We, CapFront Technologies Private Limited, with our registered office at 150 Old Airport Road, Diamond District, Tower A, First Floor, Kodihalli, Domlur, Bengaluru, Karnataka 560008, India (hereinafter shall be referred to as "Capfront" or "Us" or "We" or “Our”) are the owner and operator of the Platform.
THIS POLICY DESCRIBES OUR POLICIES AND PROCEDURES FOR COLLECTION, USE, STORAGE, PROCESSING, DISCLOSURE AND PROTECTION OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, BUSINESS OR PERSONAL INFORMATION PROVIDED BY YOU AS A USER (“YOU/R”) WHILE USING THE PLATFORM.
USER SHALL MEAN ANY PERSON/ PERSONS, WHO VISITS, USES, DEALS WITH AND/ OR TRANSACTS THROUGH THE WEBSITE / APP OR AVAILS OUR SERVICES AND INCLUDES A BROWSER.
BY VISITNG/ ACCESSING THE PLATFORM, THROUGH THE WEBSITE OR THE APP AND VOLUNTARILY PROVIDING US WITH INFORMATION (PERSONAL AND / OR NON- PERSONAL), YOU ARE CONSENTING TO OUR USE OF IT IN ACCORDANCE WITH THIS POLICY.
THIS POLICY DOES NOT APPLY TO THIRD-PARTY WEBSITES/ APPLICATIONS THAT ARE CONNECTED VIA LINKS TO THE PLATFORM. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT PROCEED FURTHER TO USE / ACCESS THIS PLATFORM.
THIS POLICY IS A PART OF THE PLATFORM TERMS & CONDITIONS LOCATED AT https://www.loanfront.in/terms-conditions.html AND ALL CAPITALIZED TERMS UNDER THIS POLICY THAT HAVE NOT BEEN SPECIFICALLY DEFINED HEREIN SHALL HAVE THE MEANING AS ASCRIBED TO IT UNDER THE PLATFORM TERMS & CONDITIONS.
WE MAY UPDATE THIS POLICY FROM TIME TO TIME. WHILE WE WILL ALWAYS ENDEVOUR TO NOTIFY YOU, YOU MUST PERIODICALLY REVIEW THE POLICY FOR THE LATEST INFORMATION ON OUR PRIVACY PRACTICES.
COLLECTION OF INFORMATION
You may scroll through our Website and generally view the contents of the Website without providing us any personal information. In such a case, We will place a Cookie on Your computer that will help us identity You should You decide to visit us again.
During Your use of the Platform, whether the App or the Website, We will collect certain NON-PERSONAL AND PERSONAL information from You.
We will collect your personal information when you:
Your name, address, date of birth, contact information, billing information, marital status, PAN number, name of the bank where You have a primary account, bank statements, pay slips, information relating to income and expenses obtained through bank SMS scraping and through integration with our service provider, etc.
Note: SMS permission/scrapping has been discontinued since the App Version 1.5.4, which was released on Sep 19, 2019.
When you register with us, we collect your mobile number and email address and validate the some via OTP to uniquely authenticate and identify you and your loan applicotion, This helps us to ensure that no unauthorised device or person is acting on your behalf.
Our App collects your public profile data depending on the social media or networking platform used, like Facebook/Linkedln to login to our App, The information collected from your social media networking account shall be clearly displayed to you at the time you log-in to our App with your consent.
Our app collects and monitors information about your device including your hardware model, operating system information, unique device identifiers like IMEI and serial numbers, Wi-Fi information, user profile information ond mobile network information to offer you customized services and also to uniquely identify the devices to ensure that unauthorized devices are not able to act on your behalf and to mitigate the fraud.
Our App collects metadata information which includes the application name, package name, installed time, updated time, version name and version code of each installed application on your device to perform credit risk assessment and mitigate organised frauds.
Our App collects and monitors your device contacts information to detect valid references and to autofill the data during your loan application process.
Note: Contact permissions has been discontinued since the App Version 2.4.0.
Our App collects and monitors the information about the location of your device to provide timely notifications about avoilability of services in your location, to reduce risk associated with your loan application and expedite current address and KYC validation process.
Our App requires camera access to easily scan and capture your profile photograph, KYC and income related documents and provide better user experience by auto-filling the relevant document data.
Our App requires storage permission so that your KYC and other loan application related scanned documents can be securely downloaded and saved on to your phone, You then can easily upload the right KYC related documents for quick submission of loan application, enhancing the user experience.
We store and process Your personal information on secure AWS cloud servers and other cloud service providers within India. Some of the safeguards We use are firewalls and encryption using SSL, and information access authorization controls. We use reasonable safeguards to preserve the integrity and security of Your information against loss, theft, unauthorized access, disclosure, reproduction, use or amendment. To achieve the same, We use reasonable security practices and procedures as mandated under applicable laws for the protection of Your information. Information You provide to Us may be stored on Our secure servers located within or outside India.
However, You understand and accept that there’s no guarantee that data transmission over the Internet will be completely secure and that any information that You transmit to Us is at Your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorized third party access to our Platform and data bases or other acts of third parties, or acts or omissions beyond Our reasonable control and You shall not be entitled to hold Capfront responsible for any breach of security.
With this Policy We’re only addressing the disclosure and use of data collected by Us. If You visit any websites through the links on the Capfront Platform, please ensure You go through the privacy policies of each of those websites. Their data collection practices and their policies might be different from this Policy and Capfront does not have control over any of their policies neither does it have any liability in this regard.
"Phishing" usually occurs when users of a website are induced by an individual/entity into divulging sensitive personal data by using fraudulent websites and/ or e-mail addresses. In the event You provide information to a website or respond to an e-mail which does not belong to Us or is not connected with Us in any manner, You will be a victim to Phishing. We do not send e-mails requesting a user for payment information, user name or passwords. However, We may verify the user name, password etc. provided by You from time to time.
We have taken 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. This Policy does not apply to any information other than the information collected by Capfront through the Platform. This Policy shall be inapplicable to any unsolicited information You provide Us through the Platform or through any other means. This includes, but is not limited to, information posted in any public areas of the Website / App. All unsolicited information shall be deemed to be non-confidential and the Company shall be free to use and/ or disclose such unsolicited information without any limitations.
The rights and remedies of 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.
If You have grievance with respect to use of Your personal information, please write to Mr. Ashok K. at firstname.lastname@example.org
The Company is a company based in India. By browsing/using the Platform, You hereby acknowledge that the Company is not responsible or liable in any manner to comply with any local laws of Your territory except India.