Privacy Policy

Dygnify values the trust you place in it when you share Personal and/or Business Information with Dygnify including information relating to your business or enterprise. Dygnify has therefore developed a Privacy Policy (“Policy”) to help you understand the collection, use, disclosure, maintenance and transfer of such information by Dygnify Ventures Pvt Ltd, a private limited company incorporated under the Companies Act, 2013, with its registered office at 1803, Sahyadri, Malad E Mumbai, Maharashtra (hereinafter collectively referred to as “Dygnify”).

This Policy is prepared in accordance with the terms of the Information Technology Act, 2000 and all rules framed thereunder, more specifically, Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011, under the terms of which Dygnify is required to publish its Privacy Policy for access or usage of Dygnify’s products, services, software, platform and website/mobile app/chatbot/other interfaces by you. Please read the terms and conditions of this Policy carefully, before accessing or using this website/mobile app/chatbot/other interfaces. By accessing or using the Dygnify website/mobile app/chatbot/other interfaces including its products and services, you agree to the terms of this Policy. If you are accepting this Policy on behalf of another person or company or other legal entity, you represent and warrant that you have full authority to bind such person, company or legal entity to these terms.

Our Policy describes the types of Personal and/or Business Information we collect, why and how we use the information, with whom we share it, and the choices you can make about our use of the information. We also describe the measures we take to protect the security of the information and how you can contact us about our privacy practices.

This Policy describes Dygnify’s current data protection policies and practices and may be amended/updated from time to time. You can determine when this Policy was last revised by referring to the "Last Updated" date mentioned at the top of this page. Any changes to this Policy will become effective upon posting of the revised Policy on Dygnify’s website/mobile app/chatbot/other interfaces. We suggest that you regularly check this Privacy Policy to apprise yourself of any updates. Your continued use of Website/mobile app/chatbot/other interfaces or provision of data or information thereafter will imply your unconditional acceptance of such updates to this Policy

1. What information does Dygnify collect?

Personal Information:

The Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 defines “Personal Information” as any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person. Therefore, for the purpose of this Policy, the term “Personal Information” shall include, without limitation, any and all information that you disclose to Dygnify and which can be used to uniquely identify or contact you or reasonably can be linked to information that identifies you. For example, including but not limited to:

Your Name
Your postal address
Your telephone and fax number
Your e-mail address or other contact information
Government-issued identification documents
Country or origin information
Contact information of colleagues, business partners and other people provided by you
Usernames and passwords to access Dygnify’s website/mobile app/chatbot/other interfaces/other interfaces
Information regarding your transactions on the website/mobile app/chatbot/other interfaces
Content such as photos, articles, comments provided by you
Your financial information such as bank account information or other financial account details
Internet Protocol address
Any other items of "sensitive personal data or information" as such term is defined under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data of Information) Rules, 2011 enacted under the Information Technology Act, 2000
Identification code of your communication device which you use to access the website/mobile app/chatbot/other interfaces or otherwise deal with any Dygnify entity
Any other information that you provide during your registration process, if any, on the Dygnify’s website/mobile app/chatbot/other interfaces.

Business Information:

In the course of accessing or using the Dygnify website/mobile app/chatbot/other interfaces, you may disclose certain information about your business. Therefore, for the purpose of this Policy, the term “Business Information” shall include, without limitation, any and all information that you disclose to Dygnify and which can be used to uniquely identify your Business establishment or contact the authorized personnel of the Business establishment or reasonably can be linked to information that identifies your business establishment. For example, including but not limited to:

The name and address of your business entity
The Corporate Identification Number
Details of any shareholding, business processes, management and technology
Details of any mergers or acquisitions
Details of any loans of investments made by the business entity
Business contact information (such as job title, department and organization’s name, statutory details, filings, identity and business proofs)
Any such other information which may or may not be publicly accessible.

Such Personal and Business Information may be collected, either manually or by automated means, with regards to services we provide including during the course of your registering as a user on the Dygnify’s website/mobile app/chatbot/other interfaces, or availing certain services offered on the website/mobile app/chatbot/other interfaces.

Non-Personal Information:

Non-Personal Information means information that does not specifically identify an individual or business, but includes information from you, such as your browser type, the URL of the previous website/mobile app/chatbot/other interfaces you visited, your Internet Service Provider (ISP), operating system and your Internet Protocol (IP) address. Dygnify may also collect Non-Personal Information that you voluntarily provide, such as information included in response to a questionnaire or a survey conducted by Dygnify.

Public Records:

Public Records are records that are created and maintained by government agencies or law enforcement authorities, and are open for public inspection, although such access may be limited to certain permissible purposes. For example, Dygnify may have access to documents uploaded by your business on the Ministry of Corporate Affairs website, including incorporation documents, compliance forms and annual return filings.

2. How does Dygnify gather your information?

Information provided for Dygnify’s services:

Dygnify may collect information from you when you provide it to Dygnify or to Dygnify's business partner(s) to access its website/mobile app/chatbot/other interfaces or when you register for one of its products or services. For example, if you send an email or submit information via a form on the Dygnify website/mobile app/other interfaces/chatbots, Dygnify may collect any Personal and/or Business Information or any other information you provide.

Information from using cookies and similar technologies:

Dygnify may also collect information from you about your preferences in using its services by using cookies and/or other methods. Dygnify may use cookies to monitor website/mobile app/chatbot/other interfaces usage including, without limitation, to provide useful features to simplify your experience when you return to the Dygnify website/mobile app/chatbot/other interfaces, like remembering your login ID and certain Personal and/or Business Information and to deliver relevant content based on your preferences, usage patterns and location.

Information we collect automatically:

There is certain information that we collect automatically as the result of your use of the Platform, or through the use of web analytics services. This information includes but is not limited to:

The Internet Protocol (IP) address of the device from which you access the Platform (this can sometimes be used to derive the country or city from which you are accessing the Platform).
The specific actions that you take on the Platform, including the pages that you visit, connecting your Facebook or Google+, other social media account.
The time, frequency and duration of your visits to the Platform.
Your browser type and operating system.
The nature of the device from which you are accessing the Platform, for example, whether you are accessing the Platform from a personal computer or from a mobile device.
Your location data (e.g., GPS), calling history, contact list and messages when using Dygnify’s Application.

3. How does Dygnify use your information?

To capture, save, compile and analyse the user information required to perform credit and risk scoring models and establish identity and assess applications.
To design and improve the products and services, customer relationship management processes to operate the business.
To monitor metrics such as total number of views, visitors, traffic and demographic patterns.
To carry out its contractual obligations entered into between Dygnify and the User.
To conform to the legal requirements, compliance/reporting to administrative and judicial authorities, as may be required and to comply with regulatory guidelines.
To protect and defend the rights or property of the website/mobile app/chatbot/other interfaces’ owners of Dygnify, or the users of Dygnify.
To communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications.
To share the information with multiple financial institutions and other lenders for customization of offers and provision of services;
To undertake research, troubleshooting, fraud and risk management and prevention of other criminal activity.
To post and review your comments on our blog.
We may also collect and use this information in other ways permitted by law. We will take utmost care to ensure that your personal information is not shared with the public and that your transactions on the Website/mobile app/chatbot/other interfaces are confidential. If we use any third parties for any of these transactions, we will also make sure that confidentiality is maintained. We may also provide personal information about our customers to other organizations. We will take reasonable care that any personal information we disclose to them is only used for the specific task we ask them to perform.

4. Does Dygnify share your Information?

Except as described in this Policy, Dygnify will not share your Personal and/or Business Information with other entities or individuals outside of Dygnify, unless it has received your express consent.

Disclosure to Government authorities or as required by law:

Dygnify may share your Personal and/or Business Information with Government authorities in response to subpoenas, court orders, or other legal process; to establish or exercise legal rights; to defend against legal claims; or as otherwise required by law. Dygnify warrants that such information will be disclosed only in accordance with applicable laws and regulations.

Disclosure to third-party vendors/contractors:

Dygnify may engage third party vendors and/or contractors to perform certain support services for Dygnify, including, without limitation, software maintenance services, advertising services, web hosting services, cloud telephony services, cloud-based support services and such other related services which are required by Dygnify to provide its services efficiently. Dygnify may also share information with lender partners, credit bureaus, credit rating agencies and credit reference agencies, and, in the event of default, to debt collection agencies. These third parties may have limited access to your Personal and/or Business Information. If they do, this limited access is provided so that they may perform these tasks for Dygnify and they are not authorized by Dygnify to otherwise use or disclose your Personal and/or Business Information, except to the extent required by law.

Disclosure to acquirers:

Dygnify may disclose and/or transfer your Personal and/or Business Information to an acquirer, assignee or other successor entity in connection with a sale, merger, or reorganization of all or substantially all of the equity, business or assets of Dygnify.

5. How does Dygnify secure my information?

Dygnify considers the confidentiality and security of your information to be of utmost importance. It therefore uses industry standards, and physical, technical and administrative security measures to keep your Personal and/or Business Information confidential and secure and Dygnify will not share your Personal and/or Business Information with third parties, except as otherwise provided in this Policy. Please be advised, however, that while we strive to protect your Personal and/or Business Information and privacy, we cannot guarantee or warranty its absolute security when your information is transmitted over the internet into the Dygnify website/mobile app/chatbot/other interfaces. We use various security measures including, but not limited to:

Passwords:

Access to your online account on the Dygnify website/mobile app/chatbot/other interfaces is password protected and this helps to secure your account information. You are solely responsible for maintaining the confidentiality of that password. If you provide someone else with access to your password, they will have the ability to view information about your account and make changes through the Dygnify website/mobile app/chatbot/other interfaces.

Please note Dygnify’s website/mobile app/chatbot/other interfaces are not intended for children under the age of eighteen years without the permission of a parent or guardian. Please contact us to take appropriate action if you believe that a child has submitted personally identifiable information on or through our website/mobile app/chatbot/other interfaces without the consent and supervision of a parent or guardian.

6. What are your choices?

You have a choice about how Dygnify uses your Personal and/or Business Information to communicate with you, send you marketing information, and provide you with customized and relevant content.

Communication Preferences:

During registration and when availing services, you can set your email/communication preferences with respect to receiving certain communications from Dygnify. In addition, all of Dygnify’s newsletters and other general email/other channels marketing communications also include an "unsubscribe" opt-out link that you may use to ask that Dygnify discontinues such communication to you. However, you will not be able to opt-out of receiving administrative messages, customer service responses or other transactional communications.

Withdraw Consent:

If you withdraw your consent for the use or disclosure of your Personal and/or Business Information for the purposes set out in this Policy, you may not have access to all of Dygnify’s products and services and Dygnify may not be able to provide services to you efficiently.

User Discretion and Opt Out:

You agree and acknowledge that you are providing your information out of your free will. Subject to certain exceptions prescribed by law and provided Dygnify can authenticate your identity, you can contact Dygnify at hello@dygnify.com or send mail to Dygnify Ventures Pvt Ltd, 1803, Sahyadri, Malad, Mumbai – 400 097 to:

Access, verify, correct, update, amend, restrict, object to, or delete any Personal and/or Business Information Dygnify has about you.
Review the information Dygnify retains, how it has been used, to whom Dygnify has disclosed such information to.
Opt to transfer your personal data.
Change preferences regarding how your Personal and/or Business Information is disclosed.
Notify Dygnify if you do not want your data to be processed anymore.
Notify Dygnify if you do not wish to receive further communication from Dygnify.

Dygnify will respond to such requests in reasonable time, which will be within the time limits established by the applicable law.

If you opt out, you should not visit any Dygnify website/mobile app/chatbot/other interfaces, use any services provided by Dygnify entities, or contact any of Dygnify entities. Dygnify may deny you access to its services offered on the website/mobile app/chatbot/other interfaces

7. Any Questions or Complaints?

If you have any questions about Dygnify’s Privacy Policy, you may contact Dygnify:

Email at hello@dygnify.com; or

Write to Dygnify at: DYGNIFY VENTURES PVT LTD at 1803, Sahyadri, Malad, Mumbai – 400097.

In accordance with Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011, if you have any grievances or concerns about Dygnify’s Privacy Policy or if you would like to make a complaint about a possible breach of privacy in relation to Dygnify’s website/mobile app/chatbot/other interfaces, you may contact the Grievance Officer at hello@dygnify.com.