Privacy Policy

PRIVACY POLICY

Aparampaar Finance Pvt. Ltd [ hereinafter referred to as AFPL or the Lender]  is an RBI registered NBFC or a Regulated Entity [R.E] engaged in the lending business by  complying with RBI guidelines.

RBI vide circular number RBI/2022-23/111/DOR.CRE.REC.66/21-07-001/2022-23 dated 02-09-2022 has issued guidelines on digital lending requiring all Digital Lending Apps  [DLA]  to be in strict conformity with their guidelines. AFPL has developed their own Digital Lending App[DLA] with the link OMOZING.COM by conforming to RBI guidelines, their  DLA intended for using  it in their own lending operations. The said DLA and the software application run through the internet resource https://www.aparampaar.co.in or through the OMOZING. COM mobile application or on any other media platform shall hereinafter be referred to as the “DLA/Application”. We at AFPL  value online privacy & security while browsing through the DLA and availing the Services available on the DLA. We make every effort to ensure that the relevant information you  provide as a direct loan seeker with us  will not be misused. This privacy policy (“Privacy Policy”) would apply to the  information we collect when you register with AFPL, or when you access or use our DLA, or avail the Loan and facilities on our DLA (collectively the “Services”). Persons using the Services are hereinafter referred to as “Users” or “you”. By accessing the DLA, you are accepting the terms of this Privacy Policy. Our goal in this Privacy Policy is to be completely transparent about the data we collect, why we collect, use, share, store and protect personal information about Users. Any capitalized term used but not defined in this Privacy Policy shall have the same meaning attributed to it in our User Terms and Conditions furnished in our AFPL web portal. We encourage you to familiarize yourself with our policies and let us know if you have any further questions. AFPL is responsible for the Loan and other facilities provided through the DLA. You acknowledge that AFPL, a regulated Entity or a  NBFC would be responsible for the contents displayed on the DLA, loan and other facilities offered.

AFPL reserves the right in its sole discretion to remove any content or data, information or material (“User Content”) from or add/amend contents of the DLA from time to time. The foregoing limitations shall apply notwithstanding any failure of the essential purpose of any limited remedy and to the fullest extent permitted under applicable law.

 Information Collected:

To create an account on AFPL, you must provide us with the basic details and information required as part of our Customer Identification process and you agree to our User Terms and Conditions and this Privacy Policy, which governs and states  how we treat your information. Our DLA   collects only basic information required to provide customized services (for example: loan offers, content, more relevant ads), including your name, photograph from your own mobile phone Camera (per Media Access),user shall  be assured that  no other information stored in their mobile phone will be captured, mailing address, postal code, job title, job history, earning potential and consistency, family details, employer details, phone number, PAN No., in the case of salaried applicants, their  employment information, salary slips, declarations,  description and details in your bank  account, other vital financial information such as bank account etc. You will register with us using your Facebook or LinkedIn account or Google identity (“Third party sites”). You understand that, by creating an account or by registering through Third party sites, we and others will be able to identify you by your AFPL profile. However, we will not be liable under any circumstance for the generation of your profile or the information you provide therein. we will also not be liable for the photographs and data that the Users might upload, the use and misuse thereof. We will ask for your bank account details only for the lending service. All the information that you shall provide us is voluntary, including sensitive personal information.  KYC details and economic/financial details which are essentially required for processing your own loan request as allowed by RBI will only be insisted on from the loan seekers by us who is  a Regulated Entity by RBI. You understand that we may use certain information of yours, which has been designated as ‘sensitive personal data or information’ under the IT Rules for the purpose of providing you the services and for sharing the information only with affiliates who are subject to this Privacy Policy, as will be explained further below.

Data / Cookies :

We may set cookies to track your use of the App. These are used to enhance your experience with our App. We use cookies to help us identify who you are, so your login experience is smooth each time. Cookies also allow us to collect Non-Personally Identifiable Information from you, like which pages you visited and what links you clicked on. Use of this information helps us to create a more user-friendly experience for all visitors.

In addition, we may use Third Party Advertising Companies to display advertisements on our App. By using the app, you signify your consent to our use of cookies. Please note that if you decline or delete these cookies, some parts of the App may not work properly.

 Security Information:

 You can access your personal identity details on our App through your login and password. We recommend that you do not share your password with anyone. In addition, your personal details are stored on a secure server that only selected personnel contractors and authorized Agencies have access to. We encrypt certain sensitive information using Secure Socket Layer (SSL) technology to ensure that your personal details are safe as it is transmitted to us. However, you understand and accept no data transmission over the Internet can be guaranteed to be completely secure. We cannot ensure or warrant the security of any information that you transmit to us and you do so at your own risk. Data pilferage due to unauthorized hacking, virus attacks, technical is possible and we take no liabilities or responsibilities for it.

Privacy Policies of Third-Party Websites :

This Privacy Policy only addresses the use and disclosure of information we collect from you. Other websites/apps that may be accessible through this App have their own privacy policies and data collection, use and disclosure practices. If you link to any such website, we urge you to review such website′s privacy policy. We are not responsible for the policies or practices of third parties. You also permit us to retrieve your personal, public profile and friend list/ contact list from your Facebook or LinkedIn account or Google identity, in case you are using our internet resource and your call history, phone / address book and geo location, in case you are using our OMOZING.COM   mobile application. We will share all information we collect from you, including the personal information with any third party if we in good faith believe it is required for the purposes of our compliance with any applicable law, regulation, legal process or enforceable governmental request/ action or any manner required for the purposes of protecting our rights or interests. These third-party websites and advertisers or internet advertising companies working on our behalf, sometimes use technology to send or serve data that appear on our App. They automatically receive your IP address when that happens. They may also use cookies, JavaScript, web beacons and other technologies to measure the effectiveness of their advertisements and to personalize advertising content. Please be advised that we do not have access to or control over cookies or other features that they may use, and the information practices of these advertisers and third-party websites are not covered by this Privacy Policy. Therefore, we are not responsible for the information or content they may contain, nor are we responsible for the privacy practices employed therein. Please contact them directly for more information about their privacy policies. This Privacy Policy applies solely to information collected by us . Any personal information will be used but not limited to allow you to login to your account or to resolve specific service issues, inform you of our new services or features, or for call center verification, or to communicate with you in relation to your use of the App. Any other information we collect will be used for: A) Our business purposes and this may include the viewing or advertising of services or relating to any associated services; B) Analytical purposes, data usage; C) Improving the Application, or your user experience; and D) Providing targeted advertisements to you. We will share your personal information internally with those staff members who need it to carry out your instructions regarding the receipt of marketing information, Loan Processing, recovery of Loan. We will not disclose your personal information to any third party unless required to do so by law and/or covered under this Privacy Policy. For those Users who have registered for the mailing list, their personal information is kept until we are notified that they no longer want their information stored. Persons who supply us with their telephone numbers may receive communication from us via telephone, text message or emails, pertaining exclusively to new services or any upcoming events. If you do not wish to be on our mailing list, you can let us know of your updated preferences by either emailing us at Care@Aparampaar.co.in or choosing “unsubscribe” option. In order to provide and improve our services and to share relevant ads with you, we use and disclose to our advertising and analytics partners non personally identifiable information that we collect, including cookie data, some log data, and mobile data. Our App complies fully with all the applicable and relevant laws of India. Our App complies fully with all the applicable and relevant laws of India. Efforts made to fully comply with RBI guidelines on digital lending.

Disclosure:

 We respect that you do not want your personal information to be shared with other companies at any time. However, we may require you to share your Personal Information/ Sensitive Information with our affiliates, business and non-business partners including but not limited to credit information companies, where we feel that you will be assisted better for the purpose of underwriting and approval of your loan or any other financial product transaction/related transaction. We share information as described below in accordance with this privacy policy. We will keep your personal information confidential and limit access to it to those who specifically need it to conduct their business activities, except as otherwise permitted by applicable law.

Third party advertisers:

Third party service providers: We may employ other companies and individuals, call centers, payment gateways, banks to perform functions on our behalf. Examples include delivering e-mail, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links) and providing customer service. They have access to personal information needed to perform their functions, but may not use it for other purposes. Further, they must process the personal information in accordance with this Privacy Policy and as permitted by applicable law. Business Transfers: As we continue to develop our business, we might sell or buy business units. In such transactions, customer information generally is one of the transferred business assets but remains subject to the promises made in any pre-existing Privacy Policy (unless, of course, the customer consents otherwise). Also, in the unlikely event that  our assets or substantially all of its assets are acquired, customer information will of course be one of the transferred assets.

 Protection of App:

 We release personal information when we believe, release is appropriate to comply with the law; enforce or apply our User Terms and Conditions and other agreements; or protect the rights, property or safety of the App, our users or others. This includes exchanging information with other companies, organizations, government or regulatory authorities for fraud protection and credit risk reduction. If you are no longer interested in sharing your Personal and Sensitive Information, please email your request at:  Care@Aparampaar.co.in .

Please note that it may take about 72 business hours to process your request. Information may have to be shared with   the Government and other judicial bodies as required under the law in order to comply with the legal obligations (without the prior permission of customers). • AFPL website shall also contain links to the other websites. Customers are requested to go through the respective privacy policies disclosed under the relevant sites to familiarize themselves.

Policy Changes:

 We may update this Privacy Policy to reflect changes to our information practices. You are encouraged to check this privacy policy on a regular basis to be aware of the changes made to it. Continued use of the services and access of the App shall be deemed to be your acceptance of this privacy policy. General Matters— The Accuracy and Confidentiality of your Account Information is your Responsibility. You are responsible for maintaining the secrecy and accuracy of your password, email address, and other account information at all times. We recommend a strong password that you do not use with other services. We are not responsible for personal data transmitted to a third party as a result of an incorrect email address.

 Confidentiality and Security:

We use commercially reasonable security measures to protect the loss, misuse, and alteration of the information under our control. However, we cannot absolutely guarantee the protection of any information shared with us. We make all User information accessible to our employees, agents or partners and third parties only on a need-to-know basis, and bind all such employees to strict confidentiality obligations Notwithstanding the above, We are not responsible for the confidentiality, security or distribution of your personal information by our partners and third parties outside the scope of our agreement with such partners and third parties. Further, We shall not be responsible for any breach of security or for any actions of any third parties or events that are beyond our reasonable control of  including , acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of Internet service or telephone service of the User etc. Please be aware that you can opt out of receiving service messages from us.

Contact Us:

If you have any questions or suggestions or wish to make a complaint you can contact us at Care@aparampaar.co.in  or write to us at the following address: #6 Prestige Augusta Golf Village, Kada Agrahara  Main Road,opp. Sri Saibaba temple, Rampura, Bangalore 560049.

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