Welcome to FinBazzar. the app for salaried individuals. FinBazzar services are provided by Mudraangle. referred to as company ,incorporated under Limited Liability Partnership Act 2008 having its registerd office at FinBazzar, A/917,Anantkrupa , Datttawadi , Sinhagad Road,Pune 411009 at no cost and is intended for use as is. This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service. If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy. The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at FinBazzar unless otherwise defined in this Privacy Policy.

1. Information Collection and Use

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to location,user data. The information that we request will be retained by us and used as described in this privacy policy. The app does use third party services that may collect information used to identify you. Link to privacy policy of third party service providers used by the app Google Play Services

2. Log Data

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

3. Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your devices internal memory. This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

4. Service Providers

We may employ third-party companies and individuals due to the following reasons:
To facilitate our Service;
To provide the Service on our behalf;
To perform Service-related services; or
To assist us in analyzing how our Service is used.
We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

5. Security

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

6. Children’s Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.

8. Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at [email protected] . FinBazzar, a product of FinBazzar Finance Limited , is committed to protecting its customers privacy and security. Through this privacy policy we explain how we collect and share information . We also identify the source from where we gather non-public personal information related to you and explain the measures we take to keep the information secure. We also indicate which information about you we will be sharing with our affiliates and with non-affiliated third parties. This Privacy Policy explains our information collection and sharing practices. It identifies the sources from which we collect non-public personal information about you, details the measures we take to secure that information, and describes the information about you that we may share with our affiliates and with non-affiliated third parties. What is given below will give you a fair idea about how we treat your personal data.

9. Information we collect from you

To avail certain services on the FinBazzar App, users are required to provide some personally identifiable information for the registration process which may include:-
1. Your Name
2. Email Address
3. Your Phone Number
4. PAN Card If you are registering as company, company formation details etc.
5. Contacts
And any other such information as required. The Information as supplied by the users enables us to improve the FinBazzar App Services and provide you the most user-friendly experience. All required information is service dependent and the Company may use the above said user Information to maintain, protect, and improve the FinBazzar App Services and for developing new services. We may also use your phone number, email address or other personally identifiable information to send commercial or marketing messages without your consent [with an option to subscribe/unsubscribe (where feasible)]. We may, however, use your email address and phone number without further consent for non-marketing or administrative purposes (such as notifying you of major changes, for customer service purposes, providing information about updates to FinBazzar App Services, billing, etc.). Any personally identifiable information provided by you will not be considered as sensitive if it is freely available and/or accessible in the public domain. Further, any reviews, comments, messages, blogs posted/uploaded/conveyed/communicated by users on the public sections of the Site or an Application Store (like the App Store or Play Store) becomes published content and is not considered personally identifiable information subject to this Privacy Policy. In case you choose to decline to submit personally identifiable information on the FinBazzar App/Site, we may not be able to provide certain services on the App/Site to you. We will make reasonable efforts to notify you of the same at the appropriate time. In any case, we will not be liable and or responsible for the denial of certain services to you for lack of you providing the necessary personal information. When you register with the FinBazzar App Services, we may contact you from time to time about updation of your personal information to provide such features that we believe may benefit/interest you.

10. Purpose of collecting information

The purpose of collecting the above information is to • Identify you
• Provide you facility to use expense and income tracker functionality withing the application
• Assess your loan eligibility based on the expense and income tracked
• Provide you Loan or any such affiliated services in future
• Protect you against fraud with regard to banking and finance by notifying about your transactions
• And for periodically give information about FinBazzar products and services

11. What data we collect from you?

We may collect, store, and use any or all of the following categories of personal data / information about you/your organization collected through interactions on FinBazzar application:
• Personal details such as name, date of birth, gender, contact numbers, and personal/official email addresses;
• Marital status and dependents;
• Salary & Bank statements; Information we obtain from third parties (fraud prevention agencies, banks, merchants and credit reference agencies) when verifying details supplied by you and information collected from publicly available sources on websites. Other information about an individual that you or they disclose to us when communicating with us or any other information considered necessary;
• Collect from credit reference agencies and customer service providers regarding credit worthiness and credit history;
• Computer including your IP address, operating system and browser type. This is statistical data about browsing actions and patterns and is not in individually identifiable form and compatibility with our websites;

12. From where do we collect information about you?

We collect data directly from your online application. We also take data from the information you provide on your interaction with our customer service department
• We may monitor and record your telephone conversation with us and our customer services department;
• We may collect information about your transactions, including loan balances;
• Collect from credit reference agencies and customer service providers regarding credit worthiness and credit history;
• information that is collected when you use the website. You may have provided the information to identify you and validate your use of the Website for fraud prevention purposes;
• information about your computer including your IP address, operating system and browser type. This is statistical data about browsing actions and patterns and is not in individually identifiable form;
• automatic information obtained by using ‘cookies’ when your browser accesses our Website and when you log-in

13. Use and disclosure

We always try to ensure that the personal data that you have given us is only used for the purpose it has been taken Grounds/ Purpose for Using Your Personal Data / Information FinBazzar is permitted to process your personal data in compliance with Data Protection Regulation by relying on one or more of the following lawful grounds:
• You have explicitly agreed to us processing your personal data / information for a specific reason;
• The processing is necessary to take steps to enter into an agreement with you, to perform the agreement we have with you and/or for compliance with a legal obligation. The recipients of your personal data may include any of the following:
• Credit bureau or agencies like CIBIL, Equifax, Experian, Fin Fort, Astitute etc.
• Regulators like RBI, NHB & SEBI etc.
• Tax authority;
• Law enforcement agencies;
• Fraud prevention authorities;
• Data processors and/or call centers;
• The processing is necessary for the purposes of a legitimate interest pursued by us, which might include to provide services to you and to ensure that our customer accounts are well- managed and to prevent, detect, investigate and prosecute fraud and alleged fraud, money laundering and other crimes and to verify your identity in order to protect our business and to comply with laws that apply to us and/or where such processing is a contractual requirement of the services or financing you have requested;
• The processing is necessary to protect our business interests, to ensure that complaints are investigated and also to evaluate, develop or improve our services or to keep our customers informed about relevant services, unless you have indicated at any time that you do not wish us to do so;
• Financial SMS are analysed to understand more about your income and expense patterns, to help us gauge the repayment capabilities and provide you better services;
• We use your following information: 1.Name 2. Email 3. Bank Account 4. Address while subrscribing to the app, for the purpose of checking if you are a existing customer or not. The above mentioned data (Name, Email, Address, Bank Account Number) is collected and uploaded to [email protected] and is used by us. We will share your personal data to any of the above only for the purpose of either to serve you during the business relationship and/or as required under the applicable laws.

14. Usage

There is very restricted use of your personal data amongst: • those involved in maintaining, reviewing and developing our business systems, procedures and infrastructure
• our partners in financial transactions, including financial institutions, merchants and payment organizations
• credit and fraud reporting agencies, debt collection agencies, and organizations involved in our normal business practices
• your nominated representatives
• government or regulatory bodies, if required by law Where we store and process your personal data All the information that we gather about you is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. There are certain areas of the site for which you need a password to access. You are responsible for keeping this password confidential and not share it with anyone. While we make all efforts to ensure security of your data, we cannot guarantee its security as transmission of data over the internet is not completely secure .All transmissions are at your own risk. On our part we will use strict procedures and security features to prevent unauthorised access. Our security system is at par with industry standards and we are constantly trying to evolve and upgrade our system.

15. COLLECTION OF CONTACT INFORMATION

For customers to avail a loan on our platform, we need references from the customer. For this purpose, while completing the loan application form on our App , we collect and monitor your contact information which includes name, phone number, account type, contact last modified, favourites and other optional data like relationship and structural address to enable you to autofill the data during the loan application process. This information is required for the purposes of risk analysis, enable us to detect credible references assess your risk profile and to determine your loan eligibility.

16. Cookies

FinBazzar use cookies for security and to personalize your web browsing experience. We may use cookies for some situations, such as: • to allocate an identification number to your Internet browser (you cannot be identified from this number);
• to determine if you have previously visited the website;
• to track and report on website and online campaign performance;
• to identify other pages or third parties’ websites you have accessed; and
• for fraud detection and security purposes It is possible for you to configure your browser so that it does not receive cookies. However this means you will be unable to use secure services that require cookies in order to participate. Some of those services include (but are not limited to) our online application and some member features.