Ethics Express

PRIVACY POLICY

This Portal: https://ethicsfintech.com/ (hereinafter referred to as "Website” and/or “Platform”) is developed, operated and maintained by: Ethics Fintech Private Limited ("The Company"), a company, having office at: A - 2102/2103, 21st Floor, Privilon Building, Iscon Cross Road, Ahmedabad, Gujarat - 380054. In this Privacy Policy, "we", "our" and "us" means “the company" and/or “Ethics Fintech Private Limited”; "you" and "your" means any person who accesses and uses this Platform; This Privacy Policy covers this Platform’s treatment of personally identifiable information (“PII”) as defined under applicable data protection law of Digital Personal Data Protection Act, 2023 that the Company collects when you visits this platform and afterwards, and when you use this platform’s services. This policy does not apply to the practices of companies that the company does not own or control or to people that the company does not employ or manage.

IN BRIEF

Protecting your privacy is at the highest importance for the Company, and we are committed to safeguarding it. Please read the following policy to understand the information we collect, how we will use or process that information and the circumstances where we will share it with third parties. This policy should be read together with our Terms & Condition. If you use any of our Services, you will be regarded as having read and accepted this Policy. You must not use this platform or our Services if you do not accept this Policy. Where any consents are required under applicable law, such consent shall be obtained in a free, absolute, and informed manner. By mere use of this platform, you expressly consent to our use and disclosure of your personal information in accordance with this Policy. Your consent to use the cookies in accordance with the terms of this policy when you first visit our website permits us to use cookies every time you visit our website. Further, your consent shall enable our browser extension feature to enable us to store your last visits, conduct data analytics etc. This Privacy Policy covers this Platform’s treatment of personally identifiable information that the company collects when you are on this platform and afterwards, and when you use this platform’s services. This policy also covers the company’s treatment of any personally identifiable information (“PII”) that users share and/or the PII which the company may fetch/collect from various service providers with whom the company has integrated its systems to provide the necessary services to you. This policy does not apply to the practices of companies that the company does not own or control or to people that the company does not employ or manage.

This Privacy Policy has been updated to comply with the provisions of the Digital Personal Data Protection (DPDP) Act, 2023, ensuring transparency, data security, and protection of individual rights. We have taken measures to align with the DPDP Act’s principles, including data minimization, purpose limitation, and consent management.

COLLECTION OF AND PROCESSING OF YOUR PERSONAL DATA

The use of this platform may result in the collection and processing of your personal data. The term “personal data” under data protection law refers to all information relating to a specific or personally identifiable person (PII). When you use the platform, we collect data that you provide yourself. In addition, when you use the platform, we also automatically collect certain information about your use of it. We process personal data in compliance with the applicable data protection regulations. We will only process data where we are legally permitted to do so and you have provided consent or if the processing is necessary for the purposes of our legitimate interests or the legitimate interests of a third party, except where such interests are overridden by your interests or fundamental rights and freedom which require the protection of personal data.

COLLECTING PERSONAL INFORMATION

We may collect the following personal information, including but not limited to the following:

information about your computer including your IP address, geographical location, browser type and version, and operating system;
information about your visits to and use of this website including the referral source, length of visit, page views, and website navigation paths;
information, such as your email address, that you enter when you register with our website, to set up subscriptions to our emails, etc.
information such as your identity proofs, KYC documents (including PAN, Aadhaar or other officially valid documents), if required and submitted to site for legal or website purpose from time to time.
information that you enter when you apply for job under careers tab on our website for example, your name, profile pictures, addresses, mail ids, phone numbers, gender, educational details, institute details, employment details etc.; 6. information that you enter while using the services on our website;
information that is generated while using our website, including when, how often, and under what circumstances you use it;
information relating to anything you purchase, services you use, or transactions you make through our website, which includes your name, address, telephone number, email address, and credit card details or any other information which is required for loan facilitation;
information contained in any communications that you send to us by email or through our website, including its communication content, metadata and hashed data;
Any other personal information that you send to us. Any of your information that has been availed from any third party or Banks, financial institutes, or Credit Bureaus or Government Portal, basis on this consent, shall be used only in accordance with specific internal procedures as well as the statutory stipulations and safeguards governing access, in order to operate, develop or improve the service. Before you disclose to us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with this policy.

PROCESSING PERSONAL INFORMATION

The Company and its partners collect and use your personal information and other information only as follows ("The purpose"):
To enable you to apply for certain products and services including invoice-based financing and credit facilities offered by third-party lenders for which you have chosen to apply;
For market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;
To third-party contractors that provide services to the company and are bound by these same privacy restrictions & confidentiality obligations;
To enforce terms & conditions of Ethics Fintech Private Limited;
To use data in connection with legal claims, compliance, regulatory and investigative purposes as necessary (including disclosure of such information in connection with legal process or litigation)
To analyse usage of the site and to improve the Service/s and security;
To comply with directions, guidelines and regulations issued by the Reserve Bank of India or other statutory authorities, as applicable;
To otherwise as set forth in this Privacy Policy.
To perform various analytics for the betterment of the user experience/products
To carry out obligations arising from any contracts entered into between the User and company and to provide User facilities and services as per Users interest.
To provide User with information about other services, events and services that company offer that are similar to this User have already purchased or inquired about or other communications containing information about new services or upcoming events of the company, company’s affiliates and non-affiliated third parties such as societies and sponsors, if User has consented to receive this information.
To respond to the Users to requests, inquiries, comments or concerns.
To allow the User to participate in interactive features of our service when User chooses to do so

SHARING OF PERSONAL DATA

As a policy, we do not disclose any personal information to anyone other than those to our employees, officers, professional advisors', third party contractors, third party service providers as reasonably necessary for the purposes set out in this policy. We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company / ies and all its subsidiaries) as reasonably necessary for the purposes set out in this policy. There are several products and services that may be offered by third parties on our Site, such as bank statements, CIBIL Score, tax, PMBI etc. (collectively, "Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies and they will be acting as data controllers of your information. You should evaluate the practices of these external services providers and should view their privacy policies or contact them directly for further information before deciding to use their services. The company is not responsible for their privacy practices. Personal data may also be shared with third party service providers, who will process it on behalf of the Company for the purposes identified above these include:

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

For the purposes of Data Protection Law, the Company is a data controller of your personal data. You can get in touch with the Company by using the contact details mentioned in the contact us page. Notwithstanding the foregoing, the company reserves the right (and you authorize the company) to share or disclose your personal information when the company determines, in its sole discretion, that the disclosure of such information is necessary or appropriate as required by law, it is necessary to share such date to protect our rights and/or your safety and/or safety of others, investigation fraud, for any ongoing legal proceedings. In the event that the business is sold or merged or integrated with another business/investor, your details will be disclosed to our advisers and any prospective purchaser's adviser and will be passed to the new owners/investors of and/or in the business.

SECURITY OF YOUR PERSONAL INFORMATION

We will take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of your personal information. We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it.
We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect the accounts and systems from unauthorized access.
All electronic financial transactions entered into through our website will be protected by encryption technology.
Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us.
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 on the email provided in contact us segment on our website.

DATA TRANSFERS

Presently the platform is operational only within the territory of India. However, Information that we collect may be stored, processed in, and transferred between any of the countries in which we may operate in the future in order to enable us to use the information in accordance with this policy. You expressly agree to the transfers of personal information described in this Section. We hereby declare that the data localization is not practiced as the platform is independent of territories.

USING YOUR INFORMATION FOR MARKETING PURPOSES

From time to time we may request more personal information in order to provide you with other benefits of the Service. The company may aggregate personal information and disclose such data in a manner to:

Third parties for their marketing and promotional purposes for instance, number of retailed stores who applied for the loan, etc.
Users of the Service for the purpose of comparing their financial situation relative to the broader community.
Such information may not identify you individually. We may also use third party service providers to help us provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your personal information for purposes unrelated to the product or service they're providing.