Privacy Policy

Potfin recognizes and respects the privacy, confidentiality, and security expectations of its customers ("you" or "your") concerning their personal information. Safeguarding this information and preventing its misuse are our utmost priorities. We are fully committed to protecting the privacy of our customers and have implemented necessary measures in compliance with relevant laws and industry standards. This Privacy & Security Policy ("Policy") outlines how we handle the personal information provided to us through our website, www.Potfin.com ("Website"), and its use in connection with the services offered ("Service"). This Policy is aligned with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Information Technology Act, 2000, and other applicable laws and regulations governing the collection, usage, storage, disclosure, and transfer of sensitive personal data or information.

PERSONAL INFORMATION:

Personal Information (referred to as "PI") encompasses any information, documents, or details relating to a natural person that, either directly or indirectly in combination with other available information at Potfin, can identify such an individual.

APPLICABILITY:

This Policy encompasses Personal Information (PI), comprising details such as your name, parentage, marital status, nationality, state/city of residence, residential address, email address, date of birth, gender, contact number/mobile number, user IDs, passwords, recent photograph, signature image, income proof, PAN, credit score, credit information report, e-KYC through UIDAI, Aadhaar-based e-Sign, and other Know Your Customer (KYC) documents like address proof, identity proof, officially valid documents/details (OVDs) accepted for concluding a financial transaction. These may be shared/uploaded by you when availing any products or using the Website, and Potfin may gain access to them.

By visiting and/or using our Website, you agree to abide by this Policy. Furthermore, this policy extends to all current and former visitors to the Website. It is strongly advised for you to revisit this page periodically to review the most current version of the Policy.

Potfin retains the right, at its sole discretion, to modify or amend the Policy at any time without prior notice, and your continued access or use of this Website indicates your acceptance of the updated or modified Policy. However, if any material changes are made to the Policy, we will notify you via email (sent to the email address specified in your account) or through a notice on this Website before the changes take effect.

How do We Use The Information:

Potfin gathers your details upon registration for an account, when utilizing its products or services, or browsing its Website pages. Upon registering and signing in, your anonymity is waived. Additionally, contact information and other details are requested during registration, and you may receive SMS, emails, notifications, or WhatsApp messages regarding our services on your wireless device.

EXPRESS CONSENT:

Potfin acts solely as a conduit for transferring customers directly to the bank's credit card application page via the website's apply link, and does not retain any customer information for its own use.

By utilizing the Website and providing your personal and contact details, you implicitly express interest in learning more about, or availing and/or purchasing various products, services, offers, campaigns, or other promotional materials that Potfin or any third party may offer/provide/share/send you through various means including but not limited to telephone, SMS, email, Whatsapp, or any other messaging service/application, or any other physical, electronic, or digital means. You hereby consent to Potfin contacting you electronically or by phone to gauge your interest in the selected products and services and to fulfill your requirements or complete your application. Furthermore, you expressly authorize Potfin, its partners, service providers, vendors, and other third parties to contact you for the purpose of offering or soliciting your interest in availing other products or services provided by third parties, or for sending other marketing campaigns, offers, or any other information through various means including but not limited to telephone, SMS, email, Whatsapp, or any other messaging service/application, or any other physical, electronic, or digital means. You consent and authorize Potfin to share your information with its group companies, vendors, service providers, business partners, agents, and other third parties, as necessary for marketing purposes, cross-selling various other products and services, and/or to provide you with various value-added services, in connection with the Services selected by you or otherwise. You agree to receive communications via email, telephone, Whatsapp, SMS, or any other form of messaging/communication service from Potfin or such third parties. Additionally, you acknowledge that Potfin reserves the right to disclose your details to its partner banks/financial institutions or any such other third party, and that you may be contacted by the partners and/or the third party for information through email, telephone, Whatsapp, and/or SMS.

Your use of the Website may necessitate providing consent for inputting your Personal Information ("PI"), including but not limited to any personal data or sensitive personal data as defined under applicable law, or authorizing Potfin to obtain your data/information from any other source or public registry. This is required to complete your profile or application on the Website, conduct due diligence, assess your eligibility for products/services, undertake know-your-customer ("KYC") checks by Potfin or any third party, and/or process your application through the Website. Your PI may also be shared with third parties, including but not limited to vendors, service providers, credit information agencies, analytics and research partners, other banks or financial institutions, insurers, or intermediaries, to enhance your experience on the Website. Potfin adheres to best industry practices, including information security, data protection, and privacy law while processing such applications. However, Potfin shall not be held liable to you for any claims arising from such transactions, as any PI is collected, used, processed, and shared with your explicit consent.

You hereby authorize and expressly consent to us sharing your PI with third parties, including but not limited to Credit Information Companies ("CIC"), to conduct an aggregate check of your credit profile for Potfin to send you targeted communications and offers. Potfin reserves the right (and you expressly authorize Potfin) to share or disclose your PI when Potfin determines, in its sole discretion, that such disclosure is necessary or appropriate under the prevailing law.