Privacy Policy

Privacy

Godrej Capital Limited (hereinafter referred to as “GC”), a company incorporated under the provisions of Companies Act, 2013, having our registered office at Godrej One, Pirojshanagar, Vikhroli (East), Mumbai – 400079 and having corporate identity number U67100MH2019PLC330262, value your trust and respect your right to privacy.

General

This Privacy Policy provides you with details about the manner in which your data is collected, stored and used by us. You are advised to read this Privacy Policy carefully. If you do not agree to the terms of this Privacy Policy, do not further use or access GC website, GC applications or its digital assets (Website content/Journeys/ Applications/Mobile, tablet apps/Digital and SMS Communication).

For the purpose of this Privacy Policy, the term "You" or "User" shall mean any natural or legal person/entity including online and offline clients visiting this website and the term "We", "Us", "Our" shall mean GC along with its Subsidiaries.

Use of this Website/digital asset/communication signifies your acknowledgement and consent to this Privacy Policy. If, however, you object to Your Information being used, collected, stored, processed and transferred by GC in any way, please do not share your information on the Website or any Platform or with any representative of GC. If you would like to make a complaint about a possible breach of local privacy laws, please do so by calling us on 8657764527 or email at the following address: nodalofficer@godrejfinance.com and nodalofficer@godrejhf.com

This privacy statement is applicable to Website and Applications (mobile and hybrid, hereinafter referred to “applications”) of GC. This Privacy Policy applies regardless of whether you use a computer, mobile phone, tablet, or television or any other media or computer resource or any other medium digital or otherwise to access our Services. It also applies to those who register on our website/applications in connection with use of our services, or whose data GC otherwise receives in connection with its services. It is important that you read the Privacy Policy carefully because whenever you use our website/applications, your personal data will be processed (if at all) in accordance with this Policy.

For purposes of this Policy, the term “representative” shall include employees, authorized agents of GCL.

Personal Data and its collection

Personal Data, means and includes, any data relating to a natural person and is capable of identifying such person (‘data subject’ here in referred as you/your’) including but not limited to, name, address, mailing address, telephone number, email ID, PAN, LAN, bank account details including bank statements, linked to credit/debit payment instruments, information about your mobile phone, any personal details that may have been voluntarily provided by the customer, whether to Unique Identification Authority of India (UIDAI), Credit Information Bureau of India Limited (CIBIL) or any other agency including but not limited to any other Credit Information Companies (CIC). Personal data shall also include all Personally Identifiable Information (PII) and Sensitive Personal Information (SPI). Other personal data would include Loan Application Number.

i. Information Collected when you use our website: We collect data about you or your usage for the purpose of providing loan / other financial services to all of our users and such information is kept protected at all times. We may collect data in the following ways. Many of our services require you to register/sign up for an account on GC. When you do, we will ask for Personal Data, such as, but not limited to your name, email address, contact number, country, address to create/ update your account.

When you use the GC websites, GC mobile applications, or request for more information or request assistance or when you apply for loans, GC would request for and collect Personal Data (Personally Identifiable Information (PII) or Sensitive Personal Information (SPI) ), including but not limited to Name, Email ID, Contact number, address, financial information, bank statements, bank account details, credit information, family information, employment information, property details, ongoing loan details, business information, PAN card, Aadhar card, Passport, Driving license, other forms of identification proofs and such other required information and their supporting documents . Personal data may be collected by authorized representatives or mediums. We may collect personal/any and all forms of data for business purposes, sanctioning loan, processing loan cases, further providing assistance or services, service offerings, maintaining an audit trail as per regulatory and statutory requirements. This personal data may be collected, stored, processed, transferred between GC and its third party service providers for business purposes. Data security shall be maintained throughout the life cycle of the data/processes.

In the event that any data is shared by customers over unofficial channel such as:

Social media platforms,
WhatsApp application,
Telegram application,
Media sharing applications other than provided by GC
Email IDs domains other than GC domain (such as @gmail / @yahoo / @Rediff / other non-GC domain)

GC will not be responsible for the data privacy and security. Users are advised to share data only with authorized representatives via official channels.

In case any representative or any agent suggests any unauthorized alternate medium for data collection, GC shall not be responsible for the data privacy and security of such data/information.

When you use the GC Website or GC Mobile Applications to provide feedback, we collect your Personal Data including but not limited to name, title, Email ID, contact number, address and country. We collect data about the services that you use and how you use them. This data includes, but not limited to, log data and location data. We may collect your data through marketing campaigns and publicly available sources.

When you communicate with GC or use the GC platform to communicate with other members, we collect data about your communication and any data you choose to provide. If you choose to sign in with your social media account to access GC, or otherwise connect your social media account with the services of GC, you consent to our collection, storage, and use, in accordance with this Privacy Policy, of the data that you make available to us through the social media interface.

ii. Information Collected when you use our applications: When you download our mobile application or use our hybrid application (related to our various services) we collect the below information, but not limited to –

Email ID
Name
Address
Country/City
Mobile Number

GC does not collect Personal Data about individuals except when such individuals specifically provide such data on a voluntary basis. Upon such voluntary disclosure of Personal Data, we may further verify, collate or receive data about you from publicly and commercially available sources (in accordance with applicable law), which we may combine with other data we receive from you. We may also receive data about you from third-party social networking services, wherein you have provided such consent to those third-party platforms, if you are already connected with those services.

GC has adopted the ‘Fair Practice Code’ and has grievance redressal mechanism which can be accessed here

Lawful Basis of Processing

The information is collected for a lawful purpose connected with a function or activity of GC or any person on its behalf; and the collection of the sensitive personal data or information is considered necessary for that purpose. We may process your data because:

You would have given us permission to do so
We have provided services to you because you have availed/shown interest for one of our offers
To comply with the law
We have a contract with you

Use of Personal Data

We use Personal Data to provide you with any service you explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, assess your interest in our services, inform you about offers, products, services, updates, customize your experience, detect and protect us against errors, fraud and other criminal activity, enforce our Terms and Conditions, etc.

We may also use your Personal Data to send you offers regarding various services/facilities which GC or its group companies may, from time to time, launch. Your consent will be taken before we send you any such communication.

Cookies and Other Tracking Technologies

Some of our Web pages utilize "cookies" and other tracking technologies. A "cookie" is a small text file that may be used, for example, to collect data about website activity. Some cookies and other technologies may serve to recall Personal Data previously indicated by a Web user. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser, but please note that if you choose to erase or block your cookies, you will need to re-enter your original user ID and password to gain access to certain parts of the Website.

Tracking technologies may record data such as Internet domain and host names; Internet protocol (IP) addresses; browser software, co-browsing services, and operating system types; clickstream patterns; and dates and times that our site/application is accessed. Our use of cookies and other tracking technologies allows us to improve our website/applications and your Web experience. We may also analyze information that does not contain Personal Data for trends and statistics.

We provide access of your Personal Data to few employees who we believe reasonably need to know that data in order to fulfil their jobs to provide, operate, develop, or improve our products or services.

GC does not rent, sell, or share Personal Data about you with other people or non-affiliated companies except:

to provide products or services you've requested
when we have your permission
as required by law or legal process
or for services and offerings

We provide the data to trusted partners who work on behalf of or with GC under confidentiality agreements. These companies may use your Personal Data to help GC communicate with you about offers from GC and our marketing partners. However, these companies do not have any independent right to share this data.

We may disclose your personal data to agents or contractors of GC and/or its group companies/affiliates to enable processing of transactions or communications with you “on need” basis. Your aforesaid data may be further used for assessment and analysis of our market, customers, products, and services and to understand the way people use our Services so that we can improve them and develop new products and services. However, it shall be on the basis that the agents are required to keep the data confidential and will not use the data for any other purpose other than to carry out the services they are performing for GC and/or its group companies/affiliates.

With your permission we may share your personal data with Godrej group and/or its affiliates or providing details on latest offers from our other entities.

Third-Party Links and Content on Services

Our Services may link to third-party websites/applications and services that are outside our control. Further, GC, its group companies, its affiliates, and their directors and employees (“Godrej Group”) accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from your use of any application or any website, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with any online application, its contents (material, data, money market movements, news items, etc.) or associated services, or due to unavailability of any application or any part thereof or any contents or associated services even if GC is advised of the possibility of such damages, losses or expenses.

Minors

To use the website/Application you agree that you must be the minimum age (described in this paragraph below) or older.

The minimum age for these purposes shall be 18, however if local laws require that you must be older in order for GC to lawfully provide the services mentioned on the Website/Application to you then that older age shall apply as the applicable minimum age.

Data Retention

Your personal data processed by GC, or its third-party service providers shall be kept in a form which permits your identification for no longer than is necessary for the purposes for which the personal data was collected/stored/processed in line with legal, regulatory, contractual or statutory obligations as applicable.

Your personal data and all data collected during the information gathering, sanctioning of loan, processing of loan, and any other process of providing services, shall be retained for tenure of the loan. Post loan closure the personal data shall be retained for statutory retention period as per the regulatory requirements and applicable law. The regulatory requirement and applicable law for personal data retention may change from time to time and the retention period would be amended from time-to-time to comply with the rules and regulations.

Data Purging Protocol

At the expiry of retention period, your personal data may be purged or archived to comply with legal/contractual retention obligations or in accordance with applicable statutory retention periods, as applicable at that point in time. Certain minimal personal data may be retained after the data purging/archival process to comply with internal policy or statutory or legal or regulatory requirements at that point in time. Customers would have the option to grant/revoke consent based on which data retention or data purging guidelines would be followed as per the regulatory or statutory requirements.

Security and Confidentiality

GC would implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection and safeguarding of personal data GC. At GC, we are strongly committed to protecting the personal and financial data that is submitted to us.

GC shall ensure to safeguard the security and confidentiality of any data shared with us. Any personal data obtained by us shall not be used or shared other than for the purposes to which you provide your consent. However, despite our utmost efforts to protect your Personal Data, GC cannot warrant the security of any data you transmit to us through our online Services/ Applications. By accepting this Privacy Policy, you accept that such transmission of your Personal Data is done at your own risk.

Lastly, you are requested to help us protect your data privacy by maintaining the secrecy of the username and password you use for any of our Services.

Any breach of data or personal information shall be handled as per the regulatory or statutory requirements as may be applicable. Personal data shall be stored in systems within India as per regulatory and statutory requirements.

GC operates channels, pages and accounts on some social media websites/platforms/ public websites to inform, assist and engage with customers. GC monitors and records comments and posts made on these websites/platforms/public websites about GC in order to improve its products and services.

Please note that you must not communicate to GC through such social media sites the following information:

Sensitive personal data
Excessive, inappropriate, offensive or insulting information towards individuals.

GC is not responsible for any information posted on public websites/ social media websites other than the information posted by its authorized representatives/employees on GC’s behalf. GC is only responsible for its own use of the personal data received through such websites.

Disclaimer

GC shall not be liable for any loss or damage sustained by reason of disclosure (inadvertent or otherwise) of any data concerning the user's account and / or data relating to or regarding online transactions using credit cards / debit cards and / or their verification process and particulars nor for any error, omission or inaccuracy with respect to any data so disclosed and used whether or not in pursuance of a legal process or otherwise. GC does not store any Credit / Debit card details. Any other personal and sensitive Personal Data shared by you which is not asked by GC during registration, either mandatorily or optionally; accounts to willful and intentional furnishing of data/information; and GC will not be liable for breach of such data.

No contractual obligation

Please note that this Privacy Policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.

Intellectual Property Rights

Please note that GC retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this Website/ Applications (including all texts, graphics and logos).

Changes to this Privacy Policy

GC reserves the right to change or update this Privacy Policy or any other of our policies/practices at any time without giving any prior notification; hence, you are requested to review the Privacy Policy periodically, to make sure that you are aware of any such changes. This Privacy Policy shall apply uniformly to GC website and GC applications or any other media used by GC for its Services. Any changes or updates will be effective immediately upon posting the same on our website at https://www.godrejcapital.com. If you have any questions or concerns or require any clarifications with respect to this Privacy Policy, please do so by calling us on 8657764527 or email at the following address: nodalofficer@godrejfinance.com and nodalofficer@godrejhf.com.

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