1.     PRIVACY POLICY

This website https://epimoney.in/ ("Website") is owned and operated by Epimoney Private Limited ("Epimoney/ We/ Us" which expression shall mean and include its affiliates, successors and permitted assigns), having its registered office at No.119, 2nd Floor, Harita Towers, St. Mary's Road, Abhiramapuram, Chennai – 600 018 and its Corporate address at One World Center, Indiabulls Financial Center Tower-2, 7th Floor, South Annexe, 841, Senapati Bapat Marg, Saidham Nagar, Lower Parel, Mumbai, Maharashtra 400013. The Website is an online lending platform for users to avail financial services. Epimoney is committed in protecting and respecting your privacy.

2.     SCOPE

This privacy policy ("Privacy Policy") is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder. This Privacy Policy does not require any physical, electronic or digital signature. This Privacy Policy is a legally binding document between you and Epimoney. The terms of this Privacy Policy will be effective upon your use of this Website or through your acceptance of the same, by clicking on the "I Accept" checkbox available at https://app.flexiloans.com/business-loans-apply and will govern the relationship between you and Epimoney for your use of the Website.

By clicking on the "I Accept" checkbox, you also authorize us to contact you if you are registered with DND/NDNC registry. This Privacy Policy describes the information that we collect from you, how We collect this information (directly or through third parties or which is automatically generated, when you interact with our Website and our mobile application (Mobile App)) and what We do with it after We collect it.

3.     GENERAL DEFINITIONS

Reference to "you" or "your" in this Privacy Policy refers to any natural person (including the employees of Epimoney) who provides to Epimoney any information referred in Schedule 1 of this document or any user(s) of Epimoney Website or business applications whether or not, you avail the Services offered by Epimoney.

"Act" shall mean the Information Technology Act, 2000 and Rules thereunder as amended from time to time.

"Information" shall mean and include Personal Information and Sensitive Personal Data or Information as may be collected by Epimoney.

"Personal Information" shall have the same meaning as under Rule 2 (i) of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 as amended from time to time.

"Rules" shall mean the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 as amended from time to time.

"Registered User" shall mean such user whose registration is accepted by Epimoney.

"Sensitive Personal Data or Information" shall mean and include information under Rule 3 of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 as amended from time to time.

"Services" for the purpose of this Privacy Policy shall mean any person who by way of registration has sought or in any manner has requested the services of Epimoney.

All words and expressions used and not defined in this document but defined in the Act or the Rules shall have the meanings respectively assigned to them in the Act or the Rules.

Epimoney is fully committed to respecting your privacy and shall ensure that your Information is safe. This Privacy Policy sets out the practices adopted in respect of Information, including the types of Information that is collected, how the Information is collected, how the Information is used, how long the Information is retained and with whom it is shared.

4.     USER CONSENT

By clicking on the "I Accept" checkbox, you expressly consent and confirm to Epimoney collecting, maintaining, using, processing and disclosing your Sensitive Personal Data or Information and other Information in accordance with the terms set out in this Privacy Policy. If you do not agree with this Privacy Policy in its entirety, you must not use this Website or products and/or services provided on it. If you have any questions or comments regarding this Privacy Policy, please contact us at connect@flexiloans.com

5.     PRIVACY PRINCIPLES

At Epimoney, we may ask for and use your Sensitive Personal Data or Information/Personal Information and are committed to keeping this Information secure. In order to maintain the confidentiality of your Information, we maintain the following privacy principles including but not limited to the following:

We only collect Sensitive Personal Data or Information/Personal Information that is relevant and is required to gauge your financial abilities and to conduct our business.

We use your Sensitive Personal Data or Information/Personal Information to provide you with better customer services and products.

We may pass your Sensitive Personal Data or Information/Personal Information to our affiliates or any agent or third-party service provider unless prohibited by laws and regulations. We will not disclose your Sensitive Personal Data or Information/Personal Information to any external organization unless we have your consent or are required by laws and regulations.

We may disclose your Sensitive Personal Data or Information/Personal Information required by any regulatory agencies, but we will only do so under proper authority. We maintain strict security systems designed to prevent unauthorized access to your Sensitive Personal Data or Information/Personal Information by anyone, including our staff.

6.     INFORMATION WE COLLECT

During your use of the Website and Mobile App, we will collect such Information from you when you provide to us including but not limited to: Sensitive Personal Data or Information/Personal Information that you provide to us while interacting with us such as your name, gender, date of birth, mobile number, password, email address, mailing address, telephone number, aadhar card details, pan number, tan no., sales tax details, service tax details, bank account details, business financials, passport number, driving license number, purpose of loan, sources of your income and family income, demographic information like residential address and office address, pay slips, your family details, information relating to income and expenses obtained through bank SMS scraping and through integration with such service providers, credit related information that is collected from other sources like the credit bureau, information collected through Facebook, Twitter, LinkedIn or other social media accounts of the Users which have been linked to the account on the Website, information that you provide when you write directly to us (including by e-mail) or provide us over telephone, any other information that Epimoney is required to collect as per specific mandate from any bank or as a requirement under applicable law and other relevant financial information.

You will at all times have the option of not providing Epimoney with Sensitive Personal Data or Information/Personal Information that Epimoney seeks to collect. Even after you have provided Epimoney with any Sensitive Personal Data or Information/Personal Information, you will have the option to withdraw the consent given earlier by writing Us at myaccount@flexiloans.com.

Our FlexiLoans Mobile Applications periodically collects information about the Applications installed on your device to provide better personalized services and improve our credit risk assessment. This information is securely shared with our trusted partner for analysis.

7.     INFORMATION WE COLLECT AUTOMATICALLY

There is certain Information that we collect automatically as the result of your use of the Website, or through the use of web analytics services. This Information includes but is not limited to: The Internet Protocol (IP) address of the device from which you access the Website; The specific actions that you take on the Website, including the pages that you visit; The time, frequency and duration of your visits to the Website; Your browser type and operating system; The nature of the device from which you are accessing the Website. A one-time access may be taken for camera, microphone, location or such other information as may be necessary for the purpose of onboarding with Us or as may be required pursuant to any regulatory or statutory requirement.

8.     INFORMATION FROM OTHER SOURCES

Epimoney allows you to sign up and log in using your Facebook account. If you sign up using Facebook, Facebook will ask your permission to share certain information from your Facebook account with Epimoney. This information is collected by Facebook and is provided to us under the terms of Facebook's privacy policy.

9.     HOW WE USE THIS INFORMATION

Any Information shared by you is used by us and/or our authorized third parties/service partners/lending partners to support your interaction with us, to offer you services in the best possible manner and to contact you again about other services and products. We may use this Information to: (a) Capture, save, compile and analyse the Information required to perform credit and risk scoring models; (b) Monitor metrics such as total number of views, visitors, traffic and demographic patterns; (c) Carry out contractual obligations; (d) Conform to legal requirements and comply with regulatory guidelines; (e) Protect and defend the rights or property of the website owners; (f) Share the Information with multiple financial institutions/lending partners for customization of offers and provision of services; (g) Manage employment and related compliances.

10. DISCLOSURE TO THIRD PARTY SERVICE PROVIDERS AND ONLINE PARTNERS

We may contract with various third parties who help us provide, maintain and improve the website and the Epimoney services. We do not sell your Sensitive Personal Data or Information/Personal Information to third parties. Epimoney guarantees that it is going to keep all Information confidential except in the following cases: To any agent or third-party service provider; To credit reference agencies; To any person to whom Epimoney is under an obligation to make disclosure under the requirements of any law; To comply with any legal obligation.

11. ACCESS TO YOUR GMAIL ACCOUNT

Where you allow Epimoney to fetch your bank statements from your Gmail account, Epimoney will access your Gmail account through using https://www.googleapis.com/auth/gmail.readonly API in Mobile App or Web Portal and extract your bank statements of past six months for the purpose of determining your loan eligibility. No other information or emails from your Gmail account will be read, opened, accessed or viewed.

12. COLLECTION OF FINANCIAL SMS INFORMATION

Our Epimoney Mobile Applications collect and monitor only financial SMS sent by alphanumeric senders from your inbox which helps us in identifying the various bank accounts that you may be holding, cash flow patterns, description and amount of the transactions undertaken by you as a user to help us perform a credit risk assessment.

13.  COLLECTION OF CONTACT INFORMATION

As a part of our Mobile Application loan journey, we require references from the Loan applicant. In this regard, during filing the form on our application, we collect and monitor your Information such as contact information which includes name, phone number, account type, contact last modified, favorites and other optional data like relationship and structural address to enable you to autofill the data during the loan application process.

14. COOKIES

Cookies are small bits of information that are automatically stored on a person's web browser in his computer that can be retrieved by this Website. Cookies allow web servers to recognize your computer each time you return to our Website including the date and time of visits, page view history, time spent at our website, and the websites visited just before and just after our website, verify your registration or password information (in case of a Registered User) during a particular session so that you do not have to input your password multiple times as you navigate the site and suggest products or services that may interest you. Should you wish to disable these cookies you may do so by changing the setting on your browser.

15. INFORMATION SECURITY

We store and process your Sensitive Personal Data or Information/Personal Information on reputed web service cloud servers. We protect your Information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration. Some of the safeguards we use are firewalls and data encryption using SSL, and information access authorization controls.

16. SECURITY ASSURANCE

Both you and Epimoney play an important role in protecting against online fraud. You should be careful that your bank account details and other related information, including your User ID(s) and/or passwords/personal identification numbers (PIN) are not compromised by ensuring that you do not knowingly or accidentally share, provide or facilitate unauthorized use of it. Please do not share your User ID and/or password or allow access or use of it by others.

17. USE OF THIRD-PARTY WEBSITES

You may be able to access third party websites directly from our Epimoney website. With this Privacy Policy, we are only addressing the disclosure and use of data collected by us. If you visit any other websites through the links on the Epimoney website, you should properly review the privacy policies of each of those websites.

18. REFERRALS

If you choose to provide a few referrals to introduce Epimoney and/or its Website to any other person/entity, we may ask you to provide such person/entity's name and email address, provided you have obtained consent for disclosing such personal information about the person/entity you refer to us.

19. TESTIMONIALS

We may display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us by email at connect@flexiloans.com

20. RETENTION OF DATA

We may retain the Information about you as long as your User account is active or as needed to provide services to you. If you wish to cancel your account or request that Epimoney no longer use your Information to provide services, you may contact Epimoney at connect@flexiloans.com.

21. CHANGES TO PRIVACY POLICY

In the event Epimoney modifies this Privacy Policy, the same will be updated on the Website. In case of any material changes to the Privacy Policy, you will be notified by email (sent to the email address specified in the Users' mail account) or by means of a notice on this Website prior to the change becoming effective.

22. SEVERABILITY

Epimoney has made every effort to ensure that this Privacy Policy adheres with the applicable laws. The invalidity or unenforceability of any part of this Privacy Policy shall not prejudice or affect the validity or enforceability of the remainder of this Privacy Policy.

23. SECURITY

Epimoney understand that storing data in a secure manner is important. We store Sensitive Personal Data or Information/Personal Information using industry standard, reasonable and technically feasible, physical, technical and administrative safeguards against foreseeable risks, such as unauthorized access. Any transactions that take place on the Website are processed through our secure server.

24. CHANGES IN PRIVACY POLICY AND ACCEPTANCE

Epimoney may from time to time update this Privacy Policy. Epimoney will ensure to place a notice on the top of this page with the latest updated date. Accordingly, you should check the Privacy Policy on a regular basis for the most current privacy practices.

25. LIMITATION OF LIABILITY

Notwithstanding anything contained in this Privacy Policy or elsewhere, Epimoney shall not be held responsible for any loss, damage or misuse of your Sensitive Personal Data or Information/Personal Information, if such loss, damage or misuse is attributable to a Force Majeure Event.

26. OPT-OUT

You have the option to 'opt-out' of all Epimoney' newsletters and other general e-mail marketing communications by way of links provided at the bottom of each mailer. Epimoney respects your privacy and in the event that you choose to not receive such mailers, it shall take all adequate steps to remove you from such lists.

27. CONTACT US

If you have any questions about this Privacy Policy, please e-mail them to connect@flexiloans.com or call us at 07948061722

28. GRIEVANCE OFFICER

In accordance with the Act and Rules made there under, the name and contact details of the Grievance Officer are provided below:

Name: Ms. Pranaali Sawant

Address: Epimoney Private Limited (FlexiLoans) 6th Floor, South Annexe, Tower 2, One World Centre, 841, Senapati Bapat Marg, Lower Parel, Mumbai, Maharashtra – 400 013.

Phone: 8879758863

Email: nodal.grievance@epimoney.com

29.  SCHEDULE 1

Rule 2 (i)

"Personal information" means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person.

Rule 3

"Sensitive personal data or information" of a person means such personal information which consists of information relating to:- (i) password; (ii) financial information such as Bank account or credit card or debit card or other payment instrument details; (iii) physical, physiological and mental health condition; (iv) sexual orientation; (v) medical records and history; (vi) Biometric information (only of employees, for HR and administrative purposes); (vii) any detail relating to the above clauses as provided to body corporate for providing service; (viii) any of the information received under above clauses by body corporate for processing, stored or processed under lawful contract or otherwise.

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 sensitive personal data or information for the purposes of these rules.

NOTICE

All customers of the Company are informed that the Company has decided to observe a "Grievance Redressal Day".

The 5th day of every month (if 5th is a holiday, the following working day) shall be observed as a "Grievance Redressal Day" of the month on which any customer of the Company having a grievance or who feels that his/her grievance against the Company has not been resolved to his/her satisfaction, may without the requirement of any prior appointment, visit the corporate office of the Company at 7th Floor, South Annexe, Tower 2, One World Centre, 841 Senapati Bapat Marg, Lower Parel, Mumbai - 400013, Maharashtra, India between 10:00 a.m. to 7:00 p.m. to personally interact and seek redressal of his grievance(s) with the Grievance Redressal Officer (GRO) of the Company.

The GRO shall be available to ensure the grievance(s) of the customer(s) are duly acknowledged, documented, and resolved in a prompt and efficient manner.