Welcome to FinUjjwal. This privacy policy (‘Privacy Policy’) is a crucial document to your use of our Services and, therefore, it is important to clarify whom we are talking about:
FinUjjwal is the owner and publisher of the website titled www.finujjwal.com on the world wide web as well as the underlying software and services provided by FinUjjwal. The services rendered through the website shall be referred to as the “Services”.
At FinUjjwal, we take our data protection obligations seriously and ensure that your data is well guarded and protected when utilizing our software. FinUjjwal also ensures that it is compliant with all applicable laws, including but not limited to (i) Information Technology Act, 2000; (ii) Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011; (iii) Information Technology (Intermediary Guidelines and Digital Media Ethics) Rules, 2011; and (iv) The Digital Personal Data Protection Act, 2023.
We respect your privacy, and will not share, sell, or otherwise disclose your personal information to disclose this information to affiliates, subsidiaries, agents, or third party content providers for marketing purposes. We retain the right to disclose any information necessary to normal business operation, such as to payment processors.
This Privacy Policy details how we collect, use, share, disclose and safeguard your personal information while using the Services.
BY USING THE SERVICES OR BY OTHERWISE GIVING US YOUR INFORMATION, YOU WILL BE DEEMED TO HAVE READ, UNDERSTOOD AND AGREED TO THE PRACTICES AND POLICIES OUTLINED IN THIS PRIVACY POLICY AND AGREE TO BE BOUND BY THE PRIVACY POLICY. YOU HERE BY CONSENT TO OUR COLLECTION, USE AND SHARING, DISCLOSURE OF YOUR INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY. WE RESERVE THE RIGHT TO CHANGE, MODIFY, ADD OR DELETE PORTIONS OF THE TERMS OF THIS PRIVACY POLICY, AT OUR SOLE DISCRETION, AT ANY TIME. IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY AT ANY TIME, DO NOT USE ANY OF THE SERVICES OR GIVE US ANY OF YOUR INFORMATION. IF YOU USE THE SERVICES ON BEHALF OF SOMEONE ELSE (SUCH AS YOUR CHILD) OR AN ENTITY (SUCH AS YOUR EMPLOYER), YOU REPRESENT THAT YOU ARE AUTHORISED BY SUCH INDIVIDUAL OR ENTITY TO (I) ACCEPT THIS PRIVACY POLICY ON SUCH INDIVIDUAL’S OR ENTITY’S BEHALF, AND (II)CONSENT ON BEHALF OF SUCH INDIVIDUAL OR ENTITY TO OUR COLLECTION, USE AND DISCLOSURE OF SUCH INDIVIDUAL’S OR ENTITY’S INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY.
The information collected from you by FinUjjwal may constitute ‘personal information’ or ‘sensitive personal data or information’ under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (‘SPI Rules’).
“Personal Information” is defined under the SPI Rules to mean any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available to a body corporate, is capable of identifying such person.
The SPI Rules further define “Sensitive Personal Data or Information” of a person to mean personal information about that person relating to:
FinUjjwal will be free to use, collect, and disclose information that is freely available in the public domain without your consent.
All FinUjjwal Users:
The applicability of this section shall extend to all users of the services offered by FinUjjwal.
In order to access the FinUjjwal Services, each user must accept and acknowledge the Terms of Use, which includes the acceptance of this Privacy Policy. Any user that does not agree with any provisions of this Privacy Policy has the option to discontinue the services provided by FinUjjwal immediately.
In the occasion the user is a minor and wishes to use our services, such use shall be made available to you by your legal guardian or parent, who has agreed to these terms. FinUjjwal will not be responsible for any consequence that arises as a result of misuse of any kind of our Platform or any of our products or Services that may occur by virtue of any person, including a minor, registering for the Services/products provided. Any portion of the information containing personal data relating to minors provided by you shall be deemed to be given with the consent of the minor's legal guardian.
All the information provided by a user, including Personal Information or any Sensitive Personal Data or Information, is voluntary. You acknowledge and understand that FinUjjwal may use certain information of yours, which has been designated as Personal Information or ‘Sensitive Personal Data or Information’ under the SPI Rules, (a) for the purpose of providing you the Services, (b) for commercial purposes and in an aggregated or non-personally identifiable form for research, statistical analysis and business intelligence purposes, (c) debugging customer support related issues, (d) for the purpose of contacting you to complete any transaction if you do not complete a transaction after having provided us with your contact information in the course of completing such steps that are designed for completion of the transaction. FinUjjwal may also use the information provided by You for the following purposes: (a) Identifying you; (b) Contacting Users for taking product and service feedback; (c) Processing payment instructions, including those through independent third-party service providers such as payment gateways, banking and financial institutions, prepaid instrument and wallet providers for processing of payment transaction, or deferral of payment facilities.
By accessing and using the website and/or verifying your contact number with FinUjjwal, You have explicitly consented to receive all above stated communications (through call, SMS, email or other digital and electronic means) from FinUjjwal and/or its authorized representatives, even if your contact number is registered under the DND/NCPR list under the Telecom Commercial Communication Customer Preference Regulations, 2018. For this purpose, the required information may be shared with third-party service providers or any affiliates, group companies, and their authorized agents.
Collection, use, and disclosure of information which has been designated as Personal Information or Sensitive Personal Data or Information’ under the SPI Rules requires your express consent. By affirming your assent to this Privacy Policy, you provide your consent to such use, collection, and disclosure as required under applicable law.
You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of account registration. If your personal information changes, you may correct, delete inaccuracies, or amend information by making the change on our member information page or by contacting us through support@finujjwal.com. We will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable. If you provide any information that is untrue, inaccurate, out of date, or incomplete (or becomes untrue, inaccurate, out of date, or incomplete), or FinUjjwal has reasonable grounds to suspect that the information provided by you is untrue, inaccurate, out of date or incomplete, FinUjjwal may, at its sole discretion, discontinue the provision of the Services to you.
If you wish to cancel your account or request that we no longer use your information to provide you services, contact us through support@finujjwal.com. We will retain your information for as long as your account with the Services is active and as needed to provide you the Services. We shall not retain such information for longer than is required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force. After a period of time, your data may be anonymized and aggregated and then may be held by us as long as necessary for us to provide our services effectively, but our use of the anonymized data will be solely for analytic purposes. Please note that your withdrawal of consent or cancellation of account may result in FinUjjwal being unable to provide you with its Services or to terminate any existing relationship FinUjjwal may have with you.
FinUjjwal may require the user to pay with a credit card, wire transfer, debit card or cheque for Services for which subscription amount(s) is/are payable. FinUjjwal will collect such User’s credit card number and/or other financial institution information such as bank account numbers and will use that information for the billing and payment processes, including but not limited to the use and disclosure of such credit card number and information to third parties as necessary to complete such billing operation. Verification of credit information, however, is accomplished solely by the User through the authentication process. User’s credit-card/debit card details are transacted upon secure sites of approved payment gateways which are digitally under encryption, thereby providing the highest possible degree of care as per current technology. Please note that FinUjjwal provides the User with the option to not save payment details on the App, however, such decisions are completely at the User’s option and FinUjjwal shall not be responsible for the use of such data.
FinUjjwal has contracted with a third-party payment gateway service provider. FinUjjwal does not authorize such third-party to use or disclose your personal information except in connection with providing their services. FinUjjwal shall not be liable for any breaches by any third parties or service providers.
FinUjjwal shall not sell, rent, or otherwise give your e-mail address to a third party without your consent.
FinUjjwal has implemented best international market practices and security policies, rules and technical measures to protect the personal data that it has under its control from unauthorised access, improper use or disclosure, unauthorised modification and unlawful destruction or accidental loss. However, for any data loss or theft due to unauthorized access to the User’s electronic devices through which the User avails the Services, FinUjjwal shall not be held liable for any loss what so ever incurred by the User.
Other than as specifically stated in this Privacy Policy, FinUjjwal will only disclose your Personal Information in the event it is required to do so by law, rule, regulation, law enforcement agency, governmental official, legal authority, or similar requirements, or when FinUjjwal, in its sole discretion, deems it necessary in order to protect its rights or the rights of others, to prevent harm to persons or property, to fight fraud and credit risk, or to enforcer or apply the Terms of Use.
If you consent, we also process your user data beyond the necessary usage described in Section 3 to improve our services as described in more detail below.
Purpose of product improvement: We have to continually analyze, develop, test, and improve our products in order to ensure that our services benefits users in the most effective way. To do this, we analyze usage and incorporate learning into improved new versions of our products. These improvements are also provided to you via regular updates.
Scientific research and statistics: User Data can also be used for the purposes of research and statistics (always whilst complying with the recognized ethical scientific standards) and internal analyses. This anonymous data is used mainly to determine and improve the effectiveness of the Services being rendered by FinUjjwal.
Enforcement of rights: The use of personal data may also be necessary to prevent abuse by users or to assert, exercise, or defend legal claims. We may be forced into disclosure due to binding laws, court or official decisions and instructions, criminal investigations, or in the public interest. In such cases, the storage and processing of your data is permitted by law without your consent.
User Data is stored on the device being operated by the User. User Data is also stored on servers operated by FinUjjwal and servers operated by third-parties for the limited use of providing services to FinUjjwal.
FinUjjwal shall only store User Data for the duration of your contract with FinUjjwal. In certain cases, longer storage may be required in order to fulfill post-contractual obligations or to comply with statutory storage obligations or disclosure duties or to assert, exercise or defend legal claims (subject to limitation periods).
Our data protection officer is available to answer all data protection questions at support@finujjwal.com. The data protection officer monitors compliance with all data protection regulations and is subject to strict statutory secrecy and confidentiality obligations.
The data protection officer is widely involved in all questions associated with protecting the personal data of our users.
Data protection legislation in India is constantly evolving and being developed, and, as a result, FinUjjwal will have to mandatorily undertake changes from time to time. FinUjjwal will inform you of the changes by appropriate means whilst granting an appropriate advance notice period and, if necessary, obtaining new consents. FinUjjwal will not reduce a user’s right under this Privacy Policy without the user’s explicit consent.
Unless otherwise provided by this Privacy Policy, the same term definitions apply as in our Terms of Use.
Revocation of Consents: Users have the right to revoke the consent at given to FinUjjwal at any time. However, this will not affect the lawfulness of the processing prior to the User’s revocation. Services provided by FinUjjwal may be impacted and/or restricted as a consequence of such revocation.
Deletion (Right to be forgotten): Every user has the right to request the deletion of their personal data. To do so, please contact FinUjjwal at support@finujjwal.com.
Correction: In the occasion that a user finds that some of the User Data is incorrect, then in such case the User can request FinUjjwal to ensure that such data is corrected. In most cases, the User will have the ability to update and change such User Data by themselves.
Complaints: If a User has any complaints on the protection of the User Data or any portion of this Privacy Policy, then please contact us at grievance@finujjwal.com or contact our Data Protection Officer at support@finujjwal.com.
You categorically acknowledge that this Privacy Policy is a part of the Terms of Use for Services offered by FinUjjwal, and you unconditionally agree that becoming a User of the Services offered by FinUjjwal signifies your assent to this Privacy Policy and consent to FinUjjwal using, collecting, processing and/or disclosing your Personal Information in the manner and for the purposes set out in this Privacy Policy. It is reiterated that your use of the Services offered by FinUjjwal is subject to this Privacy Policy and the Terms of Use.
Thank You For Reading And Acknowledging This Privacy Policy.
Enjoy The FinUjjwal Experience!
Without clarity, you send a very garbled message out to the Universe.