Privacy Policy

Avanse Financial Services Limited ("AFSL") is sensitive to user privacy on its website, mobile application ("Platform") and also on the internet. Therefore, it is important for us to maintain your information and your right to know how the information we receive from you on the Platform is treated. AFSL respects your privacy and identifies it as utmost important to protect any personally identifiable information i.e., any information by which you can be identified, such as name, address, telephone number etc. ("Personal Information") you share with us. We would like to assure you that we follow appropriate steps when it comes to protecting your privacy on our Platform.

1. Collection and Processing of Personal Information
   You can visit our website www.avanse.com on the world wide web without declaring who you are or disclosing any information about yourself. Our web servers will collect your domain name on such visit. We use this information to assemble aggregate information about the visitors to our Platform and assist with our system. As part of the normal operation of the Platform, we collect and, in some cases, may disclose Personal Information about you. This Privacy Policy describes the Personal Information we collect about you and how we process that information. We hereby confirm that our services in respect of which such information may be collected, are not specifically targeted to any region outside India.
   By accepting this Privacy Policy and our Terms of Use, you expressly consent to our use and disclosure of your Personal Information in the manner prescribed in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the Terms of Use and governs all use of the Platform.
   We may collect your name, address, email address, telephone number, and other Personal Information you submit on the Platform. Such Personal Information will not be posted in areas of the Platform viewable by the public or other users of the Platform.
   You shall be competent to contract, shall have attained majority or represented by guardian for providing any information to us and/or for using the Platform.
2. Our Use of Your Personal Information
   Our primary goal in collecting Personal Information is to provide you with a smooth, efficient and customized experience. This allows us to provide services and features that are most likely to meet your needs, and to customize the Platform and our services to make your experience easier. We use Personal Information in the files we maintain about you, and the other Personal Information we obtain from your current and past activities on the Platform to provide you with services.
3. Our Disclosure of Your Personal Information
   Due to the existing regulatory environment, we cannot ensure that all of your private communications and other Personal Information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting the foregoing), we may be required to disclose Personal Information to the government, law enforcement agencies, or third parties under certain circumstances; third parties may unlawfully intercept or access transmissions or private communications; or users or authorized users may independently abuse or misuse your information that they collect from the Platform in violation of our Platform?s Privacy Policy and Terms of Use. Therefore, although we use industry standard information security practices to protect your privacy, we do not promise, and you should not expect, that your Personal Information or private communications will always remain private. As a matter of policy, we do not sell or rent any Personal Information about you to any third party. However, your Personal Information may be disclosed in the manner set out below:
   1. Administrators- We shall provide authorized administrative(s) access to your Personal Information for internal business purposes, provided that such authorized administrative(s) shall be under confidentiality obligations towards us.
   2. Affiliates- We may provide Personal Information to our affiliates. For example, we may disclose Personal Information to our affiliates in order to respond to your requests for information or services, or to help limit receipt of marketing materials that you have requested not to receive.
   3. Business Partners- We may use certain trusted third-party companies and individuals to help provide, analyse, and improve our services including but not limited to data storage, maintenance services, database management services, credit bureau services, services of rating agencies, web analytics, payment processing, and any other service for the improvement of the Platform?s features. These third parties may have access to your Personal Information only for purposes of performing these tasks on our behalf and under confidentiality and data protection obligations similar to ours. We may disclose your Personal Information to partners who perform business functions or hosting services on our behalf and may be located outside of India.
   4. Service Providers- We may share your Personal Information to third party service providers, who are working with us in connection with the operation of our services or the Platform, so long as such service providers are subject to confidentiality restrictions consistent with the restrictions placed on us.
   5. Joint Marketing Arrangements- Where permitted by law, we may share your Personal Information with joint marketers with whom we have a marketing arrangement. We will require all such joint marketers to have written contracts with us that specify appropriate use of your Personal Information, require the joint marketers to safeguard such Personal Information, and prohibit the joint marketers from making unauthorized or unlawfol use of your Personal Information. You hereby acknowledge and consent to such use and sharing of data.
   6. Assignee/Acquirer of our Business- In the event of a sell down or transfer of our business or assets, certain Personal Information may be transferred to the person/entity acquiring the business/asset. We will ensure that prior notice is provided to you before any such sell down.
   7. Legal and Regulatory Authorities- We may be required to disclose Personal Information due to legal or regulatory requirements. In such instances, we reserve the right to disclose Personal Information as required in order to comply with any legal obligations, including but not limited to complying with court orders, warrants, or discovery requests. We may also disclose Personal Information to (a) any law enforcement officers or other authorized officials having jurisdiction over the Platform; (b) credit information companies; (c) comply with a judicial proceeding, court order, or legal process served on us or the Platform; (d) enforce or apply this Privacy Policy or any other policies or agreements executed by you with us; (e) respond to claims that any Personal Information violates the rights of third-parties; (f) protect our rights, property, or personal safety, or that of the general public. You agree and acknowledge that we may not notify you prior to or after any disclosure made in accordance with this section.
4. Changing Your Personal Information
   We will, however, retain in our files and databases Personal Information that you have requested to remove in order to use it in some circumstances, such as to resolve disputes, troubleshoot problems, and enforce our terms and conditions. Therefore, due to regulatory/legal requirement you should not expect that all of your Personal Information will be completely removed from our databases in response to your requests.
5. Security
   AFSL may use reasonable security measures to safeguard the confidentiality of your Personal Information, such as firewalls, secure socket layers, and other physical and electronic security measures. However, you agree and acknowledge that "perfect security" does not exist on the Internet.
6. Contacting us
   AFSL aims to keep our information about you as accurate as possible. If you would like to review or change the details you have supplied us with, please contact us as set out below. If you wish to change or delete any of the Personal Information you have entered whilst visiting our Platform or if you have any questions about our privacy statement you can email us at wecare@avanse.com.