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Reserve Bank of India (RBI) had vide its Circular RBI/2022-23/111
DOR.CRE.REC.66/21.07.001/2022-23 advised the Boards of Non- Banking
Finance Companies (NBFC's) to lay out appropriate internal principles and
procedures on determining the policy guidelines regarding the storage of
customer data including the type of data that can be stored, the length of
time for which data can be stored, restrictions on the use of data, data
destruction protocol, standards for handling security breach, etc., are put in
place and also disclosed by DLAs of the REs and of the LSP engaged by the
RE prominently on their website and the apps at all times.
These need to be taken cognizance of while adopting the above said policy and other, and any subsequent changes thereto
including the type of data that can be stored, the length of time for which
data can be stored, restrictions on the use of data, data destruction
protocol, standards for handling security breach, etc., You are advised to
in the website.
ATD Financial Service Pvt. Ltd. , is a registered NBFC governed by Reserve Bank of India having its registered office situated at C-316, B&C, Sector-10, Noida, Uttar Pradesh-201301, owned and operate this website www.atdfinance.in and other related internet based application (if any) (Referred To As "Website" Or "Services"). User of this website shall take a note that any statements made on ATD Finance's website or applications (if any) shall not be interpret as an offer or promises for grant of any financial services.
1. Type of Data- (Information that may be provided by you or we collect – Digital/Physical)
- 1 Identification Information: Name, gender, current and permanent residential / correspondence address, contact number, date of birth, marital status, e mail ID or other required contact information for processing the any application with us.
- 2 KYC Information like PAN, ADHAAR, Signature and Photograph .
- 3 Bank account details or other repayments relaed details.
- 4 Any Other details which is important and required while processing the loan application or may be required by us for providing the product & services of ATD Finance or its related (at any manner) entity.
- 5 Transaction Information: We examine, gather and monitor only financial transactional SMS for description of the transactions and the corresponding amounts for credit risk evaluation. Other SMS records isn't accessed.
- 6 Storage Information: A user may down load and show information which includes all the applicable charges, fee etc which a user may additionally seek advice from, or to upload reuired documents for processing the loan application.
- 7 Media Information: A user may capture / upload applicable documents as can be required to be uploaded in the course of processing the loan application.
- 8 Device Information: We gather specific statistics approximately of
your device when you access our Services, inclusive of your storage,
hardware version, operating system and version, Unique device
Page 4 of 11 Identifier, mobile network information, and information about the device's interaction with our services.
- 9 We read Name and Phone number information when you select the contact as a reference during the filling up the loan application form as the same is required for evaluation of the credit risk for processing the loan application and remain available in the software till repayment of any running loan. We don't upload your contact list to our servers in case your loan is not sanctioned or not disbursed.
- 10 Information provided by way of customers thru our Website or Services and at the time of registration, use the centers and offerings to be had, information mechanically obtained and amassed will consist of information required for availing respective product & Services.
- 11 Information from credit bureaus and customer service vendors to help ATD Finance with client verification and diligence required for ATD Finance and its related (at any manner) entity.
- 12 Log information: Domain server through which the User accesses the App Search queries, IP cope with, crashes, date and time.
- 13 Device information: With your permission, we may additionally acquire and screen Type of tool (such as Storage, hardware model, operating system and version, installed apps, WiFi, cellular network) used by the User, personal information stored via third parties like social networking websites, information pertaining for your device and your utilization thereof, together with, inter alia, the names of the any other applications in your cellular phone and how you operate them, list of account for credit profile enrichment.
- 14 SMS: With your permission, we may ship sms to verify
registered quantity, collect and display handiest financial
transactional/promotional messages for description of the
Page 5 of 11 transactions and the corresponding quantities for credit risk assessment (Other SMS records is not accessed).
- 15 Contacts: With your permission, we might also accumulate touch information to mechanically come across references facts to your custom designed credit scoring.
- 16 Location: With your permission, we can also obtain, accumulate and examine your vicinity information which can be accessed through an expansion of techniques along with, inter alia, GPS, IP address, and cell tower location and, your precise location based on GPS data. In the occasion of IP detection failure, we will collect the last cached place as your contemporary place. We may additionally acquire region statistics for validating your deal with and to growth the chances of your loan approval, even when the application is closed or not in use.
- 17 Local storage: Browser internet garage, software information caches.
- 18 Cookies and comparable technologies.
- 19 Details required for management or services and product development.
- 20 Record and/or reveal calls if ATD Finance experience important for pleasant checks and staff training. Such recordings will also be used to help ATD Finance combat fraud.
- 21 Feedback given via you.
- 22 Third-party advertisements: We may use third-party
advertising companies to serve ads when you visit our Website or
Application. These companies may use information about your usage
preferences (but not your name, address, email address, or telephone
number) about your visits to this and other websites in order to
provide advertisements about goods and services of interest to you.
ATD Finance is not responsible for product and services of such
Page 6 of 11 websites and is also not responsible for their privacy practices, which ATD Finance does not own, manage or control. (however now not your name, address, e-mail cope with, or phone quantity) about your visits to this and different web sites with the intention to offer classified ads about items and services of interest to you. ATD Finance isn't always chargeable for product and offerings of such websites and is likewise no longer liable for their privateness practices, which ATD Finance does now not very own, manage or manage.
- 24 Retention of accumulated Information: The statistics collected from you will be retained at some stage in the (i) validity of your Account and for the reason of submission of such facts, (ii) As consented by way of you whilst growing your User Account (iii) As required via any regulatory norms including but not restrained to the norms prescribed beneath Prevention of Money Laundering Act, 2002
- 25 We ask site visitors to our site to use their social media logins (Facebook, Gmail, Instagram, LinkedIn etc. ) to provide customer review and remarks on our website.
2. Length of time for which data can be stored-
- 1. ATD Finance shall not keep or store such facts/Information for period longer than is required for the functions / processing besides while the statistics can also lawfully be used or is otherwise required beneath every other law for the time being in force.
- 2. By agreeing to avail the offerings of product and services of ATD Finance, you've got agreed to the gathering and use of your Sensitive Personal Data or Information, by way of ATD Finance. You continually have the right to refuse or withdraw your consent to share/disseminate your Sensitive Personal Data or Information through contacting the customer care. However, in the case of your refusal or withdrawal of personal records, you shall not be able to avail any product & services offered by ATD Finance to the full extent.
- 3. The information which we collected or you have provided at the time of filling up your application form, will remain available in the software till repayment of any running loan. We don't upload your contact list to our servers in case your loan is not sanctioned or not disbursed.
4. Storage of customer data-Log File Information stored mechanically:
If you visit into our website just to browse, examine pages or download
statistics / information, certain facts concerning your visit is routinely
stored on our system. These facts cannot and does not identify you.
The kind of data that is accrued automatically consists of without limitations:
- a. The type of browser you are using (e.g. Crome, Internet Explorer, Firefox,Opera etc.),
- b. The type of Operating System you're the usage of (Windows, Linux, Android or Mac, IOS etc) and
- c. Internet Service Provider's domain name, the date and time of your visit and the pages on our website.
To improve our website(s) layout, and content material frequently to present you a better surfing revel, we from time to time use this information.
- 1. This Policy is not intended to and does no longer create any contractual or other legal rights in favor of any user or viewer of www.atdfinance.in or on behalf of any other party.
- 2. The entire data shall be stored in systems located only in India.
- 3. The data should include end-to-end transaction details and information pertaining to repayment transaction that is gathered / transmitted / processed as part of a repayment message / instruction and others related to the journey from download a loan application and its repayment (if disbursed)
4. Restrictions on the use of data-
On our website online we acquire, maintain, and use information about you handiest while we reasonably accept as true with that it's going to help administer our business or provide products, services, and other possibilities to you. Such information is collected for certain business functions, together with:
- 1. To provide you with the services that might be required with the aid of you,
- 2. To undertake studies and analytics for providing or improving our services,
- 3. To inform you with any updates/changes to the product & services and its terms and conditions,
- 4. To take up any complaints/claims/disputes and investigatation
- 5. To understand your queries and to reply you and feedback submitted by you, Page 9 of 11
- 6. for verification of your identity and other parameters as per the guideline of the company's product policy ,
- 7. To comply with the requirements of applicable laws / regulations regulatory directives received by us.
- 1. RBI/Other Govt officials/ Registrar and transfer Agents / Collecting Agency / KYC Registration Agencies (KRAs) / Credit Bureau and other such agencies, solely for the purpose of processing your loan application requests and ts credit risk assessment for serving you better,
- 2. Any judicial or regulatory body (RBI),
- 3. Other third party service providers (LSP)
- 4. Another entity to carry out any re-organization, amalgamation, restructuring of business or for any other reason whatsoever,
- 5. Auditors,
Without your consent, We shall not publish the sensitive personal data or information or disclose it further, for any purpose other than stated above.
5. Data Destruction Protocol-Disposal of Personal Information-
We shall destroy Personal Information in our possession, when it is concluded that such information is no longer needed and the ATD Finance is not under a legal obligation to retain the information anymore. Due precaution shall be taken prior to destruction of such information.
Modifications to the Personal Information
- 1-ATD Finance shall ensure that the Customers has been informed that the we shall not be responsible for the authenticity of the personal information or sensitive personal data or information supplied by the provider of information to us or any other person acting on our's' behalf. Before collecting Personal Information, ATD Finance shall ensure that the Customer is duly informed that it is purely in their interest to provide current, accurate, complete and valid Personal Information.
- 2-Copy of Customer's Information shall make available on customer's request as the customer is entitled to correct any inaccuracies in his information available with us. Customers may review their Personal Information on the tools. In case any changes are required in the information provided by the customer or we have collected the same while processing of the oan application ATD Finance shall facilitate customers to make those changes, and required supporting documentation is to be obtained for records.
6. Standards for handling security breach-
- 1. ATD Finance uses the required safeguards to maintain and protect the security of your personal information. which include internal reviews of our data collection, its storage and processing practices and its security measures, such as appropriate encryption and required security measures to guard the unauthorized access to stored data.
- 2. All information gathered on stated internet site is securely stored in the ATD Finance controlled database. The database is saved on secured servers; access to that is password-included and is strictly restrained.
- 3. we request a unique password to verify the identity before granting
you access to your account to protect your privacy and security and
Page 11 of 11 its your all time responsibility to maintaining the secrecy of your secret password and its account related other information, controlling access to your email communications from us.
- 4. Although we use security features to help defend your personal information towards misuse , unauthorized disclosure, alteration etc., as is the case with all laptop /computer / Cell phone / Tablet etc. networks linked to the internet, ATD Finance can't, but, make sure or guarantee the security of any data you transmit to ATD Finance and you do this at your own risk. Once we receive your transmission of statistics, ATD Finance makes commercially affordable efforts to make certain the safety of such records.
- 5. Protection under Whistle Blower Policy takes place as If any of our Employee, Agent, Service Provider, Authorized Agent, etc, observes and inform us that the Personal Information of a Customer is being disclosed, we keep encouraging such activity and the person in pursuant to the Whistle Blower Policy .
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