GENERAL
a) This document is an electronic record under the Information Technology Act, 2000, and rules thereunder, as applicable. It is generated by a computer system and does not require physical or digital signatures.
b) This document complies with Rule 3(1) of the Information Technology (Intermediaries Guidelines & Digital Media Ethics Code) Rules, 2021, which mandates the publishing of rules, regulations, privacy policies, and terms of use for access or usage of https://www.unicusloans.com.
c) The domain https://www.unicusloans.com (the “Website”) is owned and operated by Unicus Fintech Solutions Private Limited (“Company”), a private company limited by shares incorporated under the Companies Act, 2013, with its office at Office No. 3, Sr No. 6/2/1 Mohammadwadi, Pune, Pune City – 411060.
d) Definitions:
i) You/User: Refers to any person accessing or using the Website, who is competent to enter into binding contracts as per the Indian Contract Act, 1872.
ii) We/Us/Our: Refers to the Company and/or the Website.
iii) Parties: Refers to the User and the Company collectively.
e) Section headings are for organizational purposes only and do not affect the interpretation of this Policy.
f) Use of the Website signifies the User’s acceptance of this Privacy Policy and the Terms of Use.
g) The Company reserves the right to modify this Policy and will publish updates on https://www.unicusloans.com. Users are advised to periodically review the Policy for updates.
COLLECTION OF PERSONAL AND OTHER INFORMATION
a) The Company collects personal information provided by the User, such as name, email, contact details, and KYC documents.
b) The Website may automatically track certain User information, such as IP addresses and browsing behavior, to enhance user experience.
c) Information shared in public areas of the Website (e.g., reviews, feedback) may be retained and used by the Company.
d) Data collected through surveys or reviews may be published with the User’s consent.
COOKIES
a) The Website uses cookies to improve user experience. Users may disable cookies via browser settings, but some features may be inaccessible.
DIVULGING/SHARING OF PERSONAL INFORMATION
a) The Website may share User information with affiliates to enhance services and prevent fraudulent activities.
b) Personal information may be disclosed if required by law.
c) In the event of a merger, acquisition, or restructuring, User information may be shared with the new entity.
APP PERMISSIONS
a) Camera: Required for capturing partner KYC documents.
b) Location: Required to ensure proper services for home loan facilitation.
SECURITY
Transactions are encrypted to protect User information. Credit and debit card details are handled by authorized payment gateways and not stored by the Company.
THIRD-PARTY ADVERTISEMENTS / PROMOTIONS
The Website may display third-party advertisements. Users should review the privacy policies of linked websites before sharing personal information.
USER CONSENT
By using the Website, the User consents to the collection, use, and sharing of their information as outlined in this Policy.
GRIEVANCE OFFICER
Name: Mr. Gaurav Awasthy
Email: contact@unicusloans.com
DISPUTE RESOLUTION AND JURISDICTION
Disputes will be resolved through mediation or arbitration, as detailed in this Policy. Jurisdiction lies exclusively with the courts in Delhi, India.
DISCLAIMER
The Website provides information from banks, NBFCs, insurance companies, and credit rating agencies as a convenience. Users are advised to independently verify information before making decisions.
