Privacy policy

 

We are YeLo, a Finance & Technology (FinTech) venture by Team YeLo . At YeLo, we value your trust & respect your privacy. This Privacy Policy provides you with details about the manner in which your data is collected, stored & used by us. You are advised to read this Privacy Policy carefully. By downloading and using the YeLo application/ website/WAP site you expressly give us consent to use & disclose your personal information in accordance with this Privacy Policy. If you do not agree to the terms of the policy, please do not use or access YeLo.

Note: Our privacy policy may change at any time without prior notification. To make sure that you are aware of any changes, kindly review the policy periodically. This Privacy Policy shall apply uniformly to YeLo applications, desktop website & mobile WAP site.

Your use of the app and any disputes arising therefrom, is subject to this Privacy Policy as well as the terms and conditions, as set out below (“T&C”).

Please read the T&C (Terms and Conditions) in order to obtain information on the terms governing the use of our App and our services.

 

Terms and Conditions:

 

Content

YeLo strives its best to give the Users the latest data available for the services: from banks and offer(s) available online.

While we are an expert data acquisition and control team, all this data is subjected to third party(s) and may change according to their discretion.

YeLo won't be liable, and henceforth, won't entertain any implicit/ explicit  allegations made by users on such data like -  Information related to credit cards, Bank loans, Offers, etc.  (i.e. - Any data subjected to third parties)

 

General

Any email(s) and/or SMS(s) sent by YeLo will only be in connection with the provision of agreed services & products and this Privacy Policy.

Periodically, we may reveal general statistical information about YeLo & its users, such as number of visitors, number and type of goods and services purchased, etc.

We reserve the right to communicate your personal information to any third party that makes a legally-compliant request for its disclosure.

 

Personal Information

Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as name, address, mailing address, telephone number, email ID, credit card number, cardholder name, card expiration date, information about your mobile phone, DTH service, data card, electricity connection, Smart Tags,government identity proofs and any details that may have been voluntarily provide by the user in connection with availing any of the services on YeLo.

When you browse through YeLo, we may collect information regarding the mobile/ tab device details, domain and host from which you access the internet, the Internet Protocol [IP] address of the computer or Internet service provider [ISP] you are using, and anonymous site statistical data.

 

Use of Personal Information

 

We use personal information to provide you with services & products you explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, collect money, measure consumer interest in our services, inform you about offers, products, services, updates, customize your experience, detect & protect us against error, fraud and other criminal activity, enforce our terms and conditions, etc.

We also use your contact information to send you offers based on your previous orders and interests.

We may occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, gender, etc.). We use this data to customize your experience at YeLo, providing you with content that we think you might be interested in and to display content according to your preferences.

 

Cookies

A "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. YeLo uses cookie and tracking technology depending on the features offered. No personal information will be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

 

Links to Other Sites

Our site links to other websites that may collect personally identifiable information about you. YeLo is not responsible for the privacy practices or the content of those linked websites.

 

Security

YeLo has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure, thus, we cannot guarantee its absolute security. If you have any questions about security on our Mobile App and/or Mobile Site, you can contact us at developers.appli@gmail.com

 

Consent

You while providing the details/documents over the Website, including but not limited to Personal Information as mentioned hereinabove, expressly consent to YeLo (its affiliates and business partners) to contact you, to make follow up calls in relation to the services provided through the Website, for imparting product knowledge, offering promotional offers running on Website & various other offers offered by its partners on the Sites.

The usage of the Website may also require you to provide consent for keying in/ uploading your Personal Information and Sensitive Information (including but not limited to user ids and passwords), as may be necessary to process your application through the Website. Sensitive information keyed in/ uploaded shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you.

You hereby authorize and expressly consent us to share your demographic and Personal Information with third parties including but not limited to Credit Information Companies to do an aggregate check of your credit profile and for YeLo to send you targeted communications and offers by agreeing to the Terms of Use while accessing the Website. You hereby also consent YeLo to procure credit information and indicative scores from the credit information companies on your behalf.

If you are no longer interested in sharing your Personal and Sensitive Information, please e-mail your request at: developers.appli@gmail.com. Please note that it may take about 72 business hours to process your request. In furtherance to your usage of the Website, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you for this purpose. Hence, there is no DNC / DND check required for the number you have left on our Website. Such modes of contacting you may include sending SMSs, email alerts and / or telephonic calls.

YeLo reserves the right (and you expressly authorize YeLo) to share or disclose your Personal Information/ Sensitive Information when YeLo determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.

 

OPT-OUT:

In case you do not want to be disturbed over telephonic calls, kindly fill up the details requested under this section below, including the details of the telephone number(s) on which you do not wish to be contacted and submit the same at developers.appli@gmail.com from your email address registered at YeLo. The details that you provide through the opt-out email will remain confidential and once you have submitted the same to us, your telephone number(s) will be removed from all our telemarketing calling lists within 15 working days. We will make every effort to ensure that you do not get any further telemarketing calls on such telephone number(s). The details to be submitted for opting-out shall be as below:

Title

Full name

Country

State

City

Pincode

Email

Mobile No.

 

PURPOSE AND USAGE:

We will be sharing your Personal Information/ Sensitive Information with our affiliates and business partners including credit information companies, where we feel that you will be assisted better for the purpose of underwriting and approval of your credit card, loan and approving investment in Mutual Fund or any other financial product transaction/related transaction or for doing an aggregate check of your credit profile on your behalf and ending you targeted communications and offers. YeLo uses the information collected and appropriately notifies you to manage its business and offer an enhanced, personalized online experience to you on its Website. By registering on the Website, you authorize YeLo to send texts and email alerts to you and any other service requirements, including promotional mails and SMSs Further, it enables YeLo to:

analyse usage of the Website and to improve the Service;

send you any administrative notices, offer alerts and communications relevant to your use of the Service

enable you to apply for certain products and services for which you have chosen to apply;

carry market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;

bind third-party contractors that provide services to YeLo and are bound by these same privacy restrictions;

Comply with all applicable laws and regulations;

enforce YeLo Terms of Use.

In the event that you access the Service as brought to you by one of our partners either through the Website or on being redirected from a co-branded URL otherwise referred to as a white-label site, your name, e-mail address, mobile number, date of birth, employment type, residency status, income details/proofs, Form 26 AS, PAN, details of loan / credit card/ Mutual Fund applied for and loan, credit card and Mutual Fund status or any other financial product status as may be provided to that partner when your application is submitted and whenever the status of application is updated. YeLo has a business relationship with these partners and you may not opt-out of sharing your information with these partners if you have applied via a co-branded URL or directly through the Website as the case may be.

 

For availing the Service such as applying for a loan, credit card, Mutual Fund or any other financial product we will require you to provide/upload on the Website the details such as a your name, parentage, marital status, email address, nationality, location, mobile number, PAN, employment & income details/proofs, Form 26 AS, recent photograph, signature image, other Know Your Customer (KYC) documents like address proof, identity proof and personally identifying information about a potential co-loan applicant (should you select this option), and to participate on our forum boards, a username (collectively the "Registration Information").

 

You may opt out of location based services at any time by editing the setting of your browser.

 

In order to provide your bank statement or pay slip electronically along with your loan application, you also must provide your third-party account credentials ("Account Credentials") to allow YeLo to retrieve your account data at those other financial institutions ("Account Information") for your use. Your Account Credentials are only used once to retrieve your bank statements/pay slips, Form 26 AS and are not stored in our system. However, YeLo shall not be liable to you against any liability or claims which may arise out of such transactions being carried on your own accord.

 

We may also use third party service providers to provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your Personal Information for purposes unrelated to the product or service they're providing. We require such third parties to maintain the confidentiality of the information provide to them.

 

DISCLOSURE / SHARING:

YeLo does not disclose sensitive personal data or Personal Information including SI of a customer except as directed by law or as per mandate received from the customer / applicant. Upon your written request YeLo will provide you with information on whether we hold any of your personal information. No specific information about customer accounts or other personally identifiable data is shared with non-affiliated third parties unless any of the following conditions is met:

To help complete a transaction initiated by you

To perform support services through a third party service provider, provided it conforms to the Privacy Policy of the YeLo and your prior consent to do so is obtained

You have specifically authorized it

The disclosure is necessary for compliance of a legal obligation or as required by law, such as to comply with a subpoena, or similar legal process

The information is shared with Government agencies mandated under law

The information is shared with any third party by an order under the law

When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

There are number of products/services such as loans, credit cards, mutual funds, offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies. YeLo is not responsible for their privacy policies.

 

 

TERMS & CONDITIONS

Welcome to the mobile application (“Mobile App”) and/or mobile site (“Mobile Site”) owned and operated by YeLo.

 

 

Before you may use the Mobile App and/or Mobile Site, you must read all of the terms and conditions (“Terms”) herein and those provided in the Privacy Policy. By downloading the Mobile App and/or using the services offered by the Mobile Site (“Services”), you understand and agree that YeLo will treat your use of the Services as acceptance of these terms from such point of usage. You may not use the Services if you do not accept the Terms. If you do not agree to be bound by these Terms and the Privacy Policy, you shall not use the Mobile App/Mobile Site in any way. It is strongly recommended for you to return to this page periodically to review the most current version of the Terms.

 

YeLo reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms without prior notice, and your continued access or use of the Mobile App/Mobile Site signifies your acceptance of the updated or modified Terms. If you object to these Terms or any subsequent modifications to these Terms or become dissatisfied with the Mobile App and/or Mobile Site in any way, your only recourse is to immediately terminate use of the same.

 

Proprietary rights

You acknowledge and agree that YeLo owns all rights, title and interest in and to the Mobile App and the Mobile Site, including any intellectual property and/or proprietary rights which may subsist in the Services (whether registered or not) offered through the Mobile App/Mobile Site. You further acknowledge that the Services may contain information which is designated confidential by YeLo and that you shall not disclose such information without YeLo' prior written consent.

YeLo grants you a limited license to access and make personal use of the Mobile App and/or Mobile Site and the Services. This license does not confer any rights to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Mobile App/ Mobile Site and the Services.

You do not have the right to use any of YeLo' trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Mobile App/Mobile Site and the Services. You will not copy or transmit any of the Services.

 

Usage of the Mobile App/Mobile Site

The Mobile App and Mobile Site are intended for personal and non-commercial use. You may access, download and use the Mobile App and/or Mobile Site, only if you are above the age of 18 and can enter into binding contracts. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Mobile App and/or Mobile Site by you and anyone using your password and login information (with or without your permission).

You also agree to provide true, accurate, current and complete information about yourself as prompted by the Mobile App/Mobile Site. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or YeLo has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, YeLo has the right to suspend or terminate your account and refuse any and all current or future use of the Mobile App/Mobile Site (or any portion thereof) or the Services in connection thereto.

By making use of the Mobile App/Mobile Site, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the products and/or Services that you may have selected. You hereby agree that YeLo may contact you either electronically or through phone, to understand your interest in the selected financial products and/or Services and to fulfil your demand or complete your application.

You specifically understand and agree that by using the Mobile App and/or Mobile Site you authorize YeLo and its affiliates, business/non-business partners to contact you for any follow up calls in relation to the products and/or Services provided through the Mobile App/Mobile Site. You expressly waive the Do Not Call/Do Not Disturb registrations on your phone/mobile numbers for contacting you for this purpose.

You also agree that YeLo reserves the right to make your details available to its partners and you may be contacted by such partners for information and for sales through e-mail, telephone and/or SMS. You agree to receive promotional materials and/or special offers from YeLo through e-mails or SMS.

The usage of the Mobile App/Mobile Site may also require you to provide consent for keying in your personal information (“PI”) (including but not limited to user ids and passwords etc.), as may be necessary to process your application through this Mobile App/Mobile Site. PI keyed in shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you. YeLo adheres to best industry practices of information security, data protection and privacy law while processing such applications and the PI interface where key-in of PI is required shall not be stored. Please refer to our Privacy Policy for more details. YeLo shall not be liable to you against any liability or claims which may arise out of such transactions.

You may only use the Mobile App/Mobile Site to search for and to apply for loans, mutual funds, credit cards or other financial products as may be displayed on the Mobile App/Mobile Site from time to time and you shall not use the Mobile App/Mobile Site to make any fraudulent applications. You agree not to use the Mobile App/Mobile Site for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Since the Mobile App/Mobile Site is in operation in India, while using the Mobile App/Mobile Site, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Mobile App/Mobile Site.

You are prohibited from posting or transmitting to or through this Mobile App/Mobile Site: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Mobile App/Mobile Site.

 

Privacy policy

By downloading/accessing the Mobile App and/or Mobile Site, you hereby consent to the use of your information as we have outlined in our Privacy Policy.

Our partners

Display of loan, mutual funds, credit card or other financial products, offered by third parties on the Mobile App/Mobile Site does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of YeLo against such third parties or their products. You agree that YeLo is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Mobile App/Mobile Site is at your own risk, and YeLo will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

You agree and acknowledge that the credit shall be at the sole discretion of YeLo’s financial partners (lenders, credit card companies, mutual fund companies) while making any application through the Mobile App/Mobile Site for a financial product offered by such financial partners; YeLo shall not be held liable for any delay, rejection or approval of any application made through its Mobile App/Mobile Site.

 

Disclaimer of warranty

The Mobile App/Mobile Site and all content and Services provided on the Mobile App/Mobile Site are provided on an "as is" and "as available" basis. YeLo expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. YeLo makes no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) the Mobile App/Mobile Site will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Mobile App/Mobile Site or the Services offered through the Mobile App/Mobile Site will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the Mobile App/Mobile Site will meet your expectations.

Limitation of liability

YeLo (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Mobile App/Mobile Site), or (ii) any use of the Mobile App/Mobile Site or content, or (iii) the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Mobile App/Mobile Site or your downloading of any content from the Mobile App/Mobile Site.

The Mobile App/Mobile Site may provide links to other third-party websites. However, since YeLo has no control over such third-party websites, you acknowledge and agree that YeLo is not responsible for the availability of such third-party websites and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such third-party websites. You further acknowledge and agree that YeLo shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third-party websites.

Indemnity

You agree to indemnify and hold YeLo (and its officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the Mobile App/Mobile Site.

 

Additional terms

You may not assign or otherwise transfer your rights or obligations under these Terms. YeLo may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches.

Other terms and conditions may apply to loans, mutual funds, credit cards or other financial products that you may apply on the Mobile App/Mobile Site. You will observe these other terms and conditions. The laws of the India, without regard to its conflict of laws rules, will govern these Terms, as well as your and our observance of the same. If you take any legal action relating to your use of the Mobile App/Mobile Site or these Terms, you agree to file such action only in the courts located in Chennai, India. In any such action that we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees.

You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement.