Privacy Policy

Yuvaraj Finance Private Limited (“us”, “we”, or “Yuvaraj”) aims to make users (“You” or “Customer” or “User”) of our Yuva Application and internet resource yuvalms.in (“Platform”), understand the reason for collection of your information and its usage and the manner in which we collect, use, store and share information received from you.

We make every effort to ensure that the information you provide will not be misused.

This privacy policy (“Privacy Policy”) shall apply to information we collect when you access or use the Platform to get Services/Products of Yuvaraj (collectively the “Services”).

In order to take advantage of any Services provided by Yuvaraj, it is important that you read, understand, acknowledge and agree to be bound by the provisions of this Privacy Policy.

BY APPLYING TO OUR SERVICES, YOU HEREBY AGREE TO PROVIDE US WITH THE INFORMATION AS MAY BE REQUESTED AND ACCEPT THE TERMS OF THIS PRIVACY POLICY.

IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY OR ANY PART OF IT, PLEASE DO NOT USE, ACCESS, DOWNLOAD OR INSTALL THE PLATFORM OR ANY PART THEREOF.

Our goal in this Privacy Policy is to be completely transparent about the data we collect, why we collect, use, share, store and protect personal information about users.

Information Collection and Use

During the use of the Platform, we may collect information about you from you and from third parties. While some information has to be mandatorily provided in order to avail our Services, others are optional and certain portions of the information will remain private and some will be shared with associated third parties. All information you provide to us is voluntary. This information is including but not limited to the following:

information about you when you register or when you use the Platform;
personal and financial information like your name, email address, contact number, gender, date of birth, contact information, address, employment information, pay slips, academic qualification, PAN no., Aadhar no., bank statements, etc.;
credit related information that is collected from other sources like credit bureaus.
Information about your transaction history like spend data.
We may also collect other personal information, location data, mobile device data etc.
your unique identifiers such as username and password, preferences information and transaction history;
information that you provide when you write directly to us (including by e-mail) or provide us over telephone;
any other information that Yuvaraj is required to collect as per specific mandate from any bank or as a requirement under applicable law;
Electronic bank statements through a 3rd party provider
Aggregate information and electronic data – like the pages viewed, how you navigate through the Platform, etc.

For making the Services available to you, we may collect information by obtaining specific authorisations from you (if required under applicable laws), from certain third parties.

Mobile device

To provide you with our Services, we may require access to the following:

Mobile device
Log data
Cookies
Third-party service providers

In case you are using our Services, You also permit us to retrieve your personal information from:

Camera: we use the camera to enable you to take images of the KYC documents like Selfie, Payslip, PAN card etc.
Photos/media/files: We access your image gallery to enable you to upload KYC documents.
Location: Location information is captured at the time of login and is a useful parameter to determine the last location.

You understand that, by creating an account, we will be able to identify you by your Service proﬁle.
However, we will not be liable under any circumstance for the generation of your proﬁle or the information you provide therein.

YUVARAJ will also not be liable for the photographs and data that the Users might upload, the use and misuse thereof.

We will ask for your bank account details only for the Service. All the information that you shall provide us is voluntary, including sensitive personal information.

You understand that YUVARAJ may use certain information of yours, which has been designated as ‘sensitive personal data or information’ under the IT Rules for the purpose of providing you the services and for sharing the information only with affiliates who are subject to this Privacy Policy, as will be explained further below.

Data / Cookies

We may set cookies to track your use of Services. These are used to enhance your experience with our Services. We use cookies to help us identify who you are, so your login experience is smooth each time. Cookies also allow us to collect Non-Personally Identiﬁable Information from you, like which pages you visited and what links you clicked on. Use of this information helps us to create a more user-friendly experience for all visitors. In addition, we may use Third Party Advertising Companies to display advertisements. By using Services, you signify your consent to our use of cookies. Please note that if you decline or delete these cookies, some parts of our Services may not work properly.

Data Storage and Security Information

We maintain administrative, technical and physical safeguards designed to protect the security, confidentiality and integrity of your personal information. We store only basic minimal data that may be required to carry out our operations and provide you with the Services.

We retain your data for as long as necessary to provide you with Services. We may also retain and use your basic personal information as necessary to comply with our legal obligations, resolve disputes, and enforce loan agreement(s) which shall always be in accordance with applicable laws.

We store all the customer data on cloud servers to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls, SSL data encryption and access authorization controls.

However, you understand and accept no data transmission over the Internet can be guaranteed to be completely secure. We cannot ensure or warrant the security of any information that you transmit to us and you do so at your own risk. Data pilferage due to unauthorized hacking, virus attacks, technical is possible and we take no liabilities or responsibilities for it.

Privacy Policies of Third Parties

This Privacy Policy only addresses the use and disclosure of information we collect from you. Other websites/apps that may be accessible through our Services have their own privacy policies and data collection, use and disclosure practices. If you link to any such website, we urge you to review such website′s privacy policy. We are not responsible for the policies or practices of third parties.

Third-party websites and advertisers or internet advertising companies working on our behalf, sometimes use technology to send or serve data that appear on the Platform. They automatically receive your IP address when that happens. They may also use cookies, JavaScript, web beacons and other technologies to measure the effectiveness of their advertisements and to personalize advertising content.

Please be advised that we do not have access to or control over cookies or other features that they may use, and the information practices of these advertisers and third-party websites are not covered by this Privacy Policy.

Therefore, we are not responsible for the information or content they may contain, nor are we responsible for the privacy practices employed therein. Please contact them directly for more information about their privacy policies.

Service Providers

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

To assess User’s credit risk;
To facilitate our Service;
To provide the Service on our behalf;
To perform Service-related services; or
To assist us in analyzing how our Service is used.

Following third-party services may be used by the Platform (including but not limited to):

Credit bureaus (CIBIL, CRIF, Equifax, Experian)
Google
Aadhaar Bridge
Payment Gateways
Lending Service Providers

We want to inform users of Service that these third parties have access to your personal information. The reason is to perform the tasks assigned to them on our behalf. By accepting this Privacy Policy, you hereby provide your consent to disclose your personal information to third party service providers.

Regulatory disclosure

We will share all information we collect from you, including the personal information with any third party if we in good faith believe it is required for the purposes of our compliance with any applicable law, regulation, legal process or enforceable governmental request/ action or any manner required for the purposes of protecting our rights or interests. By accepting this Privacy Policy, you hereby provide your consent to disclose your personal information for such regulatory disclosure.

Withdrawal of the consent

You are allowed 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, ask us to delete/ forget the data. You are also allowed to ask us to delete your account in the Platform. However, any such denial/withdrawal/restriction will not be permitted in case any Service availed by You is active. Please note that you cannot continue using our Services if any such controls are exercised and new consent not provided. Further, any such controls exercised will not prejudice our right to retain any data in relation to the Services provided to you or retain data required by applicable laws.

Should you wish to exercise any of the Withdrawal of the consent options or delete your account in the Platform, please contact us using the Platform facility.

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. Such changes are effective immediately after they are posted on this page.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us using the Platform facility or any communication method (contact) provided on the Platform.