WhatsApp UsMAXEMO CAPITAL SERVICES PRIVATE LIMITED, a company incorporated under the provisions of the Companies Act, 2013, having its registered office at New Delhi, India ( “Company” , “we” , “us” , “our” ). The Company is engaged in the business of, inter alia, providing plug-in technology to enable facilitation of embedded finance/loans for businesses. This Privacy Policy governs how we and/or our affiliates process, use, collect, use, disclose, transfer, store, retain our Customer's (“you” and “your”) information when you avail and/or use services provided through our maxemocapital.com Website (“Website” , "Platform")
Our Privacy Policy is subject to change from time to time without notice and it is strongly recommended that you periodically review our Privacy Policy as available on the Platform. In case you need any clarifications regarding this Privacy Policy, please do not hesitate to contact us at customercare@maxemocapital.com
We ask, collect and/or store basic types of information from you in conjunction with your use of the Platform i.e. personal information, which is any information that exclusively identifies you and non-personal information, which is information that does not exclusively identify you but is related to you nonetheless such as, information about your interests, demographics and use of the sites.
We use this information to do internal research like demographics, interests, and behaviour to better understand, protect and serve the users of the Platform. This information is compiled and analysed on an aggregated basis, including but not limited to your computer browser information, your IP address, and other information associated with your interaction with the Platform.
We, on the Platform or otherwise, may gain one time access of the Personal Information provided by you through informed consent, including but not limited to your:
| Location | Collect and monitor information about the location of your device to provide serviceability of your loan application, reduce risks associated with your application and also provide customised offers |
| Personal Information | Your full name, a government issued identification, email address, mailing address, photograph, birth date etc. when you apply, use or sign-up Services. |
| Others | As may be explicitly required & requested from time to time. |
We also receive and collect information from third parties and/or other sources including but not limited to:
| Background Check, Credit Compliance and Fraud detection | On account of our verification process and fraud detection process we may collect information (subject to applicable laws) such as information from various banks and/or financial institutions and other information available publicly. |
When you use our Platform, we collect and store your information (personal information) which is provided by you from time to time by explicitly seeking permissions from YOU to get the required information. Our primary goal in doing so is to provide you a safe, efficient, smooth and customised experience and services. This allows us to provide services and features that meet your needs, and to customise our Platform to make your experience safer and easier and to improve the services provided by us. More importantly, we collect personal information from you that we consider necessary for achieving the aforementioned purpose.
To the extent possible, we provide you the option of not divulging any specific information that you wish for us not to collect, store or use. You may also choose not to use a particular service or feature of the Platform, and opt out of any non-essential communications from the Company. Depending on the activity, some of the information we ask you to provide is identified as mandatory and some is identified as voluntary. If you do not provide the mandatory information for a particular activity that requires it, you will not be permitted to engage in that activity.
We only collect and use such information from you that we consider necessary for achieving a seamless, efficient and safe experience, customised to your needs and use the personal information to provide products to you, enhance the operation of the Platform, improve our marketing and promotional efforts, analyse Platform use, improve our product offerings, to personalise your experience and to provide you a better experience.
Where possible, we indicate the mandatory and the optional fields. You always have the option to not provide your personal information by choosing not to use a particular service or feature on the Platform. We also collect other identifiable information (your payment card details and transaction histories on the Platform) from you when you set up a free account with us as further detailed below. While you can browse some sections of our Platform without being a registered member as mentioned above, certain activities (such as availing of loans from the third party lenders on the Platform) requires registration and for you to provide the above details. The Platform shall clearly display the personal information it is collecting from you, and you have the option to not provide such personal information. However, this will limit the services provided to you on the Platform.
Further, we may share your personal information with other corporate entities and affiliates to facilitate transactions. Your personal information may be shared or our affiliates with a third party business entity in case of any proposed merger, acquisition or re-organization, amalgamation, restructuring of business, including but not limited to Credit bureaus financial institutions, body corporates etc. Should such a transaction occur that another business entity (or the new combined entity) will be required to follow this Privacy Policy with respect to your personal information.
Non-personally identifiable information is information that does not identify a specific end user. This type of information may include things like the URL of the website you visited before coming to our Website, the URL of the website you visit after leaving our Platform, the type of browser you are using, preferences on the Platform and your Internet Protocol address etc. Such information may be used by us to analyse trends and gather demographic information etc. Where any service requested by you involves a third party, such information as is reasonably necessary by the Company to carry out your service request may be shared with such third party. We may also engage with other companies/ persons to perform functions such as order fulfilment, delivering packages, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and providing customer service. They have access to personal information needed to perform their functions.
Where possible, you shall have the option to restrict disclosure to third parties. However, where sharing of information to a particular third party is necessary for providing the services, you shall not be able to avail such services in case you decide to restrict such disclosure.
We also do use your contact information to send you offers based on your interests and prior activity. The Company may also use contact information internally to direct its efforts for product improvement, to contact you as a survey respondent, to notify you if you win any contest; and to send you promotional materials from its contest sponsors or advertisers.
Further, upon registering on the Platform, you may from time to time choose to provide payment related financial information. We are committed to keeping all such sensitive data/information safe at all times and ensure that such data/information is only transacted over secure sites of approved payment gateways which are digitally encrypted, and provide the highest possible degree of care available under the technology presently in use.
The Company will not use your financial information for any purpose other than to complete a transaction with you.
We have reasonable security measures, including as mentioned in Information Technology Act, 2000 in place to protect the loss or misuse of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. However, transacting over the internet has inherent risks which can only be avoided when you follow security practices yourself, such as not revealing account/login related information to any other person and informing our customer care team about any suspicious activity or where your account has/may have been compromised.
If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities on the Platform, we may collect such information into a file specific to you.
We do not retain any information collected for any longer than is reasonably considered necessary by us, or such period as may be required by applicable laws. The Company may be required to disclose any information that is lawfully sought from it by a judicial or other competent body pursuant to applicable laws.
We will keep your information as long as you have availed any of the products and/or services through the Platform.
We require the storage information permission that allows the Platform to enable you to upload photos and/or documents to complete the application form during your loan application journey.
The Platform may contain links to third party websites that may collect personally identifiable information about you. We are not responsible for the privacy practices of such websites which we do not manage and control.
Our Platform may have a link to a registered third party SDK which collects data on our behalf and data is stored to a secured server to perform a credit risk assessment. We ensure that our third party service provider takes extensive security measures in order to protect your personal information against loss, misuse or alteration of the data.
Our third-party service provider employs separation of environments and segregation of duties and have strict role-based access control on a documented, authorized, need-to-use basis. The stored data is protected and stored by Platform-level encryption. They enforce key management services to limit access to data.
Furthermore, our registered third party service provider provides hosting security – they use industry-leading anti-virus, anti-malware, intrusion prevention systems, intrusion detection systems, file integrity monitoring, and platform control solutions.
The Platform intends to protect your personal information and to maintain its accuracy as confirmed by you. We implement reasonable physical, administrative and technical safeguards to help us protect your personal information from unauthorized access, use and disclosure. For example, we encrypt all sensitive personal information when we transmit such information over the internet. We also require that our registered third party service providers protect such information from unauthorized access, use and disclosure.
Our Platform has stringent security measures in place to protect the loss, misuse and alteration of information under control. We endeavour to safeguard and ensure the security of the information provided by you. We use Secure Sockets Layers (SSL) based encryption, for the transmission of the information, which is currently the required level of encryption in India as per the law.
We blend security at multiple steps within our products with the state of the art technology to ensure our systems maintain strong security measures and the overall data and privacy security design allow us to defend our systems ranging from low hanging issue up to sophisticated attacks.
Please note that we will not ask you to share any sensitive data or information such as login, passwords, OTPs etc. and other sensitive personal information via email/telephone/SMS/link. Please do not share such information with any person.
By using the Platform and/ or by providing your information, you consent to the collection, storage and use of the information you disclose on the Platform in accordance with this Privacy Policy, including but not limited to your consent for collecting, using, sharing and disclosing your information as per this Privacy Policy.
If we decide to change our Privacy Policy, we will post those changes on our website maxemocapital.com so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.
To protect against the loss, misuse and alteration of the information under its control, the Company has in place appropriate physical, electronic and managerial procedures. For example, the Company servers are accessible only to authorized personnel and your information is shared with employees and authorized personnel on a need to know basis to complete the transaction and to provide the services requested by you. Although the Company endeavours to safeguard the confidentiality of your personally identifiable information, transmissions made by means of the Internet cannot be made absolutely secure. By using the Platform, you agree that the Company will have no liability for disclosure of your information due to errors in transmission and/or unauthorized acts of third parties.
Please note that we will not ask you to share any sensitive data or information via email or telephone. If you receive any such request by email or telephone, please do not respond/divulge any sensitive data or information and forward the information relating to the same to customercare@maxemocapital.com for necessary action.
If you wish to correct or update any information you have provided, you may do so online, on the Platform itself. Alternatively, you may contact the Company to correct or update such information by sending an e-mail to: customercare@maxemocapital.com In the event of loss of access to the Platform, you may contact the Company by sending an e-mail to: customercare@maxemocapital.com
In the event you wish to report a breach of the Privacy Policy, you may contact the designated Grievance Officer of the Company at:
Name: Pankaj Kumar Address: 1102-A, 11th floor, d-mall, Netaji Subhash Place, Pitampura, Delhi -110034Phone: +91 78272 18200Email: nodalofficer@maxemocapital.com [10:00 AM to 7:00 PM, Monday to Saturday, except Public Holidays]
This Privacy Policy will be governed by and construed in accordance with the laws of India and subjected to the exclusive jurisdiction of courts of New Delhi.
Maxemo Capital Services Pvt. Ltd. is a Private Limited Company under the Companies Act, 2013, with the aim to do Non-banking financial activities by way of the grant of loans under type-II (NBFC-ND).
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