We collect information after due consent from our users. Chota Bada Loan does not share any information of users with a third party without specifically informing the users at the time of collection or without the express consent of users themselves. By providing your number to Chota Bada Loan you are authorizing Chota Bada Loan and its representatives to give you a call to offer you our services for the product you have opted for, impart product knowledge and offer promotions running on the website/app. Irrespective of the fact that you have registered yourself under DND or DNC service, you are still authorizing Chota Bada Loan and its representatives to give you a call for the above-mentioned purposes. This is based on your active opt-in to receive promotional offers from Chota Bada Loan and hence, there is no DNC check required for the number you have provided us through our Website or App.
2. USE OF USER INFORMATION
Chota Bada Loan reserves the right to perform statistical analysis of user behavior and preferences in order to measure users’ relative interests in the various areas of the website/app for the purpose of product and service development. The analytical data that Chota Bada Loan collects is for internal use only. We use analytics and reporting technologies to record non-personal information such as internet domain and host names, internet protocol (IP) addresses, browser software, operating system types, clickstream patterns, and the dates and times that the website/app services are accessed. We also contract with several online partners to help manage, monitor and optimize our website/app services to help us measure the effectiveness of our advertising, communications and how visitors use the website/app.
3. SENSITIVE PERSONAL DATA / INFORMATION
Chota Bada Loan collects sensitive personal data/information after your due consent, such as your name, mailing address, phone number, email address, pan number, gst number, sms, phone details, phone contacts, location, call logs, income tax returns, bank account number, passport details, driving license details, personal statements, reasons for seeking finance, income sources and financial information, etc. Chota Bada Loan uses this data for loan evaluation of applicants. Most small businesses do not have all the necessary documents and hence we supplement our underwriting process with the use of this data. The sensitive data collected by Chota Bada Loan is stored with bank grade security.
4. NON-PERSONAL INFORMATION
Chota Bada Loan also collect non-personal information such as browser type, the URL of the previous website you visited, your ISP, operating system, and your internet protocol (IP) address.
5. DISCLOSURE TO THIRD PARTIES
Unless Chota Bada Loan specifically informs users at the time of collection, or unless users give express consent, Chota Bada Loan does not provide any personal information to a third party that could be used for identification of a user. We may contract with various third parties to help us maintain and improve the website/app. We will use commercially reasonable efforts to prevent such third parties from accessing your personal information, except for the purpose of providing the services in question. However, if subpoenaed or ordered by a court of law, we have to disclose to the proper authorities the personal information of any individual user.
6. OTHER SHARING OF INFORMATION
7. Chota Bada Loan App Permissions
SMS: We need this to better assess your credit risk profile. We will read financial SMS transaction messages by banking or non-banking financial institutions, payment apps and services only. We will be able to obtain the number and type of your bank accounts, card accounts and loan accounts, cheque bounces, average EMI payments, average monthly credits and debits, and any other financial red flag. This will help us process your loan application more effectively. All your data will be stored safely and securely. We do not read your personal conversations in any manner.
8. LINKS TO OTHER MATERIALS
Linked sites are not under our control and Chota Bada Loan will not be held responsible for the content or privacy policies of any linked sites or any links containing other linked sites.
9. ALL PRIVATE INFORMATION IS ENCRYPTED AND COMMUNICATED SECURELY
All communications between your devices and Chota Bada Loan website/app that contain any personal/sensitive information are encrypted and transferred over a secure protocol.
10. CHILD PROTECTION
Chota Bada Loan does not offer services to, or target, persons considered minor under the Indian laws i.e. children below 18 years of age. Services are intended for users aged 25 and above only. In compliance with the Indian laws, any personal information from individuals that are under the age of 18 will be purged from our database.
11. YOU ARE RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR LOGIN ID AND PASSWORD
User is responsible for maintaining the security of his/her login id and password, and may not provide these credentials to any third party. If a user believes that these credentials have been stolen or been made known to others, he/she must contact Chota Bada Loan immediately at firstname.lastname@example.org. Chota Bada Loan is not responsible if someone else accesses a user’s account through registration information they have obtained from the user or through a violation of this privacy and security policy by the user.