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Privacy & Security Policy

Effective Date: Effective from 16th July 2016 (updated as on May 23, 2018)

Luharia Technologies Private Limited ('AnyTimeLoan.in / ATL') values the users of our website (the "Website"). Your privacy and trust are very important to us. We recognize that you may be concerned about our collection, use, and disclosure of the personally identifiable information ("Personal Information") that we collect when you use the Website and the services offered on the Website ("AnyTimeLoan.in"). This Privacy Policy describes the information that we collect from you, how we collect this information, and what we do with it after we collect it. By using the Website you are accepting the practices described in this Privacy Policy. By using the Website you also give consent to the use of Your Personal Information by AnyTimeLoan.in in accordance with the terms set out in this Privacy Policy. If you have any questions or comments regarding this Privacy Policy, please contact us at grievance@AnyTimeLoan.in addressing to Mr Sami / you can reach Mr Sami on + 91 9121142222. If your complaint / dispute is not redressed within a period of one month, you may appeal to the Customer Education and Protection Department of Reserve Bank of India.

WHAT TYPES OF INFORMATION DOES ANYTIMELOAN.IN COLLECT FROM ME?

Sensitive Personal Data / Information:We collect Sensitive Personal Data / Information that you provide to us, such as your name, mailing address, phone number, email address, 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 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.

HOW AND WHEN DOES ANYTIMELOAN.IN COLLECT THIS INFORMATION?

Providing Information to Us: We collect Sensitive /Personal Data / 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 either a Lender Account or 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 AnyTimeLoan.in. 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 or AnyTimeLoan.in Services, we will collect any information that you provide to us in any such communication.

Analytic and Reporting Technologies: Like the operators of most websites, 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 and AnyTimeLoan.in services are accessed. We also contract with several online partners to help manage, monitor and optimize our Website and AnyTimeLoan.in services and to help us measure the effectiveness of our advertising, communications and how visitors use the Website. To do this, we may use web beacons and cookies.

HOW DOES ANYTIMELOAN.IN USE MY INFORMATION?

Personal Information: We use Personal Information primarily for our own internal purposes, such as providing, maintaining, evaluating, and improving the Website, fulfilling requests for information, and providing customer support. Your personal information shall also be shared with the other members of this website. Upon acceptance of these terms and conditions, you hereby grant an unequivocal and absolute consent to share your personal information (but not your Sensitive Personal Data / 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, you hereby grant an unequivocal and absolute consent to share the same. 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 financial status, income statements, earnings, source of earnings, personal identification numbers, passwords, code numbers, bank account numbers, credit card numbers, expiry dates relationship 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 and AnyTimeLoan.in Services and for other internal purposes, such as providing, maintaining, evaluating, and improving AnyTimeLoan.in Services and the Website.

If we choose to disclose your Personal Information to a third party in a manner that is not set forth in this Privacy Policy you will be notified so that you can make an informed choice about sharing your Personal Information with that third party.

WHEN WILL ANYTIMELOAN.IN DISCLOSE MY INFORMATION TO THIRD PARTIES?

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 AnyTimeLoan.in 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 of any such change in ownership or control of your Personal Information.

Disclosure to Unaffiliated Third Parties:We shall keep your personal information and Sensitive Personal Data / Information private and confidential. We may disclose your Personal Information and/or Sensitive Personal Data / Information to prevent an emergency, 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 and the AnyTimeLoan.in Services. For example, we use a third party to process payments made to us, and may subcontract production, fulfillment, analytics, reporting or other operations. We also contract with several online partners to help manage, monitor and optimize our Website and the AnyTimeLoan.in Services and to help us measure the effectiveness of our advertising, communications and how visitors use the Website. We will use commercially reasonable efforts to prevent such third parties from disclosing your Personal Information, except for the purpose of providing Services in question. We cannot guarantee that such third parties will not disclose your Personal Information. In no circumstances, AnyTimeLoan.in shall disclose data in relation to your financial status, income statements, earnings, source of earnings, personal identification numbers, passwords, code numbers, bank account numbers, credit card 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 opt-out of the sharing of this information by mailing the grievance redressal officer. 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. They may collect anonymous information about your visits to our Website, and your interaction with our products and services. They may also use information about your visits to this and other websites 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 websites.

Disclosure to Credit Rating Agencies & Reserve Bank of India:To make an improvement in its business AnyTimeLoan.in may share the personal information of a user with 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.

WHAT ABOUT COOKIES AND WEB BEACONS?

A cookie is a simple text file that is stored on your computer or mobile device by a website’s server and only that server will be able to retrieve or read the contents of that cookie. Every cookie is unique to your particular web browser. It will contain some anonymous information such as a unique identifier and the site name with some digits and numbers. It allows the website to remember your browsing behavior and show your relevant ads based on the browsing pattern.

To continually enhance your online experience, we use cookies that store your preferences and give us data about your browsing behavior, such as the pages you visited on the website, how much time you spent on the our site, etc. This information helps us understand customer interests, improve our website and provide you with a more personalized user experience, and to allow you to login and begin use of AnyTimeLoan.in Services automatically when you visit the Website.

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 or receiving the e-mail.

By visiting the website, you acknowledge, accept and expressly authorize us for the placement of cookies and web beacons on your computer or hand held devices.

Cookies and web beacons used by AnyTimeLoan.in and our online partners are not linked to Personal Information. This Privacy Policy covers the use of cookies and web beacons by AnyTimeLoan.in and does not cover the use of cookies or web beacons by any other third party, or advertiser.

DOES ANYTIMELOAN.IN PROTECT MY 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. You must follow the terms and conditions while using the website including the instructions stated therein in respect of security and confidentiality of your log-in and password.

Website Content: The content that you store, post, or transmit on or through the Website, 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.

Security: The security of your Personal Information is important to us. When you enter sensitive information such as a credit card number on our registration or order forms, we encrypt that information using secure socket layer technology (SSL).

We follow the Board approved IT Policy which provides the framework for Data security, Information security, Security controls IS Audits, etc. and ensure that the IT system is protected against unauthorized access, alteration, destruction, disclosure or dissemination of records and data. While, we follow generally accepted industry standards to protect the Personal Information submitted to us, both during transmission and once we receive it, however, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Internet-based Transfers: Given that the Internet is a global environment, using the Internet to collect and process Personal Information necessarily involves the transmission of data on an international basis. By providing AnyTimeLoan.in with your Personal Information you acknowledge and agree that we may store your Personal Information and transfer it to and from our servers. We endeavor to protect all Personal Information collected through the Website in a safe, confidential and secure manner.

HOW CAN I REVIEW AND MAKE CHANGES TO MY PERSONAL INFORMATION?

You can obtain a copy of and request that we correct errors in your Personal Information by emailing us at ccare@AnyTimeLoan.in. For your protection, you will be required to provide proof of your identity to obtain a copy of your Personal Information. If your Personal Information changes or if you no longer want to use the AnyTimeLoan.in Services, you may correct, update or deactivate your Personal Information and/or your account through the account management screen. If you would like to deactivate or terminate your account you can also contact us at ccare@AnyTimeLoan.in.

Tell-A-Friend If you choose to use our referral service to tell a friend about the Website or AnyTimeLoan.in Services, we will ask you for your friend's name and email address. We will automatically send your friend a one-time email inviting him or her to visit the Website. We store this information for the sole purpose of sending this one-time email and tracking the success of our referral program.

DOES THIS PRIVACY POLICY APPLY WHEN I ACCESS THIRD PARTY WEBSITES?

You may be able to access third party websites directly from the Website. This Privacy Policy does not apply when you access third party websites. We cannot control how third parties may use Personal Information you disclose to them, so you should carefully review the privacy policy of any third party website you visit before using it or disclosing your Personal Information to its provider.

WHAT ABOUT CHILDREN'S PRIVACY?

The AnyTimeLoan.in Services are intended for users ages 21 and older only. Accordingly, we will not knowingly collect or use any Personal Information from individuals that we know to be under the age of 21. In addition, we will delete any information in our database that we know originates from an Individual under the age of 21.

CAN I OPT-OUT FROM RECEIVING COMMUNICATIONS FROM ANYTIMELOAN.IN?

We provide you the opportunity to opt-out of having your Personal Information used for certain purposes. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form.

If you no longer wish to receive our newsletters and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us at  ccare@AnyTimeLoan.in. We also offer you an opportunity to opt-out of certain communications through the account management screen. If you need assistance you may contact us at  ccare@AnyTimeLoan.in.

DOES ANYTIMELOAN.IN EVER MAKE CHANGES TO ITS PRIVACY POLICY?

We may make changes to the Privacy Policy from time to time. We will notify you of any material changes by sending you an email, posting a notice on the home page of the Website, or posting a notice in your account when you first login after we have made changes. If you receive notification or a change in our Privacy Policy, you must review the new Privacy Policy carefully to make sure you understand our practices and procedures. You may not be able to receive notices from us if your cookies are not set to accept and/or are disabled.

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