firm. We follow generally accepted industry standards to protect the Personal Information submitted to us and information that we have accessed.
However, as effective as encryption technology is, no security system is impenetrable. Our Firm cannot guarantee the security of our database, nor can we guarantee that information you provide will not be intercepted while being transmitted to the Firm over the internet.
SEVERABILITY
Each paragraph of this Policy shall be and remain separate from and independent of and severable from all and any other paragraphs herein except where otherwise expressly indicated or indicated by the context of the agreement. The decision or declaration that one or more of the paragraphs are null and void shall not affect the remaining paragraphs of this privacy policy.
AMENDMENT
Our Policy may change from time to time. The most current version of the policy will govern our use of your information and will always be on the Platform. Any amendments to this Policy shall be deemed as accepted by you on your continued use of the Platform.
CONSENT WITHDRAWAL, DATA DOWNLOAD & DATA REMOVAL REQUESTS
To withdraw your consent, or to request the download or delete your data with us for any or all our services at any time, please email info@flexipaisa.com .
CONTACT US
If you have any questions or concerns regarding this privacy policy, you should contact us by sending an e-mail to info@flexipaisa.com .
