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We, Checklyst Solutions Pvt. Ltd (hereinafter referred to as the “Company”), where such expression shall, unless repugnant to the context thereof, be deemed to include our respective legal heirs, representatives, administrators, permitted successors and assigns are the creators of this Privacy Policy, which ensures our steady commitment to Your privacy with regard to the protection of your invaluable information. This privacy policy contains information about a Website called ‘https://meraemi.com’ (hereinafter referred to as the “Website”). In order to provide you with uninterrupted use of our services, we may collect and, in some circumstances, disclose information about you. To ensure better protection of your privacy, we provide this notice explaining our information collection and disclosure policies, and the choices you make about the way your information is collected and used.
If you do not agree with the terms and conditions of our Privacy Policy, including in relation to the manner of collection or use of your information, please do not use or access the Site. If you have any questions or concerns regarding this Privacy Policy, you should contact our Customer Support Desk at service@meraemi.com or visit https://meraemi.com/#contact to reach us directly.
This Privacy Policy is applicable only to Services (defined hereinbelow) in the geographical territory of India and is open to Users residing within the geographical territory of India. ANY CAPITALIZED WORDS USED HENCEFORTH SHALL HAVE THE MEANING ACCORDED TO THEM UNDER THIS AGREEMENT. FURTHER, ALL HEADING USED HEREIN ARE ONLY FOR THE PURPOSE OF ARRANGING THE VARIOUS PROVISIONS OF THE AGREEMENT IN ANY MANNER. NEITHER THE USER NOR THE CREATERS OF THIS PRIVACY POLICY MAY USE THE HEADING TO INTERPRET THE PROVISIONS CONTAINED WITHIN IT IN ANY MANNER.
a. The term ‘You’ & ‘User’, shall mean any legal person or entity accessing or using the services provided on this Website, who is competent to enter into binding contracts, as per the provisions of the Indian Contract Act, 1872.
b. The terms ‘we’, ‘us’, ‘our’ shall mean the Website and/or the Company, as the context so requires.
c. The term ‘Services’ shall mean the business of running a marketplace platform for personal financial products like personal loans, business loans, home loans, mortgages, credit cards, etc.
d. The terms ‘Party’ and ‘Parties’ shall respectively be used to refer to the User and the Company individually and collectively, as the context so requires.
e. “Personal Information” shall mean and refer to any personally identifiable information that we may collect from you. For removal of any doubts, please refer to Clause 2.
f. “Third Parties” refer to any Website, company or individual apart from the User and the creator of this Website.
We are committed to respecting your online privacy. We further recognize your need for appropriate protection and management of any Personal Information You share with us. Since we provide certain services as mentioned above, we may collect the following information which are appropriately required to provide such services:
From Users, information including name, contact number, email address, postal address, etc. is collected. We collect, and store personal information provided by you from time to time on the Website. We only collect and use such information from you that we consider necessary for achieving a seamless, efficient and safe experience.
We collect loan transaction information from Users like personal details, work details, loan requirements and shall ensure that personal details are encrypted using AES-256-bit encryption or equivalent protocol. Further, We collect details from Users regarding existing and ongoing loans that they have taken in order to operate the Portfolio Tracker, as well as the Transfer Benefit Calculator.
Where any service requested by you involves a third party, such information as is reasonably necessary by the Company to carry out your service request may be shared with such third party.
We also do use your contact information to send you offers based on your interests and prior activity. The Company may also use contact information internally to direct its efforts for service improvement. We collect and store your search details on the Website, including your search history, the usage of the Website and the features and time you have used the Website for. We collect any communications between you and other Users/third-parties on the Website.
Transacting over the internet has inherent risks which can only be avoided by you following security practices yourself, such as not revealing account/login related information to any other person and informing our customer care team about any suspicious activity or where your account has/may have been compromised. Users are responsible for maintaining the security and confidentiality of their account details and passwords. Please note that We will never ask you for your password in an unsolicited phone call or in an unsolicited e-mail. Further, Users are advised to sign off from their systems after availing of the Services to avoid accidental and unauthorised access to personal information from their accounts by any third-party
The Website shall collect information, as mentioned hereinabove, about the Users for the purpose of providing customised Services. The Website shall intimate the User as to the purpose of collection of information, if the same changes at any time, and the User shall be permitted to withdraw consent to provide such information if the User does not agree with the purpose for which the information is being collected by the Website.
The Website shall contain the User’s records. The User, upon consent, shall be provided with access to the records at any time, and the User may be allowed to withdraw their consent for the retaining of their records by the Website.
The information provided by you at the time of registration and thereafter shall be used to contact you when necessary. For more details about the nature of such communications, please refer to our Terms of Service. Further, your personal data may be collected and stored by us for internal record.
We use your tracking information such as IP addresses, and or Device ID to help identify you and to gather broad demographic information. In case we are acquired by or merged with another company, we shall be legally obliged to share information disclosed by you and information about you to the company we are acquired by or merged with. In the event of a merger or acquisition, we shall notify you by email to review our revised privacy policy, as and when Your Personal Information is shared with or becomes subject to a different privacy policy.
We use data collection devices such as “cookies” on certain pages of our Websites. “Cookies” are small files sited on your hard drive that assist us in providing customized services. We also offer certain features that are only available through the use of a “cookie”. Cookies can also help us provide information, which is targeted to your interests. Cookies may be used to identify logged in or registered users. Our Website uses session cookies to ensure that you have a good experience. These cookies contain a unique number, your 'session ID', which allows our server to recognise your computer and 'remember' what you've done on the site. The benefits of this are:
a. You only need to log in once if you're navigating secure areas of the site
b. Our server can distinguish between your computer and other users, so you can see the information that you have requested.
You can choose to accept or decline cookies by modifying your browser settings if you prefer. This may prevent you from taking full advantage of the Website. We also use various third-party cookies for usage, behavioural, analytics and preferences data. The following are the different types of Cookies used on the Website:
a. Authentication cookies: To identify the user and share the content that he or she requested for.
b. Functionality cookies: For customized user experience and resuming past course progress.
c. Tracking, optimization and targeting cookies: To capture usage metric on device, operating system, browser etc. To capture behavioral metrics for better content delivery. To cater and suggest most suited products and services.
The Website may include advertisements, hyperlinks to other websites, applications, content or resources. We have no control over any websites or resources, which are provided by companies or persons other than Us. You acknowledge and agree that We are not responsible for the availability of any such external sites or resources, and do not endorse any advertising, services/products or other materials on or available from such websites or resources. You acknowledge and agree that We are not liable for any loss or damage which may be incurred by you as a result of the availability of those external sites or resources, or as a result of any reliance placed by you on the completeness, accuracy or existence of any advertising, products or other materials on, or available from, such websites or resources. These external websites and resource providers may have their own privacy policies governing the collection, storage, retention and disclosure of Your Personal Information that You may be subject to. We recommend that You enter the external Website and review their privacy policy. If you require a list of third-party links on our Website, please write to us at service@meraemi.com and we shall endeavor to provide you with the same.
Your information is regarded as confidential and therefore shall not be divulged to any third party, unless if legally required to do so to the appropriate authorities, or if necessary, to ensure Users may fully avail of the services of the Website.
We shall not sell, share, or rent your personal information to any marketing agencies or any other such companies that indulge in unsolicited communications. Any communication by Us to You shall be undertaken in accordance with Our Terms of Service and Privacy Policy.
We treat data as an asset that must be protected against loss and unauthorized access. We employ many different security techniques to protect such data from unauthorized access by members inside and outside the Company. We follow generally accepted industry standards to protect the Personal Information submitted to us and information that we have accessed. However, “perfect security” does not exist on the Internet. You therefore agree that any security breaches beyond the control of our standard security procedures are at your sole risk and discretion.
If you're using the Website to upload sensitive data, you should properly secure your computer. To help do this, you can use anti-spyware and virus protection software. You can also restrict access to your computer (for example, by using a strong password for your computer login and a network firewall).
The Company shall not be held liable in any way for events beyond our control or in any way for accidental or unauthorised access of your information. No data transmission over the Internet or any wireless network can be guaranteed to be absolutely secure.
Due to the existing regulatory environment, we cannot ensure that all of your Personal Information shall never be disclosed in ways other than those described in this Privacy Policy. Although we use industry standard practices to protect your privacy, we do not promise, and you should not expect, that your personally identifiable information or private communications would always remain private.
External Service Providers: There may be a number of services offered by external service providers that help you use our Website. If You choose to use these optional services, and in the course of doing so, disclose information to the external service providers, and/ or grant them permission to collect information about You, then their use of Your information is governed by their privacy policy.
Other Corporate Entities: We may share much of our data, including Your Personal Information, with our parent and/ or subsidiaries that are committed to serving your needs through use of Our Website and related services, throughout the world. Such data shall be shared for the sole purpose of enhancing your experience of using the Website. To the extent that these entities have access to your information, they shall treat it at least as protectively as they treat information they obtain from their other members. It is possible that we and/or our parent and/or subsidiaries, or any combination of such, could merge with or be acquired by another business entity. Should such a combination occur, you should expect that we would share some or all of your information in order to continue to provide the service. You shall receive notice of such event (to the extent it occurs).
Law and Order: Law and Order: We cooperate with law enforcement inquiries, as well as other third parties to enforce laws, such as: intellectual property rights, fraud and other rights. We can, and You so authorise Us, disclose Your Personal Information to law enforcement and other government officials as We, in Our sole discretion, believe necessary or appropriate, in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose Us/ Us or You to any legal liability.
Any information that you make publicly available on the site may be potentially viewed by any party, and by posting such material it is deemed that you consent to share such information with such parties
Each paragraph of this privacy policy shall be and remain separate from and independent of and severable from all and any other paragraphs herein except where otherwise expressly indicated or indicated by the context of the agreement. The decision or declaration that one or more of the paragraphs are null and void shall have no effect on the remaining paragraphs of this privacy policy.
Our Privacy Policy may change from time to time.
It's important to note that any/all information we use about you helps us in providing you with products, services and experiences that could benefit you. You, as the user however have the ability to control how your non-personal information is collected and used online.You also have the ability to choose what personal information, including what sensitive personal information (i.e., your financial information) you provide to us. On the other hand, if you so choose not to provide all of the information and data that is requested of you, we may not be able to provide you with the Services that you have subscribed to
You may, at any point in time while availing of our Services or otherwise, withdraw the consent given earlier to us to collect and use your sensitive personal data or information in home page under user profile menu or by clicking Delete Account here. However, in the case of you withdrawing such consent, we shall have the option to stop providing you the services for which the information was sought. You will not be eligible for refund of any fees paid for any service to any of Meraemi.com platform lenders and/or affiliates in such event and you agree that the Meraemi.com/ its affiliates, agents and platform partners shall not be liable to you for the same in any manner whatsoever. We believe you should be able to choose what kinds of information you receive via email/SMS. If you do not want to receive marketing materials by email/SMS, just indicate your preference on the contact information for your account or the 'opt-out' or unsubscribe link provided in our marketing emails and you can also write to us at service@meraemi.com. Please note that it may take about two to four weeks to process your request. Please keep in mind that we will continue to notify you by email /SMS/via phone calls regarding your services with us, even after you have opted out. However, we reserve the right to close your user account if the you choose to opt out of receiving certain crucial notices that are required to perform the services through our platform Meraemi.com.
You can review the information that you have provided to us by logging into your account at the Website and correct or amend any personal information or sensitive personal data or information to ensure that the information or data you provided us is accurate and/or not deficient by writing to us at service@meraemi.com . We are not responsible for the authenticity of any personal information or sensitive personal data or information supplied to it by you or any third party
If you have any questions or concerns regarding this privacy policy, you should contact us by sending an e-mail to service@meraemi.com from your registered email address.