This Privacy Policy applies to the personal information of individual or group of individuals (which means any and all information/ documents/ details pertaining to a natural person or group of persons, such information may either directly or indirectly or in combination with other information available with SaveIN, may be used to identify such a person or group.

This Privacy Policy shall be referred to govern the use of any or all SaveIN Services, availed by our Customers which may include personal as well as business use unless specified explicitly.

We may collect information through your computer, mobile phone, tablets, or other devices that you use to access SaveIN platform. Such information, collected by us includes, but is not limited to, the following: IP address, browsing data, device ID or unique identifier, device type, geo-location information, computer and internet information, mobile network information, statistics on page views, referral URL, advertisement data, web log data and other such information, Calendar information etc.

We may also collect anonymous information through the use of cookies and web beacons. We may collect and store any information that you may provide to us or agree to share, including when you add information on web forms, add or update your account information, participate in social media, community/ SaveIN club discussions, chats, or dispute resolutions, or when you otherwise correspond with us regarding SaveIN Services through any channel.

Your Credit Information (credit score and credit information report) may be procured by us through your credit records with Credit Information Companies “CICs” with your consent and in conformation to the applicable regulatory framework to access such information. SaveIN may receive this information from one or more CICs for and on your behalf only once you agree to appoint SaveIN as your lawfully and voluntarily appointed authorized agent/ representative for collecting your credit information from CICs. By consenting to use and availing your credit information report through SaveIN, you agree that SaveIN and CICs shall be entitled to rely on your authorization and consent granted by you to SaveIN

When you use SaveIN platform, we may also collect information about your transactions and your activities including but not limited to:

We may also collect information from or about you from other sources, such as through your correspondence with us, including our customer support team, your interactions with members of the SaveIN employees or representatives.

Additionally, SaveIN may monitor or record its all of your communication with SaveIN platform, any SaveIN employee or representative at any time of its choice. Also, by communicating with SaveIN, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warnin.

We may also use the User information to enable activities and transactions that need to occur during the process of lending, such as:

After obtaining the User’s specific consent to allow the SaveIN platform to access the User’s SMS inbox, we may collect relevant information from text messages (SMS) received by the Users from providers of services and/or products (including but not limited to retail outlets, financial institutions, mobile carriers, websites, ecommerce companies, any merchant and all utility companies), that will enable us to provide better access to financial products and services , managing your expenditure by providing insights and other products to the Users. In case we do, we shall only access business messages and will never intrude in your personal messages.

When you download or use our mobile applications, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device’s settings menu.

By using any of SaveIN platforms, you expressly consent to SaveIN and including all its marketing channels and business partners, representatives to provide the details/documents/information mentioned hereinabove for the purpose stated under this Privacy Policy.

You also expressly consent to SaveIN (including its marketing channels and business partners/ representatives) to contact you through SMS, call, WhatsApp and/ or e-mail or any other applicable communication platform and to follow up in relation to the Services provided by or through the SaveIN Platform, for corresponding on transactions, imparting product knowledge, offering promotional offers through SaveIN Platform & various other offers offered by its business partners.

You hereby authorize and expressly consent us to share your Personal information with third parties including but not limited to Banks, credit information bureaus, government agencies or any other such agency mandated by law, for completion of the services availed.

The Company’s primary purpose to collect any or all the aforementioned personal information is to provide you with a secure, smooth, efficient, smart, and personalized experience while dealing with SaveIN products or products and services facilitated by SaveIN through its partners.

Other unaffiliated third parties, for the following purposes:

We may use your personal information to:

We may also use the User information to enable activities and transactions that need to occur during the process of lending, such as:

Personal information is defined as information that can be associated with a specific person or a group of persons and can be used to identify that person or group. For the purposes of the use of SaveIN, information that has been made anonymous so that it does not identify a specific user shall not be considered as Personal information.

We store and process your personal information on our computers and or cloud infrastructure located in India. We shall endeavor to protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration. We have fully ensured that reasonable security practices are adopted, which are at par with reasonable industry standards. Note that we shall not be liable for any third-party breaches to the security of your information. Please beware of phishing attacks. We shall not be responsible for any loss or damage if you share any Account information or otherwise to such phishing attacks.

We may share your Personal information with our affiliates and business partners where we feel that you will be assisted better for the purpose of availing the SaveIN Services. We may share your personal information with:

We may also seek necessary explicit consent on a case to case basis, as deemed appropriate as per our operational framework or applicable law.

We use data collection methodologies such as "cookies"/similar information sets, etc on certain pages of the app to help analyse our app page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your device hard-drive/storage that assist us in providing our services.

The User can at any time while availing the services or otherwise, withdraw his/her consent given previously to SaveIN for collecting, receiving, possessing, storing, dealing or handling Information of the User or ask for deletion of Personal Information or User account, by sending us your request by email on support@savein.money. In such case, SaveIN will unfortunately not be in a position to provide the Services to you. However, SaveIN will be able to retain such Information for the time period in accordance with the applicable laws.

If you do not wish to receive marketing communications from us, you may write to us on support@savein.money

Please note that it may take about 15 business days to process your request. In furtherance to your usage of the SaveIN Platform, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone / mobile numbers for contacting you for such purpose and usage. Hence, there will be no DNC / DND check required for the number you may have left on our SaveIN Platform. Such modes of contacting you may include sending SMSs and/ or telephonic calls.

SaveIN will retain your information for 10 years from the date of your last transaction with SaveIN, or your request for termination of your account with SaveIN, whichever is earlier. Furthermore, SaveIN may also be required to retain certain information under the applicable law and/or as part of its contractual obligations with the Banks/Financial Institutions and accordingly such information shall be retained as prescribed under the applicable law or part of SaveIN’s contractual obligation.

At any time, you may choose to withdraw consent for your information, and seek deletion/ return of the same from our records. You may email support@savein.money from your registered email ID , with subject line as : “Deleting SaveIN account and withdrawal of consent of use of information”, clearly mentioning your registered mobile number and asking for deletion of account with SaveIN. Please note that your account can only be deleted in the event of no existing financial obligation on you on account of using products or services facilitated through the SaveIN platform.

Further, you can visit SaveIn | Merchant portal to delete your account on ‘SaveIN for Healthcare Business’ mobile app.

Post termination of your relationship, SaveIN may continue to use your anonymized data aggregated or in combination with anonymized data of other users. We use this aggregated anonymized data for data analysis, profiling, and research purposes, for example to gain insights about our users and their profiles. We may keep your contact information along with your application details (if any) for fraud prevention purposes and for the exercise/ defence of a legal claim or for providing evidence in legal proceeding(s).

In case of any changes in the personal information shared by you with SaveIN, you may contact our customer support or write to us on support@savein.money.

Sometimes, SaveIN platforms may link to other platforms that may collect personally identifiable information about you. SaveIN is not responsible for the privacy practices or the content of such linked platforms.

If you have a grievance or complaint, questions, comments, concerns, or feedback in relation to the processing of information or regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to grievance@savein.money

Name of Grievance Officer : Ms. Anju Gahlawat

Email : grievance@savein.money

Address : The Circle, 1st floor, Unitech Trade Center, Sector 43, Gurugram - 122002

This Privacy Policy is published and shall be construed in accordance with the provisions of Information Technology Act, 2000 and rules made thereunder including the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 as amended thereof and other applicable law enacted from time to time.