Privacy policy:

Edsom Fintech Pvt. Ltd. respects your privacy and desires to promote trust and confidence on the Internet. At Edsom Fintech Pvt. Ltd., it is necessary to disclose to you what information Fina collects and tracks and what we do with the information that we collect.

" Fina" is mobile application developed by Edsom Fintech Private Limited. We value the trust you placed in us and your privacy is the utmost importance to us and protection of your personal data is key commitment for us. Hence, we maintain the highest standards for secure transactions and user information privacy. Please read the following statement to learn about our information gathering and dissemination practices.

At Edsom Fintech Pvt. Ltd. Financial Services, we are committed to protecting the privacy and confidentiality of our clients' personal and financial information. This Privacy Policy outlines how we collect, use, disclose, and protect the information we gather in the course of providing financial services. We adhere to all applicable laws and regulations regarding privacy and data protection.

Note:

By downloading /using /accessing the Fina platform, as defined for business and or personal use, you indicate, understand, agree and consent to this privacy policy. You hereby provide your unconditional consent or agreements to the Edsom Fintech Pvt. Ltd., as provided under the information technology Act 2000 and the rules and regulations made under therein for accessing the Fina platform. This privacy policy is a legally binding contract between you and the Fina. This privacy policy does not require any physical, electronic or digital signature. The terms and conditions of this privacy policy as defined below will be effective upon your registration on Fina platform and will govern the relationship between you and the Fina for your use of the Fina platform. This privacy policy shall be read together with respect to terms of use or other terms and conditions of the respective Fina products offering on Fina platform.

Data and information:

• We collect, processes, transfer, store and /or record your data and information while you visit any of the Fina platforms or avail its services. Information may be collected in various ways and formats during the course of your visit to

1. Registering on Fina platform as a user Or

2. Registering on Fina platform as a merchant Or

3. Any other relationship that may be governed by terms and conditions listed on Fina platform

4. Access Fina platform by the ways of visiting Fina platform, accessing, links, emails, notification sent by Fina platform

• We and our service providers or business partners may also collect information made publicly available through other third-party platforms through online or offline databases that are otherwise legitimately obtained and are subject to the third party’s terms of use and privacy statement.

Information Collection:

Types of Information:

Personal Information: We may collect personal information such as names, addresses, contact details, identification documents, and other relevant information required for client identification and verification.
Financial Information: We collect financial information necessary for the provision of our services, including banking details, investment preferences, transaction history, and other related data.
Cookies and Tracking Information: We may use cookies and similar tracking technologies on our website to gather information about your browsing activities and improve your experience.

Personal details for example name, contact details -including residential address, date of birth, documents such as identity card, passport details, Aadhaar details, PAN, voter ID, driving license and /or education details provided by you to us to avail various products or services from us.

• Your details including transaction history, balances, payment details for effecting transfer of money to various payment channels provided by us.

• Information obtained from your mobile device by way of using our app like device location, communication information including Contacts, storage, model, mobile network, transactional and promotional SMS or app notifications.

• Financial details for example, income, expenses and credit history needed as part of request for availing some of our products or services.

• Images of documents, photos required to avail any of our services or products.

• Voice recordings of your conversations with our Tax Expert / customer care agent with you to address your queries / grievances.

• Employment details like occupation, positions held, employment history, salary and/ or benefits as a part of your record retention for providing accurate service.

• Your messages on message boards, chats or any other message or feedback areas shared on Fina platforms and social media.

• The devices and identification numbers of devices used by you to access Fina as platform.

• Your location stored on your browser or devices and behaviour on Fina platform

• The operating system of your device browser, browsing behaviour, or any other data as permitted to be stored by mobile app stores.

Collection Methods:

Directly from Clients: We collect information directly from clients through application forms, agreements, conversations, and other interactions.
Third Parties: In some cases, we may obtain information from third parties such as credit reporting agencies, regulatory bodies, and other financial institutions, where permitted by applicable law.

Usage and purpose of data collection:

Fina always desires to provide an efficient, safe, smooth and customised experience. Also, to provide services features that are most likely meet your needs and to customize our application to make your user experience safer and easier, and accurate we may collect, store, use and transfer your information including personal information and non -personal information for the following purpose: We use your personal data in our business activities for providing financial services and to perform among other actions the following:

1. To verify your identity, access privilege assigned in order to provide the services your request.

2. To verify your identity for us to provide products or services to you.

3. To facilitate the transactions or report on these transactions.

4. To detect and protect us against error, fraud and other criminal activity, enforce our terms and conditions and otherwise describe to you at the time of collection.

5. To resolve disputes, troubleshoot problems, help promote safe service, major customer interest in our products and services.

7. To undertake research and analytics for offering or improving our products or services and their security and service quality.

8. To monitor and review products or services from time to time.

9. Providing information to law enforcement agencies or government agencies in connection with a query or investigation on matters as permitted by law.

10. To help diagnose problems with our server and to administer our app. Your IP address is also used to help identify you and to gather broad demographic information.

11. To identify security breaches and attacks, investigating, preventing and taking actions on illegal or suspected fraud or money laundering activities and conducting forensic audits as part of internal or external audit or investigation by any of the Fina entities or government agencies.

Purpose of Use:

Providing Financial Services: We use client information to deliver our financial services, including filing income tax returns, GST returns, MCA services, account management, investment advice, transactions, and related activities.
Communication: We may use contact information to communicate with clients regarding their accounts, service updates, market insights, and other relevant information.
Compliance: Client information may be used for compliance with legal and regulatory obligations, risk assessment, fraud prevention, and internal audits.

Disclosures:

Fina uses reasonable precautions to keep the personal information secure and will not disclose this information to other individuals, organization unless required by Law. However, Fina will extend information with the other companies and organization for the sole purpose of fraud protection.

In case of abuse or breach of security we are not responsible for any breach of security or for any actions of any third parties which receive the information illegally. Fina will not distribute customer information to be used in mailing list, surveys or any other purpose other than what is required to be performed or services.

Fina recommends you to review your personal information and sensitive personal information. You may review your personal information and sensitive personal information shared by you by logging into Fina platform using your secure login credentials and may notify us in case any change.

We do not disclose your personal information to third parties for their marketing and advertisement purposes.

Data Security and Confidentiality:

We implement appropriate administrative, technical, and physical security measures to protect client information from unauthorized access, disclosure, alteration, or destruction.
Our employees and staff are trained on data privacy and security practices and are bound by confidentiality obligations.
We regularly review and update our security practices to mitigate risks and respond to emerging threats.
The following policy is applicable, unless otherwise required by applicable law or with the express written approval of the clients who are the subject of the disclosure:

a. To prevent unauthorized access, theft, or disclosure of client data, company create and uphold stringent security protocols.

b. Security measures are in line with industry standards and best practises, the make use of cutting-edge encryption technology and continuously update them.

c. The Company firewalls, access controls, and intrusion detection systems, among other measures, to avoid data breaches.

d. Ensure that, employees, are subject to the necessary confidentiality obligations.

e. Any client information gathered while providing financial services will not be disclosed to any third party.

f. Any personal or financial information acquired when providing financial services is considered client information.

g. We recognize the significance of protecting the privacy and confidentiality of the information about our clients.

h. We will rigorously abide by all privacy laws and rules that apply and that regulate how we handle and safeguard customer information.

i. We understand the importance of maintaining the confidentiality and privacy of our clients' information.

j. We will strictly adhere to all applicable privacy laws and regulations governing the handling and protection of client information.

k. We will maintain appropriate security measures and safeguards to protect client information from unauthorized access, use, or disclosure.

Data Retention

We retain client information for as long as necessary to fulfil the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements.
When client information is no longer required, we will securely dispose of or anonymize it.

Security and Safeguarding Practices:

We take all the reasonable steps and measures to protect the security of your data from misuse, loss, unauthorized access, modification or disclosure.

Fina is a certified entity and has deployed technical and physical security measures to safeguard users personal information and sensitive personal information.

We use latest secure server layers encryption and access control on our systems. We have provided multiple levels of security to safeguard your app by login / logout option and app lock feature that can be enabled by you. We also ensure the device binding so that the same login cannot be used on different device without any additional authentication or OTP. Please do not share your login password and OTP details with anybody.

Cookie Policy:

To enhance your user experience and the efficiency and effectiveness of the platform and certain services and functionalities offered thereon, we may use cookies and tracking technology depending on the features offered.

However, no personal data will be collected via Cookies and other tracking technology, but if you previously provided personal data, cookies may be tied to such information. Cookie is a small piece of information stored by a web server on a web browser that can be later read back from that browser.

User discretion and opt out:

You agree and acknowledge that your personal information and non- personal information is a matter of your free will. You further agree to all the provisions of this privacy policy and authorize us to manage the data shared by you or collected by us to be used according to this privacy policy.

By using our platform and or by providing your information, you consent to the collection and use of the information you disclose on the app in accordance with this privacy policy including but not limited to your consent for sharing your information as per this privacy policy.

Scope and Applicability:

This privacy policy is applicable to all users of Fina including customers, merchants, business partners whether registered or non-registered accessing, selling or purchasing, offering products or services on the website application, notifications, links, short messaging services or any other communication medium used or owned by Fina.

Links to other websites:

This privacy policy only applies to Fina website and mobile application. Our website and mobile application may contain links to other websites which are not maintained by us, so you are requested to read the other applications and websites’ privacy policies when visiting these websites and applications.

Review and Amendment of privacy policy:

This privacy policy will be reviewed and updated by us and the same shall be updated and made available on website and mobile application, time to time. Though every effort would be made to keep you informed of the changes, if any, to the policy, you are kindly advised to review the policy periodically. Any changes to the policy will become effective upon posting of the revised one, on the Internet accessible through Fina platform.

Client Rights

Clients have the right to access, correct, update, or delete their personal information, subject to applicable legal restrictions.
Clients may also have the right to restrict or object to certain data processing activities.
To exercise these rights or seek clarification about their privacy rights, clients can contact us using the contact information provided at the end of this Privacy Policy.

Indemnity:

You shall indemnify and hold harmless the Fina entities, directors, agents, contractors officers, and any third parties relying on the information provided by you for any losses including but not limited to claims, damages, liabilities, assessments, interests deficiencies, settlements, penalties, fines, cost or expenses, awards, suffered, incurred, suspended by or imposed on the Fina entities as a result of arising out of, with respect to, in connection with or by use of Fina or non-performance of any of the condition, terms, representations or warranties contained in this privacy policy by you.

You further agree that the collection, use, storage, disclosure and or transfer of your information shall not cause any loss to any other person. The information so provided by you may be shared to Fina entities and the third-party service provided on a need-to-know basis.

Jurisdiction:

This privacy policy is governed by and shall be construed in accordance with the Indian Laws and any dispute arising out of or in connection with this agreement, privacy policy shall be subject to jurisdiction of the court of Pune, India.

Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your information, please contact us at:

Address: Second Floor , Golden Empire,

Baner, Pune

411045

Email: care@edsomfintech.com fina@edsomfintech.com

Grievances:

You may contact us on any aspect of this policy or for any discrepancies / grievances with respect to your data by writing to our grievance officer at

care@edsomfintech.com

Grievances Manager - Adv. Sheetal Patil

Disclaimer:

We disclaim that we at Edsom Fintech Pvt. Ltd, the provider of the taxation assistance application (the " Fina “), are not a government entity or affiliated with any government agency. The Application is intended solely to provide tax preparation and filing services to people.