Privacy Policy

P.G. Advisory Services Private Limited, a company incorporated in India, having its registered office at “Flat No A/304, Mayfair Co-Operative Housing Society Ltd, Raviraj Oberoi Complex, New Link Road, Andheri West, Mumbai-400054” (hereinafter referred to as “we”, “our”, “us” or “makemyemi”) operates a web based payment facility which aims at providing finance to individual borrowers (“Consumers”) through financial institutions (“Financial Institutions”) with whom we have tied up with, for availing the products/ services of certain merchants (“Merchants”). The process of providing finance to the Consumer requires registration by such Consumer on our website and in the process of registration we collect various information including but not limited to personal and financial information of the Consumer. We understand that the information provided by the Consumers and Merchants to us needs to be protected and we are committed to protecting the end user’s (hereinafter referred to as “you”, “your” or the “End User”) privacy and the privacy of the data you give us when you use our website. We recognize that you entrust us with certain personal information and we commit to treat such information with respect and in accordance with the terms of this privacy policy (“Privacy Policy”).

This Privacy Policy explains how www.makemyemi.com (or any successor site) and its related sub-domains, sites, services and tools (hereinafter referred to as “Site”), collect, retain and utilize the personal information you provide us. This Privacy Policy is subject to the terms of the Terms and Conditions and in case of conflict between the Privacy Policy and the privacy related terms in the Terms and Conditions, the latter shall prevail.

By using our website and services you acknowledge that you have read, understand and unconditionally agree to be bound by the terms contained in this Privacy Policy. Please read this Privacy Policy carefully before using the services.

This Privacy Policy is effective from 15 December 2016 for all users.

1. Information we collect from you

(i) Personal Information

Personal Information (“Personal Information”) means and includes all information that can be linked to a specific individual or to identify any individual such as the Consumer’s name, mailing address, phone number, email address, credit card number, PAN number, Aadhar number, employment/ company details, income tax returns, bank account number, reasons for seeking finance, income sources and other financial information. Personal Information shall include any and all information provided to us by you through any mode including email, online forms, SMS, telephone, facsimile, mail or otherwise. The Personal Information provided by you shall be used for purposes such as allowing you to set up an account (“Account”) that can be used to provide a secure, efficient, smooth and customized service.

(ii) General Information
In case of online transactions, on being directed to our Site from the Merchant website we collect certain information directly from the Merchant website such as information regarding the product/ service in relation to which you desire to avail loan/ credit facility from our Site. In case of physical transactions, such information with regard to the product/ service is manually entered by the employee of the Merchant while registering you to our Site for availing loan/ credit facility. We also collect information sent to us by your computer, mobile phone or other access device. The information that we collect includes but is not limited to the following: data about the pages you access, the internet protocol address, device ID or unique identifier, device type, geo location information, the uniform resource locator of the previous website you visited, ad data, standard web log data, internet service provider you are using and other information. We also collect anonymous information by using our cookies. Such information does not identify you personally. This information is collected to improve our website, for the improvement of our services, to help diagnose technical problems and to administer our website.

2. How and when is this information collected?

We may collect your information in a number of ways for example when you register with us by creating an Account on makemyemi or when you avail for the services of makemyemi or when you interact with a Financial Institution through our Site, we may collect your name, age, mailing address, telephone number, email address, credit card number, PAN number, Aadhar number, employment/ company details, bank account number, income tax returns, income sources and other financial information.
We may collect the information that you provide through communications with us, whether in writing (including email), SMS and telephone or all of them or any other mode.
We collect certain information directly from the Merchant who directs the Consumer to our Site to avail loan/ credit facility for purchasing the product/ service of the Merchant. We use analytic and reporting technologies to record general or non-personal information such as the domain and host from which you access the internet, the uniform resource locator of the previous website you visited, the internet protocol address or internet service provider you are using and other information.
We may also access, with the Consumer’s consent, certain personal information stored by third parties such as social media websites (for example: facebook, twitter etc). The information received from such websites is controlled by them and by associating/ synchronizing an account managed by a third party with your makemyemi Account, you authorize us to access such information and agree that makemyemi may collect, store and utilize such information in accordance with this Privacy Policy.

By providing us with the above information, the End User shall be assumed to have provided such information in his/her free will and shall be assumed to have acknowledged the fact that the data shall be retained in our database for as long as it is required for the purpose for which it was furnished.
3. Use of Personal Information collected
We may use your Personal Information as described in this Privacy Policy and related documents. The Personal Information may be used for the following purposes, including but not limited to:

(i) for our own internal purposes such as providing, maintaining, evaluating and improving the website and for internal record keeping;
(ii) fulfilling requests for information;
(iii) to facilitate the services you request and provide customer support;
(iv) to process the borrowing of loan/ credit facility by the Consumer by providing such information to Financial Institutions;
(v) to assess financial stability and perform credit assessment of the Consumer;
(vi) to manage risks and to prevent or detect fraud and other prohibited and illegal activities;
(vii) we may share your Personal Information internally with those staff members who need it and with other members of this website;
(viii) we may send promotional emails about our services and other marketing information on the email ID provided to us by you.

4. Disclosure of Information
By accepting the terms of this Privacy Policy, you grant us an unconditional right to share your Personal Information with makemyemi’s partners, affiliates, employees and agents for administrative purposes.
(i) Disclosure to Financial Institutions: We disclose the personal and financial information collected by us from the Consumer to Financial Institutions with whom we have tied up with, for verification and to check compliance with KYC requirements. Based on such information and after inspection and verification and after being satisfied that the Consumer satisfies the criteria laid down by them, the Financial Institution grants the loan/ credit facility.
(ii) Disclosure to Successors: If makemyemi is sold to a third party or is subject to a merger, consolidation or acquisition; it would become necessary for us to transfer all information collected from the End Users to such third party. We will notify you via email or by a notice on our Site in case of change of ownership or control.
(iii) Disclosure to unrelated third parties: We will not disclose any Personal Information collected to any unrelated third party unless such disclosure is authorized or required by law, or you have expressly consented to such a disclosure.
(iv) Disclosure to Agents and Online Partners: We may contract with various third parties to facilitate the efficient functioning of the Site and to improve the services provided by us. For example, we may subcontract various activities such as analytics, reporting and other operations. We may also outsource to several online partners or third party service providers one or more aspects of the business, product and service operations that we provide to you and may use their services to serve ads on our behalf across the internet, to help us measure the effectiveness of our advertising, communications and how visitors use the Site. We do not guarantee that such third party will not disclose your Personal Information. We shall not disclose information in relation to your financial status, bank account details, credit card details, personal identification number, source of income, encryptions, cookies and other such electronic details.
(v) Disclosure to Government Agencies: We may share your Personal Information with government agencies if such disclosure is required to be made under any law for the purpose including but not limited to verification of identity or for prevention, detection and investigation or to respond to summons, court order or legal process.

5. Security
We are committed to having security measures in place to protect the End User against the loss, misuse and alteration of your Personal Information. We use encryption technology and make other reasonable efforts to protect your Personal Information from any unauthorized use. We use secure socket layer technology (SSL) in order to encrypt sensitive data such as the credit card number provided by you to us at the time of registration. However, makemyemi does not ensure the security of your information and assumes no liability whatsoever for any monetary or other damage suffered on account of errors in transmission, unauthorized third party access or acts or omissions beyond our reasonable control.

6. Changes to Personal Information
We allow you to review, update or change your Account information at any time by accessing your Account. You will be required to verify your identity before you are granted access to your Account to make changes to your Personal Information.

7. Third Party Websites
It is clarified that the Merchant website from which the Consumer is directed to our Site is not under the control of makemyemi and the Privacy Policy contained herein does not apply to such Merchant website. We therefore advise the Consumer to read the privacy policy and terms and conditions of such Merchant website carefully before using their services.
Furthermore, our Site may contain links to other websites which can be accessed by the End User. We do not control such websites and the Privacy Policy of this Site shall not apply to such third party websites. For your privacy and security, we encourage you to read the Privacy Policy of such websites before providing them with your Personal Information. We do not assume any liability for the breach of your privacy by such third party websites.

8. Opt-out Practice
We allow you to opt out of receiving email announcements, newsletters and other marketing information and also have any Personal Information that we have collected from you removed by sending an email about your request to info@makemyemi.com.

9. Modified Terms
We may make changes to the Privacy Policy from time to time by updating the Site without prior notification to you. We suggest to you, therefore, that you re-read the Privacy Policy from time to time in order that you stay informed as to any such changes.

10. Cookies
We, like many other websites use small files called cookies to help us customise your experience and to make the interaction between you and the Site faster, easier and efficient.

Cookies are small pieces of texts that your web browser or website saves on your computer or mobile device when you visit the site.

We will use cookies saved by our Site on your web browser for the efficient functioning of our Site, to help us improve our performance and to help us in providing you extra functionalities in order to make your browsing experience with our Site smoother, faster and easier. We may save various kinds of cookies on your device including those that which will remain on your device for as long as you keep your browser active (session cookies) or those which will remain on your device for a longer period (persistent cookies).

Our use of cookies is similar to that of any other reputable online companies. Cookies allow us to serve you better and more efficiently, and to personalize your experience at our Site. We use cookies to personalize your experience on the Site and facilitate the use of our services and for the purposes of placement of advertisements.

As to the personalization of experience, these types of cookies allow you to log in without having to type your log – in name each time (only your password is needed) and we may also use such cookies to display an advertisement to you while you are on the Site or to identify your preferences in relation to products and services and obtain credit related information.

A cookie may also be placed by our advertising server. Such cookies are used only for purposes of tracking the effectiveness of advertising served by us on our Site. Similarly, a cookie may be placed by our third – party advertising companies or advertisement providers or servers. These companies may use aggregated statistics about your visits to our Site in order to provide advertisements about goods and services that you may be interested in or any goods and services of potential interest to you.

The third – party advertising companies or advertisement providers may also employ technology that is used to measure the effectiveness of ads. Any such information is anonymous. They may use this anonymous information about your visits to our websites in order to provide advertisements about goods and services of potential interest to you.

Web Beacons and Similar Technologies

We may also use web beacons and other similar technologies along with cookies.

Web beacon: Web beacons, also known as pixel tags, are often transparent graphic images embedded on a website or email which allows in checking the content that the user has accessed or in monitoring the behaviour of the user visiting the website. It is typically used in combination with cookies to identify the users and user behaviour.

Similar technologies: Similar technologies may include technologies that store information in your browser or device utilising shared objects or local storage such as flash cookies, HTML 5 cookies and other methods.

We will also set up reasonable security measures in place to prevent unauthorised access to our cookies, web beacons and other similar technologies. However, we shall not be held liable for any such unauthorised access which could not be prevented despite taking reasonable measures or which was beyond our control.

Most Web browsers automatically accept cookies, web beacons and similar technologies. Of course, by changing the options on your web browser or using certain software programs, you can control how and whether cookies, web beacons or similar technologies will be accepted by your browser. We support your right to block any unwanted Internet activity, especially that of unscrupulous websites. However, blocking makemyemi cookies, web beacons or similar technologies may disable certain features on the Site, and may make it impossible to use certain services available on the Site. Please note that it is possible to block such activity from certain websites while permitting such activity from websites you trust.

If you have any questions or comments regarding this Privacy Policy, you may email us at info@makemyemi.com.