Welcome to UPFINZOFINTECH PRIVATE LIMITED, your trusted financial companion. We, at Upfinzo, are committed to safeguarding your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, store, and use your information as you engage with our website and avail of our services.
Upfinzo is a fintech platform provided by Upfinzo, a company incorporated under the relevant laws. Our registered office is located at Level 8, Desk No 76, Cessna Business Park, Business Bay Tower 1, Kadubeesanahalli, Bengaluru, Bengaluru Urban, Karnataka, 560037, and we operate under various entities/subsidiaries, collectively referred to as "we," "our," or "us."
This policy applies to your interactions with Upfinzo through our website, notifications, or any other medium we use to provide our services (referred to as the "Platform"). By using our Platform, you explicitly agree to abide by this Privacy Policy and the relevant terms and conditions associated with our products/services.
We operate within the framework of Indian laws and regulations, including the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Aadhaar Act, 2016, and its Amendments. This Privacy Policy aligns with the legal requirements for the collection, use, storage, transfer, and disclosure of Personal Information.
Your use of Upfinzo implies your agreement with this Privacy Policy. If you disagree, kindly refrain from accessing our Platform. We appreciate the trust you place in us and remain dedicated to maintaining transparency and respecting your privacy.
Thank you for choosing Upfinzo. Your financial well-being is our priority, and we are committed to ensuring a secure and trustworthy experience for you. If you have any concerns or questions about our Privacy Policy, please reach out to us at [email protected].
At Upfinzo, we understand the importance of your privacy and strive to be transparent about how we collect and use your Personal Information. Our goal is to provide you with excellent services while continually enhancing your experience on our fintech platform. Here's an overview of the types of information we may collect during our interaction with you:
Personal and Sensitive Personal Information:
We may collect relevant and necessary Personal Information to deliver the services you request and improve our platform. This includes, but is not limited to:
Financial and Transaction Details:
We may collect information related to your financial activities, including:
Device and Location Information:
To enhance your experience, we may collect:
Collection at Various Stages:
Information may be collected during different stages of your interaction with Upfinzo, such as:
Third-Party Sources:
We may also obtain information from third parties or publicly available sources, including:
At Upfinzo, we value your privacy and are committed to safeguarding your personal information. We collect and process your data for various purposes, ensuring a secure and seamless experience for you. This includes creating and verifying your account, granting access to our range of products and services, and fulfilling your service requests.
As part of our commitment to regulatory compliance, we conduct Know Your Customer (KYC) processes, adhering to the requirements of bodies such as UIDAI under the Aadhaar Act. This involves validating, processing, and sharing KYC information with relevant entities and partners as necessary.
Our primary goal is to facilitate secure transactions on your behalf, process payments, and communicate with you for any queries or regulatory requirements. We use your information to enhance your user experience, analyze behavior for aggregated insights, and customize services to make your interactions smoother.
Additionally, we may allow third parties to contact you for products and services related to your activities on the Upfinzo platform. We conduct credit checks, due diligence, and employ security measures to protect against fraud, money laundering, and other criminal activities.
It's important to note that when providing account aggregator services, we do not store, use, process, or access any financial information you transmit under our services. We strive to minimize data processing to respect your privacy while meeting legal obligations and ensuring a safe and enjoyable user experience on Upfinzo.
Welcome to Upfinzo and thank you for entrusting us with your financial journey. We want to be transparent about how we gather and utilize information, and our commitment to your privacy. To enhance your experience on our platform, we employ data collection tools like "cookies'' or similar technologies on specific pages. These tools help us analyze web page flow, measure the effectiveness of promotions, and ensure trust and safety.
Cookies, those small files on your device's hard drive, play a crucial role in delivering our services without compromising your personal information. Rest assured, these cookies do not contain any of your Personal Information. Certain features on our platform are exclusively accessible through the use of cookies, providing you with a seamless experience. They also contribute to minimizing the frequency of password entries during your session.
Our cookies are primarily "session cookies," automatically deleted from your device's storage at the end of your session. While you are free to decline or delete our cookies if your browser/device permits, it's important to note that this may limit your access to certain features on the platform. You might also find third-party cookies or similar technologies on specific pages, though we do not have control over how these third parties use cookies.
Your privacy is of utmost importance to us, and we want you to feel confident about your choices on Upfinzo. Feel free to explore our privacy settings, and know that we are here to provide a secure and tailored experience for your financial needs.
We value your trust in Upfinzo and want to assure you that your personal information is treated with the utmost care and responsibility. Transparency is key, and we're here to explain how we handle your data in line with applicable laws and the purposes outlined in this policy.
We may share your personal information with various parties, including business partners, service providers, sellers, logistic partners, merchants, and more. This sharing is done with due diligence and on a need-to-know basis, ensuring that your information is utilized responsibly. Here's why we might share your personal information:
Enabling Services: To provide the products/services you've chosen and facilitate interactions between you and service providers, investment advisors, sellers, and logistic partners.
Aadhaar Authentication: For the Aadhaar authentication process, we may submit your information to Central Identities Data Repository (CIDR) and National Securities Depository Limited (NSDL).
Compliance: To comply with applicable laws and meet Know Your Customer (KYC) requirements mandated by regulatory bodies relevant to the services/products you opt for.
Payment Transactions: When you initiate a payment transaction on a merchant site, we may share your personal information based on your instructions.
Financial Product Subscriptions: For processing your financial product subscription requests and ensuring they reach the relevant financial institution.
Fraud Prevention: If required by financial institutions to verify, mitigate, or prevent fraud, manage risk, or recover funds according to applicable laws and regulations.
Service-related Functions: For communication, marketing, data storage, transmission, security, analytics, fraud detection, risk assessment, and research
Enforcement and Protection: To enforce our terms or privacy policy, respond to claims of rights violation, or protect the rights, property, or safety of our users and the general public.
Legal Obligations: When necessary by law or in good faith belief that disclosure is reasonably required to respond to subpoenas, court orders, or other legal processes.
Government Initiatives:If requested by government authorities for initiatives and benefits, grievance redressal, and dispute resolution.
Internal Processes: Sharing with internal investigation departments or appointed agencies for investigation purposes within or outside the jurisdiction.
Business Changes: In the event of a merger, acquisition, reorganization, amalgamation, or restructuring, your information may be shared with the involved business entity.
While we share information with third parties, their processing of your personal information is governed by their own policies. We ensure that these third parties adhere to strict privacy protection obligations, and we don't accept responsibility for their policies or use of your information.
Your privacy is our priority at Upfinzo, and we're dedicated to safeguarding your data throughout your financial journey with us.
At Upfinzo, we want you to be confident that your personal information is handled with the utmost care and diligence. Here's how we approach the storage, retention, and security of your data:
Your personal information is stored within India, following applicable laws and for a duration no longer than necessary for the intended purpose. We may retain certain information if it's crucial to prevent fraud, abuse, or as required by law or legal proceedings. Once your personal information has served its purpose, we commit to deleting it in compliance with relevant laws.
We take your data security seriously. Upfinzo employs administrative, technical, and physical security measures to protect your personal and sensitive information. These measures comply with Aadhaar Regulations to ensure the safeguarding of your Aadhaar information. While we understand no system is foolproof, we regularly review and enhance our security practices. Your data is stored on secure servers behind firewalls, and access is strictly controlled and password-protected.
As a user, you play a vital role in maintaining the confidentiality and security of your login credentials. Please refrain from sharing your login ID, password, and OTP details. If you suspect any compromise to your personal information, it's your responsibility to notify us promptly.
We've implemented additional security features within the Upfinzo, including a login/logout option and the "Enable Screen Lock" feature. These measures ensure that your can only be accessed on your device, and your login credentials require additional authentication/OTP for use on a different device.
When you utilize services from providers on the Upfinzo platform, these providers may collect your personal information, governed by their own privacy policies. Be sure to refer to their policies to understand how your data will be handled.
Our platform may include links to other websites or, and it's important to note that their privacy policies are beyond our control. Once you leave our platform, the handling of your personal information is subject to the policies of the respective website. We encourage you to review these policies before proceeding. We don't assume responsibility for the usage of your personal information by these third parties or their policies.
Your trust is paramount to us at Upfinzo, and we are committed to ensuring the security and privacy of your information throughout your journey with us.
We process your personal information with your consent. By using the Upfinzo platform or services and providing your personal information, you agree to its processing in line with this Privacy Policy. If you share personal information about others, you confirm your authority to do so and permit us to use that information as outlined here.
We respect your preferences. Users have the option to opt-out of non-essential communications or services after setting up an account. To remove your contact information or discontinue services, simply click the unsubscribe button on our emails.
You have the right to access and review your shared personal information. You can also revoke consent for storing e-KYC information collected during the Aadhaar-based process. Note that revoking consent may affect access to certain services. For requests or more information, contact us through the details in the 'Contact Us' section.
If you wish to delete your account or personal information, the 'Help' section on the Upfinzo platform is your go-to. However, retention will be subject to applicable laws. We might need specific information for identity confirmation and authentication, ensuring your data remains secure.
Our platform is for users over 18, capable of forming a legally binding contract under the Indian Contract Act, 1872. If you're under 18, use the platform under supervision. We don't knowingly collect personal information from those under 18.
As Upfinzo evolves, so do our policies. We may modify this Privacy Policy at our discretion, but we'll make efforts to notify you of changes. It's your responsibility to stay updated by reviewing the policy periodically. We won't alter policies to make them less protective of previously shared personal information.
Your questions and concerns matter. If you have inquiries about your personal information or this Privacy Policy, contact our Privacy Officer through this [email protected]. We're committed to responding promptly, and any delays will be communicated proactively.
Your privacy is a priority at Upfinzo, and we're here to ensure your experience is secure, transparent, and aligned with your preferences.
