Privacy Policy

This Privacy Policy of Integro Finserv Private Limited (hereinafter referred to as “Integro Finserv”, “we”, “our” or “us”), is a legally binding document between you and Integro Finserv. The terms of this Privacy Policy will be effective upon your acceptance of the same. This Privacy Policy does not require any separate physical, electronic or digital signature.

When you use, download and access the Integro Finserv application, you are consenting to the collection, transfer, storage, disclosure and other uses of your information and data as per the terms of this Privacy Policy.

This Privacy Policy specifies the terms related to the management and handling of personal information of users (hereinafter referred to as “the Users”) using the services of the Integro Finserv platform.

This Privacy Policy explains why we require personal information and how we collect, use, disclose and secure your personal information and other data that we gather when you use our Services.

By accessing or using the website, www.integrofinserv.com (“Website”) or, you signify that you have read, understood and explicitly agreed to be bound by this Privacy Policy. We reserve the right to update or modify this Privacy Policy at any time without prior notice. Therefore, we encourage you to review this Policy each time you access our Services. We will have link to this Privacy Policy, promptly available, on Integro Finserv website that can be accessed by Users.

We shall, at all times, comply with all applicable data privacy and laws relating to security of the customer’s personal information. We shall also comply with various technology standards/ requirements on cybersecurity stipulated by RBI and other agencies, or as may be specified from time to time. The following terms and definitions have been set out in this Privacy Policy:

“Integro Finserv”, “We”, “Us”, and “Our” means Integro Finserv Private Limited which owns and operates the Website, www.Integro Finserv.com (“Website”)

“You” and “Your” means a user of the website and the products and services provided via the website.

“Services” includes lending and any other related services by us via our Website. Collection of user Information:

To create an account on Integro Finserv, you must furnish certain information and details as part of our customer identification process. Your agreement to our User Terms and Conditions and this Privacy Policy governs how we treat your information. During the use of our Services, Website, we may collect information about you from you and from third parties. While some information has to be mandatorily provided, others are optional. Certain portions of the information provided will remain private and you explicitly consent that such information may be shared with associated third parties.

Information collected

All information you provide to us is voluntary. This information includes but is not limited to the following functionalities (Facilities):

Upon registration:

Information about you when you register or when you use our Website.

During the journey: Information is collected from you, in order to help Integro Finserv with customer verification and diligence required for Integro Finserv and partners etc.

Credit related Information: it is collected from credit bureaus and customer service providers etc.

Personal and financial information: including your name, email address, contact number, gender, date of birth, address, occupation and employment information, income, pay slips, academic qualification, PAN number, Driving License number, Aadhaar number, bank statements, etc.

Information about your transaction history like spend data.

Personal information such as SMS, location data, etc. is taken only for the purpose of storing and monitoring such information on our secured server in order to verify and analyse your financial position, credits/debits, income, credit risks and spending pattern etc.

Direct Information: provided by you, when you write directly to us (including by e-mail) or when you connect with us over telephone etc.

Any other information that Integro Finserv is required to collect as per specific mandate from any bank or as a requirement under applicable law.

Permissions given by you through android or iPhone operating system or other operating systems based on your informed consent inter alia for access to camera (one-time access), read-only access to phone state, including the current cellular network information, the status of any ongoing calls, user SMS data, data in external storage like the image for selfie storage, data from external storage, and other permission as may be specifically sought.

You permit us to access your details which are present in the UIDAI system/platform while conducting our KYC checks.

By registering with Integro Finserv or beginning an application on the Website for any product or service, you are consenting to be contacted by us through written notices, email messages, text messages, WhatsApp, Telegram or telephone, and, in connection with any such telephone calls, you consent to the use of pre-recorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your Integro Finserv account, including mobile telephone numbers we have for you in our records or from other public and nonpublic databases we may lawfully access. You understand that anyone with access to your telephone or email account may listen to or read the messages Integro Finserv leaves or sends you, and you agree that Integro Finserv will have no liability for anyone accessing such messages. You expressly authorize Integro Finserv to monitor and record your calls with Integro Finserv. You agree that Integro Finserv may contact you using the information you provided with information and offers of services available through Integro Finserv website

Use of the website is available only to persons who can form legally binding contracts under applicable law.

The information we collect will depend on the products and services we offer, on an ongoing basis. The information that we request from you is required to deliver all of these services effectively. We shall ensure that no biometric data is stored/ collected in our systems, unless allowed under extant statutory guidelines.

You understand that Integro Finserv may use certain information of yours, which has been designated as ‘sensitive personal data or information’ under the IT Rules for the purpose of providing you with the Services and for sharing the information with affiliates who are subject to this Privacy Policy, as explained below.

Third-party sharing of your information

We at Integro Finserv believe in protecting your information to all extent and therefore do not disclose or share your information with any third party, until it is important for us in order to provide you with desired services. You further agree that such disclosure, sharing and transfer of your data or information shall not cause any wrongful loss to you or to any third party, or any wrongful gain to us or to any third party.

You hereby unconditionally agree and permit that except as otherwise provided under this Privacy Policy, Integro Finserv will disclose your Personal Information to third parties only in the following limited circumstances:

We may transfer, share, disclose or part with all or any of your Information to various third-party service providers / partners / banks and financial institutions for one or more of the purposes or as may be required by applicable law. In such case we will contractually oblige the receiving parties of the information to ensure the same level of data protection that is adhered to by Integro Finserv under applicable law. We shall ensure that all data is stored only in servers located within India, while ensuring compliance with statutory obligations/ regulatory instructions.

If you use the Service through the Integro Finserv, Integro Finserv may disclose your information to the associated third-party service providers to facilitate the Services offered herein.

We may also share the information with the government authorities or courts, pursuant to applicable laws and directives, for any investigation for offences in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of various terms and conditions or our policies and for non-payment of your loan.

When we have your consent to otherwise share the information.

Protecting your information

We have administrative, technical and physical safeguards designed to protect the security, confidentiality and integrity of your personal information. We store only basic minimal data (viz.,name, address, PAN and Aadhar Card, contact details of customer, etc.) that may be required to carry out its operations. The data may be stored on AWS cloud servers to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls, SSL data encryption and access authorization controls. In addition, your personal information resides on servers or in areas of facilities that only selected Integro Finserv personnel and contractors have access to.

We have a data destruction protocol, standards for handling security breach.

However, you understand and accept that there’s no guarantee that data transmission over the internet will be completely secure and that any information that you transmit to us is at your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorized third party access to our Website and databases or other acts of third parties, or acts or omissions beyond our reasonable control and you shall not be entitled to hold Integro Finserv responsible for any breach of security.

Your choices regarding your personal information

Personal information that is not collected on the Website or Mobile Application or in connection with the Service is not generally subject to this Privacy Policy. The Website may contain links to other websites which may collect personal information. For example, Integro Finserv may have relationships with various service providers whose services you might find useful and are available to you from the Website, from websites that are linked to the Website, or in connection with the Service. Those providers’ may require you to provide personal information to use their services. Unless expressly provided to the contrary, the privacy policy applicable to that website, and not this Privacy Policy will govern the collection, use, disclosure and security of your personal information.

You confirm and understand that we at our sole discretion may retain the Credit Line Application Form, the photographs, information, and documents submitted by you. This would include details regarding your age, occupation, income, name, address, contact details of the customer, etc.

Integro Finserv retains and preserves the records pertaining to the identification of the customers and their addresses obtained while opening the account and during the course of business relationship, for at least five years after the business relationship is ended. This is in line with the provisions of the RBI/DBR/2015-16/18 Master Direction DBR. AML.BC.No.81/14.01.001/2015-16 and Prevention of Money-Laundering Act, 2002 and the Prevention of Money-Laundering (Maintenance of Records) Rules, 2005.

You also confirm that we shall have all right to retain such documents for our internal records as per document retention policies adopted by us.

You have the option to give or deny consent for use of specific data, restrict disclosure to third parties, data retention, revoke consent already granted to collect personal data if you settle the Credit Line taken by you and there is no further outstanding due from you and you take specific approval of the regulatory authorities under the Prevention of Money-Laundering Act, 2002.

Use of information collected

The information will be used by us for the following:

To provide products you have requested;

To provide services you have requested;

To provide information to our partners to assist in making, credit decisions about you;

To help investigate violations of our terms of use or to defend against legal claims;

To disclose the information under special circumstances such as compliance with the applicable local law, court summons, court orders, requests/order from legal authorities or law enforcement agencies requiring such disclosure.

Search credit bureaus and fraud prevention agencies;

To get in touch with you when necessary and contact you by email, SMS, letter, telephone or in any other way about our products and services;

To identify, prevent, detect or tackle fraud, money laundering, terrorism and other crimes;

To form a view of you as an individual and to identify, develop or improve products, that may be of interest to you;

Provide information to independent external bodies such as governmental departments and agencies, universities and similar to carry out research;

Perform other administrative and operational purposes including the testing of systems;

Trace your whereabouts;

Recover any payments you owe to us or our partners;

Comply with our regulatory obligations;

To show you advertisements;

Contact you as a survey respondent;

To maintain records under applicable law or a may apply to pursuant to agreements executed by us;

Carry out, monitor and analyse our business, carry out market research, business, and statistical analysis and also direct our efforts for product improvement;

Carry out audits.

Contacting Integro Finserv

If you have questions or complaints regarding our Privacy Policy or if you believe that Integro Finserv has not complied with this Privacy Policy with respect to your personal information, please contact us at [email protected]. If you are reporting non-compliance with this Privacy Policy, in your e-mail or letter, please describe in as much detail as possible (but without disclosing any sensitive information about you or any third party the ways in which you believe that the Privacy Policy has not been complied with. We shall try our best to resolve your query or complaint within the stipulated period prescribed under law.