Privacy Policy of MANAPPURAM PERSONAL LOAN Application.

MANAPPURAM PERSONAL LOAN APP android app as a Free app for Manappuram Finance Ltd. This SERVICE is provided by Manappuram Comptech and Consultants Ltd at no cost and is intended for use as is.

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service. If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

This is an app for a fully digital loan where the eligibility is based on the applicant’s repayment track record in Manappuram Online Gold Loan. You can take a loan, pay the instalment, check your loan statement, settle the loan etc. through this mobile application itself, without having to visit our branch. Moreover, you are free to take a loan whenever you need it and also settle the loan at your convenience even before the due date. • 100% Online process. • No Bank Credit Card or CIBIL bureau score required. • Minimum documentation and completely digital service. • Get 24*7 access to an instant, hassle-free loan anytime, anywhere. • Become eligible for higher credit limits by repaying existing loan on time. • As a compliance requirement, your payment record will be shared with credit rating agencies. Based on your record, your credit score may increase /decrease. • Minimum and maximum period for repayment: 12 Months - 36 Months (Foreclosure permissible without any penal charges) • Maximum Annual Percentage Rate (APR): 35.03 % (Including processing fee of 2%) Sample Loan Calculation: Loan amount: Rs 10,000 at interest rate of 17 % p.a. Loan Tenure : 12 Months Total Interest = Rs.945 /- Processing fees (PF) + GST = Rs 200/- + Rs 36/- = Rs 236 /- In-Hand Amount: Loan Amount - Total Deductibles ( (PF) + GST ) = Rs 10,000 – 236 = Rs.9,764 /- Total repayable Amount: Rs 10,945/- Monthly EMI Repayable: Rs 912 /-

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at MANAPPURAM PERSONAL LOAN . unless otherwise defined in this Privacy Policy.

Information Collection and Use

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information. The information that we request will be retained by us and used as described in this privacy policy.

Log Data

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.

This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers

We may employ third-party companies and individuals due to the following reasons:

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

Security

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

Links to Other Sites

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Contact's Privacy

READ_CONTACTS, WRITE_CONTACTS, GET_ACCOUNTS permissions are used for for sending the documents related to the Personal Loan android application to the customer.

RECEIVE_SMS Privacy

android.permission.RECEIVE_SMS

RECEIVE_SMS permissions is used for for receiving the OTP messages while doing payment transactions

Children’s Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.

Controls for Do-Not-Track Features

Most web browsers and some mobile operating systems [and our mobile applications] include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. No uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Policy.

CONTACT US

If you have questions or comments about this Privacy Policy, please contact us at:

Manappuram Comptech and Consultants Ltd
Address: 3rd Floor, Manappuram House
TUDA Road, Aswini Junction
Thrissur, Kerala - 680 022
Mobile: +91 99723 26894
Tel: +91 70251 05522

Copyright © 2019 MACOM. all rights reserved.