Privacy Policy

www.fundbook.in (hereinafter referred to as the “Website”) is owned, developed, operated and maintained by NexusData Analytics Pvt. Ltd. (“the Company”), a company incorporated under the Companies Act, 2013, having its registered office at: 1701, 17th Floor, Tower 8, Marigold Paramount, Noida, Gautam Buddha Nagar - 201301, Uttar Pradesh. The email of the company is: support@fundbook.in

In this Privacy Policy, “we”, “our”, and “us” means the Company; “you” and “your” means any person who accesses and uses this Website.

This Privacy Policy covers this website's treatment of personally identifiable information that the company collects when you are on this website, and when you use this website's services. This policy also covers the company's treatment of any personally identifiable information that the company's business partners share with the company. This policy does not apply to the practices of companies that the company does not own or control or to people that the company does not employ or manage.

In Brief

Protecting your privacy is of the highest importance to Fundbook, and we are committed to safeguarding it. This Privacy Policy explains how we collect, process, store, and share personally identifiable information (“Personal Data”) from users of our platform, including MSMEs, Chartered Accountants (CAs), and lenders. It also includes information you provide to us directly or that we may collect through integrated service providers. By using our Website or any of our Services, you are considered to have read and accepted this Policy; if you do not agree, please do not use our platform. This policy should be read together with our Terms & Conditions. It does not apply to third-party services not operated or controlled by us. We use Information and Communication Technology (ICT) to make the process seamless, including the use of cookies. By consenting to cookies on your first visit, you allow us to use them on every visit, which helps in storing visit data, enabling analytics, and supporting features like our browser extension. This policy outlines how we use personal data, when we may share it with third parties, and how we keep it secure. Please check this policy regularly as it is subject to change without notice. Your continued use of the platform signifies your agreement to those changes and to the use and disclosure of your information in line with this Policy.

Collection of and processing of your personal data

The use of this platform may result in the collection and processing of your personal data. The term "personal data" under data protection law refers to all information relating to a specific or personally identifiable person (PII). An IP address can also be considered personal data. An IP address is assigned to each device connected to the internet by the internet service provider so that it can send and receive data. When you use the platform, we collect data that you provide yourself. In addition, when you use the platform, we also automatically collect certain information about your use of it.

We process personal data in compliance with the applicable data protection regulations. When you use this platform, we will process personal data only with your consent, for the performance of a contract to which you are a party, or in order to take steps at your request prior to entering into a contract, for compliance with a legal obligation, or if the processing is necessary for the purposes of our legitimate interests or the legitimate interests of a third party, except where such interests are overridden by your interests or fundamental rights and freedom which require the protection of personal data.

Collecting personal information

We may collect the following 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, such as your email address, that you enter when you register with our website, to set up subscriptions to our emails and/or newsletters, etc.
information such as your identity proofs, if required and submitted to the site for legal or website purposes from time to time.
information that you enter when you create a profile on our website for example, your name, profile pictures, gender, birthday, relationship status, interests and hobbies, educational details, institute details, employment details etc., which may be requested on portal from time to time;
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;
information relating to anything you purchase, services you use, or transactions you make through our website, which includes your name, address, telephone number, email address, and credit card details;
information contained in any communications that you send to us by email or through our website, including its communication content, metadata and hashed data;
Information in relation to your business including relevant and necessary financial and GST details such as PAN, GSTIN etc. and all such additional information in relation to your business.

Certain areas and features of the website are available to you without the need to provide us with any information. However, other features of the Site or the Service such as applying for a loan will require providing the platform with details such as your name, email address, address, mobile number, PAN, employment and income details, identifying information about a potential co-loan applicant (when applicable) etc., personally identifying information, a username and a password (collectively the "Registration Information"). There are no user IDs & passwords of any government or other institution asked on the platform. Any of your information that has been availed from any third party, based on this consent, shall be used only in accordance with specific internal procedures as well as the statutory stipulations and safeguards governing access, in order to operate, develop or improve the service.

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 other Transactional Communications relevant to your use of the Service;
To enable you to apply for certain products and services for which you have chosen to apply;
For market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;
To third-party contractors and partners that provide services to the company and are bound by these same privacy restrictions & confidentiality obligations;
To enforce Company's terms & conditions;
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/s and security;
To otherwise as set forth in this Privacy Policy.
To perform various analytics for the betterment of the user experience/products
To carry out obligations arising from any contracts entered into between the User and company and to provide User facilities and services as per Users interest.
To notify the User about changes or updates to application's User account.
To respond to the Users to requests, inquiries, comments or concerns.
To allow the User to participate in interactive features of our service when User chooses to do so.
If you contact our customer service team, we keep a record of your correspondence with us, in order to optimize our service for you.
If you have given us permission, we will send you push notifications via our Platform to inform you about your membership status and to notify you of the latest status and other activity with regard to Your Account. We may also send you push notifications with suggestions you might like and other promotional material.

Sharing of personal data

As a policy, we do not disclose any personal information to anyone other than our employees, officers, professional advisors, trusted third-party contractors, and service providers, as reasonably necessary for the purposes set out in this policy. We may disclose your personal information to any member of our group of companies (this includes our subsidiaries, our ultimate holding company/ies, and all its subsidiaries) as reasonably necessary for the purposes outlined in this policy.

Your personal data may be shared only under the following conditions:

With Trusted Third Parties a. Banks, NBFCs, and other lenders for the purpose of loan assessment and disbursal. b. Chartered Accountants acting on your behalf to assist with financial documentation and applications c. Technology partners providing secure hosting, data analytics, or KYC verification.
Co-branded Experiences a. If you access Fundbook through a co-branded partner campaign or portal, relevant data including your name, mobile number, and loan details may be shared with the partner for the specific purpose of service delivery or follow-up.

There are several products and services that may be offered by third parties on our platform, such as bank statements, ITRs, credit scores, GST returns, data from MCA, etc. (collectively referred to as “Offers”). If you choose to apply for these products or services, disclose information to those providers, or grant them permission to collect information about you, then their use of your information will be governed by their own privacy policies, and they will act as data controllers of your information. You should evaluate their privacy practices and review their privacy policies before choosing to use their services. Fundbook is not responsible for the privacy practices of these external service providers.

Personal data may also be shared with third-party service providers who will process it on behalf of the Company for the purposes identified above. These include:

Payment providers
Identity verification agencies
Credit rating agencies
Fraud prevention agencies
Digital marketing and content delivery agencies
GST Suvidha providers
Application service providers
Bank statement analyzing agencies

For the purposes of applicable Data Protection Law, the Company is the data controller of your personal data. You can get in touch with the Company by using the contact details mentioned on the contact us page.

Personal data may be shared with government authorities, law enforcement officials, or relevant regulators if required for the above purposes, mandated by law, or necessary for the legal protection of our legitimate interests in compliance with applicable laws.

In the event that the business is sold, merged, or integrated with another business or investor, your personal information may be disclosed to our advisers and any prospective purchaser’s advisers and may be transferred to the new owners or investors.

Security of your personal information

We will take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of your personal information. We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it.
We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect the accounts and systems from unauthorized access.
All electronic financial transactions entered into through our website will be protected by encryption technology.
When you register for the Service, this platform requires a password from you for your privacy and security. The platform transmits information such as your Registration Information for the company/ this platform or Account Credentials securely.
Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us.
You acknowledge that no method of transmission over the Internet, or method of electronic storage, is 100% secure, however, therefore, we cannot guarantee its absolute security. If you have any questions about security on our Website, you can contact us on the email provided in contact us segment on our website

Data transfers

Presently the platform 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. The company may aggregate personal information and disclose such data in a manner to:

Third parties for their marketing and promotional purposes;
Users of the Service for the purpose of comparing with relative to the broader community.

Such information may 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.

Retention of personal information

We need your personal data in order to:

Provide our products and services to you.
Manage our business for our legitimate interest
Comply with legal obligations, if any

You may choose not to share personal data or withdraw consent but doing so may limit the services we are able to provide to you. However, once you choose to withdraw the consent the personal data which has been shared, shall continue to remain with us for as long as the applicable law provides. 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.

Changes to your personal information

If your personal Information provided when you applied for a product on the platform changes, you may update it whenever you apply for a new product. To review and update your personal information to ensure it is accurate while your application is in process.

We will retain your information for as long as your account is active or as needed to provide you services or as may be required for internal analysis purpose or as may be required by law, whichever is later. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at email provided in the contact us section of the website. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

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 / cookies

Cookies are small pieces of information sent to you by our website server. We use cookies to enhance our website user experience and to add extra functionalities to our website. If you don't want us to save your information, you can disable or decline cookies in your browser.

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 Company and our partner entities, affiliates, or analytics or service providers such as google Ad sense, google analytics etc. 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 use cookies for and on our platform 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.

Behavioural Targeting / Retargeting

We may partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third-party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests.

There are a number of products and services that may be offered by third parties on our Site, such as lenders, banks, credit bureau, scores, KYC Checks etc. (collectively, "Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies and they will be acting as data controllers of your information. You should evaluate the practices of these external service providers and should view their privacy policies or contact them directly for further information before deciding to use their services. The Company is not responsible for their privacy practices.

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 support@fundbook.in. 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 or 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 support@fundbook.in. 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.

Single sign-on

If you use the "Like" / "Share" button to share something, that item will appear on your Social Media profile page and also on your friends' newsfeed, depending on your social media's privacy settings. You may also receive updates in your social media account's newsfeed from this site or item in the future. Such social media companies also collect information such as which pages you have visited on this and other sites that have implemented the "Like" button.

Like / share button

If you use the Like and Share button to share something, that item will appear on your Social Media profile page and also on your friends newsfeed, depending on your social media privacy settings. You may also receive updates in your social media account newsfeed from this site or item in the future. Such social media companies also collect 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 includes links to other Web sites whose privacy practices may differ from those of the company. 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. We encourage you to carefully read the privacy policy of any Web site you visit.

Opting out

We provide our registered customers with periodic emails and email/SMS alerts. We also allow users to unsubscribe 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 concerns, please contact nodal officer at support@fundbook.in . We will work closely with you to ensure a rapid and personal response to your concerns.

You are responsible for maintaining the confidentiality of your login id and password. You are responsible for maintaining the security of your Login ID and Password and may not provide these credentials to any third party. If you believe that they have been stolen or have been made known to others, you must contact us immediately at details mentioned in the contact us segment of the website. We are not responsible if someone else accesses your account through Registration Information they have obtained from you or through a violation by you of this Privacy and Security Policy or the Company Terms & Conditions.

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 and Security Policy or any other privacy or security concern, send an e-mail to support@fundbook.in . This Policy shall be governed by and construed in accordance with the laws of the Republic of India and the courts at Ahmedabad, Gujarat, India shall have sole and exclusive jurisdiction in relation to any disputes arising out of or in connection with this Policy.

IPR ownership

You shall not copy, modify, transmit, distribute / redistribute, reverse engineer etc., but not limited to, or in any way exploit the Products or any other copyrighted materials and content provided other than for your individual training. Any other purpose is expressly prohibited under these terms. You shall also not permit anyone else to copy, use, modify, transmit, distribute or in any way exploit the Products or any other copyrighted materials, trademark/ registered mark, the designs, innovations, business ideas etc., which together shall be known as IPR and the ownership of the same belongs to the company. Any infringement, theft etc., of the IPR of the company shall result in criminal proceedings against you at your risk, cost and consequences.

Children's Privacy

Our Services do not address anyone under the age of 18. We do not knowingly collect personal identifiable information from children under 18. In the case we discover that a child under 18 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. Users below 18 years of age are advised to use this platform/ Services under guardianship of their parent/s and/or legal guardian.