Privacy Policy for ORA Finance Private Limited

Last updated: 27/12/2023

ORA Finance Private Limited ("us", "we", or "our") operates the” ORA Finance” mobile application for the Loan Services (the "Service/s").

This page informs you (“the customer”) of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy defined herein.

Definitions :

(i) Personally identifiable information (PII) : Personally identifiable information” (PI) 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 the ORA Finance is capable of identifying such person.

Some examples of PII are

1. Name
2. Date of birth
3. Gender
4. Bank account or credit card number

(ii) Sensitive personal data or information (SPDI) : “Sensitive personal data or information” (SPDI) of a person means such personal information, which consists of information relating to :

1. Password;
2. Financial information such as Bank account or credit card or debit card or other payment instrument details;
3. Physical, physiological and mental health condition;
4. Sexual orientation;
5. Medical records & history;
6. Biometric information;
7. Any detail relating to the above clauses as provided to body corporate for providing service;
8. 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 any law for the time being in force shall not be regarded as sensitive personal data or information for the purposes of this policy.

Types of Data Collected

Personal Data :

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

• Name
• Email address
• Phone number
• Address
• Usage Data

Accuracy :

ORA Finance shall have processes in place to ensure that the personal information residing with it is complete, accurate and current. If at any point of time, there is a reason to believe that personal information residing with the ORA Finance is incorrect, you may inform the ORA Finance in this regard. ORA Finance shall correct the erroneous information as quickly as possible.

Disclosure of Personal Information :

The personal information collected by the ORA Finance shall not be disclosed to any other organization except:

1. Where the disclosure has been agreed in a written contract or otherwise between the ORA Finance and you;
2. Where the ORA Finance is required to disclose the personal information to an affiliate/ third party/ service provider on a need-to-know basis, for providing services/ related activities, provided that in such case the ORA Finance may inform such affiliate/ third party / service provider of the confidential nature of the personal information and shall keep the same standards of information/ data security as that of the ORA Finance.
3. To statutory and regulatory authorities on their specific request as per rules in force.

Use of Data :

We collect and use your personal information for various purposes, including but not limited to:

• Providing and maintaining the Service
• Notifying you about changes to our Service
• Allowing you to participate in interactive features of our Service when you choose to do so
• Providing customer care and support
• Monitoring the usage of the Service
• Detecting, preventing, and addressing technical issues

Security :

The security of your data is important to us, but remembers that no method of transmission over the Internet or method of electronic storage is 100% safe. The security of personal information is a priority and is protected by maintaining physical, electronic and procedural safeguards that meet applicable laws. ORA Finance shall take reasonable steps and measures to protect the security of your personal information from misuse and loss, un-authorized access, modification or disclosure. ORA Finance maintains its security systems to ensure that your personal information is appropriately protected and follows the extant standard protection norms followed for the transmission of information.

Cookies :

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. We may use cookies, which are downloaded to the your when the you visit a website in order to provide a personalized browsing experience. Cookies are used for other purposes like remembering your preferences & settings, provide personalized browsing experience and analyze site operations. These cookies collect information about how you use a website. By using our app/website, you agree that these types of cookies can be placed on your device. You are free to disable/ delete these cookies by changing his/ her device/ browser settings. We are not responsible for cookies placed in your device by any other website and information collected thereto in any manner whatsoever.

Third-Party Services :

We may employ third-party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services, or assist us in analyzing how our Service is used. These third parties may have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Social Media :

Social media applications/ sites are owned by third parties unaffiliated with ORA Finance. You shall independently be guided by their privacy policies and ORA Finance has no control over them. ORA Finance is not responsible for the privacy or security at these applications/ sites or other third party sites that may be linked to/ from within our social media channels. ORA Finance does not endorse and is not responsible for any content, products, ads, advice, recommendations, opinions or other material of third party sites that may be promoted via advertising within any social media properties.

Links to Other Sites :

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

Changes to This Privacy Policy :

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

Contact Us :

If you have any questions about this Privacy Policy, please contact us :
ORA Finance Private Limited, D-8, First Floor, Room No. 1, Sector-2, Noida, U.P
Contact No. +91- 828 282 0110, Email: care@orafinance.in
By using our Service, you agree to the collection and use of information in accordance with this Privacy Policy.