Privacy Policy

Our website is an open platform:

What you are consenting to?

1. You acknowledge that you are not legally disqualified to provide information that you are providing and you are above the age of 18 years. The Platform is not intended for Users under the age of 18 years.
2. Please read detailed policy to carefully policies and practices affecting Your information.
3. By visiting this Platform you agree to be bound by the terms and conditions of the Policy.
4. If you do not agree please do not use or access Our Platforms.
5. You submission of Information on the Platform shall be deemed that grant to Us of the right to collect, store, process, handle, use and disseminate such Information, as per Privacy Policy.
6. You confirm that that the information or data provided by You and Our consequent storage, collection, usage, transfer, access or processing of the same shall not be in violation of any third party agreement, laws, judgments, orders or decrees.
7. You bear the sole responsibility that user information provided by you is and shall continue to be correct, true and updated and you have all the rights, permissions and consents to provide such information or data. We shall not be liable, for any reason whatsoever, for the authenticity of any user information provided by You to Us.
8. We may remove Your information from view and/or dissociate them from Your account profile, BUT WE MAY RETAIN INFORMATION ABOUT YOU FOR THE PURPOSES AUTHORIZED UNDER THIS PRIVACY POLICY UNLESS PROHIBITED BY LAW.

We use your information to make our services better:

How do we make your info work?

1. We use your information, Including but not limited, to
   • "Personal Data" including name, address, email address, alternate email address, mobile number, demographic profile (like your age, gender, occupation, education, address), social network profile, bank details, any unique identity or contact, financial and transaction data, bureau data etc.
   • "Sensitive Personal Data" that is the personal information including OTP (only for navigation purposes), Password (only for navigation purposes), PAN and Aadhar, Income details, bank account or credit or debit card, insurance, loan or other payment instrument details, biometric information, details of moveable & Immovable assets and any other information received under any of the above clauses by us for processing, storing or processing under lawful contract or otherwise.
   • "Public Information" that is any other information that is freely available or accessible on any public domain or social networking platform.
   • "User Inputs" that is the information provided by You such as ratings, reviews, tips, photos, comments, likes, bookmarks, friends, lists, etc. Please note that Your User Inputs are posted on and transmitted to others at Your own risk and we do not, in any way, approve the authenticity of such Inputs provided by you merely by the act of such posting and transmission.
2. Information gets collected directly or indirectly from You when You provide it to us and/or as You navigate through Our Platforms (information collected automatically may include usage details, IP addresses and information collected through cookies, web beacons and other tracking technologies) and/or through independent third party sources. Information also gets collected through cookies (small pieces of text sent to your browser by a website you visit) and log files (a digital data file that contains information about usage patterns, activities, and operations).
3. If You avail any services through Our Platforms, We may collect and store information about You to process Your requests and automatically complete forms for future transactions.
4. We would also receive information about You from other sources, including, without limitation, such as CIBIL, other Credit Bureaus, etc. through Our vendors, service providers, partners (such as payment gateway providers), agencies etc.

We collect some information about your

What is collected and how?

1. We collect information including
   • provide a smooth, safe and customized experience to User;
   • · diagnose technical problems, provide support and troubleshooting;
   • · participate in interactive features offered through the Platform;
   • · protect the safety and integrity of the Platform ;
   • · maintain the confidentiality of the User and their data;
   • · ensure smooth execution of transaction and payments;
   • · maintain, improve and provide Service (including personalization of Platform);
   • · detect and/or prevent any fraudulent/criminal/prohibited activity on the Platform;
   • · marketing and commercial communications regarding services/products ;
   • · send You surveys and marketing communications;
   • · facilitate Company's marketing, advertising and educational activities/initiatives;
   • · update regarding third party services and products offered on Our and other Sites;
   • · Notifying about new features and changes ;
   • · auditing and investigation purposes and data analysis/analytic of data sets provided ;
   • · prepare reports, review, etc.;
   • · pre-filling of various forms;
   • · maintain User Account;
   • · provide general information/updates;
   • · also use Your email address or other personally identifiable information to send commercial or marketing messages, updates about third parties' products and services with an option to subscribe / unsubscribe.
2. We share your information with affiliates, group companies, consultants, partners, associates, advertisers, service providers third parties, vendors and contractors and third party social websites for purposes including:
   • · to provide unrestricted services with due confidentiality ;
   • · to provide, advertise or market their legitimate products and/or services of interest to you ;
   • · to populate Your social wall that is visible to other people ;
   • · to enforce or protect Our rights or necessary to identify, contact or bring legal action ;
   • · to maintain security, operating Platforms, to enquire or protect from any fraud, hacking etc. ;
   • · to comply with the order of any public or statutory or judicial authorities or to comply with requirement of any law ;
   • · If the disclosure, in Our opinion, is necessary or appropriate to protect Our rights, property, or safety, customers or others ; and
   • · to grow Our business/ Platform and/ or help Us serve You and other customers better.
   Otherwise, We shall not disclose any Personal Information/Sensitive Personal Data to any external organization unless it has the consent of the provider, or are required by law or have previously informed the Provider.
3. If You avail any services through Our Platforms, We may collect and store information about You to process Your requests and automatically complete forms for future transactions.
4. We would also receive information about You from other sources, including, without limitation, such as CIBIL, other Credit Bureaus, etc. through Our vendors, service providers, partners (such as payment gateway providers), agencies etc.

Third Party Links have their own policies:

How does this work?

1. Personal information provided to Third Party Website/Links linked to Our website are not our property or responsibility and you must peruse and understand the privacy policies of such Website/Links.
2. Personal information provided to lenders who provide loans, merchants from which you avail services and social networks that you use in connection with Our services, but who are not managed, owned or controlled by Us, are also not our property or responsibility and you must peruse and understand the privacy policies of such lenders/merchants.

You can control your experience

How do you control your usage?

1. If You wish to review, change or delete personal information, or permanently delete Your account, please send us a written request (as identified on the ‘Contact Us’ page on the Platform).
2. Despite Your deletion of information, copies may remain viewable in cached and archived pages, or copied or stored by other users necessary to comply with legal obligations, disputes resolution, and enforcement of agreements or for other business purposes.
3. You may revoke your consent to the disclosure of any information only if the same is marked as "revocable". All other information shall be “non-revocable” and You shall not be able to revoke Your consent to it at any later time.

We function strictly as per Law

What are the legalese affecting your use?

1. You accept that Information (personal and financial) provided by you is stored by Us on servers owned by Us or our group companies or third parties in accordance with applicable laws.
2. We take appropriate security measures, at the minimum those mandated under the Information Technology Act, 2000 and applicable rules and regulations thereunder, to safeguard and protect your data and information against unauthorized access to or unauthorized alteration, disclosure or destruction of data.
3. All content on Our Platform, including graphics, text, icons, interfaces, audio clips, logos, images, reviews, comments and software is the property of the Company and/or its content suppliers and is protected by Indian and international copyright laws and other applicable intellectual property laws. Any use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content on this Platform can only be made with Our express written permission.
4. You shall not modify the paper or digital copies of any materials you have printed off or downloaded in any way on or from the Platform, or use for commercial purpose or use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
5. information submitted to Us through Our Platform when applying for a position with Us will be used to consider Your application. We may retain Your information for any period of time. This information may be shared with other companies for the purpose of evaluating Your qualifications for the particular position or other available positions, as well as with third-party service providers retained by Us to collect, maintain and analyze candidate submissions for job postings.
6. We will preserve the records as per applicable Laws and Regulations and for such period deemed fit.
7. We reserve the right to update, change, alter or modify this Policy, at our sole discretion.
8. We shall not be held responsible for any loss, damage or misuse of your Personal Information, if such loss, damage or misuse is attributable to a Force Majeure Event.
9. Privacy Policy governed by and construed as per laws of India with courts at Delhi having exclusive judicial jurisdiction.
10. All disputes to be adjudicated under Arbitration and Conciliation Act by a Sole Arbitrator.
11. We make no representation that the content contained on the Platform is appropriate or to be used or accessed outside of India.
12. We shall not be liable for any loss or damage that may cause or arise from or in relation to these terms and conditions or due to use of this platform.
13. You shall be obliged at all times to indemnify us for any losses due to your usage. We shall not be liable for any loss or damage caused to you due to your usage.
14. We make no warranties or representations about the accuracy or completeness of this Platform and contents hereof.
15. While every attempt has been made to ascertain the authenticity and validity of the content on the Platforms, We have no control over content, the accuracy of such content, integrity or quality of such content and the information on Our pages, and material on the Platforms may include technical inaccuracies or typographical errors, and We make no guarantees, nor can We be responsible for any such information, including its authenticity, currency, content, quality, copyright compliance or legality, or any other intellectual property rights compliance, or any resulting loss or damage.
16. We shall not be liable for any kind of damages, losses or action arising directly or indirectly due to any content, any errors or omissions, access and/or use, loss of data, revenue, profits, property, infection by viruses or other technologically harmful material due to your use of our platform or to your downloading of any content on it, or on any website linked to it, etc.

If you have questions, just ask

How to contact us?

Any complaints, abuse or concerns with regards to the use, processing and disclosure of Information provided by You or breach of these terms to be addressed to Our Grievance Redressal Officer (GRO) to be informed at :

E-MAIL: info@atoncap.com

CALL: +91-124-4140062

Calls may be recorded to aid accurate replies, research, training and/or quality purposes.