Privacy Policy

This privacy policy is for this Website and governs the privacy of all users who choose to use it who will be referred to as “you”, “your”, “yours” or “Users” hereinafter. The term “Advetaya Business Consultant Private Limited” or the “Company” or “us” or “we” or “our” refers to the owner of the Website providing an online platform for obtaining financial products from  third party lending partners (hereinafter referred to as “Service Providers”) to the Users (“Services”). Protecting the security and privacy of your personal data is of utmost importance to Advetaya Business Consultant Private Limited which is collected from the User(s) of www.Aagey.com (hereinafter referred to as the “Website“); therefore, we conduct our business in compliance with applicable laws on data privacy protection and data security. The policy sets out the different areas where User privacy is concerned and outlines the obligations & requirements of the User, the Website and Website owners (“Privacy Policy”). Furthermore the way this Website processes, stores and protects user data and information will also be detailed within this Privacy Policy.

Advetaya Business Consultant Private Limited is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this Website, then you can be assured that it will only be used in accordance with this Privacy Policy.

Advetaya Business Consultant Private Limited may change this Privacy Policy from time to time by updating this page. You should check this page from time to time to ensure that you are updated with our changes. When you use the Services, you consent to our collection, use, disclosure and protection of information about you as described in this Privacy Policy.

1. DATA WE COLLECT FROM YOU DIRECTLY
   • We collect certain basic information, such as your name, mobile number, email address and PAN Number when you register for an account on the Website or use our Service. In order to use the Services on our Website, a User is  required to submit the following documents:
     • KYC Documents (as applicable);
     • Permanent account number (“PAN”);
     • Income tax returns for the previous financial year;
     • Bank statements;
     • Balance sheet for the previous financial years;
     • Property or Vehicle Documents (as applicable);
     • Audit report;
     • GST returns;
     • Any other business / individual documents as may be required to assess your eligibility to the financial products being offered by our Service Providers on our Website.

(collectively referred to as “Documents”).

• All the information provided by the User including the Documents shall be referred to as “User Information”. Additionally, all information pertaining to a specific individual or entity or to the identity of any individual or entity, including any details that may have been voluntarily provided by the User, whether to Unique Identification Authority of India (UIDAI), Credit Bureau or any other agency including any other Credit Information Companies or to our Service Providers will be included under the term “User Information”.
• All of the information collected from you directly is identified in the forms, other places when you respond to questions/surveys or where you indicate preferences throughout the Services, either online or communicated through our customer service representatives. Even if you are not a registered User on our Website, however, if you email us through the Contact Us page on our Website, we may retain a record of such email communication, including your email address, the content of your email, and our response.
• Some of the information referred hereinabove qualifies as “sensitive personal data or information” as defined under the Information Technology (Reasonable Security Practices & Procedures and Sensitive Personal Data or Information) Rules, 2011. Such information shall not be collected, used or shared without obtaining your consent.

2. DATE WE COLLECT AUTOMATICALLY

In addition to the information you provide to us directly, we may automatically collect information about your use of the Service, as below:

• Log File information: If you access our Website or use our Services, our servers may automatically record certain log file information. These server logs may include information such as your IP address and the browser you’re using, browser language, error logs, files you download and other such information. We might look at what site you came from, duration of time spent on our Website, pages accessed or what site you visit when you leave us. We might also collect the type of mobile device you are using, or the version of the operating system your computer or device is running. We might collect this as a part of a survey also.
• Cookies: When you use our Services, we may send one or more cookies- a cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. We use traffic log cookies to identify which pages are being used. This helps us analyze data about webpage traffic and improve our Website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system. Overall, cookies help us provide you with a better Website and Service, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the Website.
• Web analytics: We may use third party web-analytic services on our Service such as those of Google Analytics. These service providers use the technology described above to help us analyse how Users use our Services. The information collected by the technology (including your IP address) will be disclosed to or collected directly by these service providers. To prevent Google Analytics from using information for analytics, a user may install the Google Analytics Opt-Out Browser Add-on.

We may use this information in a number of ways, including: (a) to remember information so that you will not have to re-enter it during your visit or the next time you visit the Website; (b) to provide customer, personalised content and information; (c) to provide our Service and monitor its effectiveness, including on or through our affiliates and/or third party service providers; (d) to monitor aggregate metrics such as total number of visitors, traffic, demographic patterns; (e) to diagnose and fix technology problems; (f) to help you efficiently access your information after you log-in; and (g) to deliver advertising to you.

3. DATA FROM THIRD PARTY SOURCES
   • We may receive information about the User from publicly and commercially available sources, as permitted by law, which we may combine with other information we receive from or about the User. For example, in case of request for a secured loan, we may conduct a search of public records to determine the estimated value of your security and the taxes payable by you in order to automate the loan application process and make things more streamlines and convenient for you.
4. WHAT WE DO WITH THE INFORMATION WE GATHER

 

• We require this information to understand your needs and provide you with a better Service, and in particular for the following reasons:
  • To process or fulfil requests or transactions that you may have requested;
  • To send you critical information about the Service;
  • Internal record keeping;
  • To validate/authenticate your account and to prevent any misuse or abuse;
  • To provide, personalize, maintain, and improve our Services, perform internal operations necessary to provide our Services, including to troubleshoot software bugs and operational problems, to conduct data analysis, testing, and research; and to monitor and analyze usage and activity trends to improve User experience and develop new features;
  • Disclosing information to relevant Indian authorities as required by law or to protect, enforce, defend legal rights, privacy, safety, security and property of the Company, its employees, agents and to comply with applicable laws.
  • To enable our customer support to investigate and address your concern and monitor and improve our customer support responses and processes;
  • Detect and protect us against errors, fraud and other criminal activity and enforce our terms and conditions
  • We may periodically send promotional emails about new products or other information which we think you may find interesting using the email address which you have provided.
  • From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customize the Website according to your interests.
  • We may use your information for certain operational purposes including for performing audits and quality control.
  • We may aggregate and/or de-identify information collected through the Service. We may use de-identified and/or aggregated data for any purpose and without any restriction, including without limitation for research and marketing purposes and may also share such data with any third parties.
• You acknowledge and agree that collection of User Information is necessary for the purpose of providing Services to you and we may have to suspend or terminate provision of Services to you in case such User Information is not provided to us.

5. STORAGE AND SECURITY
   • All the User Information is stored with us and the servers are located in India. We undertake periodic review of our storage to determine whether it is necessary to retain your User Information and take necessary actions if the storage, processing or collection of your User Information is not necessary. However, the Company will continue storing the KYC related documents provided by the Users till the time such User continues maintaining an account with the Website.
   • To protect your privacy and security, we take steps (such as requesting a unique password) to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from the Company, at all times. Do not share your password with anyone and do limit your access to your computer or other devices by signing off after you have finished accessing your account.
   • We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure we have put in place reasonable as well as suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online on the Website as well as the Account.
   • We protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input in addition to maintaining security of your information as per the International Standard IS/ISO/IEC 27001 on “Information Technology Security Techniques Information Security Management System-Requirements”.
   • However, Advetaya Business Consultant Private Limited cannot be held liable for any security breach which may occur that threatens the safety of the information stored.
6. LINKS TO OTHER WEBSITES
   • Our Website may contain links to other websites of interest. However, once you have used these links to leave our Website, you should note that we do not have any control over the other websites. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this Privacy Policy. You should exercise caution and look at the privacy statement applicable to the website in question. Your browsing and interaction on any third-party website or service, including those that have a link or advertisement on our Website, are subject to that third-party’s own rules and policies. In addition, you agree that we are not responsible for, and we do not have control over, any third-parties that you authorize to access your User information. If you are using a third-party website or service and you allow such a third-party access to your User information, you do so at your own risk. The Company is also not responsible for sites directing you to the Website. Our Terms and Conditions and Privacy Policy do not apply to those third-party sites either.
7. SHARING OF INFORMATION/ DISCLOSURE
   • Service Providers and co-signers: We may share your information with Service Providers for the purpose of providing the Service to you such that they may provide you with information about your request for prequalified rates, offers, and information related to other products and services they offer. You agree that when you submit information to a Service Provider or third party through the Service, such submission of your information may also be governed by the Service Provider or third party privacy and security policies which differ from our Privacy Policy.

You understand that, subject to applicable laws and regulations, Service Providers may keep your information that relates to any submission of information that you may make through your use of the Service and any other information provided by the Company in the processing of any submission of information, whether or not you are eligible for the Service Provider’s products or services. You agree to notify any particular Service Provider directly if you no longer want them to keep your information. As a prospective borrower or applicant of Service Provider’s products or services, you agree that when you nominate a co-signer/co-applicant, the Company may share the Service Provider’s responses relating to your submission with your nominated co-signer/co-applicant, and, as a co-signer/co-applicant, we may share the Service Provider’s responses relating to your submission with the prospective borrower or applicant.

• Legal Requirements: The Company may share your information where required to do so if we are required by a court order, by government authorities, by law enforcement authorities or by other legal processes or where it becomes necessary to do so to protect the rights or property of the Company and/or its group companies/affiliates, employees, officers, agents etc. or to enforce our Terms and Conditions or to protect the security and integrity of our Service and/or exercise or protect the rights, property or personal safety of the Company, our Users or others.
• Business Transfers: We may also disclose your information in connection with, or during negotiations of any merger, sale of company assets, financing or acquisition of all or a portion of our business to another company, liquidation, dissolutions, reorganisations, similar transactions or proceedings involving all or portion of the Company. We may share your information with our affiliates that we control or are under common control. Such third parties are not permitted to disclose your User Information other than under such circumstances where such disclosure is permissible by us under this Privacy Policy.
• Third Party Vendors: We may share your information with third parties who work on behalf of, or with, the Company such as vendors, processors, agents and other representatives. We also use certain third party service providers for providing the Services on our Website. Service providers assist us with a variety of functions. This includes for assisting with customer service-related functions, providing advertising, analytics services, helping us verify your identity, obtain relevant report, providing website hosting services, assisting with auditing functions, and helping us with marketing and related research activities.
• Marketing Partners: We may share your personal information with third party marketing partners including partners who we conduct joint marketing activities with. Marketing partners also include those entities who maintain a link to our Services on their site, or the Company’s widget on their site, when you interact with that widget or click from their site to our Services.
• Aggregated or de-identified information: We may also aggregate or de-identify data and may share that data without restriction.
• With your consent or direction: In addition to the sharing described in this Privacy Policy, we may share information about you with third parties whenever you consent to or direct such sharing.

 

8. REVIEW AND DELETION OF DATA AND YOUR CHOICES
   • You may request your User Information which we hold about you under the Information Technology Act, 2000 as well as under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. If you would like a copy of the information held on you, please write to info@aagey.com.
   • If you believe that any information we are holding on you is incorrect or incomplete, please write to or email the Grievance Officer/Consent Manager as soon as possible. We will promptly correct any information found to be incorrect.
   • You shall have the right to view the information provided by you and also to update the information and keep us informed of any such change in case the information provided is deficient or inaccurate. You may contact the Grievance Officer/Consent Manager for this regard as well.
   • If you wish to have the User Information that you have provided to us deleted, you can always do so by sending a request to our Grievance Officer provided at the bottom of this page. You may note that deletion of certain User Information may lead to cancellation of your registration with the Website and your access to certain features of the Website.
   • You undertake that the User Information provided by you is true and accurate to the best of your knowledge. You agree and understand that we shall not be liable for the authenticity of the User Information provided by you.
   • You can stop receiving promotional email communications from us by clicking on the “unsubscribe link” provided in such communications. We make every effort to promptly process al unsubscribe requests. You may not opt out of Service-related communication (e.g. account verification, transaction re-lated updates, changes/updates to features of the Service and technical and security notices. If you have any questions about reviewing or modifying your account information, you can contact us directly at enquiry@aagey.com.
9. RETENTION OF DATA
   • Upon your request to delete your account, we will deactivate or delete your account and your information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, audit or comply with legal requirements.
   • Until you continue to subscribe to our Services, all UserInformation provided by you will be retained for as long as may be reasonably necessary to satisfy the purpose for which it is processed. Notwithstanding anything contained herein, User Information may be retained for a longer period of time if such retention is explicitly mandated, or necessary to comply with any obligation under applicable law.
   • Nothing set out herein shall apply to the de-identified, aggregated datasets generated by the User Information of Users of the Website or any reports, heat maps or other visualization created using such datasets. Further, when we have no ongoing legitimate business need to process your User Information, we will either delete or de-identify it, or, if this is not possible, then we will securely store your User Information and isolate it from any further processing until deletion is possible.
10. GRIEVANCE OFFICER/CONSENT MANAGER
    • You may send any grievances you may have with respect to this Privacy Policy or usage of your data associated with the User Information or including withdrawal of consent, review or deletion to our Grievance Officer.
    • We hereby appoint Shalini A Shankar as the Grievance Officer as required under the Information Technology Act, 2000 as well as the Information Technology (Intermediaries Guidelines) Rules, 2011. The Grievance Officer may be contacted at: Flat No G-3, Ground Floor, Royal Manor No 70/1 Sampangi Ramaswami Temple Road (Cunningham Road) Bangalore Karnataka 560052 India or by email at: info@aagey.com. She will also act as the Consent Manager to take action with respect to any review/update, deletion or withdrawal of your consent for processing of your information. Such requests shall be responded within 30 (thirty) days from receipt of request.
11. CONTACTING US

If there are any questions regarding this Privacy Policy you may contact us using the information at info@aagey.com or contact our support helpline +91 81051 00005.