PRIVACY POLICY

This Privacy Policy governs how Eight Finance Private Limited (“Eight Finance”) collects, uses, and discloses personal information from and about users of Eight Finance’s websites and apps that link to this Notice (collectively, the “Services”).

https://kodo.in and its associated progressive web app “Kodo” are owned and operated by Eight Finance Pvt Ltd, hereinafter referred to as 'Kodo' or 'https://kodo.in' interchangeably.

Eight Finance is committed to maintaining the confidentiality, integrity and security of all the personal information of our users.

By visiting Kodo, you expressly give us consent to use and disclose your personal information in accordance with this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use or access Kodo.

General

Kodo collects and uses certain personal information in order to operate and provide you with access to the Services. This includes information that you provide to us and information that we collect automatically when you visit or interact with the Services.

Information

(i) includes, all information that can be linked to a specific company or business, including but not limited to, Company/LLP PAN, Directors PAN, name and address of directors, Company address, Email Id, Phone no, bank a/c details including details relating to debit/credit instruments, any details that may have been voluntarily provided by the customer, whether to Ministry of Corporate Affairs (MCA) or any other agency including but not limited to any other Credit Information Companies.

(ii) includes, all information that can be linked to a specific individual or to identity of any individual, including but not limited to, name, address, mailing address, telephone number, email ID, bank account details including details linked to credit/debit payment instruments, information about your mobile phone, any details that may have been voluntarily provided by the customer or being specifically being permitted to be procured from third parties including Unique Identification Authority of India (UIDAI), Experian credit information company of india pvt ltd, Transunion CIBIL Ltd or any other agency including any other Credit Information Companies.

(iii) includes, all information obtained, with consent, from your mobile device like device location, device information (including storage, model, installed apps, wifi, mobile network) transactional and promotional SMS, communication information including contacts and call logs.

Information That You Provide to Us

We collect personal information that you voluntarily provide to us when you use the Services. This information includes, without limitation: your email addresses, contact numbers, and other contact details, the identity of your current employer and any other information; feedback on our websites or mobile apps; online preferences, such as alerts selections; and business information, such as your company name, your role, and industry.

Information That We Collect About Your Use of the Services

We collect information about your use of the Services and about the device you use to access the Services, including: the pages you request and visit; the posts you submit; information on your interaction with other users; information obtained in the course of maintaining or supporting the Services; information about your internet use, such as your IP address, the URLs of sites from which you arrive or leave the Services, your type of browser, your operating system, your internet service provider; and, if you access the Services via your mobile device, we may also collect information about your mobile provider and type of mobile device.

We (and our service providers) use different technologies to collect this information, including cookies and web beacons. Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular, and count visits. Web beacons are electronic images that may be used in our Services or emails and help deliver cookies, count visits, and understand usage and campaign effectiveness.

Advertising and Analytics Services Provided by Others

We may allow others to provide analytics services and serve advertisements on our behalf across the web and in mobile applications. These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of the Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in apps, links clicked, and conversion information. This information may be used by us and others to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity. Your device may also include a feature (“Limit Ad Tracking” on iOS or “Opt Out of Interest-Based Ads” or “Opt Out of Ads Personalization” on Android) that allows you to opt out of having certain information collected through apps used for behavioral advertising purposes.

Use Of Information

We use the information we collect to provide, maintain, and improve the Services. We also use the information we collect to:

Disclosure

We may share your personal information as follows or as otherwise described in this Privacy Policy:

We may also share aggregated or de-identified information that cannot reasonably be used to identify you.

Cookies

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Kodo uses cookie and tracking technology depending on the features offered. No personal information/ data/details will be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Services.

Links to Other Websites

The Services may contain links to other websites. Please note that Kodo is not responsible for the privacy or information security practices of other websites. You should carefully review the applicable privacy and information security policies and notices for any other websites you click through to via the Services. This Policy applies solely to your personal information collected by the Services.

Security

We seek to use reasonable physical, electronic, and procedural measures to safeguard personal information within our organization against loss, theft, and unauthorized use, disclosure, or modification. Unfortunately, however, no data transmission over the internet can be guaranteed to be 100% secure. As a result, while we strive to protect your information, we cannot guarantee its security.

Password/ Passcode Policy

Do help us protect your privacy by maintaining the secrecy of the username and password/ passcode you use for any of our Services. You should not share your user name/password or other security information relating to your account with anyone. If we receive instructions using your user name and password, we will consider that you have authorized the instructions.

 

Changes To This Privacy Policy

Kodo reserves the right to change or update this Privacy Policy or any other of our policies/practices at any time without giving any prior notification; hence, you are requested to review the Privacy Policy periodically, to make sure that you are aware of any such changes. This Privacy Policy shall apply uniformly to Kodo website and mobile web applications or any other media used by Kodo for its Services. Any changes or updates will be effective immediately upon posting the same on our web site at www.kodo.in

 

Data Retention

We take reasonable steps to ensure that information about you is available only for so long as is necessary for the purpose for which it is processed, or longer if required under any contract, by applicable law, or for statistical purposes, subject to appropriate safeguards.

 

Third-Party Links And Content On Our Services

KODO Platforms are not intended for users under the age of 18 years. We do not knowingly collect any personal information from persons under the age of 18 years or market to or solicit information from any one under the age of 18 years.

Our Services may link to third-party websites and services that are outside our control. Further, Eight Finance, its group companies, its affiliates, and their directors and employees (“Eight Group”) accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from your use of any mobile application or any site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with any mobile or online application, its Contents (material, information, data, money market movements, news items, etc.) or associated services, or due to unavailability of any application or any part thereof or any Contents or associated services even if Eight Group are advised of the possibility of such damages, losses or expenses.

 

Intellectual Property Rights

Please note that Kodo retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site (including all texts, graphics and logos).

 

Consent

You consent to the collection and use of the information you disclose to Kodo in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this Privacy Policy.

 

Disclaimer

Kindly note that Kodo does not collect information about individuals except when such individuals specifically provide such information on a voluntary basis. Upon such voluntary disclosure of information, we may further verify, collate or receive information about you from publicly and commercially available sources, which we may combine with other information we receive from you. We may also receive information about you from third-party social networking services if you are already connected with those services. Kodo shall, at all times, ensure to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection, confidentiality and safeguarding of your personal data and information, including Personally Identifiable information, as the same is of vital importance to Kodo . At Kodo, we are strongly committed to protecting the information that you submit to us. Personal information of individual users will not be sold, shared or otherwise transferred to unaffiliated third parties without your approval at the time of collection for any purpose other than providing the Services. However, please note that although we take reasonable steps to protect your information, no website, internet transmission, computer system or wireless connection is completely secure.

By accepting this Privacy Policy, you accept that such transmission of your personal information is done at your own risk.

Your information/inputs/queries as a registered user are required to serve you better and the same shall not be shared with anyone without your consent. However, we may disclose your personal data to agents or Associates of Kodo and/or its group companies/affiliates to enable processing of transactions or communications with you “on need” basis. Your aforesaid information may be further used for assessment and analysis of our market, customers, products, and services and to understand the way people use our Services so that we can improve them and develop new products and services. However, it shall be on the basis that the agents are required to keep the information confidential and will not use the information for any other purpose other than to carry out the services they are performing for Kodo and/or its group companies/affiliates.

 

No Contractual Obligation

Please note that this Privacy Policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.