Introduction
ARTH “Arthimpact Digital Loans Private Limited” (hereinafter referred to as “ARTH” or “Company”) recognizes the expectations of its customers with regard to privacy, confidentiality and security of their personal information that resides with the Company. Keeping personal information of customers secure and using it solely for activities related to the Company and preventing any misuse thereof is the foremost priority of the Company. This Privacy Policy governs the way in which the Company collects, uses, discloses, stores, secures, and disposes of personal information and sensitive personal data or information.
Definitions
"Personal Information" means any information that relates to a natural person, which is capable of identifying such person, either directly or indirectly, either independently or in combination with other information, either available or likely to be available with the Company.
"Sensitive Personal Data or Information" iof a person or business legal entity means such personal / business information which consists of information relating to any or all of the following:
- password;
- financial information such as details pertaining to a Bank account or credit card or debit card or any other payment instrument.
- physical, physiological, and mental health condition
- sexual orientation
- medical records & history
- biometric information
- any detail relating to the above clauses as provided to the Company for providing service, or received by the Company for processing, stored or processed under lawful contract or otherwise.
- know Your Customer (KYC) and other information provided by the customer at the time of commencing a relationship or any time thereafter.
- information about transactions with the Company.
Provided that the following shall not be regarded as sensitive personal data or information for the purposes of this policy:
- any information that is freely available or accessible in the public domain or furnished under the Right to Information act, 2005 or any other law for the time being in force.
- information obtained from a business legal entity in addition to "personal information".
- has been obtained by the Company from a third person without any obligations of confidentiality.
- furnished pursuant to any directions of a governmental authority or court of law.
- was rightfully in the Company’s possession prior to receipt from the customer free of any obligation of confidence.
Applicability
This Policy is applicable to Personal Information and Sensitive Personal Data or Information collected by the Company or its affiliates directly from the customer or through the Company’s online portals, mobile apps, and electronic communications as also any information collected by the Company’s server from the customer’s browser, governed by the Digital Personal Data Protection Act, 2023 (DPDP Act) and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (SPDI Rules).
Purpose & Objective
This Policy serves to outline the privacy measures followed by the Company to safeguard the data entered by customers on its web portal and application. The authenticity of the Personal Information or Sensitive Personal Data or Information provided by the customer shall not be the responsibility of the Company.
Disclosures of Personal Information
The Personal Information or Sensitive Personal Data or Information collected by the Company shall not be disclosed to any other organization except:
- where the disclosure has been agreed upon in a written contract or otherwise between the Company and the customer.
- where the Company is required to disclose the personal information to a third party on a need-to-know basis, provided that in such case the Company shall inform such third party of the confidential nature of the personal information and shall keep the same standards of information/ data security as that of the Company.
- furnished pursuant to any directions of a governmental authority or court of law.
- The inclusive list of the details of third parties (where applicable) allowed to collect personal information through ARTH will be updated from time to time.
Collection of Information
ARTH collects, stores, and utilizes information about customers through various channels, including:
- Interactions with the Site: When a customer visits, uses, views, or otherwise interacts with the Site.
- Other engagements: Information submitted directly or indirectly for availing ARTH’s services.
Use of Collected Personal Information
Rest assured, the Company will handle Customer’s Personal Information responsibly, fairly, and in accordance with this Policy and applicable laws. Customer’s Personal Information is used to provide the Services they request through our Platform. The way ARTH uses Customer’s information depends on the purpose of their interaction with ARTH and the specific Service they seek. Below are some purposes for which the Company processes Customer’s Personal Information:
- To conduct market research and surveys aimed at improving ARTH’s offerings.
- To personalize Customer’s experience and provide tailored content based on their preferences.
- To create Customer’s user login ID and identify them upon registration on the Platform.
- To send communications such as notifications, newsletters, and tailored mailers.
- To inform Customer about new products, services, and special offers, including third-party promotions or features of interest.
- To respond to Customer’s questions, requests, complaints, or feedback.
- To enhance usability, troubleshoot issues, and perform site/web application maintenance.
- To help maintain a secure and safe service environment.
- To create aggregated statistical data, which may be used by the Company or their partners to improve Services.
- To enhance user experience and overall Service quality through information gathered from cookies.
- To detect, prevent, investigate, or address illegal activities, suspected fraud, or breaches of Company’s Terms of Use.
- To comply with applicable laws and regulations.
Location Information
We may collect and use your location (through GPS or approximate area/pincode) to provide better service and facilities in your region. This includes: Identifying service coverage and availability in your area. Showing offers, pricing, and delivery options relevant to your location. Connecting you to the nearest service provider for faster and accurate service. You may choose to allow location access or manually enter your pincode. If you deny location access, you can still use the app by providing your area/pincode manually. We do not use your location for background tracking, advertising purposes, or sharing with third parties. Location is accessed only when required to check service availability.
Review, Correction & Retention of Personal Information
Customers may access, review, and request corrections or updates to their Personal Information or Sensitive Personal Data at any time. While certain data may be retained for legal, regulatory, or policy purposes, customers may withdraw consent or request deletion by contacting the Company. For clarity, data collected through the Company’s website will not be shared with third parties for promotional or marketing purposes.
Reasonable Security Practices & Procedures
The Company places utmost priority on safeguarding customers’ Personal Information and Sensitive Personal Data and implements physical, electronic, and procedural safeguards in line with applicable laws. Reasonable security measures, including industry-standard encryption, are maintained to prevent misuse, loss, unauthorized access, alteration, or disclosure of such data. The Company also ensures that its employees and affiliates uphold strict confidentiality obligations with respect to all customer information.
Exclusions
Notwithstanding anything mentioned in the Policy, the Policy shall exclude information that is needed to be shared with others due to extant regulations e.g. credit bureaus, Central KYC Registry, Registrar of Companies and the RBI, and also where the Company is legally bound to disclose information including but not limited to Financial Intelligence Unit, Enforcement Directorate, Income Tax department or as required by a court of law or tribunal.
Contact Information
In order to address any discrepancies or queries related to the personal information residing with the Company, the customer may write to support@trade-on.ai.
Customers not satisfied with the response or resolution from the Customer Support may write to Grievance Officer at grievance@trade-on.ai.
The Website & Web-Application operated by the Company shall categorically provide the details of the Customer Support & Grievance Redressal Mechanism established by the Company.