The Website www.capitaworld.com (“this Website) is owned and provided by Capitaworld Platform Pvt. Ltd., a company incorporated under the Companies Act,2013, having registered office at 502, Aniket, CG Road, Ahmedabad.In the Privacy Policy, “we”“our” and “us” means “Capitaworld Platform Pvt. Ltd.;“you” and “your” means any person who accesses and uses this Website; Herein after CapitaWorld Platform Pvt. Ltd shall be referred to as “CapitaWorld”

By registering yourself at www.capitaworld.com you are authorizing us & our partnering Banks/NBFCs and Advertisersto give you a call/sms/e-mail to offer you their services for the product you have opted for, imparting product knowledge, offering promotional offers running on website & offers offered by the associated third parties. And Irrespective of the fact if also you have registered yourself under DND or DNC service, you still authorize us to give you a call/sms/e-mail from CapitaWorld& partnering Banks/NBFCs and Advertisers for the above – mentioned purposes till 180 days of your registration with us.
By accepting our “Terms and Conditions” you authorize our partners to run a Credit Bureau check for your profile.

CapitaWorld doesn’t provide Loans on its own but ensures your information is sent to Bank/ NBFC / Any other Financial Institution as matched by our systems or which you have opted for. All loans are on discretion of the partnering Banks/NBFCs/Financial Institutions and Advertisers. CapitaWorld provides general information and not be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. We strongly advise that independent professional advice be obtained before you purchase any product and/or service via CapitaWorld

This Privacy Policy covers CapitaWorld’s treatment of personally identifiable information that CapitaWorld collects when you are on the CapitaWorld site, and when you use CapitaWorld’s services. This policy also covers CapitaWorld’ s treatment of any personally identifiable information that CapitaWorld’s business partners share with CapitaWorld. This policy does not apply to the practices of companies that CapitaWorld does not own or control, or to people that CapitaWorld does not employ or manage.

Your personal information will never be sold:

We will not sell or rent your personal information to anyone, for any reason, at any time. CapitaWorld uses and its partners discloses your personal information only as follows:

  1. To analyze usage of the site and to improve the Service;
  2. To send you any administrative notices, offer alerts and communications relevant to your use of the Service;
  3. To enable you to apply for certain products and services for which you have chosen to apply;
  4. For market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;
  5. To third-party contractors that provide services to CapitaWorldand are bound by these same privacy restrictions;
  6. To enforce CapitaWorld Terms of Use; and
  7. To otherwise as set forth in this Privacy and Security Policy.

In the event that you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your name, mail address, mobile number, date of birth, employment type, residency status, details of loan applied for and loan status may be provided to that co-brand partner when your application is submitted and whenever the status of application is updated. CapitaWorld has a business relationship with these co-brand partners and you may not opt-out of sharing your information with these co-brand partners if you have applied via a co-branded URL.

We limit the collection and use of personal information:

Certain areas and features of CapitaWorld are available to you without the need to provide to us any information. However, other features of the Site or the Service such as applying for a loan will require providing CapitaWorld with details such as your name, email address, address, mobile number, PAN, employment & income details, personally identifying information about a potential co-loan applicant (should you select this option), password and to participate on our forum boards, a username (collectively the “Registration Information”). In order to provide your bank statement or pay slip electronically along with your loan application, you also must provide your third-party account credentials (“Account Credentials”) to allow CapitaWorld to retrieve your account data at those other financial institutions (“Account Information”) for your use. Your Account Credentials are only used once to retrieve your bank statements/payslips and are not stored in our system.

From time to time we may request more personal information in order to provide you with other benefits of the Service. In such instances, you will always be given the opportunity to provide or to decline to provide that information, and it will be used only for the stated purpose. CapitaWorld may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner to:

  1. Third parties for their marketing and promotional purposes, such as the number of users who applied for a loan;
  2. Users of the Service for the purpose of comparing of their personal financial situation relative to the broader community.

Such information does not identify you individually. Access to your Registration Information, Account Information and any other personal information you provide is strictly restricted and used only in accordance with specific internal procedures and safeguards governing access, in order to operate, develop or improve the Service. We may also use third party service providers to help us provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your personal information for purposes unrelated to the product or service they’re providing. We require such third parties to maintain the confidentiality of the information we provide to them.

 

Changes to your registration information:

If your Registration Information provided when you applied for a product on Sites changes, you may update it whenever you apply for a new product such as a loan via the Service. To review and update your personal information to ensure it is accurate while your application is in process, contact us at info@CapitaWorld.com.

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at info@CapitaWorld.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Log Files:

As is true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you, to improve marketing, analytics, or site functionality.

Tracking technologies:

If enabled, we may place cookies on your machine that store small amounts of data on your computer about your visit to any of the pages of this Website. Cookies are small electronic files that collect information when someone visits a website. They can identify the pages that are being viewed and this can assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. Some cookies only exist whilst viewers are online, but ‘persistent’ cookies are not session-based and remain on the viewer’s computer. When you visit this site again, ‘persistent’ cookies can enable us to customize our content according to your preferences.

Technologies such as: cookies, beacons, tags and scripts are used by CapitaWorld and our partners like banking and financial entities, affiliates, or analytics or service providerssuch as google Ad sense, google analytics etc. These technologies are used in analyzing trends, administering the site, tracking users movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies for on our website in order to personalize our service to you. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the Website.

Behavioral Targeting / Re-Targeting

We may partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third-party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests.

Third parties will not be given your personal information unless you ask us to do so:

There are a number of products and services that may be offered by third parties on our Site, such as lenders, banks, credit bureau, scores, KYC Checks etc. (collectively, “CapitaWorld Offers”). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of these external services providers before deciding to use their services. CapitaWorld is not responsible for their privacy practices.

Testimonials, Blogs and other forums on CapitaWorld

With your consent we may post your testimonial along with your name. If you want your testimonial removed please contact us at info@CapitaWorld.com.

If you use a blog or other public forum on our Site, any information you submit there can be read, collected or used by other users and could be used to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these forums. These forums may be hosted by CapitaWorld or by one of our third party service providers on CapitaWorld behalf. To request removal of your personal information from our blog or community forum, contact us at info@CapitaWorld.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Additional Policy Information

Widgets Our Web site includes Widgets, which are interactive mini-programs that run on our site to provide specific services from another company (e.g. displaying the news, opinions, music, etc). Personal information, such as your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it

Single Sign-On You can log in to our site using sign-in services such as Facebook, Google or an Open ID provider. These services will authenticate your identity and provide you the option to share certain personal information with us such as your sign-in information, name and email address to link between the sites.

Like Button If you use the “Like” button to share something, that item will appear on your Facebook profile page and also on your friends’ newsfeed, depending on your Facebook privacy settings. You may also receive updates in your Facebook newsfeed from this site or item in the future. Facebook also collects information such as which pages you have visited on this and other sites that have implemented the “Like” button.

Links to 3rd Party Sites Our Site includes links to other Web sites whose privacy practices may differ from those of CapitaWorld. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any Web site you visit.

Disclosure of your information to protect our rights or if required by law

Notwithstanding the foregoing, CapitaWorld reserves the right (and you authorize CapitaWorld) to share or disclose your personal information when CapitaWorld determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:

  1. As required by law
  2. When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request,
  3. If CapitaWorld is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information,
  4. To any other third party with your prior consent to do so.

Email & SMS communications from us and our partners

We provide our registered customers with periodic emailers and email/SMS alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting CapitaWorld or third-party goods or services. CapitaWorld subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts.

We keep your data secure

We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at info@CapitaWorld.com.

We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect CapitaWorld accounts and systems from unauthorized access.

When you register for the Service, CapitaWorld requires a password from you for your privacy and security. CapitaWorld transmits information such as your Registration Information for CapitaWorld or Account Credentials securely.

Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us. All backup drives and tapes also are encrypted.We enforce physical access controls to our buildings.No employee may put any sensitive content on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop).

All private information is encrypted and communicated securely

All communications between your computer and CapitaWorld that contain any personal information are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.

You are responsible for maintaining the confidentiality of your login id and password

You are responsible for maintaining the security of your Login ID and Password, and may not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at info@CapitaWorld.com. We are not responsible if someone else accesses your account through Registration Information they have obtained from you or through a violation by you of this Privacy and Security Policy or the CapitaWorld Terms of Use.

If you have any security related concern, please contact us at info@CapitaWorld.com We will work closely with you to ensure a rapid and personal response to your concerns.

Whenever there is a change to our Privacy and Security Policy we post updates on our website

We may update this privacy policy to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact us with any questions or concerns

If you have questions, comments, concerns or feedback regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to info@CapitaWorld.com.