Privacy Policy/Statement

This document is an electronic record in terms of existing and applicable Information Technology laws and the amended provisions thereto pertaining to electronic records in various allied statutes as amended pursuant to the Information Technology laws. This electronic record has been generated by a computer system and does not require any authentication.

 

Preliminary Information

M/s Scoreup Fincoadvisors.com Private Limited and its affiliates if any (“we”, “our”, “us” or “Fincoadvisors.com”) respects your privacy. This privacy policy (hereinafter referred as “Policy”) explains our privacy practices with respect to your personal information throughout the entire Fincoadvisors.com website or network, the ways your personal information and data is collected, used and shared and the rights and options available to you with respect to your personal data. The use of the Websites is subject to the terms of the instant agreement.

Fincoadvisors.com knows how important privacy is to our customers. We want to make sure you understand how we collect and use your personal information. While this Privacy Policy applies to all our services, we’ll also provide additional information about privacy related to particular services where necessary.

The contents of this privacy policy (“Privacy Policy”) along with the terms and conditions (“T&C”)  are applicable to all, hyperlinks under www.fincoadvisors.com and/or any other channels or mode of communication or marketing such as WhatsApp Messages, Emails, Text Messages, Social Media Messages, Mobile application if any (“Websites”) or such other mode of information or service information.

 

OVERVIEW OF PERSONAL INFORMATION

We collect personal information that you provide directly on our website www.fincoadvisors.com (hereinafter referred as “Website”) or from the documents provided by you or accessed by us on your behalf as agreed upon our terms and conditions, information about how you use our services and information from third party sources.

“Personal Information” means any information that relates to a natural person, which, either directly or indirectly, in combination with other information capable of identifying such person and includes Sensitive Personal Data or Information which means such personal information which consists of information relating to:

• Full name
• Date of birth
• PAN card number
• Aadhaar number
• GST number
• Contact information (email, phone number, address)
• Password
• Financial information such as Bank account or credit card or debit card or other payment instrument details
• Physical, physiological and mental health condition
• Biometric information
• Any other details relating to the above

Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information.

Through your use of the Websites, you may choose to provide us with Personal Information that identifies you or any other individual whose information you are authorized to provide.

We use this information to provide you with services, understand the way you use our services so we can improve and personalize your experience and to provide more better services. Your information privacy or confidentiality is important to us.

• You will always have the ability to make choices about what personal information you provide to us and how such information is used. However, please note we may not be able to provide you our services if you do not provide us with the requested information.
• We shall take utmost care to protect your personal information by maintaining physical, electronic and procedural safeguards as per existing applicable Indian laws.
• We shall train our employees, staff, officers for proper handling of your personal information. When we avail services from third party/ies or some other person who is not an employee or staff or officers we require them to maintain privacy of information we received from you.
• This policy clauses do not cover privacy of that information which you provide to third party directly or indirectly from our website. You will be solely responsible for the privacy of those information.

COLLECTION OF INFORMATION

We collect Personal Information as elaborated in the point “Overview of Personal Information” of this Privacy Policy.

Collecting this personal information enables us to provide better service or digital service. By giving us this information, you agree to this information being collected used, disclosed as described or from documents that you may provide to us and/or from documents like the credit report that you authorise us to obtain on your behalf as per the terms and condition, additional terms if any and in this privacy policy. We will collect your profile information based on your consent from digital and social media properties including but not limited to Facebook, Linkedin, Google, Instagram, etc.

Website Browsers

You can visit our website without telling us who you are or revealing your personal information. But we collect certain device related information and analytics about our visitors and their use of our website while the visitor is just browsing the website, we collect the same basic information as other websites collect. We use common internet technologies, such as cookies, webservers, etc. This is stuff we collect from everybody whether you have registered or have an account with us or not.

Information we collect about all visitors to our website includes visitor’s browser type, language preference, referring site, additional websites requested, (internet Protocol) IP addresses and date and time of each visitor request. The IP address collected does not enable us to identify you by name or contact details, but it does allow us to maintain communication with your device during your visit. It also allows us to identify the location and country you are visiting from. We use the information we automatically receive from your web browser to see which pages you visit within our website, which Website you visited before coming to ours, and where you go after you leave. We develop statistics that are helpful to understand how our visitors can 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 us in its continuing effort to present the Website content that visitors are seeking in a format they find most helpful. 

Cookies

You can control whether to accept cookies or not. However, if you do not accept the cookies some features and services on our site may not work properly because we may not be able to recognize and associate you. If you would prefer not to accept cookies, you can:

1. Change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it. 2. Set your browser to automatically not accept any cookies.

In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.

Web beacons

Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count users of the Services, to monitor how users navigate the Services, to count how many e-mails that were sent were actually opened or to count how many particular articles or links were actually viewed. We do not tie web beacons to Personal Information. We use a third-party tracking service that uses cookies to track non-personally identifiable information about visitors to our site.

Embedded Scripts

An embedded script is programming code that is designed to collect information about your interactions with the Services, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third party service provider, is active only while you are connected to the Services, and is deactivated or deleted thereafter.

Social media widgets

Our Website includes Social Media Features, such as the Facebook Like button, Share this button on Facebook, Instagram, Twitter or any other social media websites or apps or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

Payments processors

We provide paid products and/or services on our Website. In that case, we use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council.

USAGE, PROCESS OR SHARING OF INFORMATION

We use the information for the following purposes:

1. To provide our customers and end-users our products and services.
2. To provide services by using our website and communicate with you for service-related matters.
3. To address and respond to service request and customer support issues.
4. To detect, prevent or otherwise address fraud security, unlawful or technical issues
5. To fulfil our contracts
6. To send you product updates, options, offer and services, marketing communication and service information.
7. Analyse data, including through automated systems and machine learning to improve our services or your experience.
8. To provide you information about your use of services, benchmarks, insights and suggestions and recommendation for improvement, protection of credit score.
9. To personalize and improve our services including providing you with targeted advertising.
10. To provide lenders with information which enables them to further provide details about your loan account or credit facility and suggest necessary actions to be taken.
11. To determine trends or metrics concerning how users are engaging with our online properties including our webpage.
12. To provide or fulfil obligations or functions under the applicable laws
13. To provide personal or credit information to Banks, Financial Institutions, Credit Bureaus, Reserve Bank of India or any other third party/ agency as required during the course of provision of services.
14. com may disclose and transfer such information to a third party who may acquire any or all of Fincoadvisors.com business units, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets or by any other permitted way.

 

DATA PROTECTION AND CONTROL OF INFORMATION COLLECTED AND USED ONLINE

To note that information or documents if any provided by you is used to help us provide you better services. You have the ability to choose what personal information, including what sensitive personal information you provide to us. However, if you decide to not provide any mandatory or all information as requested by us, we may not be able to provide you with the services that you have requested for. At any point of time while using or availing our services, you may decide to withdraw the consent given by you earlier to access or provide personal or sensitive information by dropping a mail on [email protected]. In this case the fees so paid by you will not be eligible for refund.

When you provide your contact details, we will use it to send you general notices or important news about your account, request your feedback or opinions and provide updates on special deals and offers that might interest you.

How and When Do We Disclose Other Information To Third Parties?

• Administrative and Legal Reasons

We may access, use, preserve, transfer and disclose your information (including Personal Information, including disclosure to third parties: (i) to satisfy any applicable law, regulation, summonses, orders, governmental requests or legal process if in our good faith opinion such is required or permitted by law; (ii) to protect and/or defend the Terms for any of our Services or other policies applicable to any of our Services, including investigation of potential violations thereof; (iii) to protect the safety, rights, property or security of the Services or any third party; and/or (iv) to detect, prevent or otherwise address fraud, security or technical issues. Further, we may use IP addresses or other Device Identifiers, to identify users, and may do so in cooperation with third parties such as copyright owners, internet service providers, wireless service providers and/or law enforcement agencies, including disclosing such information to third parties, all in our discretion. Such disclosures may be carried out without notice to you.

Business Transfer

We may share your information, including your Personal Information, and Usage Information with our parent, subsidiaries and affiliates for internal reasons. We also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Services or applicable database; or (ii) in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our membership interests and/or assets or other corporate change, including, during the course of any due diligence process.

Third Parties Providing Services on Our Behalf

We may use third party vendors to perform certain aspects of the Services on our or your behalf, such as hosting the Services, designing and/or operating the Services’ features, tracking the Services analytics or performing other administrative services. We may provide these vendors with access to user information, including Personal Information, to carry out the services they are performing for you or for us. However, we restrict the use of this information by such third-party vendors in our agreement with them and require them to use the information only to provide their services to us.

Link to Third Party Sites

We may link to the websites of other third parties. These third-party websites may collect personal information about you on those Websites, and our Privacy Policy does not extend to these external websites and third parties. Please refer directly to these third parties and web sites regarding their privacy policies. Links to third party sites do not imply endorsement or approval of the sites by Fincoadvisors.com and we cannot accept responsibility for the privacy practices of any websites not controlled by us. We encourage you to review the privacy policies of any third-party sites you visit.

What About Security?

Fincoadvisors.com maintains physical, electronic, and procedural safeguards that comply with regulations to protect Personal Information that we collect about you. We enable our servers with Secure Socket Layer (SSL) technology to establish a secure connection between your computer and our servers, creating a private session. We employ firewalls and other security technologies to protect our servers from external attack and securely store your Personal Information. We control access to this information via secure web pages, and limit access to only those employees or third parties on a need to know basis. We test our systems regularly to ensure that our security mechanisms are up to date. We incorporate commercially reasonable safeguards to help protect and secure your Personal Information and Credit Report Information. However, no data transmission over the Internet, wireless transmission or electronic storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure the security of any information you transmit to us you provide us with your information at your own risk

How do I know about changes to the Privacy Policy?

From time to time, we may change this Online Privacy Statement. The effective date of this statement, as indicated below, shows the last time this statement was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the statement.

How long do we retain your Information?

Fincoadvisors.com will not retain your sensitive personal information for longer than is required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force.

Application

This privacy policy does not apply to services offered by other companies or individuals, including products or sites that may be displayed to you in search results, sites that may include our services, or other sites linked from our services. This privacy policy does not cover the information practices of other companies and organizations who advertise our services, and who may use cookies, pixel tags and other technologies to serve and offer relevant ads.

Safety Measures and Procedures

We will not sell, trade or disclose to third parties any information derived from the registration for, or use of, any online service (including names and addresses) without your consent unless required under applicable law save and except to any of our Members and/or Affiliates for helping you in receiving loans or other purposes in relation to the businesses of our Members and Affiliates and as may be required by legal process or in the case of imminent physical harm to any person. Further, Fincoadvisors.com will allow its Members, Affiliates to access the information for purposes of confirming your registration and providing you with benefits you are entitled to.

We will take appropriate steps to protect the information you share with us. We have implemented reasonable security practices and procedures, technology and security features and strict policy guidelines to safeguard the privacy of your personally identifiable information from unauthorized access and improper use or disclosure. We will continue to enhance our security procedures as new technology becomes available.

Despite these reasonable efforts to safeguard personal information from loss, theft, alteration, or other types of misuse, we cannot guarantee that such loss will never occur. There is always a risk that a third party, without our authorization, might unlawfully access our systems or otherwise access personal information. Whilst we undertake reasonable measure, we are also not responsible for the authenticity of any information which is provided by you or otherwise collected from your use of the Websites, whether personal or otherwise.

Refund & Cancellation Policy

Cancellation

As a general rule after affirming to our services or availing or using our services, you may decide to withdraw the consent given by you earlier to access our services or provide personal or sensitive information by dropping a mail on [email protected]. In this case your services shall not be cancelled and you shall not be entitled to refund. We reserve the sole right for cancellation of services or order for services once agreed upon or placed and, in such cases, Fincoadvisors.com shall have a right to charge you cancellation fee, with a right to either not to refund.

Refunds

Persons availing or using our services, shall be entitled to charges for the Service as per the respective Service that you subscribed to. The fees, cost, taxes or any charges as applicable from time to time as updated by the management and charged to the person availing or using our services may be refunded after deducting the actual cost estimated by us and necessary charges incurred for rendering the services based on the discretion of the management, with a right to either not to refund. In case of refund cases, you may be entitled to refund based on the discretion of the management, only if you have pre-paid the charges, cost, fees, etc. for using or availing our services and the records maintained or availed or available with Fincoadvisors.com shall be final and binding for refund or cancellation process.

Fincoadvisors.com may receive a referral / facilitation fee from third party banks or any other credit institutions for (i) assisting with the settlement or payment of outstanding amounts dues owed to them by you and / or (b) for referring their products / services to you and by accepting these Terms you confirm that you have no objection to the same.

Marketing and Advertising

We use social media platforms such as Facebook, Instagram, LinkedIn, and others viz. Google Ads, WhatsApp, Tex Messages to promote our services and connect with users. These platforms may collect information about your interaction with our content, including pages visited and actions taken (likes, shares, comments), to provide personalized advertising based on your interests.

We may use social media pixels or similar technologies to track conversions and optimize our advertising campaigns. These tools allow us to measure the effectiveness of our ads and deliver more relevant content to you.

You can manage your ad preferences and opt-out of personalized ads directly through the settings on each social media platform.

Google Marketing Tools

We use several Google services for marketing and analytics purposes, including but not limited to:

• Google Ads
• Google Analytics
• Google Tag Manager
• Google Remarketing

These tools help us understand how users interact with our website and allow us to display targeted advertisements across Google’s network and third-party sites.

Google may collect data such as:

• Your IP address
• Device and browser type
• Pages visited and time spent
• Interactions with ads

We may use Google Ads Remarketing to advertise to previous visitors who haven’t completed a task on our site, such as filling out a contact form. This may be in the form of ads on the Google search results page or a site in the Google Display Network.

You can opt out of Google’s use of cookies for advertising by visiting Google’s Ads Settings. You can also use the Google Analytics Opt-out Browser Add-on.

You can control or limit how your data is used for advertising purposes:

• Adjust your browser settings to block or delete cookies.
• Use incognito/private mode to prevent tracking on a temporary basis.
• Opt out of interest-based ads through services like:
  • YourAdChoices
  • Network Advertising Initiative

GOOGLE ADWORDS REMARKETNG

This website and/or other channels uses Google Adwords Remarketing services to help analyze consumer behaviour. Whenever consumer visits our website, google system (Adwords Remarketing) would drop cookies (a packet of small data text files with id tags) on consumer’s system. Once consumer leaves our website and goes to some other website which have content or website relevant to our website, Google would display our ads on those websites based on cookies which were dropped earlier by Google (while consumer was on Fincoadvisors.com website). It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. Any data collected will be used in accordance with our own privacy policy and Google’s privacy policy.

Privacy of Collected Data:

We will never use the statistical analytics tool to track or to collect any Personally Identifiable Information (PII) of visitors to our site. Fincoadvisors.com will not link, or seek to link, an IP address with the identity of a computer user. We will not associate any data gathered from this site with any Personally Identifiable Information from any source.

Information About Google Remarketing:

This website uses Google Remarketing to advertise online using text or image ads on the Google Display Network. Remarketing is a feature that lets us reach people who have previously visited our site and show them relevant ads when they visit other sites on the Google Display Network.

Website Terms And Conditions:

In order to undertake Remarketing, Google has instructed to include certain terms in our website terms and conditions such as – We utilize Google Analytics features which are implemented based on Display Advertising (e.g., Remarketing, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration, or Google Analytics Demographics and Interest Reporting).

TransUnion CIBIL uses Remarketing with Google Analytics to advertise online. Third-party vendors, including Google may show TransUnion CIBIL ads on sites across the Internet.

TransUnion CIBIL and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on website visitors past visits to our website.

TransUnion CIBIL and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) together to report how your ad impressions, other uses of ad services, and interactions with these ad impressions and ad services are related to visits to TransUnion CIBIL site.

TransUnion CIBIL would use data from Google’s Interest-based advertising or 3rd-party audience data (such as age, gender, and interests) with Google Analytics.

In order to opt out of Google Analytics for Display Advertising / Remarketing consumer can access Google Analytics’ Google Analytics Opt-out Browser Add-on at following link https://tools.google.com/dlpage/gaoptout/. Consumers can customize Google Display Network ads by using the Ads settings for their respective google accounts.

By accessing the Website, providing personal information for inclusion in TransUnion CIBIL’s database, or by using the Products and Services, you hereby consent to your information being stored, used, altered, modified, compiled, dis-assembled, shared and disseminated as described here, by TransUnion CIBIL and its Affiliates.

Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect data from minors.

Changes in privacy policy

Please note that this Privacy Policy may change from time to time. We will may reduce your rights under this Policy without your explicit consent, and we expect most such changes will be minor. Regardless, we will post any policy changes on this page. Each version of this Policy will be identified at the top of the page by its effective date. If you have any questions or concerns about this Policy, please feel free to contact us any time through this web site. The Companies reserve their right to change, modify or update this privacy statement at any time without notice.

Questions or Suggestions

If you have any questions about the Companies’ Privacy Policy, collection, use, or disclosure of your personal information, please contact us on:

Call/ WhatsApp Support: +91-9324056248; or

Email on: [email protected]