Privacy Policy

This PRIVACY POLICY (“Policy”) has been drafted in accordance with the Information Technology Act, 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011.

ARTHAVYA MARKINN PRIVATE LIMITED, a Company registered under the Companies Act, 2013, having its registered office at No. 855, 9th cross, ITI layout, Papareddy Palya, Nagarbhavi 2nd stage, Bangalore KA – 560072, IN (hereinafter shall be referred to as “Arthavya” or “Company” or “us” or “we”) is engaged in financial activities of lending and advancing money and assets at website arthavya.in (“Website”).

THIS POLICY DESCRIBES OUR POLICIES AND PROCEDURES FOR THE COLLECTION, USE, STORAGE, PROCESSING, DISCLOSURE AND PROTECTION OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, BUSINESS OR PERSONAL INFORMATION PROVIDED BY YOU AS A USER (“YOU/YOUR” or “USER”) WHILE USING THE PLATFORM. USER SHALL MEAN ANY PERSON/ PERSONS, WHO VISITS, USES, DEALS WITH AND/ OR TRANSACTS THROUGH THE PLATFORM OR AVAILS OUR SERVICES AND INCLUDES A BROWSER.

THIS POLICY CONSTITUTES A LEGAL AGREEMENT BETWEEN YOU, AS THE USER OF THE PLATFORM, AND THE COMPANY, AS THE LICENSED OWNER OF THE PLATFORM. YOU MUST BE A NATURAL PERSON WHO IS AT LEAST 18 YEARS OF AGE.

BY VISITING/ ACCESSING THE PLATFORM, THROUGH THE WEBSITE AND VOLUNTARILY PROVIDING US WITH INFORMATION (PERSONAL AND/ OR NON- PERSONAL) FOR THE PRODUCTS OR OTHERWISE, YOU ARE CONSENTING TO OUR USE OF IT IN ACCORDANCE WITH THIS POLICY. THIS POLICY DOES NOT APPLY TO THIRD-PARTY WEBSITES / APPLICATIONS THAT ARE CONNECTED VIA LINKS TO THE PLATFORM. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY, PLEASE DO NOT PROCEED FURTHER TO USE/ ACCESS THIS PLATFORM.

YOUR USE OF THE PLATFORM WILL BE GOVERNED BY THIS POLICY AS APPLICABLE TO THE PLATFORM TOGETHER WITH ALL POLICIES, NOTICES, GUIDELINES, DISCLAIMERS THAT ARE PUBLISHED AND SHARED WITH YOU FROM TIME TO TIME WHICH ARE INCORPORATED HEREIN BY WAY OF REFERENCE INCLUDING BUT NOT LIMITED TO OUR TERMS & CONDITIONS AND SUCH OTHER TERMS AS MAY BE APPLICABLE TO YOU IN YOUR CAPACITY AS A USER OF THE WEBSITE. THIS POLICY SHALL BE ENFORCEABLE AGAINST YOU IN THE SAME MANNER AS ANY OTHER WRITTEN AGREEMENT.

THIS POLICY IS A PART OF THE TERMS & CONDITIONS OF THE PLATFORM AND ALL CAPITALIZED TERMS UNDER THIS POLICY THAT HAVE NOT BEEN SPECIFICALLY DEFINED HEREIN SHALL HAVE THE MEANING AS ASCRIBED TO IT UNDER THE PLATFORM TERMS & CONDITIONS.

WE MAY UPDATE THIS POLICY FROM TIME TO TIME. YOU MUST PERIODICALLY REVIEW THE POLICY FOR THE LATEST INFORMATION ON OUR PRIVACY PRACTICES.

1. INFORMATION WE COLLECT

We will collect certain information about you in connection with your usage in our website. In addition, you may create, disclose or disseminate personal or business data and/or information in connection with your use of the Services while using Arthavya or its affiliates’ networks or equipment, which data and information will be stored or cached on Arthavya’s systems, computers, servers or other equipment. All of the foregoing information, together with any other information described below as “Personal Information,” will be referred to herein as “Personal Information.” Your identity may be discernible from your Personal Information, and Personal Information will specifically include the following:

Contact Information: Name, email address, phone number, postal address, and other contact details.

Communication Data: Information provided when you contact us, such as email correspondence or customer support inquiries.

Marketing Preferences: Information related to your marketing preferences and communication choices.

Social Media Information: Information you choose to share with us through social media platforms.

Website Usage Data: Information collected through cookies and similar tracking technologies. Please refer to our Cookies Policy for more details.

IP address of your server from where the Site is being accessed, the type of browser (Internet Explorer, Firefox, Opera, Google Chrome etc.) the operating system of your system and the Site You last visited before visiting our Site, referring source which may have sent You to the Site, duration of Your stay on our Site.
Details about the mobile devices and its operating system
Other information associated with the interaction of Your browser and the Site.

2. HOW WE USE YOUR INFORMATION

Personal information of individual users will not be disclosed, sold or otherwise transferred to unaffiliated third parties except for providing our Services to you and with your approval.

We agree to restrict our usage of Personal Information and Data as follows: (i) we may use or disclose in any form for any of our internal business purposes and for the purpose of providing Services to You in our complete discretion in accordance with this Policy; (ii) we may otherwise only disclose Public Information and data to a third party in a form that is not anonymized to provide Services to you and for no other purpose.

We use your personal information for various purposes in India, including but not limited to:

for authentication and identification purposes;

To analyse the details of your visit to our Site, including but not limited to, location data, web logs and other communication data;
To conduct internal reviews and data analysis for the Site (e.g., to determine the number of visitors to the Site;
To provide it for scrutiny to any statutory, regulatory or any other governmental authority or any other agency as advised by government or any judicial body;
To protect the networks, data, software or business interests of Arthavya, its affiliates and members. We may also use your Personal Information to contact you with information relating to the Services, news and information relating to our product offerings, services and/or events;
To respond to your inquiries, provide customer support, and send you important updates and information about our services.
To send you marketing communications, promotions, and advertisements based on your preferences, where permitted by law.
Detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions;
Use your IP address to help diagnose problems with our server, and to administer our Site. Your IP address is also used to help identify You and to gather broad demographic information;
To improve our internal customer training;
To enhance security of our Site;
Sharing the information with third parties in order to provide certain services to You.

We are committed to protecting your privacy and we will not sell or lease your Personal Information to any third party. However, in addition to using and disclosing your Personal Information in the manner described above, we may disclose your Personal Information:

To any person, entity or organization which you consent for us to disclose Personal Information to;
To our business partners and agents who provide hosting services, and web and technical support providers, as is necessary or required in connection with the operation, maintenance and support of the Services and the Website;
To comply with any legal requirements, act in urgent circumstances to protect the personal safety of users of the Services or the public, or court orders, to defend any legal or administrative proceedings, or as we believe in good faith is necessary to comply with any laws or legal requirements;
As Arthavya believes is necessary or appropriate in an emergency situation, including without limitation, to prevent criminal activity, personal injury or property damage;
In connection with any legal proceedings relating to your use of the Services or the Website; and
In connection with the sale of the equity or any of the assets of Arthavya, in which case we will require the buyer to maintain the confidentiality of your Information in accordance with the terms of this Privacy Policy.

Except as described in this Privacy Policy, we will not disclose your Personal Information outside of Arthavya and its affiliates without your consent. We may share aggregated demographic and statistical information with our business partners. This is not linked to any personal information that can identify any individual person.

3. DISCLOSURE OF INFORMATION

We may share your personal information with third parties in India for the following purposes:

We may share the details of the Product and Your information with our third -party partners and Service providers in order to conduct data analysis for the purpose of improving the Services and analysing Your use of the Platform, and to Service you better;
We may engage third-party service providers to assist us in delivering our marketing services and conducting business operations. These service providers are contractually bound to handle your information confidentially and only for the purposes specified by us.
We contract with third-party advertising networks, publishers and other entities to advertise our Products and Services on Platform which are not affiliated with us and we shall share the information provided by You and the same shall not be used for any purpose other than to assist us in our advertising efforts;
We may disclose your information if required by Indian law, governmental request, court order, or to protect the rights, property, or safety of our company or others.
In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of the transaction, subject to applicable Indian laws.

4. YOUR PRIVACY CHOICES

You have the right to control and manage your personal information.

Access and Update Your Information: You may access and update certain personal information by contacting us directly.

Opt-out of Marketing Communications: You can opt-out of receiving marketing communications from us by following the unsubscribe instructions included in the emails or by contacting us.

Cookie Preferences: You can manage your cookie preferences through your browser settings. For more information, please refer to our Cookies Policy.

5. DATA SECURITY

We implement reasonable security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no data transmission or storage system can guarantee absolute security. Therefore, we cannot guarantee the complete security of your information.

6. RETENTION OF PERSONAL INFORMATION

We shall destroy all the data collected from you within a reasonable time, except the records and data pertaining to the transaction undertaken using our Services or the Site. Please note that under the applicable laws, we are required to maintain record of these transaction with us including personal data such as your name, contact details, customer number, transaction history etc. Other than the information specified above, we shall delete all Personal Information that holds about you.

7. CHILDREN'S PRIVACY

Our services are not intended for use by children under the age of 18 in India. We do not knowingly collect personal information from individuals under 18 years of age. If you believe that we may have collected information from a child under 18, please contact us, and we will promptly take appropriate measures to delete the data.

8. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be posted on our website, and the effective date will be revised accordingly.

9. GOVERNING LAW AND DISPUTE RESOLUTION

This Arthavya’s Privacy Policy shall be governed by and construed in accordance with the laws of India. All disputes in relation to these terms will be adjudicated exclusively before a competent court in Bangalore, India only.

10. CONTACT US

If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information in India, please contact us at:

ARTHAVYA MARKINN PRIVATE LIMITED
No. 855, 9th Cross, ITI Layout,
Papareddy Palya, Nagarabhavi 2nd Stage,
Bangalore KA – 560072 IN
compliance@arthavya.in
08041679297