Privacy Policy
This policy is applicable to all the existing customers, prospect customers and persons (“User”) who visit the office/branch and/or any ‘Digital Property’ belonging to FDPL Finance Private Limited (“ FDPL Finance “).
The reference made to
1. The term FDPL Finance would mean FDPL Finance Private Limited in this Policy;
2. The term Digital Property would mean website , and/or any other electronic application.
Your valuable consent: This Privacy Policy explains the type of information of the User that FDPL Finance collects, its purpose, its salient features etc. as detailed below. By using our website/application and by availing various products/services from FDPL Finance, User consents to the terms of this Privacy policy (“Privacy Policy”) in addition to the terms of use of the mobile application (if and when available), website and product documents. We encourage the User to read this Privacy Policy regarding the collection, use, and disclosure of information by the User from time to time to keep itself updated with the changes & updates that we make to this Policy.
Data:
FDPL Finance collects personal data or information about you from a variety of sources, including:
● Online and electronic interactions including via FDPL Finance websites, text messaging programs or through FDPL Finance branded pages or applications on third-party social networks
● Offline interactions with FDPL Finance , including via direct marketing campaigns, hard copy registration/application forms, competition entries and contacts through FDPL Finance consumer services call centres; and Interaction with online targeted content (such as advertisements) that FDPL Finance, or service providers on our behalf, provide to you via third-party websites or applications.
Consent:
The FDPL Finance shall obtain Your consent in writing (and includes electronic consent) before collecting Personal Information for providing Services. Personal information for purposes of this Policy includes information that identifies you, such as Your name, date of birth, bank account details or credit card or debit card, phone number, fax number or email address etc and include gender, marital status, city of residence. All Personal Information so provided will be on an ‘as on’ basis and FDPL Finance shall not be responsible for the authenticity of the Personal Information supplied by you. Personal Information which is provided or collected from you are solely for the purposes connected with the Terms of Use which has been agreed by you to provide various products or services or facilities by FDPL Finance / Facility Provider / Third Party Service Entity.
Services shall include all provisions of services and facilities and connected activities which are provided in connection with the offering of products and services as a customer of FDPL Finance
You have the option not to provide or agree to the collection of Personal Information. If you choose not to agree with the Policy, you will not be entitled to use the Services as per the Terms of Use. You can also anytime withdraw the consent you provided by writing to us at 1, Ajit CHS Ltd, Plot-20, Khandelwal Layout, Malad West, Mumbai-400051 or email at [email protected] and making a request for termination of the services agreed upon as per the Terms of Use.
Purpose:
FDPL Finance needs this information to operate and provide various products and services. FDPL Finance use, transmit and disclose Your Personal Information only as follows:
● To fulfil Your requests for products and services offered and subscribed and accepted by you and to contact you either through FDPL Finance or their third-party service providers through any channel of communication including but not limited to email, telephone, sms, etc.
● To deliver to you any administrative notices, alerts, advice and communications relevant to Your use of the Service To FDPL Finance and its authorised agents and other third-party services providers in so far as required for joint marketing purposes, for providing information about products/services of other FDPL Finance and/or to offer similar services to provide you with various value-added services and information including for authentication purposes to enable linking of Your products held with FDPL Finance to third-party contractors that provide services to FDPL Finance and are bound by these same privacy restrictions; for market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or identification of other criminal activity;
● To conduct a check on Your credit information with any of the credit bureaus or to conduct a background check either by their employees or through any third-party vendor. with the above mentioned parties including with any regulatory, statutory or judicial authorities for compliance with any law or regulation in accordance with this privacy policy to enforce Terms of Use;
● All such Personal Information collected shall be retained so long as you are having account/product with FDPL Finance or by any of its third-party service entities/service providers (“Third Party Service Entity”) and remain active to avail various services/products or as may be required under the law or as per applicable policy on data retention if any. In case of deactivation/termination of the account/services with FDPL Finance, the Personal Information provided may no longer be used for providing the services/facilities and the same may also get removed upon the expiry of the maximum tenure as may be prescribed under the provisions of the law as applicable or the policy on data retention if any. Unless the Personal Information is purged permanently, the Personal Information may remain on the servers and FDPL Finance may however use the Personal Information for data analytics purposes and procedures for improving provisions of services/facilities by them in a non-identifiable manner.
Update Personal Information
FDPL Finance / Third Party Service Entity encourages you to update this information as and when there are any changes. You are also entitled to review the information provided and ensure that any Personal Information or sensitive personal data or information found to be inaccurate or deficient be corrected or amended as feasible. However, FDPL Finance shall not be responsible for the authenticity of the Personal Information or sensitive personal data or information supplied by you.
Sharing/Transfer/Disclosure of Personal Information
Your Personal information will not be sold or otherwise transferred to unaffiliated third parties unless otherwise stated at the time of collection or without Your approval as the case may be. However, FDPL Finance might share, exchange and disclose information to its affiliates and/or group companies, authorised agents or any third-party service provider to deliver you products and services in the manner agreed by you as specifically stated under this Privacy Policy supra.
FDPL Finance or any Third Party Service Entity treats Your Personal Information or Your use of the Service as private and confidential and does not check, edit, or reveal it to any third parties except where it is expressly agreed where it believes in good faith, such action is necessary to comply with the applicable legal and regulatory processes, or to protect and defend the rights of other users or to enforce the terms of service. FDPL Finance or any Third Party Service Entity may disclose Personal Information where it is under legal obligation to do so or where it is mandated under the law. FDPL Finance or any Third Party Service Entity may transfer Your Personal Information to another Indian or overseas body corporate that ensures the same level of data protection that is adhered to by FDPL Finance, if it is necessary for the performance of a lawful contract between FDPL Finance or any person on its behalf and you or where you have consented to the data transfer.
Data may be transferred upon a change in control or to other FDPL Finance but only in accordance with this Policy.
Personal information may be transferred to any group company of FDPL Finance at any time or to a third party only as a result of a sale, acquisition, merger, reorganisation or other change in control. If FDPL Finance is sold, merged or transferred to any part of our business, part of the sale may include Your Personal Information.
Unsolicited Information
Except where specifically agreed by You or it is necessary for operational or regulatory reasons, FDPL Finance or any Third Party Service entity will not send you any unsolicited information/communication. However, to help you to take full advantage of the service offerings/facilities/products of FDPL Finance, you will have the opportunity to indicate whether you would like to "opt out" of receiving promotional and/or marketing information about other products, services and offerings from FDPL Finance and/or any third parties etc. If you do not opt out, FDPL Finance may use contact information to send occasional communication pertaining to the said information. You can nevertheless unsubscribe from receipt of such emails by following instructions therein or by communicating accordingly to FDPL Finance.
Retention of Personal Information
FDPL Finance or any Third Party Service Entity shall not retain Personal Information longer than the Purpose for which it is sought is served or is otherwise required under any other law for the time being in force or in accordance with the data retention policy if any. The Personal Information so collected shall be used only for the purpose for which it is collected and in the manner agreed by you. Personal Information however may remain on the servers unless otherwise deleted or purged permanently.
Third-Party Services
FDPL Finance or its LSP / Third Party Service Provider Entity may sometimes permit third parties to offer subscription and/or registration-based services through its Website. FDPL Finance are not responsible for any actions or policies of such third parties and You should check the applicable privacy policy of such party when providing personally identifiable information. Further, FDPL Finance will not be responsible if You do not get the benefits announced if any, by the said third parties permitted to offer subscriptions or services on its site.
Use of Cookies
FDPL Finance / its websites may use "cookies" (information stored on Your computer/Your Computer Resources which include mobile phones) by your browser at our request). "Cookies" is a term generally used for small text files a website can use to recognize repeat users, facilitate the user's ongoing access to and use of the site, allow a site to track usage behaviour and compile aggregate data that will allow content improvements and targeted advertising, preferences etc. Cookies themselves do not personally identify you, but they do identify Your computer, computer resources and devices connected with computer resources and including Mobile phones. Generally, cookies work by assigning a unique number to the computer that has no meaning outside the assigning site. You are also being made aware that FDPL Finance cannot control the use of cookies or the resulting information by advertisers or third parties hosting data on the respective FDPL Finance website. If You do not want information collected through the use of cookies, you may change the settings in the browsers that allow to deny or accept the cookie feature as per Your discretion and in the manner agreed by you.
Links to other sites
Our website(s) has links to other website(s) on the World Wide Web. The privacy policies of these website(s) are not under our control. Once you leave our servers, the use of any information you provide is governed by the privacy policy of the operator of the site you are visiting. It is advisable to read their privacy policies for further information.
Children
This website is not intended for use by children and minors. Parents are requested to ensure that Personal Information is not provided by minors.
Blocking IP Addresses
FDPL Finance uses the help of Internet Protocol ("IP") addresses to diagnose any problems with its server and to administer its website including blocking certain addresses that it feels are inappropriately using its website. IP addresses are used to gather broad demographic information, such as browser types, visitor's country, visiting frequency, operating systems, etc.
Security of Data
FDPL Finance could be subject to verification by a third party for its use of SSL encryption technologies and may also be audited by the third-party auditor for security practice as deemed fit.
Change in Privacy Policy
FDPL Finance reserves the right to change the Policy at any time. You may note that this Policy itself and any such change of policy will be effective from the date of posting on the site.