CYGNISYS OPC PRIVATE LIMITED (hereinafter “ClikFin” “Us”, “Our” “We”, which shall mean and include its affiliates, successors and assigns) owns and operates this website, whether accessible on www.clikfin.com or such other URL as may be designated by ClikFin, or through a mobile application, if available, (“Website”). ClikFin doesn’t ask for money from its customers. THIS POLICY DESCRIBES OUR POLICIES AND PROCEDURES FOR COLLECTION, USE, STORAGE, PROCESSING, DISCLOSURE AND PROTECTION OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, BUSINESS OR PERSONAL INFORMATION PROVIDED BY YOU AS A USER (hereinafter referred to as “YOU” “YOUR” or “USER”) WHILE USING THE WEBSITE. USER SHALL MEAN ANY PERSON/ PERSONS, WHO VISITS, USES, DEALS WITH AND/ OR TRANSACTS THROUGH THE WEBSITE AND INCLUDES A BROWSER.
THIS POLICY CONSTITUTES A LEGAL AGREEMENT BETWEEN YOU, AS THE USER OF THE WEBSITE, AND CLIKFIN, AS THE OWNER OF THE WEBSITE. YOU MUST BE A NATURAL PERSON, CITIZEN OF INDIA, WHO IS ATLEAST 18 YEARS OF AGE.
Please read these Terms& Conditions carefully. These terms form a legal Agreement between CYGNISYS OPC PRIVATE LIMITED (“ClikFin” “Us”, “Our” “We”) AND “YOU” “YOUR” or “USER”. By clicking or downloading or installing, you accept and agree to the Terms & Conditions herein. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT CLICK I ACCEPT OR DOWNLOAD, INSTALL OR USE THE SERVICES. THIS POLICY DOES NOT APPLY ClikFin TO THIRD-PARTY WEBSITES/ APPLICATIONS THAT ARE CONNECTED VIA LINKS TO THE WEBSITE, the mobile application created, developed and designed by the Company for providing the Services to THIRD-PARTY mean non-banking financial company or Banks with whom the Company has tied up for loan sanction, which would sanction, process and permit the Loan to the Consumer, through the Platform. Cygnisys OPC Private Limited, a company incorporated under the Companies Act, 2013 having its registered office at #147, 3rd Floor, 7th Sector, 5th Main, HSR Layout, Bangalore, Karnataka 560102 India. Loan that you may apply for through the Platform and which is sanctioned and permitted by THIRD-PARTY, subject to the applicable terms and conditions of the Loan Agreement. Loan Agreement to be executed between THIRD-PARTY and the Consumer for permitting the Loan whether in physical or electronic form. ClikFin managed and operated by the Company for the provision of Services.
1. USER information collected
During the use of our Services, website and mobile application, we may collect information about you from you and from third parties. While some information has to be mandatorily provided, others are optional and certain portions of the information will remain private and some will be shared with associated third parties. All information you provide to us is voluntary. This information is including but not limited to the following:
∙ information about you when you register or when you use ClikFin;
∙ personal and financial information like your name, email address, contact number, gender, date of birth, contact information, address, employment information, pay slips, academic qualification, PAN no, Driving License no, Aadhaar no, bank statements, net-banking credentials, etc.
∙ Credit related information that is collected from other sources like credit bureaus. ∙ Information about your transaction history like spend data.
∙ We may also collect other personal information such as SMS, contacts, location data, mobile device data etc.
∙ your unique identifiers such as username and password, preferences information and transaction history;
∙ Information collected through your Facebook, Twitter, LinkedIn or other social media accounts which have been linked to using ClikFin.
∙ information that you provide when you write directly to us (including by e-mail) or provide us over telephone;
∙ any other information that ClikFin is required to collect as per specific mandate from any bank or as a requirement under applicable law;
∙ Electronic bank statements through a 3rd party provider
∙ Aggregate information and electronic data – like the pages viewed, how you navigate through the website and interact with webpages, etc.
2. ACKNOWLEDGEMENT & RIGHTS OF THE COMPANY :
ClikFin may wish to stop providing the Services, and may terminate use of it at any time without giving notice of termination to you. Unless ClikFin informs the User otherwise, upon any termination, (a) the rights and licenses granted to you in these terms will end; and (b) User must stop using the Platform forthwith. ClikFin reserves the right to suspend or cease providing any Service and shall have no liability or responsibility to the User in any manner whatsoever if it chooses to do so. You acknowledge that ClikFin is a platform bringing Users together and that the ClikFin is not engaged in either grant of loan or borrowing any money or assistance for any financial products from any member using the ClikFin Platform. You acknowledge that the use of the financial products is entirely based on the negotiations between the Users and third party and neither ClikFin nor its affiliates, contractors, employees, officers, directors, agents and their third party associates, licensors and partners have any interest with regard to any financial products assistance procured by or to a registered User. You acknowledge that ClikFin will not be responsible for any claim or damage in case of use of the financial products. ClikFin in no manner warrants or guarantees the performance of a third party service provider that is providing services through the App. You acknowledge that ClikFin in no manner guarantees that the Users have provided all the information on this App which is true and correct including his address, phone numbers etc. You acknowledge that it is your responsibility to verify the information about the person on the Platform and ClikFin is in no manner liable if the information provided on this App is untrue or incorrect. You acknowledge that ClikFin is in no manner responsible for any claim of money or damages in the event one person fails to either grant loan or a person fails to repay the loan or misrepresents his financial status or commits a fraud or cheating or any other such illegal act.
3. THIRD PARTY SITES :
There might be affiliates or other sites linked to Paisabazaar.com. Personal information that you provide to those sites are not our property. These affiliated sites may have different privacy practices and we encourage you to read their privacy policies of these website when you visit them.
4. User information:
a. We will also use the user information to enable activities and transactions that need to occur during the process of lending, such as:
- Generating and maintaining User profiles on the App;
- Provide personalized features;
- Aiding financial services organizations to provide better services;
- Facilitating collection activities as needed;
- Maintaining regular communications with the user concerning transactions the user initiates, such as requesting information or assistance, submitting a loan request, making payments, transferring funds, etc.
- Modifying the App from time to time to cater to the user’s interests;
- Providing the App and the functions and features therein, efficiently;
- Preserve social history as governed by existing law or policy;
5. Children’s privacy:
These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.
7. MISCELLANEOUS, LAWs AND JURISDICTION:
Please report any violations or grievances with relation to these Terms to the Company at Support@clikfin.com