ShubhBank

At Shubhbank.com we ask for and use your personal information and are committed to keep this information secure. This policy talks about why we ask for personal information and how we keep it secure. Please note that during the course of your relationship with the Shubhbank.com you will be given more of such information. We request you to please consider it carefully. We also request you to review our privacy policy from time to time because your use of our products and services provided on this website implies your acceptance of the prevailing Privacy Policy. If you do not agree with this privacy policy in its entirety, you must not use this website or products and/or services provided on it.

In this privacy policy, the following terms have the meanings set out below:

1. “Shubhbank.com”, “we”, “us” and “our” means ECLAT NET ADVISORS PRIVATE LIMITED which owns and operates the website www.shubhbank.com (“Website”).
2. “you” and “your” means a user of the website and avails the products & services provided through it.

Information we collect from you

The following information will be collected from you during the use of this website. Please note that the following list is inclusive but not exhaustive.

1. Information about you when you register or when you use our Website / App;
2. Personal and financial information like your name, address, date of birth, contact details, PAN No., bank account details, other financial information i.e, salary/ income details etc.
3. Credit related information that is collected from other sources like the credit bureau;
4. Information about your transaction history like spend data, through our app. etc.
5. Your unique identifiers such as username and password, preferences information and transaction history;
6. Information collected through Facebook, Twitter, Linkedin or other social media accounts of the Users which have been linked to the account on the Website.
7. Information that you provide when you write directly to us (including by e-mail) or provide over telephone;
8. Any other information that Shubhbank.com requires to be collected as per specific mandate by a bank/ NBFC or as required under any law;
9. Information from your electronic media usage-like the pages viewed, how you navigate through the website and interact with webpages, etc.

The information we collect about you will depend on the products and services we offer, on an ongoing basis. If you do not allow us to collect all the information we request, we may not be able to deliver all of these services effectively.

How we use the given information

We may use the information provided by you in the following ways, viz:

1. To establish identity and assess applications;
2. Monitor, improve and administer our Website;
3. Design our products, offer our products and services, manage our risks including the risk of fraud;
4. Analyze how the Website is used, diagnose service or technical problems and maintain security;
5. Manage our relationship with you, or get in touch with you to send communications, notifications, information; or to manage and process queries and applications that you have made and/ or communicate with you regarding other products and services we think may be of interest to you;
6. Improve on our business management and effectiveness for our customers;
7. Comply with laws of land and regulations applicable;
8. To capture the user information given in the application forms and other such documents uploaded by you on our website such as KYC documentation, bank statements and credit information,;
9. Share the information with multiple financial institutions and other lenders for customization of offers and provision of services;
10. Share the documents uploaded by the User with other users for availing the services as set out in the terms and conditions.
11. Use this information in any other way as permitted by law.

Cookies

Cookies are small data files that a website stores on your computer. We shall use cookies on our Website similar to other lending websites and online marketplace websites. This information helps us identify you in order to make our web portal more user friendly. We might also use this information to display advertising from third party. Most browsers will let you decline cookies but if you choose to do this it might affect service on some parts of our website.

We might also use other technology to track how you interact with our portal and employ some third party agencies to use the data on our behalf.

Information security

We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption using SSL, and information access authorization controls

However, you understand and accept that there’s no guarantee that data transmission over the Internet will be completely secure and that any information that you transmit to us is at your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorized third party access to our Website and databases or other acts of third parties, or acts or omissions beyond our reasonable control and you shall not be entitled to hold Shubhbank.com responsible for any breach of security.

Third party websites

With this policy we are only addressing the disclosure and use of data collected by us. If you visit any of the websites through the links on Shubhbank.com Website, please ensure you go through the privacy policies of each of those websites. Their data collection practices and their policies might be different from this policy and Shubhbank.com does not have control over their policies.

If it so happens that Shubhbank.com is part of a merger, acquisition or amalgamation, your data might be part of the deal with that third party and then it will be transferred to that third party.

Disclosure

During the course of operations and our relationship with you we might disclose your information to third parties associated with Shubhbank.com and the govt.authorities and other judicial bodies as mandated by the law and in order to comply with legal obligations.

If you have any questions or concerns about our privacy policy please contact us at help@shubhbank.com and we will be happy to assist you.