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PRIVACY POLICY

EFFECTIVE DATE. 01 August 2024

We are Apistemology Technologies Pvt Ltd. (“Company”) with its principal place of business at Unit No-1 AT, Plot No-2, DDA Building Distt Centre, Nehru Place, New Delhi, 110019 (hereinafter collectively referred to as the “Company”). We own and operate https://fincheckers.com/ and its Mobile Application “FinXpert’ & FinCheckers’ (hereinafter referred to as the “FinXpert”, “FinCheckers”, “Website”, “We”, “Us”, or “Our “). FinXpert Platform is an internet-based platform to facilitate and render the requests of products, services, via financial experts/Agents/employees or simple intermediaries. “FinCheckers” & “FinXpert” the company by virtue of its scope limited to Technology platform isn’t involved in any type of financial advisory, selling of products or services. However to ease the journey, there are free and paid services enlisted on the technology platform which are easily available in market standalone as well as via multiple financial institutions. Purpose of the FinCheckers & FinXpert platform is limited to provide an easy accessible marketplace for ease of the end customer.  

To access and use the services of our Platform “you” or “User” or “Visitor” provide certain personal information and we take the protection of the privacy of your data very seriously. Therefore, we have created this Privacy Policy in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act, 2023). This Privacy Policy will help you understand what personal data we collect from you, how we use, store, and secure the data, whether we disclose it to third parties, and your privacy rights. We only use your information where we have a legal basis to do so.

We reserve the right to change, modify or amend, or remove the provisions of our Privacy Policy at any time and such changes will become effective immediately upon posting of a new policy on the website. Your continued use of our website and services constitutes your acceptance of this Privacy Policy and any updates thereto. This Privacy Policy is incorporated into and is subject to, our Terms and Conditions.

THE FINCHECKERS & FINXPERT PLATFORM IS A SELF USAGE PLATFORM AND IS AVAILABLE ONLY TO USERS WHO ARE 18 YEARS AND ABOVE. 

USER CONSENT 

We would like to collect your personal data to offer you our services, for future support, and also to enhance your Platform user experience with us. By clicking the “Agree & Proceed” and selecting the checkbox “By proceeding, you agree to FinChecker’s Terms and Conditions & Privacy Policy & Code of Conduct” you confirm that you are 18 years old and explicitly and without any undue influence consent to the collection and processing of your personal data to avail of the Services you opt for on our Platform and you consent to share your personal data for the communication of relevant information, announcement, notification, promotion, and marketing purposes. 

Please note that your consent would be valid for an indefinite period until and unless you provide an explicit withdrawal by choosing to “Opt out” via email communication on the below mentioned email address. You can withdraw your consent at any time, do check out our privacy policy. For all inquiries, requests, or concerns related to this agreement, the processing of personal data, or the exercise of rights, the User may contact the Data Protection Officer at the email address Compliance@FinCheckers.com

1.THE DATA WE COLLECT ABOUT YOU

This Privacy Policy covers our use of any information that can or could be used to identify you (“Personal Data”). We may collect and use the following Personal Data to provide the Services to you:

  • Device Permissions
1. INTERNET

Permission: Access to the internet is required.

  • Purpose: This permission allows the app to connect to the internet for features such as accessing online content, syncing data, and enabling communication between the app and our servers.
  • Use: We use this permission to deliver real-time updates, provide cloud-based services, and ensure the app functions correctly.
2. CAMERA

Permission: Access to your device’s camera.

  • Purpose: This permission allows the app to capture photos, videos, and scan codes for specific features.
  • Use: We use the camera to enable features such as profile picture uploads, in-app photography, and scanning QR codes. We do not access your camera without your explicit consent during use.
3. Write/Read EXTERNAL STORAGE

Permission: Access to read and write to external storage.

  • Purpose: This permission enables the app to save, access, and manage files stored on your device, such as photos, videos, and documents.
  • Use: We use this permission to allow you to save content generated by the app, download updates, and access files needed for app functionality. We do not access or alter any external files without your permission.
4. Access Location (Fine, Coarse, Background)

Permission: Access to your device’s location data.

  • Purpose: This permission allows the app to determine your location for location-based services, including navigation, location-specific content, and nearby services.
  • Use: We use your location data to provide relevant content and services based on your current location. We access your location with your consent and respect your preferences regarding background location use. Location data is used solely for the purposes intended and is not shared without your explicit consent.
  • Personal Identifiers – Name,Professional Summary, Certifications, specialisations, Institutions you work with, Services you offer, Product you sell and Mobile number. This data is voluntarily provided by you when you access our mobile platform. 
  • Chat Transcripts: While consuming our service of chat, we keep the record of chat for a period of 6 months for the purpose of compliance and dispute redressal. 
  • Information collected automatically – Each time you access our Platform to use its services, we automatically collect certain information about your device and your interaction with us. We use “cookies” and similar technologies to obtain and determine certain information when your browser accesses our website including, but not limited to, your viewing activity, IP address, location information, your browser type, your Internet service provider (ISP), referring/exit pages, device identifier, your operating system, date and time stamps, web beacons or pixel tags and related metadata.
  • Other Information – You may also choose to provide other information about yourself in connection with surveys, contests, special offers, customer support inquiries, and other communications with us.

2. HOW WE USE YOUR DATA?

Except as otherwise provided in this Privacy Policy, we will not provide any of your Personal Data to any third parties without your specific consent. We may use your information for any or all from below:

  1. Personal Identifiers for the purpose of showing your profile to end customers for accessing your profile, services, products you sell and chat with you. 
  2. to provide you with our Services;
  3. to improve our Services and to customise your experience with the Services;
  4. to maintain your account with us;
  5. for internal business purposes;
  6. any purposes provided for in our Terms;
  7. to provide technical and customer support to you;
  8. to offer new or additional features for our Services;
  9. For marketing and promotional purposes under applicable laws. For example, we use your information, such as your email address, to send you news and newsletters, special offers and promotions, or to otherwise contact you about products, services, workout sessions, or other information we think may interest you. However, no such communication shall be deemed to violate TRAI’S Telecom Commercial Communication Client Preference Regulation, 2018, relating to unsolicited commercial communication.
  10. Analysing our Business – we will use your Personal Data (including by anonymizing and aggregating it with other data) for sales, supply chain, anti-fraud, and financial analysis purposes, to determine how we are performing and where improvements can be made and where necessary for financial reporting purposes. This is necessary for our legitimate interests in understanding how our business is performing and considering how to improve our business performance.
  11. Where we believe it necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud or error, situations involving potential threats to the safety of any person, or violations of our Terms of Use or this Privacy Policy.
  12. For other purposes we may inform you from time to time.

3. DISCLOSURE TO THIRD PARTIES

We will not share any Personal Data that we have collected from or regarding you except to:

(i) Authorised Service Providers – like SMS gateway service providers, email service providers, WhatsApp service Providers, Customer support providers, Marketing services providers, and analytics companies.

(ii) Legal Process – We may disclose your information when we have a good faith belief that compliance is required by a search warrant, subpoena, court order, or similar request from a law enforcement or other government agency.

FinXpert does not ask for your financial information and shall not be responsible for any financial information provided to the Service Agents or any third party. We use a third-party payment processing partner/payment services provider (“Payment Processor”), Razorpay to bill you through your selected mode of payment. FinXpert will not be responsible for the disclosure of your personal information by the Service Agents, payment processor/partner to their respective third-parties or partners. 

4. COOKIES

  • Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and to provide features for using our services. We use cookies and local storage to monitor aggregate usage and web traffic of our Services, customise and improve our Services, help you navigate our Services, and deliver content specific to your interests.

 We use the following types of cookies:

  1. Strictly Necessary Cookies – These are cookies that are essential to enable you to use the Services, for example moving around our websites and using their features (e.g. cookies that enable you to log into the Services).
  2. Performance Cookies – These are cookies that collect information about how and when you and other visitors interact with our Services (e.g. pages viewed most often) and the information collected by these cookies is used to improve how our Services work.
  3. Functionality Cookies – These are cookies that allow our Services to remember choices you have made (such as your login information) and provide you with content and features that are customised to you. For example, providing you with relevant content by using a cookie to remember which region you are in.
  4. Advertising Cookies – These are cookies that are used to deliver adverts to you that are more relevant to you and your interests. We may also share this type of information with third parties for these purposes.
  • Disabling Cookies 

You may decline cookies that are not Strictly Necessary by clicking “Decline” in the cookie banner at the bottom of your screen. Additionally, although most browsers automatically accept cookies, you can change your browser options to stop automatically accepting cookies or to prompt you before accepting cookies. 

5. DATA RETENTION AND DELETION

We do not retain your personal data on the Company’s servers and database. The data, if any, provided by you, when submitting a marketing consent, will be deleted after two months at the latest upon request, otherwise, we will delete the history of our marketing communication with you after one year at the latest. You can raise a request at compliance@fincheckers.com, to delete the data. FinXpert does not ask for your financial information and shall not be responsible for the retention of data by the Service Agents, payment processor/partner or any third-party. 

6. YOUR RIGHTS UNDER THE DIGITAL PERSONAL DATA PROTECTION ACT, 2023

  1. Consent and withdrawal – Where you are requested to consent to the processing of your personal information, you have the right to withdraw your consent at any time.
  2. Access and Transparency – You have a right to know what personal information we collect, process, and share or sell. This policy is meant to provide transparency related to your data. If you have additional questions, you can email us at compliance@fincheckers.com. You can request a copy of the personal information we have collected about you from us.
  3. Accuracy & Rectification – If you find that any of the information that we are processing is inaccurate, you can contact us to have your information corrected. In response, we will cancel or remove your information but may retain and use copies of your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. For certain requests, we may require additional information.
  4. Notification – If you have exercised your right to rectification, erasure, or restriction of processing, we are obliged to notify each recipient to whom the personal data have been disclosed, of this rectification, erasure, or restriction of processing unless this proves impossible or involves disproportionate effort.
  5. Erasure and control – You can request us to erase/delete all the information we have collected about you. It is important to note that by exercising your right to deletion you may lose access to your account and any purchases, points, or features associated with it. If you wish to cancel your account or request that we no longer use some or all of your information to provide you services.
  6. Processing Limitations and Objections – You can object to our processing of your personal information via our privacy portal, under certain circumstances. By objecting to processing, you may not be able to access some or all of our services. This right is limited to personal data processed for commercial purposes. You have a right to object to the processing of your data for the purposes of automated decision-making about you.
  7. Data portability – You have the right to receive the personal data that you have provided to us in a structured, commonly used, and machine-readable format.
  8. Nominate – you have the right to nominate, in such manner as may be prescribed, any other individual, who will, in the event of your death or incapacity, exercise your rights in accordance with the provisions of the DPDP Act, 2023 Act and the rules made thereunder.
  9. Complaint – you have a right to file a complaint with the Data Protection Board of India as per Sec. 13 & 27 of DPDP Act, 2023. 

7. LINKS TO OTHER WEBSITES

Our Service contains links to other websites. If you choose to click on a third-party link, you will be directed to that third-party website. We do not exercise control over third-party websites. These other websites may place their own cookies or other files on your computer, collect data or solicit Personal Information from you. We encourage you to read the privacy policies or statements of the other websites you visit. 

8. GOVERNING LAW

Our Privacy Policy and any relationship between us and you in connection with your usage of our Website and Mobile App shall be governed by and construed in accordance with the laws of the Union of India and Digital Personal Data Protection Act, 2023, without regard to its conflict of law provisions.

9. DISPUTE RESOLUTION

In case of a dispute arising from any function/part of the App, or any clause stated in the Privacy Policy, it shall be resolved in the following manner: 

  • You will email the details of your dispute/complaint at the email address provided in the contact section, and we will attempt to resolve your claim within a period of 1 month from the date of receipt of your complaint/dispute notice. 
  • Your email must have the following particulars stated explicitly:
  • Your name 
  • Operational contact details (Email Address, Phone Number, Mailing Address, etc.)  
  • Details of the claim along with any measures you took on your own to correct the issue at hand and remedy or corrective measures you seek from us for your inconvenience. 
  1. If your complaint or dispute is not resolved pursuant to Provision (i) above, such dispute shall be referred to the Data Protection Board of India under section 27 of the DPDP Act, 2023. 
  2. If the Board is of the opinion that the complaint may be resolved by mediation, it may direct the parties concerned to attempt resolution of the dispute through such mediation by such mediator as the parties may mutually agree upon, or as provided for under any law for the time being in force in India.
  3. If you are aggrieved by an order or direction made by the Board as per Section 28 of the DPDP Act, 2023, you may prefer an appeal before the Appellate Tribunal within Sixty (60) days from the date of the receipt of the order or direction of the Board. The Appellate Tribunal may execute its own decree or transfer it to the Civil Court for the final execution of the Decree.

10. CHANGES TO THIS POLICY

This Privacy Policy is effective as of the date stated at the top of this page. We may update this Privacy Policy at any time and any changes will be effective upon posting. By accessing or using the Service, you are deemed to have accepted such changes. Please refer back to this Privacy Policy regularly.

11. CONTACT US.

For all inquiries, requests, or concerns related to this agreement, the processing of personal data, or the exercise of rights, you may contact our Data Protection Officer & Controller at compliance@fincheckers.com