1. Introduction

ADVITA CREDIT INFO Private Limited ("ADVITA", "us", "we", or "our") is committed to maintaining the confidentiality, integrity and security of any personal information of our users. This Privacy Policy ("Policy") applies to those who visit our website https://www.advitacredit.com("Website"), as well as users of our platform, tools and services offered by advitacrdit ("Service"). If you have questions or complaints regarding our privacy policy or practices, please contact us at customercare@advitacredit.com.
By visiting the Website and/or utilizing any Services offered by ADVITA CREDIT INFO Private Limited, you agree to and accept the our terms of use governing your use of the Website and/or utilizing any Services offered by ADVITA CREDIT, which may be amended from time to time by the us.

2. Definitions

In this Policy: (i) capitalised terms defined by inclusion in quotations and / or parenthesis have the meanings so ascribed; and (ii) the following terms shall have the following meanings assigned to them herein below:
"Applicable Law" includes all applicable Indian statutes, enactments, acts of the state legislature or parliament, laws, ordinances, rules, bye-laws, regulations, notifications, guidelines, directions, directives and orders of any governmental authority, statutory authority, board, recognised stock exchange, as may be applicable including but not limited to Guidelines on Managing Risks and Code of Conduct in Outsourcing of Financial Services by Banks, Business Correspondent Guidelines issued by RBI from time to time, Payment & Settlement Systems Act, 2007, Payment & Settlement Systems Regulations, 2008, Policy Guidelines on Issuance and operation of Pre-paid Payment Instruments in India, Aadhar act and any other guideline in relation to Pre-paid cards issued from time to time by Reserve Bank of India and in each case, any implementing regulation or interpretation issued thereunder including any successor Applicable Law; "Company" / "Us" / "We" / "Our" shall mean ADVITA CREDIT INFO PVT LTD, a private limited company registered under Companies Act, 2013 and having its registered office at A-303, SWAGAT ENCLAVE HOUSING SOCIETY, JAMBHULWADI ROAD,OPOOSITE GAWALI WADA, AMBEGAON KHURD, Haveli , Maharashtra. IN (which expression shall, unless it be repugnant to the context or meaning thereof, be deemed to mean and include its successors and permitted assigns);
"Advita Credit account/E-ledger" shall not mean the access account created by a User to avail Services on Website and/or Platform;
"Personal Information" shall mean any personally identifiable information provided to Us by a User for creation of a Advita Credit Account or availing Services through Website and/or Platform; "Services" shall mean the services provided by Company through its Platform;
"User" / "You" / "Your"; shall mean any natural or legal person who has access to and is using Platform; and "Website" / "Platform" shall mean shall mean and include https://www.advitacredit.com, mobile application of Company, any successor website/ applications, any website of Related Entity or any other channel facilitated and permitted by Company including but not limited to App, any other digital medium including phone, displays, emails, social media interfaces, messaging interfaces, e-ledger.

3. Information Collection and Use

a) We may collect Your Personal Information when you successfully submit information while creating Your Advita Credit Account on Platform ("User Information"). User Information is the data that can be used to uniquely identify or contact a person and/or the business entity that a person represents and shall include, but not be limited to, Your Information including Accounts/Contacts details, device Information, Camera & Media and your Location and such other information for the purposes of identification and verification.
b) Without prejudice to the generality of paragraph (a) above, We may request such additional User Information as may be required for accessing and availing any Services through Platform as may be specified in the terms and conditions of use of such Service.
c) By creating a Advita Account and by accessing Services, You authorize Us to collect, store, process, handle and use such User Information, in accordance with this Policy and any other terms and conditions of use of Platform and/or Services (as amended from time to time)
d) Personal Information provided by You is used by Us to improve Platform and/or Service. We do not share Your Personal Information with any third parties for commercial use or revenue generation.
e) We may share Personal Information such as your name, mobile number and email address with third party service providers appointed by us to for sending SMS / Email communications to you in relation to Platform and/or Services. We ensure that such third party service providers maintain strict confidentiality of Your Personal Information.
Advita Credit uses your personal information and sensitive personal information to create an account using your Google accounts available in your device, to allow and read only access to phone state including phone number and current cellular network information and camera/media access for capturing the snapshot of PAN and other documents, & location to verify address of your application d enhance the operation of this site and to allowing you to use all of its features and respond to your requests for information. We may contact you about new features or services in which we believe you may be interested.
We may disclose any information we deem necessary, at our sole discretion, to comply with any applicable law, regulation, legal process, or governmental request or we determine, in Our sole discretion that disclosure of User Information is necessary to identify, contact, or bring legal action against you.

4. Log Files

We may use IP addresses to analyse usage, administer our site, and gather demographic information for aggregate use.

5. Accuracy and Completeness of Information

a) You represent and warrant that You shall be responsible for accuracy and correctness of all User Information provided by You for creation of a Advita Account and for accessing any Services available on Platform.
b) For the purposes of internal verification and/or for compliance with Applicable Law including but not limited to e-KYC requirements, You may be required to submit such personal identification documents as may be required by Us from time to time. You shall remain solely responsible for accuracy and validity of all such personal identification documents.

6. Representations and Warranties

a) By creating a Advita Credit Account and accessing Services on Platform, You represent that You are at least the age of majority in Your state or province of residence.
b) You shall not, in the use of the Service, violate any Applicable Laws in Your jurisdiction and you shall take any legal action then you have to submit to only Yavtamal jurisdiction. (Terms & Condition Apply)
c) You also understands and acknowledge that the use of the Platform requires internet and/or mobile connectivity. You shall bear the costs incurred to access and use the Platform and We shall not, under any circumstances whatsoever, be responsible or liable for such costs.
d) You shall be solely responsible for all activities undertaken through Your Advita Credit Account,
Whether or not you have authorized such activities or actions and shall, at all time, keep us indemnified in this regard.
e) A breach or violation of any of this Policy will result in an immediate termination of Services and may result in reporting to the law enforcement agencies.
f) In addition to other prohibitions as set forth in the Terms of Use, You understand and agree that You are prohibited from using the Platform or its Content:
(i) for any unlawful purpose;
(ii) to solicit others to perform or participate in any unlawful acts;
(iii) to violate any international, federal, provincial or state regulations, rules, laws, or applicable ordinances;
(iv) to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
(v) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;
(vi) to submit false or misleading information;
(vii) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related Platform, other Platforms, or the internet;
(viii) to collect or track the personal information of others;
(ix) to spam, phish, pharm, pretext, spider, crawl, or scrape;
(x) for any obscene or immoral purpose; or
(xi) to interfere with or circumvent the security features of the Service or any related Platform, other Platforms, or the internet. We reserve the right to terminate your use of the Service or any related Platform for violating any of the prohibited uses.

7. Third Parties and Retention of Information

a) We may allow You to access certain Services provided by third-party service providers, which we neither monitor nor exercise any control over.
b) We may engage other companies and individuals to perform functions on our behalf & such third parties may be provided with the information described above.
c) You acknowledge and agree that we provide access to such third-party Services on an "as is basis" and "as available" without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of such third-party Services.
d) Any use by You of third-party Services offered through Platform is entirely at Your own risk and discretion and You should ensure that You are familiar with and approve of the terms on which third-party Services are provided by the relevant service provider(s).
e) We may also, in the future, offer new services and/or features through Platform (either by Us or by third-party service providers). Such new features and/or services shall also be subject to this Policy.

8. Intellectual Property & Indemnification

a) All copyright, database right and all other proprietary rights, title and interest in all information presented on Platform ("Intellectual Property") is owned by and/or licensed to Us or owned by and/or licensed to the provider of Services or is owned by and is or may be protected or covered by copyright, trade mark, intellectual property law and/or other proprietary rights, unless expressly stated otherwise.
b) Your use of Platform and/or Services does not confer on You or any other party, any licence or other rights under Intellectual Property or other proprietary rights of Company and/or provider of Services and/or of any third party, whether implied or otherwise.
c) You agree to indemnify, defend and hold harmless Us and Our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’€™ fees, made by any third-party due to or arising out of Your breach of this Policy or the documents they incorporate by reference (including terms and conditions of use of Platform and/or Services), or Your violation of any law or the rights of a third-party.

9. Protection of Your Information (Reasonable Security Practices) & Removal of Stored Information

a) To prevent any form of unlawful interception or misuse of User Information, We use reasonable physical, electronic and managerial procedures to safeguard and secure User Information collected. We use reasonable secure and technologically appropriate measures, in compliance with the Information Technology Act, 2000 and the rules related thereto to protect You against loss or misuse of Your User Information including internal reviews of data collection, storage and processing practices and other reasonable security measures which are equivalent to security measures that We use to protect Our own confidential information. However, as You are aware, no internet website or online platform is completely free of security risks and We do not make any representation in respect of the same.
b) We ensure that any User Information stored with Us is and remains to be in Your ownership. Upon deletion of Advita Credit Account, We will, to the reasonable extent possible, remove User Information stored with Us within 3 (three) months from the date of such deletion.
c) Notwithstanding the above, We reserve the right to retain such User Information that forms part of anonymized and aggregated data derived from User Information which may be used for improvement of our Platform and/or Services, to produce analytical reports, marketing, advertising or such other activities as We may deem fit.

10. Links

This Site may contain links to or from other websites. Please be aware that we are not responsible for the privacy practices of other websites. This Privacy Policy applies only to the information we collect on this site. We not encourage you to read the privacy policies of other websites you link to from our Site or otherwise visit.

11. Notification of Changes

We reserve the right to update, modify and amend any of the terms of this Policy, at any time without prior intimation to You. We will post these changes on Platform for Your information. These changes will become effective immediately on posting. We shall not be liable for any failure or negligence on Your part to review the updated Policy before accessing Platform and/or availing Services. Your continued use of the Platform, following changes to this Policy, will constitute your acceptance of those changes.

12. Comments and Grievances

We have taken great measures to ensure that your visit to our Site is a satisfying one and that your privacy is constantly respected. If you have any questions, comments, or concerns about our privacy practices, please contact our grievance officer through e-mail at customercare@advitacredit.com or call at +91 8080494923. The Grievance Officer shall redress your grievances expeditiously but within two months from the date of receipt of grievance.

13. Disclaimer

This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable. This electronic record is generated by a computer/electronic system and does not require any physical or digital signatures.