GSTIN : 29AASFC1721G1ZE
INTRODUCTION:
Welcome to www.canbaycapital.com (“Website”). Canbay Capital is a direct service provider (DSA), wherein we are in the business of promoting, marketing, and sales of financial products like loans, insurance, and other related products and services in collaboration with various entities like banks and non-banking financial companies, life and non-life Insurance companies, and providers. We also deal with real estate. The website with its mobile applications and other related resources is owned and operated by CANBAY CAPITAL, a partnership firm registered under the registrar of firms and with its registered office and communication address at No.92, Second Floor, Govindappa Cross Road, R.V Road, Basavanagudi, Bangalore – 560 004, Karnataka.
Before accessing and using our website and applications, we request you, a must-read of our comprehensive terms and conditions and the privacy policy provided on the website to learn about data security, confidentiality, and how we safeguard your privacy in all our services. This Privacy Policy outlines how we collect, use, and safeguard your personal information when you visit our website www.canbaycapital.com as well as our mobile and related applications, services, and resources.
Capture and Sharing of Personal Information and Data.
Canbay Capital engages its employees, agents, connectors, partners, business associates, representatives, third-party individuals and non-individual entities, lending partners like banks, NBFCs (non-banking financial companies and other companies - individual or no-individual entities, and other affiliates) to help users and customers to apply for a loan or to avail other products and services provided through the website and other means like offline and online or through print/digital communication.
In this process, you may be prompted to key in or provide information crucial to your personnel and other important sensitive information to us or the website to respond with the required confirmations. This information is captured to facilitate transactions, services, and products and to measure the eligibility criteria to find the right fit for the bank/institutions, and companies... Etc as well as vice versa.
By applying or while providing information you agree and confirm that the information provided is current, accurate, and true. By providing such personnel and other information you agree that you are interested in knowing and availing various products and services offered not only by Canbay Capital but also by its employees, agents, connectors, partners, business associates, representatives, third-party, lending partners like Banks and NBFC’s (non-banking financial companies) and other companies individual or no-induvial entities and other affiliates.
Canbay Capital may capture the required information submitted by you and may derive or retrieve personnel information and data from other sources as mentioned below for promotion, marketing, and also to complete the applications or transactions as desired or chosen by users and customers. Below mentioned are the methods and ways we capture information or data.
This derived information with the information and data that you have provided may be shared and used in many ways by us and our associates or partners among various service providers and third parties. We make sure that these individual and non- individual entities even though are aware of the importance of the confidentiality of data and information. We on their part make a continuous effort to educate and inform them about the same and mostly ensure that they are bound by obligations about protection of personnel information and data.
This information and data may be used and shared among various service providers and third parties for login and processing of your applications both offline/physical and online/Digital forms.
Below are the ways as to how we share and use the data
To you or your authorized representative (with written consent) as requested by you.
To subscribe to Canbay Capital so that visitors can be informed of its special and promotional offers. To promote, provide, and market, products and services offered by Canbay Capital, its business associates, and third parties by way of IVR, E-Mail, telemarketing, and WhatsApp. SMS messages and offline or Print Communication, which may also include co-branded communications with third parties.
To keep you informed of its special offers or promotional offers extended by Canbay Capital as well as third parties who offer products and services.
With Employees, agents, partners, business associates, and affiliates who are bound by a contract for providing products and services directly or indirectly, Credit Providers like banks, companies, and NBFC, identity, credit reporting, and fraud- checking agencies who verify and assist in due diligence, verification, statutory checks, to asses eligibility and profiling.
To various departments like customer service and operations departments of Canbay Capital as well as third parties to help you to respond to your queries, provide information and support about your queries, and documentation which you may require as part of availing products and services.
Information technology and other services to improve and scale our technical or online (websites, network, and technology infrastructure), and offline services as well as improve our internal operations, so that we can provide a better experience each time they access our resources.
To legal and government departments, financial and other regulatory authorities and agencies, security and law enforcing departments/agencies, to all other departments and other agencies authorized by law who have powers to investigate, prevent, or act regarding illegal activities, frauds, threats to our property or personnel and violations of our terms, conditions, policies, and to meet our legal and regulatory obligations. To defend us from any demands, claims, litigations, or proceedings arising against any transactions, legal proceedings, detection of crime and fraud as well as prevention of the same which can be offline or online in nature.
You agree and acknowledge that Canbay Capital has all the rights as well as has to duty cooperate with govt ministries, govt agencies, and departments in this regard and we may or will have to store, share, and transfer your crucial and sensitive personal and other information on request by these govt ministries, departments and agencies for the prevention, detection and investigation of crimes which can be offline or online in nature.
You declare and agree that Canbay Capital can contact you by IVR (Interactive voice response), telephone, mobile phone, SMS (Short messaging service), WhatsApp, email, and letters of communication and documentation so that Canbay Capital is able to provide you with the products and services of your desire, choice, and needs. You agree and acknowledge and provide consent that the data and information can be provided, and shared through calls on IVR (Interactive voice response), telephone, mobile phone, SMS (Short messaging service), WhatsApp, email, and letters of communication and documentation. All these communications made and shared can be through offline/physical or online/digital mode.
You also agree and provide your consent to receive these communications in your contact details provided by you and that it overrides any or all the registrations made under the DND/DNC and NCPR services list as per the guidelines and regulations set by TRAI (Telecom Regulatory Authority of India).
Cookies
Our website uses cookies. Cookies are used to store and retrieve information while accessing the website. It also helps us to cater to customers by helping to know about their preferences and offer them products and services that suit them.
Most browsers will tell you and have the option to prevent your browser from accepting new or disabling cookies. It is the right and choice of users to allow the cookies to function in their browsers or systems. Additionally, you have all the rights to accept, disable, or delete any kind of cookies as well.
However, we would suggest and recommend accepting cookies and allowing them to function in your browser or system to get the maximum advantage and experience.
Data Storage
Canbay Capital is committed to safeguarding your crucial and sensitive personal data and information thus practices business with at most data safety and security and adheres to the best practices in the industry. With us, information or data is generally stored in electronic form but there are data and information stored in physical form through the documentation we collect for the process of applications. We try limiting our employees, partners, and business affiliates' access to such crucial personal information to only those who need it and limit the amount of information passed only to suffice such needs. We respect and take utmost care with the privacy of individuals and non-individual entities by only sharing data and information with registered and secured entities and with whom we are mostly bound by agreements and contracts.
Even said that no data is secure thus data and information breaches happen so we cannot assure you that personal data that we collect will never be accessed or used in an unauthorized way, and such instances may happen which may be beyond our control. In such circumstances, Canbay Capital will neither be liable nor will be responsible for any liability and claims arising out of such transactions for the collection and usage of data with your consent.
You unconditionally agree, acknowledge, declare, provide consent, and authorize Canbay Capital to collect, store, and share information and data, that is provided by you as well as the data and information that is collected, and derived, by Canbay Capital through online and offline as part of the process.
User control of Data and information
You have absolute control over your information and have the authority to decide on what kind of information or data and personnel information needs to be used/submitted or shared online. But it is also crucial to provide the requested information, as it will help us to suggest and recommend the best products and services as well as the service providers to suit your needs and satisfaction.
You also agree and acknowledge that Canbay Capital reserves the right to collect, store and share or transfer this information or detail available with its employees, agents, connectors, partners, business associates, representatives, third-party individuals as well as non-individual entities, lending partners like banks, companies and NBFC’s (non-banking financial companies and other companies - individual or non-individual entities and other affiliates).
Marketing Activities – Marketing Campaigns, Advertisements, Offers, and Other Information.
Marketing campaigns and advertisements are crucial for the existence of the business. We engage and associate with advertisement companies and other third-party applications for promotion and advertisements as part of our growth strategy and reach among users and customers. We promote ourselves on various third-party platforms and through both offline and online modes. We are also tied up or associated with third-party companies and entities for co-branding as well, in this regard they may put links banners, and advertisements where they promote us on their websites and other related resources with whom they are associated. Some of these platforms may direct such links to our website or resources and some may ask you to enter data as part of their campaign. Users who visit such websites, applications and platforms must take utmost care while submitting their personnel and crucial information and data as Canbay Capital neither has any control over such websites and platforms nor do they belong to us. Canbay Capital suggests users that may thoroughly verify such sites and platforms and go through the terms, conditions, and policies of such websites and platforms in terms of data handling, sharing, and security practices. Canbay Capital does not take any liability or any responsibility for the information and data that you provide on such websites and platforms.
Changes to Terms and Conditions
Our website-related information, policy, and content undergoes changes due to developments in the market and regulatory norms. We request and encourage users to review and first get updated on the changes and modifications made to the policy, terms, and conditions to understand it all the time and every time you access the website. Canbay Capital holds and reserves the right to change, modify, and publish the policies, terms, and conditions mentioned at any time without any advance or prior notice.
Governing Law
The law of the land is very important and any individual or non-individual entity in India is bound to respect and adhere to laws and Canbay Capital is not different or an exception. Canbay Capital is committed to performing all its acts as per law.
These policies, terms, and conditions are governed by and constituted by the laws of the jurisdiction in which Canbay Capital operates. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts of Bangalore, Karnataka.
Contact Details – Customer care and Grievances.
In case you need any clarifications and provide feedback or information you can reach us at the below-mentioned contact details.
Phone : 8867544002
Authorized Person to contact for queries.
Name: Shyam Krishna K C
Phone: 91- 9845826071
Address: No.92, Second Floor, Govindappa Cross Road, R.V Road, Basavanagudi, Bangalore – 560 004, Karnataka.
Landmark: Next To Lalbagh Metro Station.
GSTIN : 29AASFC1721G1ZE
