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This Privacy Policy (“Policy”) outlines Jatta M Kommerce Pvt Ltd (" Handloan.ai ", “We”, “Us” or “Our”) practices in relation to the storage, use, processing, and disclosure of personal data that You have chosen to share with Us when You use Our website www.handloan.ai, use the Services made available on it (the website is referred to as the “Platform”), or when you access our services as a Loan Service Provider through the Open Network for Digital Commerce ("ONDC Network").
The services We offer you on or through the Platform or via the ONDC Network are referred to as “Services”. Please note that unless specifically defined in this Policy, capitalised terms shall have the same meaning ascribed to them in Our Terms and Conditions, available at [Website URL for Terms and Conditions] (“Terms”). Please read this Policy in consonance with the Terms.
At Handloan.ai, We are committed to protecting Your personal data and respecting Your privacy. Please read the following terms of the Policy carefully to understand Our practices regarding Your personal data and how We will treat it. This Policy sets out the basis on which any personal data We collect from You, We collect about You, or that You provide to Us, including through the ONDC Network, will be processed by Us.
By providing Us with the consent to process Your personal data, You acknowledge that We will collect, store, use, and disclose Your personal data in accordance with this Policy.
We collect, transmit, and store personal data about You on Our secured handloan server after obtaining Your consent, to provide You with, or in connection with, the Services. Please note that We only collect and process a minimal amount of Your personal data to provide You with the Services. Such personal data includes:
* Identity and profile-related data: This includes Your first and last name, parents’ name, date of birth, gender, photographs, educational qualifications, purpose of loan, house ownership, employment status, company name, contact information (including addresses, email IDs and phone numbers) and marital status.
* KYC data: This includes identification documents issued by the government or other authorities, and includes details of or pertaining to Your Aadhaar, PAN card, voter ID, etc.
* Transaction data: This includes details of transactions that may occur through the Platform or in connection with the Services. For example, transaction data may include the services You have sought or availed through the Platform or confirmations of such services.
* Data from SMSs: With Your permission, We collect, transmit and store transactional SMS data from Your phone on Our secured handloan server to verify and analyse Your financial position, to determine Your cash flow, credits, income, and spending pattern. We do not collect, read or store any personal SMSs, account details etc.
* Financial data: This includes Your past credit history, income details, details of loans issued or otherwise applied for through the Platform, payments, and repayments thereof, bank account details, and bank account statements.
* Device data: This includes Your IP addresses, browser types and versions, time zone settings, operating systems, and device information. We collect, transmit, and store such data on Our secured handloan server. This data is collected for the purpose of data analytics.
* App data: We collect, transmit, and store the installed application's information on our secured handloan server. We only use the package name of each installed application to assess the creditworthiness and to provide customized loan offers.
We do not access Your mobile phone resources such as contact list, call logs, telephony functions, and files & media (except as disclosed above in order to enable You to upload documents). We do not collect Your biometric data. However, We may take a one-time access of Your camera, microphone, location (fine and coarse GPS data), or any other facility for the purpose of onboarding or KYC checks (for such instance of access), after obtaining Your explicit consent, each time you avail certain Services.
We are required to collect Your personal data to provide You with access to the Platform and Services. In certain cases, We are required to collect personal data as required by law, or under the Terms. If you fail to provide Us that data as and when requested by Us, We will not be able to perform Our obligations under the arrangement We have with You or are trying to enter into with You (for example, to provide You with features of the Services). In this case, We may have to cancel or limit Your access to the Services (or part thereof).
We use different methods to collect and process personal data about You. This includes:
* Information You provide Us: This is the information (including identity, contact, KYC, financial, and device data) You consent to give Us when you Use Our Services or when You correspond with Us (for example, by email or chat, or through the Platform). It includes information You provide when You register to use the Services, use a Platform feature, share data through the Platform, or when You report a problem with the Platform and/or Our Services. If You contact Us, We will keep a record of the information shared during the correspondence.
* Information We collect about You and Your device: Each time You visit the Platform or use the Services, We will automatically collect personal data through the use of tools like cookies.
*Information We receive from other sources including third parties and publicly available sources: We will receive personal data about You from various third parties and public sources including Our third parties, Google analytics for advertising and user analytics purposes, and other publicly available sources. This information is used for conducting fraud checks, improving the Services and offering the credit products most suitable to You.
Please note that We do not have any control over personal data that You may choose to make publicly available. For example, if You post reviews, comments, or messages on public sections of the Platform, You do so at Your own risk. We are not liable for third-party misuse of such data
We will only use Your personal data in accordance with the applicable law. Most commonly, We will use Your personal data to provide You with the Services, or where We need to comply with a legal obligation.
You agree and acknowledge that by using Our Services and creating an account on the Platform, You authorise Us, Our partners including but not limited to its Lenders, and affiliates to contact You via email, phone, or otherwise in relation to the Services provided to You including but not limited to educating You of the credit products available to You, provision of customer support, resolving grievances/disputes in relation to the Service or the credit product availed by You and pursuant to the collection services offered to the Lender for the credit facilities availed by You.
In general, We use Your personal data for the following purposes and activities undertaken without direct human supervision or control:
* To register You as a user of the Platform;
* To provide You with the Services;
* To communicate to You details of the Services as requested by You or process queries raised by You on the Platform;
* To facilitate Your KYC;
* To facilitate Your application to avail loan and otherwise in connection with Your obtaining of credit facilities from regulated entities including Our Lenders;
* To facilitate the provision of Services by Our partners, including but not limited to Our Lenders;
* To manage Our relationship with You, including notifying You of changes to any Services;
* To administer and protect Our business and the Platform, including troubleshooting, data analysis, system testing, and performing internal operations;
*To send You communication in relation to Your use of the Platform or Services;
* To conduct data analytics, monitor trends so We can improve the Platform and Services;
* To improve Our business and delivery models;
* To perform Our obligations that arise out of the arrangement We are about to enter or have entered with You;
* To enforce Our Terms;
* To undertake marketing services, including sending You promotional messages or making promotional phone calls in relation to Services that are offered by Us presently or may be offered in the future;
* To respond to court orders, establish or exercise Our legal rights, or defend Ourselves against legal claims;
* In compliance with the Reserve Bank of India’s norms, including to contact You or locate You in case of Your default, in relation to certain Services; and
* To ensure compliance with applicable laws.
You agree and acknowledge that any and all information pertaining to You, whether or not You directly provide it to Us (via the Services or otherwise), including but not limited to personal correspondence such as emails, instructions from You, etc., may be collected, compiled, and shared by Us with third parties after obtaining Your explicit consent, solely in order to render the Services to You. This may include but not be limited to Lenders, other partners who facilitate the provision of Services and products available on Our Platform, storage providers, data analytics providers, consultants, lawyers, and auditors. We may also share this information with other entities in the Jatta M Kommerce Pvt Ltd group in connection with the above-mentioned purposes. If You fail to provide consent for sharing of such data when requested by Us, We may not be able to perform Our obligations under the arrangement We have with You or are trying to enter into with You. In this case, We may not be able to provide the Services to You.
You agree and acknowledge that by using Our Services and creating an account on the Platform, You authorise Us, Our associates, partners, service providers, and affiliates to contact You via email, phone, or otherwise. This is to ensure that You are aware of all the features of the Services and facilitate You in Your access and use of the Services.
You agree and acknowledge that We may share Your data, where We are required by law, any court, a government agency, or authority to disclose such information. Such disclosures are made in good faith and belief that it is reasonably necessary to do so for enforcing this Policy or the Terms, or in order to comply with any applicable laws and regulations.
You hereby warrant that all personal data that You provide Us with is accurate, up-to-date, and true. When You use Our Services, We make best efforts to provide You with the ability to review and correct inaccurate or deficient data, subject to any legal requirements. We shall have the right to verify the accuracy of the personal data You provided to Us.
We implement appropriate security measures and access controls to protect Your personal data from unauthorised access, and follow technology standards prescribed by applicable law, including the Information Technology Act, 2000, Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and by RBI ensuring up-to-date physical security, such as secure areas in offices; electronic safeguards, such as passwords, firewalls, and encryption; and secure development procedures.
Information You and Lenders provide and receive during the Services is transmitted through a secure sockets layer (SSL) transmission. We encrypt and store personal information wherever it is possible.
We restrict access to Your personal information only to those employees who are required to know such information in order to provide Our Services to You. We train Our employees on all Our security procedures.
You agree and acknowledge that Your personal data will continue to be stored and retained by Us as required or permitted by applicable laws or regulatory requirements, or as required for defending future legal claims.
Upon completion of the retention period, or upon Your request where applicable, We shall delete or destroy, to the extent technically possible, personal data in Our possession or control.
Under certain circumstances, You have the right to:
* Request the erasure of Your personal data: This enables You to ask Us to delete or remove Your personal data. We shall comply with any request, subject to applicable laws and the terms applicable to the Services you have availed through the Platform.
* Right to deny consent: This enables You to deny Us the consent necessary to process Your personal data. If You exercise this right, it may impact or restrict Our ability to provide Services to You.
* Right to revoke consent: This enables You to withdraw consent provided to Us previously.
* Right to rectify: You have the right to review and correct, update and/or amend Your information provided to Us previously for it to be accurate, complete and up to date.
If You wish to exercise any of the rights set out above, please write an email to the Grievance Officer, whose details are mentioned in Section 14 of this Policy.Please note that all Your data, including financial data collected by Us, is only stored on systems located in India. We do not transfer Your personal data to any third country.
We share Your information with Lenders and third parties, to contact You regarding any loan product You express interest in or for completing a loan application, KYC check, collection of KYC documents, bank authentication purpose, and for loan repayment purposes. This includes sharing with relevant participants on the ONDC Network as required to complete a transaction you initiate and in compliance with ONDC network protocols.
Our Services may, from time to time, contain services provided by or links to and from the websites of Our partner networks, service providers, financial institutions, advertisers, and affiliates (“Third Party Services”). Please note that the Third-Party Services that may be accessible through Our Services are governed by their own privacy policies. We do not accept any responsibility or liability for the policies or for any personal data that may be collected through such Third-Party Services. Please check their policies before You submit any personal data to such websites or use their services.
Cookies are small data files that are stored on Your device. We use cookies and other tracking technologies to
distinguish You from other users of the Services and to remember Your preferences. This helps Us provide You with a good experience
when You use Our Services and also allows Us to improve the Services.
Most devices can be set to notify You when You receive a cookie or prevent cookies from being sent. If You prevent cookies from being sent, it may limit the functionality that we can provide when You visit the Platform.
We keep Our Policy under regular review and may amend it from time to time, at Our sole discretion.
The terms of this Policy may change and if it does, these changes will be posted on this page and, where appropriate, notified to You by email or phone number through SMS.
You may contact Our Grievance Officer with any enquiry relating to this Policy or Your personal data.
Name: Amit A
Address: JATTA M KOMMERCE, 220, 1st Floor, Citi Mall, New Link Road, Andheri (W), Mumbai 400053
Email Address: help@handloan.ai
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