Introduction

95 Finserv is dedicated to safeguarding the privacy and security of all personal information provided by our users. This Privacy Policy outlines our commitment to protecting user data collected through our website, www.95Finserv.com, and its usage within our service offerings (referred to as the "Service"). For the purposes of this Policy, "personal information" refers to data that identifies a user, including but not limited to their name, address, phone number, PAN, AADHAAR, and email address.At 95 Finserv, we prioritize stringent privacy and security standards to mitigate risks such as identity theft. Our policies are regularly reassessed and adjusted to address emerging challenges effectively.

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Privacy Policy

Eligibility to Use the 95 Finserv Platform

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The 95 Finserv platform is designed for individuals aged 18 and above. By registering and utilizing our platform, users affirm that they are 18 years or older. By engaging with our platform, users explicitly consent to the Privacy Policy outlined in this document and on our website.

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Usage of Personal Information

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95 Finserv may utilize personal information to deliver the services requested by our users.

We pledge not to sell or lease any user's personal information under any circumstances. Personal information is used and disclosed by 95 Finserv as follows:

- To conduct customer due diligence (KYC) as mandated by regulatory authorities.
- To share borrowers' personal data with Credit Information Companies for credit rating assessment.
- To publish lists of platform participants (borrowers and lenders) in compliance with regulatory guidelines.
- To document loan agreements and obtain approval between involved parties.
- To analyze site usage and enhance service quality.
- To provide users with administrative notices, notifications regarding disbursements, contributions, and repayments.
- For market research, project planning, troubleshooting, and fraud detection.
- To engage third-party contractors who provide services to 95 Finserv and are bound by similar privacy restrictions.
- To enforce the Terms of Use set by 95 Finserv.
- As detailed in this Privacy and Security Policy.

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If a user accesses the Service through a co-branded URL provided by one of 95 Finserv's partners, their email address used for registration may be shared with that partner. 95 Finserv limits the collection and use of personal information.

While certain areas of 95Finserv.com are accessible without registration, other features may necessitate registration, involving the provision of Registration Information such as email address, password, user's address, and, for participation in forum boards, a username.

Occasionally, 95 Finserv may request additional personal information to offer users other benefits of the Service. Users will be given the option to provide or decline such information, which will only be used for the stated purpose. Anonymous or aggregate personal information may be disclosed for marketing and research purposes, ensuring individual user identities remain confidential.

Access to users' Registration Information, Account Credentials, and other personal data is strictly controlled and used in accordance with internal procedures and safeguards to operate, develop, or improve the Service. Individuals with access to this data are selected based on 95 Finserv's security policies and practices, bound by confidentiality obligations, and subject to disciplinary measures for non-compliance.

Third-party vendors or service providers may assist 95 Finserv in providing the Service, such as sending email messages on our behalf or hosting specific features. Contracts with these parties mandate appropriate use and handling of user information, prohibiting unrelated purposes. Third-party service providers must maintain the confidentiality of the information provided by 95 Finserv.

Updates to User's Registration Information

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Users can update their Registration Information at any time via the Service.

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Utilization of Online Session Information

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When users visit 95Finserv.com, technical and navigational information like browser type, IP address, visited pages, and session duration may be collected. This data helps identify and address software compatibility issues and enhances website design and functionality.

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Cookies and Web Beacons

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Cookies, stored as alphanumeric identifiers on users' computers, may be set and accessed by 95 Finserv to track and store user preferences. While users can manage cookie settings, disabling them may impair Service functionality. 95 Finserv encodes cookies to ensure data interpretation is exclusive to us.Web beacons, embedded in web pages or emails, assist in measuring and analyzing site usage. 95 Finserv and authorized third-party service providers may utilize web beacons to enhance Service performance.

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Forums and Other Interactive Features

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Users should be cautious when submitting information in forums hosted by 95 Finserv or third-party service providers, as it may be accessible to other users and could result in unsolicited messages. Contests, Giveaways, and Surveys Information submitted in connection with contests, giveaways, or surveys will be treated in accordance with this Privacy Policy, except as outlined in specific rules governing such activities.

 

Disclosure of User Information

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95 Finserv reserves the right to share or disclose user information to protect our rights or comply with legal obligations, including enforcement of our policies or in response to legal processes.

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Transfer of User Data

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In the event of a change in control, user data may be transferred to a third party. Users will have the option to opt out of receiving promotional information following such changes.

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User Control Over Data

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Users have the right to request the deletion of their account data. Upon request, 95 Finserv will permanently expunge data from primary production servers. However, aggregate data derived from user information may be retained indefinitely for operational purposes.

 

Email Communications

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95 Finserv sends registered users monthly contribution summaries and allows subscription to email newsletters. Users can opt out of promotional emails while still receiving transactional and essential updates.

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User Responsibilities for Login Credentials

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Users are responsible for maintaining the confidentiality and security of their login credentials. Passwords should be periodically changed and kept private. Users must promptly report any suspected security breaches to 95 Finserv.

 

Policy Updates and Enforcement

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This Privacy and Security Policy is periodically updated, with changes taking immediate effect upon posting. All employees and authorized third parties are expected to comply with this policy, subject to monitoring and disciplinary action for violations.

Addressing User ConcernsUsers can direct questions, concerns, or feedback regarding this Policy or any privacy or security issues to compliance@95Finserv.com.

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Enforcement 

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All 95 Finserv employees and authorized third parties are required to comply with this policy and will be monitored by the IT department and Information Security Team. Violations may result in disciplinary action, including termination.This policy will be reviewed annually to ensure compliance and effectiveness.