Effective Date: [07/12/2024]
CapiFy Sales and Distribution Services India Pvt. Ltd.
Website: www.capifyindia.in
At CapiFy Sales and Distribution Services India Pvt. Ltd., We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and share the personal data you provide when using our website (www.capifyindia.in) and services, including the loan products we offer. By using our website or services, you consent to the practices described in this policy.
1. Information We Collect
We collect both personal and non-personal information to provide and improve our services. The types of information we collect include:
- Personal Information: This may include your name, contact details (such as phone number and email address), residential address, date of birth, occupation, financial information (such as income, expenses, and bank account details), identity verification documents, and other information necessary for loan application and processing.
- Non-Personal Information: This includes details about your usage of our website, such as your IP address, browser type, device information, cookies, and browsing activity.
2. How We Use Your Information
CapiFy uses the collected information for the following purposes:
- Loan Processing: To process and assess your loan application, verify your identity, and determine your eligibility for loan products.
- Customer Support: To respond to your inquiries, assist, and resolve any issues related to your account or loan application.
- Marketing and Promotions: To send you marketing communications (with your consent) about our products, services, offers, or updates that may be of interest to you. You can opt out of receiving marketing emails at any time.
- Improvement of Services: To enhance the functionality and user experience of our website and services based on your feedback and usage patterns.
- Legal Compliance: To comply with legal, regulatory, and contractual obligations, such as reporting requirements and fraud prevention.
3. How We Collect Information
We collect information in the following ways:
- Directly from You: When you fill out a loan application, create an account, or contact us for support, we collect the information you provide.
- Automatically through Website Usage: We automatically collect certain information when you visit our website or interact with our services, including data about your device, browser, and IP address.
- Third-Party Sources: We may collect additional information from third parties, such as credit bureaus, financial institutions, or government authorities, to verify your information and assess your eligibility for loans.
4. Cookies and Tracking Technologies
We use cookies, web beacons, and similar tracking technologies to enhance your experience while visiting our website. Cookies are small text files placed on your device that help us recognize you, remember your preferences, and improve the functionality of our website.
You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.
5. Data Security
We take reasonable steps to protect the personal information you share with us from unauthorized access, disclosure, alteration, or destruction. This includes the use of encryption technologies, secure servers, and other security measures.
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.
6. Sharing Your Information
We do not sell or rent your personal information to third parties. However, we may share your information in the following situations:
- With Service Providers: We may share your information with third-party service providers that help us process loans, assess creditworthiness, and perform other operational tasks. These service providers are obligated to protect your data and use it only for the purposes for which it was shared.
- With Legal Authorities: We may disclose your personal information if required to do so by law, such as in response to a court order, government request, or legal process.
- For Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring company or entity.
7. Your Rights and Choices
You have the following rights regarding your personal information:
- Access and Correction: You can request access to the personal information we hold about you and request corrections or updates to that information.
- Deletion: You can request the deletion of your personal information, subject to legal obligations and business needs.
- Opt-Out of Marketing: You can opt out of receiving marketing communications by following the unsubscribe instructions in the emails or contacting us directly.
- Withdraw Consent: If we process your information based on consent, you can withdraw your consent at any time by contacting us. This will not affect the lawfulness of processing based on consent before its withdrawal.
To exercise any of these rights, please contact us using the contact details provided below.
8. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including legal, regulatory, or contractual requirements. When we no longer need your information, we will securely delete or anonymize it.
9. Third-Party Links
Our website may contain links to third-party websites or services that are not controlled by CapiFy. This Privacy Policy applies only to CapiFy’s website and services. We are not responsible for the privacy practices of third-party websites, and we encourage you to review their privacy policies before sharing your personal information.
10. Children’s Privacy
CapiFy does not knowingly collect personal information from children under the age of 18. If we discover that a child under 18 has provided us with personal information, we will take steps to delete such information.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically to stay informed about how we protect your information.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the way we handle your personal information, please contact us at:
CapiFy Sales and Distribution Services India Pvt. Ltd.
Website: www.capifyindia.in
Email: [contact@capifyindia.in]
Phone: [8805995875]
By using CapiFy’s website or services, you acknowledge that you have read and understood this Privacy Policy and agree to the practices outlined within it.