This Privacy Policy applies to the "Babu Fund" application (the "App"). It explains to users ("you") the services the App provides, details the information collected by the App, and outlines how the App uses and shares such information.

DHANI BABU FINTECH PRIVATE LIMITED, a company registered under the Companies Act 2013 with its registered office at C/O Souri Komalapuram 688011 Alappuzha, owns, manages, and operates this platform under the brand name 'DHANI BABU FINTECH PRIVATE LIMITED' (hereinafter referred to as "Company", "We", "Us" or "Our").

We fully recognize the importance of "Personal Information" and "Sensitive Personal Information" provided by individuals under legal agreements. We are committed to taking reasonable measures to safeguard the confidentiality of such information and may share it with our affiliates and third parties under appropriate arrangements, in compliance with applicable laws and regulations.

We value the significance of "personal information," including "sensitive personal information," provided by individuals pursuant to legal contracts. We intend to implement reasonable safeguards to protect the confidentiality of such information and may share it with our affiliates and third parties through proper arrangements, in accordance with applicable laws and policies. We respect your privacy and are dedicated to protecting it by adhering to this Privacy Policy. This Policy outlines:

• The types of information we may collect from you when you access or use our website, applications, and other online platforms (collectively referred to as our "Platform").
• Our practices regarding the collection, use, storage, protection, and disclosure of this information.

For the purposes of this Privacy Policy, "users" and, where the context requires, "you," "your," "yourself" refer to any individual or legal entity accessing or using the Platform. When an individual acts on behalf of a corporate entity or legal person, these terms shall include such corporate entities, legal persons, and their promoters.

Your Consent and Agreement

1.By accessing or using this Platform, you agree to be bound by the terms of this Privacy Policy. If you do not agree, please do not use or access our Platform. Your use of the Platform constitutes your explicit and unconditional agreement to the terms of this Privacy Policy and your consent to the collection, storage, and processing of your personal information/sensitive personal data as described herein.

2.This Policy applies solely to information collected through our Platform(s) and information sent via or associated with emails, text messages, and other electronic communications (collectively referred to as "user information"). When you submit user information on the Platform, you are deemed to have granted us the right to collect, store, process, handle, and use such user information in accordance with this Privacy Policy (which may be revised from time to time).

Please read this Policy carefully to understand our practices regarding your information and how we handle it.

1.The Data We Collect About You

1.1 We collect and use personal data about you to provide the Services. Such personal data includes:

a. Identity and profile-related data: Your first and last name, username or similar identifiers, gender, title, photographs, background, feedback, etc.

b. Contact data: Your email addresses, phone numbers, and residential address.

c. KYC data: Identification documents issued by government or other authorities, including details of your Aadhaar and PAN card.

d. Usage data: Information about how you use the Services.

e. AppList: In order to provide more accurate credit assessments and personalized services, we need to access information about the applications on your device. This will help us gain a comprehensive understanding of your spending habits, financial situation, and credit risk, enabling us to tailor credit products that best suit your needs. In order to ensure accurate credit assessment and considerate service, we need to obtain your application list information and fully understand your consumption habits, financial status and credit risks to customize the most suitable credit products. Only the application name and type are accessed and all data transmission is encrypted to ensure privacy and security.

f. Device Information: Our application gathers and monitors a range of phone-related information, including hardware specifications, operating system details, serial numbers, user profiles, and mobile network data. This enables us to uniquely identify each device and safeguard against unauthorized access or actions on your behalf.

g. Location: User location helps to locate and verify the address which helps in making better credit risk decisions and fasten the Know Your Customer (KYC) process.

h. Camera: Camera access is required so that user can easily scan or capture identity documents,etc and save time by allowing us to auto-fill the required data and helps in improving the user journey and experience.

1.2 We are required to collect your personal data to provide access to the Platform and Services. In certain cases, we must collect personal data as mandated by law or our Terms of Service. To fully avail of our Services, you may be required to provide the requested data/personal information when prompted.

2.How We Collect the Data About You

2.1 We use various methods to collect and process your personal data, including:

a. Information you provide: This includes identity, contact, KYC, financial, and device data that you voluntarily provide when using our Services or communicating with us (e.g., via email, chat, or through the Platform). This includes information provided during registration, when using Platform features, sharing data through the Platform, or reporting issues with the Platform or Services. We will retain records of communications with you.

b. Information we collect about you and your device: When you access the Platform or use the Services, we automatically collect personal data through tools such as cookies.

c. Information we receive from other sources: This includes data from third parties, public sources, Google Analytics (for advertising and user analytics), and other publicly available sources.

2.2 Please note that we have no control over personal data you choose to make publicly available. For example, if you post reviews, comments, or messages on public sections of the App or application stores (such as the Google Play Store), you do so at your own risk. We are not liable for third-party misuse of such data.

2.3 The App may use cookies and tracking technologies, depending on the features offered.

3.How We Use Your Personal Data and the Purposes

3.1 We will use your personal data only in accordance with applicable law. Most commonly, we use your personal data to provide the Services or to comply with legal obligations.

3.2 By using our Services and creating an account on the App, you authorize us, our associate partners, and affiliates to contact you via email, phone, or other means to inform you about the features of the Services.

3.3 In general, we use your personal data for the following purposes (which may be conducted with or without direct human supervision):

a. To register you as a user of the App;

b. To provide you with the Services;

c. To manage our relationship with you, including notifying you of changes to the Services;

d. To administer and protect our business and the App, including troubleshooting, data analysis, system testing, and internal operations;

e. To deliver content to you;

f. To provide you with offers, updates, etc., related to our products;

g. To detect and protect against errors, fraud, and other criminal activity;

h. To monitor trends to improve the App and Services;

i. To enhance our business and delivery models;

j. To fulfill our obligations under agreements with you;

k. To enforce our Terms of Service;

l. To respond to court orders, establish or exercise our legal rights, or defend against legal claims.

4.How We Share Your Personal Data

4.1 You acknowledge and agree that any information about you—whether provided directly by you (via the Services or otherwise), including personal correspondence (emails, instructions, etc.)—may be collected, compiled, and shared by us to provide the Services. This may include sharing with lenders, storage providers, data analytics providers, consultants, lawyers, and auditors.

4.2 You acknowledge and agree that we may share data if required by law, a court, a government agency, or other authority. Such disclosures are made in good faith, believing they are reasonably necessary to enforce this Policy or our Terms of Service, or to comply with applicable laws and regulations.

5.Password Security

Help us protect your privacy and personal data by keeping your username and password confidential. Do not share your username or password with anyone, including individuals claiming to represent us, the Platform, its owners, representatives, or our partners/group companies. We shall not be responsible for any breaches resulting from your failure to maintain this confidentiality.

6.Amendments to this Privacy Policy

6.1 We reserve the right to update, modify, or amend this Privacy Policy from time to time to reflect changes in law, our data collection and use practices, service features, or technological advancements. Any changes will be posted on this page. Please review this page periodically for updates.

6.2 The use of information we collect is governed by the Privacy Policy in effect at the time of use. If we make material changes to this Policy, we will post the updated version here. Your continued use of the Services after the posting of changes constitutes your acceptance of the revised Policy. We shall not be liable for your failure to review the updated Policy before accessing or using the Platform.

7.Data Retention

We take all necessary steps to ensure that your information is retained only for as long as necessary to fulfill the purposes for which it was collected, or longer if required by contract, applicable law, or for statistical purposes (with appropriate safeguards). You may request the removal of your data from our records by contacting us. We will fulfill such requests, subject to any legal requirement to retain the information.

8.Third-Party Links and Content on Our Services

Our Services may contain links to third-party websites and services that are not under our control. These third parties have their own privacy policies, and we are not responsible for their practices. We, our group companies, affiliates, directors, and employees (collectively, "the Group") shall not be liable for any loss or damage (direct, indirect, special, incidental, consequential, punitive, or exemplary) arising from your use of or inability to use any third-party mobile application, site, or content, including defects, errors, omissions, interruptions, or unavailability, even if the Group is advised of the possibility of such damages.

9.Intellectual Property Rights

All rights (including copyrights, trademarks, patents, and other intellectual property rights) in the information provided on or via the Platform (including text, graphics, and logos) are retained by the Platform.

10.Consent

a) Your use of the Platform and execution of a loan agreement with a lender constitutes your written consent to the collection, use, and disclosure of your information as described in this Policy.

b) Termination of services between you and a lender (pursuant to the loan agreement) or between you and the Platform (pursuant to the Terms of Use) shall be deemed a withdrawal of consent, and we will cease using or disclosing your information thereafter, subject to legal retention requirements.

c) You may withdraw your consent by sending a written notice to us.

11.Disclaimer

We do not collect personal information about individuals unless voluntarily provided through the Platform. When you voluntarily disclose personal information, we may verify, collate, or receive additional information about you from publicly and commercially available sources (as permitted by law) and combine it with information you provided. We may also receive information about you from third-party social networking services if you are connected to them. We implement reasonable security practices and procedures (managerial, operational, physical, and technical) to protect your personal data, as it is of critical importance to us.

We are committed to protecting the personal and financial information you submit. We will not sell or transfer individual users' personal information to unaffiliated third parties without your approval at the time of collection.

12.No Contractual Obligation

This Privacy Policy does not create any contractual or legal rights for any party.

13.Force Majeure

We shall not be liable for any loss, damage, or unauthorized use of your user information resulting from events beyond our reasonable control. A "Force Majeure event" includes, but is not limited to: sabotage, fire, flood, explosion, acts of nature, civil unrest, strikes, riots, insurrection, war, government actions, hacking, technical failures, unauthorized access to data systems or storage, security breaches, or encryption vulnerabilities.

14.Disputes and Jurisdiction

Any dispute arising in connection with this Privacy Policy shall be resolved by the courts of Gurugram (Haryana, India) in accordance with Indian law.

15.Grievance Redressal

For complaints regarding this Policy, you may contact the designated Grievance Redressal Officer, whose name and contact details are published on the Platform(s). The officer will address your complaint within a reasonable period.

If you have any questions, comments or suggestions regarding this privacy policy, or if you wish to exercise your rights related to privacy (such as inquiring about personal information, correcting information, deleting information, withdrawing consent, etc.), you are welcome to contact us via the following email address: contact@dhanibabufintech.com