The Privacy Policy governs the use of this website www.lionlender.in (Website/Site) of LIONLENDER FINANCE PRIVATE LIMITED values the privacy of the user (User).   LIONLENDER FINANCE PRIVATE LIMITED a company registered under the Companies Act 2013 having its registered office at C/O Mrs. Meena Kumari Khungar, Sai Residency Appt, Lakadganj Opp. Police Station, Nagpur, 440008 having CIN U65190MH2021PTC368422 operates its portal in India and provides its services through the web- portal https://lionlender.in/ referred to herein as or “we” or “us” “our”. While you may be able to browse certain sections of the Platform without registering with us. Your personal information will primarily be stored and processed. By visiting this Platform, providing your information or availing any service offered on the Platform, you expressly agree to be bound by the terms and conditions of this Privacy Policy, and agree to be governed by the laws of India including but not limited to the laws applicable to Information Technology Act, 2000 and the rules framed thereunder, as may be amended from time to time ("IT Laws") and the regulations, directions, circulars, guidelines or other mandates issued by the Reserve Bank of India ("RBI") and as applicable to the Services (collectively, "Applicable Laws"), data protection and privacy. If you do not agree please do not use or access our Platform.

This Privacy Policy is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder and the amended provisions pertaining to electronic documents / records in various statutes as amended by the Information Technology Act, 2000. This Privacy Policy does not require any physical, electronic or digital signature.

This privacy policy forms part of our website's terms and conditions of Service, by accepting the Privacy Policy on the registration page, you consent to provide sensitive personal data or personal information and are aware of the purpose of sharing such information.

Your Information will primarily be stored in electronic form however certain data can also be stored in physical form. We may enter into agreements with third parties to store or process your Information or data. These third parties  may have their own security standards to safeguard your Information or data and We will, on reasonable basis, require such third parties to adopt reasonable security standards to safeguard your Information.

All terms and conditions regarding usage of the Portal and availing Our Services as set out in the Terms and Conditions are incorporated in this Privacy Policy by reference. This policy amongst other things describes:

DEFINITION

For the purposes of this Privacy Policy:

1.      Company: (referred to as either "We", "Us", "Our" or “company” in this Agreement) refers to LIONLENDER FINANCE PRIVATE LIMITED.

2.      NBFC: is an organization that provides banking and financial services without having a banking license. they provide traditional banking services like loans and deposits, but are not allowed to accept demand deposits. NBFCs are regulated by the reserve bank of India (RBI).

3.      Cookies: A cookie is a small text file that uniquely identifies your browser when you visit a website. Cookies allow us to retain your preferences and account settings, among other things.

4.      Device: means any device that can download software program or application or access the Services such as a mobile, tablet, computer, a cellphone or a digital tablet, etc.

5.      Usage Data: refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

6.      Country: refers to: India

7.      Website: refers to https://lionlender.in/

8.      Bank Account- means a financial account maintained with a Banking LLP or a financial institution and shall include a wallet maintained with an entity authorized by Reserve Bank of India.

9.      Customer – a person who buys goods or services from a business.

10.  Interest – As mentioned in Interest Rate Policy

11.  Third-party Social Media Service: refers to any website or any social network website through which a user can be led to the official website of the company.

12.  KYC – Know Your Customer is the mandatory process of identifying and verifying the client's identity when opening an account and periodically over time.

13.    Minor - not having reached majority age (18 years)

14.  Applicable Laws -means all applicable statutes, enactments, laws, ordinances, treaties, conventions, protocols, bye-laws, rules, regulations, guidelines, notifications, notices, and/ or judgments, decrees, injunctions, writs or orders, instructions, decisions of any court or and awards or other requirements or official directives of any governmental authority, in any jurisdiction, as may be applicable to the relevant person.

INFORMATION COLLECTED:

We collect certain information from the user related to identity, services when you use our platform, otherwise interact with us during the course of our relationship and related information provided by you. Some of the information that we may collect includes but is not limited to Information provided to us while using our Platform such as

Name:

Date of birth:

Address:

Mobile number /telephone:

Email ID:

Occupation and any such information:

Proof of identity:

We may also request you to share your PAN, Government issued ID cards/number and Know- You-Customer (KYC) details to check your eligibility for certain services or events including but not limited to credit and payment products.

Some of the sensitive personal information such as your bank account or credit or debit card or other payment instrument information or biometric information such as your facial features or physiological information (in order to enable use of certain features available on the Platform to assist you with your experience) or password etc.

(iii)      from any other source of information including from other third-party sources.

You expressly consent for us to collect the Information in accordance with and for the purposes set-out in this Privacy Policy. If you choose not to provide us any of your Information, you may not be able to access the Portal or take benefit of some or all of Our Services.

Lion lender may collect the following Information and you hereby explicitly consent to the following:

Account Information:

When you set up your account on the Portal, we collect your Information, such as your first and last name, address details, photo, email addresses, and telephone numbers.

Identity:

For certain Services, we may collect identity and Know Your Customer ("KYC") related Information to verify your identity and comply with the customer identification procedures and customer due diligence requirements prescribed under Applicable Laws.

For e-KYC authentication with the Unique Identification Authority of India (UIDAI), such as Permanent Account Number (PAN), photo, and Aadhaar-related information (including Aadhaar number, demographic details, or Virtual ID) and One Time Password / Pin (OTP). Please be aware that Aadhaar information submission and e-KYC authentication are not required. Instead, you may provide other identity documents to prove your identity in accordance with RBI's KYC Directions, 2016 in lieu of Aadhaar information.

Location:

When you add your pin code on the Portal or allow access from your mobile device, we get your location data. We only receive this information when someone uses our portal. If you disable, withdraw, or do not grant this access, you might only have restricted access to the Portal and/or Services available through the Portal.

Storage:

In order for you to use the Services and for your documents to be safely downloaded and saved on your phone, we might need your permission to upload any documents you need. This contributes to the seamless and easy-to-use Portal user experience.

HOW DO WE COLLECT YOUR INFORMATION?

Cookies:   The device you are using to access the Portal will receive one or more cookies when you visit it. The cookies are either used for user preference storage, search result optimization, and user trend tracking, or they are used to enhance the Portal's quality. Using your device's browser settings, you can choose to disable cookies. Nevertheless, certain sections of the Portal might not work properly if you disable cookies on your browser.

Web Beacons: Small graphic images or other web programming code called web beacons (also known as "1x1 GIFs" or "clear GIFs") may be included in our web and mobile pages and messages. Web beacons may be invisible to you, but any electronic image or other web programming code inserted into a web or mobile page or e-mail can act as a web beacon. Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count users of the Services, to monitor how users navigate the Services, to count how many e-mails that were sent were actually opened or to count how many particular articles or links were actually viewed. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on web pages and are about the size of the period at the end of this sentence. We do not tie web beacons to Personal Information. We use a third-party tracking service that uses cookies to track non-personally identifiable information about visitors to our site

Targeted Advertising: Like most advertisers, we place advertisements where we think they will be most relevant to customers. We believe that online behavioral advertising helps to provide you with more relevant advertising based upon on the websites you visit. We place advertisements by developing and using our own customer segmentation methodologies that may combine online and offline information about our current and prospective customers.    

In addition, we may use marketing segments provided by online publishers and network advertising companies. We contract with third-party advertising networks, publishers and other entities to advertise our products and services on websites not affiliated with us. Network advertising companies that provide these services have their own privacy policies and are not subject to our Online Privacy Statement. Many of these companies provide ways to avoid targeted advertising provided by, or through them. Some of these ads are online behavioral advertising - which serve advertisements that are more likely to be of interest to you using non- personal behavioral information. Such ads may contain cookies that allow monitoring of websites (including our own websites that part of our own Services) and your response to our advertisements. Cookies placed by these companies do not collect Personal Information. We limit companies that place our ads from using information for any purpose other than to assist us in our advertising efforts.

SHARING OF YOUR INFORMATION:

In order to facilitate the provision of Services or as may be required under Applicable Laws, you hereby expressly consent to the following uses of your information:

1.   With financial institutions and Financial Partners (including but not limited to banks and Non-Banking Financial Companies), credit information companies, RBI or other regulatory agencies;

2.   In order to provide you with the Services, we may work with service providers (including lending service providers), business partners, co-lending partners/financial partners. We may also send you emails, messages, or phone calls to inform you about the Services, or about any goods, offers, or services that might be of interest to you. Finally, we may push notifications to your electronic device.

3.  In order to ensure compliance with orders or government directives, with law enforcement agencies, courts, regulators, and/or other governmental organizations that have jurisdiction;

4.   To enforce or apply the terms and conditions, this privacy policy, and other agreements entered into with you; or

In any other situation where we have your consent for any other purpose disclosed by uswhenyouprovidetheInformation

THIRD PARTY POLICIES  

Please be advised that our privacy policy will no longer be applicable to any information you provide to third parties or are directed to through third-party links while using the Portal, and that We are not liable for the privacy policies of these third parties.

Generally speaking, the third-party service providers that We use will only gather, utilize, and share your information to the degree required to enable them to carry out the tasks or services that they undertake on Our behalf. In these situations, we securely share the Information and make commercially reasonable efforts to guarantee that all recipients sign covenants pertaining to confidentiality, fidelity, and secrecy and that they abide by those obligations.

Other than when it comes to the data, we have to provide data to third-party service providers (like banks, financial institutions, co-lending partners, or credit reporting agencies) however they have their own privacy policies. We advise you to review their privacy policies in order to comprehend how they will handle your information.

Therefore, if you choose to move forward with a transaction involving a third-party service provider’s service, your information might be governed by the laws of the jurisdiction(s) in which that service provider is based or has its facilities located.

You will no longer be bound by this Privacy Policy or the Portal's Terms and Conditions once you exit the Portal or are redirected to a third-party website or application. In such cases, the privacy policy of the other website will take effect. For whatever actions or inactions, the third- party service provider takes, we won't be held responsible.

SECURITY MEASURES

By providing information to Lion Lender, you do so at your own risk as it is not guaranteed or warranted to be secure. When Lion Lender receives your transmission, it will try its best to ensure that its systems are secure. To prevent unauthorized access, disclosure, alteration, or destruction of your information, Lion Lender employs industry-standard security practices and procedures like firewalls and secure server software. To safeguard information, Lion Lender has established policies and procedures in place. Policies oversee and manage all aspects of operational and technical security. We follow all recommended standards in the industry for information and cyber security. Through the implementation of these Security Practices and Policies, Lion Lenders is considered to have adhered to appropriate security protocols and guidelines. This, however, does not ensure that information of that kind won't be accessed, revealed, changed, or destroyed due to a breach of firewalls and secure server software.

If the provided information is misused, Lion Lenders will not be responsible for any special, direct, indirect, or consequential damages, including but not limited to lost business opportunities, or loss of data.

Lion Lenders takes great precautions to guard against the loss, exploitation, and alteration of the data that is gathered. Using secure server technology is one of these precautions. The user needs to understand that there are security flaws in the internet. Consequently, Lion Lenders disclaims all liability for any inadvertent disclosure of Information and is unable to guarantee the security of any Information sent to Lion Lenders via the internet.

The website and products are password-protected. Passwords must not be disclosed by Users to third parties. You must not attempt to access password-protected areas of the Products and Website without the necessary authorization, nor will you take any actions that would constitute a security breach.

MINOR

The Services are not intended for users under the age of 18 (eighteen), unless permitted under applicable local laws (Permissible Age). We do not knowingly collect any personal information from users or market to or solicit information from anyone under the age of 18 and use of our Services is available only to persons who can form a legally binding contract under the Indian Contract Act, 1872. If you are under the age of 18 years then you must use the Services under the supervision of your parent, or legal guardian.  

RETENTION OF DATA  

Lion lenders shall retain the information provided by the users for such period of time as is required to fulfil the purposes for which such information is collected, as outlined in this Privacy Policy, subject to such longer time periods of retention as may be required under any applicable laws.

MONITORING

All transactions of suspicious nature and/ or any other type of transaction notified under The Prevention of Money-Laundering Act, 2002, shall be reported to the appropriate law enforcement authority, as the same reaches our knowledge.

PROPRIETARY RIGHTS

Lion lender finance private limited owns the copyright in all of the information and material contained in this Site. It has proprietary rights over the content on the Site, including but not limited to designs, text, graphics, pictures, video, information, software. You may not copy, reproduce, distribute, or create derivative works from this content or reverse engineer or reverse compile any of the Service technology used.  

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.  

DISCLAIMER AND INDEMNITY

Without limiting the foregoing, everything on this site, the content, services and materials in the site are provided "as is" and on an "as available" basis without representations or warranties of any kind either express, implied or statutory. We do not make any representations, warranties or endorsements regarding the accuracy, reliability, usefulness or completeness of the services, content or materials in the site or any site linked to it. to the maximum extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of title, non- infringement, design, accuracy, capability, sufficiency, suitability, capacity, completeness, availability, compatibility arising from course of dealing or course of performance. We do not warrant that the site or the services, content, materials or functions contained in the site will be continuously available, uninterrupted or error-free, that defects will be corrected, or that the site, services, content, materials or the servers that make the site or such services, content and materials available are free of viruses or other harmful components or are accurate or complete. We do not warrant or make any representations regarding the use or the results of the use of the services, content, materials, functions or products available through the site in terms of their correctness, accuracy, reliability, or otherwise. Neither lion lender nor their affiliates' officers, employees or agents shall be liable to you or anyone else for any loss, damage or expense arising out of any access to or use of this Site / Services or any site linked to it, including, without limitation, any loss of revenues or profits, loss of business or loss of data, indirect, incidental or consequential loss.

CHANGES TO THE POLICY

We reserve the right, at any time and in Our sole discretion, to add, remove, alter, or amend any part of this privacy policy without giving you any prior notice.

For the most up-to-date details on Our privacy practices, we encourage you to revisit this Privacy Policy from time to time. Once an updated Privacy Policy goes into effect, using the Portal or using the Services will signify your acceptance of the updated Privacy Policy.

COMPLAINTS AND GRIVENCE REDRESSAL

If you contact us to provide feedback, register a complaint, or ask a question, we will record any Personal Information and other content that you provide in your communication so that we can effectively respond to your communication.

Any complaints or concerns in relation to your Personal Information or content of this Website or any dispute or breach of confidentiality or any proprietary rights of User during use of the Website or any intellectual property of any User should be immediately informed to the Grievance officer mentioned below in writing or by way of raising a grievance ticket through the hyperlink mentioned below:

Address: G 8/G 9, Sai Residency, Lakadganj, Opt Lakadganj Police Station, Bhandara Road, Nagpur-440008

Email id: grievance.lionlenderfinance@lionlender.in

CONTACT US