Effective Date: March 15, 2021
This Privacy Policy (“Policy”) outlines the collection, use, storage, processing, disclosure, and protection of information, including personal and business information, provided by you (“User” or “You”) while using the ClikFin website accessible at www.clikfin.com or through the mobile application (“Website”). ClikFin, also referred to as “Us,” “Our,” or “We,” is owned and operated by CygniSys Services Pvt. Ltd. Formerly known as (CygniSys OPC Pvt. Ltd.), with its registered office at #147, 3rd Floor, 7th Sector, 5th Main, HSR Layout, Bangalore, Karnataka 560102, India.
By using the Website, you acknowledge that you are a natural person, a citizen of India, and at least 18 years of age. This Policy constitutes a legal agreement between you, as the User, and ClikFin, the owner of the Website.
1. User Information Collected: When you use our Services, website, and mobile application, we may collect information from you and third parties. Some information is mandatory, while others are optional, and certain details will remain private, while some will be shared with associated third parties. The information collected includes but is not limited to:
- Personal and financial details such as name, email address, contact number, gender, date of birth, employment information, academic qualification, etc.
- Credit-related information collected from credit bureaus.
- Transaction history and spend data.
- Unique identifiers like username and password.
- Information from linked social media accounts (Facebook, Twitter, LinkedIn, etc.).
- Information provided through emails or phone calls.
- Other information required by law or specific mandates.
2. Acknowledgment & Rights of the Company: ClikFin reserves the right to stop providing Services at any time without prior notice. Upon termination, granted rights and licenses will end, and Users must cease using the Platform. ClikFin is a platform that connects Users, but it is not involved in loan granting, borrowing, or any financial transactions. Users are solely responsible for the use of financial products obtained through the Platform. ClikFin does not guarantee the performance of third-party service providers or the accuracy of User-provided information.
3. Third-Party Sites: Links to third-party websites or applications connected via links to the Website are not covered by this Policy. Users are encouraged to review the privacy policies of these external sites.
4. Children’s Privacy: ClikFin’s Services do not address anyone under the age of 13, and we do not knowingly collect personally identifiable information from children under 13. If we discover such information, we will promptly delete it from our servers.
5. Privacy Policy Subject to Change: ClikFin may change this Policy at its sole discretion from time to time. We encourage Users to periodically review the Privacy Policy for updates.
6. Cookies: We use cookies to enhance User experience and track User behavior on the Website. Users can choose to decline cookies, but this may affect certain features of the Website.
7. Waiver: No term of these Terms of Use shall be deemed waived, and no breach shall be excused unless in writing and signed by the Company.
8. Violations: Please report any violations or grievances related to these Terms to support@clikfin.com.
Details of Personal Loan
ClikFin offers personal loans ranging from INR 50,000 to INR 10,00,000 based on your requirements. The interest rates vary from 16% to 24%, depending on the type of loan.
- Minimum Tenure: 12 months
- Maximum Tenure: 60 months
- Maximum Annual Percentage Rate (APR): 29%
Note: This Privacy Policy is effective from March 15th, 2021, and the terms and conditions may change as prescribed by ClikFin from time to time.