Introduction
At ZetBanker (“ZetBanker,” “We,” “Us,” or “Our”), we value your privacy and are committed to protecting your personal data. This Privacy Policy outlines how we collect, use, store, share, and protect your information when you use our website www.zetbanker.com (the “Website”) and mobile applications (the “App”), collectively referred to as the “Platform.” By using our Platform, you consent to the practices described in this Privacy Policy.
Compliance with Legal Requirements
This Privacy Policy has been drafted in accordance with applicable laws, including regulations provided by the Reserve Bank of India (RBI) and other relevant governing bodies.
Agreement to the Privacy Policy
By accessing or using the Platform, you acknowledge and agree to the terms of this Privacy Policy. Please read it carefully before using our Services. If you disagree with any part of this Policy, you should cease using our Platform immediately. This Policy is incorporated into and should be read in conjunction with the Terms of Use for the Platform.
1. Collection of Information
We collect information in two key categories based on the services we offer:
Part A: Digital Lending Services
We collect information to facilitate loan services provided by our financial lending partners registered with the RBI. These partners use this information to assess your loan eligibility and disburse loans.
Part B: Non-Lending Services
We collect information when you register on the Platform or use other non-lending services such as value-added services.
Information We Collect
When you use the Platform, we may collect the following types of information:
a) Personal Information
ZetBanker Account Data: Name, phone number, email address, date of birth, PAN, marital status, employment details, monthly income, co-applicant information (if applicable), etc.
b) Financial and KYC Information
- Documents like PAN, Aadhaar, bank account details, and proof of address (e.g., utility bills, passport, etc.).
- How We Use This Data: To process loans, authenticate your identity, and comply with legal requirements.
c) Additional Information for Loan Processing
- Bank statements, salary slips, income tax returns, etc. (may be required for loan assessment).
How We Use This Data: To assess loan eligibility, determine loan terms, and fulfill legal obligations.
2. How We Use the Collected Data
We use the collected data to provide you with our Services, improve the Platform, and ensure legal compliance. Specifically, the data may be used for the following purposes:
- Enabling Services: To create and manage your ZetBanker Account, process loans, and provide customer support.
- Loan Processing & KYC Authentication: To assess creditworthiness and process loan applications.
- Customer Support: To resolve any issues or questions you may have regarding our Services.
- Research and Development: To enhance the user experience and improve our offerings.
- Legal Compliance: To comply with applicable laws and regulations.
3. How We Share the Collected Information
We may share your information in the following circumstances:
- With Service Providers: To facilitate various functionalities of the Platform (e.g., loan disbursement, KYC verification, marketing, etc.).
- With Third-Party Services: If you interact with third-party services (e.g., payment gateways, external wallets), we may share your information with them.
- Legal Compliance: We may share information with law enforcement authorities when required by law.
4. Your Rights Regarding Your Data
You have certain rights concerning your personal data:
- Right to Rectification: If any of your personal data is inaccurate or incomplete, you can request to have it corrected.
- Right to Withdraw Consent: You can withdraw consent by uninstalling the app. However, we may still process your data if you have ongoing services with us.
- Right to Opt-Out: You can opt-out of receiving push notifications through your device settings.
5. Consent Mechanism
By creating a ZetBanker account, you consent to the processing, storage, and sharing of your data as outlined in this Privacy Policy. If you wish to revoke consent, you may contact us at help@zetbanker.com. However, please note that withdrawal of consent may affect our ability to provide services to you.
6. Data Retention
We will retain your personal information only for as long as necessary to provide our Services, comply with legal obligations, or for legitimate business purposes. Once the data is no longer required, it will be securely deleted.
7. Children's Privacy
Our Services are not intended for children under the age of 18. We do not knowingly collect personal information from children. If we learn that a child has provided us with personal data, we will take steps to delete it.
8. Communications
By using our Services, you consent to receiving communications from us regarding updates, offers, customer support, and other relevant information through various channels like calls, emails, SMS, and push notifications.
9. Updates to This Privacy Policy
We may occasionally update this Privacy Policy. Any changes will be posted on this page, and the "Effective Date" at the top will be revised. Please review this Privacy Policy periodically to stay informed about how we protect your information.
10. Contact Us
If you have any questions or concerns regarding this Privacy Policy or your data, please contact our Data Grievance Officer at grievance@zetbanker.com.
This Privacy Policy ensures that your data is treated with the utmost care and transparency. Thank you for trusting ZetBanker with your personal information.