This Website ("www.myflot.com"), the MyFlot mobile application, and other related internet-based applications (collectively referred to as “website” or “services” or “app”) are owned and operated by GROWCAP ACCOUNT AGGREGATION PRIVATE LIMITED (hereinafter referred to as “We”, “Us”, “Our”, or “GrowCap”), a Company incorporated under the Companies Act, 1956, and having its registered office at Unit No. 905, 9th Floor, New Delhi House, Barakhamba Road, New Delhi 110001.
1. Consent
You hereby expressly consent to provide the information that may be required in relation to the Services being rendered by us. You acknowledge that we shall collect the information detailed under this Privacy Policy to facilitate lending & non-lending services by partnering with various financial lenders, third parties, service providers, etc., based on your requirement to avail such Services (“Services”).
GROWCAP will only be using the information for providing the Services to you.
In order to avail of any Services being provided by GROWCAP by itself or in partnership with other third parties, it is important that YOU READ, UNDERSTAND, ACKNOWLEDGE, AND UNCONDITIONALLY AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY.
2. Information Collected and Used by GrowCap
Data Provided by You
1. Data provided by filling in forms on the Website or associated internet applications.
2. Data provided by corresponding with us (e.g., by e-mail, chat, or call).
3. Data and information you provide when registering to use the Website or associated internet applications, subscribing to any of our Services (e.g., applying for a loan), searching for a Service, and when you report a problem with our App, Services, or any of our Sites.
4. Data including your name, address, gender, date of birth, e-mail address, phone number, username, password, and other registration information.
5. Identity Proof, Address Proof, PAN Card, proof of possession of Aadhaar Card (with Aadhaar number duly redacted or blocked out), financial information such as employer name, monthly salary, bank account number, bank statements, credit information, copies of identification documents.
6. Data generated by your usage of our website and associated internet applications.
Information We Collect About You and How We Use That Information
With your consent: Information we collect from credit bureaus and customer service providers to help GROWCAP with customer verification and diligence required for GROWCAP and its partners.
3. Purpose of Information Collected by GrowCap
Apart from section 2 where we describe the information we collect and how we use the information we collect, we may also use the information we collect for the following purposes:
1. To provide products or services you have requested.
2. To provide information to our partners to assist in making credit decisions about you.
3. To help investigate violations of our terms of use or to defend against legal claims.
4. To disclose the information under special circumstances such as compliance with applicable local law, court summons, court orders, requests/order from legal authorities or law enforcement agencies requiring such disclosure.
5. To identify, prevent, detect, or tackle fraud, money laundering, terrorism, and other crimes.
6. To get in touch with you when necessary and contact you by email, SMS, letter, telephone, or any other way about our products and services.
4. Data Retention and Deletion
We at GROWCAP promise to protect your personal data from unauthorized access, misuse, and disclosure using the right security measures based on the type of data and how we are processing the same. We retain information about you to provide a seamless experience, to contact you in case of support required about your account, to detect, mitigate, prevent, and investigate fraudulent or illegal activities during the course of the Services. We retain your data for as long as necessary based on statutory requirements and to provide you with our services.
5. Procedure for Data Destruction and Removal of User Details from the Record
User desirous of having his/her name and other details removed from the records of GROWCAP, on receiving the User’s request in the GROWCAP app, GROWCAP shall, subject to the terms mentioned in section 4 and extant acts, rules, regulations, supervisory body/ies guidelines, directions, circulars, notification, as amended from time to time/any statutory modification thereto, or re-enactment thereof, modify, remove and/delete such information. Once the requested action has been taken, GROWCAP will inform you via email or call, as per the user’s preference. However, you may not be able to use our services after deletion.
6. Specific Consent
You consent and grant us authority to share your information with third parties to provide the product or service you have requested; to enable them to contact you or to certain service partners in order to respond to your queries/comments or to resolve service issues and to serve you better and to collect information about you as mentioned in section 2 of this Privacy Policy and use the same for those purposes mentioned in sections 2 & 3 of this Privacy Policy.
By using the Website/Services you authorise 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 you have also registered yourself under DND or DNC or NCPR service, you still authorise us to give you a call from GROWCAP & its associates/partners for the above-mentioned purposes.
By providing information, you automatically agree, or promise that the owner of such information has expressly agreed to allow or licence, as the case may be, us to use the information in the manner set out in this Privacy Policy, without the payment of any fees, to the extent permitted by law, also use, licence, reproduce, distribute disclose, and aggregate, non-personally identifiable information that is derived through your use of the App and you hereby provide consent for the same.
You can revoke consent already granted to collect personal data at any point in time on your device by using the privacy controls available to you. Please note however that this might impact our ability to render our services to you.
7. SHARING OF INFORMATION
GROWCAP shall not will not rent, sell or share User information and will not disclose any of the User’s personally identifiable information to third parties (apart from the third parties whose details are mentioned in the links provided herein. Click here and here for a full list), except when the disclosure is
1. pursuant to obtaining the User’s permission
2. in connection with disclosure to financial institutions and banks.
3. in connection with the services being rendered through the App.
4. help investigate, prevent or take action regarding unlawful and illegal activities.
5. pecial circumstances such as compliance with court orders.
6. to enforce your contractual obligations to us
8. STANDARDS FOR HANDLING DATA BREACHES :
While GROWCAP invests in best in class Data Safety and Security Standards, in the improbable event of a data breach; GROWCAP will activate its Incident Management protocol to mitigate and safeguard our user’s data. Furthermore, GROWCAP shall inform and update its users as prescribed by the prevalent guidelines at the time.
10. PROCEDURE FOR CORRECTING INACCURACIES IN YOUR INFORMATION :
In the event that any Personal Information provided by You is inaccurate, incomplete or outdated then You shall have the right to provide Us with the accurate, complete and up to date data and have Us rectify such data at Our end immediately. We urge You to ensure that You always provide Us with accurate and correct information/data to ensure Your use of Our Services is uninterrupted.
In case of modification of Personal Information, Users will be required to furnish supporting documents relating to change in Personal Information for the purpose of verification by GROWCAP.
11. CHANGES IN PRIVACY POLICY :
Our Privacy Policy might change from time to time, and GROWCAP will provide notice of it on your email address linked to your Account or can be seen by you in our Website
12. INCORPORATION OF PRIVACY POLICY TO THE TERMS OF USE :
This Privacy Policy is incorporated to the Terms of use (Terms) and other specific terms of this Website/Services/Account
13. CONTACT :
For any information regarding the Privacy Policy, please contact us on : ops@MyFlot.in