Capitalneed.com (“Website” and “Mobile App”) recognizes the importance of maintaining your privacy. Capitalneed.com is committed to maintain the confidentiality, integrity and security of all information of our users. This Privacy Policy describes how Capitalneed.com collects and handles certain information it may collect and/or receive from you via the use of this Website. This Privacy Policy applies to current and former visitors to our Website. By visiting and/or using our website, you are accepting and consenting to the practices described in this Privacy Policy.

By using or continuing to use the Website you agree to our use of your information (including sensitive personal information as defined under the Information Technology Act, applicable rules, notification etc.) in accordance with this Privacy Policy, as may be amended from time to time by Website in its discretion.

 

The information we learn from customers helps us personalize and continually improve your experience at the Website.

Here are the types of information we gather.

• We receive and store any information you enter on our Website or give us in any other way. You can choose not to provide certain information but then you might not be able to take advantage of many of our services and features.

• We receive and store certain types of information whenever you interact with us. For example, like, we use "cookies" and we obtain certain types of information when your web browser accesses the Website or advertisements and other content served by or on behalf of the Website on other websites. We may also receive/store information about your location and your mobile device, including a unique identifier for your device.

• We might receive information about you from other sources and add it to our account information.

 

Capitalneed.com collects your information when you register for an account, when you use its products or services, visit its Website's pages. When you register with Capitalneed.com, you are asked for your first name, last name, state and city of residence, email address, date of birth, and sex. Once you register at the Website and sign in you are not anonymous to us. Also, you are asked for your contact number during registration and may be sent SMS, notifications about our services to your wireless device. Hence, by registering you authorize the Capitalneed.com (including its business partners and affiliates) to send texts and email alerts to you with your login details and any other service requirements, including promotional mails and SMS, even if you have registered yourself under DND or DNC or NCPR services. Your authorization shall be valid as long as your account is not deactivated.

 

• Assist our business partners in facilitating and delivering services to you, process payments and your applications, communicate with you about products, services and promotional offers

• Respond to queries, or requests submitted by you, and resolve your grievances/issues/problems with any services supplied to you

• Administer or otherwise carry out our obligations in relation to any agreement with our business partners

• Send you information about special promotions or offers. We might also tell you about new features or products/services. These might be our own offers or products/services, or third-party offers or products/services with whom Capitalneed.com has a tie - up

• Use your information for internal analysis and to provide you with location-based services, such as advertising, search results, and other personalized content

• Use this information to improve our platform, prevent or detect fraud or abuses of our Website and enable third parties to carry out technical, logistical or other functions on our behalf. We may combine information we get from you with information about you we get from third parties

• Send you notices, communications, and recommend services that might be of interest to you update our records and generally maintain your accounts with us, display content and customer reviews

• As otherwise provided in this Privacy Policy

 

Some features of this Website or our Services will require you to furnish your personally identifiable information as provided by you under your account section on our Website.

You also agree and consent to us collecting, storing, processing, transferring and sharing information (including sensitive personal information) related to you with third parties or service providers for the purposes as set out in this Privacy Policy.

 

 

Capitalneed.com will not sell or rent or otherwise disclose your information for commercial purposes to anyone in a way that is contrary to the commitments made and/or other than as set forth in this Privacy Policy. Notwithstanding the foregoing, we may share your information to an affiliate and/or business partner. Capitalneed.com may also share, sell, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of Capitalneed.com business or upon the merger, reorganization, or consolidation of it with another entity on a basis that it is not the surviving entity. For the purposes of this paragraph, "affiliate" means any person, company, or Capitalneed.com directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with Capitalneed.com (The term "control," as used in the preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person. As used in this Privacy Policy, the term "Person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association, or any other entity). We limit the collection and use of your personal information. We may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner. Such information does not identify you individually. Access to your Account information and any other personal identifiably information is strictly restricted and used only in accordance with specific internal procedures, and for the purposes set out in this Privacy Policy, in order to operate, develop or improve our services. We may use third party service providers to enable you to provide with our services and we require such third parties to maintain the confidentiality of the information we provide to them, under our contracts with them.

We may also share your information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. You agree and consent for the Website to disclose your information, if so required, under applicable law.

There are number of products/services such as loans, credit cards, mutual funds, offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies in addition to the Privacy Policy of the Website. Capitalneed.com is not responsible for their privacy policies. We encourage you to visit and read about the privacy notices and procedures adopted by these third parties/providers, when you apply for their products or services.

 

Like most standard websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer to you, to improve marketing, analytics or site functionality.

 

A cookie is a piece of data stored on the user's computer tied to information about the user. We may use both session ID cookies and persistent cookies. For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. A persistent cookie is a small text file stored on your computer's harddrive for an extended period of time. Session ID cookies may be used by Capitalneed.com to track user preferences while the user is visiting the website. They also help to minimize load times and save on server processing. Persistent cookies may be used by PRP to store whether, for example, you want your password remembered or not, and other information. Cookies used on the PRP website do not contain personally identifiable information.

Most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether. Additionally, you can disable or delete similar data used by browser add-ons, such as Flash cookies, by changing the add-on's settings or visiting the website of its manufacturer.

However, because cookies allow you to take advantage of some of the Website's essential features, we recommend that you leave them turned on. For instance, if you block or otherwise reject our cookies, you may not able to use any Website products and services that require you to Sign in.

 

Capitalneed.com understands that the confidentiality, integrity, and availability of your information are vital to our business operations and our own success. We employ appropriate technical and organizational security measures at all times to protect the information we collect from you. We use multiple electronic, procedural, and physical security measures to protect against unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. Capitalneed.com is ISO certified organization and protects your information as per the International Standard IS/ISO/IEC 27001 on "Information Technology Security Techniques Information Security Management System-Requirements”. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. Further, you are responsible for maintaining the confidentiality and security of your login id and password, and may not provide these credentials to any third party.

 

We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Website. These companies may use information (excluding your name, address, email address, or telephone number) about your visits to this Website in order to provide advertisements on this Website and other third party websites about goods and services that may be of interest to you.

We use third-party service providers to serve ads on our behalf across the internet and sometimes on this Website. They may collect anonymous information about your visits to Website, and your interaction with our products and services. They may also use information about your visits to this and other Websites for targeted advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major Websites. No personally identifiable information is collected or used in this process.

 

 

There might be affiliates or other sites linked to Capitalneed.com. Personal information that you provide to those sites are not our property. These affiliated sites may have different privacy practices and we encourage you to read their privacy policies of these websites when you visit them.

 

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Regarding regulatories :

State Level Coordination Committee (SLCC) is the joint forum formed in all States to facilitate information sharing among the Regulators viz. RBI,SEBI,IRDA,NHB, PFRDA, Registrar of Companies (RoCs) etc. and Enforcement Agencies of the States viz Home Department, Finance Department, Law Department, Economic Offences Wing (EOW) etc.
https://sachet.rbi.org.in/

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Regarding Consumer loan fees and charges, Please refer the following link. 
https://www.ltfs.com/our-products/consumer-loan/fees-charges

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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 Capitalneed.com or third-party products. Subject to the express consent clause above, our Website 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 e-mails/SMS, such as e-mail/SMS alerts. The above services are also provided by our partners.

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 use the collected log information about you to improve services offered to you, to improve marketing, analytics, or Website functionality.

Capitalneed.com use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service.

1. • Capitalneed.com will retain your information for as long as it is necessary for providing you the Services available on the Website or your request for termination of your account with Capitalneed.com, whichever is later.
   • Post termination of your account, Capitalneed.com may continue to use your anonymized data aggregated or in combination with anonymized data of other users. We use this aggregated anonymized data for data analysis, profiling and research purposes, for example to gain insights about our users and their profiles. We may keep your contact information along with your application details (if any) for fraud prevention purposes and for the exercise/ defense of a legal claim or for providing evidence in legal proceeding(s).
   • EMAIL & SMS COMMUNICATIONS FROM US AND OUR PARTNERS
   • LOG FILES 

 

 

 

Capitalneed.com reserves the right to change this policy from time to time, at its sole discretion. We may update this privacy policy to reflect changes to our information practices. We encourage you to periodically review. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the statement.

 

 

In case you have any grievances or want to address any discrepancy with respect to the processing of any of the information/data you provided to Capitalneed.com, please contact our Grievance Officer. The name and contact details of the Grievance Officer are provided below: