Please carefully pursue this Privacy Policy. M/s. E-Savari Rentals Private Limited, operating under the brand name "Finle" (Hereinafter referred to as "Company" or "We" or "Us" or "Our"), The Company respects your privacy and aims to comply with applicable legal requirements under the Information Technology laws, Data Protection Laws and RBI Guidelines governing data collection, storing, processing, and transfer. This Privacy Policy are supplementary to, but not limited to, the Cookies Policy and other relevant Terms and Conditions of Company (as displayed on the website/app- “www.finle.in”. These terms and conditions apply to all ("Visitors," "Consumers," "Users”) collectively referred to as "You" or "Your" hereinafter. We request you to carefully read our Privacy Policy and feel free to get back to our Grievance Redressal Officer in the event you require any clarification in respect of our Privacy Policy. We also request you to review our Privacy Policy from time to time because your use of our products and services implies your acceptance of our prevailing Privacy Policy. When a User enters the website and accepts its terms and conditions, the policy becomes operative on that date and time. Before making use of our Services, user acknowledges to thoroughly read this Privacy Policy and our Terms of Use. The Company is dedicated to protecting its Users, data providers in every way because it values its confidentiality. Information provided by Users and information automatically monitored while navigating make up the Company’s collection of User information (Information). By using the website or its services, you agree that we may gather, store, use, transfer, share, and distribute your personal information (and any updates you provide) in connection with any of the services we provide. APPLICABILITY This Policy applies to all the clients, customers, users and consumers of Finle services and products as well as the individuals, companies or entities that access the Company’s Website. The Policy also to applies to any person, whether an individual or a legal entity who has visited the website (whether on a paid or free basis) as a customer. By providing us with your personal information you expressly consent to us processing your personal information in accordance with the terms of our privacy policy. This Privacy Policy provides insights into the following areas: - Information We Collect: We describe the types of personal and non-personal information we collect from you. - How We Use Your Information: We explain how we utilize your data for various purposes, such as order processing, customer service, marketing, and website improvement. - Information Sharing: We outline the circumstances under which we may share your information with third parties. - Your Choices and Rights: We inform you about the options and rights you have regarding your personal information, including opting-out of marketing communications and exercising your data subject rights. - Data Security: We detail the measures we take to protect your information and maintain data security. - Children's Privacy: We outline our approach to handling personal information of individuals under the age of 18. - Changes to the Privacy Policy: We explain how we will notify you of any material changes to this policy. - Contact Information: We provide you with details on how to get in touch with us for any privacy-related questions or concerns. 1. WHAT INFORMATION DO WE COLLECT There are two types of information we collect: Personal and Non-Personal Information. A. Personal Information We gather your personal information that you explicitly provide and share with us- such as your name, date of birth, phone number, PAN Number, and bank slips. Likewise, we will gather credit-related data from other sources, such as the credit bureau CIBIL and other comparable organizations. Additionally, we ask for permission to access your messages (SMS data), storage, and phone/device state and collect information about other applications that you have installed on your device. Collecting this personal information enables us to offer you a digital experience that will help us to deliver our services to you. We collect personal information when you: 1. Register / Apply for our services 2. Applying for a new product /service from us or from our lender partners 3. Download and use our mobile application from Google Play or any other platform. The website/app of E-Savari or its affiliates, along with the Application, is exclusively meant for users who are 18 years old or above. Therefore, we guarantee that we will not intentionally gather or utilize any personal data from people we suspect to be younger than 18. Furthermore, we will remove from our database any information that we know comes from someone who is younger than 18 years old. B. Non-Personal Information In addition to your personal information, we also gather your non-personal information to provide you with a smooth experience while availing our services. When you visit digital properties we own / control (e.g. our website, mobile app, etc), we typically collect the IP address of the device you use to connect to the Internet, information such as what browser, browser version, the operating system you have, the website you came from or the advertisement you viewed or clicked on. Further, when you browse the Company website, view our emails/SMS, use your mobile site/app or the companies we work with, use cookies and/or pixel tags to collect information, and store your online preferences. Cookies are widely used and most browsers are set up to accept them automatically. If you would prefer, you can choose to not accept cookies. It's important to note that cookies and pixel tags do not capture any information that can personally identify you. All the non-personal information collected is to enhance your experience with us. 2. YOUR CONTROL OVER THE INFORMATION COLLECTED a. In order to provide you best of our services, the Company and the third-party tools the Company uses shall require your consent to gather your personal information such as your name, phone number, device information, and other kind of information mentioned in this privacy policy. Any personal information you provide will be provided as-is, and the Company will not be held liable for the veracity or accuracy of the data you provide. The veracity and/or accuracy of the personal information you provide for purposes related to the terms of use that you have agreed to in order to use our application to obtain services is entirely your responsibility. b. You have the option to withdraw your consent to cease the collection of your personal information. You can inform us about the withdrawal of the consent you provided by writing us at care@finle.in. However, in the case of you withdrawing such consent, the Company shall have the option to stop providing you the Services for which the information was sought. You will not be eligible for a refund of any fees paid in such event. c. Furthermore, as may be necessary by law, customary practice, credit reporting, statistical analysis and credit scoring, verification, or risk management, you grant Company the permission to exchange, share, and part with all of your information pertaining to the specifics and transaction history to its affiliates, banks, financial institutions, credit bureaus, agencies, and participation in any telecommunication or electronic clearing network. The Company will not be held responsible for the use or disclosure of such information. 3. HOW DO WE USE THE INFORMATION COLLECTED We use the information collected from you for the following purposes: a. To provide you with the services you have availed and subscribed to; b. To communicate with you for the purposes related to the service; c. To collect subscription fees for the services rendered to you, notify or contact you regarding any issues with the Application or its website, share your information with its group companies and other pertinent third parties as needed, or offer you similar services with various value-added services; d. To determine trends or metrics concerning how users are engaging with our online properties including our webpage; e. For project management, issue solving, error and fraud detection and prevention, and other criminal activity; f. To independent contractors who work for the Company and are subject to this policy. In addition, we might gather and utilize this data in other ways that are allowed by the relevant laws. 4. WHO DO WE DISCLOSE YOUR INFORMATION AND WHEN We don't rent or sell your personal information to third parties. Only with your express consent or as otherwise specified in this policy. However, we may share your information in the following cases- A. Administrative and Legal Reasons We may access, use, preserve, transfer, and disclose your information (including Personal Information) to third parties: a. To comply, if in our good faith judgment, with any applicable law, regulation, governmental request, or legal process; b. To safeguard and/or defend the terms of service for any of our services as well as any other rules that may be relevant, including looking into possible infractions; c. To identify, stop, or take other appropriate action regarding fraud, security, or technical issues; and/or; d. To safeguard the rights, safety, property, or security of the Services or any third party. B. Business Transfer For internal business purposes, we might disclose your information to our parent company, subsidiaries, and affiliates, including your Personal Information and Usage Information. Additionally, we reserve the right to transfer and disclose all of this information to the following parties: a. A future owner, co-owner, or operator of the Services or relevant database; or b. In connection with a corporate merger, consolidation, restructuring, sale of a significant portion of our membership interests and/or assets, or other corporate change, including during any due diligence examination. C. Third Parties Providing Services on Our Behalf Certain services, like hosting the Services, creating and/or managing the features of the Services, monitoring the Services analytics, or handling other administrative tasks, may be carried out by third-party vendors on our behalf. To enable these vendors to complete the services they are completing for you or for us, we may grant them access to user data, including Personal Information. However, as part of our contract with these third-party vendors, we limit their use of this information and mandate that they use it only to carry out services for us. 5. SECURITY a. We implement the necessary security precautions to guard against unauthorised access to, as well as unauthorised data alteration, disclosure, or loss. To prevent unauthorised access to the systems where we keep personal data, these include internal reviews of our data gathering, storage, and processing practises and security measures, such as appropriate physical security and encryption. The database is kept on servers protected by a firewall, and access to the servers is tightly controlled and password-protected. No security system is impenetrable, despite how efficient our security measures are. Both the security of our database and the safety of the information you provide while sending it to us over the Internet are not guaranteed by us. b. In order to prevent the loss, misuse, and alteration of the information under our control, we take economically reasonable security precautions. The security of any material shared with us, however, is not something we can guarantee in full. c. Users are always responsible for keeping their password, email address, and other account details confidential and accurate. Any personal information that is transmitted to a third party as a consequence of inaccurate account-related information is not the company's responsibility. d. Links to other webpages may be found on our website. When you visit another website, the company is not responsible for any information misused by the owner of that website. 6. CHANGES IN PRIVACY POLICY The Company reserves the right to modify this online privacy statement at any time. The last time this statement was updated or materially altered is indicated by the effective date, which is listed below. You can find out if there have been any changes since you last looked over the statement by looking up the effective date below. 7. RETENTION OF INFORMATION Your sensitive personal information will not be kept by the company longer than is necessary for the purposes for which it may be used lawfully or as required by any other current laws. 8. GRIEVANCE OFFICER 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 in writing or through email on care@finle.in. Details of Grievance Officer – Name – Vivek Rathore Contact – 9713134701 Email - care@finle.in