Xtelify Limited terms and conditions

These financial product terms and conditions (the “Terms”) are applicable to Customers(defined below) who have accepted to avail the financial product on Airtel Digital Platform (defined below).These Terms are entered into by:

1. The individual availing the Financial Product (“Customer”);


2. Airtel Digital Limited, a company incorporated under the laws of India and whose registered office is at Bharti Crescent, 1 Nelson Mandela Road, Vasant Kunj, Phase II, New Delhi 100 070, India (“Airtel Digital”), is engaged in the business of providing digital platforms services to various entities, including but not limited to Thanks App (“Airtel Digital Platform”)

Whizdm Innovations Private Limited and DMI finance(the “Partner”) is facilitating access to loan facilities or such other products and services (the “Financial Product”), offered by banks and non-banking financial companies which the Partner has partnered with (“Lender”) for the Customer.

Airtel Digital is duly appointed as a marketplace provider by the Partner and to promote the Financial Product on its behalf, only upon Customer’s acceptance to avail the financial facility.

These Terms shall constitute a binding contract between us and you when you accept the Terms and shall be deemed to constitute sufficient proof that you have read, understood and accepted these Terms. Together with the Partner’s terms and conditions (as set out under Exhibit-I), these Terms constitute the entire rights, obligations and remedies in respect of your use of the Financial Product.

If you do not agree to these Terms you must not proceed to avail the Financial Product

Without prejudice to any other specific requirement which may be laid out in these Terms, your acceptance of these Terms as aforesaid shall be deemed to be a representation from you that you are above 18 years of age, or possess legal parental or guardian consent, and are fully able and competent to enter into the Terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms, and to abide by and comply with these Terms.

“We”, “our” and “us” refer to Airtel Digital. “You”, “Your” refer to the Customer.

The Financial Product is offered to you as per the Terms mentioned herewith:

1. These Terms are applicable for the Financial Product offered on Airtel Digital platform.


2. You confirm that you do not have any criminal record (i.e. neither convicted nor prosecuted for commission of any criminal offence).


3. You confirm that you are voluntarily, with your own free will availing this offer.


4. You confirm that you have a firm contractual capacity and you are not under any legal disability e.g. insolvency, restraint by court orders etc. or otherwise prohibited from entering any contractual relationship.


5. These Terms are applicable in addition to any terms and conditions that may be applicable between the Partner and you for the purpose of availing the Financial Product.


6. The provision of the Financial Product is at the sole discretion of the Partner or the Lender and the Partner and/or the Lender reserve the right to reject (exercisable in their discretion) the Financial Product to you, with or without any notice or reason and without any liability.


7. Airtel Digital has no role to play pertaining to the offering of the Financial Product or the terms under which the Financial Product is offered to you by the Lender, including but not limited to its issuance, approval, extension, pre-closure or closure of the Financial Product and such matters solely determined by the Lender.


8. Availing the Financial Product will be governed by the terms and conditions prescribed by the Partner and set out under Exhibit-1 and any other terms that the Partner may notify you of, from time to time.


9. By accepting to avail the Financial Product provided by the Lender, you hereby fully and unconditionally release and completely discharge Airtel Digital and its affiliates against any claims (howsoever arising) in respect of availing the Financial Product.


10. You permit that for the purpose of Financial Product and Know Your Customer (“KYC”), Airtel Digital and its affiliates may collect certain personal data (including sensitive personal data)/ information and you voluntarily consent that Airtel Digital and its affiliates will share your consent and your personal data (including sensitive personal data)/information (so requested by the Partner and/or the Lender) in possession of Airtel Digital and its affiliates which was collected from you in respect of your KYC for the Financial Product, with the Partner


11. You acknowledge that Airtel Digital and the Partner may use your personal data (including sensitive personal data) in connection with the Financial Product, including without limitation for transmitting to the Partner and activation of the Financial Product. In this regard, you agree and consent to Airtel Digital to share your information/personal data (including sensitive personal data) pertaining to you with the Partner and the relevant Lender for the Financial Product


12. You agree that Airtel Digital and its affiliates will not be liable to you for any losses or damages suffered by you on account of the Financial Product offered by the Lender, including as a result of any fraud in connection with such Financial Product.


13. You also agree and acknowledge that Airtel Digital and its affiliates will not be liable or responsible for any claim on account of availability or non-availability of the Financial Product on Airtel Digital Platform


14. Airtel Digital will not be held liable for any issue, claim, dispute arising out of or in connection with the Financial Product, in any manner whatsoever.


15. Please contact the relevant Lender or the Partner for any queries in relation to the Financial Product. Such information will be available in Partner’s terms and conditions under Exhibit-I.

You confirm that you have carefully read and fully understood all the Terms mentioned herein and the terms and conditions of the Partner set out in Exhibit-1.

You accept these Terms and conditions unconditionally and agree that these Terms may be amended or modified by Airtel Digital at any time and you will be bound by the amended Terms that are in force.

You declare that all the particulars and information and details given and filled in by you, in the application form available on the Airtel Digital Platform and information provided by you are true, correct and accurate and you have not withheld or suppressed, any material and relevant information from Airtel Digital.

You shall indemnify Airtel Digital and its affiliates (its agents, employees, officers and directors) against all losses, claims, expenses (including legal expenses and attorney fees) suffered by Airtel Digital and its affiliates (its agents, employees, officers and directors) on account of breach of these Terms by you including any legal action and proceedings initiated by you or any third party in connection with these Terms and the Financial Product and any unauthorized access to or storage or transmission of information or personal data (including sensitive personal data) of Airtel Digital and its affiliates (its agents, employees, officers and directors) which are solely attributable to any breach, negligence or fraud by you.

You further authorize Airtel Digital and all its group companies to keep you informed (vide telephone, SMS, mail, E-mail etc.) of all such promotional schemes and/or activities as they may require.

Partner Terms and Conditions

1. WHATS IN THESE TERMS AND CONDITIONS?
   
   These terms and conditions (“Terms”) govern the use of the website https://moneyview.in/(“Website”), and the Services (defined below). Please read these Terms in conjunction with our privacy policy available at https://moneyview.in/privacy-policy-loans (“Privacy Policy”).


2. WHO WE ARE AND HOW CAN YOU CONTACT US?
   
   The Website is made available to “you”, an end user of the Website, by Whizdm Innovations Private Limited (“Money View”, “we”, or “us”). We are a private limited company registered in India under company identification number U72200KA2014PTC075775 and have our registered office at No 17/1, Kadubeesanahalli, Outer Ring Road, Bangalore, Karnataka, India – 560087.
   In order to address any questions or grievances that you may have regarding the use of the Services, please contact our grievance officer.
   Name: Mr.Venkatraman Narayan
   Email Address: grievance@moneyview.in
   Address: No 17/1, Kadubeesanahalli, Outer Ring Road, Bangalore, Karnataka, India – 560087


3. WHO MAY USE OUR WEBSITE?
   
   You may use our Website if you are at least 18 years old and are eligible to enter into a contract under the Indian Contract Act, 1872.


4. OUR WEBSITE IS ONLY FOR USERS IN INDIA
   
   The Services are provided solely in accordance with Indian Laws. We do not represent that the content available on or through our Website is appropriate for use or is available in other jurisdictions.


5. WE MAY MAKE CHANGES TO THESE TERMS
   
   We may amend these Terms from time to time. Every time you use our Website, please check these Terms to ensure you understand the terms that apply to you.


6. WE MAY MAKE CHANGES TO OUR WEBSITE
   
   We may update and change our Website from time to time to reflect changes to our Users’ needs and our business priorities. We will try to give you reasonable notice of any major changes.


7. WE MAY SUSPEND OR WITHDRAW OUR WEBSITE
   
   We do not guarantee that our Website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Website for business, legal and operational reasons. We will try to give you reasonable notice of any such suspension or withdrawal. We shall not be liable for any such addition, modification, suspension or discontinuation of the Services.


8. SERVICES

1. The Website enables you to obtain loans and other credit facilities (“Credit Facilities”) by connecting you to banks, non-banking financial companies or “NBFCs”, and other approved lending institutions (collectively, “Lenders”) based on our preliminary evaluation of your credit worthiness.


2. Access to Credit Facilities is subject to various criteria determined by the Lenders, including but not limited to the credit policies of the Lenders, your credit bureau report, successful completion of the KYC process prescribed by the relevant Lenders, among other things.


3. Based on the consent provided by you, the Website tracks, organises, and analyses your Transaction Information to present to you various credit products. We may share the Transaction Information with our affiliates and Lenders to which you hereby consent. “Transaction Information” means and includes, without limitation:




1. your phone number;


2. your email address;


3. information relating to the transaction in question including identity of the service or product and the price or fee paid or payable in respect thereof.




4. You hereby consent to Money View using your Transaction Information to identify and obtain Credit Facilities that are appropriate for you for which we may charge you a facilitation fee.


5. The services described in this Section 8 collectively constitute the “Services”. Please note that we may from time to time modify existing products, features, or services, or otherwise introduce new features or services on or through the Website. The term “Services” shall include any modification to existing, as well as any new, features, products, or services.


6. You may not deactivate your account prior to the repayment of your Credit Facility in full. In the event that you deactivate your account, at any point prior to the full repayment of your Credit Facility, such an act will not extinguish your responsibilities under the agreement you have with your Lender, and you shall continue to be liable to pay all loan amounts due as per the Credit Facility availed.

9. PROFILE CREATION

1. To access certain features of the Website, you are required to create a profile on the Website (“Profile”). To create a Profile, you must provide us with your email address and phone number, which we will use to authenticate your identity by generating a one-time-password.


2. To use the Website and avail Services, and subject to our Privacy Policy, you are required to allow us to access your location data, storage, and such other device data that we may require to provide you with our Services. If you revoke any of our permissions on the Website, you may not be able to avail the Services.


3. Additionally, you will be required to provide us with the following details including:




1. phone number;


2. email address;


3. gender;


4. your name as provided in the PAN card;


5. date of birth;


6. current address;


7. education qualification; and


8. PAN number.




4. You agree to receive communications from us regarding: (i) information relating to transactions recorded on the Website; (ii) requests for payment; (iii) information about us and the Services; (iv) promotional offers and services from us and our third-party partners; and (v) any other matter in relation to the Services.




1. KYC




1. You may be required to undertake certain know-your-customer (“KYC”) processes with us in order to avail the Services. In this regard, we may (or under the instructions of our Lenders) require you to upload documents and information (“KYC Documents”) that may be necessary to ascertain your eligibility to avail the Credit Facility.


2. You authorise us, and any third-party service provider we may engage with, to process KYC Documents and ascertain your eligibility. Any processing that we undertake shall be in accordance with our Privacy Policy. You agree that such processing may be subject to additional terms of service in the event a third-party processes information under this clause. Further, in the event any additional information, data, or documentation (collectively, “Additional Information”) is required to determine eligibility, you agree to share such Additional Information promptly upon request, and further authorise us to process such Additional Information.


3. To avail the Credit Facilities, you authorise us to share your PAN details with the Lender in order for the Lender to fetch your KYC details from the Central KYC Registry.


4. We collect and process your information in accordance with our Privacy Policy (either for ourselves or on behalf of our Lenders) to enable you to set up your Profile, complete KYC processes or to provide such information to our Lenders as may be necessary to avail the Credit Facility. You agree and warrant to provide true, complete, and up-to-date KYC Documents and Additional Information. If the information provided by you, in our sole discretion, is unreliable or appears to be fraudulent or deficient, then you shall not be eligible to apply for a Credit Facility using the Website. If we discover any deficiency in the information provided by you on a later date, then we may terminate the account you hold with us.




2. THIRD PARTY SERVICES




1. The Services may include services, content, documents, and information owned by, licensed to, or otherwise made available by a third-party including, but not limited to the Lenders (“Third-Party Services”) or contain links to Third-Party Services. You understand and acknowledge that Third-Party Services are the responsibility of the third-party that created or provided it and acknowledge that use of such Third-Party Services is solely at your own risk.


2. We make no representations and exclude all warranties and liabilities arising out of or pertaining to such Third-Party Services, including their accuracy or completeness. Should you avail a Third-Party Service, you shall be governed and bound by the terms and conditions and privacy policy of the third-parties providing the Third Party Services. Further, all intellectual property rights in and to Third-Party Services are the property of the respective third-parties.




3. PAYMENT TERMS




1. We reserve the right to charge such fees as we may determine, in our sole discretion from time to time, to provide you with the Services and issue an invoice accordingly.


2. All payments for our fees shall be paid by you upfront via credit card, debit card or any other payment method specified by us or deducted from the Credit Facility sanctioned to you.




4. YOUR RESPONSIBILITIES




1. You represent and warrant that all information that you provide on the Website or in relation to the Services is complete, true, and correct on the date of agreeing to these Terms and shall continue to be complete, true, and correct while you avail the Services. Should any information that you provide change during the existence of these Terms, you undertake to immediately bring such change to our notice. We do not accept any responsibility or liability for any loss or damage that you may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material fact.


2. You shall extend all cooperation to us, in our defence of any proceedings that may be initiated against us due to a breach of your obligations or covenants under these Terms.


3. You shall not use the Services in any manner except as expressly permitted in these Terms. Without limiting the generality of the preceding sentence, you may not:




1. infringe any proprietary rights, including but not limited to copyrights, patents, trademarks, or trade secrets, of any party;


2. except as may be provided hereunder, copy, display, distribute, modify, publish, reproduce, store, transmit, post, translate, create any derivative works from, or license the Services;


3. use the Services to transmit any data or send or upload any material that contains viruses, trojan horses, worms, timebombs, keystroke loggers, spyware, adware, or any other harmful programmes or similar computer code designed to adversely affect the operation of any computer software or hardware;


4. use any robot, spider, other automated device, or manual process to monitor or copy the Website or Services or any portion thereof;


5. engage in the systematic retrieval of content from the Website to create or compile, directly or indirectly, a collection, compilation, database or directory;


6. use the Services in (A) any unlawful manner, (B) for fraudulent or malicious activities, or (C) in any manner inconsistent with these Terms; or


7. violate applicable laws in any manner.






5. OUR INTELLECTUAL PROPERTY




1. All rights, title, and interest in and to the Website and Services, including all intellectual property rights arising out of the Website and Services, are owned by or otherwise licensed to us


2. We may request you to submit suggestions and other feedback, including bug reports, relating to the Services from time to time (“Feedback”). We may freely use, copy, disclose, publish, display, distribute, and exploit the Feedback we receive from you, without any payment of royalty, acknowledgement, prior consent, or any other form of restriction arising out of your intellectual property rights


3. Except as stated in these Terms, nothing in these Terms should be construed as conferring any right in or license to our or any third-party’s intellectual rights.




6. REGULATORY CHANGES
   
   You acknowledge and agree that we may have to modify the Services to comply with the applicable laws. As a result of this, you may be unable to access or use all or any part of the Services. We shall not be liable to you for such inability to use the Services pursuant to our compliance with the applicable laws.


7. TERM AND TERMINATION




1. These Terms shall remain in effect unless terminated in accordance with the terms hereunder.


2. Notwithstanding anything to the contrary in these Terms, any other terms, or any other communication between you and us, we may terminate your use of the Website at any time with or without notice, and for or without any reasons, with absolutely no liability to you.


3. Upon termination:




1. the Services will “time-out”;


2. (ii)you shall not be eligible to avail any features of the Services; and


3. these Terms shall terminate, except for those clauses that expressly or are intended to survive termination or expiry.




4. In case you have not availed any Credit Facility through us, or have repaid the loan amount in full, and do not wish to continue using our Services, and/or wish to deactivate your account, and/or unsubscribe from the mailing lists, you may do so by contacting us at loans@moneyview.in.




8. DISCLAIMERS AND WARRANTIES




1. We own, operate, and maintain a technology platform, and are not a financial institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India.


2. All payments for our fees shall be paid by you upfront via credit card, debit card or any other payment method specified by us or deducted from the Credit Facility sanctioned to you.


3. We, along with our directors, officers, employees and agents shall not be responsible in any manner whatsoever for the rejection of your Credit Facility application or other refusal by the Lenders of the Credit Facility with or without reason. We are not obliged to inform you of reasons for such refusal/rejection.


4. To the fullest extent permissible under the applicable law, Money View, and any of Money View’s third-party partners, licensors, and suppliers, disclaim all warranties, statutory, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, , satisfactory quality, accuracy, title and non-infringement, compatibility, applicability, usability, appropriateness, and any warranty that may arise out of course of performance, course of dealing, or usage of trade. No advice or information, whether oral or written, obtained by you through the Website will constitute or create any representation or warranty not expressly stated herein


5. You acknowledge and agree that the use of the Services is at your sole risk. The Website including any data, information, third party software, reference sites, services, or software made available in conjunction with or through the Website are provided on an “as is” and “as available” basis and without warranties or representations of any kind either express or implied. We and any of our third-party suppliers, licensors, and partners do not warrant that the data, software, functions, or any other information offered on or through the Website will be uninterrupted or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected.


6. You hereby accept full responsibility for any consequences that may arise from your use of the Services, and expressly agree and acknowledge that we shall have absolutely no liability with respect to the same.


7. To the fullest extent permissible by law, we, our affiliates, and our related parties each disclaim all liability to you for any loss or damage arising out of or due to:




1. your use of, inability to use, or availability or unavailability of the Services, including any Third Party Services;


2. the occurrence or existence of any defect, interruption, or delays in the operation or transmission of information to, from, or through the Services, communications failure, theft, destruction or unauthorised access to our records, programmes, services, server, or other infrastructure relating to the Services; or


3. the failure of the Services to remain operational for any period of time.




8. Notwithstanding anything to the contrary contained herein, neither we nor any of our affiliates or related parties shall have any liability to you or any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under, directly or indirectly, or relating, in any manner whatsoever, to these Terms or the Services. To the maximum extent permitted by law, you agree to waive, release, discharge, and hold harmless us, our affiliated and subsidiary companies, our parent companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of the Services




9. LIMITATION OF LIABILITY
   
   In no event shall we, our officers, directors and employees, or our contractors, agents, licensors, partners, or suppliers be liable to you for any direct, special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever, including but not limited to abuse or breach of data), even if we or an authorised representative have been advised of the possibility of such damages, arising out of or relating to (i) these Terms, (ii) the Services, (iii) your use or inability to use the Services; or (iv) any other interactions with another user in connection with the Services. If the foregoing limitation is not enforceable, the maximum liability of Money View shall be limited to the fee paid by you to avail the Services.


10. INDEMNITY
    
    You shall indemnify, defend at our option, and hold us, our parent companies, subsidiaries, affiliates, and their officers, associates successors, assigns, licensors, employees, directors, agents, and representatives, harmless from and against any claim, demand, lawsuits, judicial proceeding, losses, liabilities, damages and costs (including, without limitation, from all damages, liabilities, settlements, costs and attorneys’ fees) due to or arising out of your access to the Services, use of the Services, violation of these Terms or any infringement by any third party who may use your account with us.


11. CONSENT TO USE DATA




1. You agree that we may in accordance with our Privacy Policy collect and use your information and technical data and related information.


2. In addition to any consent you may give pursuant to the Privacy Policy, you hereby consent to: (a) Lenders retrieving your credit score from credit information companies for the purpose of evaluating your eligibility for a Credit Facility; (b) Lenders sharing your credit score with the us in order to recommend appropriate credit products to you on the Website; and (c) us sharing the Transaction Information with our Affiliates and Lenders.


3. We may use information and data pertaining to your use of the Services for analytics, trends’ identification, and purposes of statistics to further enhance the effectiveness and efficiency of the Website.




12. JURISDICTION, GOVERNING LAWS, AND DISPUTE RESOLUTION




1. These Terms shall be governed by and construed and enforced in accordance with the laws of India. Subject to other provisions in this clause, courts in Bangalore shall have exclusive jurisdiction over all issues arising out of these Terms or the use of the Services.


2. Any controversies, conflicts, disputes, or differences arising out of these Terms shall be resolved by arbitration in Bangalore in accordance with the Arbitration and Conciliation Act, 1996 for the time being in force, which is deemed to be incorporated by reference in this clause. The tribunal shall consist of 1 (one) arbitrator appointed by us. The language of the arbitration shall be English.


3. The parties to the arbitration shall keep the arbitration confidential and not disclose to any person, other than on a need to know basis or to legal advisors, unless required to do so by law. The decision of the arbitrator shall be final and binding on all the Parties hereto.


4. Each party to the arbitration shall bear its own costs with respect to any dispute.




13. MISCELLANEOUS PROVISIONS




1. Severability – If any provision of these Terms is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions of these Terms will continue to be in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue to be in effect (unless that would contradict the clear intention of the clause, in which case the entirety of the relevant provision will be deemed to be deleted).


2. Assignment – You shall not licence, sell, transfer or assign your rights, obligations, or covenants under these Terms in any manner without our prior written consent. We may grant or withhold this consent in its sole discretion and subject to any conditions it deems appropriate. We may assign its rights to any of its affiliates, subsidiaries, or parent companies, or to any successor in interest of any business associated with the Services without any prior notice to you.


3. Notices – All notices, requests, demands, and determinations for us under these Terms (other than routine operational communications) shall be sent to grievance@moneyview.in .


4. Third Party Rights – No third party shall have any rights to enforce any Terms contained herein.


5. Translations – We may provide you with translated versions of these Terms solely to assist you with understanding these Terms in greater detail. The English version of these Terms shall be controlling in all respects. In the event of any inconsistency between the English version of these Terms and any translated version, the terms of the English version shall prevail.

Privacy Policy for Loans

We at Airtel Digital Limited(“Airtel/We/Our/Us”) are committed to protect our customers Personal Information and shall strive to maintain the privacy of your Personal Information.
This Privacy Policy (“Policy”) describes the treatment of your Personal Information for facilitating various financial products offered by our lending partners (‘Services’) on Airtel Thanks mobile application/website (‘Platform’).
By visiting our Platform, you agree and acknowledge to be bound by the terms of this Policy.
For the purposes of this Policy, Personal Information shall mean any information that relates to a natural person, which can be used by itself to uniquely identify, contact, or locate a person, or can be used with information available from other sources to uniquely identify an individual.

What Personal Information we collect

• Personal Details: Full name, date of birth, gender, email, mobile, PAN, marital status, father’s & mother’s name, current and permanent address.


• Employment & Income details: Employment/ profession type, employer/ company name, industry, registration type, individual & household income, office address.


• Bank Details: Bank account number, IFSC code, Bank name.

In addition, we may also take one-time access to certain features of your mobile phone like camera, microphone, location or any other facility, necessary for the purposes of on-boarding/ KYC performed by lending partners. Further, we do not collect or store any biometric data.

How we use your Personal Information

• Facilitate your application to avail loan from our lending partners.


• Undertake marketing services and display customized content.


• Comply with laws and requests received from government bodies or courts.


• Maintain and improve our products and services.


• Administer and protect our business and the Platform, including troubleshooting, data analysis, system testing, and performing internal operations.


• To send you communication, through SMS, Voice Call, IVR or any third-party messaging platform, in relation to your use of the Platform or Services.


• To undertake research and analytics for mitigating frauds.

How we share your Personal Information

Subject to your explicit consent, we may share your Personal Information with our lending partners offering financial products, with government authorities and courts in compliance to their directions, with our group companies to provide you suitable promotional offers, and with any third party to perform surveys measuring your experiences and use of our services. Such sharing shall be in accordance with the above mentioned purposes and subject to appropriate confidentiality and security requirements.

At any point in time you may choose to deny/revoke consent for use of your Personal Information or restrict disclosure to third parties with respect to a particular service. However, we will not be able to facilitate requests for the revocation of your data, if there is an active loan or service being availed by you or it is prohibited by legal and regulatory obligations or in accordance with applicable laws, which may require us to store data for longer periods of time.

Data Retention and Destruction

We shall store and retain your Personal Information – in India as per requirements laid down in applicable laws and regulatory requirements – till you continue to take our Services or as per any requirement under applicable laws and regulations. We shall delete your Personal Information upon your request, provided there is no active loan or service being availed by you or if your Personal Information is required to be retained due to applicable laws or any regulatory requirement.

Third Party Links

Our Platform may display links to third party websites/applications that we cannot control and cannot be held responsible for the activities of such websites.

Use of Cookies.

Airtel uses cookies and beacons to assist in delivering the Services and to provide a positive and personalized user experience. Cookies are files sent to your browser from a web server and stored on your computer’s hard drive. Our persistent and session ID cookies are used to identify unique visitors and to provide a personalized user experience. Beacons are bits of code that function similar to cookies. Our beacons are embedded in outgoing emails and generate a call back to the Airtel server when such emails are opened. Airtel uses beacons to track the status of sent emails. If you do not wish to receive cookies, you may disable them.

Security

Airtel has implemented adequate and industry accepted processes in compliance with applicable laws, designed to protect Personal Information and maintain security. It is your responsibility to protect the security of your login information. Airtel’s servers are located in secure environments. Firewalls and other advanced security technologies are employed to prevent interference or access from outside intruders. These safeguards help prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of data. While we observe reasonable security measures to protect your Personal Information on all our digital platforms and internet connections, security risks may still arise for reasons outside of our control such as hacking, virus disseminations, force majeure events, breaches of firewall and secure server software etc.

Policy Review & Updates

Airtel reserves the right to modify/update this Policy and any changes to this policy, shall be posted on this page.

• Money View (WhizDM Innovations Pvt. Ltd.): https://moneyview.in


• DMI Finance: https://www.dmifinance.in/

Grievance Redressal

In case of any feedback or concern or request please reach out to our Grievance Officer

Name: Mr. Nitin Grover
Designation: Nodal Grievance Redressal Officer
Email: nodalofficer.loans@airtel.com
Address: Airtel Center, Plot no. 16, Udyog Vihar Phase IV, Gurgaon – 122015