Privacy Policy
Finsall Privacy Policy Last Updated: 4th October, 2019
This policy is published by virtue of a legal requirement under the provisions of the Information Technology Act, 2000 that require intermediaries to publish the rules and regulations, privacy policy and terms for access or usage of our Website and is primarily governed by Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 201 Commitment Finsall intends to protect the privacy of its users and members on its website being https://www.finsall.com (our Website) and the privacy of the data provided by them to Finsall from time to time.
The privacy of our website users, whether you are our former or existing registered user or merely a visitor to our Website, is important to us and we are strongly committed to your right to privacy and to keeping your personal and other information secure. We encourage you to read our privacy statement to understand what types of personally identifiable information we collect and how we use this information.
By using Finsall website, user gives their consent that Finsall could collect, disclose, share, and use user's information in accordance with the terms of this privacy policy, also user consented to be bound by the terms and conditions of this Privacy Policy.
If case where user does not wish/wants Finsall to collect, disclose, share and use users' information, including but not limited to any personal information (as defined below), user may choose not to register for an account or terminate their account with Finsall in accordance with the applicable Terms and Conditions available at the website.
What type of information does Finsall.com collect from you?
Personal Information For the purpose of providing you services, we require you to enroll yourself on our Website and get yourself registered.
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If you choose to become a registered member of our Website, you are required to share your name, e-mail address, gender, date of birth, postal address, phone number, a unique login name, password, password validation, income tax details, marital status, details, family details, business information and other details shared via application form or via email or via any other medium (Personally Identifiable Information).
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Finsall may also collect other information specific to provide you service each time such as name, bank statements, KYC documents, personal details, business details, income tax details, marital status, family details and other information via application form or via email or via any other electronic medium or via printed form (Service Information).
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Additionally, Finsall collects your other details including but not limited to your feedback, suggestions, views, opinions, etc. shared on our Website (User Information) that may be shared/volunteered by you on our discussion forums or other pages of our Website. Such information being in the public domain is available for access for all our Website's users and visitors. You are advised to exercise discretion before you make such details public, as such information is vulnerable to misuse and can be easily misused. Finsall in this regard fully disclaims any liability (ies) or claim(s), which may arise by use/misuse of User Information shared by you, by any third party or any party not known to Finsall.
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Information exchanged by you with Finsall in the form of written communication, responses to emails, feedback required from you, participation in discussions, etc. is handled with confidentiality and is available for the exclusive use of Finsall. Please note that Finsall DOES NOT trade or sell your Personal Information in any manner, except as specified herein, or if express consent is sought from you. Non-Personal Information Finsall also collects certain other information from you on your visit to our Website such as your information about your operating system, browser type, the URL of the previous web site you visited, your internet service provider and your IP Address (Non-personal Information). This information cannot be easily used to personally identify you.
We use Non-personal Information for the purposes including but not limited to troubleshoot connection problems, administer the Website, analyze trends, gather demographic information, to ascertain how our visitors use our website, including information relating to the frequency of visits to our web site, average length of visits, pages viewed during a visit, ensuring compliance with the applicable law, co-operating with law enforcement activities, etc. This information is used to improve the site content and performance. You also agree that Finsall may gather usage statistics and usage data from your use of our Website to evaluate your use of our products/services, to improve our products/services, Website content and to ensure that you are complying with the terms of the applicable agreements between you and Finsall.
The statistics and data collected may or may not be aggregated. These statistics contain no information that can distinctly identify you. We may in future also share this information with third party service providers or third party advertisers to measure the overall effectiveness of our online advertising, content, programming and for other bonafide purpose, as we may desire.
By usage of our Website you expressly permit Finsall to access such information for one or more purposes deemed fit by Finsall. Cookies Similar to other commercial web sites, our Website utilizes standard technology called "Cookies" and Web server logs to collect information about how our Website is used. Cookies are small pieces of information that are stored by your browser on your computer's hard drive. Cookies are only read by the server that places them, and are unable to inter alia run programs on your computer, plant viruses or harvest your personal information. Cookies allow Web servers to recognize your computer each time you return to our Website including the date and time of visits, the pages viewed, time spent at our Website, and the Websites visited just before and just after our Website, verify your registration or password information (in case of registered users) during a particular session so that you do not have to input your password multiple times as you navigate the site and suggest products or services that may interest you.
This information is collected on an aggregate basis. None of this information is associated with you as an individual. Most web browsers automatically accept cookies. By changing the options on your web browser or using certain software programs, you can control how and whether cookies will be accepted by your browser. Finsall understands and supports your right to block any unwanted Internet activity, especially that of unscrupulous websites. However, blocking Finsall cookies may disable certain features on our Website and may make it impossible for you to use certain services available on our Website Session Data.
We automatically log generic information about your computer's connection to the Internet, which we call "session data", that is anonymous and not linked to any personal information. Session data consists of information such as the IP address, operating system, type of browser software being used by you and the activities conducted by you on our Website. An IP address is a number that lets computers attached to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze things such as the items visitors are likely to click on most, the manner in which visitors click preferences on our Website, number of visitors surfing to various pages on the site, time spent by the visitors on our Website and frequency of their visit.
It also helps us diagnose problems with our servers and lets us better administer our systems. Although such information does not identify any visitor personally, it is possible to determine from an IP address a visitor's Internet Service Provider (ISP), and the approximate geographic location of his or her point of connectivity. Other We may from time to time add or enhance products/services available on our Website. To the extent these products/services are provided to and used by you, we will use the information you provide in this regard to facilitate the products/service requested. For example, if you email us with a question, we will use your email address, name, nature of the question, etc. to respond to your question.
We may also store and publish such information to assist us in making the site the better and easier to use. Promotional Initiatives Finsall may have presence on social networking websites including but not limited to LinkedIn, Facebook, Twitter, YouTube and blogs which are promotional and business initiatives to connect to a larger group of people. The domain links contained therein may either direct you to our Website or request your participation by way of feedback, suggestions. Finsall in this regard fully disclaims any liability (ies) or claim(s), which may arise by use/misuse of your feedback, suggestions, views, etc. on any of the aforementioned networking websites or blogs, by any third party whether or not known to Finsall.
Retention of Data
After termination of user account, Finsall shall destroy all the data collected from user, except the records and the data pertaining to the transactions undertaken using Finsall services on the website, and where required to ensure compliance with applicable laws. Please note that under the applicable laws, Finsall may maintain record of the transactions with Finsall, including personal data such as username, contact details, etc. Subject to the above, Finsall will delete all other Personal Information including the banking details (debit/credit card), and passwords of user when user account is terminated.offered to you by Finsall, etc.
Does Finsall protect my Personal Information?
Finsall is committed to protecting the privacy and the confidentiality of your Personal Information. Whenever Finsall obtains Personal Information from you, our Website uses commercially reasonable efforts and general industry standards to protect it from any unauthorized access or disclosure. Access to your Personal Information is limited to Finsall is personnel and such authorized third parties who may host your data on our behalf or may assist us in providing the products and services requested by you.
Finsall uses its best endeavors to maintain physical, electronic and procedural safeguards that aim to protect your information against loss, misuse, damage, modification, and unauthorized access or disclosure. However, Finsall assumes no liability whatsoever for any disclosure of Personal Information due to unauthorized third party access or other acts of third parties, or any other acts or omissions beyond reasonable control of Finsall.
Does Finsall secure the content its users post from other users?
The content that you store, post, or transmit on or through our Website, may be accessed by other users (registered or unregistered), including people that you do not know. The content/images that you post/share on our Website may be prone to misuse by a party not known to you. Finsall in this regard fully disclaims any liability (ies) or claim(s), which may arise by use/misuse of such content, by any third party or any party not known to Finsall.
We suggest that you exercise care and caution in communicating with other users and only disclose your information to other users that you know to be trustworthy. You should not assume that your content will be kept private.
How does Finsall use the information that it collects?
Any information share by you is used by us and/or authorized third parties/service partners to support your interaction with us, to offer you services in the best possible manner and to contact you again about other services and products that we offer. You acknowledge that the third-party service provider/banks/ NBFCs/ agent/agencies will have access to your personal information on a need to know basis to assist us in rendering Services required.The third-party service providers are obligated not to disclose or use the information for any other purpose. By submitting your Personal Information to Finsall, you expressly acknowledge and consent to Finsall to use such information and to process the same in a manner deemed fit by Finsall. This may involve conducting data analysis, research based on reviews about deals, transfer of your Personal Information to third party experts for the purpose of outsourcing services offered to you by Finsall, etc.
Permissions
Certain permissions are being sought by Finsall, from the consumer at the event of downloading the application, registration or requesting for loan.
User Discretion
By using the Website and/ or by providing your information, User consent to the collection and use of the information User disclose on the Website in accordance with this Privacy Policy, including but not limited to User consent for collecting, using, sharing and disclosing your information as per this privacy policy.
User can always choose not to provide information, which is not mandatory in nature but in case the information required is mandatory and user did wish not to provide the requisite information, then user will not be able to access the app/web or the service fully.
What security precautions are in place to protect against the loss, misuse, or alteration of your information?
Finsall makes every reasonable effort to preserve the privacy and confidentiality of your information shared with us. We implement standard measures to protect against unauthorized access to and unlawful interception of Personal Information. However, no Internet site can fully eliminate security risks.
We reserve the right to disclose information shared by you without your consent (express or implied) and without any liabilities to you when required or permitted by law and we have a good-faith belief that
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such action is necessary to comply with an appropriate law enforcement investigation, current judicial proceeding, a court order or legal process served on us
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to conform to the legal requirements, compliance/reporting to administrative and judicial authorities, as may be required
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protect and defend the rights or property of the website owners of Finsall, or the users of Finsall, (iv) person(s) or company (ies) who provide certain support services to us, and (v) person(s) or company (ies) who share certain responsibilities/obligations of Finsall.
Further, we reserve the right to disclose information shared by you with your consent with entities engaged in providing the credit scores or credit information related services like CIBIL, etc. I have more questions about privacy policy If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at mailto:grievance@finsall.com.
CREDIT INVESTIGATION
You accept and agree that Finsall shall, based on your
explicit consent, obtain Your credit scores or credit information
reports from Credit Information Companies (the "CICs") directly
or through its technology service providers that we have
contractually partnered with authorized under applicable laws as
Your lawful and duly authorised/ appointed agent. You also
acknowledge that You shall not raise any claim or hold liable our
Partner CIC's or service providers in relation to Your credit
information report and credit score provided or to be provided by
Partner CIC's. You also agree to these consent form for
CICs being the terms and conditions of our Partner CICs for
authorizing the Partner CICs to furnish Your credit information
to Finsall.
You hereby agree and acknowledge that the Lending
Partners shall, based on their independent arrangement with CICs,
directly obtain detailed credit information of the User, prior to
providing the loan facility through the Finsall LSP Services. It
is expressly clarified and communicated that Finsall shall not be
liable for any effects on the User's credit score resulting due
to any Lending Partners' obtaining the User's detailed credit
information from the CICs.
You hereby accept and agree that Finsall shall , retain, store, use, analyze, aggregate, Your
credit score and credit information obtained from Partner CICs
for the following purposes:
a. To present an overview of Your
credit score and credit information report obtained from the
CICs;
b. To identify and inform You with tailored/ personalized
offers for EMI or loan offers from our Lending Partners and
financial institutions that may be suitable to Your
circumstances.
For the sake of abundant clarity it is clarified
that any delay or default in payments to the Financing Partners
can lead to a negative impact on Your credit score. You
categorically accept and agree that You shall not hold Finsall
responsible for any adverse impact on Your credit score resulting
from Your access or use of the Finsall LSP Services.
Accordingly, the information provided/ displayed to You are on "As Is" and "As
Available" basis. Please note that Finsall does not control Your
credit score and/or credit information report, which is a
statistical analysis of information contained in Your credit file
as maintained in the system and database of Partner CICs, and we
cannot change that information for You. Neither does Finsall
guarantee the timeliness, accuracy or correctness of any
information contained in Your credit score and/or credit
information report nor shall it accept any liability, whatsoever,
for any errors, inaccuracies or omissions in Your credit score
and/or credit information report or any information provided/
displayed to You, basis Your credit score and credit information
report.
If You believe that any information in Your credit
information report is inaccurate and is affecting Your score, You
may dispute the same by directly contacting the concerned Partner
CIC through its website.
We agree to protect and keep confidential Your credit score and credit information report,
both online and offline. We collect, use and disclose information
about You as per our Privacy Policy. We recommend You go through
our Privacy Policy to understand the same.
Will Finsall change privacy policy in the future?
This policy provides a general statement of the ways in which Finsall aims to protect your information. You may, however, in connection with specific products or services offered by Finsall, be provided with privacy policies or statements that substitute or supplement this policy. The terms and conditions of this policy may be changed from time to time, without your consent (express or implied) to reflect changes in our practices concerning the collection and use of your information. The revised policy will be effective immediately upon posting to our web site unless otherwise mentioned.
This version of the policy is effective from 7th October, 2015. The revised Privacy Policy shall bind you and it is your sole responsibility to check the same from time to time. You acknowledge that no knowledge of the revised Privacy Policy shall be a defence in any proceedings with regard to the Privacy Policy.
Your Consent By accessing our Website and using it on a continued basis, you expressly consent and confirm to Finsall collecting, maintaining, using, processing and disclosing your Personal and other Information in accordance with this Privacy Policy. I have a complaint/concern In accordance with the relevant provisions of the Information Technology Act, 2000 and Rules made thereunder, the name and contact details of the Grievance Officer who can be contacted with respect to any complaints or concerns including those pertaining to breach of Finsall's Terms of Use, Privacy Policy and other polices or questions are published as under: Grievance Officer's Email: grievances@finsall.com Name of the Grievance Officer : Mr. Tim Mathews, Contact Number: 9902519797
By accepting the privacy policy, you expressly consent to Finsall's collection, retention, analysis, use and disclosure of your personal information in accordance with this privacy policy.