PRIVACY POLICY

This Privacy Policy outlines Chand Gold Loan's approach to processing customer data.

At Chand Gold Loan ("Chand Gold Loan"), we understand the significance of your personal data and process the same in a responsible manner. We are guiding you to go through this Privacy Policy attentively.

Who is covered by the Privacy Policy?

This Privacy Policy is applicable to all the existing customers and persons ("User") who visit the website, mobile site, or application ("Digital Platform") belonging to Chand Gold Loan, and who avail or intend to avail the loan products, services and other financial products offered by Chand Gold Loan ("Financial Services"). If you are under 18 years of age, you are not authorized to avail the Financial Services. Any Financial Service offered through the Digital Platform is under the supervision and guidance of our regulatory authorities as applicable.

The reference made to Digital Platform in this policy would mean and include the website, mobile site and application of Chand Gold Loan, and any other platform, as decided below. We encourage User to read this Privacy Policy regarding the collection, use and disclosure of information by User from time to time to keep himself/herself updated with the changes and updates that we make to this policy.

This Privacy Policy explains the type of information of the User that Chand Gold Loan collects, uses, stores, shares, and transfers, and the manner, responsibility of user etc., as decided below. We encourage User to read this Privacy Policy regarding the collection, use and disclosure of information by User from time to time to keep himself/herself updated with the changes and updates that we make to this policy.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

A] Consent of Users:

By using our website, digital platform, affiliates digital platforms or financial products and services from Chand Gold Loan, You consent to:

1. The terms of this Privacy Policy in addition to the terms of use of mobile application, website and products terms and conditions
2. Collection of data in connection with availing loans and/or insurance products etc. facilitated by Chand Gold Loan
3. Collection of data in connection with e-based authentication (Aadhaar eKYC) or authentication through the Unique Identification Authority of India ("UIDAI"), to check/verify/download/upload/update KYC details from/with the central KYC registry (CKYC), collection of data from Digi locker provided by MeitY (Ministry of Electronics and Information Technology) and other relevant sources
4. Communications relating to marketing and business purposes
5. Storage of data as per Company's policy in addition to regulatory and legal requirements
6. Consent for E-Mandate Registration with e-Signature

B] Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

C] Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.

Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

Application means the software program provided by Chand Gold Loan downloaded by You on any electronic device, referred to as "Chand Gold Loan", "We", "Us" or "Our" in this Agreement.

Country refers to: India

Device means any device that can access the Service such as a computer, a cell phone/mobile phone or a digital tablet.

Personal Data is any information that relates to an identified or identifiable individual.

Service refers to the Application.

Service Provider means any natural or legal person who processes the data on behalf of Chand Gold Loan. It refers to third-party companies or individuals employed by Chand Gold Loan to facilitate the Service, to provide the Service on behalf of Chand Gold Loan, to perform services related to the Service or to assist Chand Gold Loan in analyzing how the Service is used.

Third-party social media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.

Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service Infrastructure itself (for example, the duration of a page visit).

You means the individual accessing or using the Service, or Chand Gold Loan, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

D] Collecting and Using Your Personal Data

1] Types of Data Collected Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to: information regarding name, addresses, telephone number, email addresses, income, liabilities, passport number, Aadhaar Card, PAN card number, mobile number, Email id, Photograph/image, bank account details (including details linked to credit/debit payment instruments, information about credit, debit card, DigiLocker, bank statements, and their track record and any personal details shared through a Third-Party Social Media Service on Our platform, usage data, such as the data protection law of India, bill. For brevity's sake, the above type of information collectively referred to as "Information".

2] Data automatically collected through device

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

3] Information Collected While Using the Application on Mobile, Electronic Device:

If User accesses Mobile App, Website, Software and Digital platform of available on Internet, Chand Gold Loan may require certain device permissions to provide the User certain functionalities within Chand Gold Loan application in accordance with prevailing law/regulation. This further allows the User a seamless experience on Chand Gold Loan software/application.

User needs to give permission of device to such application and software of Chand Gold Loan:

We assure you that:

1. User has sole right and discretion to provide or withdraw permissions of access by managing device settings. User can raise a request to erase app data and with specific timeline it will be erased by Chand Gold Loan.
2. Non-financial messages will not be accessed or stored.
3. Your data will be used solely for financial analysis, credit assessments, and fraud prevention purposes.
4. All the data will be stored in an encrypted format and can be deleted based on personal request using support.
5. Your messages will be periodically purged every 28 days.
6. We comply with all relevant data protection regulations to ensure the confidentiality and security of your data as per Government of India rules.
7. We do not store/collect your biometric data, unless allowed under extant statutory guidelines.

E] Use of Your Personal Data

The Company may use Personal Data for the following purposes

Information collected from User may be used by Chand Gold Loan for the following listed " Purpose":

1. To provide the User with the services incidental and/or ancillary to the business of Chand Gold Loan
2. To promote the products/services of Chand Gold Loan
3. For evaluation of the existing Chand Gold Loan products/services and new products/services
4. To render service to User, to receive feedback from User to improve products/services
5. To comply with Applicable Law/regulation, including credit reporting
6. To the extent permitted by the terms of an agreement/applicable law/regulations, share or process User's information in connection with the products/services provided by Chand Gold Loan or with affiliated with other third party products
7. To advertise exclusive offers, promotions, customized search results and location-based service related to financial products or services
8. To automatically populate third-party when you click on advertisements within applicable
9. To provide and maintain our Service, including monitoring the usage of our Service.
10. To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
11. For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
12. To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
13. To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
14. To manage Your requests: To attend and manage Your requests to Us.
15. For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
16. For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

17. With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
18. For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of assets, financing, or acquisition of all or a portion of Our business to another company.
19. With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
20. With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
21. With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party social media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.
22. With Your Consent: We may disclose Your personal information for any other purpose with Your Consent.

F] Security of Your Personal Data

Securing User's information is of paramount importance to Chand Gold Loan and it take initiatives to secure privacy of the User information in following manner:

1. Chand Gold Loan implements various reasonable management, technical and administrative measures to safeguard internal information with sound technical controls to secure the underlying systems.
2. Alongside conducting periodic internal and external audits of systems, Chand Gold Loan adheres to multiple regulatory and statutory obligations. We also comply with information security certification.
3. Chand Gold Loan has in place controls such as data discovery which ensures that personal data of User is tracked across all its assets and security of such data is ensured using data encryption and masking methodologies. Further, we have implemented access controls across all our data assets to ensure that employees have access to limited data and only on need to know basis.
4. Chand Gold Loan has implemented information security tools such DLP and SOC solutions which help prevent the leakage of data a outside its environment and monitor network across servers to ensure threats to User's data are mitigated.
5. Chand Gold Loan has robust IT infrastructure support mechanism that ensures all systems are updated to the latest system and security patches.

In all contractual arrangements, Chand Gold Loan ensures compliance with appropriate standards from third party agencies/service providers with obligations to protect any information and apply appropriate measures regarding its use and transfer. Any acts involving unauthorized usage and sharing of information, breach of security procedures, usage of information of unlawful gain, or breach of confidentiality/privacy clauses are grievous offenses against between the Chand Gold Loan and such third-party service provider.

The security of your Personal Data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure or error-free. While We strive to use commercially acceptable means to protect Your Personal Data, we cannot guarantee its absolute security.

G] Data Storage, Handling, Transfer, Retention and Destruction of Your Personal Data

Information may be retained for an extended period (i) in case of requirements of any investigations under law or as part of any requirement before courts/tribunals/ commission.

Chand Gold Loan ensures that access to User data is sufficiently restricted using access to controls and industry standard encryption algorithms. Further, Chand Gold Loan has in place a robust incident management system along with a practice incident response posture. If retaining Customer information is no longer necessary, we make every effort to securely destroy or delete it as per applicable regulations.

H] Handling by Service Provider

We may employ third party service providers and individuals due to the following purposes:

1. To facilitate Chand Gold Loan products/services
2. To provide the service on behalf of Chand Gold Loan
3. To perform any ancillary service related to products/service of Chand Gold Loan
4. To assist Chand Gold Loan in analysing how the services are used
5. To assist Chand Gold Loan in evaluating and improvising the services standards

User is hereby informed that the third-party service providers/agents/ approvers will have access to Your Information on a need-to-know basis to assist Chand Gold Loan in rendering service and are restricted from using the same for any other reason rather than specified during data collection. The third-party service provider is obligated not to disclose or use the information for any other purpose than mentioned in the service agreement executed between Chand Gold Loan and such Service provider.

I] Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located.

In any case, the data is stored only in servers located within India. Further, in case the data is processed outside India, the same shall be bilateral servers outside India and brought back to India within 24 hours of processing.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

H] Responsibility of User:

User Acknowledges following:

1. Chand Gold Loan and its employees/designees will not contact the User directly or indirectly to disclose of any personal information unless required for the abovementioned purposes. Hence, User is solely responsible to exercise proper due diligence to verify the identity of the individual(s) contacting before disclosing any personal data/information by reaching out to the Chand Gold Loan official customer care number accessible on Chand Gold Loan's website before making any disclosure.
2. Chand Gold Loan shall not be liable/responsible for any breach of privacy owing to User's negligence.
3. User shall only use the official websites/links/ apps of Chand Gold Loan for availing product/services by inputting the domain information on the address bar of the browser. Chand Gold Loan shall not be responsible/liable for any breach of privacy or similar claim against any third-party websites/apps used by the User.
4. User is completely aware about the potential risk of data/privacy breach and User will be solely responsible for unauthorized disclosure/breach of personal data and direct or indirect loss suffered by User due to Users conduct. Hence, User shall exercise utmost caution to ensure that the information (data including but not limited to any passwords, financial information, account details etc) are not shared/stored/ made accessible through any physical means with or without User's knowledge/disclosure by any person directly or indirectly using electronic means by exercising the following precautions/safety measures:
   1. User shall always check if "https" appears in any websites' address bar before making any online transaction to ensure that the webpage is encrypted.
   2. User shall avoid using third-party extensions, plug-ins or add-ons on the web browser, as it may result in the risk of tracking or stealing of user's personal details.
   3. User shall always type the information and not use the auto-fill option on web-browser.
   4. User shall not use darknet, as authorized/suspicious/malicious website suspicious online platform, downloading information from unreliable sources.
   5. User shall not respond to any generic emails from an unknown/unidentified source.
   6. User shall disable cookies before accessing any domain/website to ensure that User's personal information is not tracked by any third party, unless otherwise cautioned/permitted by the User by accepting the same, for which User alone shall be responsible for the consequences thereof.
   7. User shall check privacy policy of the Website/Application before accepting/ proceeding/transaction on any website/application/software.
   8. User shall always verify and install authentic web. Mobile application from reliable sources on user's computer /laptop/tablet/iPad/smart phone or any other electronic device.
   9. User shall not access any unidentified weblinks or any other electronic links shared over electronic platform (such as email, sms, social media, websites, apps etc).
5. Chand Gold Loan Service may contain links to other websites that are not operated by Us. If You click on a third-party link, you will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

J] Disclosure of Your Personal Data

Business Transactions

If the Chand Gold Loan is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred.

Law Enforcement

Under certain circumstances, Chand Gold Loan may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities / Statutory obligations(e.g., a court or a government agency).

Other Legal Requirements

Chand Gold Loan may disclose Your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal / Statutory obligation
• Protect and defend the rights or property of the Chand Gold Loan
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

• By visiting this page on our website: https://www.chandgoldloan.in/contact.php
• By email: care@chandgoldloan.in