At Kishori Capital C/o Kishori Capital Markets Private Limited, a company registered under the Indian Companies Act 2013, having its registered office at ROOM NO. 325, 3RD FLOOR, MARTIN BURN HOUSE, 1 R.N MUKHERJEE ROAD, KOLKATA – 700001. Hereinafter referred to as “APP/WEBSITE” (which shall hereinafter include the Kishori Capital website and mobile application), we value your trust and respect your privacy.

This Privacy Policy provides you with details about the way your data is collected, stored and used by us. You are advised to read this Privacy Policy carefully. By visiting the APP/WEBSITE, you consent to the use and disclosure of your personal information in accordance with the terms and conditions of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use or access the APP/Website.

1. Standard Terms

This privacy statement is applicable to the APP/WEBSITE that refers to or is connected to this Privacy Policy (collectively, our “Services”). This Privacy Policy applies regardless of the channel you use to access our Services. It is important that you read the Privacy Policy carefully because anytime you use our Services, you consent to the practices/ policies that we have set out in this Privacy Policy.

2. User’s Personal Information

Personal Information, implies and includes, all information pertaining to a specific individual or to the identity of any individual, including but not limited to, his/her name, address, mailing address, telephone number, email ID, bank account details including details linked to credit/debit payment instruments, information about mobile phone, any details that may have been voluntarily provided by the customer, whether to Unique Identification Authority of India (UIDAI), Credit Bureau or any other agency including any other Credit Information Companies or our empanelled service/ lending partners.

3. Use of Personal Information

We shall use your personal information to facilitate assessment and issuance of loan (provided by the ‘NBFC’ as defined in the ‘Terms of Use’) 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 information to send you offers regarding various services/facilities which the APP/Website or its group companies may, from time to time, launch. We may occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, gender, etc.). We use this data to customize your experience with the APP/Website.

Kishori Capital app/Website may collect information like device location, device information (including storage, model, installed apps, Wifi, mobile network) with your consent from your mobile device to perform credit risk assessment and provide customized offerings.

4. Sharing of information/ Disclosure

a) We will not voluntarily disclose your personal information to any non-connected third party but in certain circumstances, we may do so if we are required by a court order, by Government Authorities, by law enforcement authorities or by other legal processes or where it becomes necessary to do so to protect the rights or property of the APP/Website and/or its group companies/affiliates, etc. We may also disclose your information to a third party as part of a merger, cooperation towards delivering services or transfer or any restructuring.

b) You shall have access to the information provided by you on the APP/Website and shall be entitled to the to review, correct, amend the information provided by you, as and when required in case it is found to be inaccurate or deficient.

5. Cookies

A “cookie” is asmall piece of information stored by a web server on a web browser, so it can be later read back from that browser. The APP/WEBSITE may use cookies and tracking technology depending on the features offered.
No personal information/data/details will be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

6. Password Policy

Help us protect your privacy by maintaining the secrecy of the username and password you use for any of our Services. You should not share this with anyone including those who claim to represent the APP/WEBSITE or its partners/ group companies. We will have no responsibility for any breach whatsoever from your side in this regard.

7. Changes to this Privacy Policy

The APP/WEBSITE reserves the right to change or update this Privacy Policy or any 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 the APP/WEBSITE or any other media used by the APP/Website for its Services. Any changes or updates will be effective immediately upon posting the same on our APP/Website.

8. Data Retention

We take reasonable steps to ensure that information about you is available only for so long as is necessary for the purpose for which it is processed, or longer if required under any contract, by applicable law, or for statistical purposes, subject to appropriate safeguards.

9. Third-Party Links and Content on Our Services

Our Services may link to third-party websites and services that are outside our control. Further, the APP/Website, its group companies, its affiliates, and their directors and employees (“theGroup”) 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 mobile application or any site or inability to use by any party, 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 mobile or online application, its Contents (material, information, 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 the Group are advised of the possibility of such damages, losses or expenses.

10. Intellectual Property Rights

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

11. Consent

a) Your usage and visitation of the APP/Website and your execution of the loan agreement with the NBFC shall be deemed as consent in writing for the purpose of collection, usage,and disclosure of your information in terms of this Policy.

b) Termination of services between you and the NBFC (in accordance with the ‘Loan agreement’) or the APP/Website (in accordance with the ‘Terms of Use’) shall be deemed as withdrawal of consent for the purpose of this Policy and there shall be no further usage or disclosure of your information following such termination.

c) You shall have the option of withdrawing your consent by giving a notice in writing to the APP or our customer care email id

12. Disclaimer

Please note that the APP/website does not collect personal information about individuals except when such individuals specifically provide such information on avoluntary basison the APP/Website. Upon such voluntary disclosure of personal information, we may further verify, collate or receive information about you from publicly and commercially available sources (as permitted by law), which we may combine with other information we receive from you. We may also receive information about you from third-party social networking services if you are already connected with those services. The APP/Website shall, always, ensure to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection and safeguarding of your personal data and information as the same is of vital importance to the APP/Website.

Weare strongly committed to protecting the personal and financial information that you submit to us. Personal information of individual users will not be sold or otherwise transferred to unaffiliated third parties without your approval at the time of collection. However, please note that although we take reasonable steps to protect your information, no website, internet transmission, computer system or wireless connection is completely secure, and we may not be able to control all externalities.

The APP/Website shall ensure andsafeguard the security and confidentiality of any information you share with us. Any of your personally identifiable information obtained by us shall not be used or shared other than for the purposes to which you consent. However, despite our utmost efforts to protect your personal information, the APP/Website cannot warrant the security of any information you transmit to us through our online services/ applications. By accepting this Privacy Policy, you accept that such transmission of your personal information is done at your own risk.

Your information/inputs/queries as a registered user are required to serve you better and the same shall not be shared with anyone without your consent. However, we may disclose your personal data to agents or contractors of the APP/Website and/or its group companies/affiliates to enable processing of transactions or communications with you “on need” basis. Your aforesaid information 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 information confidential and will not use the information for any other purpose other than to carry out the services they are performing for the APP and/or its group companies/affiliates.

13. 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.

14. Disputes and Jurisdiction

Any dispute arising in connection with the Privacy Policy shall be settled before courts of Kolkata and inaccordance with Indian law.

15. Grievance Redressal

In case of any complaints pertaining to the terms and conditions if this Policy you can contact the designated Grievance Redressal Officer who shall address the same within a reasonable period of time. The name and contact details of the officer have been published on the APP/Wesbite.