CLASSIC FINANCE-Cash Loan app- Privacy Policy

Introduction

We value online privacy & security while browsing through the App and availing the Services available on the App. We make every effort to ensure that the information you provide will not be misused. This privacy policy (“Privacy Policy”) would apply to information we collect when you register with CLASSIC FINANCE-Cash Loan app, or when you access or use our App, or avail the Loan and facilities on our App (collectively the “Services”). Persons using the Services are hereinafter referred to as “Users” or “you”. By accessing the App, you are accepting the terms of this Privacy Policy.

Our goal in this Privacy Policy is to be completely transparent about the data we collect, why we collect, use, share, store and protect personal information about Users. Any capitalized term used but not defined in this Privacy Policy shall have the same meaning attributed to it in our User Terms and Conditions. We encourage you to familiarize yourself with our policies and let us know if you have any further questions.

The foregoing limitations shall apply notwithstanding any failure of the essential purpose of any limited remedy and to the fullest extent permitted under applicable law.

Device info

Collect and monitor specific information about your device including your hardware model, operating system and version, unique device identifiers like IMEI and serial number, user profile information and mobile network information to uniquely identify the devices and ensure that unauthorized devices are not able to act on your behalf to prevent frauds.

GPS Permission

Collect and monitor information about the location of your device to do risk assessment for credit scoring.

Contact List

When a User uses the Services, we automatically record information about the

User's usage ("Contact List").

Calendar

We use calendar permission to add payment reminders, to view and modify existing reminders set by us. We will strictly modify reminders set by us and other reminders are neither read nor stored. This permission is voluntary and can be revoked at any time.

Information Collected

To create an account on CLASSIC FINANCE-Cash Loan app, you must provide us with the basic details and information required as part of our Customer Identification process and you agree to our User Terms and Conditions and this Privacy Policy, which governs how we treat your information. App collects basic information required to provide customized services (for example: loan offers, content, more relevant ads), including your name, mailing address, postal code, job title, family details, employer details, phone number, PAN No., employment information, salary slips, declarations, your description and details in your account, financial information such as bank account etc.

You will register with us using your Facebook or LinkedIn account or Google identity (“Third party sites”). You understand that, by creating an account or by registering through Third party sites, we and others will be able to identify you by your CLASSIC FINANCE-Cash Loan app profile. However, we will not be liable under any circumstance for the generation of your profile or the information you provide therein. CLASSIC FINANCE-Cash Loan app will also not be liable for the photographs and data that the Users might upload, the use and misuse thereof. We will ask for your bank account details only for the Service.

All the information that you shall provide us is voluntary, including sensitive personal information. You understand that CLASSIC FINANCE-Cash Loan app may use certain information of yours, which has been designated as ‘sensitive personal data or information’ under the IT Rules for the purpose of providing you the services and for sharing the information only with affiliates who are subject to this Privacy Policy, as will be explained further below.

Protection of your privacy and your data security is a top priority at CLASSIC FINANCE-Cash Loan app. We encrypt your data and store it in multiple databases. There are security group and firewall checks to control the APIs with multi-level authentication, authorisation and verifications.

Please note that we always ask for your permission before accessing the information on your phone. We collect all SMS messages but monitor only your bank related financial transaction SMS, names of transacting parties, transaction description and amount to perform a credit risk assessment. No personal SMS data is read or stored. All information requested is relevant to create a credit score which helps us make faster credit disbursals and better credit limits. You may choose not to provide the information requested. However, your credit score may be inaccurate or unavailable for your application as a result.

Data / Cookies

We may set cookies to track your use of the App. These are used to enhance your experience with our App. We use cookies to help us identify who you are, so your login experience is smooth each time. Cookies also allow us to collect Non-Personally Identifiable Information from you, like which pages you visited and what links you clicked on. Use of this information helps us to create a more user-friendly experience for all visitors. In addition, we may use Third Party Advertising Companies to display advertisements on our App. By using the app, you signify your consent to our use of cookies. Please note that if you decline or delete these cookies, some parts of the App may not work properly.

Security Information

You can access your personal identity details on our App through your login and password. We recommend that you do not share your password with anyone. In addition, your personal details are stored on a secure server that only selected personnel contractors and authorised Agencies have access to. We encrypt certain sensitive information using Secure Socket Layer (SSL) technology to ensure that your personal details are safe as it is transmitted to us.

However, you understand and accept no data transmission over the Internet can be guaranteed to be completely secure. We cannot ensure or warrant the security of any information that you transmit to us and you do so at your own risk. Data pilferage due to unauthorized hacking, virus attacks, technical is possible and we take no liabilities or responsibilities for it.

Privacy Policies of Third Party Websites

This Privacy Policy only addresses the use and disclosure of information we collect from you. Other websites/apps that may be accessible through this App have their own privacy policies and data collection, use and disclosure practices. If you link to any such website, we urge you to review such website′s privacy policy. We are not responsible for the policies or practices of third parties.

We will share all information we collect from you, including the personal information with any third party if we in good faith believe it is required for the purposes of our compliance with any applicable law, regulation, legal process or enforceable governmental request/ action or any manner required for the purposes of protecting our rights or interests.

 These third party websites and advertisers or internet advertising companies working on our behalf, sometimes use technology to send or serve data that appear on our App. They automatically receive your IP address when that happens. They may also use cookies, JavaScript, web beacons and other technologies to measure the effectiveness of their advertisements and to personalize advertising content. Please be advised that we do not have access to or control over cookies or other features that they may use, and the information practices of these advertisers and third party websites are not covered by this Privacy Policy. Therefore, we are not responsible for the information or content they may contain, nor are we responsible for the privacy practices employed therein. Please contact them directly for more information about their privacy policies. This Privacy Policy applies solely to information collected by us through CLASSIC FINANCE-Cash Loan app.

Any personal information will be used but not limited to allow you to login to your account or to resolve specific service issues, inform you of our new services or features, or for call centre verification, or to communicate with you in relation to your use of the App. Any other information we collect will be used for-

Our business purposes and this may include the viewing or advertising of services or relating to any associated services;

Analytical purposes, data usage;

Improving the Application, or your user experience; and

Providing targeted advertisements to you.

We will share your personal information internally with those staff members who need it to carry out your instructions regarding the receipt of marketing information, Loan Processing, recovery of Loan. We will not disclose your personal information to any third party unless required to do so by law and/or covered under this Privacy Policy.

Our App complies fully with all the applicable and relevant laws of India.

Policy Changes

We may update this Privacy Policy to reflect changes to our information practices. You are encouraged to check this privacy policy on a regular basis to be aware of the changes made to it. Continued use of the services and access of the App shall be deemed to be your acceptance of this privacy policy.

General Matters

Confidentiality and Security: We use commercially reasonable security measures to protect the loss, misuse, and alteration of the information under our control. However, we cannot absolutely guarantee the protection of any information shared with us.

We make all User information accessible to our employees, agents or partners and third parties only on a need-to-know basis, and bind all such employees to strict confidentiality obligations Notwithstanding the above, We are not responsible for the confidentiality, security or distribution of your personal information by our partners and third parties outside the scope of our agreement with such partners and third parties.

Further, We shall not be responsible for any breach of security or for any actions of any third parties or events that are beyond the reasonable control of CLASSIC FINANCE-Cash Loan app including, acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of Internet service or telephone service of the User etc. Please be aware that you can opt out of receiving service messages from us.