PKF Finance ("we," "us," or "our") places significant emphasis on the privacy rights of our users and is dedicated to safeguarding their personal information. This Privacy Policy has been meticulously formulated in accordance with the provisions of the Information Technology Act, 2000, and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011.

We kindly urge you to peruse this Privacy Policy attentively, as it is crafted to gather, compile, store, process, utilize, analyze, and/or disseminate personal information of our users for legitimate and lawful purposes. Should you find yourself in disagreement with any of the terms outlined herein, we kindly request that you abstain from accessing our applications.

Your use of our Platform will be regulated by this Policy, as it pertains to the platform. This includes all policies, notifications, guidelines, disclaimers, and terms and conditions that are regularly published and communicated to you. It also covers any other terms that may be applicable to you as a user of our website. This Policy carries the same legal weight as any other written agreement and is enforceable against you.

We retain the right to update this Policy as necessary, and it is your responsibility to regularly review it for the latest information regarding our privacy practices.

INFORMATION COLLECTION

As part of our service delivery process, we diligently collect and process the following personal data, either owned by you or associated with you as a user:

Personal details: This includes your name, address, date of birth, contact details, marital status, PAN number, primary bank account details, bank statements, income tax returns, pay slips, and other relevant information.

Employment-related information: This encompasses details regarding your years of experience, income specifics, current employer's name and location, tenure, and any other pertinent employment details.

Credit-related data: We may obtain credit-related information from entities such as credit bureaus to assess your creditworthiness and eligibility for our services.

Know Your Customer (KYC) data: This includes details such as Aadhaar, PAN, Voter ID, photos, and other necessary information required for identity verification and regulatory compliance purposes.

Unique identifiers: These may include your username, password, preferences, and transaction history, which help us personalize your experience and ensure the security of your account.

Additional information: We may collect any other information mandated by applicable laws or required by regulatory authorities such as the Reserve Bank of India to comply with legal and regulatory obligations.

In addition to handling all collected information with the utmost confidentiality and in compliance with applicable data protection laws and regulations, we may also gather service-specific data. This includes personal and business particulars, income tax specifics, marital and family status, bank statements, and KYC documents. Such information may be obtained through various channels, including application forms, emails, printed forms, or other digital mediums. We collect personal information provided by you in the application, across other platforms, generated through user interactions, or via the application programming interface (API).

By agreeing to the Privacy Policy during installation by clicking "Agree," you provide us with consent to upload your information to our servers. We strictly adhere to stringent data confidentiality standards and ensure the highest level of security for your information.

CREDIT EVALUATION

I hereby, as a customer, authorize PKF FINANCE LIMITED to retrieve my credit data from credit bureaus such as Experian/CIBIL/Equifax/CRIF, etc., and assess my eligibility.

DISCLOSURE OF INFORMATION

You hereby grant explicit consent to the disclosure of your information (including SPD & I) by us to our affiliates, employees, and third parties, as per the terms outlined in this Policy. You explicitly permit us to share your information with third parties exclusively in the manner and for the purposes detailed below:

We may disclose your information to other financial service providers, banks, NBFCs, and our third-party partners and service providers for delivering services and offering products as specified in the Terms & Conditions.

We might share product details and your information with third-party partners and service providers to conduct data analysis, improve services, analyze your platform usage, and provide better service.

We could also share your information with third-party service providers for fraud detection, risk assessment, and promotional tele-messages and emails.

We collaborate with third-party advertising networks, publishers, and non-affiliated entities to advertise our products and services on platforms. We will share your provided information solely for the purpose of assisting us in advertising efforts.

We might disclose your information if compelled to do so by legal obligations, governmental orders, statutory authority, or to enforce our terms of use. This includes exchanging information with other companies and organizations to safeguard against fraud and credit risk.

We may share your information with third parties under confidentiality agreements for providing services. Such agreements restrict third parties from further disclosing the information except for purposes detailed in that confidentiality agreement. However, we are not accountable for security breaches or actions of third parties receiving your personal information. We will retain and use your information for periods necessary to fulfill legal obligations, settle disputes, and enforce agreements.

GPS

We collect your location information to improve our credit services, ensuring accurate loan assessments and a better user experience. Your explicit consent is needed, and you can adjust permissions in settings. We prioritize the highest security standards to protect your location data, maintaining confidentiality and avoiding third-party sharing.

CAMERA

To process loan applications and provide customer support, we need your consent to access camera permissions. We may use the camera to capture required documents or photos during the loan application process. The data will be kept confidential and not used for other purposes.

DEVICE INFORMATION

We collect and monitor your device information, including device name, model, region, language, identification code, hardware information, as well as software, status, usage habits, unique identifiers (such as IMEl and serial number). It is only used to identify your device and ensure that it is not used without your authorization, and to prevent fraud.

STORAGE AND SECURITY OF INFORMATION

Your personal data, including information from your device, is stored and processed on secure cloud servers, such as Amazon Cloud Servers, and other reliable cloud service providers. All information, whether directly provided by you or through your device, is safeguarded by us. We employ multiple security measures such as firewalls, SSL data encryption, and access authorization controls to ensure the security of the information and data you provide. We adopt reasonable security practices and procedures mandated by applicable laws to protect your information. Information you provide may be stored on secure servers within India.

However, it's important to acknowledge that data transmission over the internet may not be entirely secure. Any information transmitted to us is at your own risk. We assume no liability for information disclosure due to transmission errors, unauthorized third-party access, or other acts beyond our control. You are not entitled to hold the Company liable for security breaches.

INFORMATION SECURITY

We commit to employing proven security test devices to protect personal information acquired according to this Privacy Policy. However, we cannot guarantee the confidentiality of your information in the event that other parties illegally acquire and misuse it. We will exert every effort to prevent unauthorized access to your personal information and report such incidents to competent authorities.

COOKIES

Cookies are small files automatically generated on your computer equipment to assist in identifying and monitoring your internet connection, thereby improving access to our services. They help us understand your preferences and past content interactions. Upon revisiting our website, Cookies personalize the content to suit your needs. It's important to note that Cookies do not store personal user information, and all data within our Cookies is encrypted and inaccessible to other websites. Even if you initially accept Cookies, you have the option to reject their activation in your browser settings.

GOVERNING LAW AND DISPUTE RESOLUTION

This Policy is subject to the laws of the Republic of India and shall be interpreted in accordance with them. Any disputes arising from or relating to this Policy shall be exclusively under the jurisdiction of the courts in Jalandhar, India.

WITHDRAWAL OF CONSENT

You have the option to withdraw your consent granted under this Policy at any time. To formally withdraw your consent, please send a written request to our email address. Please note that failure to provide consent or withdrawing consent at a later stage will result in your inability to access the Platform or utilize the Services. We retain the right to withhold the provision of Services through the Platform under such circumstances. In such instances, the Company may proceed to delete or de-identify your information (both personal and otherwise) to render it anonymous and untraceable.

DELETED ACCOUNT

A user may cancel access under the following circumstances:

1.Failure to provide the necessary documents within the specified timeframe to become the creditor of the requested loan.

2.Rejection of the user's initial loan or refinancing application (as applicable). In such cases, the user has the option to request permanent account deletion within the Application. Upon account deletion, the user's personal data will be permanently removed. Deleting an account renders the user's profile invisible, requiring re-registration for future use.

CONTACT US

The Company's headquarters are situated in India. While browsing or utilizing the Platform, please be aware that the Company is bound to adhere to the local laws of India exclusively, and not necessarily to those of your region. Should you require information or clarification regarding the use of your personal information or this Privacy Policy, please feel free to reach out to us at the following email address: contact@pkffinancecash.com.