privacy &security policy

This Privacy Policy applies between you, the user of this Website and Finnxt, the owner and provider of this Website. Finnxt takes the privacy of your information very seriously. This Privacy Policy applies to our use of any data collected by user provided by you in relation to your use of the Website.

DEFINITIONS AND INTERPRETATION

• Finnxt : A company incorporated in India and the owner and provider of this Website.
• User's, You or Your : Any third party that accesses this website and is not either employed by Finnxt and acting in the course of their employment, or engaged as a consultant or otherwise providing services to Finnxt and accessing the website in connection with the provision of such services.
• Website : The website that you are currently using, www.finnxt.com and any sub-domains of this Website unless expressly excluded by their own terms and conditions.

SCOPE OF THIS PRIVACY POLICY

This Privacy Policy applies only to the actions of Finnxt and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website including, but not limited to, any links we may provide to social media websites.

INFORMATION WE COLLECT FROM YOU

• Information provided by you by filling in forms on the Website.
• Information that you provide when you write directly to Finnxt (including e-mails).
• Information that you provide over telephone.
• Information provided by you to Finnxt by completing surveys.
• Information relating to logs is automatically reported by the User’s browser each time the User accesses a web page. When the User uses the Website, Finnxt’s servers automatically records certain information that the User’s web browser sends whenever the User visits any website. These server logs may include information such as the User’s web request, Internet Protocol (IP) address, browser type, referring/ exit pages and URLs, number of clicks, domain names, landing pages, pages viewed, and other such information. Finnxt uses this information, which does not identify Users, to analyse trends, to administer the Website, to track Users’ movements around the Website and to gather demographic information about the User base as a whole. Finnxt does not link this automatically-collected data to personally identifiable information.

USE OF THE INFORMATION COLLECTED

• Operate, maintain, improve, and provide to you the Service and to conduct our business;
• Analyze how the website is used, diagnose service or technical problems, and maintain security.
• Monitor aggregate metrics such as total number of views, visitors, traffic and demographic patterns.
• Verify your identity and conduct appropriate diligence;
• Register you as a user and identify you when you sign in to your account;
• Process your application and determine whether or not your business qualifies for one of our loan products;
• Communicate with you about changes to the Website.
• To enable Finnxt to comply with its legal and regulatory obligations.
• For the purpose of sending administrative notices, service related alerts and other similar communication with a view to optimising the efficiency of the Website.
• Post and review your comments on our blog.
• Conduct research and analysis to better understand our customers, troubleshooting, protection against errors, project planning, fraud and other criminal activity.
• To reinforce Finnxt’s Terms of Use.

NON DISCLOSURE / PRIVACY AND SHARING OF INFORMATION

• None of your sensitive information is ever given away, shared, traded, or sold to any unaffiliated 3rd party unless expressly authorized by you. Permission to do so may be required in the case that the user has requested a certain service or transaction which necessitates the intervention of a 3rd party. In such an event, the said third parties’ use of the information will be subject to such confidentiality obligations as contained in this Policy.
• Finnxt may disclose you information to governmental and other statutory bodies who have appropriate authorization to access the same for any specific legal purposes.
• Finnxt may disclose your information if it is under a duty to do so in order to comply with any legal obligation, or in order to enforce or apply the Terms of Use (displayed on the Website), or to protect the rights, property or safety of Finnxt, its Users or others. This includes exchanging information with other companies/agencies that work for fraud prevention and credit reference.
• Finnxt may disclose your information to its agents under a strict code of confidentiality.
• Finnxt may disclose your information to any member of its related or group companies including its subsidiaries, its ultimate holding company and its subsidiaries, as the case may be.
• In the event that Finnxt sells or buys any business or assets, it may disclose your information to the prospective seller or buyer of such business or assets. User, email and visitor information is generally one of the transferred business assets in these types of transactions. Finnxt may also transfer or assign such information in the course of corporate divestitures, mergers or dissolution.

NON COFIDENTIALITY

This Policy does not apply to any information other than information collected by Finnxt through the Website including such information collected in accordance with the clause on “INFORMATION WE COLLECT FROM YOU” above. This Policy shall not apply to any unsolicited information provided by the Users through this Website or through any other means. This includes, but is not limited to, information posted to any public areas of the Website. All such unsolicited information shall be deemed to be non-confidential and Finnxt shall be free to use, disclose such unsolicited information without limitation.

OPT OUT

Finnxt and our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from Finnxt and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us by email at contact@finnxt.com or by postal mail at the contact information listed below.

TRACKING TECHNOLOGIES

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Finnxt may place and access certain cookies on your computer. Finnxt uses cookies to improve your experience of using the Website and to improve our range of services. Finnxt has carefully chosen these cookies and has taken steps to ensure that your privacy is protected and respected at all times. You can choose to enable or disable Cookies in your internet browser. By default, most internet browsers accept cookies but this can be changed. You can choose to delete Cookies at anytime, however you may lose any information that enables you to access the Website more quickly and efficiently, including, but not limited to, personalization settings.

As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing, analytics, and Website functionality.

We partner with third parties to display advertising on our Website and manage our advertising on other sites. Our third party partners may use technologies such as cookies to gather information about your activities on this Website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out. Please note this does not opt you out of being served advertisements. You will continue to receive generic advertisements.

This Website may, from time to time, provide links to other websites. We have no control over such websites and are not responsible for the content of such websites. This Privacy Policy does not extend to use of such websites. You are advised to read the privacy policy or statement of other websites prior to using them.

Our Website includes Social Media Features, such as the Facebook “Like” button and Widgets, or interactive mini-programs that run on the Website. These features may collect the Users’ IP address, which page the Users are visiting on the Website, 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 the Website. The Users’ interactions with these features are governed by the privacy policy of the company providing it.

CHANGES TO THIS POLICY

Finnxt reserves the right to change this Privacy Policy as we may deem necessary from time to time or as may be required by the Law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the Privacy Policy on your first use of the Website following the alterations. We encourage you to periodically review this page for the latest information on our privacy practices.

SECURITY OF INFORMATION

Data security is of great importance to Finnxt and to protect your data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the data collected via this Website. If password access is required for certain parts of this Website, you are responsible for keeping this password confidential. We endeavor to do our best to protect your personal data. However, transmission of information over the internet is not entirely secure and is done at your own risk. We cannot ensure the security of your data transmitted to the Website.

SEVERABILITY

Finnxt has made every effort to ensure that this Policy adheres with the applicable laws. The invalidity or unenforceability of any part of this Policy shall not prejudice or affect the validity or enforceability of the remainder of this Policy.

NO WAIVER

The rights and remedies available under this Policy may be exercised as often as necessary and are cumulative and not exclusive of rights or remedies provided by law. It may be waived only in writing. Delay in exercising or non-exercise of any such right or remedy does not constitute a waiver of that right or remedy, or any other right or remedy.

GOVERNING LAW AND DISPUTE RESOLUTION

This Policy shall be governed by and construed in accordance with the laws of the Republic of India and subject to the provisions of arbitration set out herein, the courts at Mumbai shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with this Policy. If any dispute arises between Finnxt and the User in connection with or arising out of the validity, interpretation, implementation or alleged breach of any provision of the Policy, such dispute shall be referred to and finally resolved by arbitration in accordance with the Indian Arbitration and Conciliation Act, 1996 for the time being in force, which rules are deemed to be incorporated by reference in this clause. There shall be one (1) arbitrator and the seat of the arbitration shall be New Delhi, India. The language of the arbitration proceedings and of all written decisions and correspondence relating to the arbitration shall be English.

CONTACT INFORMATION

Any questions, concerns or complaints regarding this Privacy Policy should be sent to: contact@finnxt.com by email or with a letter by postal mail to: 1202/6, Runwal Orchard Residency, LBS Marg, Ghatkopar W, Mumbai 400 086.

Effective Date: 01/01/2017