Your privacy is important to Mahindra & Mahindra Financial Services Limited (MMFSL)/ Mahindra Finance. This policy describes what type of information is collected, how the information is used, with whom the information is shared, and how the information is protected.
For the purposes of this Privacy Policy, the terms we, us and our refer to MMFSL/ Mahindra Finance. and/or our subsidiaries and affiliates. You, Your refers to you, as a user of our Services.
Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If You do not agree with our policies and practices, Your choice is not to use our Services. By accessing or using our Services, You agree to this privacy policy. This policy may change from time to time, your continued use of our Services after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.
This policy applies to information collected by Mahindra Finance through the use of its mobile applications.
Information Relevant to the Financial Assistance provided by MMFSL
Pursuant to your request for financial assistance to MMFSL/the financial assistance extended by MMFSL to You, and owing to insufficient credit history available on Your profile, We will collect information from your mobile device which will include your contacts, SMS, call history, location, browsing history, installed apps, calendar events, phone number, brand and model, Name, Home address, Guardians name (if minor), Email address, Domain address, Telephone number, Date of birth, Job position, Occupation, Company. No passwords will be collected by us.
User credential, or any information that you submit to us. Other personal information we collect may include:
Financial information such as income, assets and your financial investment strategy and investment background documents, that you provide to us to verify your identity, such as copies of your passport, utility bills, and/or bank statement or your company incorporation details.
We may use cookies (If not selected may affect certain or all functionalities), Web Beacons / Web bugs or other technologies to automatically collect certain information when You will use our application. We may combine your information, automatically gathered information and the information we collect through cookies/web beacons / web bugs, including information that we have collected about you, or information that we have obtained from other sources.
We may aggregate any statistics or data that are collected, but we are under no obligation to do so.
We may automatically collect certain non-personal information from You such as Your browser type, operating system, software version, Internet Protocol (IP) address, General geographic location indicated by your IP address, Website that referred you to us, and similar information. We may also collect information about your use of the Site, including the date and time of access, the areas or pages that You visit, the number of times You return, and other Site usage data.
Cookies are small text files which a website may put on your computer or mobile device when You first visit a website or page. The cookie will help the website, or another website, to recognize your device the next time You visit. We use the term cookies in this policy to refer to all files that collect information in this way.
There are many functions cookies serve. For example, they can help us to remember your username and preferences, analyze how well our website is performing, or even allow us to recommend content we believe will be most relevant to You.
Cookies can remain on your device for different periods of time. Some cookies are session cookies, meaning that they exist only while your browser is open. These are deleted automatically once You close your browser. Other cookies are permanent cookies, meaning that they survive after your browser is closed. They can be used by the website to recognize your computer when You open your browser and browse the Internet again.
Once You download and install the Mahindra Finance application on your mobile handset, the said application will gain access to the relevant applications on your mobile device which will enable to application to collect the information (discussed above). By agreeing to this privacy policy after the installation of the app, you will allow us to collect the information mentioned above about You available on Your mobile device.
The information collected by us will be used for the following purposes:
Evaluating your creditworthiness
We may share personal information with organizations or individuals that perform functions on our behalf. For example, service providers may process payments for our products and services or may store and process data on our behalf. These service providers are granted access to personal information for the purpose of performing their functions for Mahindra Finance.
Mahindra Finance may share collected personal information with group companies whose products and services we believe you may find of interest. If you wod prefer that we not share your personal information with any third parties for the third parties marketing purposes, you can notify us of your preference by contacting us as described in the Contact Us section.
Mahindra Finance may share personal information in response to a court order, a request for cooperation from a law enforcement or other government agency, or as otherwise required by law to persons acting as representative capacity on your behalf to defend against legal claims to investigate, prevent, or take other action regarding illegal activity, suspected fraud, suspected violations of terms and conditions associated with any of our products or services, or other wrongdoing or to protect and defend the rights, property or safety of our company, our users, our employees, or others.
Mahindra Finance may share personal information in connection with a substantial corporate transaction, such as mergers, acquisition, the sale of our business, a divestiture, consolidation, or asset sale, or in the unlikely event of bankruptcy.
Mahindra Finance may share personal information as otherwise described to you at the point of collection or pursuant to your consent.
We take the security of your Information very seriously and have implemented policies and procedures that are designed to help safeguard your Information from unauthorized access, use or modification including:
Mahindra Finance use commercially reasonable security measures (including physical, electronic and procedural measures) to help safeguard personal information against loss, misuse, damage or modification and unauthorized access or disclosure. However, no system for transmitting or storing information electronically can be completely secure. Therefore, we cannot guarantee that personal information or other communications will always remain secure
We do not knowingly collect personal information from minor children. If we learn that we have collected personal information from a child who are in the minor category, we will delete that information from our database.
MMFSL shall retain the information provided by You for as long as required to close your loan account with us. We will also retain your information as necessary to comply with applicable legal obligations, to resolve disputes, and to enforce our agreements.
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