In order to facilitate various processes of educational institutions, we may collect the following types of information from you:
We, Entritt Solutions Private Limited(Company; We; Us; Our) Have Developed a Web and Mobile Application Called Izzpay (Application/ App) Through Which You May Apply for a Short Term Loan (Loan) , Education Loan , Home Loan , Car Loan , Business Loan to Be Granted by Various Non-banking Financial Company or Banks (Lender), Based on the Loan Agreement Executed Between You and Lender. Lender Has Appointed and Authorized Us to Collect, Store, Authenticate, Verify and Distribute the Personal Information (Defined Below) as May Be Required by Lender to Sanction the Loan. The Personal Information Shall Be Collected Through the Web and Mobile Application Form (Mobile Application Form) Available on the Application.
In order to avail the services, you are required to register with the company by logging in through third party platforms (defined below) (user account). During the application process, you shall be required to share/upload certain personal information, your name, e-mail address, gender, date of birth, mobile number, passwords, photograph, mobile phone information including contact numbers, sms and browsing history, data and login-in credentials of third party platforms (defined below), financial information such as bank documents, salary slips, bank statements, pan card, bank account no., data from credit information companies, data required for know your customer compliances, requirement and other relevant details (personal information). You undertake that you shall be solely responsible for the accuracy and truthfulness of the personal information you share with us.
As part of the services, you authorize us to import your details and personal information dispersed over third party platforms. Third party platforms are social networking platforms, such as facebook, linkedin and other similar platforms.
You understand and acknowledge that the company reserves the right to track your location (track) during the provision of the services, and also in the event that you stop, cease, discontinue to use or avail the services, through the deletion or uninstallation of the mobile app or otherwise, till the event that your obligations to pay the outstanding amount(s) to lender, exist. Deletion, uninstallation, and/or discontinuation of our services, shall not release you from the responsibility, obligation and liability to repay the outstanding amount(s).
We do not sell, rent, lease your personal information to anybody and will never do so. Keeping this in mind, we may disclose your personal information in the following cases:
Notwithstanding anything mentioned hereinabove, the company shall not be responsible for the actions or omissions of the service providers or parties with whom the personal information is shared, nor shall the company be responsible and/or liable for any additional information you may choose to provide directly to any service provider or any third party.
We will retain your personal information for as long as your registration with us is valid and the outstanding amount(s) is due and payable to lender. We may also retain and use your personal information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Subject to this section, we will try to delete your personal information upon reasonable written request for the same. Please note, however, that there might be latency in deleting personal information from our servers and backed-up versions might exist even after deletion.
We value your personal information, and protect it on the platform against loss, misuse or alteration by taking extensive security measures. In order to protect your personal information, we have implemented adequate technology and will update these measures as new technology becomes available, as appropriate. All personal information is securely stored on a secure cloud setup and all communication happens via bank-grade secure ssl communication channels. The personal information is stored on google cloud. Although we provide appropriate firewalls and protections, we cannot warrant the security of any personal information transmitted as our systems are not hack proof. Data pilferage due to unauthorized hacking, virus attacks, technical issues is possible and we take no liabilities or responsibilities for it.
You are responsible for all actions that take place under your user account. If you choose to share your user account details and password or any personal information with third parties, you are solely responsible for the same. If you lose control of your user account, you may lose substantial control over your personal information and may be subject to legally binding actions.
In case you need to access, review, and/or make changes to the personal information, you shall have to login to your user account and change the requisite details. You shall keep your personal information updated to help us better serve you.
We may provide you with certain ancillary services such as chat rooms, blogs and reviews for the services. Subject to any applicable laws, any communication shared by you via the platform or through the blogs, reviews or otherwise to us (including without limitation contents, images, audio, financial information, feedback etc. Collectively feedback) is on a non-confidential basis, and we are under no obligation to refrain from reproducing, publishing or otherwise using it in any way or for any purpose. You shall be responsible for the content and information contained in any feedback shared by you through the platform or otherwise to us, including without limitation for its truthfulness and accuracy. Sharing your feedback with us, constitutes an assignment to us of all worldwide rights, titles and interests in all copyrights and other intellectual property rights in the feedback and you authorize us to use the feedback for any purpose, which we may deem fit.
You expressly understand and agree that the company shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, information, details or other intangible losses (even if the company has been advised of the possibility of such damages), resulting from: (I) the use or the inability to use the services; (ii) unauthorized access to or alteration of your personal information.
You expressly understand and agree that the company, including its directors, officers, employees, representatives or the service provider, shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if the company has been advised of the possibility of such damages), resulting from; (a) use or the inability to avail the services (b) inability to use the platform (c) failure or delay in providing the services or access to the platform (d) any performance or non-performance by the company (e) any damages to or viruses that may infect your electronic devices or other property as the result of your access to the platform or your downloading of any content from the platform and (f) server failure or otherwise or in any way relating to the services.
This agreement shall be construed and governed by the laws of india and courts of law at pune shall have exclusive jurisdiction over such disputes without regard to principles of conflict of laws.
When you visit our "website", we will ask you to sign up for a Izzpay.com account. Here, we ask you for personal information such as your name, email address and an account password, contact information, Pin code etc. as may appear on the website.
The Information is primarily collected to facilitate your interaction with a specified Institute, such as filling out a specific college admission application, requested by you. It also helps you to interact with institute to clarify your queries.
Further, it enables you to submit in a convenient and efficient manner any information that is likely to be needed when you complete college admission, financial aid and other applications and forms made available through our website.
The information submitted is kept Confidential by ensuring appropriate technological support. Your information is being retained by us on behalf of the Educational institute for admission and other misc. purposes.
As Izzpay.com is a facilitator in the Online Admissions process, your request in respect of admissions will involve a transfer of data. Such data related to your request or query will be made available to the institution or recipient you opt or choose or designate or to a service provider assisting us in completing that task.
Therefore, your personal information is collected and provided to the designated recipient for the purposes of facilitating your admissions by:
Filing and submitting online applications for admission with Institute specified by you or for Filing and submitting financial aid applications to the designated recipient. Your personal data required to complete that application will be provided on your behalf to the admissions office of the institution to which you are applying.
Your request to any educational institution for brochure or prospectus or any other material, will entail your contact information to be sent to that institution.
Except as provided herein, personal data that you enter on the website, is not made available or distributed to third parties, except with your express consent. We will not give, sell or provide access to your personal information to any company, individual or organization for its use in marketing or commercial solicitation or for any other purpose, except with your express consent, as is necessary for the operation of this site.
We also ask you for other information such as preferences and interests, which is optional. You may choose not to enter such information apart from what may be necessary for the purpose of Izzpay.com. If you voluntarily submit any additional information, we have your deemed free consent to use or share such information for the purpose of marketing or commercial solicitation.
Additionally, for the purpose of payment, you may be requested for credit card or other payment account information which is directly submitted to the Payment Gateway. We do not maintain any data submitted for the purpose of effecting payment. In case of any dispute discrepancy, you are requested to directly contact your Credit Card Company and the Payment Gateway Company.
We may combine the information you submit under your account with information from other Izzpay.com services or third parties in order to provide you with a better experience and to improve the quality of our services.
Izzpay.com only shares personal information with other companies or individuals outside of Izzpay.com in the following limited circumstances:
We have your free consent.
We may share with third parties certain pieces of aggregated, non-personal information, such as the number of users who searched for a particular term, for example, or how many users clicked on a particular advertisement. Such information does not identify you individually.
We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data. However, Izzpay shall not be responsible in any manner whatsoever if the login or user id and/or password is shared and/or leaked by the user.
We restrict access to personal information to Izzpay employees, vendors, contractors and agents who need to know that information in order to operate, develop or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.
We make good faith efforts to provide you with access to your personal information and either to correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required.
When you access Izzpay.com, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.
Our website may contain links to other websites. Note that once you click these links to navigate away from our site, we do not have any control over the contents of the external sites. We will not be held responsible for the protection and privacy of any information which you provide to these sites and they will not be governed by this privacy statement. We encourage you to exercise caution and look at the privacy statement of such websites.
When you use IzzpayWallet or use our related services, we collect information sent to the operation system by your computer, mobile phone or other access device. The information sent to us may include data on the pages you access, your computer IP address, device identifiers, the type of operating system you are using, your location, mobile network information, standard web log data and other information. IzzpayWallet web log and application data may include the browser type and/or mobile devices you are using and traffic to and from the application and/or IzzpayWallet. When you use IzzpayWallet or use our related services, we also collect information about your transactions and your activities.
In addition, if you use IzzpayWallet or related services, we may collect the following types of information: a. Contact information, such as your name, address, mobile number, email and other similar information. b. Detailed personal information such as your date of birth or national ID number.
We may also obtain information about you from third parties such as credit bureaus and identity verification services.
In order to help protect you from fraud and misuse of your personal information, we may collect information about your use and interaction with the IzzpayWallet provided by us. For example, we may evaluate your computer, mobile phone or other access devices to identify any malicious software or activity.
We may also collect additional information from or about you in other ways, such as through contact with our customer support team, results when you respond to a survey and from interactions with other websites and services offered by us.
When you access IzzpayWallet or related services, we (including companies we work with) may place small data files on your computer or other devices. These data files may be cookies, pixel tags, cache, “Flash cookies,” or other local storage provided by your browser or associated applications (collectively “Cookies”). We shall use these technologies to; recognize you as a customer; customize IzzpayWallet related services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across our services.
We use both session and persistent Cookies. Session Cookies expire and no longer have any effect when you log out of your account or close your browser or your wallet application on your mobile devices. Persistent Cookies remain on your browser or application until you erase them or they expire.
We encode our Cookies so that we can interpret the information stored in them. You are free to decline those Cookies if your browser or browser add-on permits, but doing so may interfere with your use of the Cards website and our related services. Refer to the help section of your browser, browser extensions, or installed applications for instructions on blocking, deleting, or disabling Cookies.
Throughout this policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user. We store and process your personal information on our servers in Asia, Europe and elsewhere in the world where our facilities are located. We shall protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards are firewalls and data encryption, physical access controls to data centers, and information access authorization controls. These are assured via compliance and certification to industry and regulatory standards by internal audit and via independent third parties.
The primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. Your personal information may be used to: a. Provide IzzpayWallet and related services and customer support; b. Process transactions and send notices about your transactions; c. Resolve disputes, collect fees, and troubleshoot problems; d. Prevent potentially prohibited or illegal activities, and enforce the Terms and Conditions; e. Customize, measure, and improve IzzpayWallet and related services and the content, layout, and operation of our websites and applications; f. Deliver targeted marketing, service update notices, and promotional offers based on your communication preferences; g. Contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging, as authorized by the IzzpayWallet Terms and Conditions; h. Compare information for accuracy and verify it with third parties.
We shall not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your information with information we collect from other companies and use it to improve and personalize IzzpayWallet and related services, content, and advertising. We may call or send a text message (SMS) to you at a mobile phone number that you have provided. If you do not wish to receive marketing communications or participate in ad-customization programs, simply indicate your preference by following the directions that may be provided within the communication or advertisement.
To process your payments or other transactions, we may share some of your personal information, including your contact information, date of sign-up, and the number of transactions you have conducted, with the person or company that you are conducting transactions with. In addition, this and other information may also be shared with third parties when you use these third parties to access and use IzzpayWallet and related services. Unless you have agreed to it, these third parties are not allowed to use this information for any purpose other than to enable Cards and related services.
If you are buying goods or services and pay through IzzpayWallet we may also provide the Merchant with your shipping and billing address to help complete your transaction. The Merchant is not allowed to use this information to market its services to you unless you have agreed to it. If an attempt to pay your Merchant fails, or is later invalidated, we may also provide your Merchant with details of the unsuccessful transactions.
a. Our subsidiaries and affiliates – to provide joint content, products, and services (like registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of policies, and to guide decisions about products, services, and communications. Our subsidiaries and affiliates shall use this information to send you marketing communications only if you have requested their services.
b. Service providers under contract who help with our business operations such as fraud prevention, bill collection, marketing, and technology services. These contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
c. Financial institutions that we partner with to jointly create and offer a product. These financial institutions may only use this information to market Cards-related products unless you have given consent for other uses.
d. Credit bureaus and collection agencies to report account information, as permitted by law.
f. Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal processes or requirements applicable to us or one of our affiliates; when we need to do so to comply with any law and/or rules; or when we believe, at our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of the Terms and Conditions.
You can review and edit your personal information at any time by logging into your account and reviewing your account settings and profile or by calling Customer Service number provided on our website from time to time. You can also close your account by calling Customer Service. If you close your Cards and IzzpayWallet, we shall mark your account in our database as “Closed” but may retain personal information from your account as required by laws and/or to collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, prevent fraud, enforce the Terms and Conditions, or take other actions as required or permitted by law.
For wallet registration or transactions within the EU, data subjects have the following rights:
Your role in safeguarding your Personal Data and Account Information You are responsible for keeping your account information and password confidential. Failure to do so exposes you to the risks of fraud and loss. Izzpay will not be responsible for losses suffered by customers as a result of:
a. Input errors or misuse of Cards and IzzpayWallet’s services.
b. Negligent handling or sharing of your Password.
c. Leaving a computer or mobile device unattended during an online session.
d. Failure to immediately report known incidents of unauthorized account access.
We strongly recommend that you observe the following best privacy and security practices at all times:
a. Managing your Personal Data and Account Information and Password.
b.Your Personal Data and Account Information and Password identify you when you use our services. If any of these become invalid or ceases to be effective, it is imperative that you inform us by calling the Customer Service number for the respective services.
c. Ensure that no one can see your Password when you log into our system.
d. Ensure that you keep your Password confidential at all times and do not divulge it to anyone.
e. Do not allow anyone (without exception) to use your Personal Data and Account Information and Password, as you are responsible for all transactions undertaken with your Personal Data and Account Information and Password.
f. Do not base your password on your Personal Data and Account Information such as your telephone number, birth date or the like.
g. Memorize your Password and do not record it anywhere.
h. Change your Password regularly.
i. Do not use the same character more than twice for your Password.
j. Do not recycle your recently used Password.
k. Change your Password IMMEDIATELY if you suspect that someone knows it.
l. The same Password should not be used for different websites, applications or services particularly when they relate to different entities.
m. Do not select the option on your browser for storing or retaining user name and Password.
Take precautions against your security code keystrokes being captured Exercise the necessary precautions to protect your personal computer against viruses and other malicious programs. Aside from damaging and/or destroying data, viruses and malicious programs can capture your Password keystrokes and other personal information and send them to another person without your consent. Precautions that you can take include the following:
a. Ensure that you install an effective personal firewall as well as anti-virus, anti-spyware and anti-Trojan-horse software. These should be updated regularly.
b. Do not download any software from a website that is of doubtful origin.
c. Do not open any email or attachment that is from a source unknown to you. When in doubt, delete such email without opening it.
Inform us immediately of suspected invasion of your privacy or of unauthorized transactions.
If you suspect that your privacy has been invaded or that your account(s) has/have been accessed by unauthorized persons, please change your Password immediately and contact us by calling Customer Service. Check your transaction records to see if any transaction has been performed without your authorization. Should there be any unauthorized or unusual transactions, please notify us immediately. c. You should check your transaction records regularly and notify us promptly of any errors. At the minimum, you should check your transaction records at least once at the beginning of each month.
You can send email to support@Izzpay.com with Subject line: unsubscribe to unsubscribe from the mailing list
Address: Entritt Solutions Pvt. Ltd, GR Tower, 3rd floor,Plot D-258, Phase 8-A, Industrial Area, Mohali, Punjab 160070
I hereby agree that the information given is true, accurate and complete as of the date of this application submission. *
I authorize prospective Credit Grantors/Lending/Leasing Companies to obtain personal and credit information about me from my employer and credit bureau, or credit reporting agency, any person who has or may have any financial dealing with me, or from any references I have provided. This information, as well as that provided by me in the application, will be referred to in connection with this lease and any other relationships we may establish from time to time. Any personal and credit information obtained may be disclosed from time to time to other lenders, credit bureaus or other credit reporting agencies. *