Privacy Policy

www.99banks.in (herein after referred to as "Website") is designed, developed, owned, maintained and operated by Adhiban Finserv Private Limited ("The Firm"), a company incorporated under the Companies Act, 2013, having registered office at 1B, First Floor, KPM commercial Center, No: 63, Narayanasamy Layout, Bharathiyar Rd, near GKNM Hospital Signal, Pappanaikenpalayam, Coimbatore, Tamil Nadu 641037.

In the Privacy Policy of our website, "our", "we" and "us" means "the Firm" or "the company"; "you", "someone", "visitor" and "your" means any person who accesses, views, registe and uses this Website;

The Privacy Policy states this website's treatment of personally identifiable information that the firm collects when some visitor are on this website, and when you use this website's services. The mentioned policy also covers the firm's treatment of any personally identifiable data's that the firm's business partners share with the firm. This policy does not apply to the practices of companies that the firm does not own or control or to people, visitor that the company does not manage or employ.

Protecting our viewers or visitors privacy is important to the Firm, and we are committed to safeguarding and secure it. This policy states how personal data collecting from you in our website, or that you provide to us, will be processed. Please read the following policy to understand the information and data we collect, how it will be used, the shared information and the circumstances where we will share it with third parties. This privacy policy must be read together with our terms of use. If you use any of our Services mentioned in our website, you will be regarded as having read and accepted this privacy Policy mentioned. Users must not use this Website or our mentioned Services if you do not accept this Privacy Policy. By mere use of our Website, visitors expressly consent to our use and disclosure of your personal information and datas in accordance with this Privacy Policy. Our privacy policy is subject to change at any time without prior notice to users. To make sure you are aware of any changes on privacy policy, please review this privacy policy page periodically. Consenting to our use of cookies in accordance with the terms of this policy when you first visit our website permits us to use cookies on your device every time you visit our website.

The use of this firm's website may result in the collection and processing of website visitor's / user's personal data. The term "personal data" under data protection law refers to all the informations relating to a identifiable person who uses this website. An Internet Protocol (IP) address can also be considered as personal data of the user. An IP address is assigned to each device (Mobile, Laptop, Desktop, etc.) connected to the internet by the internet service provider (ISP), so that it can send and receive data from both (User and Website) end. When you use the website, we collect data that you provide yourself. In addition to that, when user uses the website, we automatically collect certain information about your use of it.

From our Firm / Website, we process user's personal data in compliance with the applicable data protection regulations. We will only process the data where we are legally permitted and allowed to do so. When you use this website, we will process personal data only with user / visitor consent, for the performance of a contract to which user / visitor are a party, or in order to take some steps at your request prior to entering into a contract, for compliance with a legal obligation, or if the processing is necessary for the purposes of firm's / companies legitimate interests or the legitimate interests of a third party, except where such interests are overridden by user's interests or freedom and fundamental rights which are require the protection of personal data.

We are collecting the Personal data / information, including but not limited to the following -

a) Data / information about your visits to website and use of this website including the referral source, time and length of visit, particular page views from the user, and website navigation link paths accessed;

b) Data / information about your computer, laptop including your IP address, browser version and type, geographical location and operating system;

c) Data / information that you enter while using the services on our website;

d) Data / information, such as user's email ID, that you enter when you register with website, to set up subscriptions to our website emails and/or newsletters, etc.;

e) Data / information, that visitors enter when they create a profile on this website - for example, your name, gender, profile pictures, birthday, relationship status, educational details, and employment or business details;

f) Data / information contained in any form of communications that you send to us by email, chat or through our website, including its communication content, contact form and metadata;

g) Data / information that is automatically generated based on the data entered from your end or based on the use of this website. Also while using our website, including when, how often or repeatedly, and under what circumstances you use this website;

h) Any other personal information that you send to us.

Certain content, features and information's of the website are available to you without the need to provide to us any information / data. However, other benefits & features of the website or the additional Services such as applying for a online loan will require providing the website with personal, employment, income details such example as your name, address, mobile number, email address, PAN, employment & income details, personally identifying information about if you are applying loan with additional co-loan applicant (should you select this particular option, also it's available in some particular loan type such as home loan, mortgage loan, etc.), a username and a password (collectively the "User Registration Information"). There are no user ID & password of any government or other institution asked in the platform. Any of your information / data that has been availed / received from any third party website or other, basis only on your consent, shall be used only in accordance with some particular internal procedures and secured governing access, in order to operate, analyze, provide best service, develop or improve the service of our website.

Before the user / website visitor disclose to us the personal data or information of another person (co-applicant of the loan), you must obtain that another person's consent to both the disclosure and the processing of that personal data / information in accordance with our privacy policy. We will not sell or rent your / co-applicant personal data / information to anyone, for any reason, at any time.

The firm and its partners collect and use your personal data or information only as follows ("The purpose of the collecting data or information"):

a) To send you any management / administrative notices or informations, offer alerts and communications relevant to your use of the Service;

b) For market research, detecting and protecting against error, project planning, troubleshooting issues, fraud or other criminal activity;

c) To enable the user to apply for certain products, applications and services for which the particular user have chosen to apply;

d) To use information in connection with compliance, legal claims, regulatory and investigative purposes as necessary (including disclosure of such information in connection with legal process or litigation).;

e) To third-party contractors, service providers that provide services to the firm and are bound by these same privacy restrictions;

f) To enforce 99Banks Online Loan Portal Terms of Use;

g) To analyze the usage of the website and to improve the Service;

h) To otherwise as set forth in this Privacy Policy.

If you access the Service through a co-branded URL provided by one of our co-brand partners, your personal information including your name, mailing address, mobile number, date of birth, employment type, residency status, details of the loan applied for, and loan status may be shared with the co-brand partner when you submit your application or when the application status is updated. Our company has a business relationship with these co-brand partners, and if you apply via a co-branded URL, you cannot opt-out of sharing your information with them.

We have a policy of not sharing any personal information with individuals or entities outside of our company, except for our employees, officers, professional advisors, third-party contractors, and third-party service providers as needed to achieve the purposes described in this policy.

For the purposes described in this policy, we may need to share your personal information with any member of our group of companies, including our subsidiaries, our ultimate holding company/ies, and all of its subsidiaries.

Our Site may offer several products and services from third parties, such as bank statements, ITRs, credit scores, GST returns, and data from MCA, which we refer to as "Offers." If you choose to apply for any of these products or services, provide information to the providers, or give them permission to collect information about you, then their use of your information is subject to their own privacy policies, and they will act as data controllers for your information. We encourage you to review the privacy policies of these external service providers and contact them directly for additional information before using their services. Please note that our company is not responsible for their privacy practices.

We may share your personal data with third-party service providers who will process it on our behalf for the purposes identified above. These third-party service providers include:

• Identity verification agencies
• Fraud prevention agencies
• GST Suvidha provider
• Bank statement analysing agencies
• Payment providers
• Credit rating agencies
• Digital marketing and content delivery agencies
• Application service provider

Under Data Protection Law, we are a data controller of your personal data. If you need to get in touch with us, you can find our contact details on the "Contact Us" page of our website.

We may share your personal data with government authorities, law enforcement officials, or relevant regulators if it is necessary to achieve the purposes described above, if required by law, or if necessary to protect our legitimate interests in compliance with applicable laws.

If our business is sold, merged, or integrated with another business or investor, we may disclose your details to our advisers and the advisers of any prospective purchasers, and we may transfer your details to the new owners or investors of the business.

• We understand the importance of protecting your personal information and take appropriate measures to prevent its loss, misuse, or alteration. To achieve this, we employ a combination of reasonable technical and organizational precautions. Our standards for protecting your personal information align with industry best practices, both during transmission and once we receive it.
• To maintain the security of your online sessions and protect your accounts and systems from unauthorized access, we utilize a variety of measures including firewalls, encryption techniques, authentication procedures, and other security protocols. These measures work together to safeguard your information and help ensure that your online interactions with us are secure.
• We employ encryption technology to protect all electronic financial transactions that occur on our website. This helps ensure that your financial information is kept confidential and secure, and reduces the risk of unauthorized access to your sensitive data.
• Our security procedures conform to the internationally recognized standard IS/ISO/IEC 27001, which outlines the requirements for information technology security techniques and information security management systems. This ensures that our security practices meet or exceed industry standards and that we have implemented appropriate controls to protect your information.
• To enhance your privacy and security, we require you to create a password when you register for our service. This password is essential for accessing your account and safeguarding your information from unauthorized access. When you submit your registration information or account credentials, we use secure transmission methods to protect your information in transit. This helps ensure that your information remains confidential and secure while using our service.
• We have implemented several measures to protect the confidentiality and integrity of our databases. Our databases are protected from general employee access, both physically and logically. We employ encryption techniques to secure your service password and ensure that it cannot be recovered, even by us. Additionally, we encrypt all backup drives and tapes to minimize the risk of data loss or theft. We enforce physical access controls to our buildings to prevent unauthorized access. As part of our security policies, we strictly prohibit employees from storing any sensitive content on any insecure machine, such as an insecure laptop, to minimize the risk of data breaches.
• You acknowledge that no method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at support@99banks.in.

To ensure the confidentiality and integrity of your personal information, we use encryption to secure all communications between our website and your computer. This means that all client and server applications can communicate securely, preventing eavesdropping, tampering, and message forgery. Our encryption technology helps ensure that your personal information remains private and secure during transmission, reducing the risk of unauthorized access or interception.

Our platform is currently only available within India. However, we may store, process, and transfer the information we collect to any country where we may operate in the future, in accordance with this policy. By using our platform, you expressly agree to such transfers of personal information, which may involve countries that have different data protection laws from those in your country of residence. We take appropriate measures to ensure that your personal information is protected in accordance with applicable laws and this policy, regardless of the location where it is processed or stored.

Occasionally, we may need to request additional personal information from you to offer you additional benefits of our service. In such cases, we will always provide you with the option to provide or decline to provide that information, and it will only be used for the stated purpose. We may aggregate personal information and disclose it in a non-personally identifiable manner to:

• The number of users who applied for a loan may be shared with third parties for their marketing and promotional purposes.
• The Service allows users to compare their personal financial situation with that of the broader community.

We gather information that does not disclose your identity. To assist us in providing the Service to you, we may engage third-party service providers, who could help with tasks such as sending emails on our behalf or operating specific features of the Service. We have agreements with these third parties that specify the proper handling and use of your data and forbid them from utilizing any of your personally identifiable information for purposes other than the service or product they are providing.

We will keep your Personal Data for a duration that aligns with its original purpose of collection. The retention period we set depends on factors such as the amount, nature, and sensitivity of your Personal Data, the risk of unauthorized use or disclosure, whether alternative methods can fulfill the processing goals, and any relevant legal requirements (such as applicable statutes of limitation). In the event that we are unable to completely remove certain information from our systems due to technical limitations after the appropriate retention period, we will implement measures to prevent any further use of the data.

If any of the personal information you provided during your application for a product on our Sites changes, you can easily update it while applying for a new product through the Service. To make sure your information remains accurate while your application is under review, please reach out to us at support@99banks.in so we can review and update your personal information as necessary.

We will keep your information as long as your account is active or as required to deliver the services you requested. If you want to terminate your account or request that we stop using your information to provide services, please contact us at support@99banks.in. We will continue to keep and utilize your information as required to meet our legal obligations, address disputes, and enforce our agreements

Like many websites, we automatically gather and store specific information in log files. This information might include your internet protocol (IP) address, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We might merge this automatically collected log data with other information we collect about you to improve the services we provide, enhance marketing efforts, or optimize site functionality and analytics.

We may use cookies on this Website to store small amounts of data on your machine, provided that they are enabled. Cookies are electronic files that collect information when someone visits a website. They can identify the pages being viewed and help us track which features you find most appealing, as well as any content you may have viewed during previous visits. Some cookies only exist while viewers are online, but 'persistent' cookies are not session-based and remain on the viewer's computer. 'Persistent' cookies enable us to personalize our content according to your preferences the next time you visit this site.

We may use various technologies, such as cookies, beacons, tags, and scripts, in partnership with banking and financial entities, affiliates, analytics providers, or service providers such as Google AdSense or Google Analytics. These technologies allow us to analyze trends, administer the site, track users' movements around the site, and gather demographic information about our user base as a whole. We may receive reports based on individual and aggregated use of these technologies by these companies.

We use cookies on our website to personalize our service for you. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but some features or areas may be limited. You can refuse to accept cookies by changing your browser settings. Unless you adjust your settings to reject cookies, our system will issue them when you log onto the Website.

We may collaborate with a third party to exhibit advertisements on our website or to oversee our advertising on other websites. These third-party partners might employ technologies like cookies to collect data about your activities on our website and other sites, to provide you with advertising that is tailored to your interests and browsing history.

We will not share your personal information with third parties unless you specifically request us to do so.

Our website may offer various products and services provided by third parties, such as lenders, banks, credit bureaus, KYC checks, and other similar services ("Offers"). If you choose to apply for these products or services, share your personal information with the providers, or give them permission to collect information about you, then they will act as data controllers of your information, and their use of your information will be governed by their respective privacy policies. Before deciding to use their services, we recommend that you review their privacy policies or contact them directly for further information. Please note that the Company is not responsible for the privacy practices of these external service providers.

Despite the above, the Company retains the right (and you give permission to the Company) to reveal or share your personal information if the Company determines, at its sole discretion, that such disclosure is necessary or appropriate:

• As mandated by law
• When we have good faith belief that disclosure is necessary to safeguard our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request
• In connection with any ongoing or potential legal proceedings
• If the Company becomes involved in a merger, acquisition, or sale of all or a portion of its assets, you will be informed via email and/or a prominent notice on our website of any changes in ownership or uses of your personal information, as well as any options you may have concerning your personal information.

We offer periodic emailers and email/SMS alerts to our registered customers. Additionally, users can sign up for email newsletters, and occasionally, we may send emails promoting our own or third-party goods and services. If you are a subscriber of the Company, you may choose to opt-out of receiving our promotional emails or terminate your newsletter subscriptions by following the instructions provided in the emails. It's important to note that opting out of these promotional emails will not stop the transmission of service-related emails/SMS, such as email/SMS alerts.

It is your responsibility to maintain the confidentiality of your Login ID and Password. You must keep your Login ID and Password secure and not disclose them to any third party. If you suspect that your Login ID and Password have been compromised or disclosed to others, you must notify us immediately at support@99banks.in. Please note that we are not liable if someone gains access to your account through the Registration Information obtained from you or if you violate this Privacy and Security Policy or the 99 Banks Online Loans Terms of Use.

If you have any security-related concerns, please contact us at support@99banks.in. We will work closely with you to provide a prompt and personalized response to your concerns.

We may update this Privacy Policy to reflect changes to our information practices. We encourage you to periodically review this page for the latest information on our privacy practices.

If you have questions, comments, concerns or feedback regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to support@99banks.in