1. GENERAL
a. This Website with the URL of https://nivumicrofinance.com/ ("Website/Site") is operated by NIVU MICRO FINANCE PRIVATE LIMITED ("We/Our/Us"). We are committed to protecting and respecting your privacy. We collect your personal information and process your personal data in accordance with the IT Act, 2000 (21 of 2000) and other national and state laws that relate to the processing of personal data. Please read the following carefully to understand our views and practices regarding your personal data.
b. We collect your personal information in order to provide and continually improve our products and services.
c. Our privacy policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this policy periodically.
d. All partner firms and any third-party working with or for Us, and who have access to personal information, will be expected to read and comply with this policy.
2. HOW WE COLLECT THE INFORMATION
a. From you directly and through this Site: We may collect information through the Website when you visit. The data we collect depends on the context of your interactions with our Website.
b. Through business interaction: We may collect information through business interaction with you or your employees.
c. From other sources: We may receive information from other sources, such as public databases; joint marketing partners; social media platforms; or other third parties such as:
I. Information about your interactions with the products and services offered by our subsidiaries.
3. INFORMATION WE COLLECT
a. We collect information primarily to provide better services to all of our customers.
b. When you visit our Site, some information is automatically collected. This may include information such as the Operating System (OS) running on your device, Internet Protocol (IP) address, access times, browser type, and language, and the website you visited before our Site. We also collect information about how you use Our products or services.
c. We automatically collect purchase or content use history, which we sometimes aggregate with similar information from other customers to create features such as Best Seller, Top Rated, etc.
d. The full Uniform Resource Locators (URL) clickstream to, through and from our website (including date and time); cookie number; products and/or content you viewed or searched for; page response times; download errors; length of visits to certain pages; page interaction information (such as scrolling, clicks, and mouse-overs).
e. We automatically collect information using "Cookies". Cookies are small data files stored on your hard drive. Among other things, cookies help us improve our Site, our marketing activities, and your experience. We use cookies to see which areas and features are popular and to count visits to our Site.
f. Most Web browsers are set to accept cookies by default. If you prefer, you can choose to set your browser to remove cookies and to reject cookies. If you set your browser to reject cookies, some features will be unavailable. For more information on how to reject cookies, see your browser's instructions on changing your cookie settings.
g. By using this Website, you are agreeing that We may advertise your feedback on the Website and marketing materials.
h. We will retain your information as long as we require this to provide you with the goods and services and for such period as mandated by the laws concerned.
i. If you opt to receive marketing correspondence from us, subscribe to our mailing list or newsletters, enter into any of our competitions or provide us with your details at networking events, we may use your personal data for our legitimate interests in order to provide you with details about our goods, services, business updates and events.
4. HOW WE USE INFORMATION
a. We use the information we collect primarily to provide, maintain, protect, and improve our current products and services.
b. We use the information collected through this website as described in this policy and we may use your information to:
I. Improve our services, Site and how we operate our businesses;
II. Understand and enhance your experience using our Site, products, and services;
III. Personalize our products or services and make recommendations;
IV. Provide and deliver the products and services you request;
V. Process, manage, complete, and account for transactions;
VI. Provide customer support and respond to your requests, comments, and inquiries;
VII. Create and manage the online accounts you manage on our Website;
VIII. Send you related information, including confirmations, invoices, technical notices, updates, security alerts and support and administrative messages;
IX. Communicate with you about promotions, upcoming events, and news about products and services;
X. We may process your personal information without your knowledge or consent where required by applicable law or regulation for the purposes of verification of identity or for prevention, detection, or investigation, including of cyber incidents, prosecution, and punishment of offences;
XI. Protect, investigate, and deter against fraudulent, unauthorized, or illegal activity.
5. DATA TRANSFER
a. Information about our users is an important part of our business and we take due care to protect the same.
b. We share your data with your consent to complete any transaction or provide any product or service you have requested or authorized. We also share data with our affiliates and subsidiaries, with vendors working on our behalf.
c. We may employ other companies and individuals to perform functions on our behalf. The functions include fulfilling orders for products or services, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, providing marketing assistance, providing search results and links (including paid listings and links), processing payments, transmitting content, scoring credit risk, and providing customer service.
d. These third-party service providers have access to personal information needed to perform their functions but may not use it for other purposes. Further, they must process the personal information in accordance with this Privacy Policy and as permitted by applicable data protection laws.
e. We release accounts and other personal information when we believe it is appropriate to comply with the law, enforce or apply our conditions of use, and other agreements, and protect the rights, property or safety of Us, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.
6. COOKIES
a. To optimize our web presence, we use cookies. These are small text files stored on your computer's main memory. These cookies are deleted after you close the browser. Other cookies remain on your computer (long-term cookies) and permit its recognition on your next visit. This allows us to improve your access to our site. This helps us to learn more about your interests and provides you with essential features and services, including:
I. Keeping track of items stored in your shopping basket.
II. Conducting research and diagnostics to improve the content, products, and services.
III. Preventing fraudulent activity.
IV. Improving security.
b. Our cookies allow you to take advantage of some of our essential features. For instance, if you block or otherwise reject our cookies, you will not be able to add items to your shopping basket, proceed to checkout, or use any products or services that require you to sign in.
c. Approved third parties also may set cookies when you interact with Our services.
d. Third parties include search engines, providers of measurement and analytics services, social media networks, and advertising companies.
e. Third parties use cookies in the process of delivering content, including ads relevant to your interests, to measure the effectiveness of their ads, and to perform services on behalf of Us.
f. You can manage browser cookies through your browser settings. The 'Help' feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, how to disable cookies, and when cookies will expire. If you disable all cookies on your browser, neither We nor third parties will transfer cookies to your browser.
7. YOUR RIGHTS
a. You have the right to:
I. Request access to your personal data.
II. Request correction of your personal data.
III. Request erasure of your personal data.
IV. Object to processing of your personal data.
V. Request restriction of processing your personal data.
VI. Request transfer of your personal data.
VII. Right to withdraw consent.
b. You can usually exercise these rights free of charge, and we aim to respond to your request within a reasonable timeframe (in any case within 1 month of your request). These rights are subject to limitations, exceptions, and exemptions under applicable law.
8. SECURITY
a. We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage, and processing practices, and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.
b. We restrict access to personal information to employees, contractors, and agents who need to know that information in order to operate, develop, or improve our services.
c. We do not compromise with the security measures to protect your personal information. However, in the event of a data breach, you will be promptly informed.
9. THIRD-PARTY LINKS
a. Our Website may contain links to and from third-party websites, plug-ins, applications, and advertisements. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our Website, we encourage you to read the privacy notice of every website you visit.
10. CHANGES TO THIS POLICY
We may change this policy from time to time. If we make any changes to this policy, we will change the "Last Updated" date above. You agree that your continued use of our services after such changes have been published to our services will constitute your acceptance of such revised policy.
11. NEWSLETTER
a. Following your subscription to the newsletter, your e-mail address is used for our advertising purposes until you cancel the newsletter again. Cancellation is possible at any time. The following consent has been expressly granted by you: