Effective Date: 1 September 2023
1. Introduction
General Invention and Marketing Pvt. Ltd. is incorporated as a private limited company under the Companies Act, 1956.
We are committed to protecting the privacy and security of your personal information. This privacy policy outlines how we collect, use, disclose, and protect your information when you use our services. By accessing or using our services, you consent to the practices described in this privacy policy.
Membership/Subscription
We provide free and paid experts fee-based services but never charge any type of hidden charge.
2. Information we collect
We may collect various types of information, including:
Personal Information:
This includes information that can identify you personally, such as your name, contact details, and payment information.
Non-Personal Information:
This includes information that does not directly identify you, such as usage data, device information, and browsing history.
3. How We Collect Information
Usage Data: We may automatically collect certain information about your use of our services, such as your IP address, browser type, operating system, referring URL, pages visited, and the date and time of your visit.
Directly from You: When you provide information to us, such as when you create an account, submit a request, or communicate with our support team,
Automatically: We may collect information automatically when you use our services, including through cookies, web beacons, and similar technologies.
4. How We Use Your Information
We use your information for various purposes, including:
Providing and improving our services
Responding to your inquiries and requests.
Sending administrative information, such as updates and notifications.
personalising your experience and delivering relevant content.
Processing transactions and billing.
Detecting and preventing fraud and unauthorised access
Complying with legal obligations.
Provide and Improve Services: We use the information we collect to provide, maintain, and improve our services, to respond to your inquiries and requests, and to personalise your experience.
5. Communication:
We may use your contact information to send you relevant updates, newsletters, and promotional materials. You can opt out of receiving these communications at any time.
Legal Compliance: We may use your information to comply with applicable legal obligations, such as responding to lawful requests from public authorities.
6. Disclosure of Your Information
We may share personal information internally within General Invention group companies, affiliates, related companies and panelled advocates and experts, and with other third parties, including payment gateways and our expert advocates, for purposes of providing products and services offered by them, such as personal loans and the deferred payment options offered by General Invention and Marketing Private Limited through its lending partners. These entities and affiliates may share such information with their affiliates, business partners, and other third parties for the purpose of conducting the required checks, namely for the purpose of credit underwriting, providing you with their products and services, and may market to you as a result of such sharing unless you explicitly opt-out.
We may disclose your personal information to third parties, such as sellers, business partners, and experts. This disclosure may be required for us to provide you access to our products and services to facilitate our marketing and advertising activities, analyse data for customer service assistance, and prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our products and services. We may disclose personal information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal processes. We may disclose personal information to law enforcement agencies, third-party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce our Terms of Use or Privacy Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the general public.
We and our affiliates will share / sell some or all of your personal information with another business entity should we (or our assets) plan to merge with, or be acquired by that business entity, or reorganization, amalgamation, restructuring of business. Should such a transaction occur that another business entity (or the new combined entity) will be required to follow this Privacy Policy with respect to your personal information.
7. Links to Other Sites
Our Platform may provide links to other websites or applications that may collect personal information about you. We are not responsible for the privacy practices or the content of those linked websites.
8. Third-Party Service Providers:
We may share your information with trusted third-party service providers who assist us in payment gateway, operating our services, conducting business operations, and providing customer support.
9. Legal Requirements:
We may disclose your information to comply with legal obligations, enforce our terms of use, respond to legal requests, protect our rights, privacy, safety, or property, and prevent fraud or illegal activities.
Business Transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
We may share your information in the following circumstances:
10. With your consent.
With our service providers and partners who assist us in delivering our services.
To comply with legal obligations, such as responding to legal requests or protecting our rights.
In connection with a business transaction, such as a merger or sale of assets.
To prevent fraud or other illegal activities.
10. Security Precautions
We maintain reasonable physical, electronic, and procedural safeguards to protect your information. Whenever you access your account information, we use a secure server. Once your information is in our possession, we adhere to our security guidelines to protect it against unauthorised access. However, by using the platform, the users accept the inherent security implications of data transmission over the internet and the World Wide Web, which cannot always be guaranteed to be completely secure, and therefore, there will always be certain inherent risks regarding the use of the platform. Users are responsible for ensuring the protection of login and password records for their accounts.
11. Data Retention
We retain your personal information in accordance with applicable laws for a period no longer than is required for the purpose for which it was collected or as required under any applicable law. However, we may retain data related to you if we believe it may be necessary to prevent fraud or future abuse, to enable (((Flipkart > GIMPL))) to exercise its legal rights and/or defend against legal claims, if required by law, or for other legitimate purposes. We may continue to retain your data in anonymized form for analytical and research purposes.
12. Your rights and consent
We take every reasonable step to ensure that your personal information that we process is accurate and, where necessary, kept up-to-date, and that any of your personal information that we process that you inform us is inaccurate (having regard to the purposes for which it is processed) is erased or rectified. You may access, correct, and update your personal information directly through the functionalities provided on the platform. You may delete certain non-mandatory information by logging into our website and visiting the Profile and Settings sections. You can also write to us at the contact information provided below to assist you with these requests.
You have the option to withdraw your consent that you have already provided by writing to us at the contact information provided below. Please mention "for withdrawal of consent" in the subject line of your communication. We will verify such requests before acting upon them. Please note, however, that withdrawal of consent will not be retroactive and will be in accordance with the terms of this privacy policy, related terms of use, and applicable laws. In the event you withdraw consent given to us under this Privacy Policy, such withdrawal may hamper your access to the Platform or restrict the provision of our services to you for which we consider that information to be necessary.
By visiting our Platform or by providing your information, you consent to the collection, use, storage, disclosure, and otherwise processing of your information (including sensitive personal information) on the Platform in accordance with this Privacy Policy. If you disclose to us any personal information relating to other people, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.
You, while providing your personal information over the Platform or any partner platforms or establishments, consent to us (including our other corporate entities, affiliates, lending partners, technology partners, marketing channels, business partners, and other third parties like credit bureaus) contacting you through SMS, instant messaging apps, calls, and/or e-mail for the purposes specified in this Privacy Policy.
Access and Correction: You can access and update certain personal information through your account settings.
Marketing Communications: You can opt out of receiving marketing communications from us by following the instructions provided in those communications.
Cookies: You can manage cookies and similar technologies through your browser settings.
Access and Correction: You have the right to access and correct the personal information we hold about you. You can do this by contacting us using the information provided at the end of this privacy policy.
Data Portability: You can request a copy of your personal information in a structured, machine-readable format.
Deletion: You can request the deletion of your personal information, subject to certain legal obligations and legitimate interests.
13. Children's Privacy
Some of our services are not intended for children under the age of 18. We do not knowingly collect personal information from children under this age.
14. Changes to this Privacy Policy
We may update this privacy policy from time to time. We will notify you of any material changes through our services or other means. Your continued use of our services after such changes constitutes your acceptance of the revised privacy policy.
15. Contact us
If you have any questions or concerns about this privacy policy, please contact us at cc@generalinv.com.
