Privacy Policy

Fag-Finance Private Limited has a Privacy Policy in place that governs the collection, use, and disclosure of personal data and other information collected through its platform. It is important for users of the platform to review the Privacy Policy carefully to understand how their personal data is being handled and what rights they have in relation to their data. The Privacy Policy also appears to exclude third-party sites and services, which may have their own policies that users should be aware of when accessing those sites or services.

I can advise users of the platform to carefully review the Privacy Policy before using or registering on the platform or accessing any services. The Privacy Policy is an important legal document that outlines how personal data and other information is collected, used, and disclosed by the company, as well as any rights or options that users may have in relation to their data. Users should pay special attention to any sections or clauses that relate to the specific services they are interested in using, such as instant loan, fixed deposits, personal loans, and related services. It is always a good idea to be informed about the privacy practices of any online service before using it.

The Privacy Policy is considered a part of the terms of use for the platform, and should be read together with the terms to fully understand the conditions and requirements of using the platform and any related services. It is important for users to carefully review the terms and conditions of both the Privacy Policy and the Terms before using the platform to ensure they understand their rights and obligations with respect to their personal data and any services offered.

We wish to mention that in case of non-compliance with the privacy policy pertaining to access or usage of the computer resource, We shall have the right to terminate Your access or Your usage rights to the computer resource immediately or remove non-compliant information or both, as the case may be.

1. Information We Collect

We collect Personal Information ("Personal Information") when you register or set up an account on our platform. While certain sections of the platform can be accessed without registration, availing specific services requires you to provide the following:

• • Name, Email address, Phone number, Mailing address, Nominee details
• • Residential and Correspondence addresses, Date of Birth
• • Financial information including bank account or credit card details
• • Identity documents such as Aadhaar, PAN, Passport, Voter ID, Driving License
• • Education details and other relevant supporting documents
• • Additional financial info like billing address, income, expenses, credit history, transaction history, balances, and standing instructions
• • Any additional information voluntarily provided, without coercion, at the company's request
• • Personal information retrieved by our intermediaries from third-party sources (like KYC agencies), which may include: Name, KYC status, Date of Birth, PAN, Father's Name, Occupation, Addresses, and supporting documents
• • If you invest through the platform, we collect data on your investment transactions and behavior
• • When using the platform on mobile, we may collect location data, IP address, and device identifier (with your consent)

All this information is stored securely on servers located in India to provide a safe, efficient, and customized experience. We may also collect:

• • Non-personal data like IP address, browser type, operating system, device details, URLs accessed, and cookie data
• • Web behavior such as pages visited, session time, user trends, and promotional interaction
• • Session cookies to store your preferences during your browsing session (these are deleted when you log out or close your browser)

We use cookies to help you log in less frequently and personalize your experience. These may be tied to Personal Data previously submitted. Users can opt to disable cookies via browser settings, though this may limit some features of the platform.

We automatically track user behavior to analyze demographics and usage trends, which helps us improve our services. This data is aggregated and does not specifically identify individuals.

If you post messages on forums, chats, or boards, we may collect and store such content, including your name, IP address, and contact details. We may use this data to resolve disputes, respond to inquiries, and troubleshoot platform issues.

We also retain any correspondence (emails, letters, support messages) for as long as necessary to fulfill the purposes outlined in this Privacy Policy. All data is handled per our legal obligations and platform policies.

3. Sharing of Information

Fag-Finance Private Limited (“ Fag-Finance”) may share your information to enable providing You Services through the Platform. All information shared with group companies, affiliates, and subsidiary companies will be governed by this Privacy Policy.

In addition to collecting Personal Information, the company may also collect:

• • Aadhaar number
• • Fingerprint details
• • Signature for the purpose of completing account opening procedures and authenticating transactions

These identifiers are collected to ensure the security and authenticity of your transactions. The act of providing your Aadhaar is voluntary, and Fag-Finance will collect, use, and store such details in compliance with applicable laws and this Privacy Policy.

We may also disclose your Personal Information to third-party vendors, consultants, and service providers who are bound by contractual obligations to keep such information confidential and use it only for the purpose we disclose it for. This includes:

• • Facilitating payments
• • Conducting marketing activities
• • Analyzing data
• • Preventing fraudulent or illegal activities

We will not share your Personal Information with third parties for their marketing or advertising purposes without your explicit consent. The Company may also disclose your information:

• • To comply with laws and respond to lawful requests or legal processes
• • To protect the rights, property, and safety of the Company, its users, or others
• • In emergencies, to safeguard the personal safety and assets of the Company or any individual

In such cases, the Company is not responsible for informing you or obtaining your consent. We and our group companies, affiliates, and subsidiaries (to the extent information is collected by them) may also share, transfer, or assign all of your Personal Information and other data in the event of:

• • A merger or acquisition
• • Sale or reorganization of business
• • Amalgamation or joint venture
• • Assignment or restructuring of business operations
• • Any transfer or disposition of part or whole of our business

4. Connecting Your Email Account

You may provide explicit consent to connect/integrate your email account(s) with your account on the Platform by clicking the authentication link sent by the Company to your registered email. This connection helps consolidate your investment history from sources like CAMS or Karvy's CAS.

With your consent, the platform securely accesses and analyzes emails and attachments to retrieve investment data. The purpose is to provide a unified view of your portfolio, including investments made outside the platform.

The Company agrees to:

• • Use such data solely to provide and improve Platform services
• • Not use the data for serving ads, including personalized or retargeted ads
• • Ensure employees, agents, and partners comply with applicable laws
• • Protect user privacy and avoid data misuse

You may review the information before consenting to this integration. At any time, you may choose to de-link your email account using Platform settings or external settings such as Google’s: myaccount.google.com/permissions.

Prohibited Content

You shall not host, display, upload, modify, publish, transmit, store, update or share any information that:

• • Belongs to someone else without authorization
• • Is obscene, pornographic, paedophilic, or invasive of privacy
• • Harasses based on gender, or incites violence or hatred
• • Infringes intellectual property rights
• • Spreads false or misleading information
• • Impersonates another person
• • Threatens India’s unity, integrity, sovereignty, or security
• • Contains malware or viruses intended to disrupt systems
• • Violates any applicable law

Fag-Finance's use of API-based data will adhere to the API Services User Data Policy, including Limited Use requirements.

Third-Party Sites and Advertisements

Our Platform may link to third-party sites ("Third-Party Sites") that collect your Personal Information such as IP address, browser, or OS details. The Company is not responsible for the security, privacy practices, or content of these sites.

Some pages may use cookies from third-party providers. We do not control the use of such cookies. These third-party providers may have their own privacy policies regarding data collection and storage.

This Privacy Policy does not apply to any data you provide or is collected by these Third-Party Sites. We recommend reviewing their privacy policies before use. Third-party advertising companies may serve ads during your visit to our Platform using non-personally identifiable information.

You agree and acknowledge that the Company is not liable for information shown in search results or published by any Third-Party Site.

5. Security Precautions and Measures

Our Platform has implemented reasonable security safeguards to protect your privacy and Personal Information from loss, misuse, unauthorized access, disclosure, destruction, or alteration, in compliance with applicable laws. Whenever you access your account or related information, we use a secure server for enhanced protection.

While the Company makes every effort to secure user data, it cannot guarantee complete security of personal or non-personal information. Despite taking appropriate technical and administrative steps, there remains a risk of security breaches such as unauthorized access or hacking.

As a user, you are responsible for:

• • Taking physical, managerial, and technical safeguards to secure your own data
• • Using strong and confidential login credentials
• • Avoiding the sharing of passwords, OTPs, or sensitive login information with others

During payment transactions, your data is protected with encryption technology. The Company may share relevant data with authorized third-party service providers strictly for the purposes of payment processing, subject to these providers having adequate security practices in place.

Please be aware that even with best practices, no system can offer absolute protection. Risks may arise due to:

• • Hacking or unauthorized access
• • Virus dissemination
• • Force majeure events
• • Breaches in firewall or encryption protocols
• • Errors in data transmission

The Company disclaims liability for any disclosure of your information arising due to reasons beyond its control. In the event of unauthorized data exposure, users are encouraged to immediately notify the Company and take all possible actions to safeguard their accounts.

You play a vital role in maintaining the confidentiality and security of your information while using the Platform. Always use caution, secure passwords, and avoid sharing sensitive information on unsecured channels.

6. Your Consent and Changes to Privacy Policy

Your Consent : By visiting the Platform or creating an account to avail Services, you signify your acceptance to the provisions of this Privacy Policy.

Withdrawal of Consent : You may withdraw your consent at any time by writing to info@fagfinance.com.

• • If you do not provide or later withdraw your consent, please do not access or use the Platform or Services.
• • The Company reserves the right to not provide Services and may delete or anonymize your data.

Changes to Privacy Policy : We reserve the unconditional right to modify this Privacy Policy at any time.

• • Changes may be made without specific notice to you.
• • We may notify you through push notifications or other means as deemed necessary.
• • Changes take effect immediately upon update.
• • Please review the Privacy Policy regularly and check the “Last Updated” date.
• • Continued use of the Platform signifies your agreement to the changes.

7. Customer Grievance Officer

If you have any grievance with respect to the Platform, please feel free to reach out to the Grievance Officer. The details are provided below:

• • Name : Nitesh Yadav
• • Mobile No. : +91 844 711 1155
• • Email Id : info@fagfinance.com