TERMS OF USE - Infocom Fintech Private Limited
Our Privacy Policy is between You the End User and Infocom Fintech Private Limited and all other owned and/or related Partners, Sites and Apps controlled or operated by the above entities herein referred to as “Infocom Fintech Private Limited” or “The Company” including its affiliate entities
During your usage of our platform, which is accessible onwww.tradeudhaar.com; we may collect the information as enumerated in the policy below.
This Policy constitutes a legal agreement between You as the User of the Platform, and the Company, as the owner of the Platform. For clarity, User shall mean any person, who visits, uses and/ or transacts through the Platform. You are permitted to use the Services available on the Platform only if you are a uynatural person, citizen of India, and at least eighteen (18) years of age.
Trust is one of those key ingredients in a bond that makes it stronger and better, and we truly value the amount of trust that our valuable customers put in us. It is because of this fact that we emphasise a lot on customer information privacy and maintaining the highest level of secure transactions. Request you to please have a glance at the following statements to know about our dissemination and information-gathering practices.
The Company endeavours to protect your personal information. This Privacy Policy informs you about our practices regarding the treatment of information we collect from you online (e.g., through our websites) and offline (e.g., through customer support channels, our support centres, and in-person promotional activities), the kinds of information we may collect, how that information is used, with whom we share it, and how you can opt-out of a use or correct or change such information.
This Privacy Policy is incorporated into The Company and Terms and Conditions by reference as if set forth fully therein, which must be reviewed and accepted by you. If you have any questions about our privacy policies, please contact us by visiting this page.
1. Scope:
This Privacy Policy applies to personal information that is processed by the Company in the course of its business, including via Company's web properties and through any mobile apps, forums, social media accounts, blogs, and other online or offline offerings (together with any and all future online and offline offerings, the “Services”).
Information We Collect:
A. Personally Identifiable Information. The types of personally identifiable information we collect (directly from you or from third party sources) and our privacy practices depend on the nature of the relationship you have with The Company and the requirements of applicable law.
The kinds of personal information that we may collect include:
Demographic Data: Name, gender, date of birth, age, nationality
Contact Details: Home/work landline phone number, personal/work mobile, home/work postal address, personal/work email address
Financial Data: Bank account Statement; Financial Statements
Government Identifiers: PAN; GST Certificate and details, ENACH; Udyog Aadhaar No.
Specimen signatures: Signatures of Director, partner, proprietor i.e. borrower
Below is more information on the ways we collect personal information and how we use it.
We store and collect the personal information provided or filled by you when you come and use company website from time to time. Our main aim in doing this is to give our customers a safe, smooth, hassle-free, efficient, and customised-user experience. This enables us to offer you features and services that match your requirements so that we can customise and do modifications on our website to give you a great online experience. Another important thing while doing this is, we collect your personal information that is necessary to meet this purpose.
Generally, you can use our website without revealing your personal information in any form about yourself. However, once you enter your personal information, you are no more anonymous to us. We shall indicate you about which fields are optional and which fields are mandatorily required. But in any case, we always give you the option to not give us your information by opting out to use any feature or service on our website. Also, we may track some of the information related to you which would be based on how you engage on our website. We work on this information to do our internal research associated with our users interests, demographics, and behaviour so that we can protect, serve, and better understand our users. All this information is integrated and examined on an aggregated basis. This includes the URL from which you came, which URL you go next, your IP Address and computer browser history.
B. Types of personal information. The Company collects personal information from its current, prospective, and former customers, visitors, and guests (collectively “Individuals”) through the following channels:
Information Provided Directly to Us: When you use the Services, contact us directly, or engage in certain activities, such as registering for an account with The Company, placing up the loan application, or signing up to receive emails about our latest services, we may ask you to provide some or all of the following types of information: your name, email address, mailing address, phone number, payment information, such as a bank account number, billing address, and/or other related information required to complete the (such payment information, “Financial Information”).
Communications: We may collect personal information from you such as your email address, phone number or mailing address when you choose to request information about our Services, visit our website, register to receive communications over email or text messaging, participate in promotions, or loyalty programs, or otherwise communicate with us. Where allowed by applicable law, we may also record and store customer support calls for training and quality purposes.
Survey and Reviews: We (or third parties acting on our behalf) may contact you to participate in research, surveys or beta testing or to provide reviews and testimonials. If you decide to participate, you may be asked to provide certain information, which may include personal Information. All information collected from your participation in our research, surveys, reviews or testimonial process, or beta testing is provided by you voluntarily. We may use such information to improve our products and/or Services, and in any manner consistent with this Privacy Policy.
Public Posts: We may offer publicly accessible blogs, social media pages, product review pages, or similar forums. Please be aware that when you disclose information about yourself on any public area of the Services or on any public sites operated by third parties, such content will be considered “public” and will not be subject to the privacy protections provided in this Privacy Policy.
Information from Third Parties: Our website may or may not link to other websites that may collect your personal information.www.tradeudhaar.comwould not be responsible for their privacy practices or the content that is mentioned in those linked websites.
We may receive information about you from other sources, including through third-party services and organizations, to supplement the information provided by you. This supplemental information allows us to enhance our ability to provide you with information about our business, products and Services.
3. How We Use Your Personal Information/Demographic/Profile Data:
We use your personal information to offer the services you opt for. This information is used to market products to you. However, we provide you with the access to opt-out from such uses. The information given by you helps us in resolving disputes; promote safe services; troubleshoot problems; collect money; keep you updated about our online and offline offers, services, and products; detect errors, frauds, and criminal activities in any form and protect us from them; and apply our terms and conditions.
By providing personally identifiable information to us, we are able to perform a number of business functions, such as:
Provide Products, Services, or Information Requested. The Company may use information about you to fulfil requests for products, Services or information, including to:
Respond to questions, comments, and other requests;
Provide access to certain features of the Services;
Personalize product recommendations;
Communicate with you about logistical matters, including loan disbursement; instalment reminders;
Conduct internal research and development;
Review and respond to requests for customer support;
Allow you to register for online profiles or in-person/in-store events.
Administrative Purposes. The Company may use personal information for administrative purposes.
Marketing. The Company may use personal information to provide you with marketing materials that may be of interest, including:
To notify you about offers and Services that may be of interest or about which you have previously expressed an interest (e.g., back-in-stock notifications);
For other purposes disclosed at the time that you provide personal information; or
Otherwise with your consent. You may contact us at any time to opt-out of the use of your personal information for marketing purposes, as further described in Clause 6.
Research and Development. The Company may use personal information alone or in the aggregate with information obtained from other sources, in order to help us improve our existing products and Services or develop new products and Services. From time to time, The Company may perform research (online and offline) via surveys. We may engage third party service providers to conduct such surveys on our behalf. All survey responses are voluntary, and the information collected will be used for research and reporting purposes to help us better serve Individuals by learning more about their needs and the quality of the products and services we provide. The survey responses may be utilized to determine the effectiveness of our Services, various types of communications, advertising campaigns and/or promotional activities. If you participate in a survey, the information given will be used along with that of other study participants.
Direct Mail, Email and Outbound Telemarketing. Individuals who provide us with personal information, or whose personal information we obtain from third parties, may, as permitted by law, receive periodic emails, newsletters, mailings, text messages or phone calls from us with information on our or our business partner's products and services or upcoming special offers/events that we believe may be of interest. We offer the option to decline these communications at no cost by following the instructions in Clause 5.
Anonymous and Aggregated Information. The Company may use personal information and other information about you to create anonymized and aggregated information, such as de-identified demographic or psychographic information, information about the computer or device from which you access the Services or other analyses we create. Anonymized and aggregated information is used for a variety of functions, including the measurement of visitor's interest in and use of various portions or features of the Services. Anonymized or aggregated information is not personal information, and we may use such information in a number of ways, including research, internal analysis, analytics and any other legally permissible purposes. We may also share this information with third parties for our or their purposes in an anonymized or aggregated form that is designed to prevent anyone from identifying you.
Shared Content. From time to time, we may offer referral services of features that allow you to forward or share certain content with a friend or colleague, such as an email inviting your friend to use our Services or product from us.
Other. The Company may use personal information for which we have a legitimate interest, such as fraud protection or compliance with legal obligations, or any other purpose disclosed to you at the time you provide personal information or with your consent.
4. Cookies, Pixels, and Similar Technologies:
On certain pages of our website, we use “cookies” to collect user's data so that it can help us in measuring promotional effectiveness, analysing web page flow, and helps us in promoting trust and safety. “Cookies” are small text files that get stored in your hard drive and helps us in giving our services. There are certain features on our website that you may use only by using "cookies". We use cookies so you don't have to enter passwords and other information's again and again during a browsing session. Cookies help us in providing information matching your interests. In most cases, we use “session cookies,” which means that at the end of the session, they will delete automatically from the hard drive. You are not bounded to accept our cookies, although if you don't, you may not be able to use some features of our website. Also, during your browsing session, you may have to re-enter your account password frequently.
In some cases, you may see pop-ups about “cookies” or things that are like it on a few pages of our website that are put there by the third parties. We want to make it clear that we do not restrict the usage of cookies placed by the third parties.
If you opt to avail the credit facility or products something from our website, we do collect some information about the borrower behaviour of our borrowers.
If you send messages to our chat rooms or message board or leave any feedback, we collect that information given by you to us. We keep this information to provide customer support, resolve disputes and troubleshoot problems encountered as permitted by the law.
When you send us your correspondence details, such as letters or emails, or if any third-party user sends us about your postings or activities on our website, we shall keep such pieces of information.
We collect and keep your personally identifiable information, such as name, contact number, email address when you make an account on our website. While there are sections in our website that you can browse with your free account, but then there are some activities like placing an order require mandatory user registration. We use this information to send best offers depending on your interests and previously placed orders.
5. How We Share Your Information:
We may use the personal information given by you with our other affiliates and corporate entities. Due to this sharing of information, these affiliates and corporate entities may do marketing activities with you unless you opt out from them explicitly.
We may share your personal information with third parties. This sharing is required for us to follow our legal obligations, to permit you to use our services, to assist our advertising and marketing activities, to apply our user agreement, and to detect, mitigate, prevent, and investigate any fraudulent and illegal activities that are related to our services. We never disclose any personal information about our users to vendors or third parties for their advertising and marketing purposes without your consent.
If required, we may disclose the personal information of our users to do so in the good faith or by law that this disclosure is rationally necessary to reply any court orders, subpoenas, or other legal proceedings. We may have to disclose your personal information to law enforcement offices or other government offices in the good faith that this disclosure is rationally necessary to: apply our Terms and Privacy Policy; protect the personal safety, property, or rights of the users of our website or the general public; or respond to any claim that a post, advertisement or content in any other form violates the entitlements of a third party.
We and our affiliates may sell or share a few or full personal information with other business entities which acquire, restructure, amalgamate, re-organise our business or merge their businesses with us. The new combined or other business entity will be recommended to follow the privacy policy associated with your personal information.
We share information collected through the Services with the following categories of parties:
A. Vendors and Service Providers: We may share any information we receive with vendors and service providers. The types of service providers to whom we entrust personal information include service providers for:
web hosting, analytics and related services;
payment processing, fraud protection, and credit risk reduction;
customer service activities such as inquiries and shipping; and
in connection with the provision of the Services. The Company's policy is to execute appropriate contracts with service providers that prohibit them from using or sharing personal information except as necessary to perform the contracted services on our behalf or to comply with applicable legal requirements, and this Privacy Policy.
B. Business Partners: The Company may share personal information with its business partners and affiliates for our and our affiliates’ internal business purposes or to provide you with a product or service that you have requested. The Company may also provide personal information to business partners with whom we may jointly offer products or services, or whose products or services we believe may be of interest to you. In such cases, our business partner's name will appear, along with The Company.
C. Professional Advisors: We share personal data with our legal, financial, insurance and other advisors in connection with corporate transactions or in connection with the management of all or part of our business or operations.
D. Legal Disclosure/Law Enforcement: We may access, preserve and disclose your personal information, other account information and content if we believe doing so is required or appropriate:
to comply with law enforcement or national security requests and legal process, such as, a court order or subpoena;
to respond to your requests;
to protect yours, ours or other's rights, property or safety;
to enforce The Company policies or contracts;
to collect amounts owed to The Company;
to comply with records retention policies;
when we believe access, preservation, or disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation or prosecution of suspected or actual illegal activity; or
if we, in good faith, believe that access, preservation, or disclosure is otherwise necessary or advisable. In addition, from time to time, server logs may be reviewed for security purposes e.g., to detect unauthorized activity on the Services. In such cases, server log data containing IP addresses may be shared with law enforcement bodies in order to allow them to identify users in connection with their investigation of unauthorized activities.
E. Merger, Sale, or Other Asset Transfers. If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, receivership, sale of company assets or transition of service to another provider, then your information may be sold or transferred as part of such a transaction as permitted by law and/or contract. In such event, The Company will endeavor to direct the transferee to use personal information in a manner that is consistent with the Privacy Policy in effect at the time such personal information was collected.
6. Managing Your personal information / Opt-out
Once our users have set up an account with us, they are given with the opportunity of opting out to receive non-essential marketing-related or promotional communications from us and our partners.
We want to communicate with you only if you want to hear from us. You have the right to object to and opt-out of certain uses and disclosures of your personal information. Where you have consented to The Company processing of your personal information, you may withdraw that consent at any time and opt-out to further processing by contacting us by website. Please note that even if you opt-out, we may still collect and use non-personal information regarding your activities on our Service and/or information from the advertisements on third party websites for non-interest-based advertising purposes, such as, to determine the effectiveness of the advertisements.
Email -You can unsubscribe from email, text and phone communications at any time. If you would like to opt-out of receiving marketing via email, click the unsubscribe link on the footer of marketing emails. We will process your request within a reasonable time after receipt, in accordance with applicable laws. The Company will continue to send you non promotional, service emails concerning your account, such as emails relating to available upgrades, billing and payment information, outstanding balance on your account, and other emails relating to your account and/or your use of the Site.
Direct Mail -If you would like to opt-out of receiving communication via postal mail, contact us by website.
Account -You may review, update, or modify your account information at any time by logging into your The Company account. You may also deactivate or delete your The Company account by contacting us by website.
Rights of Access, Rectification, Erasure, and Restriction -Where permitted by applicable law, you may inquire as to whether The Company is processing personal information about you, request access to personal information, and ask that we correct, amend or delete your personal information where it is inaccurate or has been processed in violation of your rights under data privacy laws that apply in the country where you live. Where otherwise permitted by applicable law, you may contact us by website or use any of the methods set out in this Privacy Policy to request access to, receive, seek rectification, or request erasure of personal information held about you by The Company. Please include your full name, email address associated with your account and a detailed description of your data request. Such requests will be processed in accordance with local laws. Although The Company will use good faith efforts to provide Individuals with access to their personal information, there may be circumstances in which The Company is unable to provide access, including but not limited to where the information contains legal privilege, would compromise other's privacy or other legitimate rights, where the burden or expense of providing access would be disproportionate to the risks to the Individual's privacy, in the case in question or where it is commercially proprietary. If we determine that access should be restricted in any particular instance, we will provide you with an explanation of why that determination has been made and a contact point for any further inquiries. To protect your privacy, The Company will take commercially reasonable steps to verify your identity before granting access to or making any changes to your personal information.
7. Children's Privacy
Our Services are not directed to children under the age of 13. In addition, you are not permitted to use our Services if you do not meet the minimum age requirement applicable to our Services in your jurisdiction. We do not knowingly collect personal information from children under the age of 13. If you learn that your child has provided us with personal information without your consent, you may alert us getting our information from Website. If we learn that we have collected personal information of a child under the age of 13 (or under the age of 16 in certain jurisdictions), we will take steps to delete such information from our files as soon as possible and terminate the child's account unless we receive verifiable parental consent.
8. Security & Retention Precautions:
The security of your personally identifiable information is important to us and The Company is committed to handling such information carefully. We maintain physical, electronic and procedural safeguards to guard your personally identifiable information. We use secure socket layer technology to protect the security of your payment information and we encrypt your personally identifiable information when it is sent over the Internet. No method of transmission over the Internet, or method of electronic storage is 100% secure. However, therefore, while we strive to use commercially acceptable means to protect your personally identifiable information, we cannot guarantee its absolute security. By using the Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Services. If we learn of a security breach, we may attempt to notify you electronically by posting a notice on the Services or sending an email to you. You may have a legal right to receive this notice in writing.
Our website has strong security in place to protect against the misuse, loss, and modification of the information that is under our control. Whenever you access your account or edit the information, we use an extremely secure server. As soon as you give us your personal details, we adhere to obey strict guidelines to protect it from any form of unauthorized access.
We retain personal information we receive as described in this Privacy Policy for as long as you use our Services or as necessary to fulfil the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defences, conduct audits, pursue legitimate business purposes, enforce our agreements and comply with applicable laws. When we are no longer required to retain your personal information as described above, we will destroy, erase, or de-identify it in accordance with our data retention policies and applicable law. Legal requirements, however, may require us to retain some or all of the personal information we hold for a period of time that is longer than that for which we might otherwise hold it.
9. Your Consent:
By using our website and/or by entering your personal information, you give us your consent to collect and use this information as per this Privacy Policy. If we decide to make changes in our privacy policy, we will do the changes on this Privacy Policy page so our users may stay aware of what information we are collecting, how we are using and under what conditions we may disclose it.
10. Updating this Privacy Policy:
We reserve the right to change, modify, add, or remove portions of this Privacy Policy at any time. You should check this page periodically for changes. Your continued use of this Site following the posting of changes to this Privacy Policy will be considered your consent to those changes. In the event that we believe that the security of your personal information in our possession or control may have been compromised, we may seek to notify you of that development
11. Questions or Concerns
If you have any feedback, questions, or concerns regarding privacy, please send us a detailed message by visiting this website www.tradeudhaar.com;we will make every effort to resolve your concerns.
12. Grievance Officer:
In accordance with Information Technology Act, 2000 and rules made there under the name and contact details of the Grievance Officer are provided below:
Company Name
Name Mr. Aditya Shankar
Designation: ……[*]…….
INFOCOM FINTECH PRIVATE LTD,
Address: - A-86, Phase- II, Okhla Industrial Area Phase 1, Delhi – 110020
Contact us:
Phone: ____________
Email: Adityashankar@tradeindia.com
Time: Monday to Friday (10:00 AM – 6:00 PM)
