The personal data mentioned collected from you is used by the Company for the purpose of making a lending decision and to ascertain your credit eligibility and worthiness. The Company may share this personal information, on a strictly need to know basis to any of its group entity with whom it has contractual arrangement or to whom it has outsourced its core and non-core activities.
The Company shall also have the right to conduct a reference check and a background verification check on you in order to verify the information provided by you. For this purpose, an employee/authorized representative of the Company may visit the residential address provided by you and approach the neighbours to authenticate the details provided by you.
We ensure that in case any information is transferred to any of our group entities, they are bound by the obligations to safeguard your personal information and they retain such personal information only for a period required to fulfil their obligations.
In order to track driving behaviour, location and number of trips completed, the Company may require you to mandatorily install its application or alternatively, the Company may install a tracking device on your vehicle for the aforementioned purposes. You shall, until the loan agreement is valid and subsisting, and unless prior consent of the Company is obtained not uninstall/ disable the application nor try to disable the tracking device.
We may obtain your personal information either directly from you, i.e., when you fill out the application form and provide us your contact information, or from any third parties, which may include third parties, our group entities, or from publicly available sources.
By accessing our website, and by availing our loan facilities, you hereby grant your consent to for processing your personal information for the purposes set out in this Policy. However, if there is any instance where, under the applicable laws, your specific consent is required before processing your personal information, we will seek your specific consent in such cases.
In case we receive your personal information from any third parties, we rely on the consent obtained by them and do not explicitly seek your consent in such cases.
You may, at any time instruct Us to delete all your personal information available with Us, and upon receipt of such request, We shall do so within a reasonable period of time. However, upon the deletion of your personal information, We may stop providing Our services to you, without serving any prior intimation regarding the same. This may however, not be applicable in cases where loan facility has already been granted to you and We shall continue to retain your personal information, to the extent required by law, until the loan is fully paid (including payment of any dues or penalties levied by Us).
All your personal information is stored and processed locally within the territory of India. However, we may engage service provider who operate outside Indian and under such circumstances, your personal information may be processed outside India. Accordingly, you provide your consent to transfer your personal information to such third parties for them to process your personal information.
In order to efficiently and effectively provide Our facilities to you, We may share your personal information to Our group entities or any other third parties, strictly for the following purposes:
Further, We may share your personal information with third parties for the following purposes:
All such third parties to whom the Company shares your personal information have data protection measures in place that are required by the applicable laws. To the extent permissible, the Company shall obtain your specific consent before it shares any of your personal information with the third parties. You may write to us at info@shabri-investment.com to know the entities/third parties with whom your personal information is being shared.
You may at any time withdraw your consent for the storage and processing of your personal data and we shall ensure that your request is complied with within a reasonable period of time. However, please note that upon your withdrawal of consent, the loan facility granted to you shall stand cancelled and the amounts that are due and payable by you under that loan agreement shall be payable immediately. Further, the Company shall not be able to continue to provide you the loan facility.
You may write to us at info@shabri-investment.com for withdrawing your consent.
In addition to the above, you may change or update your personal information or data in case there has been any changes or if you come across any errors or inconsistency.
In addition to the above, you may also request a copy of all your personal information that is on our possession, however, this shall be subject to verification of your identity with us.
The security of your personal information is of utmost importance to Us. We take physical, operational and technical measures to ensure the security and integrity of your personal information provided to Us. In addition to this, all your personal information and data is stored in servers situated in India.
The Company has stringent systems in place to ensure that there are no incidents of data breach, however, if any such incident occurs, the Company shall immediately notify you about the occurrence of such breach.
The Company from time to time reviews it’s systems and practices to ensure that your data and personal information is protected against any unauthorized use or disclosure.
This Policy is subject to revision from time to time, and you are advised to periodically visit this page and review the Policy to keep yourself apprised of the changes and amendments made hereto. However, if there are any material or significant changes to this Policy that may affect your rights, the Company will intimate you about such amendments.
If any of the terms contained in this Policy or subsequent changes made to this Policy are not agreeable to you, you may immediately stop availing our facilities and notify Us about your withdrawal.
In accordance with the Information Technology Act 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:
While accessing Our Website, you may make choices that may redirect you to third-party websites which are neither operated by Us nor over which we do not have any control. You are strongly advised to read the terms and conditions and the Privacy Policy of those websites before providing any of your personal information or before making any transactions with them.
We do not owe any responsibility for any actions, losses, or claims that may arise as a result of your use of the aforementioned third-party websites.