Introduction
The Website www.oplinnovate.com (“this Website”) is owned and provided by Online PSB Loans Limited, (herein after referred to as "The Company"), a company incorporated under the Companies Act, 2013.
The Company provides a digital infrastructure that delivers cutting edge products to automate and digitise the lending process and caters to banks and financial institutions under the brand name OPL.
The Company’s website contains links of all the products and platforms developed by OPL. The platform is governed by its own terms of use, privacy policy and disclaimers and we recommend that you review the same before accessing the platform.
OPL always believes in protecting the privacy of its users who visits its website. For the purpose of this Privacy Policy, "we", "our" and "us" means and includes "the company" or “company” and "you" and "your" means and includes any person who accesses and uses this Website.
This Privacy Policy covers this website's treatment to all personally identifiable information (PII) that the company collects when you are on this website, and when you use this website's services.
In Brief
Protecting your privacy is of the foremost importance for the Company, and we are committed to safeguarding it in the best possible manner. This policy outlines how personal data we collect from you, or that you provide to us, will be processed. Please read carefully the policy If you use any of our Services, you will be regarded as having read and accepted this Policy. You must not use this Website or our Services if you do not accept this Policy. By mere use of this Website, you expressly consent to our use and disclosure of your personal information in accordance with this Policy. Our privacy policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this policy periodically. Consenting to whenever we use cookies in accordance with the terms of this policy when you first visit our website permits us to use cookies every time you visit our website.
Collection of and Processing of your Personal Data
The use of this website may result in the collection and processing of your personal data. The term "personal data" under applicable law refers to all information relating to a specific or identifiable person. An IP address can also be considered personal data. When you use the website, we collect data that you provide yourself. In addition, when you use the website, we automatically collect certain information stated in this policy about your use of it.
We process personal data in compliance with the applicable laws. We will only process data where we are legally permitted to do so. When you use this website, we will process personal data only with your consent deemed to have been taken by virtue of this policy, except where such processing is overridden by fundamental rights and freedom which require the protection of personal data.
Collecting Personal Information
We collect the personal information, including but not limited to the following -
- Information about your computer including your IP address, geographical location, browser type and version, and operating system.
- Information about your visits to and use of this website including the referral source, length of visit, page views, and website navigation paths.
- Information that you enter while using the services on our website.
- Information that is generated while using our website, including when, how often, and under what circumstances you use it.
- The information which you have entered, which may include your name, address, telephone number, email address, etc.
- Information contained in any communications that you send to us by email or through our website, including its communication content and metadata.
- Any other personal information that you provide to us.
Before you disclose to us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with this policy. We shall not be held responsible for the incorrect or unauthorized disclosure of personal information of the other person by you.
Processing Personal Information
The company and its partners collect and use your personal information and other information only as follows ("The purpose"):
- To send you any administrative notices, offer alerts and communications relevant to your use of the Service.
- For market research, project planning, troubleshooting issues, detecting, and protecting against error, fraud or other criminal activity.
- To use data in connection with legal claims, compliance, regulatory and investigative purposes as necessary (including disclosure of such information in connection with legal process or litigation).
- To analyze usage of the site and to improve the Service.
- To otherwise as set forth in this Privacy Policy.
Sharing of Personal Data
As a matter of practice, we do not disclose any personal information to anyone other than those to our employees, officers, professional advisors, third-party contractors, third-party service providers strictly on a need to know basis for the purposes set out in this policy.
We may disclose your personal information to any member of our associates and affiliates for necessary purposes set out in this policy.
Personal data may be shared with government authorities, law enforcement officials or relevant regulators if required and/or mandated by law or if required for the legal protection of our legitimate interests in compliance with applicable laws.
In the event that the business is sold or merged or integrated with another business/investor, your details will be disclosed to our advisers and any prospective purchaser's adviser and will be passed to the new owners/investors of and/or in the business.
We may sell, license or distribute information in anonymized or aggregated form so that the information does not identify a specific user, without restriction, including, but not limited to, for producing data analytics and reports for business partners or other third parties.
Notwithstanding the foregoing, the Company reserves the right to share or disclose your personal information when the Company determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:
Security of your Personal Information
Whenever We obtain your personal information, we use commercially reasonable efforts to protect it from unauthorized access or disclosure. However, we are not insurers of the security of your Personal 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.
Children under 18
This website and products or services available through this website are not intended for children under the age of 18. We do not knowingly solicit or market online to children under the age of 18. If we knowingly receive a Childs’s personal data, we will immediately delete it from our system.
Data Transfers
Presently this website is operational only within the territory of India. However, information that we collect may be stored, processed in, and transferred between any of the countries in which we may operate in the future in order to enable us to use the information in accordance with this policy. You expressly agree to the transfers of personal information described in this Section.
Using your Information for Marketing Purposes
From time to time we may request more personal information in order to provide you with other benefits of the Service. In such instances, you will always be given the opportunity to provide or to decline to provide that information, and it will be used only for the stated purpose. The company may aggregate personal information and disclose such data only in a non-personally identifiable manner to:
- Third parties for their marketing and promotional purposes, such as the number of users who applied for a loan.
- Users of the Service for the purpose of comparing of their personal financial situation relative to the broader community.
Such information does not identify you individually. We may also use third party service providers to help us provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your personal information for purposes unrelated to the product or service they are providing.
Retention of Personal Information
We may retain your Personal Data for a period of time consistent with the purpose of collection. We determine the appropriate retention period for Personal Data on the basis of the amount, nature, and sensitivity of your Personal Data, the potential risk of harm from unauthorized use or disclosure, and whether we can achieve the purposes of the processing through other means, as well as the applicable legal requirements (such as applicable statutes of limitation). If there is any information that we are unable, for technical reasons, to delete entirely from our systems post appropriate retention period, we will put in place appropriate measures to prevent any further use of the data.
Log Files
As is true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you, to improve marketing, analytics, or site functionality.
Tracking Technologies
If enabled, we may place cookies on your machine that store small amounts of data on your computer about your visit to any of the pages of this Website. Cookies are small electronic files that collect information when someone visits a website. They can identify the pages that are being viewed and this can assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. Some cookies only exist whilst viewers are online, but 'persistent' cookies are not session-based and remain on the viewer's computer. When you visit this site again, 'persistent' cookies can enable us to customize our content according to your preferences.
Technologies such as: cookies, beacons, tags, and scripts are used by Online PSB Loans. These technologies are used in analyzing trends, administering the site, tracking users' movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We may use cookies for and on our website in order to personalize our service for you. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the Website.
Testimonials, Blogs, and other Forums on this Website
With your consent we may post your testimonial along with your name. If you want your testimonial removed please contact us at legal@oplinnovate.com.
If you use a blog or other public forum on our Site, any information you submit there can be read, collected, or used by other users and could be used to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these forums. These forums may be hosted by the Company by one of our third-party service providers on the Company's behalf. To request removal of your personal information from our blog or community forum, contact us at legal@oplinnovate.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Additional Policy Information Widgets
Our Website may include Widgets, which are interactive mini programs that run on our site to provide specific services from another company (e.g. displaying the news, opinions, music, etc.). Personal information, such as your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.
Single Sign-On
You can log in to our site using sign-in services such as Facebook, Google, or an Open ID provider. These services will authenticate your identity and provide you the option to share certain personal information with us such as your sign-in information, name, and email address to link between the sites.
Like Button
If you use the "Like" button to share something, that item will appear on your Facebook profile page and also on your friends' newsfeed, depending on your Facebook privacy settings. You may also receive updates in your Facebook newsfeed from this site or item in the future. Facebook also collects information such as which pages you have visited on this and other sites that have implemented the "Like" button.
Links to Third Party Sites
Our Site may include links to the platform managed by the company to provide you the services or other Web sites whose privacy practices may differ from those of the company or the platform. If you submit personal information to any of those sites, your information is governed by their privacy policies and they will be acting as data controllers of your information. While using the above web sites, read the privacy policies of the respective web sites carefully.
Disclosure of your Information to protect our rights or if required by Law
Notwithstanding the foregoing, the company reserves the right (and you authorize the company) to share or disclose your personal information when the company determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:
- As required by law
- When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request,
- In connection with any ongoing or prospective legal proceedings.
- This Policy does not apply to any information other than information collected by the Company through its Website. Further this Policy shall not apply to any unsolicited information provided by you through the Company website or through any other means. This includes, but is not limited to, information posted to any public areas of the website or mobile application. All such unsolicited information shall be deemed to be non-confidential and the company shall be free to use, disclose such unsolicited information without limitation.
Opting out
We provide our registered customers with periodic emailers and email/SMS alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting the company or third-party goods or services. The company's subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts.
Your Responsibility
You shall not disclose to any other person, in any manner whatsoever, any information relating to the Company of a confidential nature obtained in the course of availing the services through the website of the Company. Failure to comply with this obligation shall be deemed a serious breach of the terms herein and shall entitle the Company to any damages, to which you may be entitled otherwise.
If you have any complaints, security related concern, please contact nodal officer at legal@oplinnovate.com. We will work closely with you to ensure a rapid and personal response to your concerns.
Changes to the Policy
We may update this Privacy Policy to reflect changes to our information practices. We encourage you to periodically review this page for the latest information on our privacy practices.
Contact us with questions or concerns
If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy or security concern, send an e-mail to legal@oplinnovate.com. Address: First Floor, Ashwamegh Elegance - 3, Opp. SBI Corporate Office, SM Road, Ambawadi, Ahmedabad - 380015, Contact No : 079-41055999.
This Policy shall be governed by and construed in accordance with the laws of the Republic of India and the courts at Ahmedabad shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with this Policy.