Privacy Policy

Preminen Price Comparison India Pvt. Ltd (“Preminen India” “we,” us,” and “our”), provides you access of our website GoSahi.com and our mobile application(s) and all other websites / mobile applications on which we place these T&C (collectively, our “Site“), and (ii) your use of any services we provide, including our surveys, reviews, newsletters, panels, communities or other services. The term ‘you’, ‘your’ & ‘user’ shall mean any legal person or entity accessing or using the services provided on the Site, who is competent to enter into binding contracts, as per the provisions of the Indian Contract Act, 1872.

This privacy policy and other linked information, use of cookies etc. (“Policy” or “Privacy Policy”), together with our T&C sets out the basis on which we collect  any personal identifiable information  submitted or collected at the Site with your consent and use it in connection with the service offered through our Site. This Policy also covers Preminen India’s treatment of personally identifiable information and its practices regarding type of personal or sensitive personal data or information collected from Users, purpose of collection and usage of such information, disclosure / transfer of such information and security practices and procedures adopted by Preminen India. This Policy does not apply to the practices of companies that Preminen India does not own or control, or to people that Preminen India does not employ or manage.

This Policy is published and shall be construed to be in accordance with the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data of Information) Rules, 2011 under the Information Technology Act, 2000.

By registering yourself on the Site, using the Site and/or by submitting any information including your name, gender, mobile number, email, salary, home and office address, post code) and other material and content as may be permissible by us such as messages, text, illustrations, files, images, graphics, photos, comments, sounds, music, videos etc (“User Content”) on the Site. You agree to be bound by this Policy. By accepting to our Policy, you are authorizing us & our Associate Partners (as defined in Preminen India Terms and Conditions (“T&C”) available on the Site) to contact you either through email, chat (WhatsApp or Facebook), telephone and/or sms or by any other means of communication, to understand your interest in the selected products and services, to provide the right guidance & policy explanations as well as to help fulfilling the product / service need. You agree to receive promotional materials and/or special offers from Preminen India and its Associate Partners through email, sms or chat via WhatsApp or Facebook telephone and/or sms or by any other means of communication. By providing his/her data/ information to Preminen India, the User gives his/her express consent to be contacted by  Preminen India and Associate Partners,   irrespective of the fact that you have registered yourself under NDNC or national DND service or any other do not disturb service,

1. Do Not Contact Policy

1.1 Any time you wish us to stop sending the email alerts or promotional mailers, you need to visit our unsubscription page, submit your email id and same would be removed from all of our mailing list within 5 working days & you won’t be contacted by us again unless you request, consent or decide to revisit the website & accept the Policy.

 

1.2 Any time you wish us to stop contacting you on phone / sms, all you have to do is submit your contact number on the DND page of our website. Your phone number will be deleted from contact list within 5 working days & you won’t be contacted by us again unless you request, consent or decide to revisit the website & accept the Policy. Your information / data will be kept for as long as we required it in order to provide you with agreed products and services. It will continue to be retained by us after any account or services have been closed or otherwise comes to an end in line with regulatory requirements.

1.3 Any time if you wish us to remove your entire data / information with us and automatically unsubscribe from mailing & calling lists, please drop us an email at datadeletion[@]GoSahi.com with your email id & mobile number details. Your complete record will be removed within 5 working days & you won’t be contacted by us again unless you request, consent or decide to revisit the website & accept the Policy.

2. Information Sharing and Disclosure

2.1  Preminen India will not sell or rent or transfer your personally identifiable information to anyone other than as specifically noted herein in this Policy. Notwithstanding the foregoing, Preminen India may transfer your personally identifiable information and data to an Affiliate and to any successor-in-interest as a result of a sale / transfer of any part of Preminen India’s business / Site or upon the merger, reorganization or consolidation of Preminen India / Site with another entity on a basis that GoSahi.com is not the surviving entity. For the purposes of this paragraph, “Affiliate” means any Person directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with Preminen India. The term “control,” as used in the immediately preceding sentence, shall have the meaning as ascribed to it in the India Companies Act, 2013 as amended from time to time. As used in this Policy, the term “Person” includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association or any other entity.

2.2  Preminen India will share your data / information when it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing the T&C; for complying with the applicable laws and regulations etc.

2.3  We propose to share such information / data within our group companies/affiliates and officers and employees of such group companies/affiliates for the purpose of processing personal information on our behalf. We also ensure that these recipients of such information agree to process such information based on our instructions and in compliance with this Policy and any other appropriate confidentiality and security measures. You shall receive notice of such event (to the extent it occurs).

2.4  Our Associate Partners will have access to your data / information including your personal and sensitive information in order to provide you the best offers on the product/services and to keep the User updated of the newest offers and for the same to provide to you the. Advertisements about products and services of your interest when you visit the Site or otherwise. These companies may use personal information about your visit to the Site and other websites in order to provide advertisements about products and services of your interest.

Data Policy

3.1.  When data is collected

  3.1.1.We will collect your personal data including information set out in Para 3.2 below  when you:

  1. You request a quote for any service available through our Site;
  2. You make a purchase from a third party provider following a quote using our service / Site;
  3. You make customer enquiries
  4. You register for information, product or other services including subscribing for newsletters, updates, and other products;
  5. You respond to communications or surveys or provide us with feedback;
  6. We require additional information from you for validation purposes;
  7. share any details with our authorized representative either on phone call, chat, email or in person including communicating with us by phone, e-mail or otherwise, chatting with any of our or our Associate Partner’s representatives on our chat forum, reporting a problem with our website.
  8. Make a purchase or place an order;
  9. Enter a sweepstakes or contest or register for a promotion;
  10. Use certain features that require your information to function (e.g., vendor price quotes or using our Site to scan and search for products, find coupons, and promotions);
  11. Information or data shared with us by our Associate Partners / third parties/persons; and/or
  12. Post user-generated content, including comments, to or on any of our Services, including on discussion boards, community forums, blogs, or other social media functions on our website.

3.2.  What all data we collect

3.2.1  Examples of personal data we may collect include :

  1. Personal Details : Name, Age, Gender, Email address, Mobile Number, landline phone number and other contact details, salary, City or Pin Code of current residence / property location, home or office address, post code, user name and password associate with your account, if any, demographic information, birthdate, and other User Contents, preferred day & time slot for appointment over phone call or in person etc.;
  2. Loan details : Loan Type, Loan Amount (New, Current Outstanding or Top Up), Desired Loan Tenure, current lender & existing interest rate;
  3. Employment Details : Currently Employed With, Net Monthly Income, Primary Bank etc;
  4. Devise / Usage Information: We (including through our nominee third-party analytics providers and technologies, including cookies and similar tools) collect certain information about the computer or devices (including mobile devices or tablets) you use to access the Services, including (a) IP addresses, geolocation information, unique device identifiers, IMEI and TCP/IP address, and other information about your computer or device(s), browser types, browser language, operating system, mobile device carrier information, the state or country from which you accessed the Services; and (b) information related to the ways in which you interact with the Services, such as: referring and exit web pages and URLs, platform type, the number of clicks, domain names, landing pages, pages and content (such as advertisements) viewed and the order of those pages, statistical information about the use of the Services (such as barcodes scanned through certain of our mobile apps), the amount of time spent on particular pages, the date and time you used the Services, the frequency of your use of the Services, error logs, and other similar information;
  5. Location Information: We automatically collect location information, including general information (e.g., IP address, zip code) from your computer or mobile device. If you access the Services through a mobile device, we may also ask you to share your specific geo-location information with us;
  6. Cookies and other electronic technologies: We may also collect data / information about your use of the Services through the use of Internet server logs, cookies and/or tracking pixels;
  7. Information collected by and from social media and other content platforms: If you access the Services through a third-party connection or log-in (e.g., through a social network), you may allow us to have access to and store certain information in your social network profile. This may include your first name, last name, gender, general location, a link to your profile, your time zone, birthday, profile picture, your “likes” and your list of friends; and
  8. Information from Associate Partners, Affiliates, and non Affiliate Third Parties: We may receive / collect information and data from our
  9. our Associate Partners, Affiliates  and non Affiliate Third Parties. In addition, Services may include cookies and tracking mechanisms from social media platforms (e.g., Facebook) through which the social media platform may collect information about you, such as mobile advertising identifier, cookie data, and IP address, as well as non-personal information (e.g. screen size).

3.2.2  We may monitor or record calls, emails, SMS messages or other communications for:

  1.  business purposes such as quality control and training;
  2.  processing necessary for entering into or performance of a contract;
  3. prevention of unauthorised use of our telecommunication systems and websites;
  4. ensuring effective systems’ operation;
  5. meeting any legal obligation;
  6.  protecting your vital interests;
  7.  Prevention or detection of crime;
  8. for the legitimate interests of the data controller.

3.2.3.  In order to take advantage of certain functionalities of certain Services, such as the ability to purchase certain products or services, our Associate Partners may collect certain financial information from you, such as your name, address, credit or debit card information, applicable card expiration dates and security codes in order to process your transactions. We do not collect, store or otherwise maintain this financial information, including credit, debit or similar information from individuals who make purchases from our Associate Partners, and use and storage of that information is governed by the Associate Partners applicable terms of service and privacy policy.

3.3.  Purpose for Collection of Data and How your data is used

   3.3.1  Data Sharing: There are certain circumstances where we share your data / information in relation to fulfillment of your desired product or service. Same are explained below :

  1. Sharing data / information with our Associate Partners in order to assist you with personalized advisory.
  2. Sharing data / information with our Associate Partners for data verification.
  3. Sharing data / information with our associate partner / partners in order to assist you with application filing for desired product / services.

3.3.2  The information provided by you at the time of the registration to send you , from time to We may use your data / information for:

  1. For the purposes for which you provided it;
  2. Processing quotes for our products and services including processing a transaction you initiate or to provide the features, services and products available through the Services;
  3. Fraud prevention and detection;
  4. Credit scoring;
  5. Verifying your identity when required;
  6. Undertaking market research and statistical analysis and product development;
  7. Keeping you informed about promotions and new developments by email, telephone, SMS, social media or , where we are legally permitted to do so and you have not asked us to stop keeping you up to date with such information
  8. For assessment and analysis to enable us to review, develop and improve the services that we offer
  9. To carry out our obligations arising from any contracts entered into between you and us including providing you with relevant information and offers on products and services that you request from us, online content and dealing with your requests and enquiries;
  10. To provide personalized advisory on phone, chat, SMS, email etc. and share customized mailers and product promotions suited to your data profile;
  11. To measure or understand the effectiveness of advertising we serve to you and others;
  12. For market research and predictive modeling for internal business use;
  13. For internal research and reporting;
  14. For assessment and analysis to enable us to review, develop and improve the services that we offer or develop new Services;
  15. To send you information about your relationship or transactions with us, account alerts, or other communications, such as newsletters to which you have subscribed;
  16. To notify you about new features, changes and/or offerings of the Services, including, but not limited to, updates, discounts, events, shows news about our Services, products, and/or special offers;
  17. To contact you with information, surveys, or advertising that we believe may be of interest to you both regarding our products and Services and those of third parties;
  18. To administer sweepstakes and contests;
  19. To process and respond to your inquiries or to request your feedback;
  20. To ensure that content from our Siteis presented in the most effective manner for you and on the device or browser from which you are accessing our Services;
  21. To personalize the content and advertising that you see on the Services or on other websites, including across difference devices and browsers;
  22. To allow you to participate in interactive features of our service, when you choose to do so;
  23. To enforce the legal terms that govern your use of the Services; Privacy Policy and T&C;
  24. To keep our Site safe and secure and for fraus and data protection;
  25. To use IP addresses to identify the location of users, to block disruptive use, to establish the number of visits from different countries and to determine the jurisdiction in which you are accessing the Services;
  26. To prepare any derivative works from, or sell, lease, license, e-mail, reproduce, duplicate, copy, resell, republish, transmit, or distribute or otherise expolit for any commercial /business purpose to other entity or individual;
  27. To administer and troubleshoot the Services; and
  28. To use it for the purpose otherwise provided herein.[1]

3.3.3.  Please note that we may combine information that we collect from you and about you (including automatically-collected information) with information we obtain about you from our Associate Partners, affiliates and/or non-affiliated third parties, and use such combined information in accordance with this Policy.

3.3.4.  We may aggregate and/or de-identify information collected through the Services. We may use de-identified and/or aggregated data / information for any purpose, including without limitation for research and marketing purposes, and may also share such data / information with any third parties, including advertisers, promotional partners, sponsors, event promoters, and/or others.

3.3.5.  Site also uses third-party service providers to serve advertisements across the site. These service providers may collect some information about your visits to our Site and with our products and services. However, no personally identifiable information is collected or used in this process.

 3.4.  Data Protection

3.4.1.  We are committed to user data protection & security. Below measures are adopted to ensure same.

  1. All data / information collected is stored in a very secure, robust & cloud based environment.
  2. Our data storage & web servers are guarded with Firewalls for prevention against possible spam attacks or vulnerabilities.
  3. Very Limited, authorized and login credentials based access to the secure data is provided within the organization.
  4. Encrypted drives are enforced in our workplace and no use of personal hard drives or pen drives are allowed at any levels.
  5. Tracking mechanisms in place to detect any irrelevant attempt to access the data and blocking IP address of machines from where such attempts were made.
  6. Relevant data is shared with our associate partner / partners only through the authorized and login credentials based access to our business process tool.
  7. No data is every shared with our associate partner / partners using physical drives or database copies.
  8. Our associate partner / partners aren’t permitted for any data reselling or data sharing except with the user permitted selection for application filling.

4. Exclusions of liability

4.1.  We try to ensure that the data, material and information on the Site are accurate. We will also endeavor to correct any errors or omissions as soon as practicable after being notified of them. However, we are not liable in case the data, material or information on the Site are found to be inaccurate or if there are any errors or omissions in the data, material or information.

4.2.  We are not liable for any losses or damages arising from an inability to access the Site, from any use of the Site or from reliance on the data transmitted using the Site where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet. We are not responsible or liable for any indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you which were not foreseeable by us when you accessed or used the Site.

5. Exclusion of liability for third party providers products and services and Third party advertisements

5.1.  You can apply for a number of products and services via Site. It is specifically clarified that we do not provide any of the products and services that appear on the Site. All these products and services are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties. We are not responsible for any products or services or information provided by third party providers.

5.2.  Site may contain links to other websites (“Linked Site”) which are operated by Associate Partners / third parties and are not controlled by or affiliated to or associated with us, unless expressly specified on the Site. We are not responsible for any form of transmission, whatsoever, received by you from any Linked Site. Accordingly, we do not make any representations concerning the privacy practices or policies of such third parties or terms of use of such websites, nor do we control or guarantee the accuracy, integrity or quality of the information, data, text, software, music, sound, photographs, graphics, videos, messages or other materials available on such Linked Site. The inclusion or exclusion does not imply any endorsement by the Preminen India of the website, the website’s provider or the information on the website. The information provided by you to such Linked Site or third party websites shall be governed in accordance with the privacy policies of such websites, and it is recommended that you review the privacy policy on any such websites prior to using such websites.

 

5.3.  These Linked Site or third-party websites and advertisers may use technology to send the advertisements that appear on the Site directly to your browser. In such cases, the third party websites or advertisers automatically receive your IP address. They may also use cookies, JavaScript, web beacons and other technologies to measure the effectiveness of their advertisements and to personalize advertising content. Preminen India does not have access to or control over cookies or other features that such third party websites and advertisers may use, and the information practices of these third-party websites and advertisers are not covered by this Policy. So you should contact them directly for more information about their privacy practices.

5.4.  You should exercise due caution to ensure your interests. Do not handover any cash. Get all promises on terms and conditions in writing on a letterhead. Get the visiting card of the person visiting you and check out that the landlines numbers mentioned on the card are correct. Most advertisers are unable to return documents in case your proposal is not accepted. If this is an issue with you, please get a promise to return your documents in writing in the event of your proposal is not accepted for any reason.

 

5.5.  Any transactions relating to sale/purchase of products or services not directly offered by us are to be settled inter-se between the parties to such transaction and all warranties express or implied of any kind, regarding any matter pertaining thereto, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement are disclaimed by us.

5.6.  We try to provide a platform where you and other party may interact, exchange information or carry out any transactions on such terms and in the manner mutually agreed between you and the other party. We do not have any involvement in the actual transactions between the buyers and sellers of any product and service. We are committed to service users with best & personalized services. Our associated partner / partners are also wisely selected & committed to quality services. However you shall satisfy yourself about all relevant aspects prior to availing of the terms of service. It is only you, who is entirely responsible for all the activities, arising out of the transactions of products or services offered by any other party and not us. We will not be liable for any Loss that you may incur, while purchasing products /services of the third party.

6. Tracking Technologies

6.1.  The Site including website GoSahi.com use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. A cookie is a piece of data stored on the user’s computer tied to information about the user. We may use both session ID cookies and persistent cookies. For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. A persistent cookie is a small text file stored on your computer’s hard drive for an extended period of time.

6.2.  You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our Site or service.

7. Log Files

7.1.  Like most standard websites/mobile applications, Site including website GoSahi.com use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer to you, to improve marketing, analytics or site functionality.

8. Behavioral Targeting / Retargeting

8.1.  We partner with third party service providers to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this Site and other Sites in order to provide you advertising based upon your browsing activities and interests.

9. Reasonable Security Practices

9.1.  We have implemented administrative, technical, and physical security measures to protect against the loss, misuse and/or alteration of your data / information. All information you provide to us is stored on secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website or our service, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

9.2.  Although we will do our best to protect your information, we cannot and do not guarantee that the measures we take will prevent every unauthorized attempt to access, use, or disclose your information since despite our efforts, as no Internet and/or other electronic transmissions can be completely secure and any transmission is at your own risk.

9.3  To the fullest extent permitted by law, we disclaim all liability and responsibility for any damages you may suffer due to any loss, unauthorized access, misuse or alterations of any information you submit to the Service.

10. Grievance Redressal

10.1.  In accordance with Information Technology Act, 2000 and Rules made thereunder, if you notice any discrepancies in the information provided or have any grievance against the Site/us, you may contact our Grievance Officer. The name and contact details of the Grievance Officer are:

 

Mr. Amit Kumar

 

Disclaimer: Please note that the Grievance Officer shall address complaints exclusively pertaining to Information Technology Act, 2000 and the Rules made there under. If you have any specific customer complaints or any other complaints you may write an email to us at amit.kumar[@]gosahi.com of any complaints to the Grievance Officer other than those related to the Information Technology Act, 2000 and Rules made there under will not be entertained by the Grievance Officer and will not be deemed to have been filed.

11. Privacy Policy Changes

11.1  We may amend this Policy from time to time, at our discretion. If we make any substantial changes in the way we use your personal information we will notify you by posting the changes here on this Policy pages. Your continued access or use of this Site following the posting of changes, revision, alternation and/or modifications, signifies your acceptance of the updated, revised and/ or modified Policy.

DISCLAIMER

You understand and agree that you assume all responsibility and risk for your use of the Site, the internet generally, and the documents you post or access and for your conduct on and off the Site.

This Privacy Policy has been updated on February 12th 2019