Privacy & Policy
Efineindia is
a transparent and ethical company and expects that its ethics and values are intentionally
upheld all across. Efineindia is bound by the relevant law of the land.
We suggest you go through our policies carefully, and keep visiting for updates.
- TERMS & CONDITIONS
- PRIVACY
We collect and generate various data points about you.
Data by which you are identified is termed as “Personal Data”. Personal Data
does not mean information that is freely available or accessible in public
domain.
Your Privacy is of utmost importance to us and protection of your Personal Data
is a key commitment for us.
We are also governed by the provisions of applicable law in India including the
Information Technology Act 2000 and the Information Technology (Reasonable
security practices and procedures and sensitive personal data or information)
Rules, 2011 to maintain the privacy of your Personal Data.
I. Personal Data
Personal Data we may collect from you are
as under:
1. Personal details (e.g. name, contact details including, residential address,
date of birth, documents such as identity card / passport details / Aadhaar
details / PAN / Voter ID / driving license, and/or education details) provided
by you to us to avail various products/services from us.
2. Your details including transaction history, balances, payment details, for
effecting transfer of monies through various payment channels provided by us.
3. financial details (e.g. income, expenses, and/or credit history) needed as
part of request for some of our products/services;
4. images of documents/ photos required to avail any of our products/services.
5. voice recordings of our conversations with our customer care agent with you
to address your queries/grievances;
6. employment details (e.g. occupation, positions held, employment history,
salary and/or benefits) as part of our record retention for credit/various
product evaluations or required under applicable law including Prevention of
Money Laundering (Maintenance of Records) Rules, 2005
7. specimen signature(s) for processing of your instructions received by us
through our various payment and delivery channels;
8. opinions provided by you to us by way of feedback or responses to surveys;
9. information obtained from your mobile device by way of using our app like
device location, communication information including contacts and call logs,
device information (including storage, model, mobile network), transactional
and promotional SMS/app notifications.
II. Sharing of your Personal Data
Any Personal Data that we have access to
shall never be shared without your consent.
In various processes / submission of applications / availment of
product/service offerings, we even seek your explicit consent to use / share
your Personal Data.
In our business and operational processes, we only share the data on a partial
and “need-to-know” basis to designated personnel or partners or service
providers.
We will share your data with competent/ legal/statutory/regulatory agencies /
authorities or partners/service providers acting on our behalf (as the case may
be) in following cases:
1. only for enabling the provision of the products/services availed by you,
strictly on a “need to know” basis and subject to applicable laws.
2. it is directed or required by legal/regulatory / statutory / governmental
authorities under applicable laws/regulations though a legally obligated
request.
3. it is required by financial institutions to verify, mitigate or prevent
fraud or to manage risk or recover funds in accordance with applicable
laws/regulations.
III. Usage of Your Personal Data
We use your Personal Data in our business
activities for providing our or our partners’ products/services and to perform,
among other actions, the following:
1. to facilitate the transactions or report on these transactions;
2. to undertake research and analytics for offering or improving our
products/services and their security and service quality;
3. to check and process your applications submitted to us for products/services
and/or instructions or requests received from you in respect of these
products/services;
4. to share with you, updates on changes to the products/services and their
terms and conditions;
5. to take up or investigate any complaints/claims/disputes;
6. to respond to your queries or feedback submitted by you;
7. to verify your identity for us to provide products/services to you;
8. to carry credit checks, screenings or due diligence checks as lawfully
required by us;
9. to monitor and review products/services from time to time;
10.to undertake financial/regulatory/management reporting, and create and
maintain various risk management models;
11. for conducting audits and for record keeping purposes;
12. for selective offers and promotions.
External Processing: We may
provide your personal information to our affiliates or other trusted businesses
or persons or service providers engaged by us, or institutions that we partner
with to assist us with providing you with products/services to better serve
your needs and interests, based on your instructions and in compliance with our
Privacy Policy and any other appropriate confidentiality and security measures.
We also use your Personal Data to fulfill the requirements of applicable
laws/regulations and/or court orders/regulatory directives received by us.
IV. Purging of your Personal Data
1. You may delete your Efineindia account at any point of time
by making such choice in Efineindia desktop website, mobile WAP site or mobile
application. With this we will no longer provide your data for external
processing as mentioned above. However, we retain your Personal Data as long as
the purpose for its usage exists, after which the same is disposed off by us
except for any record retention required as per applicable law.
2. The provisions of various laws require your transaction logs to be stored
for longer periods post the deletion of an account. Further, in the event of
the pendency of any legal/regulatory proceeding or receipt of any legal and/or
regulatory direction to that effect, we may be required by the law of the land
to retain your Personal Data for longer periods.
V. Cookie Policy
1. Please note that a “cookie” is a small
piece of information stored by a web server on a web browser so it can be later
read back from that browser.
2. We may use cookie and tracking technology depending on the features offered.
3. No Personal Data will be collected via cookies and other tracking
technology; however, if you previously provided Personal Data, cookies may be
tied to such information.
VI. Links to other websites
Our website may contain links to other websites which are not maintained by us. This privacy policy only applies to us. You are requested to read the other websites’ privacy policies when visiting these websites.
VII. Reasonable Security Practices and Procedures
We take various steps and measures to
protect the security of your Personal Data from misuse, loss, unauthorised
access, modification or disclosure. We use latest secure server layers
encryption and access control on our systems. Our safety and security processes
are audited by a third party cyber security audit agency from time to time.
We have provided multiple levels of security to safeguard your app by
Login/Logout option and AppLock feature that can be enabled by you. We also
ensure the device binding so that the same login cannot be used on different
device without any additional authentication/OTP. Please do not share your Efineindia login,
password and OTP details with anybody.
VIII. Contact us
You may contact us on any aspect of this policy or for any discrepancies/grievances with respect to your Personal Data, by writing to us at Efineindia Private Limited, Modi Bhawan, Sugiadih More, Hirak Road, K.G. Ashram, Dhanbad, Jharkhand – 828109.
IX. Policy Review & Updates
This policy will be reviewed by us as and
when required and the same may change at any time. The latest & most
updated policy can always be found at https:// Emarinersapp.com/our-policies/While
we will make reasonable efforts to keep you posted on any updates to this
privacy policy, to make sure that you are aware of any changes, we recommend
that you review this policy periodically.
This Privacy Policy shall apply uniformly to Efineindia desktop website, mobile WAP
site & mobile applications.
In this policy, the words “we”, “ours” and/or “us” refer to Efineindia Private
Limited and “you” and/or “your” refer to our customers.
