This document (Hereinafter referred to as “Privacy Policy”) is an electronic record in terms of existing and applicable the Information Technology laws its allied rules, regulations, directions and guidelines, including the amended provisions thereto pertaining to electronic records in various allied statutes as amended pursuant to the Information Technology Act, 2000 (“IT Act”). This electronic record has been generated by a computer system and does not require any authentication.
In the Site,www.gaadimoney.com or any other associate website (hereinafter referred to as “Site” or “Website”) is subject to the terms of a legal agreement between the user of the Website and Gaadi Money Private Limited. Gaadi Money Private Limited (Hereinafter referred to as the “Company”). The Company is incorporated under the provisions of the Companies Act, 2013, having its registered office at 301, Shanti Enclave Apeksha CHS, Mira Road East, Thane, Maharashtra – 401107
The following terms and conditions will be deemed to have been accepted by the User, on mere visitation / usage of the Website and hence the User is required to read them carefully before using the services on the Website.
The Personal Information collected from the User while accessing the Website, as mentioned in the preceding paragraph, shall include:
The Company has in place, reasonable measures to protect and safeguard the information provided by the User on its interface in accordance with the Information Technology Act, 2000 and its allied Rules and Regulations. However, the User indemnifies the Company from any kind of liability in case of any loss of data / information belonging to the User, resulting from an event, which could not have been prevented by the exercise of prudence on the part of the Company.
In order to protect your privacy, the Company has adopted the following principles:
Wherever your Personal Information may be held within the Company, the Company intends to take reasonable steps to protect it from unauthorized access or disclosure. The Company is committed to protecting the security of your personal information. The Company uses a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. The Company stores the personal information you provide on computer systems located in controlled facilities with limited access.
Wherever your Personal Information may be held within the Company, the Company intends to take reasonable steps to protect it from unauthorized access or disclosure. The Company is committed to protecting the security of your personal information. The Company uses a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. The Company stores the personal information you provide on computer systems located in controlled facilities with limited access.
Where the Company collects Information on the Website, the Company intends to do so for a legitimate purpose and the same purpose may be asked by you from the persons mentioned in the contact tab. Unless the transfer of Information is legally required, the Company does not intend to transfer any Personal Information without your permission to third parties who are not bound to act on the Company’s behalf.
By using this Website, you consent to the terms of the Company’s Privacy Policy and terms of use of the Website and to the Company’s processing of your Information for the purposes given above. There are times, however, when the Company may need to contact you via emails, or through phone calls or SMS, and offer you their services for the product that you have opted for, or for imparting product knowledge, or to inform you about promotional offers running on the Website and/or offers offered by the associated third parties, for which reasons, as well as web aggregation, Personal Information may be collected as detailed above.
Notwithstanding the fact that you have registered yourself under any DND/DNC or NCPR service, you still authorize the Company and its subsidiaries/affiliates to call you for the abovementioned purposes.
It is made clear that the Company shall not be liable in any manner, for any defects or adverse consequences that may arise as a result of limited, incomplete, inaccurate or false Information provided by you.
Any Personal Data that the Company has access to shall never be shared without user consent and without disclosing the purpose behind the same. The Company receives and stores information you enter or upload on our Website, The Company may process, store and retain user’s Personal Data on Company’s servers where the data centres are located, and/or on the servers of third parties having contractual relationships with us. All Personal Data/information will be collected and stored at servers located in India. Company will retain user’s data for the period that you continue to be it’s customer and for such period as required to comply with any obligation under any law for the time being in force.
When user avail our products/services, Company may collect and store information about user to process his requests and automatically complete forms for future transactions, including (but not limited to) user’s phone number, address, email. Such sharing shall be in accordance with user’s instructions and subject to appropriate confidentiality and security requirements.
The Company will not use or rent your financial information for any purpose other than to complete a transaction with you. The Company shall however, collect sensitive personal data or Information for the following purposes:
The Company requires your information inter alia for the purpose of:
The Company shall use the Information so collected internally to inter alia:
The Company shall comply with all the reasonable security practices and procedures for keeping the information of the User secure.
Without prejudice to the stipulations contained hereinabove, given the Company’s legal responsibilities to legal authorities and regulators, there may be situations when the Company needs to share your information with legal authorities or processes or need to protect the Company’s rights or comply with terms and conditions in this regard.
Without prejudice to the stipulations contained hereinabove, given, the Company shall also be entitled to disclose your information which you may have either expressly or impliedly authorized the Company to disclose to third parties. Your information will be shared with third parties when:
Without prejudice to the generality of the foregoing, a Power of Attorney, authorizing the Company to disclose your information to third parties, shall tantamount to express authorization and consent by you.
The cookies installed by the Company shall be exclusively for the purpose of retrieving Information from you which pertain to be useful for the purpose of improving the online experience of the Client. A cookie is a piece of data stored on the user’s computer tied to information about the user. Cookies shall have limited scope, either for the purpose of person enrolment/registration for imparting services, or for the provision of information pertaining to loans, mortgage, financing and financial instruments such as Auto Loans (New Car Loans, Used car Loans, Refinance, Balance transfer and top up loans) personal loans, home loans, unsecured business loans, and loans against property and other allied matters related to or connected therewith.
We use cookies for on our Website in order to personalize our service to you. By using our Website, user/s agree that these types of cookies can be placed on his/her device. User/s is free to disable/delete these cookies by changing his/her web browser settings. User/s can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our Website may be limited. You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the Website.
Please note that this Privacy Policy may change from time to time. The Company reserve its right to change, modify or update this Privacy Policy at any time without notice. The Company shall not reduce your rights under this Policy without your explicit consent and expects most such changes to be minor. Regardless, the Company will post any Policy changes on this page and, if the changes are significant, we will provide a more prominent notice. Each version of this Policy will be identified at the bottom of the page by its effective date. If you have any questions or concerns about this Policy, please feel free to contact us any time at the contact details provided on this Website.
Company is ensuring applicable compliance standards on information security and understands that the confidentiality, integrity, and availability of your information are vital to our business operations and our own success. The scope of the same includes the Management of Information Security applicable to Business Process of Loan Distribution and its Support F unctions Including Information Technology, Human Resources and Admin. However, no method of transmission over the Internet or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security.
If you have any questions about the Company’s Privacy Policy disclosure of your Information or data privacy, please write to us.
It is made clear that your interaction with any third party accessed through the Website is at your own risk, and the Company will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.
The Company reiterates that it is not responsible for the privacy practices of third-party websites, which the Company does not own, manage or control. We encourage you to carefully read the privacy policy of any website you visit.
The User may at any point in time choose to deny/revoke consent for use of his Personal Data or restrict disclosure to third parties, data retention or revoke consent already granted to collect personal data. However, in case user choose to opt for any such revocation/restriction, company may not be able to offer/serve user with various products/services that need company to have user consent for using/storing/sharing user’s Personal Data in accordance with this Policy and in such case company may have to withdraw/stop any such products/services being availed by the user. The user may by sending a mail may revoke his consent to use his personal data being used by lending partners or other associates or third parties for their selling or promotion of their products.
In all cases company retain user’s Personal Data as long as the purpose for its usage exists, after which the same is disposed off by company except for any record retention required as per applicable law. The provisions of various laws require user transaction logs to be stored for longer periods post the deletion of an account. Further, in the event of the pendency of any legal / regulatory proceeding or receipt of any legal and / or regulatory direction to that effect, Company may be required by the law of the land to retain user Personal Data for longer periods.
The User may contact Company on any aspect of this policy or grievances relating to any digital lending-related complaints, by writing to our Nodal Grievance Officer as per the details provided below:
Name: Miss Mayuri Jain
Designation: Nodal Officer
Email ID: grievance-officer@gaadimoney.com
Address: A-301, Shanti Enclave Apeksha CHS, Mira Road East, Thane, Maharashtra – 401107.
The Users may review the Information, to ensure that any Information provided by the User found to be inaccurate or deficient may be corrected or amended, as feasible.
The Company shall not be responsible for the authenticity of the information supplied by the provider of information to the Company or to such other person acting on behalf of the Company.
The User consents that the Company may transfer the Information to any other body corporate or a person in India, or located in any other country, that ensures the same level of data protection that is adhered to by the Company, in accordance with the Information Technology Act, 2000 and its applicable Rules and Regulations.
The Company will retain and use your Information as necessary to comply with our legal obligations, resolve disputes and enforce the agreements entered into for providing the services offered by the Company, and more particularly described in the T&Cs and terms of Use of the Website.
IN CASE OF ANY QUERIES/GRIEVANCES WITH RESPECT TO SERVICES, CONCERNS, OR SUGGESTIONS REGARDING OUR PRIVACY POLICY, PLEASE REACH US AT customer care@gaadimoney.com
DATED: 23/08/24
