This document is a computer-generated electronic record published in terms of Rule 3 of the Information
Technology
(Intermediaries Guidelines) Rules, 2011 read with Information Technology Act, 2000 and does not require any
physical or digital signature.
Welcome to Novio!
Novio.in, Novio App (hereinafter referred to as the “Platform”) assists users and customers of the Platform to
avail various financial products such as credit cards, personal loans, SME loans, home loans, LAP, insurance
products and services as well as various other products introduced from time to time.
The Platform is created and owned by Credilio Financial Technologies Private Limited, a company incorporated
under the provisions of Companies Act, 2013, having its registered office at 21001, Classic Pentagon, Western
Express Hwy, Parshiwada, Chakala, Andheri East, Mumbai, Maharashtra 400053, India (hereinafter referred to as
“We” or “Our” or “Us”).
By accessing the Platform from any computer, computer device, mobile, smartphone, tablet or any electronic
device,
you expressly agree to be bound by this Privacy Policy (hereinafter referred to as the “Privacy Policy”).
We respect the privacy of Our Platform users and the confidentiality of the information provided by them and
have
developed this Privacy Policy to demonstrate Our commitment to protecting the same. This Privacy Policy
describes
the type of information We collect, purpose, usage, storage and handling of such information, and disclosure
thereof. We encourage you to read this Privacy Policy carefully when (i) accessing/using Our Platform; or (ii)
availing any products and/or services offered on or through the Platform. By accessing/using our Platform, you
expressly accept the practices described in this Privacy Policy. If you do not agree to any the terms of this
Privacy Policy, please do not use or access the Platform in any way whatsoever.
This Privacy Policy also applies to the current and former visitors and customers of the Platform. By accessing,
using or registering with the Platform, you authorize Us (including Our representatives, affiliates, and
business
partners) to contact you via email or phone call or SMS or app notifications or any such communication mode and
offer Our services for the products you have opted for, parting product knowledge, offer promotional offers
running on the Platform and offers by Our business partners and associated third parties, for which reasons your
information may be collected in the manner as detailed under this Privacy Policy. You hereby agree that you
authorize Us to contact you for the above mentioned purposes even if you have registered yourself under DND or
DNC
or NCPR service(s). Your authorization, in this regard, shall be valid as long as your account is not
deactivated
by either you or Us.
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Collection and Usage of your Information
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When you access/use or register with the Platform or when you subscribe to Our newsletters or use Our
products/services or software or participate in any online survey or when you enter promotions or
sweepstakes,
We
collect your personal and non-personal information. Your personal information helps Us to collect
information
that
can directly identify you such as your name, surname, address, date of birth, gender, email address, phone
number,
PAN number, etc. We also collect your non-personal information that does not directly identify you. By
using
the
Platform, you are authorizing Us to collect, parse, store, process, disclose, disseminate and retain such
information as envisaged herein. Your personal information shall not be made public or made available to
other
users without your explicit permission or unless stated expressly in this Privacy Policy.
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In order to register as a user with the Platform, you may be asked to sign in using your personal
details
or
through Facebook or Google login. If you do so using your Facebook or Google login, you authorize Us to
access
certain Facebook/Google account information, such as your public Facebook/Google profile. You will also be
asked
to allow Us to collect your location information from the device/computer when you use the Platform. In
addition,
We may collect and store any personal information you provide while using Our Platform or in some other
manner.
You may also provide Us photos, a personal description and information about you. If you are permitted to
message
or chat with other Platform users, you provide Us the content of your chats, and if you contact Us for
customer
service or other inquiry, you provide Us with the content of that communication.
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We may also require access to user’s contacts information that is stored on their device, in order for
such
user to be able to use the “Share Contact” feature on the Platform. We, in no way store or share this
contact
information with any third party.
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We neither knowingly collect any information nor promote Our Platform to any minor under the age of 18
(eighteen) years. If you are less than 18 (eighteen) years old or a minor in any other jurisdiction from
where
you
access our Platform, We request that you do not submit information to Us. If We become aware that a minor
has
registered with Us and provided Us with personal information, We may take steps to terminate such minor’s
registration and delete his/her account with Us.
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We use various tools and technologies, including cookies, to collect personal information and
non-personal
information from the device from which you access the Platform and learn about your activities taking
place
under
your account when you use the Platform. Such non-personal information could include your IP address,
device ID
and
type, your browser type and language, operating system used by your
device, access times, your device/computer geographic location and the referring website address. We may
use
web
beacons and other similar technologies to track your use of the Platform and to deliver or communicate
with
cookies. If you want to disable cookies, you may do so by altering your internet browser settings
accordingly.
However, please note that certain features of the Platform as well as Our products/services will not be
available
once cookies are disabled.
Usage of Information Collected
We may use information that we collect from you to:
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respond to queries or requests submitted by you as well as manage your account and provide you with
customer
support;
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deliver and improve Our products and services, and manage Our business;
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process orders or applications submitted by you;
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administer or otherwise carry out our obligations in relation to any agreement with Our banking and
business
partners;
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communicate with you by email, postal mail, telephone and/or mobile devices about products or services
that
may
be of interest to you either from Us or third parties as may be available on or through the Platform;
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make Our Platform better.
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perform website and mobile application analytics;
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send you notices, communications, offer alerts relevant to your use of the products and services offered
on
the
Platform;
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develop, display, and track content and advertising tailored to your interests on the Platform;
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perform auditing, research and data analysis about your use of, or interest in, Our or third party’s
products,
services, or content or such products, services, or content as may be available on or through the Platform;
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perform functions or services as otherwise described to you at the time of collection
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enforce or exercise any rights relating to our Platform’s Terms and Conditions as available on
https://www.novio.in/terms-conditions
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resolve disputes, troubleshoot problems, detect and protect us against any activity not expressly
authorized
under the Platform’s Terms & Conditions as available at https://www.novio.in/terms-conditions; and
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as otherwise provided in this Privacy Policy.
Information Sharing and Disclosure
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We will not share, sell or rent your personal information to anyone other than as set forth in this Privacy
Policy or unless you have opted to reveal your personal information in your profile on the Platform.
Notwithstanding the foregoing, We may share/disclose your information (i) with a banking partner or a credit
bureau or an affiliate and/or business partner; (ii) for complying with applicable laws, requests or orders
from
law enforcement agencies, appropriate authorities or for any legal process; (iii) for enforcing the
Platform’s
Terms and Conditions; (iv) for protecting or defending Ours, any Platform user’s or any third party’s rights
or
property; (v) for supporting any fraud/ legal investigation/ verification checks; or (vi) in connection with
a
corporate transaction, including but not limited to sale of Our business, merger, consolidation, or in the
unlikely event of bankruptcy. You acknowledge and understand the provisions of this Clause 3.1 and grant Us
an
unconditional, perpetual right and permission to make such disclosure.
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We may also share, sell, and/or transfer your personally identifiable information to any
successor-in-interest
as a result of a sale of any part of Our business or upon Our merger, reorganization, or consolidation with
another person (including any natural person, corporation, partnership, limited liability company, trust,
unincorporated association, or any other entity).
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We endeavor to limit the collection, sharing and use of your personal information. We may make anonymous or
aggregate personal information and disclose such data only in a non-personally identifiable manner. Such
information does not identify you individually. Access to your account information and any other personal
identifiable information is strictly restricted and used only in accordance with specific internal
procedures,
in
order to operate, develop or improve Our services. We may share your personal information with third-party
service
providers who provide services such as research and data analysis, processing of your orders placed through
the
Platform, information processing and for fulfilling of such orders, delivery of products, managing and
enhancing
Platform user data, conducting user research and surveys. These third parties are obligated to protect your
personal information as required under applicable privacy and security laws as well as under our contracts
with
them.
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There are number of products/services such as loans, credit cards, mutual funds, insurance, etc offered by
third parties on the Platform such as lenders, banks, credit card issuers, insurance companies, and
agencies,
etc.
If you choose to apply for these separate third party products or services by disclosing your personal
information
to them, then such use of your information is governed by the privacy policies of such third parties. We are
not
responsible for their privacy policies.
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We may use and share your non-personal information We collect under any of the above circumstances,
including
with third parties to develop and deliver targeted advertising on Our Platform and on websites and/or
applications
of third parties, and to undertake analysis thereof. We may combine non-personal information We collect with
additional non-personal information collected from other sources. We also may share aggregated, personal and
non-personal information in hashed, non-human readable form, with third parties, including advisors,
advertisers
and investors, for the purpose of conducting general business analysis or other business purposes.
Cookies and Log Files
We use various tools and technologies, including cookies, to collect personal information and non-personal
information from the device from which you access the Platform and learn about your activities taking place
under
your account when you use Our Platform. A cookie is a piece of data stored on a user’s computer tied to
information about the user. Like most standard websites, We may also use log files. Such tools and
technologies
enable us to collect your non-personal information which includes your IP address, device ID and type, your
browser type and language, operating system used by your device, access times, your device/computer geographic
location, and the referring website address. We may use web beacons and other similar technologies to track
your
use of Our Platform and to deliver or communicate with cookies. If you want to disable cookies, you may do so
by
altering your internet browser settings accordingly. However, please note that certain features of our
Platform
and products/services will not be available once cookies are disabled. We may combine such automatically
collected
log information with other information We collect about you. We do this to improve the services We offer to
you,
as well as to improve marketing, analytics, and Platform’s functionality.
Email-Opt out and Account Deactivation
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If you are no longer interested in receiving e-mail announcements and other marketing information from
Us,
please e-mail your request at
support@novio.in
. Please note that it may take up to 30 days to process
your
request.
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If you have a Platform account with Us, you can review and update your personal information by opening
and
editing your profile details. In addition, We give you the control to opt-out of having your personal
information
shared, via the Platform settings. If you logout/deactivate your Platform account, We may retain certain
information associated with your account for analytical purposes and recordkeeping purposes or as required
by
law,
as well as to prevent fraud, enforce our Platform’s Terms and Conditions, take actions we deem necessary
to
protect the integrity of Our Platform or other Platform users, or take other actions otherwise permitted
by
law.
In addition, if certain information has already been provided to third parties as described in this
Privacy
Policy, retention of that information will be subject to those third parties’ policies.
Security
We employ reasonable technical and organizational security practices and measures to protect the personal
information We collect from you against unauthorized or unlawful use. However, you acknowledge that no method
of
transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, We cannot promise
or
guarantee its absolute security, and you should not expect that your personal information, or other
communications
while using the Platform will always remain secure and safeguarded by Us. Further, You are responsible for
maintaining the confidentiality and security of your Platform login id and password, and must not provide or
share
these credentials with any third party. You should always exercise caution while providing, sharing or
disclosing
your personal information using the Platform or when sharing with any third party.
Third Party Advertising
We may use third-party advertising companies and/or ad agencies to serve advertisements on Our behalf when you
visit the Platform. These companies/agencies may use your non-personal information in order to provide
targeted
advertisements that may be of interest to you.
Links to Other Websites
There might be affiliates or other sites linked to Credilio.in. Personal information that You provide to those
sites are not our property. These affiliated sites may have different privacy practices and We encourage You
to
read their privacy policies of this Website when You visit them.
Changes to this Privacy Policy
We reserve Our right to occasionally change this Privacy Policy from time to time, at Our sole discretion. We
may
update this Privacy Policy to reflect changes to Our information practices. We will revise the “last updated”
date. We encourage you to periodically check Our Platform from time to time to keep yourself updated of any
changes in this Privacy Policy or any of Our other Platform related terms and policies.
Complaints or Suggestions
Any feedback, questions, concerns, or suggestions you provide to Us with respect to the Platform and Our
products/services shall be deemed to be non-confidential and We shall be entitled to use the same on an
unrestricted basis. Further, by submitting the feedback, you represent and warrant that (i) your feedback
does
not
contain confidential or proprietary information of yours or of third parties; and (ii) We are not under any
obligation of confidentiality with respect to your feedback. Please contact Us
8655900119
or
customercare@credilio.in
for any feedback, questions or comments regarding this Privacy Policy.
Grievance Officer
In accordance with the Information Technology Act, 2000 and rules made thereunder, if you have questions
or comments about this Policy, you may contact our Grievance team.
You may contact our Grievance Officer, Ms. Shraddha Makwana
By email: ping@credilio.in
By phone: +91 79000 33833(between 10.00 AM to 7.00 PM from
Monday-Saturday)
Level 1 Escalation : Mr Avishek Gupta, Head - Customer Service
When to reach: after 7 days
By email: avishek@credilio.in
Level 2 Escalation : Mr Atul Lamba, Chief Operating Officer
When to reach: after 15 days
By email:
atul@credilio.in
By post: Credilio Financial Technologies Private Limited
Mr. Avishek Gupta 1001, Classic Pentagon, Western Express Highway,
Parshiwada, Chakala, Andheri East, Mumbai,
Maharashtra, India
400053
Last Updated on: Jan 11, 2021