This Privacy Policy pertains to the "BRANTHORIX FUND" application (hereinafter referred to as the “App”). It serves to elucidate to the users (“you”) the services proffered by the App, disclose the information gathered by the App, and elaborate on how such information is utilized and shared.

The "BRANTHORIX FUND" App is a digital lending service platform whose registered office is situated at 17,2nd Floor, 7th Main Road, Hoysala Nagar indiranagar (bangalore), Bangalore North Bengaluru, Karnataka 560038 India. The Company (hereinafter denoted as “Company”, “We”, “Us” or “Our”), owns, manages, and operates this platform.

Important Disclaimer Regarding Lending Services: Please be expressly informed that the App acts strictly as a service platform and loan facilitator. We do not directly provide loans or lend money to users. We operate in a strategic partnership with our registered Non-Banking Financial Company (NBFC) partner, PKF FINANCE LIMITED, which has its registered office at 317 New Jawahar Nagar Jalandhar Punjab 144001. All final decisions regarding loan approval, sanctioning, and disbursement are at the sole discretion of PKF FINANCE LIMITED.

We attach great significance to "personal information," especially "sensitive personal information" provided by natural persons under legal contracts. We are determined to adopt reasonable steps to ensure the secrecy of such information and share it with our affiliated companies, our NBFC partner, and third parties in a proper manner in accordance with relevant laws and policies. We respect your privacy and are resolute in protecting it by strictly observing this privacy policy. This policy delineates:

By accessing this platform, you concur to be bound by the terms and conditions of this privacy policy. In the event that you do not agree, please refrain from using or accessing our platform. Merely by using the platform, you expressly and unconditionally assent to the terms and conditions of this privacy policy and authorize the use, storage, and processing of personal information/sensitive personal data submitted in accordance with the stipulations herein.

This policy applies only to the information collected through our platform(s) and the information sent via or associated with emails, text messages, and other electronic communications (collectively referred to as "user information"). When you submit user information on the platform, it should be considered that you have granted us the right to collect, store, process, handle, and use such user information in accordance with the provisions of this privacy policy (subject to revision at any time).

Please peruse this policy with meticulous attention to gain a comprehensive understanding of our procedures and policies concerning your information and the manner in which we handle it.

1. The Data We Gather about You

1.1 We collect and utilize personal data in relation to you for the purpose of providing you with, or in association with, the Services. Such personal data encompasses:

a. Identity and Profile-related Data: This incorporates your given name and surname, username or analogous identifiers, gender, title, photographs, background, feedback, and the like.

b. Contact Data: Comprising your email addresses, phone numbers, and residential address.

c. KYC Data: Encompassing identification documents issued by the government or other authorities, including details or information pertaining to your Aadhaar, PAN card.

d. Usage Data: Which pertains to information regarding how you engage with and utilize the Services.

e. App Permissions and Device Data:

Camera

In the BRANTHORIX FUND app, we may ask for your help to start the onboarding process by guiding you through completing the KYC (Know Your Customer) procedure. This may involve providing necessary documents to verify your personal information, taking photos to create profiles, or uploading required documents for loan applications. Any camera data captured will be securely uploaded to our app server, https://api.branthorix.com, and treated with the utmost confidentiality. Rest assured, your data will not be used for any other purposes. You can revoke or re-authorize camera permissions at your convenience. If you have any questions, feel free to contact our dedicated customer support team.

Device Information

Our application collects and monitors a range of phone-related information, including hardware specifications, operating system details, serial numbers, user profiles, and mobile network data. This allows us to uniquely identify each device and prevent unauthorized access or actions on your behalf.

Location

To ensure the smooth processing of your application and to confirm that our services are available in your area, we use location tracking. Rest assured, we only access your location when you are actively using the app, not when it is running in the background. Your privacy and security are of the utmost importance to us.

1.2 We are obligated to collect your personal data to grant you access to the Platform and Services. In specific circumstances, we are required to collect personal data as mandated by law or in accordance with the Terms. If you aspire to fully avail yourself of our services, you are required to furnish us with the data or personal information whenever we make such a request.

2.1 We employ a diverse range of methods to amass and manage your personal data. This includes:

a. Information You Provide Us: This refers to the information (encompassing identity, contact, KYC, financial, and device data) that you consent to supply to us when you utilize our Services or when you communicate with us. It encompasses the information you offer when you register to use the Services, apply for a loan facility via our NBFC partner, employ a Platform feature, or report an issue.

b. Information We Collect about You and Your Device: Each time you visit the Platform or make use of the Services, we will automatically collect personal data through the utilization of tools such as cookies.

c. Information We Receive from Other Sources: We will obtain personal data about you from various third parties and public sources, including our third-party partners, analytics providers, and other publicly accessible sources.

2.2 It is important to note that we do not possess any control over personal data that you might choose to make publicly available on application stores. We are not accountable for any misuse of such data by third parties.

2.3 The App may employ cookies and tracking technology depending on the features it offers.

3.1 We will only employ your personal data in strict accordance with applicable law. Most prevalently, we will use your personal data to facilitate the Services via our NBFC partner or when we are required to adhere to a legal obligation.

3.2 You concur and acknowledge that by using our Services and creating an account on the App, you authorize us, PKF FINANCE LIMITED, and our affiliates to get in touch with you via email, phone, or other means.

3.3 In general, we utilize your personal data for the following purposes:

a. To register you as a user of the App;

b. To facilitate your loan application and provide Services in partnership with PKF FINANCE LIMITED;

c. To manage our relationship with you;

d. To administer and safeguard our business and the App;

e. To deliver content and promotions to you;

f. To detect and shield us from errors, fraud, and other criminal activities;

g. To enforce our Terms and comply with legal requirements.

Data Storage and Localization: In strict compliance with the local regulations and guidelines issued by the Reserve Bank of India (RBI), we ensure that all user data collected by the App is stored securely on servers located exclusively within the territorial borders of India.

4.1 You agree and acknowledge that any and all information related to you may be collected, compiled, and shared by us in order to render the Services to you. This primarily involves sharing your data with our lending partner, PKF FINANCE LIMITED, as well as storage providers, data analytics providers, consultants, and auditors.

4.2 You agree and acknowledge that we may share data when we are compelled by law, any court, a government agency, or an authority to disclose such information.

Assist us in safeguarding your privacy and personal data by maintaining the confidentiality of the username and password you use for any of our Services. You should refrain from sharing your credentials with anyone. We will not be held liable for any breach that occurs on your part in this regard.

6.1 Our privacy policy is subject to alteration at any time without prior notice. Please check this page periodically for any modifications to reflect changes in the law or our practices.

6.2 Your continued use of the Services subsequent to the posting of changes to this Privacy Policy will be construed as your consent and acceptance of those changes.

We take all necessary steps to ensure that information about you is retained only for the period essential for the purpose for which it is processed, or for a longer duration if required by any contract, applicable law, or for statistical purposes. You may contact us in writing if you wish us to remove your data from our records, subject to legal retention requirements.

Our Services may contain links to third-party websites and services that are beyond our control. The Company and its affiliates disclaim any liability for any loss or damage that arises directly or indirectly from your use of any third-party links or content.

Please be aware that the Platform retains all rights (including copyrights, trademarks, patents, and any other intellectual property rights) in relation to all information provided on or via the Platform.

a) Your utilization of the Platform and your execution of the loan agreement with PKF FINANCE LIMITED shall be regarded as written consent for the collection, usage, and disclosure of your information in accordance with this Policy.

b) The termination of services between you and PKF FINANCE LIMITED or the Platform shall be considered as the withdrawal of consent for the purposes of this Policy.

c) You shall have the option to withdraw your consent by providing a written notice to the Company.

We do not collect personal information about individuals unless such individuals voluntarily and specifically provide it on the Platform. We will always ensure to implement reasonable security practices and procedures for the protection of your personal data. The personal information of individual users will not be sold to unaffiliated third parties without your prior approval.

This Privacy Policy does not create any contractual or other legal rights for or on behalf of any party, nor is it intended to do so.

Notwithstanding any provisions contained in this Privacy Policy, we shall not be held liable for any loss, damage, or misuse of your User Information if such loss is attributable to a Force Majeure event. A "Force Majeure event" shall refer to any event beyond our reasonable control, including, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes, riots, war, acts of government, computer hacking, technical snags, and unauthorized access to computer data.

Any dispute arising in connection with the Privacy Policy shall be resolved before the competent courts of Gurugram (Haryana, India) and in accordance with Indian law.

In the event of any complaints or questions regarding the terms and conditions of this Policy, or if you wish to exercise your rights related to privacy, you can get in touch with our Grievance Redressal Officer or our NBFC partner.

NBFC Partner: PKF FINANCE LIMITED

NBFC Address: 317 New Jawahar Nagar Jalandhar Punjab 144001

Contact Phone: +91 6232650869

Contact Email: contact@pkffinanceacash.com

We will strive to address your concerns within a reasonable timeframe.