WE AT SMART LOANS BAZAAR YOUR TRUST & RESPECT YOUR PRIVACY.
This Smart Loans Bazaar Privacy Policy (“Privacy Policy”) provides You (defined below) with details about the manner in which Your (defined below) data is collected, processed, stored & used by Us (defined below). You are advised to read this Privacy Policy carefully. By submitting on the web (defined below) and consenting to this Privacy Policy, using any medium: website, web app, mobile site or otherwise, You permit Us to use & disclose Your Personal Information (defined below) in accordance with this Privacy Policy. If You do not agree to the terms of the Privacy Policy, please do not use, or access the website.
“Personal Information” of a person means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with Us corporate, is capable of identifying such person and includes, (wherever appropriate and/or mandated under applicable laws) personal information categorized as sensitive personal data or information under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 as below:
Sensitive personal data or information that is freely available, accessible in the public domain, or available under the Right to Information Act 2005, is excluded from the scope of this definition.
Note: Our Privacy Policy may change at any time without prior notification. To make sure that You are aware of any changes, kindly review this Privacy Policy periodically. This Privacy Policy shall apply uniformly to Smart Loans Bazaar’s website, mobile site, web/desktop plugins and mobile applications hosted at www.smartloansbazaar.com (“Website”).
Throughout this Privacy Policy, the capitalized terms “Smart Loans Bazaar” “We”, “Us” and “Our” refers to Iconic Codez LLP, its affiliates and assigns, and the terms “User”, “You”, “Your”, and “Yourself” refer to the users of the App whose Personal Information is being collected in accordance with the terms of this Privacy Policy. Smart Loans Bazaar is providing this Privacy Policy to familiarize you with:
SCOPE OF THIS PRIVACY POLICY AND ITS APPLICABILITY
This Privacy Policy applies to all forms of Personal Information, physical and digital, whether collected or stored electronically or in hardcopy.
We handle data in our own right and for and on behalf of the Users.
If, at any time, a User provides data or other information about someone other than himself, herself or itself, the User warrants that it has that person‘s consent to provide such information for the purpose specified.
The Website should not be used or accessed by minors (persons under the age of 18 years).
By submitting on the Website, You are accepting this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of use governing access and use of the App (hosted at www.smartloansbazaar.com/privacy-policy ) (“Terms of Use”).
INFORMATION COLLECTED
When You use the Website, We collect and store Your Personal Information which is provided by You from time to time. This allows Us to provide services and features that most likely meet Your needs, and to customize the Website to meet your requirements and make Your experience safer and easier. We collect Personal Information from You that We consider necessary for achieving this purpose.
Smart Loans Bazaar respects the privacy of its Users and is committed to protect such privacy as detailed herein. You may encounter “Cookies” or other similar device on a web page. These are data collection devices to help analyze Our web flow and measure promotional effectiveness. “Cookies” are small files placed on Your hard drive that assist Smart Loans Bazaar in providing services to You and giving You information targeted to Your interests. Most cookies are session cookies, meaning that they are automatically deleted from Your hard drive at the end of a session. You are always free to decline a cookie if Your browser permits.
Once you submit on the website and give Us Your Personal Information, You are not anonymous to Us. Wherever possible, We indicate which fields are required and which fields are optional. If You are unable to provide the information We need, We may not be able to provide You with the product or service You have requested.
INFORMATION THAT WE COLLECT FROM YOU WOULD INCLUDE
In order to determine Your eligibility and enable the products/services offered on the Website for You, We collect and process certain categories of Personal Information belonging to You, including the following:
In addition to above, for the mobile version of the Website, We may collect any other authorization or information that enables Smart Loans Bazaar to provide a smooth mobile experience, including but not limited to: SMS access for auto OTP verification. We may take a one-time access for the User’s camera/gallery/contacts or any other facility necessary for the purpose of on-boarding/ Know Your Customer (KYC) requirements.
INFORMATION SHARING AND DISCLOSURE TO THIRD PARTIES
Smart Loans Bazaar offers the website services as a technology aggregator. In view of this, disclosure of Your information may be required by Us to provide You access to Our services, to comply with Our legal obligations, to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to Our services.
We do not disclose Your Personal Information to third parties except in accordance with the terms contained herein.
We may disclose Personal Information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process.
We may disclose Personal Information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce the Terms of Use or this Privacy Policy; respond to claims that an advertisement, posting, or other content violates the rights of a third party; or protect the rights, property or personal safety of Our users or the general public.
We may disclose Personal Information to third parties who work on Our behalf, provided that such third parties adhere to the confidentiality obligations consistent with this Privacy Policy. These third parties are authorized to use Your Personal Information only as necessary to provide the Web services services requested or availed by You. These services may include providing cloud computing infrastructure, App crash reporting, App usage pattern so that We can serve You better and providing customer support or account administration.
DATA RETENTION
We will retain Your information for as long as Your account is active or as needed to provide the web services. We shall retain and use the information collected by Us as necessary to comply with Our legal obligations, resolve disputes or for other business purposes. If You cancel/ deactivate/ unsubscribe Your account with Us, We are not under any obligation to retain Your information. Without prejudice, We may retain Your information for twelve (12) months after You cancel/ deactivate/ unsubscribe Your account with Us to ensure compliance with applicable laws.
INFORMATION SECURITY
You are aware of all security risks, including possible third-party interception of any of Your transactions and statements of account on the internet and the content of Your transactions or statements of account becoming known to third parties. You agree and undertake that You shall not hold Smart Loans Bazaar liable therefore in any way. The use and storage of any information, including without limitation, the credit card number, PIN, password, account information, transaction activity, account balances and any other information available or stored on Your Device is at Your own risk and responsibility. You furthermore acknowledge and accept that Smart Loans Bazaar may not encrypt all content or communications from and to Your website(s).
YOUR RIGHTS IN RELATION TO SENSITIVE PERSONAL DATA OR INFORMATION COLLECTED BY US
You have the right to withdraw Your consent at any time in writing by sending an e-mail to Us at info@smartloansbazaar.com accordance with the terms of this Privacy Policy. However, please note that withdrawal of consent will not be retrospective in nature and shall be applicable prospectively.
You may write to Us at info@smartloansbazaar.com to access, review, modify or correct Your sensitive personal data or information or withdraw Your consent to provide sensitive personal data or information. We are not responsible for the authenticity of the information provided by You.
You agree and acknowledge that Your right to access, modify and/or withdrawing Your consent to provide sensitive personal data or information as mentioned above may be denied or limited by Us, as may be required under any applicable law, law enforcement requests or under any judicial proceedings.
LINKS TO OTHER SITES
Links to third-party advertisements, third-party websites or any third-party electronic communication service which are operated by third parties may be provided on the Website. Such links may not be controlled by, or affiliated to, or associated with, Smart Loans Bazaar unless otherwise expressly specified on the App.
Smart Loans Bazaar is not responsible for any form of transmission, whatsoever, received by You from any third-party website. Accordingly, Smart Loans Bazaar does not make any representations concerning the privacy practices or policies of such third parties or terms of use of such third- party websites, nor does Smart Loans Bazaar control or guarantees the accuracy, integrity, or quality of the information, data, text, software, music, sound, photographs, graphics, videos, messages, or other materials available on such third-party websites. The inclusion or exclusion does not imply any endorsement by Smart Loans Bazaar of the third-party websites, the website’s provider, or the information on the third-party website. The information provided by You to such third- party websites shall be governed in accordance with the privacy policies of such third-party websites, and it is recommended that You review the privacy policy of such third-party websites prior to using such websites.
ACKNOWLEDGEMENTS
You hereby agree that the application and copies of all documents submitted by You, to the extent permitted under applicable law, are and shall remain the property of Smart Loans Bazaar, and Smart Loans Bazaar shall not be obliged to return the same to You upon Your request. Any unauthorized access to the Website is a breach of these terms and a violation of the law. You agree not to access the Website by any means other than through the interface that is provided by Smart Loans Bazaar.
You hereby acknowledge and agree that this Privacy Policy:
If you have any questions in respect of this Privacy Policy, you may write to the Grievance Officer appointed under the Act:
Vikram Watts
Iconic Codez LLP
(Smart Loans Bazaar)
TDI Business Centre
8th Floor, Office No. 10, Sector 118,
Sahibzada Ajit Singh Nagar
Punjab 140301
E-mail: info@smarloansbazaar.com
