Monetic Technology Private Limited has a Privacy Policy in place that governs the collection, use, and disclosure of personal data and other information collected through its platform. It is important for users of the platform to review the Privacy Policy carefully to understand how their personal data is being handled and what rights they have in relation to their data. The Privacy Policy also appears to exclude third-party sites and services, which may have their own policies that users should be aware of when accessing those sites or services.

I can advise users of the platform to carefully review the Privacy Policy before using or registering on the platform or accessing any services. The Privacy Policy is an important legal document that outlines how personal data and other information is collected, used, and disclosed by the company, as well as any rights or options that users may have in relation to their data. Users should pay special attention to any sections or clauses that relate to the specific services they are interested in using, such as instant loan, fixed deposits, personal loans, and related services. It is always a good idea to be informed about the privacy practices of any online service before using it.

The Privacy Policy is considered a part of the terms of use for the platform, and should be read together with the terms to fully understand the conditions and requirements of using the platform and any related services. It is important for users to carefully review the terms and conditions of both the Privacy Policy and the Terms before using the platform to ensure they understand their rights and obligations with respect to their personal data and any services offered..

We wish to mention that in case of non-compliance with the privacy policy pertaining to access or usage of the computer resource, We shall have the right to terminate Your access or Your usage rights to the computer resource immediately or remove non-compliant information or both, as the case may be

1. Collection of Information

We collect Personal Information (specified below) from You when You register or set up an account with Us on the Platform. You can browse certain sections of the Platform without being a registered member; however, to avail certain Services on the Platform you are required to register with us. This Privacy Policy applies to information (“Personal Information”) that:

• You may provide to us voluntarily while registering on Our Platform for using Our Services, such as Name, Email address, Phone number, Mailing address, nominee details, residential address, correspondence address, Date of birth, Financial information, such as bank account or credit card details documents such as identity card / passport details / Aadhaar details / Voter ID / driving license, and/or education details
• We may also ask You for certain financial information, including Your billing address, bank account details, income, expenses, and/or credit history, including transaction history, balances, and/or other payment related details or other payment method data, and debit instructions or other standing instructions to process payments for the Services.
• the company may ask users to provide additional information on a case-by-case basis, and that users are expected to provide this information willingly and without coercion. It is important for users to be aware that any information they disclose will be subject to the terms and conditions of the Privacy Policy, and that the company is disclaiming liability for any issues related to the authenticity, genuineness, misrepresentation, fraud, or negligence of information disclosed by users. Users should be careful to provide accurate and truthful information to the best of their knowledge, as any inaccurate or false information may have negative consequences. It also appears that the company will not be responsible for verifying any information obtained from users. It is important for users to be aware of this disclaimer of liability when using the platform and disclosing personal data or other information. Users should take care to ensure that any information they provide is accurate and truthful to the best of their knowledge, and should not rely solely on the platform or the company to verify the information.
• Our intermediary, who is registered with a financial services regulator, may retrieve certain personal information from the user's records that are available with third parties, including the Know Your Customer (KYC) Registration Agency (KRA). The information that may be retrieved includes: Name, KYC details (which may include information such as date of birth, PAN card number, and other identification information), KYC status (which may indicate whether the user's KYC details are up-to-date and verified), Father's name (which may be used as an additional identifying factor), Occupation, Address details (which may include permanent and current addresses), Related documents (which may include proof of identity, address, and other supporting documents). the company acknowledges the importance of compliance with applicable laws and regulations when retrieving personal information from third parties. It is important for users to be aware of the types of information that may be retrieved and the purposes for which it will be used, as well as their right to review and update their personal information as needed. Additionally, users should be notified in the event of any data breaches or unauthorized access to their personal information, in accordance with applicable laws and regulations. It is always a good idea for users to be informed about how their personal data is being collected, used, and protected, and to be aware of their rights with respect to their data.
• If the user chooses to invest through the platform, the company will collect additional information related to their transactions and investment behavior. This may include the transaction status and details, Investment behavior.
• When and if you download and/or use the Platform through Your mobile, we may receive information about your location, Your IP address, and/or your mobile device, including a unique identifier number for Your device. We may use this information to provide you with location-based Services including but not limited to search results and other personalized content. You can withdraw Your consent at any time by disabling the location-tracking functions on Your mobile. However, this may affect your enjoyment of certain functionalities on Our Platform.

All information that the company intends to store transactional and financial information, as well as other data, on servers and other storage systems located in India. The purpose of collecting this information is to provide users with a safe, efficient, and customized experience on the company's platform. The company will use the information it collects to provide services and features that meet users' needs, as well as to customize the platform to make it safer and easier to use. More importantly, while doing so, We collect the above – mentioned Personal Information from You that We consider necessary for achieving this purpose. Additionally, the company states that it will collect personal information from users that it deems necessary to achieve this purpose. It is important to note that the company should comply with applicable data protection laws and regulations, including any requirements related to obtaining user consent for the collection and processing of personal information.

The company may also collect certain non-personal information while users browse, access, or use the platform. This information includes internet protocol address, web request, operating system, browser type, URL, internet service provider, aggregate user data, software and hardware attributes, pages requested, and cookie information. This non-personal information does not specifically identify the user. The purpose of collecting this information is to help analyze web page flow, track user trends, measure promotional effectiveness, and promote trust and safety. The company may also offer additional features on the platform that are only available through the use of cookies. We place both permanent and temporary cookies in Your computer’s hard drive.

We also use cookies to allow you to enter your password less frequently during a session on the Platform. the company uses 'session cookies' on the platform. Session cookies are a type of cookie that is stored in temporary memory and is deleted when the user closes their web browser or logs out of the platform. These cookies are used to help the platform remember user preferences and activities during a browsing session. By using session cookies, the company may be able to improve the user experience on the platform by providing personalized content and features. It is important for users to be aware of the use of cookies on the platform and to review the company's cookie policy to understand what types of cookies are being used and for what purposes. Cookies are small files that are stored on a user's device when they access a website or platform. They contain information about the user's preferences and browsing history, which can be used to personalize the user's experience or to track their activities on the site. Session cookies are a type of cookie that are only stored temporarily and are deleted when the user closes their browser or logs out of the website or platform. They are often used to keep a user logged in during a session, as stated in the passage. While cookies themselves do not collect Personal Data, they can be tied to Personal Data that a user has previously provided to a website or platform. Therefore, it's important to be aware of the types of cookies being used and how they are being used to ensure the protection of Personal Data. It's also worth noting that users can choose to decline cookies through their browser settings, as stated in the passage. However, doing so may limit their ability to use certain features or services on the website or platform.

We automatically track certain information about You based upon Your behavior on the Platform. We use this information to do internal research on your demographics, interests, and behavior to better understand, protect and serve You. This information is compiled and analyzed by the Company on an aggregated basis and not individually, in a manner that does not specifically identify you.

If you choose to post messages on message boards, chat rooms, or other message areas provided by a website or online service, the website or service provider may collect and store the information provided by the user. This may include the user's name, email address, IP address, and any content that the user posts including information as necessary to resolve disputes, provide customer support, respond to queries and inquires, and troubleshoot problems and improve the Services.

The platform collects and retains if you send us correspondence such as emails or letters, as well as other information related to your activities or postings on the platform. This information may be used to respond to your requests and address any concerns you may have regarding your use of the platform. The platform may also retain your personal information and other data for the duration necessary to fulfill the purposes outlined in privacy policy. It is important to note that any data collected and retained will only be used in accordance with the platform's privacy policy.

2. Use of Your Information

a) We use the Personal Information and other Non-Personal Information, to provide and improve the Services on the Platform that You request;

b) To resolve disputes and troubleshoot problems

c) To help promote a safe service on the Platform and protect the security and integrity of the Platform, the Services and the users;

d) Collect money from You in relation to the Services,

e) Inform You about online and offline offers, products, services, and updates;

f) Customize Your experience on the Platform or share marketing material with You;

g) To detect, prevent and protect Us from any errors, fraud and other criminal or prohibited activity on the Platform

h) Enforce and inform about our terms and conditions

i) To process and fulfill Your request for Services or respond to Your comments, and queries on the Platform;

j) To contact you and to allow Our business partners and/or associates to present customised messages to You

k) To communicate important notices or changes in the Services use of the Platform and the terms/policies which govern the relationship between You and the Company and with Our affiliates for providing Services to You and for any other purpose after obtaining Your consent at the time of collection.

You also specifically agree and consent to Us and our group companies, affiliates and subsidiary companies using the services offered by the company and its affiliates, you agree to allow them to collect, store, process, transfer and share your information (including Personal Information) with third parties such as banks, financial institutions, credit information companies, and other entities registered under applicable laws with Securities Exchange Board of India, National Stock Exchange of India Limited/BSE Limited/Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI)/payment gateways/collecting banks/KRAs etc. This is done solely for the purpose of reviewing your profile and processing your transaction requests for the services offered by the company and its affiliates. Additionally, your information may be used for other products/services offered by the company and its affiliates It is important to carefully read and understand the terms and conditions before using any service or product offered by a company. If you have any concerns or questions about how your information is being used, you should contact the company directly for clarification. In addition to the above, we identify and use Your IP address to help diagnose problems with our server, resolve such problems and administer the Platform. Your IP address is also used to help identify you and to gather broad demographic information.

We may occasionally ask you complete optional online surveys on the Platform; the company may collect your contact and demographic information to tailor your experience on the Platform and provide you with personalized content. Additionally, the company may use your personal information to send you promotional emails but will provide you with the ability to opt-out of receiving such emails. If you opt-out, you may still receive non-promotional emails about the services and your account on the Platform. Unless and until, you explicitly give your consent to us, to do so, we will not share Your Personal Information with another user of the Platform and vice versa.

3. Sharing of information

Monetic Technology Private Limited (“Investkraft”) to enable providing You Services through the Platform. Please note that all information shared with group companies, affiliates and subsidiary companies or made available to group companies, affiliates and subsidiary companies will be governed by the terms of this Privacy Policy. in addition to collecting Personal Information, the company may also collect your Aadhaar, fingerprint details, and signature for the purpose of completing the account opening procedures and authenticating your transactions on their platform. Aadhaar is a unique identification number issued by the Government of India, and fingerprint details and signature are also used for identification purposes. Collecting these details is a common practice for financial institutions and is done to ensure the security and authenticity of transactions. It is important to note that the company should have appropriate measures in place to protect your personal and sensitive information. You should also ensure that you are comfortable sharing this information with the company and that you understand how they will use and protect it.. The act of providing Your Aadhaar is voluntary in nature and the Company, hereby agrees and acknowledges that Investkraft will collect, use and store such details in compliance with applicable laws and this Privacy Policy.

We may also disclose Your Personal Information to third party vendors, consultants, and other service providers who work for the Company, who are bound by contractual obligations to keep such personal information confidential and use it only for the purposes for which We disclose it to them. this disclosure or the identity of the parties involved. However, based on the information provided, it appears that the disclosure outlines the situations in which the company may need to share or use a user's personal information. These situations include facilitating payments, conducting marketing activities, analyzing data, and preventing fraudulent or illegal activities. The disclosure also states that the company will not share a user's personal information with third parties for their marketing and advertising purposes without the user's explicit consent. This implies that the company values user privacy and respects their right to control how their personal information is used. It is important to carefully review any disclosures or privacy policies provided by companies to ensure that you understand how your personal information is being used and shared. The Company may disclose Your information, to the extent necessary: (i) to comply with laws and to respond to lawful requests and legal process, (ii) to protect the rights and property of the Company, Our users, and others, including to enforce the Terms, and (iii) in an emergency to protect the personal safety and assets of the Company, the users, or any person. In such an event the Company is in no manner responsible for informing You or seeking Your approval or consent. We and Our group companies, affiliates and subsidiary companies (to the extent Personal Information is collected by them) may, in compliance with applicable laws, share/transfer/assign all of Your Personal Information and other information with any other business entit(ies), in the event of a merger, sale, re-organization, amalgamation, joint ventures, assignment, restructuring of business or transfer or disposition of all or any portion of Our business

4. Connecting your email account

You hereby choose to provide your explicit consent to connect/integrate your email account(s) with your account on the Platform by clicking on the authentication email sent by the Company on Your registered email address. platform that allows users to track their investments. The platform offers the option for users to connect their email address with their account on the platform. By doing so, the platform will be able to securely access and analyze the user's emails, including attachments, from CAMS or Karvy's Consolidated Account Statement (CAS) and passwords, if any. The purpose of this is to consolidate the user's investment details and history, including those made through the account on the platform, into one place for easy tracking. It is important to note that the user will be asked for their consent before connecting their email account(s) to their account on the platform.

Such data obtained by this integration will be used by the Company solely for providing the Services and improving your experience of the features of the Platform and to consolidate your investment details and history. the platform provider, agrees not to use or transfer any data or information obtained from integrating the user's email addresses with their account on the platform for the purpose of serving ads, including retargeting, personalized, or interest-based advertising, to third parties. The Company also acknowledges that it has an obligation to ensure that its employees, agents, contractors, and successors comply with applicable laws at all times. the platform provider is committed to protecting the user's privacy and ensuring that their data is not misused or shared with third parties without their consent. It is important for users to be aware of such policies before they decide to integrate their email addresses with their account on the platform.

We encourage You to review the information prior to giving Your consent for integration of the email addresses with the account on the Platform. You may at any time opt to de-link your email addresses connected with the account opened on the Platform, by managing these connections with the options provided on the Platform. For example, Google Mail’s permission settings are located at: myaccount.google.com/permissions. A user can de-link the access to their email accounts any time they wish.

You shall not host, display, upload, modify, publish, transmit, store, update or share any information that:

• belongs to another person and to which You do not have any right;
• is obscene, pornographic, paedophilic, invasive of another`s privacy including bodily privacy, insulting or harassing on the basis of gender, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or promoting enmity between different groups on the grounds of religion or caste with the intent to incite violence;
• is harmful to child;
• infringes any patent, trademark, copyright or other proprietary rights;
• deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any misinformation or information which is patently false and untrue or misleading in nature;
• impersonates another person;
• threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognisable offence, or prevents investigation of any offence, or is insulting other nation;
• contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource;
• violates any law for the time being in force.

Investkraft use of information received from APIs will adhere to API Services User Data Policy, including the Limited Use requirements.

Links to Other Third - party Sites and collection of information: Our Platform may link You to other third - party Platforms ('Third - Party Sites') that may collect Your Personal Information including Your IP address, browser specification, or operating system. The Company is not in any manner responsible for the security of such information or their privacy practices or content of those Third - Party Sites. the Platform or accessing third-party sites, users may encounter 'cookies' or similar devices on certain pages. The company behind the platform clarifies that it does not control the use of cookies by these third-party sites. The paragraph further states that these third-party service providers and sites may have their own privacy policies governing the storage and retention of user information. Cookies are small text files that are placed on a user's computer or mobile device when they access a website or certain web pages. These cookies can be used to track a user's browsing behavior and preferences, and may be used for targeted advertising. By explaining that it does not control the use of cookies by third-party sites, the company is informing users that their browsing behavior and personal information may be tracked by these third-party sites, and that these sites may have their own privacy policies. Users should be aware of these policies before accessing third-party sites through the platform. This Privacy Policy does not govern any information provided to, stored on, or used by these third-party providers and Third-Party Sites. We recommend that when You enter a Third-Party Site, You review the Third Party Site’s privacy policy as it relates to safeguarding of Your information. We use third-party advertising companies to serve ads when You visit the Platform. These companies may use information (not including Your name, address, email address, or telephone number) about Your visits to the Platform and Third-Party Sites in order to provide advertisements about goods and services of interest to You. You agree and acknowledge that We are not be liable for the information published in search results or by any Third-Party Sites.

5. Security Precautions and measures

Our Platform has reasonable security measures and safeguards in place to protect Your privacy and Personal Information from loss, misuse, unauthorized access, disclosure, destruction, and alteration of the information in compliance with applicable laws. Further, whenever You access Your account on the Platform or any information relating to it, We offer the use of a secure serverthe company makes efforts to maintain the security of user information, it cannot guarantee that the personal and non-personal information provided by the user will be completely secure. The company cannot ensure or warrant the security of any information that the user transmits to the company. This means that there is a risk that the user's personal information and non-personal information may be accessed, disclosed, altered, or destroyed due to a security breach, despite the company's efforts to safeguard this information. to inform users of the potential risks associated with sharing personal and non-personal information on the platform. Users should be aware that while the company takes measures to secure their information, there is always a possibility that a breach of security could occur. It is important for users to take their own precautions to protect their personal information and to use the platform responsibly. It is further clarified that You have, so long as You access and/or use the Platform (directly or indirectly), the obligation to ensure that You shall at all times, take adequate physical, managerial, and technical safeguards, at Your end, to preserve the integrity and security of Your data which shall include and not be limited to Your Personal Information.

When payment information is being transmitted on or through the Platform, it will be protected by encryption technology. You expressly consent to It is important to note that sharing personal information with third-party service providers is a common practice for payment processing and management of payment-related information. It is essential to ensure that the service provider you are sharing information with has appropriate security measures in place to protect your data. It is commendable that the service provider you are referring to takes steps to protect the security of your information through the use of encryption and access control on their systems. However, it is also crucial to exercise caution and not share your login, password, or OTP details with anybody as this could compromise the security of your account and personal information. While We observe reasonable security measures to protect Your Personal Information on all our digital platforms, security risks may still arise for reasons outside of our control such as hacking, virus dissemination, force majeure events, breach of firewall etc. Please note that the above mentioned measures do not guarantee absolute protection to the Personal Information. The Company assumes no liability or responsibility for disclosure of your information due to errors in transmission, unauthorized third-party access, or other causes beyond its control. You play an important role in keeping your personal information secure. do not have any personal information or security information to share. However, I understand that the statement you have provided is a standard legal disclaimer that aims to protect the company from any unauthorized or unlawful disclosures of personal information by third parties who are not under their control. It is essential to understand that even with reasonable measures to protect personal information, there is always a risk of unauthorized disclosure or hacking. Users should always take steps to protect their personal information, such as using strong passwords, not sharing their login credentials with others, and being cautious about the information they share online. In case of any unauthorized disclosure of personal information, users should immediately contact the company and take appropriate action to prevent further harm.

6. Your Consent and Changes to Privacy Policy

Your Consent: By visiting the Platform or setting up/creating an account on the Platform for availing the Services on the Platform at such time, you signify Your acceptance to the provisions of the Privacy Policy.

Withdrawal of consent: You may choose to withdraw your consent provided hereunder at any point in time. Such withdrawal of consent must be sent in writing to care@investkraft.com. In case you do not provide Your consent or later withdraw Your consent, We request you not to access the Platform and/or use the Services and also reserve the right to not provide You any Services through the Platform. In such a scenario, the Company may delete your information (Personal or otherwise) or de-identify it so that it is anonymous and not attributable to You.

Changes to Privacy Policy: We reserve the unconditional right to change, modify, add, or remove portions of this Privacy Policy at any time, without specifically notifying You of such changes. However, We may, at Our sole discretion provide You push notifications or such other form(s) of notice as We deem necessary to keep You updated about this Privacy Policy. Any changes or updates will be effective immediately. You should review this Privacy Policy regularly for changes. You can determine if changes have been made by checking the “Last Updated” legend above. Your continued usage of the Platform shall signify Your consent to such changes and agreement to be legally bound by the same.

7. Customer Grievance officer

If You have any grievance with respect to the Platform, please feel free to reach out to the grievance officer, the name and contact details of this Officer have been provided below:

Name: Manvi Mittal
Mobile No. : +91-9643109685
Email Id. : manvi.mittal@investkraft.com