1. INTRODUCTION

This Privacy Policy seeks to comply with the provisions of the Information Technology Act, 2000 (“Act”) and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (“Rules”). It governs the collection, use, storage, and transfer of sensitive personal data or information by 1Fi Technology (“1Fi,” “Company,” “We,” “Us,” or “Our”). This policy applies to our website (www.1fi.in and www.onefinancial.in),
mobile applications, SDKs, and other related services offered under the brand name “1Fi” (collectively referred to as the “Platform”).

By visiting or accessing the Platform, you (“You” or “Your”) agree to the terms of this Privacy Policy. This Privacy Policy is part of and must be read in conjunction with our Terms of Use. We reserve the right to update or modify this Privacy Policy at any time without prior notice.

2. DATA WE COLLECT ABOUT YOU

We collect, transmit, and store personal data to provide our services. The types of information we may collect include:

• Identity and Profile-Related Data: Name, parent’s/husband’s name, date of birth, gender, photograph/video, educational qualifications, address, employment
  status, company name, contact information, and marital status.
• KYC Data: Identification details like Aadhaar, PAN number, and documents for identity/address proofs (e.g., Aadhaar, PAN, passport, Voter ID, driving license).
• Profile assessment data: Goals related details, income details and risk preference
• Financial Data: Past credit history, income details, loan details, bank account details, bank statements and investment details
• Device Data: IP address, browser type and version, time zone setting, operating system, and device information.
• App Data: Information about installed applications to assess creditworthiness.
• Data from SMSs: Financial SMS data to identify bank accounts, cash flow patterns, and transactions for credit risk assessment.
• Transaction Data: Details of transactions on the Platform.
• Other Information: Data collected through cookies, tracking technologies, and publicly available sources.

3. HOW WE COLLECT DATA ABOUT YOU

We collect your data through various methods, including:

• Information You Provide: Data you provide when using our services, registering on the Platform, or communicating with us.
• Automatic Collection: Data automatically collected when you interact with our Platform (e.g., through cookies).
• Information from Third Parties: Data from third parties, such as credit bureaus, business partners, and publicly available sources.

4. HOW WE USE YOUR PERSONAL DATA

We use your personal data to:

• Provide and manage our services.
• Provide investment recommendations
• Facilitate your loan applications and transactions.
• Communicate with you about the Platform and services.
• Improve our Platform and services.
• Comply with legal obligations.
• Respond to court orders or legal requests.

5. HOW WE STORE AND RETAIN DATA ABOUT YOU

Your data is stored securely within India and retained as long as necessary to fulfill the purposes outlined in this Policy or as required by law. We implement appropriate security measures to protect your data from unauthorized access, disclosure, alteration, or destruction.

6. HOW WE SHARE YOUR PERSONAL DATA

We may share your data with:

• Lending Partners and Service Providers: To facilitate services, loans, and transactions.
• Group and Affiliate Companies: For offering their products and services.
• Legal and Regulatory Authorities: When required by law or legal processes.
• Third Parties: In the event of business mergers, sales, or reorganization.

7. ACCESS AND UPDATING YOUR PERSONAL DATA

You are responsible for ensuring that the data you provide is accurate and up-to-date. You can review and correct your data by contacting us.

8. DATA SECURITY

We use industry-standard security measures to protect your data. However, no method of transmission over the internet or electronic storage is completely secure. We encourage you to take steps to protect your data, such as keeping your account credentials confidential.

9. THIRD-PARTY WEBSITES

Our Platform may contain links to third-party websites. We are not responsible for the privacy practices or content of these sites. We recommend reviewing their privacy policies before providing any personal information.

10. COOKIES

We use cookies and similar technologies to enhance your experience on our Platform. You can control the use of cookies through your browser settings, but this may affect your ability to use certain features of the Platform.

11. YOUR CONSENT TO PRIVACY POLICY

By using our Platform, you consent to the collection, use, and sharing of your information as described in this Privacy Policy. You may withdraw your consent at any time by contacting us, but this may limit your ability to use the Platform and our services. You can edit/modify or delete Your information by writing to support@1fi.com

12. CHANGES TO PRIVACY POLICY

We may modify this Privacy Policy from time to time. Changes will be posted on our Platform, and your continued use of the Platform constitutes acceptance of the updated policy.

13. GOVERNING LAW & JURISDICTION

This Privacy Policy is governed by the laws of India and any disputes will be subject to the exclusive jurisdiction of the courts in Gurgaon, Haryana.

14. GRIEVANCE OFFICER

For any questions or concerns, you can contact our Grievance Office at grievanceofficer@1fi.in