Please read our privacy policy carefully to get a clear understanding of how we collect, upload, disclose, store, use, protector otherwise handle your Personally Identifiable Information in accordance with our website.
STARTPOINT FOR CALL CENTER (the "Startpoint", "Company", "We", "Us" or "Our"), is committed to protect the privacy and security of all personal and/or sensitive information(the "Personal Data") related to its employees customers, business partners, suppliers, contractors and other parties that the Company will and is engaged into. For this reason, uniform practice and procedure for collecting, recording, consolidating updating, disclosing, storing, accessing, transferring retaining, destructing and disposing of Personal Data by the Company are hereby adopted order to process Personal Data fairly, appropriately, and lawfully.
When you use our Platform, whether our Website or our App, we collect, upload and store your information(personal information) which is provided by you from time to time by explicitly seeking permissions from YOU to get the required information. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience and services.This allows us to provide services and features that meets your needs, and to customize our Platform to make your experience safer and easier and to improve the services provided by us. More importantly, we collect persona information from you that we consider necessary for achieving the aforementioned purpose. In general, you can browse the Website or App without telling us who you are or revealing any personal information about yourself. However, to create an account on the Website or App, you must provide us with certain basic information required to provide customized services. The information we collect from you, inter alia, including:
Other information: We may collect some of your other Personal Information only after obtaining your additional explicit consent. For example, your transactional SMS information stored on your Device maybe collected to analyze your ability to repay; the phone numbers you add to your contacts application maybe collected for risk control purposes; and your location information(IP address, longitude and latitude information) maybe collected for ant-fraud purposes.
Where possible, we indicate the mandatory and the optional fields.You always have the option to not provide your personal information by choosing not to use a particular service or feature on the Platform. We also collect other identifiable information(your payment card details and transaction histories on the Platform) from you when you setup a free account with us. While you can browse some sections of our Platform without being a registered member as mentioned above, certain activities(such as availing of loans from the third-party lenders on the Platform) requires registration and for you to provide the above details. The Platform shall clearly display the persona information it is collecting from you, and you have the option to not provide such personal information.
However, this will limit the services provided to you on the Platform.
We collect, upload, store and monitor the information about the location of your device to provide serviceability of your loan application, to reduce risk associated with your loan application and to provide pre-approved customised loan offers. This also helps us to verify the address, make a better credit risk decision.
We will upload and transmit your contact list data including name and phone number from your phone to our server. This information will be used to conduct anti-fraud checks. We will never share data to the third party without your permission. The collection will only be done if you agree to the authorization.
Modified, favourites and other optional data like relationship and structural address to enable you to autofill the data during the loan application process. Furthermore, contact information permission from your device for the purposes of risk analysis by enabling us to detect credible references assess your risk profile.The more credible the references are, the lower is the risk associated to a User.
When you sign up with us, we collect, upload and store your mobile number and email address to uniquely identify you.This helps us ensure that no una uthorised device or person is acting on your behalf.
We require the storage information permission that allows the App to enable you to upload photos and/or documents to complete the application form during your loan application journey.
We require the camera information permission to provide you an easy/smooth experience and to enable you to click photos of your KYC documents along with other requisite documents and upload the same on the App during your loan application journey.
We automatically track certain information about you based upon your behavior on our Platform. We use this information to do internal research on our users demographics, interests, and behavior to better understand, protect and serve our users and improve our services. This information is compiled and analyzed on an aggregated basis.We also collect your Internet Protocol(IP) address and the URL used by you to connect your computer to the internet, etc. This information may include the URL that you just came from(whether this URL is on our Website or not) , which URL you next go to(whether this URL is on our Website or not) , your computer browser information, and your IP address.
Cookies are small data files that a Website stores on Your computer.We will use cookies on our Website similar to other lending websites/apps and online marketplace websites/apps. Use of this information helps Us identify You in order to make our Website more user friendly. Most browsers will permit You to decline cookies but if You choose to do this it might affect service on some parts of Our Website.
If you choose to make a purchase through the Website, we collect information about your buying behavior.
We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.
If you send us personal correspondence, such as emails or letters, or if other users or third parties send correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we collect such information into a file specific to you.
The information the App collects, and how that information is used, depends on how you manage your privacy controls on your device.
When you install the App, we collect, upload and store the information with unique identifiers tied to the device you're using.
We collect, upload and store information from the device when you download and install the App and explicitly seek permissions from YOU to get the required information from the device.
The information we collect from your device includes the unique ID i.e. IMEI number, information on operating system, SDK version and mobile network information including carrier name, SIM Serial and SIM Slot, your profile information, list of installed apps, WIFI information.
We collect information about your device to provide automatic updates and additional security so that your account is not used in other people's devices. In addition, the information provides us valuable feedback on your identity as a device holder as well as your device behavior, thereby allowing us to improve our services and provide an enhanced customized user experience to you.
We access, upload, store and use the information we collect from you to provide our Services, to research and develop new ones.
We use personal information to provide the services you request, to customize your user experience and to improve our services. To the extent we intent to use your personal information to market any product to you, we will provide you the ability to opt-out of such uses.
In our efforts to continually improve our product and service offerings, we collect and analyze demographic and profile data about our users' activity on our Website.
We use the information provided by You in the following ways:
We will use and retain Your information for such periods as necessary to provide You the Services on our Website, to comply with our legal obligations, to resolve disputes, and enforce our agreements.
Our application has a link to a registered third party SDK which collects data on our behalf and data is stored to a secured server to perform a credit risk assessment. We ensure that our third party service provider takes extensive security measures in order to protect your personal information against loss, misuse or alteration of the data.
Our third-party service provider employs separation of environments and segregation of duties and have strict role-based access control on a documented, authorized, need-to-use basis. The stored data is protected and stored by application-level encryption. They enforce key management services to limit access to data.
Furthermore, our registered third party service provider provides hosting security - they use industry-leading anti-virus, anti-malware, intrusion prevention systems, intrusion detection systems, file integrity monitoring, and application control solutions.
CePinjam reserves 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 Website. 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.
At any point of time Users can choose to edit/modify or delete/withdraw any Personal Information shared for use of the Platform. Please note that deleting or withdrawing information may affect the Services we provide to you. In case of modification of Personal Information, Users will be required to furnish supporting documents relating to change in Personal Information for the purpose of verification by the Company.
You have certain choices regarding the information we collect and how it is used:
Device-level settings:Your device may have controls that determine what information we collect. For example, you can modify permissions on your Android device for access to Camera or Audio permissions.
Delete your entire App account.
You can also request to remove content from our servers based on applicable law or by writing to our Grievance Officer.
The Website/App intends to protect your personal information and to maintain its accuracy as confirmed by you. We implement reasonable physical, administrative and technical safeguards to help us protect your personal information from unauthorized access, use and disclosure. For example, we encrypt all sensitive personal information when we transmit such information over the internet. We also require that our registered third party service providers protect such information from unauthorized access, use and disclosure.
We blend security at multiple steps within our products with the state of the art technology to ensure our systems maintain strong security measures and the overall data and privacy security design allow us to defend our systems ranging from low hanging issue up to sophisticated attacks.
We work hard to protect from unauthorized access, alteration, disclosure or destruction of information we hold, including: We use encryption to keep your data private while in transit; We offer security feature like an OTP verification to help you protect your account; We review our information collection, storage, and processing practices, including physical securit y measures, to prevent unauthorized access to our systems; We restrict access to personal information to our employees, contractors, and agents who need that information in order to process it. Anyone with this access is subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations; Compliance & Cooperation with Regulations and applicable laws; We regularly review this Privacy Policy and make sure that we process your information in ways that comply with it.
Our Website links to other websites that may collect personally identifiable information about you. We are not responsible for the privacy practices or the content of those linked websites. 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 Website, 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 We do not have control over any of their policies neither do we have any liability in this regard.
By using the Website/App and/ or by providing your information, you consent to the collection and use of the information you disclose on the Website in accordance with this Privacy Policy, including but not limited to Your consent for collecting, using, sharing and disclosing your information as per this privacy policy.
If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.
Permission to Contact
By giving us your home and/or mobile phone number
We have your permission to contact you or the contact number you authorized us.This also allow us use text messaging, artificial or prerecorded voice messages and automatic dialing technology, for all purposes not prohibited by applicable and data rates may apply. You may contact us anytime to change these preferences.We may also send an email to any address where we reasonably believe we can contact you(include the reference you authorized) .Some of the purposes for calls and messages include：suspected fraud Or identity theft; obtaining information;transactions on or servicing of your account; and collecting on your account or collecting delinquent account.Our rights under this Section extend to our affiliates, subsidiaries, parents, agents, vendors, and anyone so affiliated with the owner of any note evidencing a loan you obtain.
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