Access to any Platform is subject to the Terms and Conditions (Terms) accessible on that Platform.
We, Social Worth Technologies Private Limited (Company; We; us; our) have an in-house Digital Lending App (“DLA”) called Fibe (Formerly known as EarlySalary) (Application/ App), through which you may apply for a loan (Loan) to be granted based on the loan agreement executed between you and Lending Partners. You (customer) authorized us to collect, store, authenticate, verify and distribute the Personal Information (defined below) as may be required to sanction the Loan. The Personal Information shall be collected through the 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 (User Account) for the purpose of this Policy. Services shall mean the services of facilitating the lending of loans, through the Platform.
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, SMS and browsing history, data (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.
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) exist. Deletion, uninstallation of the DLA, and/or discontinuation of our Services, shall not release you from the responsibility, obligation and liability to repay the Outstanding Amount(s).
You further understand and acknowledge that provision of the information provided herewith is voluntarily and you may choose to provide and/or withhold provision of any data. However in case of non-provision of any data you may not be eligible for certain services for which the data needs to be collected.
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 and/or is required to carry out our operations. We may also retain and use your Personal Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
You may choose to delete and/or change/ withdraw your consent for use of your data at any point. You may reach out to us over email specifying such a change. Upon receiving such request we will delete your Personal Information subject to receiving written request for the same through your registered email-id. Please note, however, that there might be latency in deleting Personal Information from our servers and backed-up versions might exist even after deletion. Also upon withdrawal of such request you might not be further eligible for any services and it shall be at sole discretion of the Company.
We value your personal information which may include but not limited to any card or cardholder information or other paper-less information, if any submitted by the customer during the course of the processing of the loan "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, revoke 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.