To be commented by Yash & Sashwat
On the Website
- We are not a lending agency, we are a platform facilitating the potential borrowers meet the appropriate Financing partners and consummate the transaction(s)
- The website of GoPik Connect Pvt Ltd can be reached by clicking the link www.GoPik.org
- For Complaints, if any, please write to firstname.lastname@example.org or Call +91 99875 00235
- To reach out to the Grievance Redressal Office & Ombudsman, please click the link here: Ombudsman
The Privacy of your personal information is of utmost importance for us. We are very strongly committed to preserve and protect the privacy of our Website and GoPik Money App Users at all times.
We exercise utmost care in the way we collect, store, protect and/or use your Personal Information, with full compliance with the “Reasonable Security. Practices and Procedures and Sensitive Personal data and informationRules-2011” under Section 43A of Indian Information Technology Act 2000, as well as any other applicable Law(s) in vogue and amended from time to time.
AA: Information we collect
GoPik may for the purpose of providing you services, require you to enrol yourself on our Website and get yourself registered and
- If you choose to become a registered member of our Website or GoPik Money app, you are required to share your name, e-mail address, gender, date of birth, postal address, phone number, a unique login name, password, password validation, income tax details, marital status, family details, business information and other details shared via application form or via email or via any other medium (Personally Identifiable Information).
- GOPIK may also collect other information specific to provide you service each time such as name, bank statements, KYC documents, personal details, business details, income tax details, marital status, family details and other information via application form or via email or via any other electronic medium or via printed form (Service Information). All Personally Identifiable Information and Service Information shall be collectively known as “Information”.
- In addition to the Information made available to us, we may seek your consent and request access to your email account. On receipt of the consent, GoPik may access the said account for collecting information like bank statement details, and such other financial and transactional information, necessary to process your loan application or provide you products/services. GoPik access to the email account(s) is authorized through the email provider’s access mechanism.
- If you permit GoPik to access your bank statements, GoPik will securely store bank account details, including your sign-in user name and authorisation tokens for tracked accounts. You can choose to enable us to access one or more of your email accounts by explicitly consenting to each single account separately. Please note that your consent is purely voluntary.
- We only read emails from and to financial service providers and do not open, read or access any personal e-mails. We hereby confirm that we do not access any other personal information. For the sake of clarity, GoPik employs automated processes for accessing and analysing information provided by you; where we may need to use our algorithm to access a password-protected document utilizing information provided by you.
- Additionally, GoPik collects your other details including but not limited to your feedback, suggestions, views, opinions, etc. shared on our Website (User Information) that may be shared/volunteered by you on our discussion forums or other pages of our Website. Such information being in the public domain is available for access to all our Website’s users and visitors. You are advised to exercise discretion before you make such details public, as such information is vulnerable to misuse and can be easily misused. GoPik in this regard fully disclaims any liability (ies) or claim(s), which may arise by use/misuse of User Information shared by you, by any third party or any party not known to GoPik.
- Information exchanged by you with GoPik in the form of written communication, responses to emails, feedback required from you, participation in discussions, etc. is also handled with high degree of confidentiality.
BB: Information collected through our mobile application
GoPik services are also provided through the Mobile Application. GoPik may collect and use technical data and related information, including but not limited to, technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to such Mobile Applications.
When you use our Mobile Application, the Mobile Application may automatically collect and store some or all of the following information from your mobile device (“Mobile Device Information”), in addition to the Device Information, including without limitation:
- Your preferred language and country site
- 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
- Your geolocation
- Information about how you interact with the Mobile Application and our web site to which the Mobile Application links
- Transactional SMSes
- Emails registered on device
CC: Non-Personal Information
GoPik also collects certain other information from you on your visit to our Website such as information about your operating system, browser type, the URL of the previous website you visited, list of third-party applications being used by you, your internet service provider and your IP Address (Non-personal Information). This information cannot be easily used to personally identify you. We use Non-personal Information for the purposes including but not limited to troubleshoot connection problems, administer the Website, analyze trends in the market, gather demographic information, to ascertain how our visitors use our Website, including information relating to the frequency of visits to our Website, average length of visits, pages viewed during a visit, ensuring compliance with the applicable law, co-operating with law enforcement activities, etc. This information is used to improve the Website content and performance. You also agree that GoPik may gather usage statistics and usage data from your use of our Website to evaluate your use of our products/services, to improve our products/services, Website content and to ensure that you are complying with the terms of the applicable agreements between you and GoPik. The statistics and data collected may or may not be aggregated. These statistics contain no information that can distinctly identify you.
- SMS: We do not collect, read or store your personal SMS, other than the SMS pertaining to your financial transactions solely for the assessment of your credit risk.
- Phone: In order to prevent fraud and ensure no unauthorized devices are acting on your behalf on the platform we collect and monitor specific information about your device including its hardware model, operating system and versions and identifiers like IMEI number and serial number
We may in future also share this information with third party service providers or third party advertisers to measure the overall effectiveness of our online advertising, content, programming and for other bonafide purpose, as we may desire. By usage of our Website or/and mobile application you expressly permit GoPik to access such information for one or more purposes deemed fit by GoPik.
DD: Change (by you) in Information, you provide
You may, if situation so warrants, amend, correct, and/or delete information/inaccuracies by making appropriate changes in our User Information Page or through an email to the Address in our Website or GoPik Money App. We may make the suitable changes as fast as possible on best effort basis
EE: Use of information, we collect
Our primary goal in collecting the information is to provide you a platform to render our Services. We may use the personal information provided by you in the following ways:
- To help provide you the Services;
- To observe, improve and administer the quality of Services;
- To analyze how the platform is used and diagnose technical problems;
- Remember the basic information provided by you for effective access;
- To confirm your identity in order to determine your eligibility to use the platform and avail the Services
- To notify you about any changes to the Website or/and mobile application;
- To enable us to comply with our legal and regulatory obligations;
- For the purpose of sending administrative notices, Service-related alerts and other similar communications with a view to optimizing the efficiency of the Website or/and mobile application;
- Doing market research, troubleshooting, protection against error, project planning, fraud and other criminal activity; and
FF: Sharing of your Information
- Promotional Offers: We may send you offers of your interest, which may be on behalf of various other businesses. However, when we do this, we do not give that business your name, address and details in relation to the Services availed. If you do not want to receive such offers, we will adjust your preferences, based on your request.
- Consulting: We may partner with other parties to provide specific portions of the Services, if required. When you sign-up for the Services, we will share names, your live selfie recorded during your onboarding journey on the GoPik Platform or other Personal Information (including phone number registered or to be registered with GoPik) and Sensitive data that is necessary for the third party to provide these Services. Our contractual arrangements with such third parties restrict these parties from using personally identifiable information except for the explicit purpose of assisting in the provision of these Services.
GG: Non-Disclosure of your Information
We pledge that we will not sell or rent your personal details to anyone and your personal information will be protected and maintained strictly confidential by us, except in the following cases:
- We may disclose your personal information in the event it is required to do so by law, rule, regulation, law, enforcement, governmental official, legal or regulatory authorities and / or to such other statutory bodies who have appropriate authorisation to access the same for any specific legal purposes;
- We may disclose your information to such third parties to whom we transfer our rights and duties under any agreement entered into with such third parties
- We may disclose your information to any of our affiliates or related entities.
GG: How we protect your Information against loss, misuse and alteration of your Information?
- GoPik take our task of preserving your information very seriously. We shall leave no stones unturned in our efforts to preserve the privacy and confidentiality of your information shared with us. We implement standard measures to protect against unauthorized access to and unlawful interception of Personal Information. However, no Internet website or/and mobile application can fully eliminate security risks.
- We use various up-to-date techniques including but not limited to best-in-class Secure Servers, firewalls and encryptions as well as physical safeguards to protect your information shared with us.
- We may disclose information shared by you without your consent (express or implied) and without any liabilities to you when required or permitted by law and we have a good-faith belief that (i) such action is necessary to comply with an appropriate law enforcement investigation, current judicial proceeding, a court order or legal process served on us or (ii) to conform to the legal requirements, compliance/reporting to administrative and judicial authorities, as may be required (iii) protect and defend the rights or property of the website or/and mobile application owners of G0Pik or the users of G0Pik, (iv) person(s) or company (ies) who provide certain support services to us, or (v) person(s) or company (ies) who share certain responsibilities/obligations of G0Pik and (vi) to third parties/ service partners for providing you services offered by such third parties and service partners. Further, we reserve the right to disclose Information shared by you without your consent with entities engaged in providing the credit scores or credit information related services like CIBIL, etc.
- In using the Services, you accept the inherent security implications of data transmission over the internet. Therefore, the use of the Website will be at your own risk and we assume no liability for any disclosure of information due to errors in transmission, unauthorised third party access or other acts of third parties, or acts or omissions beyond its reasonable control and you agree not to hold us responsible for any breach of security.
- In the event we become aware of any breach of the security of your information, we will promptly notify you and take appropriate action to the best of its ability to remedy such a breach.
II: DATA Retention
If you choose to deactivate your account, please note that your information will be retained and we will continue to use it as necessary to comply with our legal obligations, resolve disputes, and enhance our agreements or for any other business purposes as per subject to Clause 6 above (Non-Disclosure of Information). If in the future, you choose to resume using GiPik Money App , we may use the retained information to re-activate your account.
Upon initial communication from us, you may opt-out of receiving further communications from us. To be completely removed from our mailing list, you may contact us at email@example.com you are using an e-mail forwarding service or other similar service please make sure to include the correct e-mail address or addresses.
JJ: Opt-out Procedure
Upon initial communication from us, you may opt-out of receiving further communications from us. To be completely removed from our mailing list, you may contact us at support@GoPik.org If you are using an e-mail forwarding service or other similar service please make sure to include the correct e-mail address or addresses.
JJ: Other Links or widgets
- The Website may contain links to other sites. The linked sites are not necessarily under our control. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage you to read the privacy policies of each and every website that collects personally identifiable information. If you decide to access any of the third-party sites linked to the Website, you do this entirely at your own risk. Any links to any of our partners should be the responsibility of the linking party, and we will not be responsible for notification of any change in name or location of any information on the Website.
MM: Notification of Changes
OO: GoPik Money App
Using the Company Services or accessing our Website and/or GoPik App, after the notice as above, shall constitute your consent to the Changes in the Policy
Updated as of 24/04/2023