Privacy Policy
1. Introduction
Aavas Financiers Limited ("Aavas") is committed to your online privacy and have set up process and procedures for appropriate protection and management of any personally identifiable information you share with us. This Privacy Notice ("Notice") describes how Aavas collects, uses, discloses and transfers personal information of users through this website www.aavas.in, mobile applications which includes but not limited to Nirman app, Loan app, Mitra app, Technical Valuation app, Omnifin app, Risk Management app or its extensions or availing the products and services vide the online application form or other such platforms (collectively referred to as "platform").
This Notice applies to those who visit this platform (hereinafter referred to as "Users"). For the purpose of this notice, "You" or "Your" shall mean the individual accessing the platform, and "We", "Our" or "Us" shall mean Aavas.
The purpose of the website/mobile applications is provide information about but not limited to housing loans, MSME business loans, recruitment, Employee Engagement etc.
2. Type of Personal Information Collected by Aavas
"Personal information" (PI) - means any information relating to an identified or identifiable natural person including common identifiers such as a name, an identification number, location data, location tracking an online identifier or one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person and any other information that is so categorized by applicable laws.
We may use the IP address, device details and track location from which you interacts with our digital property like a website or mobile app including but not limited to Nirman app, Loan app, Mitra app, Technical Valuation app, Omnifin app, Risk Management app and analyze this data for trends and statistics independently or as per our agreement with our third-party service providers. The data provided by you shall be retained by us till the time it may be required for providing our services or any other additional products/services of us and our affiliates.
a. Information provided by you
The following information is provided by you through the website/ App:
Name, Username and Password created on the website;
Full Name, Photograph, Contact No, Email ID, Date of Birth, Age, Gender, Aadhar Number, PAN, Passport No, Current Address, Permanent Address, Current CTC, Work Experience, Bank Account details, Financial Background, etc.,
Information that would generally be include in a Resume/CV including but not limited to, Work Experience, Last drawn Salary, Educational details, etc. including certain Sensitive Personal Information. This also includes uploading digital copies relating to the above data fields (ex. Resume, CV, Copy of Aadhar Card, PAN, Education Certificates, Salary Certificate, etc.).
Physical, physiological and mental health condition;
Medical records and history;
Banking details like Bank account no., Branch, IFSC code etc.
Detail of Individuals for reference checks
This also includes uploading digital copies relating to the above data fields (ex. Copy of Aadhar Card, PAN, Bank Account details, etc.).
By providing the above information through this web interface, you also hereby accord consent, to such data being voluntarily provided by you, in pursuit of careers through Aavas, and such data is required for processing only to the extent that is necessary, as part of recruitment and related activities with respect to employment.
By providing the above information through this web interface, you also hereby accord consent, to such data being voluntarily provided by you, in pursuit of careers through Aavas, and such data is required for processing only to the extent that is necessary, as part of recruitment and related activities with respect to employment.
Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as personal data or information for these purposes.
b. Information that we collect
When you visit the Platform, we use cookies to automatically collect, store and use technical information about your system and interaction with our Platform. When you use a device to access the Platform, we may collect technical or other related information from the device as well as the device location.
To the extent permitted by law, we may record and monitor your communications with us to ensure compliance with our legal and regulatory requirements and our internal policies.
If you choose to sign in with your social media account to access the Platform, or otherwise connect your social media account with the services of the Platform, you consent to our collection, storage, and use, in accordance with this Privacy Policy, of the information that you make available to us through the social media interface. Please see your social media provider's privacy policy and help centre for more information about how they share information when you choose to connect your account.
3. How we may use the Information
The information so collected, would be used to the extent required by us for providing our services, and internal processes, in a fair and reasonable manner. This includes but not limited to the following activities:
Evaluation for loan,
Loan processing,
Background verification - including identify verification, due diligence, etc.,
Recruitment related verification,
Recruitment Management,
For improving the website and its content,
Determining, exercising or defending our legal rights in connection with legal proceedings (including any prospective legal proceedings)
Our
use of or processing of your personal data depends on the nature of
service and your interactions with us.
Aavas processes the
information based on your consent, in order to process your Personal
Information in certain situations.
4. Sharing of Information
We restrict access to the "Users" personal information to our employees based on their roles, to fulfil their job responsibilities with respect to recruitment process. We do not disclose, transfer or share your information with others, except with third parties including but not limited: Background verification agencies, regulatory authorities, Valuers, Advocates, Insurers, Web Service Providers, Webserver administrator, SAS Vendors, etc. This includes third parties from enforcement, regulatory and judicial authorities, to the extent required under law or for judicial / legal proceedings of the past, present or futuristic.
We take reasonable measures and procedures to ensure that the third-parties we share your information to are obligated to protect your Personal Information and are also subject to appropriate confidentiality / non-disclosure obligations.
5. Redirection/Third Party Sites
This platform contains pointers, re-direction links, to third-party sites relating to payment gateway.
We do not intent to include advertisement or links to other sites, other than those pointers/sites mentioned above. However, it is possible that the platform might sometimes contains links to other sites that are not governed by this Privacy Notice.
We recommend that you review the privacy notice or related statements of such third-parties. We do not make any representation or warranties regarding how your information is stored or used on third-party platforms or servers.
6. Use of Cookies
Our platform use cookies and tracking technologies to reduce loading time, collect information for analyzing, preferences, etc.
A "cookie" is a small text file that may be used, for example, to collect information about platform activity. Some cookies and other technologies may serve to recall Personal Information previously indicated by a user. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. HTTP cookies, Web content cookies, advertisement, session cookies, flash cookies, permanent cookies etc.
Tracking technologies may record information such as Internet domain and host names, Internet protocol (IP) addresses, browser details and operating system types, clickstream patterns, dates and times that our platform is accessed. Our use of cookies and other tracking technologies allows us to improve our platform.
7. Security of Data Collected
The data provided by you shall be processed and retained by Aavas in a confidential manner and utilised only for specific and lawful purposes consented to. Through our processes and procedures, we take reasonable measures, to ensure that the data collected is secure.
By accepting the terms of this Privacy Notice, you agree that the standards and processes being implemented by us, are reasonable and sufficient for the protection of your Personal Information.
8. Confidentiality of data collected
The personal information collected is securely stored, with encryption enabled for sensitive fields, with access restricted to the same. The data in transit is encrypted using the encryption methods SHA 256.
At present the transfer/sharing of information with third parties is restricted to the extent mentioned in Para 4 & Para 5 above. However, future updates/upgrades to the platform could use some third party API and exchange user behavior data.
By accepting the terms of this Privacy Notice, you agree that the standards and processes being implemented by us, are reasonable and sufficient for the protection of your Personal Information.
9. Storage of Personal Data
Information collected from you will be stored only on servers located within the geographical territory of India.
10. Retention of Personal Information
We will not retain the information collected any longer than it is necessary for the purposes for which the Personal Information is processed and/or in accordance with legal, regulatory, contractual or statutory obligations as applicable. Our general retention period shall be a minimum of 5 years. Aavas shall delete or archive the personal data at the end of period.
These may include retention periods mandated by legal, contractual, or similar obligations; for resolving, preserving, enforcing or defending our legal and contractual rights; needed to maintain adequate and accurate business and financial records or how you access, update, or delete your data etc.
15. Privacy Policy related to Software Development Kit Integration ( Neenv and Customer App)
This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.
We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
For the purposes of this Privacy Policy:
Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Application means the software program provided by the Company downloaded by You on any electronic device, named sharpsell.
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Sharpsell Technology Solutions Pvt. Ltd., 604, 6th Floor, The Summit Business Bay – Omkar, Behind W.E.H. Metro Station, Andheri (East), Mumbai – 400 093.
Country refers to: Maharashtra, India.
Device means any device that can access the Service such as a computer, a cell phone or a digital tablet.
Personal Data is any information that relates to an identified or identifiable individual.
Service refers to the Application.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Types of Data Collected
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or
identify You. Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Phone number
Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device's Internet.
Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.
While using Our Application, in order to provide features of Our Application, We may access, with Your prior permission:
We Collect your contact details to search your contact list.
This is to assist you to share content from this app over WhatsApp and other means
We Collect this information only while you use this app, on the click of 'Apply' button.
This information is not stored or shared with a third party.
You can change this permission anytime from your mobile settings
We require the access to your device's camera to take images for adding profile pictures, to add images to presentations, and to record videos to submit roleplay challenges
We need this access only while you use this app, on the click of camera option in Profile section and Product Presentations, and on the click of Start Recording button in Roleplay Challenges
The recorded Roleplay Challenge video is stored in our servers and shared for review with the reviewers
The pictures taken for Profile image are not shared by the app with any third party
The pictures added to Product Presentations can we shared by you along with the presentations
You can change this permission anytime from your mobile settings
We require access to your microphone to record the audio for video on the Roleplay Challenges
We need this access only while you use this app, on the click of Start Recording button in Roleplay Challenges
The recorded Roleplay Challenge video is stored in our servers and shared for review with the reviewers
You Can change this permission anytime from your mobile settings
We require access to images in your Gallery for adding Profile picture, and to add images in Product Presentations
We need this access only while you use this app, on the click Gallery option in Profile Section and Product Presentations
Only the images selected by you will get added to the presentations which can be shared by you.
You can change this permission anytime from mobile settings
We use this information to provide features of Our Service, to improve and customize Our Service. The information may be uploaded to the Company's servers and/or a Service Provider's server or it may be simply stored on Your device.
You can enable or disable access to this information at any time, through Your Device settings.
The Company may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other services and events which we offer that are similar to
those that you have already viewed unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and
improve our Service, products, services, marketing and your experience.
We may share Your personal information in the following situations:
With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
With Your consent: We may disclose Your personal information for any other purpose with Your consent.
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to
improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Your information, including Personal Data, is processed at the
Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental
jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy
Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different
Privacy Policy.
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal
Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your
information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that
information.
Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
We may update Our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
We will let you know via email and/or a prominent notice on our
Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
If you have any questions about this Privacy Policy, You can contact us by visiting this page on our website: https://www.sharpsell.ai/contact
11. Update to Notice
Aavas reserves the right to update, change or modify this Privacy Notice at any time. The Privacy Notice shall come to effect from the date of publication of such update, change or modification.
12. Consent and Acceptance of this Privacy Notice
We collect and process your Personal Information, based on the following legal grounds:
a. Consent:
Aavas
relies on your consent in order to process your Personal Information
in certain situations.
By accepting the terms of this Privacy Notice, and providing the information through this platform, you also hereby accord consent, to such data being voluntarily provided by you, in pursuit of loans, borrowing, or careers through Aavas, and such data is required for processing only to the extent that is necessary, as part of loan processing, restructuring, collection, recruitment and other related activities.
If we require your consent to collect and process certain Personal Information, as per the requirements under the applicable data protection laws, your consent sought through acceptance of this Privacy Notice is used for the said purposes.
b.
Grounds For Processing Of Personal Data Without Consent
The
personal data may be processed without consent if such processing is
necessary,
for the performance of any function of the State authorised by law,
under any law for the time being in force made by the Parliament or any State Legislature,
for compliance with any order or judgment of any Court or Tribunal in India,
to respond to any medical emergency involving a threat to the life or a severe threat to the health of the data principal or any other individual,
to undertake any measure to provide medical treatment or health services to any individual during an epidemic, outbreak of disease or any other threat to public health,
to undertake any measure to ensure safety of, or provide assistance or services to, any individual during any disaster or any breakdown of public order; or
for such reasonable purposes as may be specified by regulations
13. Governing Law and Jurisdiction
Aavas seeks to ensure compliance with the requirements of the Information Technology Act, 2000 and Rules made there under to ensure the protection and preservation of your privacy.
If any of the parties wish to seek legal recourse, they may do so by using the courts of law in Jaipur, Rajasthan.
14. Disclaimer
Aavas shall not be liable for any loss or damage sustained by Users as a result of any disclosure (inadvertent or otherwise) of any information concerning the User. Aavas is liable only for information that is sought by us during registration, application for job, etc. We are not responsible for any information that you share with us, which is not requested by us.
If you have any questions regarding this Privacy Notice or the protection of your Personal Information, please contact the Grievance Officer as mentioned in Para 15 below.
15. Grievance Officer
In case you have any complaints and/or grievances in relation to the processing of your Personal Information you can send your complaints via e-mail to our grievance officer.
https://www.aavas.in/resource/grievance-redressal-policy