This website www.poonawallafinance.com and other related internet based applications (collectively referred to as “website” or “services") owned and operated by Poonawalla Finance Private Limited, a company incorporated under the laws of republic of India having its registered office at S. No. 83 Ground Floor, AP81, Mundhwa PUNE 411036, Maharashtra (hereinafter referred to as “we”, or “us” or our or “PFPL”).
Users please take note that any statements made on PFPL website/applications shall not be construed as an offer or promises for grant of any financial services.
1. Use of Our Website or Services: You will be able to use our website or services as per term of use.
2. Information collected by PFPL:
Information provided by users through our website or services will include details required for availing respective services;
Information from credit bureaus and customer service providers to help PFPL with customer verification and diligence required for PFPL and partners;
Identification Information: Name, gender, residential / correspondence address, telephone number, date of birth, marital status, email address or other contact information, PAN, KYC Status, Signature and Photograph Bank account or other payment instrument details or any other details required for providing services.
Log information: Search queries, IP address, Cache, date and time;
Location information: Your actual location;
Local storage: Browser web storage, application data caches;
Cookies and similar technologies;
Details required for administration or services and product improvement;
Record and/or monitor calls if PFPL feel necessary for quality checks and staff training. Such recordings may also be used to help PFPL combat fraud;
Feedback given by you;
Third-party advertisements: PFPL may use third-party advertising companies to serve ads when you visit our Website/Application. These companies may use information about your usage preferences (but not your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you; PFPL is not responsible for product and services of such websites and is also not responsible for their privacy practices, which PFPL does not own, manage or control;
Retention of information collected: The information collected from you will be retained during the (i) validity of your Account and for the purpose of submission of such information, (ii) As consented by you while creating your User Account (iii) As required by any regulatory norms including but not limited to the norms prescribed under Prevention of Money Laundering Act, 2002;
3. Use of information collected by PFPL: The information will be used by PFPL for the following:
To provide products or services you have requested;
To provide information to our partners to assist in making, credit decisions about you;
To disclose the information under special circumstances such as compliance with the applicable local law, court summons, court orders, requests/order from legal authorities or law enforcement agencies requiring such disclosure.
Search credit bureaus and fraud prevention agencies;
To get in touch with you when necessary and contact you by email, SMS, letter, telephone or in any other way about our products and services;
To identify, prevent, detect or tackle fraud, money laundering, terrorism and other crimes;
To form a view of you as an individual and to identify, develop or improve products, that may be of interest to you;
Provide information to independent external bodies such as governmental departments and agencies, universities and similar to carry out research;
Perform other administrative and operational purposes including the testing of systems;
Trace your whereabouts;
Recover any payments you owe to PFPL or partners;
Comply with our regulatory obligations;
To show you advertisements;
Contact you as a survey respondent;
To maintain records under applicable law or a may apply to pursuant to agreements executed by PFPL;
Carry out, monitor and analyse our business, carry out market research, business, and statistical analysis, audits and also direct our efforts for product improvement;
4. Specific consent
By using the Website/Services you authorize us, our affiliates & our associate partners to contact you via email or phone call or sms and offer you their services/ product, imparting product knowledge, offer promotional offers running on their websites & offers offered by the associated third parties. Irrespective of the fact if also you have registered yourself under DND or DNC or NCPR service, you still authorize to give you a call from PFPL & its associates/partners for the above-mentioned purposes.
Your account information is password-protected for your privacy and security. You shall be the custodian of your password and comply with the applicable terms mentioned in the Website/Application in this regard.
8. Reasonable Security Practices
PFPL uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your personal information. These include internal reviews of our data collection, storage and processing practices and security measures, such as appropriate encryption and physical security measures to guard against unauthorized access to systems where we store personal data.
All information gathered on said website is securely stored within the PFPL controlled database. The database is stored on secured servers; access to which is password-protected and is strictly limited.
To protect your privacy and security, PFPL takes reasonable steps (such as requesting a unique password) to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from PFPL, at all times
Although we use security measures to help protect your personal information against unauthorised disclosure, misuse or alteration, as is the case with all computer networks linked to the internet, PFPL cannot, however, ensure or guarantee the security of any information you transmit to PFPL and you do so at your own risk. Once we receive your transmission of information, PFPL makes commercially reasonable efforts to ensure the security of such information.
PFPL secures your personal information from unauthorized access, use or disclosure. PFPL secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.