We collect personally identifiable information that customers provide to us, such as name, mailing address, phone number, email address, Aadhaar number, PAN, TAN, passport details, driving license details and other similar information.Sensitive Personal Data / Information:
We collect Sensitive Personal Data / Information that customers provide to us, such as income tax returns, bank account number, financial statements, reasons for seeking finance, income sources and other financial information.Non-Personal Information:
We also collect non-personal information from customers, such as browser type, the URL of the previous website visited, ISP details, operating system, and Internet protocol (IP) Address ("Non-Personal Information"). Non-Personal Information cannot be easily used to personally identify customers.
We collect Personal Information and Sensitive /Personal Data / Information from customers when they provide it to us. For example, if a customer makes an application for a loan, we may collect the customer’s name, mailing address, telephone number, PAN number, TAN number, income tax returns, bank account number, passport details, driving license details, and reasons for seeking finance, income sources and email address.Communications with Us:
If a customer communicates with us regarding the Website or other Billiontech services, we will collect any information that the customer provides to us in any such communication.Analytic and Reporting Technologies:
We use Personal Information for our own internal purposes, such as providing, maintaining, evaluating, and improving the Website, fulfilling requests for information, and providing customer support. Customer’s Personal Information and Sensitive Personal Data/Information shall also be shared with lenders that we partner with. We would further share limited Personal Information on an aggregated/anonymised and strict need-to-know basis with our trusted partners like marketing agencies, technology service providers, etc. to help improve our product and service offerings.Non-Personal Information:
We use Non-Personal Information to track the use of the Website and for other internal purposes, such as providing, maintaining, evaluating, and improving the Website.
When customers apply for a loan through Billiontech, Personal Information and Sensitive Personal Data/Information will be shared with our lending partners if the loan is to be fulfilled through such lending partners, which are usually regulated entities, subject to regulatory guidelines on data privacy.3.2.2 Disclosure to Third Party Service Providers and Online Partners:
We may contract with various third parties who help us provide, maintain, and improve the Website. For example, we may use a third party to process payments made to us, and may subcontract out production, fulfillment, analytics, reporting or other operations. We may also contract with several online partners to help manage, monitor and optimize our Website and to help us conduct marketing activities, measure the effectiveness of our advertising, communications and how visitors use the Website. Some limited and aggregated/anonymised Personal Information may be shared on a strict need-to-know basis with such third-party service providers where such information is required to be disclosed for effective provision of their services. Save and except to our lending partners (as described in Section 3.2.1 “Disclosure to Lending Partners”, and in circumstances identified in the section 3.2.3 “Disclosure to Unaffiliated Third Parties”, Billiontech shall not disclose data in relation to a customer’s financial status, income statements, earnings, source of earnings, personal identification numbers and bank account numbers.3.2.3 Disclosure to Unaffiliated Third Parties:
We shall keep customers’ Personal Information and Sensitive Personal Data / Information private and confidential. We may disclose Personal Information and/or Sensitive Personal Data / Information to prevent an emergency, to respond to legal requirements, to protect or enforce our rights and policies, to protect or enforce the rights of a third party, or as required or permitted by law (including, without limitation, to comply with a summon or court order).3.2.4 Disclosure to Successors:
We may disclose customers’ Personal Information to any successor-in-interest of ours, such as a company that acquires us. In the event Billiontech goes through a business transition, such as a merger or acquisition by or with another company, or sale of all or a portion of our assets, customers’ Personal Information will likely be among the assets transferred. Customers will be notified via email or by a notice on our Website of any such change in ownership or control of Personal Information.3.2.5 Disclosure of Non-Personal Information:
We may disclose Non-Personal Information, in aggregate/anonymised form, to potential strategic partners, advertisers and investors.3.2.6 Internet Advertising:
We may use third party service providers to serve ads on our behalf across the Internet and sometimes on the Website. They may collect anonymous information about customers’ visits to our Website, and their interaction with our products and services. They may also use information about customers’ visits to this and other websites to target advertisements for goods and services. This anonymous information is collected through the use of a web beacon, which is industry standard technology used by most major websites.3.2.7 Regulatory or Legal Disclosure Not Covered Elsewhere
We shall be bound by extant legal and regulatory guidelines on sharing data with credit bureaus, rating agencies, central and state governments, regulators, and any other authorities.
Whenever we obtain customers’ Personal Information and Sensitive Personal Data/Information, we use commercially reasonable efforts to protect it from unauthorized access or disclosure. However, we are not insurers of the security of customer information. Accordingly, we assume no liability for any disclosure of data due to errors in transmission, unauthorized third-party access, or other acts of third parties, or acts or omissions beyond our reasonable control. Security: The security of customers’ Personal Information is important to us. When customers enter sensitive information on our registration or other forms, we encrypt that information using secure socket layer technology (SSL). We follow generally accepted industry standards to protect the Personal Information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect Personal Information, we cannot guarantee its absolute security.Internet-based Transfers:
Using the Internet to collect and process Personal Information necessarily involves the transmission of data. By providing Billiontech with Personal Information, the customer acknowledges and agrees that we may store Personal Information and transfer it to and from our servers located on the internet. We endeavor to protect all Personal Information collected through the Website in a safe, confidential, and secure manner.