This Privacy Policy ("Policy") outlines Unicap Investments Private Limited ("Unicap Investments ", "We", "Us" or "Our") practices in relation to the storage, use, processing, and disclosure of personal data that You have chosen to share with Us when You access and use Our website , apply for or avail Our loan and financial services, or otherwise use the services made available by Us (collectively referred to as the "Platform" and the services provided through the Platform referred to as the "Services").
The Services We offer You on or through the Platform shall be as defined in the applicable terms and conditions of Unicap Investments Private Limited. Please read this Policy in consonance with such terms and conditions.
At Unicap Investments Private Limited, We are committed to protecting Your personal data and respecting Your privacy. Please read the following terms of the Policy carefully to understand Our practices regarding Your personal data and how We will treat it. This Policy sets out the basis on which any personal data We collect from You, We collect about You, or that You provide to Us, will be processed by Us.
By providing Us with consent to process Your personal data, where such consent is required under applicable law, You acknowledge that We will collect, store, use, and disclose Your personal data in accordance with this Policy.
We collect, transmit, and store personal data about You on Our secured systems after obtaining Your consent, where required, to provide You with, or in connection with, the Services. Please note that We only collect and process personal data that is necessary for providing You with the Services and complying with applicable legal and regulatory requirements. Such personal data includes:
This includes Your first and last name, parents' name, date of birth, gender, photographs, employment status, company name, contact information including addresses, email IDs and phone numbers, marital status, purpose of loan, income-related information and other information required for providing the Services.
This includes identification documents issued by the government or other authorities, and may include details of or pertaining to Your Aadhaar, PAN card, voter ID, driving licence, passport or other officially valid documents, as applicable.
This includes details of transactions that may occur through the Platform or in connection with the Services. For example, transaction data may include the services You have sought or availed through the Platform, loan applications, loan disbursal details, repayment details and confirmations of such services or transactions.
This includes Your past credit history, income details, details of loans issued or otherwise applied for through the Platform, payments, repayments, bank account details, bank account statements and other financial information required for processing and servicing Your loan application or loan account.
This includes Your IP addresses, browser types and versions, time zone settings, operating systems, device information and other technical information generated when You access or use the Platform.
We may collect information that You voluntarily provide to Us while communicating with Us, submitting an enquiry, raising a grievance, requesting customer support or otherwise interacting with Us.
We do not access Your mobile phone resources such as contact lists, call logs, telephony functions, files and media, microphone, camera, location or other device resources unless such access is specifically required for a legitimate purpose of the Services, is permitted under applicable law and, where required, is undertaken after obtaining Your appropriate consent.
We shall not collect or store biometric data through Our digital lending systems except where such collection is expressly permitted under applicable law.
We are required to collect certain personal data to provide You with access to the Platform and Services. In certain cases, We are required to collect personal data as required by law or regulatory requirements.
If You fail to provide such data as and when requested by Us, We may not be able to perform Our obligations under the arrangement We have with You or are trying to enter into with You, including processing or providing certain features of the Services.
In such cases, We may have to cancel or limit Your access to the Services or part thereof.
(1) We use different methods to collect and process personal data about You. This includes:
This is the information, including identity, contact, KYC, financial and other information, You provide to Us when You use Our Services or correspond with Us, for example, by email, telephone, through the Platform or other customer service channels.
It includes information You provide when You submit a loan application, use a Platform feature, provide documents or information through the Platform, or report a problem with the Platform and/or Our Services.
If You contact Us, We may keep a record of the information shared during the correspondence.
Each time You visit the Platform or use the Services, We may automatically collect personal data and technical information through tools such as cookies and similar technologies.
We may receive personal data about You from third parties and publicly available sources, including credit information companies, KYC/verification service providers, fraud prevention service providers, technology service providers and other authorised service providers, where permitted under applicable law.
Such information may be used for conducting verification and fraud checks, assessing loan applications, complying with regulatory requirements, improving the Services and providing suitable financial products.
(2) Please note that We do not have any control over personal data that You may choose to make publicly available. For example, if You post reviews, comments, or messages on public sections of the Platform or on an application store, You do so at Your own risk. We shall not be liable for third-party misuse of such data.
We will only use Your personal data in accordance with applicable law. Most commonly, We will use Your personal data to provide You with the Services, process and service Your loan, prevent fraud, or comply with a legal or regulatory obligation.
You agree and acknowledge that by using Our Services and submitting an application on the Platform, You authorise Us and Our authorised service providers, partners and Lending Service Providers, where applicable, to contact You via email, telephone, SMS, WhatsApp or other permitted communication channels in relation to the Services provided to You, including customer support, loan application processing, servicing, repayment-related communications, grievance resolution and other matters relating to Your relationship with Us.
In general, We use Your personal data for the following purposes and activities
(a) You agree and acknowledge that information pertaining to You, whether or not You directly provide it to Us through the Services or otherwise, including personal correspondence such as emails and instructions from You, may be collected, compiled and shared by Us with third parties where permitted or required under applicable law and, where required, after obtaining Your appropriate consent, solely for authorised purposes and to render the Services to You.
(b) You agree and acknowledge that by using Our Services and creating an account or submitting an application through the Platform, You authorise Our authorised associates, partners and service providers to contact You via email, telephone or other permitted communication channels to facilitate Your access to and use of the Services.
(c) You agree and acknowledge that We may share Your data where We are required by law, any court, government agency, regulator or other competent authority to disclose such information. Such disclosures may be made where We reasonably believe that such disclosure is necessary for enforcing this Policy or applicable terms and conditions, or for complying with applicable laws and regulations.
(a) You hereby warrant that all personal data that You provide Us with is accurate, up-to-date and true.
(b) When You use Our Services, We shall make reasonable efforts to provide You with the ability to review and correct inaccurate or deficient data, subject to applicable legal and regulatory requirements.
(c) We shall have the right to verify the accuracy of the personal data provided by You.
We implement appropriate security measures and access controls to protect Your personal data from unauthorised access, use, alteration, disclosure or destruction, and follow applicable technology and security standards prescribed under applicable law and regulatory requirements.
Such measures may include appropriate physical, electronic and organisational safeguards, including secure office areas, passwords, access controls, firewalls, encryption and secure development procedures.
Our security processes may be audited or reviewed by internal or third-party agencies from time to time, as appropriate.
In scenarios where personal information collection is mandatory, including information required for KYC, credit assessment, bureau reporting or loan application processing, We shall take appropriate security measures to protect the data during transmission and storage.
Information You and Unicap Investments Private Limited provide and receive during the Services shall be transmitted through appropriate secure communication mechanisms. We shall encrypt and store personal information wherever reasonably appropriate.
No data shall be shared with any third party unless such sharing is necessary for providing or supporting the Services, required by law or otherwise permitted under applicable law.
Where consent is required, appropriate consent shall be obtained.
We restrict access to Your personal information only to those employees, officers, agents and service providers who are required to know such information in order to provide Our Services to You or perform authorised functions.
We shall maintain appropriate confidentiality obligations and security awareness measures for personnel handling personal data.
We have internal processes and policies in place to tackle information security incidents. These processes enable appropriate personnel to detect, analyse, contain, eradicate and recover from information security incidents.
In the event of a security breach, We shall take appropriate and timely measures to mitigate risks to the data collected or stored and take such actions as may be required under applicable law.
Where required under applicable law, We shall notify affected individuals and competent authorities.
For information about Our retention and destruction practices, please refer to the Schedule to this Policy – Data Retention and Destruction Policy.
Subject to applicable law, You may have the right to:
This enables You to ask Us to delete or remove Your personal data, subject to applicable laws, regulatory requirements and the terms applicable to the Services You have availed through the Platform.
Where processing is based on consent, You may deny such consent. If You exercise this right, it may impact or restrict Our ability to provide certain Services to You.
Where processing is based on consent, You may withdraw consent previously provided to Us for specific purposes, subject to applicable law.
We shall comply with such request subject to applicable laws and the terms applicable to the Services You have availed through the Platform.
You may request Us to review and correct, update and/or amend Your information provided to Us previously so that it remains accurate, complete and up to date.
However, in a situation where You deny consent, withdraw consent, request deletion, or provide inaccurate information, You may not be able to avail the entire scope of Our Services. In such circumstances, We may not be able to provide You access to the Services or any part thereof.
Notwithstanding Your rights referred to above, We reserve the right to retain information to the extent required for:
Unicap Investments Private Limited and its authorised service providers may continue processing Your information for as long as necessary in relation to Your loan application, loan account, repayment obligations, regulatory requirements and other legitimate purposes
Where You have availed a loan from Unicap Investments Private Limited, We may retain Your information for the period required under applicable laws and regulatory requirements.
If You wish to exercise any of the rights set out above, please write to the Grievance Officer/Privacy Officer whose details are mentioned in Section 15 of this Policy, providing in as much detail as possible the right(s) You wish to exercise.
Please also include a description of the personal data You believe We hold or process about You, so that We may be able to locate such personal data.
In the event that We need additional information from You, Our Grievance Officer/Privacy Officer may contact You further.
We shall respond to Your request within the timeline prescribed under applicable law. Where We are unable to respond within the applicable timeline due to any reason, We shall communicate the same to You as required under applicable law.
You agree and acknowledge that in the event We go through a business transition, such as a merger, acquisition by another organisation, restructuring or sale of all or a portion of Our assets, Your personal data might be among the assets transferred, subject to applicable law and regulatory requirements.
You may contact Our Grievance Officer with any enquiry or grievance relating to this Policy or Your personal data.
Name: Rohit Shivmal Singh
Designation: Grievance Officer
Email Address: info.unicapinvestments@gmail.com
Phone: +91:9812135540
Unicap Investments Private Limited
Unit No. 201 to 218, Second Floor, KLJ Tower North, Netaji Subhash Place, Wazirpur, Delhi- 110034
Email Address: info.unicapinvestments@gmail.com
This Data Retention and Destruction Policy describes Unicap Investments Private Limited policy on data retention and destruction.