PRIVACY POLICY

We built the "Glowmore Finance" App as a Free app which is a loan application crafted and managed by "GLOWMORE FINANCE PRIVATE LIMITED". "GLOWMORE FINANCE PRIVATE LIMITED" is a company registered in India with Corporate Identification Number U65993OR1997PTC027920 and Non-Banking Financial Company (NBFC) License No. B-04.00033, located at Govind Bihar, 6th Lane, Extn.3, Lochapada Road, Berhampur sadar Ganjam OR 760001 IN. The company holds the financial qualification of an NBFC (Non-Banking Financial Company).

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information. If you choose to use the Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. we will not use or share your information with anyone except as described in this Privacy Policy.

1.THE DATA WE COLLECT ABOUT YOU

We collect, transmit, and store personal data about you on our secured Glowmore Finance server after obtaining your consent, to provide you with, or in connection with, the Services. Please note that we only collect and process a minimal amount of your personal data to provide you with the Services. Such personal data includes:

Identity and profile-related data: This includes your first and last name, date of birth, gender, photographs, educational qualifications, purpose of loan, employment status, company information, contact information (including addresses, email IDs and phone numbers) and marital status.

KYC data: This includes identification documents issued by the government or other authorities, and includes details of or pertaining to your Aadhaar, PAN card, voter ID, etc.

We do not access your mobile phone resources such as contact list, call logs, telephony functions, and files & media (except as disclosed above in order to enable you to upload documents). We do not collect your biometric data. However, we may access your camera, microphone, location (fine and coarse GPS data), or any other facility solely for the purpose of onboarding or KYC checks, after obtaining your explicit consent. We collect, transmit, and store above mentioned data on our secured Glowmore Finance server .

We are required to collect your personal data to provide you with access to the Platform and Services. In certain cases, we are required to collect personal data as required by law, or under the Terms. If you fail to provide us that data as and when requested by us, we will not be able to perform our obligations under the arrangement we have with you or are trying to enter into with you (for example, to provide you with features of the Services). In this case, we may have to cancel or limit your access to the Services (or part thereof).

2.THE PERMISSIONS WE COLLECT ABOUT YOU

Users seeking full loan approval through the application must consent to granting us permission to access the following on their devices:

A) Camera: Applications are permitted to access camera functions to capture images/videos. Loan applications necessitate borrowers to furnish pertinent information for identity verification, thereby mitigating financial fraud risks.

B) Location: Applications are allowed to access location services to ensure loan services coverage within the borrower's vicinity. Failure to fall within the service area will render borrowers ineligible for loan services.

3.HOW WE COLLECT DATA ABOUT YOU

We use different methods to collect and process personal data about you. This includes:

Information you provide us: This is the information (including identity, contact and KYC) you consent to give us when you use our Services or when you correspond with us (for example, by email or chat, or through the Platform). It includes information you provide when you register to use the Services, use a Platform feature, share data through the Platform, or when you report a problem with the Platform and our Services. If you contact us, we will keep a record of the information shared during the correspondence.
Information we collect about you and your device: Each time you visit the Platform or use the Services, we will automatically collect personal data through the use of tools like cookies.
Information we receive from other sources including third parties and publicly available sources: We will receive personal data about you from various third parties and public sources including our third parties, and other publicly available sources.

Please note that we do not have any control over personal data that you may choose to make publicly available. For example, if you post reviews, comments, or messages on public sections of the Platform or on an application store, you do so at your own risk. We are not liable for third-party misuse of such data.

4.HOW WE USE YOUR PERSONAL INFOMATION

We will only use your personal data in accordance with the applicable law. Most commonly, we will use your personal data to provide you with the Services, or where we need to comply with a legal obligation.

You agree and acknowledge that by using our Services and creating an account on the Platform, you authorise us, our associate partners, and affiliates to contact you via email, phone, or otherwise. This is to ensure that you are aware of all the features of the Services.

In general, we use your personal data for the following purposes and activities undertaken without direct human supervision or control:

Register you as a user of the platform, process your loan application.
Conduct loan approval and risk assessment.
Manage loan accounts and repayment.
Send communications related to your use of the platform or services, including via WhatsApp business messages.
Perform marketing services, including sending promotional messages to you.
Monitor trends to improve the platform and services.
Contact or locate you in case of any default, in compliance with Reserve Bank of India regulations
Comply with applicable legal and regulatory requirements.

5.HOW WE SHARE YOUR PERSONAL DATA

You agree and acknowledge that any and all information pertaining to you, whether or not you directly provide it to us (via the Services or otherwise), including but not limited to personal correspondence such as emails, instructions from you, etc., may be collected, compiled, and shared by us with third parties after obtaining your explicit consent, solely in order to render the Services to you (that is, in connection with loan applications and your loan journey). This may include but not be limited to Lenders (as defined in the Terms), storage providers, data analytics providers, consultants, lawyers, and auditors. We may also share this information with other entities in the Glowmore Finance group in connection with the above mentioned purposes. If you fail to provide consent for sharing of such data when requested by us, we may not be able to perform our obligations under the arrangement we have with you or are trying to enter into with you. In this case, we may not be able to provide the Services to you.

You agree and acknowledge that we may share data where we are required by law, any court, a government agency, or authority to disclose such information. Such disclosures are made in good faith and belief that it is reasonably necessary to do so for enforcing this Policy or the Terms, or in order to comply with any applicable laws and regulations.

6.ACCESS AND UPDATING YOUR PERSONAL DATA

You hereby warrant that all personal data that you provide us with is accurate, up-to-date, and true. When you use our Services, we make best efforts to provide you with the ability to review and correct inaccurate or deficient data, subject to any legal requirements. We shall verify the accuracy of the new personal data you provided to us.

7.DATA SECURITY

We implement appropriate security measures and access controls to protect your personal data from unauthorised access, and follow technology standards prescribed by applicable law, including the Information Technology Act, 2000, Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the RBI and directions issued by the Indian Computer Emergency Response Team.

8.YOUR LEGAL RIGHTS

Under certain circumstances, you have the right to:

Request the erasure of your personal data: This enables you to ask us to delete or remove personal data. We shall comply with any request, subject to applicable laws and the terms of the loans that are sanctioned through the Platform.

Right to deny consent: This enables you to deny us the consent necessary to process your personal data. If you exercise this right, it may impact or restrict our ability to provide Services to you.

Right to revoke consent: This enables you to withdraw consent at any time. We shall comply with any request, subject to applicable laws and the terms of the loans that are sanctioned through the Platform.

We will facilitate your request to exercise such rights subject to the provisions of applicable laws relating to the processing and storage of data. If you wish to exercise any of the rights set out above, please write an email to the Grievance Officer, whose details are mentioned in Section 15 of this Policy, providing in as much detail as possible, the right(s) you wish to exercise. Please also include a description of the personal data you believe we hold or process about you, so that we may be able to locate such personal data. In the event that we need additional information from you, our Grievance Officer will contact you further.

We will be able to reply to your request(s) within 30 (Thirty) days of raising the request. In the event that we are not able to respond to or acknowledge your request within 30 (Thirty) days of receipt due to any reason, we will inform you.

When you modify, delete, or deactivate personal information, or close your account through your Account Settings page, any expenses associated with you (whether shared by you or with you) along with your name may persist in the records of those with whom they were shared. This is akin to how deleting an email account doesn't retract emails already sent.

9.LINKS TO THIRD PARTY WEBSITES

Our Services may, from time to time, contain services provided by or links to and from the websites of our partner networks, service providers, financial institutions, advertisers, and affiliates (“Third Party Services”). Please note that the Third Party Services that may be accessible through our Services are governed by their own privacy policies. We do not accept any responsibility or liability for the policies or for any personal data that may be collected through such Third Party Services. Please check their policies before you submit any personal data to such websites or use their services.

10.COOKIES

Cookies are small data files that are stored on your device. We use cookies and other tracking technologies to distinguish you from other users of the Services and to remember your preferences. This helps us provide you with a good experience when you use our Services and also allows us to improve the Services.

We identify you by way of using cookies. The cookies shall not provide access to data in your device such as email addresses or any other data that can be traced to you personally. The data collected by way of cookies will allow us to administer the Services and provide you with a tailored and user-friendly service. The cookies shall enable you to access certain features of the Services. Most devices can be set to notify you when you receive a cookie or prevent cookies from being sent. If you prevent cookies from being sent, it may limit the functionality that we can provide when you visit the Platform or try to access some of the Services.

Additionally, you may encounter cookies or other similar technologies on certain pages of the Platform that are placed by third parties. We do not control the use of cookies by such third parties.

11.CHANGE IN PRIVACY POLICY

Our business is constantly evolving, so we may periodically update our privacy policy. We reserve the right to change, modify, add, or remove any part of this privacy policy at any time without prior written notice. However, we will make reasonable efforts to notify you through prominent notices on our service. It is recommended that you regularly review this privacy policy for any changes. Your continued use of our service/platform signifies your acceptance and agreement to these modifications. We will never alter policies to reduce the level of protection for personal information already shared by you.

12.CONTACT US

If you have any questions about this Privacy Policy, the contact details of the Grievance Officer are provided below:

Email: [email protected]

Address: Govind Bihar, 6th Lane, Extn.3, Lochapada Road, Berhampur sadar Ganjam OR 760001 IN