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Privacy Policy

Valuue.in is concerned about the privacy of its users (herein referred to as "You", "Yourself" or "Users") accessing its website and/or mobile applications and/or availing the services being provided by Valuue.in.
Valuue.in has thereby provided this privacy policy ("Policy") to familiarize You with the manner Valuue.in handles and deals with Your information.
The Policy is subject to change at any time without notice. By visiting this website and every time You choose to use on this website or on any of our Merchant Partner's website, You agree to be bound by the terms and conditions of this Policy.
To make sure you are aware of any changes, please review this Policy periodically.

Information Collected

When you use any of the services provided by Valuue.in on this website, or on any portal provided by Valuue.in or on the website of any of Valuue.in's Merchant Partners, Valuue.in may seek and collect certain personal information (hereinafter referred to as "Information"). Accordingly, whenever You use this website, avail any of the services of Valuue.in directly or with partnership with a Merchant Partner of Valuue.in, You consent to the collection, use and disclosure of the Information in accordance with the terms and conditions of this Policy.

Personal information refers to any information that relates to a natural person, which is capable of identifying such a person. Valuue.in may collect Information such as your name, address, mobile number, date of birth, gender, qualifications, proof of identity, proof of address, bank account details, transaction history on its Merchant Partner's websites, data available on mobile phone and other electronic devices, etc.

The Information may be collected from you when you use the website valuue.in, or when you use the mobile phone applications of Valuue.in, or when you fill in the information in any online application form provided by Valuue.in or when you make a transaction with any of the Merchant Partners of Valuue.in. The Information being collected may be categorized into mandatory and voluntary. In the event you do not provide the mandatory information, Valuue.in may not be able to provide You with its services.

Valuue.in only collects Information, which is relevant with the services being provided by Valuue.in. The Information is collected to ensure that we are compliant with existing regulations and can render the services properly.

We use data collection devices such as "cookies" on certain pages of our website and in our mobile applications to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. We offer certain features that are only available through the use of a "cookie". Cookies can also help us provide information that is targeted to your interests. Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline our cookies if your browser permits.

If you transact with us, we collect some additional information, such as a billing address, a credit/debit card number and credit/debit card expiration date and/ or other payment instrument details and tracking information from cheques or money orders.

Utilisation of the Information

The Information collected will be used for the following purposes:

To verify your identity on Valuue.in's platform or the platform of any of its Merchant Partners
To create the best, personalised experience for you
For internal data analysis and marketing operations
To reach out to potential customers and offer them the best customised services through the platform
Ensure adherence to legal and regulatory requirements for prevention and detection of frauds and crimes amongst others

Valuue.in will keep your Information confidential to the maximum extent possible. Valuue.in may have partnership and/or collaboration arrangement with various financial institutions ("FI Partners") and merchants ("Merchant Partners"), and may share Your Information with them if required. The Information thus shared with the FI Partners and the Merchant Partners shall be processed and dealt by them in accordance with individual privacy polices. You hereby consent to your Information being shared by Valuue.in with its FI Partners and/or Merchant Partners. Valuue.in does not make any representation about the privacy policies of any third parties.

In the event Valuue.in receives any document on behalf of the FI Partner or the Merchant Partner, Valuue.in shall collect and retain such documents as an agent for the FI Partner and the Merchant Partner as the case may be.

Valuue.in does not sell or rent your Information. The Information is only used by Valuue.in to provide its services to its customers.

Disclosure of Information

Internal Use: Valuue.in and its employees may utilise the Information for the purposes as set out in the ‘Utilisation of the Information' section.

Government agencies: Valuue.in may share any and all parts of the Information with Government agencies, administrative bodies, authorised law enforcement agencies, court, regulatory/governmental authority or any other organisation, individual or entity for the following reasons:

Verification of identity
Prevention, detection, investigation including but not limited to cyber incidents, prosecution and punishment of offences
To comply with applicable law, order, regulation, or government request
To enforce applicable terms of service, including investigation of potential violation.
To detect, prevent, or otherwise address fraud, security or technical issues
For any other purpose as required by law, judicial or administrative order or regulation

Security Practices and Procedures

Internal access to the Information is on a need- only basis. Further, employees and personnel of Valuue.in are bound by confidentiality policies, which obligate them to protect the confidentiality of the Information.

Best efforts will be taken to ensure that the third parties to whom the Information is shared to enable Valuue.in to provide its services are also bound by confidentiality policy similar to the policy that Valuue.in abides by.

The Information shall be retained for as long as is required to provide the services to you, or as may be required for internal operations or as may be required by law. Wherever Your Information may be held within Valuue.in, the Valuue.in intends to take reasonable steps to protect it from unauthorized access or disclosure. Valuue.in is committed to protecting the security of Your personal information. We use a variety of security technologies and procedures to help protect Your personal information from unauthorized access, use, or disclosure.

Notwithstanding anything mentioned herein in this Policy or elsewhere, Valuue.in shall not be held responsible for any loss, damage or misuse of Your Information, if such loss, damage or misuse is due to a Force Majeure Event.

A "Force Majeure Event" shall refer to any event that is beyond Valuue.in's reasonable control and shall include, without limitation, flood, explosion, acts of God, sabotage, fire civil commotion, strikes or industrial action of any kind, war, acts of government, riots, insurrection, computer hacking, un-authorised access to computer data and storage device, computer crashes, breach of security and encryption, etc.

Any dispute you may have in relation to the collection and use of Your Information shall be subject to this Policy and laws of India.

In accordance with Information Technology Act 2000 and rules made there under, the contact details of the Grievance Officer are provided below:
Grievance Officer – Earnmark Ventures Pvt Ltd 
Email: compliance@valuue.in

Questions?
Questions regarding Valuue.in, its products or any other questions in relation to the foregoing should be directed to the following address: support@valuue.in