TruCap Finance Limited (formerly known as Dhanvarsha Finvest Limited), is a Non-Banking Financial Company (NBFC) registered with Reserve Bank of India (RBI), having its registered office at 3rd  Floor, A Wing, D. J. House, Old Nagardas Road, Andheri (East), Mumbai 400 069 (hereinafter referred to as, “TruCap”, “we”, “us”, etc.) 

For the purposes of this Privacy Policy, “You” or “Yourself” or “User” (hereinafter also denoted by the derivative thereof “Your”) shall mean the person who accesses/ visits/ logins/ downloads/ installs/ makes use of (shall collectively and severally be referred as “Use”) our websites and/or applications or similar digital platforms owned/ facilitated by us. 

We at TruCap, value your trust and respect your right to privacy. This Privacy Policy provides you with details about the manner in which your data is collected, stored and used by us. You are advised to read this Privacy Policy carefully. If you do not agree to the terms of this Privacy Policy, please do not further use or access TruCap’s website/ applications. 

Introduction 

This privacy statement is applicable to TruCap’s websites and applications, including both mobile and hybrid, (hereinafter referred to Website/ Applications”). This Privacy Policy applies regardless of whether you use a computer, mobile phone, tablet, or television or any other media or computer resource to access our services. It is important that you read the Privacy Policy carefully because whenever you use our Website/Applications, your Personal Data will be processed (if at all) in accordance with this policy. 

Personal Data and Its Collection 

Personal Data, means and includes, any data relating to identified or identifiable living person (‘data subject’ here in referred as you/your’) including but not limited to, name, telephone number, email ID, any personal details that may have been voluntarily provided by the customer, whether to Unique Identification Authority of India (UIDAI), Credit Information Bureau of India Limited (CIBIL) or any other agency including any other Credit Information Companies (CIC). 

Information Collected When You Use Our Website/ Applications 

We collect data about you or your usage to provide better services to all of our users. We collect data in the following ways: 

• We collect data about the services that you use and how you use them.  
• We may collect your data through publicly available sources. 
• When you communicate with TruCap or use the TruCap’s platform to communicate with other members, we collect data about your communication and any data you choose to provide. 
• If you choose to sign in with your social media account to access TruCap, or otherwise connect your social media account with the services of TruCap, you consent to our collection, storage, and use, in accordance with this Privacy Policy, of the information that you make available to us through the social media interface. Please see your social media provider’s privacy policy and help centre for more information about how they share data when you choose to connect your account. 

Use Of Personal Data 

• We use data collected from cookies and other technologies, to improve your user experience and the overall quality of our services. 
• Send alerts and newsletter(s) to you. 
• Communicate with you in respect to our services so that we can send you details about TruCap’s promotional announcements, marketing purposes and surveys, other services of TruCap’s affiliates. 
• Improve our Website/ Applications and its content to provide better features and services. 
• Conducting market research and surveys with the aim of improving our products and services. 

• Preventing, detecting, investigating and prosecuting crimes (including but not limited to fraud and other financial crimes) in any jurisdiction, identity verification, government sanctions screening and due diligence checks. 
• Establishing, exercising or defending legal rights in connection with legal proceedings (including any prospective legal proceedings) and seeking professional or legal advice in relation to such legal proceedings. 
• Sharing with our customer support team and other relevant stakeholders to resolve your queries/concerns/feedback related to your rights or services provided to you. 
• Establish identity and verify the same; 
• Design and offer customized products and services offered by our third-party financial partners; 

• Analyse how the platform is used, diagnose service or technical problems and maintain security; 
• Manage our relationship with you and inform you about other products or services we think you might find of some use; 
• Conduct data analysis in order to improve the services / products provided to the user; 
• Use the user information in order to comply with country laws and regulations; 
• Conduct KYC for our third-party lending partners based on the information shared by the user; 

• Use the user information in other ways permitted by law to enable you to take financial services from our lending partners. 

Use Of Other Data 

Cookies are small data files that a website stores on your computer. A “cookie” is a small text file that may be used, for example, to collect data about the website activity. Some cookies and other technologies may serve to recall Personal Data previously indicated by a web user. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser, but please note that if you choose to erase or block your cookies, you will need to re-enter your original user ID and password to gain access to certain parts of the Website. Tracking technologies may record information such as Internet domain and host names; Internet protocol (IP) addresses; browser software and operating system types; clickstream patterns; and dates and times that our site/application is accessed. Our use of cookies and other tracking technologies allows us to improve our Website/ Applications and your web experience. We may also analyse information that does not contain Personal Data for trends and statistics. For more information about our use of cookies please refer to our Cookie Policy. 

Disclosure of Information 

We understand the importance of your information and ensure that it is used for the intended purpose only. We access, store and use the information we collect from you in accordance with the applicable laws. We restrict access to your Personal Data to employees who we believe reasonably need to know that data in order to fulfil their jobs to provide, operate, develop, or improve our products or services. 

TruCap does not share Personal Data about you with other people or non-affiliated companies except a) to provide products or services you’ve requested, b) when we have your permission, c) or under the following circumstances: 

• We provide the information to trusted partners who work on behalf of or with TruCap under confidentiality agreements. These companies may use your Personal Data to help TruCap communicate with you about offers from TruCap and our marketing partners.  
• We may disclose your Personal Data to agents or contractors of TruCap and/or its group companies/affiliates to enable processing of transactions or communications with you on need basis. However, it shall be on the basis that the agents are required to keep the information confidential and will not use the information for any other purpose other than to carry out the services they are performing for TruCap and/or its group companies/affiliates. 
• We will not voluntarily disclose your data with us but in exceptional circumstances we may do so if we are required by a Court Order, by Government Authorities, by Law Enforcement Authorities or by other legal processes or where it becomes necessary to do so to protect the rights or property of TruCap and/or its group companies/affiliates etc . 
• We may share your Personal Data with TruCap group and/or its affiliates for providing details on latest offers from our other entities 

We believe it is necessary to share data in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of TruCap terms of use, or as otherwise required by law. 

Consent To International Transfer Of Data 

When you use or participate in any of our services and/or provide us your details, your data may be transferred outside India for processing consistent with this Privacy Policy. Please note that the data protection laws of countries to which your data may be transferred will be at least same level as that of India. 

Link To Third-Party  

Our services may link to third-party websites/applications and services that are outside our control. Further, TruCap, its group companies, its affiliates, and their directors and employees (“TruCap Group”) accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from your use of any application or any site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with any online application, its Contents (material, information, data, money market movements, news items, etc.) or associated services, or due to unavailability of any application or any part thereof or any Contents or associated services even if TruCap Group are advised of the possibility of such damages, losses or expenses. 

Age 

To use the Website/ Applications you agree that you must be the minimum age (described in this paragraph below) or older. The minimum age for these purposes shall be 18, however if local laws require that you must be older in order for TruCap to lawfully provide the services in the Website/ Applications to you then that older age shall apply as the applicable minimum age.  

Security And Confidentiality 

TruCap makes sure at all times to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection and safeguarding of your Personal Data as the same is of vital importance to TruCap. Our platform has stringent security measures in place to protect the loss, misuse and alteration of information under control. We endeavour to safeguard and ensure the security of the information provided by you. At TruCap, we are strongly committed to protecting the personal and financial information that you submit to us. TruCap shall ensure to safeguard the security and confidentiality of any data you share with us. Any of your personally identifiable data obtained by us shall not be used or shared other than for the purposes to which you consent. However, despite our utmost efforts to protect your Personal Data, TruCap cannot warrant the security of any data you transmit to us through our online services/ applications. By accepting this Privacy Policy, you accept that such transmission of your Personal Data is done at your own risk. Lastly, you are requested to help us protect your data privacy by maintaining the secrecy of the username and password you use for any of our services. 

Your Consent 

By using the Website/ Applications and by providing your information, you consent to the collection, sharing, disclosure and usage of the information that you disclose on the platform in accordance with this Privacy Policy. 

We are seeking your permissions to access below mentioned data to check the creditworthiness of the loan application, evaluate the credit risk, prevent fraudulent loan application and manage credit disbursal in a short span of time. We request you to please read the permissions carefully wherein we have explained how and why the data is collected by us. 

Contacts: By accepting this permission, you are allowing us to access your contact information from your address book and have it uploaded on our server. This is to help you manage reference selection during loan application process and for us to be definite about your usage of this phone. This permission is critical for us to detect any fraudulent loan applications and manage credit risk better. The data transferred to the server is accomplished through secure APIs. 

Location: By accepting this permission, you are allowing us to track your current location. This helps us to check for availability of our services in your location to approve your loan application. 

Camera: By accepting this permission to access camera, you are able to take a selfie, scan/capture image(s) and share/upload the requested KYC documents and help us to establish the authenticity of your loan application. 

If we decide to change our Privacy Policy, we will post those changes on this page so to make you aware of the information we collect, how we use it, and under what circumstances we share and disclose it. 

Disclaimer 

TruCap shall not be liable for any loss or damage sustained by reason of any disclosure (inadvertent or otherwise) of any information concerning the user’s account and / or information relating to or regarding online transactions using credit cards / debit cards and / or their verification process and particulars nor for any error, omission or inaccuracy with respect to any information so disclosed and used whether or not in pursuance of a legal process or otherwise. TruCap does not store any credit/ debit card details. Any other personal and sensitive Personal Data shared by you which is not asked by TruCap during registration, either mandatorily or optionally; accounts to wilful and intentional furnishing; and TruCap will not be liable for breach of such information. 

 

Intellectual Property Rights 

Please note that TruCap retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via our Website/ Applications (including all texts, graphics and logos). 

Changes To This Privacy Policy 

TruCap reserves the right to change or update this Privacy Policy or any other of our policies/ practices at any time. The same shall be notified to you by posting such changes or updated Private Policy on the Website/ Applications. Any changes or updates will be effective immediately upon posting to our Website/ Applications. 

No Contractual Obligation 

Please note that this Privacy Policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so. 

Contact Us 

If you wish to communicate with us or have any questions, concerns or grievances regarding this Privacy Policy, you can email us the same on our email-address: contact@trucapfinance.com  

Accessing and Modifying Personal Information 

In case you need to access, review, and/or make changes to the Personal Information, you shall have to login to your user account and change the requisite details. You shall keep your Personal Information updated to help us serve you better. 

Indemnification 

You agree to indemnify us, our holding company, affiliates, officers, agents, co-branders or other partners, and employees and hold us harmless from and against any claims and demand, including reasonable attorney’s fees, made by any third party arising out of or relating to: (i) Personal Data and contents that you submit or share through the Website/ Applications; (ii) your violation of this Privacy Policy; (iii) or your violation of rights of another Users. 

Limitations of liability 

You expressly understand and agree that we shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, information, details or other intangible losses (even if we have been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the services; (ii) unauthorized access to or alteration of your Personal Data. 

Force Majeure 

You expressly understand and agree that we, including our directors, officers, employees, representatives or the service provider, shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from; (a) use or the inability to avail the services (b) inability to use the Website/ Applications (c) failure or delay in providing the services or access to the Website/ Applications (d) any performance or non-performance by us (e) any damages to or viruses that may infect your electronic devices or other property as the result of your access to the Website/ Applications or your downloading of any content from the Website/ Applications and (f) server failure or otherwise or in any way relating to the services. 

Governing Laws and Duties 

This Privacy Policy shall be construed and governed by the laws of India and courts of law at Mumbai shall have exclusive jurisdiction over such disputes without regard to principles of conflict of laws.