This Privacy Policy (“Privacy Policy”/“Policy”) is published in accordance with Rule 4(1) ofthe Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. KUHOO FINANCE PRIVATE LIMITED (hereinafter referred to as “Kuhoo” or “Company” or “Us” or “We” or “Our”), a Non-Banking Financial Company (NBFC), is the owner of the mobile application “Kuhoo” (“App”), websiteat www.kuhoo.com (“Website”), and online forms (collectively referred to as the “Platform”).
By accessing the Platform and/or availing the Services offered by us, the User (“User” or“You” or “Your”) agrees to be bound by the terms of this Privacy Policy.
If You do not accept this Privacy Policy or any part thereof, please do notuse/access/download or install the Platform. The User acknowledges, agrees, and consentsto the collection, use, processing, disclosure, transfer, and storage of their information (including personal data) in accordance with this Privacy Policy and as required for Kuhoo’s NBFC operations.
When the User visits Our Platform or avails the Services, We collect and store the information which the User provides from time to time by explicitly seeking permissions fromthe User in order to provide efficient, smooth, customised experience and service. This allows Us to provide Services with features that meet the requirements of the User. We collect below mentioned individually identifiable information that would allow Us to determine the actual identity of the User:
By providing the above-mentioned information to Us, the User consents to the collection, useand disclosure of personal and sensitive personal data, as permitted by the applicable law.
As a part of Our Video Know Your Customer (Video KYC) process, the collection of User’spersonal information has become mandatory to ensure the completion and authentication of User’s KYC. In this regard, permissions to access the User’s microphone and camera shallbe required. The User hereby gives explicit consent to share his/her personal information with Us and with the third parties who help us in providing Services seamlessly.
We automatically track certain information about the User based on their browsing history on Our Platform. We use this information to do internal research on Our Users’ demographics, interests, and behaviour to better understand, protect and serve Our Users and improve our Services. This information is compiled and analysed on an aggregated basis and notindividually. We also collect User’s Internet Protocol (IP) address and the URL used by theUser to connect the User’s computer to the internet, etc. This information may include the URL which the User visited before visiting the Platform (whether this URL is on Our Platformor not), which URL the User visits after visiting the Platform (whether this URL is on ourwebsite or not), User’s computer browser information, and User’s IP address.
We use cookies on Our Platform for enhancing the Services provided; cookies are smalldata files that a website stores on the User’s computer. The use of this information helps Usidentify the returning User in order to make Our Platform more user friendly. Most browsers will permit the User to decline the cookies, but if the User chooses to do this, it might affect the service on some parts of Our Platform.
We collect the personal information of the User to efficiently provide the Services, to observe and improve the quality of Services, to analyse how the Platform is used and diagnose technical problems, to verify the User’s identity and credentials in order to determine the eligibility, to facilitate the User’s KYC, to use the Platform and avail the Services, to enable Us to comply with Our legal and regulatory obligations, to enforce Our Terms of Use, and toinform the User about Our offers, products, services, and updates.
By contacting Us and by providing Your phone number, contact details or any other details,You give us the unequivocal right to:
We understand that Your contact details are important to You and We shall bind the service providers/agents/affiliates having access to Your information with the same level of protection as required under the applicable laws.
We may share Your information with third parties, to provide better Services to You. However, We are not responsible for any breach of security or for any actions of any third parties that receive Your personal information. Please note that by agreeing with the termsas laid out in this Privacy Policy, You also provide Your consent to:
We store and process Your personal information on third party cloud servers and other cloud service providers. We use reasonable safeguards to preserve the integrity and ensure thesecurity of Your information provided to Us against loss, theft, unauthorised access, disclosure, reproduction, use or amendment. We use reasonable security practices and procedures as mandated under the applicable laws for the protection of Your information. Information You provide to Us may be stored on Our secure servers located within or outsideIndia.
However, You understand and accept that there is no guarantee that data transmission overthe 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 intransmission, unauthorised third-party access to our Website and databases or other acts of third parties, or acts or omissions beyond our reasonable control. You shall not be entitled to hold Kuhoo responsible for any such breach of security.
You may request the deletion of any data from our Platform at any time by submitting a formal written request to our Grievance Officer. Such requests must clearly specify the information to be deleted and provide the reasons for the deletion request.
Notwithstanding anything to the contrary stated herein, please note the following specific scenarios where your deletion request may not be accepted:
Subject to the provisions of this section, we will make reasonable efforts to delete your dataupon receiving your written request. However, it is important to understand that following the deletion of your data, you may no longer be able to use our services, as the necessary information required to provide these services will no longer be available.
We shall not be liable for any consequences arising from the deletion of your data, including but not limited to the inability to access or use our services. Your deletion request will be processed in accordance with our internal policies and applicable laws.
Our Platform links the User to other websites that may collect information about the User. We are not responsible for the privacy practices or the content of those linked websites. With this Privacy Policy, we are only addressing the disclosure and use of personal data collectedby Us. If the User visits any such third-party websites/links, their data collection practices, and their policies might be different from this Privacy Policy. Please check these policies and the terms of the platforms or services before You submit any information to these platforms/services or otherwise use these platforms/services. We do not have control over any of their privacy policies and we shall not have any liability in this regard.
By using the Platform, availing the Services and/or by providing the personal information, the User consents to the collection, sharing, disclosure and usage of the information in accordance with this Privacy Policy.
We reserve the right to change, modify, add, or remove portions of this Privacy Policy at any time for any reason. In case, any changes are made in the Privacy Policy, we shall update the same on the Platform. Once posted, those changes are effective immediately, unless stated otherwise. We encourage You to periodically review this page for the latest information on our privacy practices. Continued access or use of the Services constitute Your acceptance of the changes and the amended Privacy Policy.
In case of any complaints pertaining to the terms and conditions of this Privacy Policy, You may contact the designated Grievance Redressal Officer who shall address the same withina reasonable period of time. In accordance with the Information Technology Act, 2000 and the Rules made thereunder, the name and contact details of the Grievance Officer are provided below:
Name - Nilesh Abhang
Email – feedback@kuhoo.com
The policy shall always be updated with extant regulatory provisions. However, in case of conflict between the Policy and regulations, the regulatory provisions shall always supersede the policy.
The updated policy shall be always adhered to and exceptions if any to the policy shall be approved by the board of directors after recording a reason in writing.
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