You must be a natural person who is at least 18 (eighteen) years of age. You must not misrepresent Your identity. The right to use the Fintso Platform is personal to the User and is not transferable to any other person or entity. The Company and/or its Group Companies presume adequate and lawful parental consent in case the Personal Information is shared by a User under the age of 18 years.
As We update, improve, and expand the Services, this Policy may change, so please refer back to it periodically. By accessing and using the Sites or otherwise using the Services, You consent to collection, storage, and use of the personal information You provide (including any changes thereto as provided by You) for any of the Services that We provide.
The Company respects the privacy of the Users of the Services and is committed to protect it in all respects. The information about the User as collected by the Company is: (a) information supplied by Users; (b) information automatically tracked while navigation; and (c) information collected from any other source (collectively referred to as "Information").
While registering on or accessing the Fintso Platform or while using Our Services, You may be required to provide, some information about yourself, on a voluntary basis. We may also ask You to provide certain additional information on from time to time or retrieve information about You from third parties. All information disclosed by You shall be disclosed willingly on a voluntary basis and without any coercion. Also, in some instances You might have to provide certain information on a mandatory basis (such as KYC information).
The Company shall collect Personal Information about the User, including, without limitation, at the time of:
Users may be required to provide certain personal information for the registration process that may include but not limited to:
The Company shall also collect non-personal information pertaining to the behaviour of the User (behavioural information), while using or browsing through the Fintso Platform, messages posted by the User on the Fintso Platform, etc.
When You register using Your other accounts like from Facebook, Twitter, Google, etc. we shall retrieve information from such accounts to continue to interact with You and to continue to provide the Services.
The Personal Information, any non-personal information and behavioural information is stored by the Company on servers owned by it or its group companies or by third parties in India.
We may collect additional information at other times, including but not limited to, when You provide feedback, comments, change Your content or email preferences, respond to a survey, or any communications with Us. However, in the event You wish to provide Us with Your Aadhar card information, You hereby agree and acknowledge that You are providing the same to Us purely on a voluntary basis only.
To improve the responsiveness of the Sites for Our Users, We may use "Cookies", or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the User's individual interests using the identified computer or device. Unless You voluntarily identify Yourself (for example - through registration), We will have no way of knowing who You are, even if We assign a cookie to Your computer or device. The only personal information a cookie can contain is information You supply. A cookie cannot read data off Your hard drive or device. Our advertisers may also assign their own cookies to Your browser (if You click on their ads, etc.), a process that We do not control. We receive and store certain types of Information whenever You interact with Us via Our Site or Service though Your computer, laptop, netbook, mobile phone, tablet, or any other handheld device, etc.
We automatically collect limited information about Your computer's connection to the Internet, mobile number, including Your IP address, when You visit Our site, application, or service. Your IP address is a number that lets computers attached to the Internet know where to send Your data, such as the pages You view. We automatically receive and log information from Your browser, including but not limited to Your IP address, Your computer's name, Your operating system, browser type and version, CPU speed, and connection speed. We may also collect log information from Your device, including Your location, IP address, Your device's name, device's serial number or unique identification number (e.g. UDID on Your iOS device).
We may use "clear GIFs" (Web Beacons) to track the online usage patterns of Our Users in an anonymous manner, without personally identifying the User. We may also use clear GIFs in HTML-based emails sent to Our Users to track which emails are opened by recipients. We use this information to inter-alia deliver Our web pages to You upon request, to tailor Our Sites or Service to the interests of Our users, to measure traffic within Our Sites to improve the quality, functionality and interactivity of Our Sites and let advertisers know the geographic locations from where Our Users come without personally identifying the Users.
We may receive information about You from other sources, including, without limitation, such as KRA, CKYCR, Credit Bureaus, and add it to Our account information and treat it in accordance with this Policy. If You provide information to any of Our vendors, service providers, partners (such as payment gateway providers), agencies etc., who provide services to Us, Your account information and order information may be passed on to Us.
We may refer other sources of demographic and other information to provide You with more targeted communications and promotions. We use Google Analytics, among others, to track the user behaviour on Our Sites. Google Analytics specifically has been enabled to support display advertising towards helping Us gain understanding of Our users' demographics and interests. The reports are anonymous and cannot be associated with any individual personally identifiable information that You may have shared with Us. You can opt-out of Google Analytics for display advertising and customize Google Display Network ads using the Ads Settings options provided by Google.
When We present Information to Our advertisers – to help them understand Our audience and confirm the value of advertising on Our Sites – it is usually in the form of aggregated statistics on traffic to various pages or content within Our Sites. We use third-party advertising companies to serve ads when You visit Our Sites. These companies may use Information (excluding Your name, address, email address or telephone number or other personally identifiable information) about Your visits to this and other websites or application, in order to provide advertisements about goods and services of interest to You.
The Personal Information provided by the User is used by the Company for the purposes, including, without limitation:
We may also use Your email address or other personally identifiable information to send commercial or marketing messages about Our Services and/or such additional updates and features about third parties' products and services with an option to subscribe or unsubscribe. We may, however, use Your email address for non-marketing or administrative purposes (such as notifying You of major changes, for customer service purposes, billing, etc.).
We also share User Personal Information with Our vendors and service providers – to help Us understand about Our User Behaviour and/or to serve ads when You visit Fintso platform. These companies may use Information (excluding Your name, address, email address or telephone number or other personally identifiable information) about Your visits to this and other websites or application.
Whenever we access your personal information or data automatically from Google, with your consent, the policy governing the access and use of the data will be as follows:
The Company may share your Data (accessed from Google) with our affiliates, service providers, or regulators:
For the sake of clarity, the Company does not sell, transfer, or lease such information for serving ads.
When You use the Services or Sites (or any of its sub sites), We make good faith efforts to provide You, as and when requested by You, with access to Your personal information and shall further ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible, subject to any requirement for such personal information or sensitive personal data or information to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and We may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case, where We provide information access and correction, We perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way We maintain certain services, after You delete Your information, residual copies may take a period of time before they are deleted from Our active servers and may remain in Our backup systems.
We encourage You to review, update and correct the personal information that We maintain about You, and You may request that We delete personal information about You that is inaccurate, incomplete or irrelevant for legitimate purposes, or are being processed in a way which infringes any applicable legal requirement.
Your right to review, update, correct etc. Your information is subject to Our records retention policies and applicable law, including any statutory retention requirements.
We shall retain the records as per applicable laws and such other statutory or regulatory requirements from time to time. In the event any legal or regulatory proceeding is pending, we can retain records for a longer period. We shall store the data, information, and records on a server owned by Us or Our group companies in India.
We may keep Our records of the electronic instructions or transactions in any form as permitted under applicable Laws. In this regard, all records, whether in electronic form, magnetic form, documents or any other form with respect to electronic instructions or online transactions shall be conclusive evidence of such instructions or transactions and shall be binding on the User.
We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of Our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where We store personal data. All information gathered is securely stored within the Company controlled database. The database is stored on servers secured behind a firewall; access to the servers is password-protected and is strictly limited. However, as effective as Our security measures are, no security system is impenetrable. We cannot guarantee the security of Our database, nor can We guarantee that information You supply will not be intercepted while being transmitted to Us over the Internet. And, of course, any information You include in a posting to the discussion areas is available to anyone with Internet access.
Redressal Mechanism: Any complaints, abuse or concerns with regards to the use, processing and disclosure of Information provided by You or breach of these terms should immediately be informed to the designated Concerned Officers, in writing or through email to:
We request the User to provide the following information in their complaint: