Dipika Fincon Pvt Ltd values the users (“you”, “your” or
“user”) of our website (www.Dipika Fincon Pvt Ltdhomeloan.com) or the Dipika Fincon Pvt
LtdAgent mobile application (hereafter collectively referred to as “Website”) and is
committed to protecting your privacy and personal information. We understand that you may be
concerned about the collection, use, and disclosure of the personally identifiable
information (“Personal Information”) supplied by you during the course of usage of our
Website and the services offered therein. This Privacy Policy describes the information that
we collect from you, how we collect this information, and what we do with it after we
collect it. By using the Website or by providing us your information, you agree to be bound
by the practices described in this Privacy Policy, and also give consent to the use of your
Personal Information by Dipika Fincon Pvt Ltd in accordance with the terms set out in this
Privacy Policy. ‘Personal information’ for purposes of this Policy means information that
identifies you, such as your name, address, phone number or email address etc.If you have
any questions or comments regarding this Privacy Policy, please email us at ?.
1.THE APP AND CLIENTS
Company has developed and solely owns mobile personal
finance software applications called “Dipika Fincon Pvt Ltd Agent” and ”Dipika Fincon
Pvt Ltd Consultant” (“App”, which expression shall include future releases of the App).
Company makes the App available for download and use on mobile phones to clients
(“Clients”). Downloading and installing the App shall be deemed to constitute sufficient
proof that Clients have read, understood and accepted this Policy.
2. PERSONAL INFORMATION
“Personal Information” means the Transaction Information
as defined in the Terms of Service and includes information that is contained in text
messages (that is, SMS) sent by providers of services and/or products (including but not
limited to financial institutions, mobile carriers and utility companies) to Clients’
mobile telephone number(s) in connection with one or more transactions across multiple
financial accounts (including purchase, payments, billing information and service
notifications related thereto). Without limitation, Transaction Information includes:
Mobile phone numbers of Clients
Email addresses of Clients
Partial payment card data only to the extent such card
data is disclosed in the said messages
Information related to the transaction in question
including identity of the service or product and the price or fee paid or payable in
respect thereof.
3. PURPOSE OF COLLECTION AND USE OF PERSONAL INFORMATION
Company may collect, store, access and use Personal
Information solely to the extent required for Company to enable Clients to utilize the
features of the App and to provide better user experience to Clients. Such use shall
expressly include sharing the Personal Information with Affiliates and Lenders.
4. USAGE OF GOOGLE ADVERTISING ID
As per the terms of Google Play Services, the Company
shall use the Google advertising ID when available on a device, only for advertising and
user analytics purposes. The Company may share this ID with advertising partners only
for the purpose of advertising.
The Company shall not connect the advertising ID to any
personally-identifiable information without the explicit consent of Clients. The Company
shall abide by reset and “Opt out of Interest-based Advertising” settings of Clients.
5. DATA USE AND PRIVACY
Some functionality of the App may require the
transmission of information provided by the User including user names and passwords,
mobile numbers, addresses, e-mail addresses, financial information (such as credit card
numbers) or GPS location (“User Information”).
Please do not submit any personal information or data
without first reading the Dipika Fincon Pvt Ltd Privacy Policy which explains Dipika
Fincon Pvt Ltd’s data use and privacy practices in detail. If the User uses such App
functionality, the User shall be deemed to have consented to the transmission of User
Information to Dipika Fincon Pvt Ltd, its agents and/or service providers and authorizes
Dipika Fincon Pvt Ltd, its agents and/or service providers to record, process and store
such User Information as necessary for the App functionality and for purposes described
in the Dipika Fincon Pvt Ltd Privacy Policy.
All information which User provides in connection with
the App, Services or these Terms shall be current, true, accurate, supportable and
complete. User shall promptly notify Dipika Fincon Pvt Ltd in writing of any changes to
such information.
The User is solely responsible for maintenance of the
confidentiality and security of any User Information transmitted from or stored on a
device for purposes of the App, for all transactions and other activities undertaken in
the User’s name, whether authorized or unauthorized.
The User agrees to immediately notify Dipika Fincon Pvt
Ltd of any unauthorized transactions associated with the App or any other breach of
security. To the extent possible under the law, Dipika Fincon Pvt Ltd shall not be
responsible for any losses arising out of the loss or theft of User Information
transmitted from or stored on a device or from unauthorized or fraudulent transactions
associated with the App
As servers may be located in other jurisdictions your
personal data and User Information may be transferred to, stored, used and processed in
a jurisdiction other than India. You understand and consent to the transfer of personal
data outside India.
6. LAW AND DATA PROTECTION
Dipika Fincon Pvt Ltd can share your information with
government agencies regulated under the law, without obtaining your prior written or
verbal consent, in order to receive information for the purpose of verifying identity or
detection, investigation, prevention including prosecution, cyber incidents, punishment
of offences etc, where disclosure is mandatory to comply with any legal obligations. Any
information can be needed to be disclosed with third party by Dipika Fincon Pvt Ltd by
any order as per the law for time being in force.
Unsubscribe In case you are not interested to receive
email announcements or other marketing information from our end, then please email your
request at info@Dipika Fincon Pvt Ltd.net. It may take us about 10 days for processing
your request.
7. PURPOSE OF USER DATA COLLECTION
Dipika Fincon Pvt Ltd will collect your information and
data when you register for an account or use its services or products, visit the site
pages or when you enter sweepstakes or promotions as featured on website. On registering
with this website, you may be asked for your first name, last name, email address, state
and city of residence, gender, and date of birth. You are not anonymous to Dipika Fincon
Pvt Ltd.net, once you register and sign at the website.
You can be asked for your contact number at the time of
registration and can be send SMS notifications about the sit’s services to your wireless
device. By registering with Dipika Fincon Pvt Ltd.net, you authorize us to send you
email and text alerts to you with your login details and other service needs, along with
promotional SMSs or emails.
Your information is used to:
Administer or carry out obligations of the site in
relation to any agreement with our business partners
Process orders or applications submitted by you
Respond to queries or requests submitted by you
Resolve or anticipate problems with any Services supplied
to you
Send you details about special offers or promotions. We
may inform you of new products or features. These might be of a third-party offers or
products, with which our website has a tie-up or our own offers or products
Send you , communications, alerts, notices relevant to
your use of services or products offered on Dipika Fincon Pvt Ltd
Improve the website and services provided by Dipika
Fincon Pvt Ltd.net. We are authorized to combine details we receive from you with
information you receive from third-parties
Some features on this website or our services shall
demand you to give personally identifiable information as state by you under your
account section at the website
As otherwise mentioned in this Privacy Policy
8. SHARING OF PERSONAL INFORMATION WITH THIRD PARTIES
Company shall not publish, sell, give on rent, trade or
otherwise transfer Personal Information to third parties, except as may be required by
law, or pursuant to the order of a court or regulatory authority, or in order for
Company to enforce its rights, or as expressly stated by this Policy. In the event
Company needs to share Personal Information with third parties, Company shall enter into
non-disclosure agreements or equivalent covenants that are, at the least, as protective
as the provisions of this Policy.
9. CHOICE
Company reasonably presumes that Clients who make
available Personal Information to Company are doing so out of their own volition.
Company does not compel Clients to disclose Personal Information. At any time, Clients
may opt not to provide Personal Information by uninstalling the App.
10. CORRECTNESS AND INTEGRITY OF PERSONAL INFORMATION
Company accesses Personal Information as aforesaid from
SMS messages on an ‘as is’ basis. Therefore, Company shall not be responsible in any way
for the correctness, completeness and integrity of any Personal Information collected
hereunder.
11. SECURITY
Company shall take all reasonable precautions by way of
using current industry standard encryption technologies to protect Personal Information
from loss, misuse and unauthorized access, disclosure, alteration and destruction.
12. AUTHORISATION FOR CONTACT
By registering and/or using www.Dipika Fincon Pvt
Ltd.net, you give authority to Dipika Fincon Pvt Ltdand its affiliates, partners,
representatives etc to:
Offer you Services for the product you have opted for
To contact you via email or phone call or SMS
Provide product knowledge
Offer promotional offers running on Dipika Fincon Pvt
Ltdand offers by its associated third parties and business partners
13. LIMIT OF LIABILITY
Notwithstanding anything to the contrary in this Policy
or any other terms of service or use applicable as between Company and Clients,
Company’s aggregate liability hereunder shall be limited to Rs.1000/- (Rupees One
Thousand Only) and shall not extend to any indirect or remote damages whatsoever,
including but not limited to special, incidental, consequential, or punitive damages or
loss of profits.
14. ENFORCEMENT
For any inquiries and complaints, the following email
address may be used: Dipika Fincon Pvt Ltd@Dipika Fincon Pvt Ltd.in. All inquiries and
complaints shall be looked into promptly and without charging any fee to the inquirer /
complainant.
15. COMPLIANCE
Company shall always cooperate with regulatory
authorities and investigating agencies in India in the matter of treatment of Personal
Information.
16. AMENDMENTS
Company may modify this Policy in its sole discretion at
any time. While Company shall make best efforts to notify Clients of any such
modification, it shall be Clients’ responsibility to read and understand the Policy as
prevalent from time to time. Installation of the App shall be deemed to constitute
acceptance of the Policy as amended.
17. DND
By registering your phone number on Dipika Fincon Pvt
Ltd.in, you expressly authorize us to override the national Do-Not-Disturb Registry
(DND) i.e. – even if your registered phone number falls under DND list of National
Consumer Preference Registry (NCPR/NDNC), you voluntarily allow us the authority to
call, sms about its products, services and promotional offers. You also accept &
agree to our Privacy Policy.
18. DISCLOSURE OF INFORMATION TO THIRD PARTIES
Disclosure to Successors: We may disclose your Personal
Information to any successor-in-interest of ours, such as a company that acquires us. In
the event Dipika Fincon Pvt Ltd goes through a business transition, such as a merger or
acquisition by or with another company, or sale of all or a portion of our assets, we
reserve the right to transfer or share any information we have about you with such
entity and the use of the information thus shared shall be governed by the Privacy
Policy of that entity. You will be notified via email or by a notice on our Website of
any such change in ownership or control of your Personal Information.
Disclosure to Third Party Service Providers and Online
Partners: We may contract with various third parties who help us provide, maintain and
improve the Website and Dipika Fincon Pvt Ltd Services. For example, we use a third
party to process payments made to us, and may subcontract out production, fulfillment,
analytics, reporting or other operations. We also contract with several online partners
to help us manage, monitor and optimize our Website and the Dipika Fincon Pvt Ltd
Services and to measure the effectiveness of our advertising, communications and
customer/visitor behavior. We use commercially reasonable efforts to prevent such third
parties from disclosing your Personal Information, except for the purpose of providing
the services in question. We cannot guarantee that such third parties will not disclose
your Personal Information.
Disclosure of Non-Personal Information: We will disclose
Non-Personal Information, in aggregate form, to potential strategic partners,
advertisers, investors, customers, and others. You may not opt-out of the sharing of
this information. However, such non-personal information cannot be easily used to
identify you personally.
Internet Advertising: We may use third party service
providers to serve ads on our behalf across the Internet and sometimes on the Website.
They may collect anonymous information about your visits to our Website, and your
interaction with our products and services. They may also use information about your
visits to this and other websites to target advertisements for goods and services. This
anonymous information is collected through the use of a web beacon, which is industry
standard technology used by most major websites.
Disclosure to Credit Rating Agencies: To make an
improvement in its business and service quality, Dipika Fincon Pvt Ltd may share the
personal information of a user with Credit Rating Agencies or as may be directed by any
government regulatory/ statutory authority.
19. DATA COLLECTED BY THIRD PARTIES AND THIRD PARTY
ADVERTISING
Dipika Fincon Pvt Ltd may use third party service
provider for serving ads on our behalf over the internet and perhaps on the site as
well. They can collect anonymous information regarding your visits to website and
interaction with our services and products. They can also utilize details about your
visits to our website or other sites for targeted advertisements of services and goods.
This anonymous data is taken from use of pixel tag that is industry standard technology
utilized by many major websites. None information that is personally identifiable is
used or gathered in this process.
There may be other sites or affiliates linked to Dipika
Fincon Pvt Ltd.net. Any personal details you provide to these websites or affiliates are
not our property. Such affiliated sites can gave different practises for privacy, and
terms and condition, and thus we encourage you to be updated with their privacy policies
and other terms when you visit them. There a number of services and products such as
loan and credit card by third parties on our website, like lenders, credit card issuers,
banks and others.
Such companies can utilize information (excluding
address, email address, name and/or telephone number) regarding your visits to the
website for offering advertisements on the site or other third party websites relevant
to goods and services which may or may not interest you. If you choose to apply for
products and/or services separately or disclose details to such providers, then
utilization of your details is governed by their Privacy Policies.
20. PROTECTION OF PERSONAL INFORMATION
Personal Information: Whenever we obtain your Personal
Information, we use security policies and procedures to protect it from unauthorized
access or disclosure. To make sure your personal information is secure, we communicate
our privacy and security guidelines to our employees and strictly enforce privacy
safeguards within the company. However, we cannot provide any absolute guarantee of the
security of your Personal Information. Accordingly, we assume no liability for any
disclosure of data due to errors in transmission, unauthorized third party access or
other acts of third parties, or acts or omissions beyond our reasonable control.
Website Content: The content that you store, post, or
transmit on or through the Website, may be accessed by other users, including people
that you do not know. We are not responsible for the actions of others. Therefore, you
should use care in communicating with other users and only disclose your Personal
Information to other users that you know to be trustworthy. You are responsible for
maintaining the confidentiality of your account information and we recommend you to
choose your password carefully, and keep your password and computer secure by signing
out after using our services.
21. REVIEWING AND CHANGING YOUR PERSONAL INFORMATION
You can obtain a copy of your personal information and
request that we correct errors if any, in the same by sending us an email at ?. For your
protection, you will be required to provide proof of your identity to obtain a copy of
your personal information. You may also opt out of receiving promotional communications
from Dipika Fincon Pvt Ltd or opt-out of sharing your personal information with third
parties by emailing us about the same.
If your personal information changes or if you no longer
want to use Dipika Fincon Pvt Ltd Services, you may correct, update or deactivate your
personal information and/or your account through the account management screen. If you
would like us to deactivate or terminate your account you can also contact us at ?.
In case of cancellation or deletion of your account,
kindly note that certain personal information may be retained by us, wherever required
or authorized by applicable law. Please remember any content that has been shared by you
or submitted to any third party link provided via the Services may continue to be
available to third parties.
Tell-A-Friend: If you choose to use our referral service
to tell a friend about the Website or the Dipika Fincon Pvt Ltd Services, we may ask you
for your friend’s name, phone number and email address. We will automatically send your
friend a message inviting him or her to visit the Website. We store this information for
the sole purpose of sending this message and tracking the success of our referral
program.
Internet-based Transfers Given that the Internet is a
global environment, using the Internet to collect and process Personal Information
necessarily involves the transmission of data on an international basis. By providing
Dipika Fincon Pvt Ltd with your Personal Information you acknowledge and agree that we
may store your Personal Information and transfer it to and from our servers. We endeavor
to protect all Personal Information collected through the Website in a safe,
confidential and secure manner.
22. CHILDREN’S PRIVACY
Dipika Fincon Pvt Ltd Services are intended for users
ages 18 and older only. Accordingly, we will not knowingly collect or use any Personal
Information from individuals that we know to be under the age of 18. In addition, we
will delete any information in our database that we know originates from an individual
under the age of 18.
23. COOKIE POLICY
If enabled, we may place cookies on your machine that
store small amounts of data on your computer about your visit to any of the pages of our
Website. Cookies are small electronic files that collect information when someone visits
a website. They can identify the pages that are being viewed and this can assist us in
tracking which of our features appeal the most to you and what content you may have
viewed on past visits. Some cookies only exist whilst viewers are online, but
‘persistent’ cookies are not session-based and remain on the viewer’s computer. When you
visit this Website again, ‘persistent’ cookies can enable us to customize our content
according to your preferences.
Technologies such as: cookies, beacons, tags and scripts
are used by us and our partners like banking and financial entities, affiliates, or
analytics or service providers use technologies such as google Ad sense, google
analytics etc. These technologies are used in analysing trends, administering the
Website, tracking users’ movements around the Website and to gather demographic
information about our user base as a whole. We may receive reports based on the use of
these technologies by these companies on an individual as well as aggregated basis.
Dipika Fincon Pvt Ltd is not responsible for cookies
placed in the device of user/s by any other website and information collected thereto.
24. TESTIMONIALS, BLOGS AND OTHER FORUMS ON Dipika Fincon
Pvt Ltd WEBSITE
With your consent Dipika Fincon Pvt Ltd may post your
testimonial along with your name. If you want your testimonial removed please contact
Dipika Fincon Pvt Ltd at support@Dipika Fincon Pvt Ltd.com.
If you use a blog or other public forum on Website, any
information you submit there can be read, collected or used by other users and could be
used to send you unsolicited messages. Dipika Fincon Pvt Ltd is not responsible for the
Personal Information you choose to submit in these forums.
25. CONFIDENTIALITY
Information Sharing and Disclosure We do not rent of sell
your information to anyone, but only as per directions in the Privacy Policy. We can
share the information with business partner and/or affiliate. Dipika Fincon Pvt Ltdcan
also sell share and/or transfer personally identifiable information with
successors-in-interest given a sale of any part of the company’s business or on
reorganization, consolidation, merger of Dipika Fincon Pvt Ltdto another entity on
grounds that we are not the surviving entity.
We can use third party service providers for providing
you our services. We can ensure such parties to maintain confidentiality of information
provided to them as per stated in our contracts. Access to your personal identifiable
details and account information are restricted strictly and to be utilized in accordance
to specific internal processes for operation, development or improvement of our
services.
We limit use and collection of your personal information,
but may make aggregate or anonymous personal information or/and disclose these data only
in manner that is non-personally identifiable. The data will not identify you
individually.
26. CYBER SECURITY
Dipika Fincon Pvt Ltd can employ appropriate
organizational or technical security measures at any time in order to safeguard
information collected from you. We can use multiple electronic, physical security and
procedural measures to protect against unlawful or unauthorized alteration or use of
details, and against any destruction, damage, or accidental loss, to information. No
method of electronic storage or transmission on the internet, however, is hundred
percent secure. Thus, we cannot guarantee an absolute security. You are also responsible
to maintain security and confidentiality of your password and login id, as we will not
give these credentials with unrelated third parties.
27. LOG FILES
Dipika Fincon Pvt Ltd uses log files, in which the
details can include browser type, internet protocol (IP), referring/exit pages,
date/stamp, platform type, internet service provider (ISP), number of clicks to analyze
trends, track user’s movement in aggregate, administer the site, and collect broad
demographic data for aggregate use. We can do this to improve our offered services or
improve marketing, site functionality or analytics. We may collate these automatically
from collected log information with other details we collect from or about you.
28. CHANGES IN PRIVACY POLICY
Dipika Fincon Pvt Ltd does reserve the right to change or
update its Privacy Policy or any other policy, terms and conditions from time to time as
per its sole discretion. We can alter the conditions and statements to reflect any
changes in our information practices. To stay updated, we encourage you to review the
Privacy Policy periodically.
29. HOW TO CONTACT Dipika Fincon Pvt Ltd
For more information about our Privacy Policy or any
comments related to our Services, please contact us by email at ? or write to us at:
[[Address of the home loan company]]
