The Ashv Finance application is owned and operated by Jain Sons Finlease Limited (hereinafter referred to as the “Company”), a Company incorporated under the Companies Act, 1956, having its registered office at 12B, 3rd Floor, Techniplex II, IT Park, Off. Veer Savarkar Flyover, Goregaon (West), Mumbai, Maharashtra 400062. The Company is a Non-Banking Financial Company registered with Reserve Bank of India, providing the customized debt financing to small and medium enterprises. We are committed to protect and respect all the privacy policies of our users.
In the course of using this mobile application or availing the products and services via the online application forms and questionnaires, the Company and its affiliates may become privy to the personal information of its Users, including information that is of a confidential nature.
The Company is strongly committed to protect the privacy of its users and has taken all necessary and reasonable measures to protect the confidentiality of the user information and its transmission through the World Wide Web. In order to maintain confidentiality of your data, we maintain the following privacy principles including but not limited to the following:
Information required to gauge your financial abilities and to conduct our business apart from relevant personal information is collected by the Company
To help you with better customer services and products, your personal information is used by the Company
Your personal information may be passed on to our affiliates or any agent or third -party service provider on need to know basis, unless prohibited by laws and regulations.
Your personal information will not be disclosed to any third party. Unless the Company deemed it necessary for providing you the required products and services without your consent or are required by laws and regulations.
The Company may disclose your personal information, if required by any regulatory agencies, but it will only be done under proper authority.
The Company maintains stringent security systems that are designed to prevent unauthorized access to your personal information by anyone, including our staff.
COLLECTION OF INFORMATION
The Company collects your personal information when you give this to us during the use of our mobile application. This information is collected in the course of registration and/or while you fill out an application and / or through Business Associates for any of our listed products for and/or using our services. The Company collects and process such information from the users, including but not limited to the below mentioned:
Information that users provides by filling forms, such as name, email address, mailing address, telephone number, Aadhar Card details, Pan Card number, sales tax details, service tax details, bank account details, business financials, passport number, driving license number, purpose of loan, sources of your income and family income.
Information relating to income and expenses obtained through bank SMS scraping and through integration with such service providers, credit related information that is collected from other sources like the credit bureau.
Information that user automatically shares with us each time they access Company’s webpage and also information collected through Facebook, Twitter, LinkedIn or other social media accounts of the users which have been linked to the account on the mobile application
Information that users provide to the Company by completing surveys.
Information that you provide through email, over telephone, any other information that the Company is required to collect as per specific mandate from any bank or as a requirement under applicable law and other relevant financial information.
Financial Transactional SMS
The Company also collects Non-personal information, such as:
Information relating to your browser type, information about the pages viewed on the mobile application, how you navigate through it and interact with web pages etc.,
Information relating to your ISP, operating system types, clickstream patterns, and your Internet protocol (IP) Address (“Non-Personal Information”).
The manufacturer and model of your mobile device (including storage, installed apps)
Your mobile operating system
The type of mobile internet browsers you are using
Information about how you interact with the Mobile Application and our web site to which the mobile application links
These non-personal information of yours cannot be easily used to personally identify you. We also have agreements with several online partners to help manage, monitor and optimize our mobile application and help us measure the effectiveness of our advertising, communications and how visitors use the mobile application. To achieve this, we may use web beacons and cookies. We may also carry out a site visit to collect & obtain information, and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media.
USE OF THE INFORMATION COLLECTED
We may use Information provided by you in the following ways.
To provide better credit facilities and to offer you services in the best possible manner
Manage our relationship with you, or get in touch with you to send communication, notification, information, or inform you about other product or services we offer
Monitor, improve and administer our mobile application
Analyze how the mobile application is used, diagnose service or technical problem and maintain security
Improve our business for us and our customer
Share this information with affiliates or any agent or third-party service provider on need to know basis
To identify, prevent, detect or tackle fraud, money laundering and other crimes
Comply with laws and regulation
Use this information in other ways permitted under the various applicable laws.
The Company guarantees that it does not sell your personal information to third parties. We will protect all aspects of user’s information by maintaining all the confidentiality for the same. Our company will make our services available for assessment and credit score calculation for market and product analysis.
The Company may disclose user information to several governments or any other statutory bodies. To access this information for any specific legal purpose, the bodies will have appropriate authorisation.
The Company will disclose user related information under strict code of confidentiality followed by the company.
User information may be disclosed to third parties such as Credit reference Companies, debt collection agencies and also who provides services like administrative, analytics, telecommunications, computer, payment or other services to the Company in connection with the operation of its business
The Company may share information to any other member of its related group. Also, to any person to whom the Company is under an obligation to make disclosure under the requirements of any law binding on the Company or any of its branches.
SECURITY OF INFORMATION
The Company processes and protects the personal information of the users using technical, physical and administrative security measures that reduces the risks of loss, unauthorized access, misuse, alteration and disclosure. Safeguards used to protect information are data encryption using SSL, firewalls and information access authorization controls. All the user information is encrypted at all times. If the user gives permission to see its banking information online, The Company will only use it on read-only basis. The Company uses commercially reasonable safeguards to preserve the integrity and security of the user information against loss, and theft.
With submitting information and agreeing to our terms & conditions, the user agrees to storing and/or processing any information. We also have the right to take all necessary steps to ensure that all information is stored securely.
Apart from the information collected by the Company, these policies do not apply to any other information. Any unsolicited information provided by the users through our mobile application or by any other medium, will not come under this policy. This includes, but not limited to, the public domain of the mobile application. All such types of information will be deemed as non-confidential and the Company will be free to use or disclose such information without any kind of limitation.
Our mobile application utilizes standard technology called “Cookies” and Web server logs that will collect information about the user's browser to serve the customer better. how our Mobile application is used. Cookies are small pieces of information that are stored by your browser on your device’s hard drive. It will help Web servers to understand browsing habits on this Mobile application; understand the number of visitors to this Mobile application and the pages visited; remember you when you return to this Mobile application so we can provide you with access to previously saved quotes. This information is collected on an aggregate basis. None of this information is associated with you as an individual.
All web browsers will allow you to have control on how and whether cookies will be accepted by your browser. Company understands and supports your right to block any unwanted Internet activity, especially that of unscrupulous mobile applications. If you choose to eliminate cookies, certain features on our mobile application may be disabled and may make it difficult for you to use certain services available on our Mobile application.
If the user wants to provide a few referrals to introduce the Company and/or its mobile application to any other person/ entity, the user will be asked to provide such person/ entity’s name and email address and phone number.The Company will send an email inviting such person to visit its mobile application. Company stores this information for the purpose of sending email and keeping a record of the number of persons / entities and may also send additional emails to the said person / entity related to services and promotion offered by the Company. Anyone who wants to be removed from the Company's database, can contact at firstname.lastname@example.org.
LINKS TO THIRD PARTY MOBILE APPLICATIONS
SOCIAL MEDIA WIDGETS
OPTING OUT OR EDITING CUSTOMER INFORMATION
Users have the option to ‘opt-out’ email correspondence, newsletters and other general e-mail marketing communications. The Company respects your privacy and if anyone chooses to not receive such mailers, it shall take all adequate steps to remove them from such lists. Users may contact us on email@example.com or write to us on our correspondence address, 12B,3rd Floor, Techniplex II IT Park, Off. Veer Savarkar Flyover,Goregaon (West), Mumbai - 400062, Maharashtra, India
Company may retain the user information as long as it is active or needed to provide services to the User. If the user wishes to cancel its account or requests that it is no longer used services, the User may contact the Company at firstname.lastname@example.org.
No representation has been made by the Company that the content contained on its mobile application is appropriate or to be used or accessed outside the Republic of India. If the Users want to use or access the mobile application from outside the Republic of India, they will do so at their own risk and are responsible for compliance with the laws of such jurisdiction.
Any questions or concerns should be addressed to: email@example.com
12B, 3rd Floor, Techniplex II IT Park,
Off. Veer Savarkar Flyover,
Mumbai - 400062, Maharashtra