For the purpose of this Policy:
b) Whenever the context so requires, “you” and “user” shall mean any natural or legal person who browses through the Platform or avail services through the website and the terms “we”, “us” and “our” shall mean the Company.
When you use Saarathi, certain information and data such as your IP (Internet Protocol) addresses, the duration and time of your use of our Platform, services, programs, and systems used on Saarathi or certain other information or data provided voluntarily by you on Saarathi are retained by us on our server. We understand that privacy of your information is important to you and we value and respect your privacy; therefore, we are committed to follow and maintain the highest standards of industry practices.
We, therefore, advise you to read this policy before using our Platform. In the event these terms, in parts or whole, are not acceptable to you then you are advised not to use Saarathi or the services rendered by us that requires collection, use or retention of your information.
3. 1.“Cookies” mean small text file created by Saarathi that is stored on your device, either temporarily (session cookies) or permanently (persistent cookies), that remembers the information about you to recognize your device and set your preferences as per your usage of Saarathi.
3.2. "Channel Partner” shall mean the person who act as an agent who uses the Platform to provide services to the Customer.
3.3. "Customer” shall mean the the persons who’s personal information is being shared with us by the Channel Partners.
3.4. “Information” means your data that is collected by us during your usage of Saarathi and includes Personal, Non-personal and financial information.
3.5. “Personal Information” means personally identifiable information that can be used to contact or identify you or the Customer. Personal Information includes without limitation name, email address, residential and permanent address, date of birth, phone number, aadhar card, pan card and other financial information including, without limitation, income, expenses, credit history, credit score, payment details, bank accounts information and other information as required from time to time to time.
3.6. “Non-personal Information” means information such as cookies, log data and third-party analytics for data collection and analysis that your browser sends whenever you use Saarathi and includes without limitation information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, pages of Saarathi that you visit, time and date of your visit, time spent on those pages, unique device identifiers and other diagnostic data, mobile device you use, your mobile device unique ID, IP address of your mobile device, your mobile operating system, type of mobile Internet browser you use, unique device identifiers, location, device data and other diagnostic data.
3.7. “User” shall mean the Customer who provide information on the Platform as well as the Channel Partner who provide Customer’s Information on the Platform.
4. COLLECTION OF INFORMATION
4.1. Non-personal Information: We collect your Non-personal Information device ID, device model, IP address, browser type, operating system, time and frequency of use of Saarathi when you browse through Saarathi or use Saarathi to avail the services.
4.2. Personal Information: We collect your Personal Information only when you voluntarily provide it to us while:
a) Browsing Saarathi
b) Creating an account on Saarathi
c) Availing Services available on Saarathi
d) Inquiring about our services
e) Providing feedback
f) Using live chat support
g) Availing service support
h) Providing information on our Platform
a) We do not collect any Personal Information of any individual except when such individual voluntarily share Personal Information on our Platform directly or through the Channel Partner with prior written consent. Upon such voluntary disclosure of Personal Information and data, we may further verify and collate the information and data from information available in public domain (as permitted by law) in order to prevent cases of identity theft, fraud, etc.
b) We do not knowingly collect Personal Information from anyone under the age of 18 years. If we become aware that we have collected Personal Information from children without verification of parental consent, we take immediate steps to remove that information from our servers. Therefore, if you are a parent or guardian who becomes aware that a minor has provided us with Personal Information, please contact us for removal of the same from our servers.
5. RETENTION OF DATA
You can choose to edit, change or delete your Personal Information, in parts or whole, that you have provided on Saarathi. We will retain your Personal Information as long as you continue to remain a user of Saarathi by using services available on Saarathi or till the time it is required for us to retain your Personal Information to resolve disputes, if any, or to enforce our legal agreements and policies. If you want us to delete your Information write to us at firstname.lastname@example.org
6. DISCLOSURE OF DATA
6.1. We will not voluntarily disclose your information stored with us without your prior written consent. We may disclose your information to our domestic or international affiliates, subsidiaries, joint venture partners, licensees, and representatives, solely for the purposes stipulated in this Policy.
6.2. Permitted Disclosure: Notwithstanding anything provided in the foregoing clause, we will disclose your information in parts or whole in the following conditions:
b) Third-Party Service Provider (Financial Institutions): For providing Services available on Saarathi which is rendered to you through the help of third-party service providers (Financial Institutions) such as Banks, Non-Banking Financial Company (NBFC), Insurers, Brokers, Mutual Funds, AMCs etc. we may be required to share your Information, in part or whole, to third-party service providers; thereby we will share your Information with such third-party service provider as required for rendering such Services to you. Such disclosure, however, shall be made under strict confidentiality obligations which inter alia restricts disclosure of your Information to any person or entity by such third-party, its employees, associates, and affiliates.
d) Legal Requirements: We will disclose your Information in good faith and belief if such action is necessary to comply with a legal obligation; or to protect and defend the rights and property and restrict legal liability of the Company; or to prevent or investigate possible wrongdoing in connection with the Platform or to protect the personal safety of the users of Saarathi.
7. USE OF INFORMATION
7.1. By the Company:
a) We will use your Information to provide Services to you available on Saarathi and to notify you about changes in our Services or terms and conditions for such Services; to allow you to participate in interactive features of Saarathi when you choose to do so; to provide service support, gather analysis or valuable information so that we can improve our Platform and Services provided thereof.
b) We will use your information to improve our Platform and Services provided thereof by gathering and analyzing surveys taken, feedbacks, reviews, ratings provided or posted by you.
c) To fulfill KYC (Know your customer) compliances under anti-money laundering laws applicable from time to time.
d) To provide service support and promptly and satisfactorily respond to and resolves your queries, complaints and grievances, if any.
b) Credit Information Company: Your financial information may be subject to disclosure to third-party service provider for preparation of your credit report when such services are availed by you through Saarathi. Such Information is disclosed to such third-party under confidentiality obligations.
c) Other third-party service providers and facilitators: Your information will be used by other third party such as banks, NBFCs, etc. when you use Saarathi for availing a financial product, making payments, money transfer or any other financial transaction of any nature as available on Saarathi.
8. THIRD-PARTY LINKS AND CONTENTS THEREOF
Our Platform may link to third-party website and services that are outside our control. Such third-party websites may collect and store information and data about the user. The Company takes no responsibility for the privacy practices followed by these websites or the content available thereof. The company takes no liability for any loss or damage arising directly or indirectly for use of such website by browsing or by transacting through it.
9. SECURITY OF DATA
9.1 We have implemented and employed existing and necessary internet security methods and technologies in order to secure the information and data, to prevent loss and misuse of the information and to data disclosed through unauthorized access from third-party, alteration, disclosure or destruction of your Information, username, password, transaction information and other stored Information on Saarathi.
9.2 The Platform is scanned on a regular basis for any vulnerabilities in order to make your usage of Saarathi as safe as possible.
9.3 We assure the compliance and adoption of all such measures as required under the applicable laws from time to time.
9.4. The protection and confidentiality of your username, password, and other login credentials is solely your responsibility and we recommend you to not disclose it to anyone including any third-party including anyone claiming to be the representative of the Company or its affiliates. We never call or ask for such information from users. We shall not bear any responsibility or liability for such unauthorized disclosure or usage of your Information or action taken from your account and its consequences thereof.
9.5. Notwithstanding anything provided under this Policy, the company shall be under no obligation for the permitted disclosure of Information as per the terms of this Policies.
9.6. Although we use our best endeavor to protect and secure the information and data shared or transmitted over the internet cannot be completely guaranteed; hence we cannot provide an absolute guarantee hundred percent security of the Information provided by the user. Therefore, we disclaim all warranties and liabilities in respect of:
a) Any loss or injury caused to you as a result of voluntary disclosure of your Personal Information to any unauthorized party.
b) Privacy practices and security of your Information collected by third-party websites and services provided thereof, that are outside our control.
11. GRIEVANCE REDRESSAL