Privacy policy
PRIVACY POLICY
This Portal: https://ethicsfintech.com/ (hereinafter referred to as "Website” and/or “Platform”) is developed, operated and maintained by: Ethics Fintech Private Limited ("The Company"), a company, having office at: A - 2102/2103, 21st Floor, Privilon Building, Iscon Cross Road, Ahmedabad, Gujarat - 380054. In this Privacy Policy, "we", "our" and "us" means “the company" and/or “Ethics Fintech Private Limited”; "you" and "your" means any person who accesses and uses this Platform; This Privacy Policy covers this Platform’s treatment of personally identifiable information (“PII”) as defined under applicable data protection law of Digital Personal Data Protection Act, 2023 that the Company collects when you visits this platform and afterwards, and when you use this platform’s services. This policy does not apply to the practices of companies that the company does not own or control or to people that the company does not employ or manage.
IN BRIEF
Protecting your privacy is at the highest importance for the Company, and we are committed to safeguarding it. Please read the following policy to understand the information we collect, how we will use or process that information and the circumstances where we will share it with third parties. This policy should be read together with our Terms & Condition. If you use any of our Services, you will be regarded as having read and accepted this Policy. You must not use this platform or our Services if you do not accept this Policy. Where any consents are required under applicable law, such consent shall be obtained in a free, absolute, and informed manner. By mere use of this platform, you expressly consent to our use and disclosure of your personal information in accordance with this Policy. Your consent to use the cookies in accordance with the terms of this policy when you first visit our website permits us to use cookies every time you visit our website. Further, your consent shall enable our browser extension feature to enable us to store your last visits, conduct data analytics etc. This Privacy Policy covers this Platform’s treatment of personally identifiable information that the company collects when you are on this platform and afterwards, and when you use this platform’s services. This policy also covers the company’s treatment of any personally identifiable information (“PII”) that users share and/or the PII which the company may fetch/collect from various service providers with whom the company has integrated its systems to provide the necessary services to you. This policy does not apply to the practices of companies that the company does not own or control or to people that the company does not employ or manage.
This Privacy Policy has been updated to comply with the provisions of the Digital Personal Data Protection (DPDP) Act, 2023, ensuring transparency, data security, and protection of individual rights. We have taken measures to align with the DPDP Act’s principles, including data minimization, purpose limitation, and consent management.COLLECTION OF AND PROCESSING OF YOUR PERSONAL DATA
The use of this platform may result in the collection and processing of your personal data. The term “personal data” under data protection law refers to all information relating to a specific or personally identifiable person (PII). When you use the platform, we collect data that you provide yourself. In addition, when you use the platform, we also automatically collect certain information about your use of it. We process personal data in compliance with the applicable data protection regulations. We will only process data where we are legally permitted to do so and you have provided consent or if the processing is necessary for the purposes of our legitimate interests or the legitimate interests of a third party, except where such interests are overridden by your interests or fundamental rights and freedom which require the protection of personal data.
COLLECTING PERSONAL INFORMATION
We may collect the following personal information, including but not limited to the following:
- information about your computer including your IP address, geographical location, browser type and version, and operating system;
- information about your visits to and use of this website including the referral source, length of visit, page views, and website navigation paths;
- information, such as your email address, that you enter when you register with our website, to set up subscriptions to our emails, etc.
- information such as your identity proofs, KYC documents (including PAN, Aadhaar or other officially valid documents), if required and submitted to site for legal or website purpose from time to time.
- information that you enter when you apply for job under careers tab on our website for example, your name, profile pictures, addresses, mail ids, phone numbers, gender, educational details, institute details, employment details etc.; 6. information that you enter while using the services on our website;
- information that is generated while using our website, including when, how often, and under what circumstances you use it;
- 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 or any other information which is required for loan facilitation;
- information contained in any communications that you send to us by email or through our website, including its communication content, metadata and hashed data;
- Any other personal information that you send to us. Any of your information that has been availed from any third party or Banks, financial institutes, or Credit Bureaus or Government Portal, 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
SHARING OF PERSONAL DATA
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 (this means our subsidiaries, our ultimate holding company / ies and all its subsidiaries) 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:
- Payment collection services providers
- Identity verification agencies
- Fraud prevention agencies
- Credit rating agencies
- Digital marketing and content delivery agencies
- GST Portal
- Bank statement analysing agencies
- Application service provider
SECURITY OF YOUR PERSONAL INFORMATION
- 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.
- 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.
- All electronic financial transactions entered into through our website will be protected by encryption technology.
- 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.
- 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.
DATA TRANSFERS
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.
USING YOUR INFORMATION FOR MARKETING PURPOSES
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:
- Third parties for their marketing and promotional purposes for instance, number of retailed stores who applied for the loan, etc.
- Users of the Service for the purpose of comparing their financial situation relative to the broader community.
- 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
RETENTION OF PERSONAL INFORMATION
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.
We need your personal data to provide our products and services, manage our business for legitimate interests, and comply with applicable legal obligations, if any. You may choose not to share your personal data or may withdraw your consent at any time; however, doing so may limit the services we are able to provide to you. Notwithstanding such withdrawal, any personal data already shared with us shall continue to be retained for as long as required under applicable law.
RIGHTS OF DATA PRINCIPALS AS PER DPDPA, 2023
As per the Digital Personal Data Protection Act, 2023, individuals (Data Principals) are endowed with specific rights concerning their personal data. Our Company is committed to upholding these rights:
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Right to Access Information (Section 11): Data Principals can request:
A. summary of their personal data being processed. -
Right to Correction and Erasure (Section 12): Data Principals have the right to:
B. Correct inaccurate or misleading personal data. C. Complete incomplete personal data. c. Update their personal data. d. Request erasure of personal data, unless retention is necessary for compliance with any law. - Right to Grievance Redressal (Section 13): Data Principals have the right to: a. Access readily available means of grievance redressal. b. Receive responses to grievances within a prescribed period. c. Approach the Data Protection Board if unsatisfied. 4. Right to Nominate (Section 14): a. Data Principals can nominate another individual to exercise their rights in the vent of death or incapacity.
CHANGES TO YOUR PERSONAL INFORMATION
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.
LOG FILES
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
USING YOUR INFORMATION FOR MARKETING PURPOSES
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:
- Third parties for their marketing and promotional purposes;
- Users of the Service for the purpose of comparing with relative to the broader community.
- 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 are providing.
TRACKING TECHNOLOGIES / COOKIES
If enabled, we may place cookies on your machine that store small amounts of data on your computer about your visit to any of the pages of this Website. Cookies are small electronic files that collect information when someone visits a website. They can identify the pages that are being viewed and this can assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. Some cookies only exist whilst viewers are online, but ‘persistent’ cookies are not session-based and remain on the viewer’s computer. When you visit this site again, ‘persistent’ cookies can enable us to customize our content according to your preferences. Technologies such as: cookies, beacons, tags and scripts are used by Company and our partner entities, affiliates, or analytics or service providers such as google Ad sense, google analytics etc. These technologies are used in analyzing trends, administering the site, tracking user’s movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We use cookies for and on our platform in order to personalize our service for you. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the Website.
BEHAVIORAL TARGETING / RE-TARGETING
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.
LINKS TO THIRD PARTY SITES
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.
OPTING OUT
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 optout 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.
YOUR RESPONSIBILITY
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. This obligation shall be without prejudice to your right under applicable data protection laws. If you have any complaints, security related concern, or wish to exercise any of your rights under applicable data protection laws, please contact Grievance Officer/ 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
CHANGES TO THE POLICY
We may update this Privacy Policy to reflect changes to our information practices or to comply with changes in applicable laws or regulatory requirements. We encourage you to periodically review this page for the latest information on our privacy practices
CHANGES TO THE POLICY
If you have questions, comments, concerns or feedback regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to Nodal Officer, as per details mentioned in contact us segment of our website. This Policy shall be governed by and construed in accordance with the laws of the Republic of India and the courts at Surat, Gujarat, India shall have sole and exclusive jurisdiction in relation to any disputes arising out of or in connection with this Policy. In compliance with Section 8(9) of the Digital Personal Data Protection Act, 2023, Our Company has appointed a Data Protection Officer (DPO) - _____________. The DPO is responsible for overseeing our data protection strategy and implementation to ensure compliance with DPDPA requirements. The DPO also serves as the primary point of contact for Data Principals regarding the processing of their personal data and for addressing any grievances. You can reach our Data Protection Officer at:
Email: _________________
Phone:__________________