Privacy Policy

By visiting this [ Klinq ]mobile and/or web application ("App") (collectively, the "Platform") and availing the services provided by us ("Services") you agree to be bound by the terms and conditions of this Privacy Policy.
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By mere access to the Platform or any part thereof, you expressly consent to [ Klinq ] ("we" or "our" or "us" or "[Aureus Trading Private Limited]") use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms of Use of the Platform. For the purpose of this Privacy Policy, the users of the Services may be customer/consumers, or any other persons using Services or accessing our Platform ("user"or "you" or "your"). If you do not agree to this Policy or any part thereof, please do not use or access our Platform or any part thereof.

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Privacy policy

‍COOKIES & PRIVACY POLICY:

We employ the use of cookies. By accessing this platform, you agree to use cookies in agreement with our Privacy Policy.
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You understand that this platform uses cookies to let us retrieve your/user's details for each visit. You further understand that cookies are used by our platform to enable the functionality of certain areas to make it easier for people like you who visit our platform. Some of our affiliate/advertising partners may also use cookies.
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You understand that we follow a standard procedure of using log files which log visitors when they visit this platform as a part of hosting services' analytics. You understand that the information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the platform, and gathering demographic information.

You understand that third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on platform, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on this platform. We have no access to or control over these cookies that are used by third-party advertisers.
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We assure that all collected information will be kept confidential, protective and encrypted and that collection of such data are as per Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011.
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Where we have requested any information from you, you agree to provide us with accurate and complete information. We undertake to process all personal data obtained through use of the platform in accordance with our Privacy Policy and law.

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‍COLLECTION OF PERSONALLY IDENTIFIABLE INFORMATION

When you use our Platform, whether our Website or our App, we collect 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 personal information from you that we consider necessary for achieving the aforementioned purpose.
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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:

• Your full name.
• Email.
• Mailing address;
• Postal code;
• Phone number;
• Aadhaar Number
• Permanent Account Number (PAN);

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 set up a free account with us as further detailed below. 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 thirdparty lenders on the Platform) requires registration and for you to provide the above details. The Platform shall clearly display the personal 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.

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COLLECTION OF MOBILE NUMBER AND EMAIL ADDRESS

When you sign up with us, we collect your mobile number and email address to uniquely identify you. This helps us ensure that no unauthorized device or person is acting on your behalf.

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‍COLLECTION OF LOCATION

We collect approximate location information to prevent fraud and ensure a safe user experience. Privacy and trust are paramount to us.

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COLLECTION OF VIDEO DECLARATION

Video declarations prevent fraud, and verify identity. Not for personal use or advertisement. Customer security is our priority.In the unlikely event of loan delay or default, we adhere to Google's policy and will only use the borrower's passport-size KYC photographs and video KYC declaration for recipient identification during correspondence. Your trust is our priority, and we always prioritize the highest standards of data protection in line with Google's policies.

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COLLECTION OF INSTALLED APPLICATIONS

We collect a list of the installed application's metadata information which includes the application name, package name, installed time, updated time, version name and version code of each installed application on your device to assess the customer’s creditworthiness and enrich your profile with pre-approved customized loan offers.

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CAMERA

We require the camera information permission to provide customers with 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.

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COLLECTION OF DEVICE INFORMATION

At our App, we prioritize your privacy, following Google Play Store policies. When you install our App, we request explicit permissions from you to collect device information like operating system details and more. Rest assured, we use this data responsibly, tied to unique identifiers on your device, to ensure automatic updates, enhance security, and prevent unauthorized account access. Your profile information, installed apps list, and wi-fi details help us customize your experience. We value your trust and continuously strive to improve our services based on your valuable feedback.

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USE AND DISCLOSURE OF YOUR PERSONAL AND OTHER INFORMATION

We use your personal information to:

• Resolve disputes;
• Troubleshoot problems;
• Help promote a safe service;
• Analytical analysis;Measure consumer interest and satisfaction in our products and services;
• Inform you about online and offline offers, products, services, and updates;
• Customize your experience;Detect and protect us against suspicious or illegal activity, fraud and other criminal activity
• Enforce our terms and conditions;
• Improvement of our services and as otherwise described to you at the time of collection

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.

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USE OF YOUR DEVICE INFORMATION

We use the information provided by You in the following ways:

• To establish identity and verify the same;
• Monitor, improve and administer our Website / Platform;
• Provide our service i.e. perform credit profiling for the purpose of facilitating loans to you.
• Analyse how the Website is used, diagnose service or technical problems and maintain security.
• Send communications notifications, information regarding the products or services requested by You or process queries and applications that You have made on the Website;
• Manage Our relationship with You and inform You about other products or services We think You might find of some use;
• Conduct data analysis in order to improve the Services / Products provided to the User;
• Use the User information in order to comply with country laws and regulations;
• To conduct KYC for our thirdparty lending partners based on the information shared by the User;
• Use the User information in other ways permitted by law to enable You to take financial services from our lending partners
• For the purpose of collection and recovery process in a case of delay and default of your loan.

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. This means that, we collect your data and information only for the events like delay and default. We as a company doesn't intend to harm, damage and malign the customer's reputation, caste, religion, sex, etc… The company does not indulge into any kind of malpractices and, or discrimination on the basis of sex, gender, caste, religion, etc.

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CHANGES IN THIS PRIVACY POLICY

Klinq 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.

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ACCESSING YOUR INFORMATION / CONTACTING US

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.

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YOUR PRIVACY CONTROLS

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.

SECURITY PRECAUTIONS

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. Our Platform has stringent security measures in place to protect the loss, misuse and alteration of information under control. We endeavour to safeguard and ensure the security of the information provided by you. We use Secure Sockets Layers (SSL) based encryption, for the transmission of the information, which is currently the required level of encryption in India as per the law. 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 security 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.Data transfers We or our affiliates maintain your information on servers located in India. Data protection laws vary among countries, with some providing more protection than others. We also comply with certain legal frameworks relating to the transfer of data as mentioned and required under the Information Technology Act, 2000. When we receive formal written complaints, we respond by contacting the person who made the complaint. We work with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of your data that we cannot resolve with you directly.
• Bureau Enquiry We will enquire with one or more Credit Bureaus on one or more affiliate National Banking Financial Company's (NBFC) behalf to provide you with your loan amount.

YOUR CONSENT

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 app 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.

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GRIEVANCE OFFICER

In accordance with Information Technology Act 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:

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Name: Vikram Sharma

Mobile: 80974 52970

Email: grievance@Klinq.in

Address: 1st street, JJ nagar, Mumbai,  Maharastra - 600090

Time: Mon - Sat (10:00 - 19:00)