We may collect the following personal information, including but not limited to the following:

1. information about your computer including your IP address, geographical location, browser type and version, and operating system;

2. information about your visits to and use of this website including the referral source, length of visit, page views, and website navigation paths;

3. information, such as your email address, that you enter when you register with our website, to set up subscriptions to our emails, etc.

4. information such as your identity proofs, if required and submitted to site for legal or website purpose from time to time.

5. information that you enter when you apply for job under careers tab on our website for example, your name, profile pictures, gender, educational details, institute details, employment details etc.;

6. information that you enter while using the services on our website;

7. information that is generated while using our website, including when, how often, and under what circumstances you use it;

8. information relating to anything you purchase, services you use, or transactions you make through our website, which includes your name, address, telephone number, email address, and credit card details;

9. information contained in any communications that you send to us by email or through our website, including its communication content, metadata and hashed data;

10. Any other personal information that you send to us.

Any of your information that has been availed from any third party, basis on this consent, shall be used only in accordance with specific internal procedures as well as the statutory stipulations and safeguards governing access, in order to operate, develop or improve the service. Before you disclose to us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with this policy.

The company and its partners collect and use your personal information and other information only as follows ("The purpose"):

1. To send you any administrative notices, offer alerts and other Transactional Communications relevant to your use of the Service;

2. To enable you to apply for certain products and services for which you have chosen to apply;

3. For market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;

4. To third-party contractors that provide services to the company and are bound by these same privacy restrictions & confidentiality obligations;

5. To enforce terms & conditions of Ethics Fintech Private Limited;

6. To use data in connection with legal claims, compliance, regulatory and investigative purposes as necessary (including disclosure of such information in connection with legal process or litigation).;

7. To analyze usage of the site and to improve the Service/s and security;

8. To otherwise as set forth in this Privacy Policy.

As a policy we do not disclose any personal information to anyone other than those to our employees, officers, professional advisors', third party contractors, third party service providers as reasonably necessary for the purposes set out in this policy.

We may disclose your personal information to any member of our group of companies as reasonably necessary for the purposes set out in this policy.

There are several products and services that may be offered by third parties on our Site, such as bank statements, CIBIL Score, tax, PMBI etc. (collectively, "Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies and they will be acting as data controllers of your information. You should evaluate the practices of these external services providers and should view their privacy policies or contact them directly for further information before deciding to use their services. The company is not responsible for their privacy practices.

Personal data may also be shared with third party service providers, who will process it on behalf of the Company for the purposes identified above these include:

1. Payment collection services providers

2. Identity verification agencies

3. Fraud prevention agencies

4. Credit rating agencies

5. Digital marketing and content delivery agencies

6. GST Portal

7. Bank statement analysing agencies

8. Application service provider

For the purposes of Data Protection Law, the Company is a data controller of your personal data. You can get in touch with the Company by using the contact details mentioned in the contact us page.

Notwithstanding the foregoing, the company reserves the right (and you authorize the company) to share or disclose your personal information when the company determines, in its sole discretion, that the disclosure of such information is necessary or appropriate as required by law, it is necessary to share such date to protect our rights and/or your safety and/or safety of others, investigation fraud, for any ongoing legal proceedings. In the event that the business is sold or merged or integrated with another business/investor, your details will be disclosed to our advisers and any prospective purchaser's adviser and will be passed to the new owners/investors of and/or in the business.

1. We will take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of your personal information.  We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it.

2. We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect the accounts and systems from unauthorized access.

3. All electronic financial transactions entered into through our website will be protected by encryption technology.

4. Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us.

5. You acknowledge that no method of transmission over the Internet, or method of electronic storage, is 100% secure, however, therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us on the email provided in contact us segment on our website.

Presently the platform is operational only within the territory of India. However, Information that we collect may be stored, processed in, and transferred between any of the countries in which we may operate in the future in order to enable us to use the information in accordance with this policy. You expressly agree to the transfers of personal information described in this Section. We hereby declare that the data localization is not practiced as the platform is independent of territories.

From time to time we may request more personal information in order to provide you with other benefits of the Service. The company may aggregate personal information and disclose such data in a manner to:

1. Third parties for their marketing and promotional purposes for instance, number of retailed stores who applied for the loan, etc.

2. Users of the Service for the purpose of comparing their financial situation relative to the broader community.

3. Such information may not identify you individually. We may also use third party service providers to help us provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your personal information for purposes unrelated to the product or service they're providing.

We may retain your Personal Data for a period of time consistent with the purpose of collection. We determine the appropriate retention period for Personal Data on the basis of the amount, nature, and sensitivity of your Personal Data, the potential risk of harm from unauthorized use or disclosure, and whether we can achieve the purposes of the processing through other means, as well as the applicable legal requirements (such as applicable statutes of limitation). If there is any information that we are unable, for technical reasons, to delete entirely from our systems post appropriate retention period, we will put in place appropriate measures to prevent any further use of the data.

If your personal Information provided when you applied for a product on platform, changes, you may update it whenever you apply for a new product. To review and update your personal information to ensure it is accurate while your application is in process, contact us on the email provided on the website.

We will retain your information for as long as your account is active or as needed to provide you services or as may be required for internal analysis purpose or as may be required by law, whichever is later. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at email provided in contact us section of website. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

As is true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you, to improve marketing, analytics, or site functionality

We may partner with a third party to either display advertising on our platform or to manage our advertising on other sites. Our third-party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. There are a number of products and services that may be offered by third parties on our Site, (collectively, "Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies and they will be acting as data controllers of your information. You should evaluate the practices of these external services providers and should view their privacy policies or contact them directly for further information before deciding to use their services. The Company is not responsible for their privacy practices.

Our Site includes links to other Web sites whose privacy practices may differ from those of the company. If you submit personal information to any of those sites, your information is governed by their privacy policies and they will be acting as data controllers of your information. We encourage you to carefully read the privacy policy of any Web site you visit.

We provide our registered customers with periodic emailers and email/SMS alerts. We also allow users to unsubscribe to email newsletters and from time to time may transmit emails promoting the company or third-party goods or services. The company's subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts.

You shall not disclose to any other person, in any manner whatsoever, any information relating to the Company of a confidential nature obtained in the course of availing the services through the website of the Company. Failure to comply with this obligation shall be deemed a serious breach of the terms herein and shall entitle the Company to any damages, to which you may be entitled otherwise. If you have any complaints, security related concern, please contact nodal officer at the email mentioned on contact us segment on our website. We will work closely with you to ensure going a rapid and personal response to your concerns.