Privacy Policy & Disclaimers

The privacy policies described herein (this "Privacy Policy") apply wherever you use the MudraCircle Website available at www.mudracircle.com or www.mudracircle.in (the "Mudra Circle Website"), which is owned and operated by f-tek Consultancy Services Private Limited. MudraCircle respects the privacy of our online visitors.
This Privacy Policy tells you how we protect the personal information that you supply voluntarily and will describe the choices you have concerning such information. We may need to change this Privacy Policy from time to time in order to address new issues and reflect changes on the Mudra Circle Website. We will post changes here so that you know what information we gather, how we might use that information and whether we will disclose that information to anyone.
Changes and modifications to this Privacy Policy will be effective immediately upon our posting of the changes and modification on the MudraCircle Website, except where prohibited by law. You agree to review this Privacy Policy each time you use the MudraCircle Website. By submitting your personal data to us, you consent to the collection and use of your personal data in accordance with this Privacy Policy.
What Information Do We Collect?
We collect information from you when you register on our site, fill out a form or apply for a loan. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address, phone number, Aadhar number and PAN. You may, however, visit our site anonymously.
We will be collecting, processing and storing Your user ID associated with any social media account (such as Your Facebook and Google account) that you use to sign into the Platform or connect with or use the Platform. Also, information will be collected about You from third parties such as partners, merchants, marketers, third-party websites, and researchers. Information may be collected automatically from the computer or devices (including mobile devices and information contained therein) You use to access the Platforms, even if you use the Platforms without registering or logging in.
Other information relating to Your activity on the Platforms, such as Your search queries, comments, domain names, search results selected, number of clicks, pages viewed and the order of those pages, how long You visited Our Platforms, the date and time you used the Platforms, error logs, and other similar information; o Your locations details including the latitude, longitude or altitude of Your mobile device, GPS location; o In case of mobile application users, the online or offline status of Your application. o We may also collect real-time information about the location of Your device, as permitted by You; o Your server’s IP address from where the Platform is being accessed, the type of browser (Internet Explorer, Firefox, Opera, Google Chrome etc.), the operating system of Your system and the website You last visited before visiting to Platform, and Your computer, Internet connection and mobile device, other browsing information.
connection, speed, connection type etc.device type, device’s unique device identifier, mobile network information and the device’s telephone number. Details of Your use of Our Platforms, including location data, traffic data, logs and other communication data and the resources that You use and access on or through Our Platforms; o We also may access metadata and other information associated with other files stored on Your mobile device. This may include, for example, photographs, audio and video clips, personal contacts and address book information
What Do We Use Your Information For?
Any of the information we collect from you may be used in one of the following ways: To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs).
1.To process transactions your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.
2.To send periodic emails, will only be used to send you information and updates pertaining to your request.
Information collected from You can be used for various purposes including inter alia:Verifying Your identity; o Facilitate Your usage of Platform; o To connect You with the lenders/ merchants/ other third parties; o To process and respond to Your queries/ requests; o To inform You regarding changes in Platform; o To send You surveys and marketing communications that We believe may be of interest to You o To analyse, conduct internal reviews, surveys and understand Our Users, improve the content and features of Our Platform, process and complete Your transactions, and make special offers; o To diagnose technical problems, provide support and help You in addressing troubleshoot problems; o To send and received communications, show advertisements, notifications; o To prepare reports, review, etc.; o To contact You regarding third party services, offers, to understand Your preferences, requirements; o To permit You to participate in interactive features offered through Our Platform; o To improve the content and protecting the integrity of the Platform; o To respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law; o To detect and protect any error, hacking, fraud, commercial and identity checks; and o Any other purpose as required in connection with the Platform.
By agreeing to our policy, you also agree to receive all communications, including the services you have opted, marketing/ sales/ promotional communication, third-party offers, newsletters, periodic communication, etc, can be sent from different domains of the company currently listed as mudracircle.com, mudracircle.in, mudra-circle.in & hrkhata.co.in or any other domain company acquires in the future.
How Do We Protect Your Information?
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential. After the transaction, your private information will not be kept on file for long.
Do We Use Cookies? Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information. We use cookies to understand and save your preferences for future visits.
Do We Disclose Any Information To Outside Parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect others or our rights, property, or safety.
However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. MudraCircle makes no representation that materials on this website are appropriate or lawful for use or access in locations outside India. Access to this website from countries or territories where such access is illegal is prohibited.
Those who choose to access this website from outside the India do so on their own initiative and are responsible for compliance with local laws. Except when required to do so by law (for example, if required to do so by legal process or for the purposes of prevention of fraud or other crime), MudraCircle does not currently share, sell, rent, lend or give any of the personally identifiable information you provide to us with or to any third party, other than with our service providers who assist us in providing information and/or services to you and who need to know the information in order to verify or fulfill your transactions with us
Anonymous Information
We gather information during normal browsing which we do not tie back to specific individual users. Like many other websites, MudraCircle receives and collects information about your session, including the IP (internet protocol) address, domain name, browser type, operating system you use, files you download, pages you visit and dates/times of those visits. This information about your session or about you may be collected by technology such as a cookie.
Cookies
'Cookies' are small text files that a website transfers to a user's hard disk or browser that can be used by a website to enable its users to store tailored information from the website. Some of the pages on the MudraCircle Website use cookies so that we can better serve you. A cookie does not retrieve any other data from your hard drive or capture or store your e-mail address.You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. However, if you decide to erase or block the cookie you may not be able to utilize the features of the MudraCircle Website.
Online Privacy Policy Only
This online privacy policy applies only to information collected through our website and not to information collected offline.
Your Consent
By using our site, you consent to our websites privacy policy.
Changes To Our Privacy Policy
If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below. This policy was last modified on August 1st, 2017.
Contacting Us
If there are any questions regarding this privacy policy you may contact us using the information below. fTek Consultancy Services Private Limited, IJMIMA Complex, Mindspace, Malad West. Mumbai 400064.Maharashtra,India.email id: [email protected]
Third Party Links
` THIRD PARTY LINKS The Platforms links to other websites/ applications, which may collect personally identifiable information about You. The Company is not and will not be responsible for the privacy practices or the content of those linked websites.
Company is not responsible for any form of transmission, whatsoever, received by You from any third party platform. We do not endorse or make any representations about third-party websites or services. Our Privacy Policy does not cover the information You choose to provide to or that is collected by these third parties.
Under no circumstances shall We be deemed to control or guarantee the accuracy, integrity, or quality of the information, data, text, software, sound, photographs, graphics, videos, cookies, messages or other materials available on such platforms. We strongly encourage you to read such third parties’ privacy policies.
Your Acknowledgment And Consent
By visiting this Platform you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree please do not use or access Our Platforms. By mere use of the Platforms, you expressly and unconditionally agree to the terms and conditions of this Privacy Policy and consent to the usage, storage and handling of the information submitted by You in accordance with the terms contained herein.
This policy applies only to the information We collect through Our Platforms, in email, text and other electronic communications sent through or in connection therewith (collectively “User Information”). When You submit User Information on the Platform, it shall be deemed that You have granted Us the right to collect, store, process, handle and use such User Information, in accordance with this Privacy Policy (as amended from time to time). This policy does not apply to information that you provide to, or that is collected by, any third-party, such as lenders who provide loans, merchants from which you avail services and social networks that you use in connection with Our services
We encourage you to consult directly with such third-parties (Perfios, Spocto, etc.) about their privacy practices. Please read this policy carefully to understand Our policies and practices regarding Your information and how it will be treated in accordance with this policy.
1.INFORMATION THAT IS COLLECTED BY US We collect various types of information from and about Users of Our Platform, including: o that which can be used to uniquely identify or contact a person and/or the business entity that a person represents; and/or o financial data and transaction data pertaining to Users collected from partnering merchants; and/or o bureau data collected from financial organizations (including, inter-alia, TransUnion CIBIL Limited, Equifax and other credit bureaus) o information that You agree to share with Us for the availing of services provided by Us. We collect this information: o directly or indirectly from You when You provide it to us; and/or o as You navigate through Our Platforms (information collected automatically may include usage details, IP addresses and information collected through cookies, web beacons and other tracking technologies). Through independent third party sources like merchants, financial organizations (including including, inter-alia, TransUnion CIBIL Limited, Equifax and other credit bureaus), etc.
@Copyright
The information on this website is subject to copyright with all rights. It must not be reproduced, copied or redistributed in whole or in part. Third party links or other external websites accessed via this website will not have been developed or otherwise reviewed by the Fund, and no entity is responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in this website.