Turtlemint Privacy Policy

Turtlemint Fintech Solutions Limited (formerly known as Turtlemint Fintech Solutions Private Limited and Fintech Blue Solutions Private Limited)

INTRODUCTION

Turtlemint Fintech Solutions Limited (formerly known as Turtlemint Fintech Solutions Private Limited and Fintech Blue Solutions Private Limited) (“Turtlemint”, “Company” “we”, “our”, or “us”) respects your privacy and is committed to protecting it. This Privacy Policy outlines how we handle information when you visit or use our website at https://www.turtlemint.com (“Website” or “Platform”). This Platform is designed to provide various offerings in distribution & marketing of Information technology area and financial products including Insurance, Loans and many more related services offered by respective Affiliated Entities/ Subsidiaries and to redirect You to such Affiliated Entities/ Subsidiaries that offer or facilitate access to such services. (“Services”)

For the purpose of this Privacy Policy, Affiliated Entities/ Subsidiaries shall mean Turtlemint Insurance (https://www.turtlemintinsurance.com/), Turtlemint
Money (https://turtlemintmoney.com/v1/home), Turtlemint Loans (https://turtlemintloans.com/loans) Turtlemint Pro (https://www.turtlemintpro.com/) and Turt/efin (https://www.turtlefin.com/).

Please read this Privacy Policy carefully and note that by continuing to use the Services or accessing the Platform(s) you agree to this Privacy Policy. By accepting this Privacy Policy, you represent that you are eighteen years of age or above and that you expressly agree to the collection, storage, processing, disclosure and/or transfer, and use of your Personal Information according to terms set out hereunder.

2. COLLECTION OF PERSONAL INFORMATION AND OTHER INFORMATION

When you use our Platform(s), we may collect and store your Personal Information as provided by you from time to time. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. We may collect Personal Information from you in a variety of ways, including, but not limited to, when users visit our Platform(s), register on the Platform(s), avail our Services and in connection with other activities, services, features or resources we make available on our Platform(s).

This may include the collection of Personal Information, including but not limited to your (a) contact details like name, email address, mailing address, phone number, IP address, (b) copies of government issued identity cards like PAN, Aadhaar, drivers’ license, voter ID card, etc. which you may provide voluntarily as proof of address and/or identity for our third party customers, as may be required under applicable laws; and (c) and non-personally identifiable information such as browser name, operating system, name of internet service provider, etc., with the goal of improving our Service. Please note that we may further collect certain Personal Information on behalf of our third-party customers. Consent may be provided for such collection and use of your Personal Information will be subject to such third parties’ privacy policies and terms and conditions.

You undertake that you shall be solely responsible for the accuracy and truthfulness of the Personal Information you share with us, and that the Company will not be responsible for ensuring the authenticity of your Personal Information. You may choose to request access for reviewing your Personal Information and request any modification or amendment of Personal Information by writing to the Company grievance officer (“Grievance Officer”) at the contact details mentioned in this Privacy Policy.

You further understand and acknowledge that provision of your Personal Information is voluntary, and you may choose to provide and/or withhold provision of any such information. You may further choose to withdraw your consent for use/collection of your Personal Information at any point by writing to the Grievance Officer. However, in case of non-provision of any Personal Information or withdrawal of consent from the Company to collect and use your Personal Information, you may not be eligible for certain services for which such Personal Information needs to be collected.

If You are a parent or legal guardian of a minor child, You may, in compliance with the Terms, access the Platform or avail the Services on behalf of such minor child. You also expressly undertake that You have the authority to share such information on behalf of Your child. Any information that You provide while using the Platform or Service on behalf of Your minor child will be treated as Personal Information unless otherwise provided herein.

In case You choose to decline to submit any Information, We may not be able to provide You access to the Platform/Services or certain aspects of the Platform/Services. We will not be liable and/or responsible for the denial of providing access to the Platform to You on account of inadequacy of Information provided by You.

We do not use Google user data for any purpose other than those explicitly disclosed in this Privacy Policy and in accordance with Google’s API Services User Data Policy, including its Limited Use requirements.

3. COOKIES AND TRACKING TECHNOLOGIES

Our Website may use cookies or similar technologies to enhance user experience, improve website performance, and collect anonymous usage statistics. These may include:

  • Essential Cookies: Required for the functioning of the Website
  • Analytics Cookies: Used to understand how users interact with the Website
  • Performance Cookies: Help us improve the performance and content of our Website.

Consent to Cookies: By continuing to browse or use our Website, you agree that we may store and access essential and non-essential cookies on your device, in accordance with this Privacy Policy. You may withdraw or modify your consent at any time by adjusting your browser settings or using the cookie management options available on the Website (if provided).

4. THIRD-PARTY SERVICES

We may use third-party service providers to collect and analyze usage data. These third parties may set their own cookies or tracking technologies. We do not control their data practices and encourage you to review their respective privacy policies.

5. HOW TO MANAGE COOKIES

You can manage or disable cookies through your browser settings. Most browsers allow you to: –

  • View what cookies are set,
  • Delete cookies,
  • Block third-party cookies or all cookies.

Please note that disabling cookies may affect your experience on our Website.

6. USE OF YOUR INFORMATION

If we collect any of your Personal Information, we may use your Personal Information for the
following purposes:

  • To personalize user experience;
  • To improve our Platform(s), products and Services we offer;
  • To facilitate the identity verification and know-your-customer procedures by our customers with respect to their end customer (for instance, legally mandated checks to be implemented by insurers for issuance of policies to their customers under specific sectoral laws);
  • To improve customer service;
  • To send you information and updates pertaining to our Services;
  • To send periodic communication in the form of a newsletter, updates about our products or other promotions. Email unsubscribe instructions may be included at the bottom of each email or user may contact the relevant support team from where they have received the
  • email;
  • To contact you via email or phone on your contact details provided to offer you information and services pertaining to the product you have opted for;
  • To carry out our obligations under agreements with third parties including our business partners, group companies, affiliates, etc. and to comply with our legal obligations under applicable laws in India (“Applicable Laws”);
  • To investigate and resolve any claims, complaints, disputes or user grievances

You agree and acknowledge that collection of your Personal Information is necessary for the purposes above and the collection of the same is in furtherance of a lawful purpose

7. RETENTION OF PERSONAL INFORMATION

If we collect your Personal Information we will retain such Personal Information, for as long as necessary for the purposed described above and for providing our Services. We may also retain and use your Personal Information for such period as is necessary to comply with Applicable Laws, fulfill our legal obligations, resolve disputes, and enforce our agreements.

8. PROTECTION OF YOUR PERSONAL INFORMATION

We have adopted reasonable security practices, including physical, managerial, operation and technical security measures to protect against unauthorised access, alteration, disclosure or destruction of your Personal Information, and data stored by the Company, as required under Applicable Laws. We further endeavor to keep such security practices and procedures updated as and when new technology becomes available, and as may be appropriate.

9. SHARING YOUR PERSONAL INFORMATION

The Company does not sell your Personal Information with any third party for any purpose whatsoever. Keeping this in mind, we may disclose, transfer and/or share your Personal Information, if we collect, with certain persons, including persons outside India, for the following cases:

  • to our partners, affiliate entities, employees, consultants, contractors, independent service providers and other third-parties and persons who are bound by contractual obligations to keep user Personal Information confidential and use it only for the purposes for which we disclose it to them, namely for providing our Services or to assist us with our operating the Platform(s).
  • to our affiliates, subsidiaries, group companies, related parties and other assigns to allow them to provide support services and technical services to us and to receive some of these services from them and to provide support services and technical services to them and to offer their products and services to you including offering combined products and services.
  • for administering activities such as detection of identity theft, fraud and other potentially illegal acts, to facilitate joint or co-branded Services that you request where such services are provided by more than one corporate entity. We may share your information with these third parties for those limited purposes provided that you have given us your permission.
  • we may disclose Personal Information if required and if we collect to do so by law or in the good faith belief that such disclosure is reasonably necessary to fulfil our obligations under any Applicable Law or enforce our legal rights, pursue our legal remedies, respond to subpoenas, court orders, or any other legal process.
  • for any other purpose in connection with the purposes above.

Other than as prescribed under this Privacy Policy, we will not disclose any Personal Information to any external organisation unless (i) we have obtained the consent of the user; or (ii) we are required by law to provide such information.

10. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. Any changes will be effective upon posting on this page. Your continued use of the Website signifies your acceptance of any such changes. In the event that you wish to withdraw your consent with us for collection, storage, processing, transfer with and related handling of the Information, you may contact us at reachout@turtlemint.com, informing us of your withdrawal of consent to its use as aforesaid of your Information. You hereby acknowledge and agree that in case you withdraw your consent to our use and disclosure of your Information as provided for in this Privacy Policy, We hereby expressly reserves the right to discontinue/disallow access to the Website and Services at its own discretion.

11. CONTACT US

If you have any questions or concerns regarding this Privacy Policy or our data practices, you may contact us at:
Turtlemint Fintech Solutions Limited (formerly known as Turtlemint Fintech Solutions Private Limited and Fintech Blue Solutions Private Limited)
Address: The ORB – SAHAR 4 and 4A, 1st Floor, A Wing, Marol Village, Andheri, Mumbai, Maharashtra – 400099