Privacy
Instant Mudra portal/application is available on both Web and Android. This SERVICE is provided by Instant Mudra to its network/users.
This page informs visitors about our policies regarding the collection, use, and disclosure of Personal Information for anyone who chooses to use our Service.
By using our Service, you agree to the collection and use of information as described in this policy. The Personal Information we collect is used to provide and improve the Service. We do not use or share your information with anyone except as outlined in this Privacy Policy.
The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible within the portal/ application unless otherwise defined here.
User Data Policy
Instant Mudra is committed to protecting your personal information and ensuring transparency about how we collect, use, and share your data. By using our services, you agree to the collection and use of information in accordance with this policy.
1. Information We Collect
We collect the following types of information to provide and improve our services:
- Personal Information: This includes your name, contact details, date of birth, gender, educational qualifications, employment status, and marital status.
- Identification Data: Details from government-issued identification documents such as Aadhaar, PAN card, and voter ID.
- Financial Information: Your credit history, income details, loan details, bank account information, and transaction history.
- App Data: Information about installed applications on your device to provide customized loan offers.
2. Use of Information
The collected information is used to:
- Facilitate your access to our platform and services.
- Conduct KYC (Know Your Customer) and other verification processes.
- Provide personalized loan offers and services.
- Improve our services and user experience.
3. Data Sharing and Disclosure*
We do not share your personal information with third parties except in the following circumstances:
- With your explicit consent.
- To comply with legal obligations or governmental requests.
- With service providers who assist us in operating our platform and services, subject to strict data protection agreements.
4. User Rights
You have the right to access, correct, or delete your personal information held by us. To exercise these rights, please contact us at support@instantmudra.co.in.
Information Collection and Use
To improve your experience, we may require you to provide certain personally identifiable information. This information will be retained and used as described in this Privacy Policy.
The app uses third-party services that may collect information to identify you.
Third-Party Services and Links to Privacy Policies:
- Razorpay
- Tapits
- Credopay
When an error occurs within the portal/app, we may collect data and information (through third- party products) on your device called Log Data. This may include your device’s Internet Protocol (“IP”) address, device name, operating system version, the app’s configuration when using our Service, and other statistics.
Electronic Communications
When you visit the Site or correspond with us via e-mail, you are communicating electronically with us. You consent to receive communications from us electronically. We will communicate with you via e-mail or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communication that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Copyright
All content included on this Site, such as text, graphics, logos, button icons, images, audio clips, data compilations, and software, is the property of Instant Mudra and its content suppliers and protected by India and international copyrights. The compilation of all content on this Site is the exclusive property of Instant Mudra or its affiliates and protected by India and international copyrights. The compilation of external content in the Public Domain and made available on this Site, is the exclusive property of third-party content providers and, is subject to India and international copyrights. The content has been presented in accordance with the necessary permissions and adherence to stipulated norms, citation policies and copyright policies of these providers. Use of generic information in the public domain has been attributed to the source URL and respective providers.
Trademarks
Instant Mudra, the Instant Mudra logo and other marks indicated on our Site are trademarks of Instant Mudra or its affiliates in India and other countries. Other Instant Mudra graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of Instant Mudra or its affiliates. Instant Mudra trademarks and trade dress may not be used in connection with any product or service that is not Instant Mudra, in any manner that is likely to cause confusion among users, or in any manner that disparages or discredits Instant Mudra. All other trademarks not owned by Instant Mudra that appear on this Site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Instant Mudra.
License and Site Access
Instant Mudra grants you a limited license to access and make personal use of this Site and not to download (other than page caching) or modify it, or any portion of it, except with written consent of Instant Mudra, as may be applicable. Instant Mudra grants free unrestricted access to public data for your personal use with links to download. This is in accordance with the terms of use, of the copyright material and public site owners. This license does not include any resale or commercial use of this Site or its contents; any derivative use of this Site or its contents; or any sue of data mining, robots, or similar data and extraction tools. This Site or any portion of this site (including, but not limited to any copyrighted material, trademarks, or other proprietary information) may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of Instant Mudra, as may be applicable. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Instant Mudra without express written consent. You may not use any Meta tags or any other “hidden text” utilizing Instant Mudra’s name or trademarks without their express consent. Any unauthorized use terminated the permission or license granted by Instant Mudra. You are granted a limited, non-assignable, revocable, and non-exclusive right to create a hyperlink to the home page of Instant Mudra as long as the hyperlink does not portray Instant Mudra, or its products, solutions and or services in a false, misleading, derogatory, or otherwise offensive manner. You may not use any logo or other proprietary graphic or trademark of Instant Mudra as part of the link without their express written permission.
Your Activity On The Instant Mudra Site
Instant Mudra Site is intended for the use by individuals of all ages. However, if you are a minor, i.e. a person under the age of 18 years, you are recommended to visit the Site with the assistance of a parent or guardian and Instant Mudra reserves the right to edit content in its sole discretion. You must no use the Site in any way that causes, or is likely to cause, the Site or access to it to be interrupted, damaged or impaired in any way. You understand that you and not Instant Mudra, are responsible for all electronic communications and content sent from your computer to us and you must use the Site for lawful purposes only and only in accordance with the applicable law. You MUST NOT use the site for any of the following activities:
- For fraudulent purposes, or in connection with a criminal offense or other lawful activity.
- To send, use or reuse any material that is illegal, offensive, (including but not limited to material that is sexually explicit or which promotes racism, bigotry, hatred or physical harm), abusive, harassing, misleading, indecent, defamatory, disparaging, obscene or menacing; or in breach of copyright, trademark, confidentiality, privacy or any other proprietary information or right; or is otherwise injurious to third parties; or objectionable or otherwise unlawful in any manner whatsoever; or which consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailing or any “spam, and.
- To cause annoyance, inconvenience or needless anxiety, but not limited to “indecent representation of women” within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986.
Your License
If you submit material, and unless we indicate otherwise, you grant Instant Mudra a non-exclusive, royalty-free, irrevocable, perpetual and fully sub-licensable right to use, reproduce, modify, adapt, publish, create derivative works from, distribute, and display such content throughout the world in any media for as long as you are permitted to grant the said license under the applicable law. You grant Instant Mudra the right to use the name that you submit in connection with such content, if Instant Mudra were to choose. You represent and warrant that you submit in connection with such content, if Instant Mudra were to choose. You represent and warrant that you own or otherwise control all of the rights to the content or material that you post or submit or that you otherwise provide on or through the Site; that the content is accurate; that the content is lawful; that use of the content does not violate this policy and will not cause injury to any person or entity; that you will indemnify Instant Mudra for all claims arising from content you provide. Instant Mudra has the right, but NOT the obligation to monitor and edit or remove any activity or content. Instant Mudra take NO responsibility and assumes NO liability for any content submitted by you or any third party.
Copyright Complaints
Instant Mudra respects the intellectual property of others and makes diligent efforts to take proper written permission, cite authors’ creative works and provide URL hyperlinks to source documents. Instant Mudra will take immediate action to correct citation errors and attribute works of others in accordance with accepted citation formats. If you believe that you work has been represented in a way that constitutes infringement of your intellectual property, please follow our Trademark and Copyright policy.
Services Description
Instant Mudra strives to present facts and contents as accurately as possible with proper citations. However, Instant Mudra does not warrant that descriptions of or other content of this Site is accurate, complete, reliable, current, or free of errors. Further, your access to the Site may also be occasionally suspended or restricted to allow for hardware and software upgrades, repairs and maintenance, or the introduction of new solutions and services, at any time without prior notice. Instant Mudra will attempt to limit the frequency and duration of any such suspension or restriction. Instant Mudra provides links to other sites over which it has not control. Instant Mudra is NOT responsible for the availability of such external sites or resources, does NOT endorse and is NOT responsible for any content, advertising, products or other material on or made available from such sites or resources.
Service Providers
We may employ third-party companies and individuals for:
- Facilitating our Service
- Providing the Service on our behalf
- Performing Service-related tasks
- Analyzing how our Service is used
These third parties have access to your Personal Information to perform assigned tasks but are obligated not to use or disclose it for other purposes.
Disclaimer Of Warranties And Limitation Of Liability
This site is provided by Instant Mudra on an “as is” and “as available” basis. Instant Mudra makes no representations or warranties of any kind express or implied, as to the operation, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk. Instant Mudra reserves the right to withdraw or delete any information from this site at any time in its discretion. To the full extent permissible by the applicable law, Instant Mudra disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Instant Mudra does not warrant that this site, its servers, or e-mail sent from Instant Mudra are free of viruses or other harmful components. Instant Mudra will not be liable for any damages of any kind arising from the use of this site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.
Applicable Law
By visiting this Site, you agree that the laws of India will govern these Terms of Use and any dispute of any sort that might arise between you and Instant Mudra.
Disputes
Any dispute relating in any way to your visit to this Site shall be submitted to the exclusive jurisdiction of the courts at Mumbai, India.
Site Policies, Modification And Severability
Please review our other policies on this Site. These policies also govern your visit to the Site. We reserve the right to make changes to our Site, Policies and these Terms of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.
Cookies
Cookies are files with a small amount of data, commonly used as unique identifiers. These are sent to your browser from the websites you visit and stored on your device.
This Service does not explicitly use “cookies.” However, third-party code and libraries used by the app may use “cookies” to collect information and improve their services. You can accept or refuse cookies, but refusing may impact some portions of this Service.
Data Security
We value your trust in providing your Personal Information and strive to use commercially acceptable means to protect it. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
Links to Other Sites
Our Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. We strongly advise reviewing the Privacy Policy of these websites, as we do not control their content, privacy policies, or practices.
Children’s Privacy
Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from children under 18. If we discover that a child under 18 has provided personal information, we delete it from our servers. If you are aware that your child has provided us with personal information, please contact us.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. You are encouraged to review this page periodically for changes. We will notify you of any changes by posting the new Privacy Policy here.
Effective date: 20-01-2024
Contact Us
For questions or suggestions about our Privacy Policy, contact us at support@instantmudra.co.in
Phone: +918062813164 , +919653139869
By using our services, you acknowledge that you have read and understood this User Data Policy and agree to its terms.