[Last Updated: July 25, 2024]
This data Privacy Policy (“Policy”) sets forth the modes of collection, use, transfer, disclosure and sharing of your ("User" or "You" or "Your") personal Information gathered through any website/platform or other modes of communication used by us. This policy applies to personal information collected on the platform/ website and also applies to information collected by the company in other ways, including information collected offline. This privacy policy shall be read in conjunction with the terms and conditions laid out on our website.
Please read the following Privacy Policy carefully before accessing, browsing, or using the Mera Kal Platform, owned and operated by DN Cube Technology Solutions Private Limited.
This document is prepared and published in compliance with legal requirements that mandate regulated entities and intermediaries to publish rules, regulations, privacy policies, and terms for accessing or using their websites/mobile apps. It adheres to the following:
We may collect the following information through the KYC and investment process:
We may share clients'/borrowers’ information with the following parties, as necessary for our business operations:
We treat your personal information as private and confidential. We implement stringent security measures and adhere to industry best practices. While we take steps to protect your information, we cannot guarantee absolute security.
If You think that the security of Your Mera Kal account has been compromised, You shall contact Us immediately for further assistance.
Certain information and data may be automatically collected through the standard operation of our internet servers or through the use of “cookies.” We cannot control the use of cookies or the resulting information by advertisers or third parties hosting data for us. If you choose to be a registered user of the website, you must accept a cookie from the website.
This Privacy Policy does not cover the use of cookies by any third party websites linked to our website, and we aren’t responsible for their privacy policies and practices. You should exercise caution and look at the privacy statement applicable to the website in question.
We transmit and store your information using HTTPS protocol for encryption. We use third-party web analytics service providers, such as Google Analytics, to analyze and customize our services.
We retain your Personal Information as long as required for the purpose it was collected, complying with legal obligations and protecting our rights. We delete information once its purpose is fulfilled or no longer needed.
This site is not intended for minors under the age of 18. We do not knowingly collect data from minors.
You can withdraw your consent for the collection and use of Personal Information by contacting us via email or phone.
Mera Kal is bound by the (Indian) Information Technology Act, 2000 read with Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 as amended from time to time and rules made thereunder, and it shall comply with all its provisions. Mera Kal and all its vendors are obliged to maintain reasonable security procedures to safeguard Your data. Any disputes arising under this Policy shall be governed by the laws of India.
You may request to access your data provided by you (or) processed by us.
In the event that any personal data provided by you is inaccurate, incomplete or outdated then you shall have the right to provide us with the accurate, complete and up to date data and have us rectify such data at our end immediately. We urge you to ensure that you always provide us with accurate and correct information/data to ensure your use of our Services is uninterrupted.
We may email/SMS or send Whatsapp notifications to you from time to time about our latest offerings and updates. You may opt out of receiving such promotional emails from us by writing to us. You may also opt out of receiving Whatsapp messages from us by following the unsubscribe instructions in those messages. However, even if you have opted out of receiving information from us, we will still send non-promotional communications, such as repayment reminders and loan approvals messages etc.
Please note that opting out of receiving push notifications may impact your use of the Platform.
You are provided with an option to give or deny consent for use of specific data, restrict disclosure to third parties, data retention, revoke consent already granted to collect personal data and if required, forget the data (as defined under the RBI circular dated September 02, 2022 on “Guidelines on Digital Lending”). In case of withdrawal or modification of your consent or your amendment of any of your choices in this regard, we reserve the option not to provide the services or modify the services provided to you for which such information was sought.
We may update this Policy from time to time. The updated Policy will be posted on our website, and the changes will take effect from the date they are posted.
This Privacy Statement may change or be amended over time. The recent version of this Privacy Statement is published on this Platform, as the case may be.
Please revisit this page periodically to stay aware of any changes to this Privacy Statement. We will notify you of any material changes to this Privacy Statement by publishing the same on our Platform, as applicable. Your continued use of our Services confirms your acceptance of this Privacy Statement, as amended. If you do not agree to the terms and conditions as contained in our Privacy Statement, as amended, you must stop using our Services and notify us.
It is very important that any Personal Information we hold/pass on to our lending partners about you is up to date and correct. Please inform us of any changes to your Personal Information.
All extant & future master circular/directions/guidance/guidance notes issued by RBI and other applicable regulations from time to time would be the directing force for the Privacy Policy and will supersede the contents of this policy.