Thank you for visiting EzyMoni. EzyMoni
Fintech Solutions (hereinafter referred to as ezyMoni) is the author and
publisher of the internet resource www.ezymoni.com / ezymoni.in (Website) on the World Wide
Web as well as the software and applications provided by ezyMoni, including but
not limited to the software and applications on the Website.
1) We respect the privacy of everyone who
visits this Website. The confidentiality and protection of your sensitive
personal information is important to us. This Privacy Policy tells you how we
collect and use personal information collected by us. Please read this Privacy
Policy before using the Website or submitting any sensitive personal
information or data.
All rights are reserved by ezyMoni. The
content, code and applications contained on this Website, under the domain www.ezymoni.com
are copyright protected. Website visitors may not reproduce, copy, or
redistribute content or code in any form without prior written permission from
the Company except for purely personal and non-commercial uses as per the Terms
of Use displayed on the Website and App.
Once you have accessed this website and have
started to make use of the site, it means that you explicitly agree with all
the terms that were described in the Privacy Policy, as well as the other terms
and conditions on the website.
The Website is intended for personal and
non-commercial use. You shall register to become a member of the Website only
if you are of the age of 18 or above and can enter into binding contracts as per
applicable laws. You are responsible for maintaining the secrecy of your
passwords, login and account information. You will be responsible for all use
of the Website by you and anyone using your password and login information
(with or without your permission).
You also agree to provide true, accurate,
current and complete information about yourself as and when prompted by the
Website. If you provide any information that is untrue, inaccurate, not updated
or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or ezyMoni
has reasonable grounds to suspect that such information is untrue, inaccurate,
not updated or incomplete, ezyMoni shall have the right to suspend or terminate
your account and/or refuse any and all current or future use of the Website (or
any portion thereof) or Services in connection thereto.
Telephone
Contact:
·
Notwithstanding your
registration with ‘do not disturb’ or ‘do no call’ services, by sharing your
contact number on the Website you are authorizing ezyMoni, its representatives,
its partner banks, NBFCs and financial institutions and their representatives,
to get in touch with you by giving you a promotional call or through SMS, and
to offer you their services in addition to the products offered by EzyMoni.
Email:
·
By sharing your email
id you are authorizing EzyMoni, its representatives, its partner banks, NBFCs
and financial institutions and their representatives, to get in touch with you
through promotional emails and offer you their services in addition to the products
offered by EzyMoni.
Collection
of Information:
·
EzyMoni, its officers,
employees and agents (if appointed) are required to collect certain information
(which may include sensitive personal information) from you to assist us in our
relationship with you.
·
You understand that
during the course of using this website you may be providing EzyMoni Fintech
Solutions and its affiliates, agents, vendors or partner NBFCs, such
information about yourself that may constitute as “sensitive personal
information” as defined by the Information Technology Act, 2000 and the
Information Technology Act (Reasonable Security Practices and Procedures and
Sensitive Personal Data or Information), Rules, 2011, and you hereby provide
your consent for use of such sensitive personal information by the Company, its
affiliates, agents, vendors or partner NBFC’s.
·
If you are unable to
provide the information we need we may not be able to provide you with the
product or service, you have requested. The types of information collected can
include:
2)
Collection of Information
Personal
Information
(a) At times we may request that you supply us
with personal information. Generally this information is requested when you
want us to provide you with information or a service. We may gather the following
information:
·
Loan Amount Requested
·
Name
·
Mobile Number
·
Email Address
·
Aadhaar No.
·
PAN No.
·
Date of birth
·
Residence Address
·
Residence Pincode
·
Residence Ownership
Status
·
Partner / Director
Details
·
Office Address
·
Office Pincode
·
Office Ownership
Status
·
Company Name
·
Constitution Type
·
Business Type
·
Entity Type
·
Industry
·
No. of years in
business
·
Business Turnover
·
Business Profit After
Tax
·
Existing EMI
Obligation
·
ITR filed or not for
the current year
·
ITR filed or not for
the last year
·
Social Data from Facebook,
LinkedIn, Google
·
Banking Data collected
through Perfios
·
Balance Sheet for last
2 years (if applicable)
·
Profit & Loss
statements for last 2 years (if applicable)
·
Income Tax Returns for
the last 2 years
·
VAT Receipts
·
ID proofs (Passport,
PAN, Election / Voter ID card, Driving License, Aadhaar Card, Government ID
Card)
·
Address Proofs
(Passport, PAN, Election / Voter ID card, Driving License, Aadhaar Card,
Government ID Card, Lease Agreement, Property Tax Receipts, Utility Bills)
·
Mobile Data including but
not limited to Transactional SMSes and location related information
·
IP address, a unique
identifier for your computer, cellular phones, tablets or such other device
(“Devices”)
·
Information which
relates to your financial affairs, business, employment, income or assets
·
Address of place where
your documents may be collected
·
Information regarding
your background from social media and other social platforms
·
Information collected
and/or disclosed at the time of personal discussions with our credit team/underwriters
or documents collection agents.
·
Information which
would help EzyMoni determine your eligibility to avail the products and
services offered
·
Information which
helps EzyMoni process applications made by you for particular products and
services such as bank statement, income tax returns, pay slip, loan
co-applicant’s personal information (if applicable)
·
Any personal
information you may provide to us during any telephonic conversation or e-mail
communication with our representatives or during document collection by our
representative
·
Any other information
that EzyMoni is required to collect.
(b) Information that is freely available in
the public domain or accessible under the Right to Information Act, 2005 or any
other law will not be regarded as personal information or sensitive personal
data or information.
Non-personal
information
(a) At this Website, information sent by your
web browser, may be automatically collected. This information typically
includes the domain name (the site after the @ in your e-mail address). It may
also contain your user name (the name before the @ in your e-mail address).
Other examples of information collected by our server include the Internet
Protocol (IP) address used to connect the visitor’s computer to the Internet,
operating system and platform, the average time spent on our Website, pages
viewed, information searched for, access times, Websites or applications
visited before and after a visitor visits our Website, and other relevant
statistics. The amount of information sent depends on the settings you have on
your web browser. Please refer to your browser if you want to learn what
information it sends;
(b) All such information will be used to
assist us in providing an effective service on this Website. We may from time to
time supply the owners or operators of third party websites from which it is
possible to link to our Website with information relating to the number of
users linking to our Website from such third party websites;
(c) We also use the information which we automatically
receive from your web browser to see which pages you visit within our Website,
which websites you visited before coming to ours, and where you go after you
leave. This is helpful to understand how our visitors use this Website. We use
this information in the aggregate to measure the use of our Website and to
administer and improve our Website. This statistical data is interpreted by the
Company in its continuing effort to present the Website content that visitors
are seeking in a format they find most helpful;
(d) When you use a Device to access our
Website, we may access, collect, monitor, store on your Device, and/or remotely
store one or more “device identifiers.” Device identifiers are small data files
or similar data structures stored on or associated with your Device, which
uniquely identify your Device. A device identifier may be data stored in
connection with the device hardware, data stored in connection with the
device’s operating system or other software, or data sent to the device by us;
and
(e) A device identifier may deliver
information to us or to a third party partner about how you browse and use the
service and may help us or others provide reports or personalized content and
ads. Some features of the Website may not function properly if use or
availability of device identifiers is impaired or disabled.
3)
Use of your information
(a) We collect and use your personal
information in order:
(i) to provide information or interactive
services through this Website to your e-mail address;
(ii) to respond to the queries and/or process
requests submitted by you and sharing your information with banks, financial
institutions and other third parties, in relation to any of our services
provided to you or any other information sought by you;
(iii) to contact you in relation to any of our
services offered on our Website;
(iv) to process applications submitted by you
through the online or offline process available on this Website, to avail any
of the services provided by us;
(v) to improve our business operations and to
communicate about our products, services, and businesses;
(vi) to provide information regarding our
services and this Website, to your e-mail address or, where you wish it to be
sent by post, to your name and postal address, to seek your feedback or to
contact you in relation to those services offered on our Website; and
(vii) to process your requests on the Website
and any possible later claims, to meet out our obligations in relation to any
agreement you have with us, to resolve problems in relation to any services
supplied to you, to create products or services that may compliment your needs.
(b) By using this Website for the purpose, you
are voluntarily releasing information to us. Your e-mail address will be used
by the Company to respond to you.
(c) In addition, we may have collected similar
information from you in the past. By entering this Website you are consenting
to the terms of our information Privacy Policy and to our continued use of
previously collected information. By submitting your personal information to
us, you will be treated as having given your permission for the processing and
using of your personal data as set out in this policy.
(d) We may also send you other information
about us, our Website, our newsletters, our products, sales promotions, our
other Website and applications, SMS and e-mail alerts, anything relating to
other companies in our group or our business partners. If you would prefer not
to receive any of this additional information you may click the “unsubscribe”
link in any email that we send to you or by sending an email at [email protected].
Kindly note that unsubscribing from one medium
does not automatically lead to unsubscription from the other. We endeavour that
within 15 working days of receipt of your instruction, to cease to send you
information as requested. If your instruction is unclear we may contact you for
further information.
(e) All the information provided to EzyMoni by
you, including sensitive personal information, is voluntary. You understand
that we may use certain information of yours, which has been designated as
‘sensitive personal data or information’, (a) for the purpose of providing you
the Services, (b) for commercial purposes and in an aggregated or non-
personally identifiable form for research, statistical analysis and business
intelligence purposes, for (c) for sale or transfer such research, statistical
or intelligence data in an aggregated or non-personally identifiable form to
third parties and affiliates. EzyMoni also reserves the right to use the
information provided by or about the end-user for the following purposes:
(i) Contacting the users for offering new
products or services;
(ii) Contacting the users for taking product
and service feedback;
(iii) Analyzing software usage patterns for
improving product design and utility;
(iv) Publishing such information on the
Website, including but not limited to, by way of testimonials, etc.; and
(v) Analyzing anonymized practice information
for commercial use.
(f) In addition to the terms of this Privacy
Policy, this section applies to all users registered with EzyMoni:
(i) As part of the registration as well as the
loan application creation and submission process that is available to the users
on the Website, certain information, including sensitive personal data or
information is collected from the users with their consent and may be shared
with our partner banks & NBFCs and other financial institutions;
(ii) All the statements in this Privacy Policy
apply to all users, and all users are therefore required to read and understand
this policy set out herein prior to submitting any sensitive personal data or
information to EzyMoni, failing which they are required to leave our Website
immediately;
(iii) Users’ personally identifiable
information, which they choose to provide to EzyMoni, is used to help the users
describe and identify themselves. This information is exclusively owned by EzyMoni.
EzyMoni may use such information for commercial purposes and in an aggregated
or non- personally identifiable form for research, statistical analysis, and
business intelligence purposes, and may sell or otherwise transfer such
research, statistical, or intelligence data in an aggregated or non-personally
identifiable form to third parties and affiliates;
(iv) Upon consent of the users, their
information may be shared with our partner banks, NBFCs, and other financial
institutions, when users register on our Website. Our partner banks, NBFCs, and
other financial institutions may use this information to offer the users their
products and services;
(v) Any personally identifiable information of
the users collected through the Website is not generated by EzyMoni and is
provided to EzyMoni by the users who wish to raise loans using the services
available on our Website. EzyMoni shares this information with its partner
banks & NBFCs and other financial institutions on an AS-IS basis making no
representation or warranty on the accuracy or completeness of the information. EzyMoni
will, however, take reasonable steps to ensure the accuracy of the identity of
the tutors;
(vi) EzyMoni makes every effort to capture
accurate information from the users. However, EzyMoni does not undertake any
liability for any incorrect or incomplete information provided to its partner
banks & NBFCs and other financial institutions;
(vii) EzyMoni will communicate with the users
through email, phone, and notices posted on the Website or through other means
available through the service, including text and other forms of messaging. The
users can change their e-mail and contact preferences by logging into their
“Account” on the Website and changing the account settings;
(viii) EzyMoni may keep records of electronic
communications and telephone calls received and made in relation to the
services or other purposes for the purpose of administration of our services,
customer support, research and development, and for better listing of Tutors;
(ix) All our employees and data processors,
who have access to, and are associated with the processing of sensitive
personal data or information, are obliged to respect the confidentiality of
every users’ sensitive personal data and information;
(x) EzyMoni may also disclose or transfer
users’ personal and other information a user provides, to a third party as part
of reorganization or a sale of the assets of EzyMoni. Any third party to which EzyMoni
transfers or sells its assets to will have the right to continue to use the
personal and other information that users provide to us, in accordance with the
Terms of Use;
(xi) To the extent necessary to provide users
with the services, EzyMoni may provide their personal information to third
party contractors who work on behalf of or with EzyMoni to provide users with
such services, to help EzyMoni communicate with users or to maintain the
Website. Generally, these contractors do not have any independent right to
share this information, however, certain contractors who provide services on
the Website, including the providers of online communications services, will
have rights to use and disclose the personal information collected in
connection with the provision of these Services in accordance with their own privacy
policies; and
(xii) EzyMoni will not sell/share your
personally identifiable information with any third party save and except in
accordance with the terms of contained herein or in accordance with the Terms of Use of the
Website.
(xiii) When you submit such personal
information to us, you represent that you have the lawful right to submit the
personal information and agree that you will not submit any information unless
you are legally entitled to do so and that such information is true, complete,
and accurate. You may not use a false email address or other identifying
information, to impersonate any person or entity, or otherwise mislead as to
the origin of any content.
(xiv) By agreeing to this privacy policy you
hereby provide EzyMoni explicit consent to make background checks regarding
your credit history and to obtain a credit report and a CIBIL score and/or any
other equivalent score from any other credit bureau/agency that the Company
deems fit.
4)
Commitment to Information Security
·
We take appropriate
measures to ensure that your information disclosed to us is kept secure,
accurate, and up to date. This site has reasonable security measures in place
to protect the loss, misuse, and alteration of the information under our
control. We utilize firewalls, SSL encryption technologies, and secured server
and authentication procedures for security purposes for our website.
·
Unauthorised attempts
to upload or change information (or otherwise cause damage to this Website) are
strictly prohibited. However, we assume no liability for any disclosure of
information due to any errors in transmission, unauthorised third party access
to our website and databases or other acts of third parties, or acts or omissions
beyond our reasonable control. In the event EzyMoni becomes aware of any
security breach, we will notify you as soon as possible and take appropriate
action to the best of our ability to remedy such a breach.
5)
Links to Third-Party Websites
·
This Website contains
links to sites outside www.ezymoni.com. The Company is not responsible for the
privacy practices, the content, the authentic nature or safety of such other
websites; and
·
Our Website links to
third party sites which we do not operate or endorse. These websites may use
cookies and collect your personal or non-personal information in accordance
with their own privacy policies. This Privacy Policy does not apply to
third-party websites and we are not responsible in any manner for third party
websites.
6)
Sharing your information with third parties
·
We may pass your
Personal Information including your name and address on to a third party in
order to deliver the services you have requested for;
·
We may also share your
data with our affiliates or agents or vendors or partner banks, NBFCs, and
other financial institutions, providing services through the Website. You
further authorise the affiliates or agents or vendors to use this information
to provide services to you, directly or indirectly;
·
We may also use your
data in order to manage this Website, enable you to subsequently access parts
of this Website, detect any fraud or abuses, send you information relevant to
the Website or our services, and in case we have any queries;
·
We may disclose your
information to service providers under contract who help with our business
operations and services offered on the Website (such as, but not limited to,
document collection services, user verification service providers, user credit
rating agencies, etc.);
·
We may also disclose
your information to respond to legal requirements, enforce our policies,
respond to claims that a listing or other content violates the rights of
others, or protect anyone’s rights, property, or safety. Such information will
be disclosed in accordance with the applicable laws and regulations;
·
We may also share your
information with law enforcement, governmental agencies, or authorized
third-parties, in response to a verified request relating to a criminal
investigation or alleged illegal activity or any other activity that may expose
us, you, or any other stakeholder of the company to legal liability. We may
also disclose your information if: (i) required to do so under any law for time
being in force, or required to do so under any order, decree or award passed by
any Court, Tribunal or any statutory authority; (ii) trying to protect against
the occurrence of, or prevent actual or potential, any fraud, hacking, malware
attack or unauthorized transactions or for investigating any of the aforesaid
activity which has already taken place;
·
We may also share your
information with other business entities, should we undergo any corporate
restructuring including any plan to merge with or be acquired by that business
entity or start a joint venture. (Should such a combination occur, we will
require that the new combined entity follow this Privacy Policy with respect to
your information);
·
You must only submit
to us or our agent or the Website information which is accurate and not
misleading and you must inform us of any changes; and
·
Under no circumstances
do we rent, trade, or share your personal information that we have collected
with any other company for their marketing purposes without your consent. We
reserve the right to communicate your personal information to any third party
that makes a legally-compliant request for its disclosure.
7)
How long do we keep your information?
·
We will only keep your
information for as long as (a) we are either required to by law, (b) as is
relevant for the purposes for which it was collected, or (c) in the
good-faith belief that such action is necessary to protect and defend the
rights, property, or safety of EzyMoni, its users, or the public.
8)
Information placed on your computer – Cookies
·
We may store some
information such as cookies on your device when you access our Website. Cookies
are text files containing small amounts of information which we download onto
your device when you visit our Website and App for record-keeping purposes. We
can recognise these cookies on subsequent visits and they allow us to remember
you.
A few important things you should know about
our use of Cookies:
(i) We use both session and persistent
Cookies. Session Cookies expire and no longer have any effect when you close
your browser. Persistent Cookies remain on your device until you erase them or
they expire;
(ii) You are always free to decline cookies if
your web browser permits, although doing so may interfere with your use of our
Website. Refer to the help section of your browser, browser extensions, or
installed applications for instructions on blocking, deleting, or disabling
Cookies;
(iii) We encode and protect our Cookies so
that only we can interpret the information stored in them;
(iv) You may encounter Cookies from third
parties, known as service providers, that we have allowed on our site that
assist us with various aspects of our web site operations and services; and
(v) If you want to find out more information
about cookies, go to http://www.allaboutcookies.org or to find out about
removing them from your browser, go to
http://www.allaboutcookies.org/manage-cookies/index.html.
9)
Children’s and Minor’s Privacy
·
EzyMoni strongly
encourages parents and guardians to supervise the online activities of their
minor children and consider using parental control tools available from online
services and software manufacturers to help provide a child-friendly online
environment. These tools also can prevent minors from disclosing their name,
address, and other personally identifiable information online without parental
permission.
10)
Changes to this Privacy Policy
·
We reserve the right,
at our discretion, to change, alter, modify, add, or remove portions from this
Privacy Policy at any time so you are encouraged to review this Privacy Policy
from time to time.
11)
Miscellaneous
·
All users must always
provide accurate and updated information to the website enables you to
change or amend your provided information, through your registered account on
our system.
·
Users can request to
ask if we are holding and piece of their personal data or receive a copy of
that information, provided that you have given us a viable proof of your
identity. In case you are not able to prove your identity, the company reserves
the right of refusal to send forward any personal details of our registered
users. We will also make sure to respond promptly to all user requests for any
personal details that the company holds about the user.
·
In case you do not
wish to receive updates or notices regarding our business in the future, they
are entitled to opting out by altering their preferences from their accounts,
or by getting in contact with our customer care representatives through the
address mentioned at the end of our Privacy Policy. Your request will always be
completed as quickly and fluently as possible. You can opt-out of receiving
emails from us by unsubscribing through an email that you will be sent after
contacting us as outlined below. Any changes that you make will only affect how
your information will be used in the future.
12)
Contacting us
·
Questions, comments,
and requests regarding this Privacy Policy should be addressed to [email protected].
You may also contact us on 1800-103-7382 (Monday-Saturday,
10 am to 6 pm).
13)
Additional Terms and Conditions
·
This Privacy Policy
shall be read in conjugation with our Terms of Service and any additional terms
that may be displayed by EzyMoni on individual webpages, and specific terms
made applicable to mobile applications and third-party vendors.
A