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PRIVACY POLICY



Synergenius Growth Private Limited (“we”, “us”, Company,” or “our”) including online Website(s) Finfinity.co.in (“Website”) committed to protecting your privacy. We have prepared this Privacy Policy to describe to you our practices regarding the information, including sensitive personal information we collect, use, store, manage and share in connection with our Website and other in connection with our services, as described in our Terms of Service available at www.finfinity.co.in collectively, the “Service”).


By using the Services, Website, or any of our offerings, you confirm that you understand and consent to this Privacy Policy, together with any documents that may be expressly referred to and are incorporated by reference. You will be deemed to be a “User” who is legally bound by this Policy.



COLLECTION OF INFORMATION


As a visitor, you can browse our website or any of our offerings to explore more about us without providing any of your personal information. We automatically collect certain data about your interaction with our website such as pages visited and average time spent on the Website, your internet protocol address, the unique identifier of your device and device information such as operating system, operating system version, browser plugins, crashes, system activity, hardware settings, date, and time of your request to analyse ongoing trends and aid us in improving our customer experience.


Once you register as a user on our website show interest in procuring information about our Services, we collect your personal information including but not limited to:


  • Your name, e-mail address, phone number, display picture, username, password, residential address, gender, and other demographic information;

  • Information provided to us through our Services, interaction with our customer service, participation in surveys or marketing promotions;

  • We may also have one time access to your camera, microphone, location, and mobile device and store such information only for the purpose of onboarding or know your customer (“KYC”) requirements of us or our Partner with your explicit consent in accordance with the Digital Lending guidelines issued by the Reserved Bank of India (“RBI”) and as amended from time to time;

  • Banking details and billing information including Goods and Service Tax number, Permanent Account Number, debit card number, credit card number and billing address.


You affirm that you are solely responsible for the accuracy and truthfulness of the Personal Information shared with us, and the Company is not accountable for verifying the authenticity of your Personal Information.


We may also collect information from you if you communicate with us over the phone or via email. This information may include personal information. This information may be matched with and stored in connection with personal information provided or collected in connection with our Website.


We and our authorized business partners may also collect information made publicly available through other third-party Websites, through online or offline databases that are otherwise legitimately obtained and are subject to the third party's terms of use and/or privacy statement.


We only collect and use such information from you that we consider necessary for achieving an efficient and safe experience that is customized to your needs and expectations which in turn helps us to offer tutorials and works that are most likely to meet your needs and demands.


Company shall use technologies such as cookies, clear gifs, log files, and flash cookies for several purposes, including to help understand how you interact with our Website and Services to provide a better experience.



DATA USAGE


We process your personal information to run our website, business, provide the Services, personalize your experience of the Services, and improve the Services from time to time. Specifically, we use your personal information to:


  • Verify your identity;

  • Enhance your experience, analyse your interaction with the Services and issue any corrective measures if required;

  • For any legal and regulatory/ audit purposes (for example, in response to subpoenas, court orders, and law enforcement or governmental requests or investigations), and to protect our legal rights or the rights of others (for example, by working to reduce the risk of fraud or misuse of the Service);

  • Respond to your queries about the Services;

  • Deliver to you any notices, alerts, or communications relevant to your use of the Services;

  • Customise/ personalise the works being offered

  • To monitor, analyze, and describe usage patterns and performance of the Service, including aggregate metrics such as total number of visitors, traffic, and demographic patterns;

  • To conduct system administration and system troubleshooting and to diagnose or fix technology problems;

  • Aggregate the anonymised information from registered users to perform market research, project planning, product development, troubleshoot problems, analyse user behaviour, marketing purposes, and promotions for the Company and its authorized business partners;

  • For internal record-keeping purposes;

  • To enforce this Policy and/or the terms of service or any other related policy;[AG1] [ELP2]

  • We might also tell you about new features or products/services. These might be our own offers or products/services, or third-party offers or products/services with whom the Company has a tie-up;

  • Administer our obligations under any agreement with our business partners;

  • Utilize your information for internal analysis and offer location-based services, such as advertising, search results, and personalized content;

  • Assist in the facilitation and delivery of services by us or our business partners, process payments and applications, and communicate with you regarding products, services, and promotional offers;

  • Enhance our Website, prevent or detect fraud or abuses on our website, and allow third parties to perform technical, logistical, or other functions on our behalf. We may integrate information obtained from you with data about you received from third parties;

  • Dispatch notices, communications, and suggest services of potential interest to you, update our records, and manage your accounts, including displaying content and customer reviews;

  • When you provide contact details, we may use them to send general notices or important updates about your account, seek your feedback or opinions, and inform you about special deals and offers;

  • With your consent, the Company may access your mobile device, including the camera, to facilitate services, enhance accessibility, and facilitate logins to our website for the various services you opt for;

  • If you are a vendor or employee of the Company, we use your personal information for the purpose of making payments, payrolling and deducting taxes;


If we receive formal written complaints, we shall contact the User who made the complaint to solve the problem at the earliest. We shall work with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that we cannot resolve with our User/s directly.


We have physical, electronic, and procedural safeguards that comply with the laws prevalent in India to protect personal information about you. We seek to ensure compliance with the requirements laid down under the Information Technology Act, 2000 and Rules and other applicable data protection laws in India thereunder to ensure the protection and preservation of your privacy.



MINOR’S PRIVACY POLICY


As a minor if you wish to use our products or Services, such use shall be made available to you by your legal guardian or parents, who has agreed to these terms. The Company will not be responsible for any consequences that arise as a result of misuse of any kind of our Website or any of our products or Services that may occur by virtue of any person including a minor registering for the Services/products provided. Any portion of the information containing personal data relating to minors provided by you shall be deemed to be given with the consent of the minor's legal guardian.


We identify and use your IP address to help diagnose problems with our server and to administer our Website. We further use your IP address to protect ourselves from fraud and to help identify you and to gather broad demographic information.


We may collect our services usage information in order to improve functions or user interface but will only use this information in an anonymized fashion and not in association with your name, email, or other personally identifying information.



WAYS OF COLLECTION USE OF INFORMATION


You acknowledge that the Company may gather User Information through various methods, including but not limited to the following:


  • When you create a user account by registering with the Company;

  • Through your interactions with any of the employees of the Company during transactions;

  • Directly through user input; and

  • By monitoring your usage of the Services.


DATA RETENTION


We will retain your personal data only for as long as necessary to fulfil our purposes provided herein or for quality assurance purposes, or to defend future legal claims, unless the law permits or requires a longer period of retention.



COOKIES


A cookie is a very small text document, which often includes an anonymous unique identifier. These are sent to your browser from the websites that you visit and are stored on your device's internal memory. We use cookies on our Website which help us to provide information which is targeted to your interests, keep track of your preferences, evaluate the effectiveness of our Website, analyse trends, identify logged in or registered users and to administer the Website.


We further use cookies to determine which parts of our Website are most visited and what difficulties our visitors may experience in accessing our Website.


Your use of our Website or Services with a browser that is configured to accept cookies constitutes acceptance of ours and any third-party cookies.



DATA PROTECTION AND SECURITY


We employ many different technological and procedural security measures like encryption, passwords, as well as some physical security measures, which are reasonably designed to help protect your personal information from and against any loss or misuse and unauthorized access or disclosure by individuals inside and outside the company. However, no method of transmission over the internet, or method of electronic storage is 100% (one hundred percent) secure and reliable, and we cannot guarantee its absolute security. You therefore agree that any security breaches beyond the control of our reasonable security procedures are at your sole risk. Company is not responsible for the unauthorized use of your information or for any lost, stolen, compromised passwords, or for any activity on your account via unauthorized password activity.



DISCLOSURE OF PERSONAL INFORMATION


We use other companies, agents, or contractors, partners ("Service Providers") to perform services on our behalf or to assist us with the provision of Services to you. We engage Service Providers to provide marketing, advertising, communications, infrastructure, and IT services, to personalize and optimize our Services, to process credit card transactions or other payment methods, to provide customer service, to collect debts, to analyze and enhance data (including data about users’ interactions with our Service), and to process and administer consumer surveys. In the course of providing such services, these Service Providers may have access to your personal information or other information. We do not authorize them to use or disclose your personal information except in connection with providing their services.


We may disclose your personal information if we believe that such action is necessary to:


  • Comply with any legal process served on us or affiliated parties or other legal requirement of any governmental authority;

  • Protect the safety of users of our site, us, or third parties;

  • Mitigate our liability in an actual or potential lawsuit;

  • Help investigate or prevent unauthorized transactions or other illegal activities;

  • Protect and defend our rights or property, our website, the users of our website, and our affiliated parties


Following are some of the ways that your personal information may be disclosed:


a) Legal obligation: We can disclose any personal information provided by you to law enforcement and other government officials as we believe appropriate or necessary to comply with our legal obligations or for investigation of fraud or any other activity which may expose us or you to legal liability.


b) Information disclosed to third party service providers: We may contract with various third parties for the provision and maintenance our Website and Services and our business operations, and we may need to share your personal information and data generated by cookies with these vendors and service agencies. We do not authorize them to use or disclose your personal information except in connection with providing their services.


c) Information shared with our business partners: We may share personal information with our business partners that are committed to serving your online needs and related services for purposes defined under this privacy policy or in the course of making transactions specifically requested by you.


d) Links to external service providers: Our Website may contain hyperlinks to other Websites which may collect personally identifiable information about you. We have no control over any websites or resources which are provided by companies or persons other than us and are not responsible for the privacy practices or the content of those external Websites and your use of any such other website or application is subject to the terms of use and privacy policy located on such external website or application. We recommend that you check the external Website’s privacy policies to see how the operators of such websites will utilize your personal information.


e) Internal departments: We may share personal information with the internal investigation department of the Company or agencies appointed by us for investigation purposes. Also, if you are an employee, vendor/supplier of the Company, your personal information may be shared internally with the relevant departments on a need-to-know basis.



YOUR CONSENT


By using our Website and Services, you are expressly consenting to our collection, processing, storing, disclosing and handling of your information as set forth in this Policy now and as amended by us. Processing, your information in any way, including, but not limited to, collecting, storing, deleting, using, combining, sharing, transferring and disclosing information, all of which activities will take place in India. If you reside outside India your information will be transferred, processed and stored in accordance with the applicable data protection laws of India.



YOUR RIGHTS IN RELATION TO PERSONAL INFORMATION COLLECTED BY US


We would like you to be completely aware of your data protection rights. You have the right to withdraw your consent at any time in writing by sending an e-mail to us at connect@finfinity.co.in, in 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.


If a user or customer makes a request to access, review, modify or correct any personal information or withdraw its consent to provide personal information, the Company will consider each such request in accordance with all applicable data protection laws and regulations.


However, you agree and acknowledge that your right to access, modify and/or withdrawing your consent to provide personal 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.



MARKETING AND PROMOTION


We may send periodic promotional or informational emails to you. You may opt to discontinue such communications by following the opt-out instructions contained in the email.


We may require reasonable amount of time to process any opt-out requests. If you opt-out of receiving emails about recommendations we think may interest you, we may still send emails on a case-to-case basis.



PRIVACY POLICY UPDATES


This policy is current as of the effective date set forth herein[AG3] . Company may in its sole and absolute discretion modify the policy at any time and in any manner without any prior notification to you. Any change or revision will be posted on our Website. Thus, you are advised to review this page periodically for any changes. By continuing to use or access our Website after the updates to this Policy, you are consenting to the changes.



DISCLAIMER


We cannot ensure that all of your private communications and other personal information will never be disclosed in ways not otherwise described in this privacy policy. Therefore, although we are committed to protecting your privacy, we do not promise, and you should not expect, that your personal information will always remain private.


The Company does not warrant or assure that the information provided on the website to be accurate and error-free. In case of any discrepancies, users are advised to verify the information by getting in touch with us. Information provided on our website might get updated or changed from time to time, in such case it shall be the duty of the user to verify the contents of the website.



QUESTIONS AND SUGGESTIONS AND GRIEVANCE OFFICER


If you have any questions or comments about the privacy policy, please write to our Grievance Officer at grievance.redressal@finfinity.co.in



TERMS OF SERVICES


Please also visit our Terms of Services section which establishes the use, disclaimers, and limitations of liability governing the use of our Services. You can access the same by clicking here: https://www.finfinity.co.in/terms-of-use.




Date: 22-Jan-2024

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