Personal Information. We collect Personal Information that you provide to us, such as your name, mailing address, phone number, email address, credit card number, pan number, tan number, income tax returns, bank account number, passport details, driving license details, personal statements, reasons for seeking finance, income sources and financial information.
Non-Personal Information. We also collect non-personal information from you, such as your browser type, the URL of the previous website / Android app you visited, your ISP, operating system, and your Internet protocol (IP) Address ("Non-Personal Information"). Non-Personal Information cannot be easily used to personally identify you.
Providing Information to Us. We collect Personal Information from you when you provide it to us. For example, if you purchase a product or services, or make an application for seeking a grant of loan from a borrower, we may collect your name, mailing address, telephone number, credit card number, pan number, tan number, income tax returns, bank account number, passport details, driving license details, personal statements, reasons for seeking finance, income sources and email address. If you create a Borrower Account, we may collect your name, tax identification number, mailing address, email address, credit card number, pan number, tan number, income tax returns, bank account number, passport details, driving license details, personal statements, reasons for seeking finance, income sources and other information that we request during the registration process, and any information that you provide on your Capzest. If you sign up to receive a newsletter, we will collect your email address.
Communications With Us. If you communicate with us regarding the Website / Android app or the Capzest Services, we will collect any information that you provide to us in any such communication.
Analytic and Reporting Technologies. Like the operators of most website / Android apps, we use analytic and reporting technologies to record Non-Personal Information such as Internet domain and host names, Internet protocol (IP) addresses, browser software, operating system types, clickstream patterns, and the dates and times that the Website / Android app and the Capzest Services are accessed. We also contract with several online partners to help manage, monitor and optimize our Website / Android app and the Capzest Services and to help us measure the effectiveness of our advertising, communications and how visitors use the Website / Android app. To do this, we may use web beacons and cookies.
Personal Information. We use Personal Information primarily for our own internal purposes, such as providing, maintaining, evaluating, and improving the Capzest and the Website / Android app, fulfilling requests for information, producing and shipping the products that you order, and providing customer support. Your personal information shall also be shared with the other members of this website / Android app. Upon acceptance of these terms and conditions, You hereby grant an unequivocal and absolute consent to share your personal information with third parties. Capzest is not required to seek your consent once again in respect of sharing your personal information with third parties. We would further share your information with marketing agencies and other businesses if we in our sole discretion understand that your information may be used to market a product or service. The term Personal Information shall include your name, address, e-mail id and mobile phone number but it shall not include any data in relation to your passwords, code numbers, CVV numbers, encryptions, cookies and other such electronic details.
Non-Personal Information. We use Non-Personal Information to track the use of the Website / Android app and the Capzest Services and for other internal purposes, such as providing, maintaining, evaluating, and improving the Capzest Services and the Website / Android app.
Disclosure to Successors. We may disclose your Personal Information to any successor-in-interest of ours, such as a company that acquires us. In the event Capzest goes through a business transition, such as a merger or acquisition by or with another company, or sale of all or a portion of our assets, your Personal Information will likely be among the assets transferred. You will be notified via email or by a notice on our Website / Android app of any such change in ownership or control of your Personal Information.
Disclosure to Unaffiliated Third Parties. We shall keep your personal information private and confidential. We may disclose your Personal Information to prevent an emergency, to prevent harm to others, to respond to legal requirements, to protect or enforce our rights and policies, to protect or enforce the rights of a third party, or as required or permitted by law (including, without limitation, to comply with a summon or court order).
Disclosure to Third Party Service Providers and Online Partners. We may contract with various third parties who help us provide, maintain and improve the Website / Android app and the Capzest Services. For example, we use a third party to process payments made to us, and may subcontract out production, fulfillment, analytics, reporting or other operations. We also contract with several online partners to help manage, monitor and optimize our Website / Android app and the Capzest Services and to help us measure the effectiveness of our advertising, communications and how visitors use the Website / Android app. We will use commercially reasonable efforts to prevent such third parties from disclosing your Personal Information, except for the purpose of providing the services in question. We cannot guarantee that such third parties will not disclose your Personal Information. In no circumstances, Capzest shall disclose data in relation to your passwords, code numbers, expiry dates relationship numbers, CVV numbers, encryptions, cookies and other such electronic details.
Disclosure of Non-Personal Information. We will disclose Non-Personal Information, in aggregate form, to potential strategic partners, advertisers, investors, customers, and others. You may not opt-out of the sharing of this information. However, it cannot be easily used to identify you personally.
Internet Advertising. We may use third party service providers to serve ads on our behalf across the Internet and sometimes on the Website / Android app. They may collect anonymous information about your visits to our Website / Android app, and your interaction with our products and services. They may also use information about your visits to this and other website / Android apps to target advertisements for goods and services. This anonymous information is collected through the use of a web beacon, which is industry standard technology used by most major website / Android apps.
Disclosure to Credit Rating Agencies & Reserve Bank of India To make an improvement in its business Capzest may in share the personal information of a user with a Credit Rating Agencies and the information shall be shared with Credit Rating Agencies in the event, Reserve Bank of India issues guidelines or direction in this regard.
A web beacon is an often-transparent graphic image, usually no larger than a 1x1 pixel that is placed on a web page or in an e-mail that is used to monitor the behavior of the user visiting the Website / Android app or receiving the e-mail.
Personal Information. Whenever we obtain your Personal Information, we use commercially reasonable efforts to protect it from unauthorized access or disclosure. However, we are not insurers of the security of your Personal Information. Accordingly, we assume no liability for any disclosure of data due to errors in transmission, unauthorized third party access or other acts of third parties, or acts or omissions beyond our reasonable control.
Website / Android app Content. The content that you store, post, or transmit on or through the Website / Android app, such as message board postings, storefront pages, and images on your Products, may be accessed by other users, including people that you do not know. We are not responsible for the actions of others. Therefore, you should use care in communicating with other users and only disclose your Personal Information to other users that you know to be trustworthy. You should not assume that your content will be kept private.