Privacy Policy
PRIVACY POLICY
&
TERMS AND CONDITIONS

PRIVACY POLICY

&

TERMS AND CONDITIONS

OTO is a Website- (URL: www.otocapital.in) and a mobile application (together called as “Platform”) which delegates vehicle ownership in a new way of financing with flexible usage terms, is owned and operated by 1T9 Technology Private Ltd (“Company” or “We” and their connotations). We recognize the privacy concerns of its Users and their guests (hereinafter collectively referred to as the “Users” and/or “you” and their connotations) and hence as a commitment to provide safe and secure experience on our Platform, We have formulated this privacy policy to help Users make an informed decision.

This Privacy policy (‘‘Privacy Policy’’) is meant to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete your information while you access to the Platform (hereinafter referred to as “Services”).

If you do not agree with this Policy, do not use our services or provide here with your personal data.
Information We Collect
In order to provide Services, We require certain user information and may obtain the same through user-provided data or automatic data collection.

a. We collect information that may be used to identify you (“Personal Information”) including, but not limited to, (i) name, e-mail ID, photograph, location, AADHAR card number, PAN card number and other contact information (ii) age, gender and other demographics (iii) details of KYC (Know Your Customer) documents, bank account, bank statements, financial documents, income proof, vehicles and vehicle tracking (iv) particulars of NACH (National Automated Clearing House) mandate and PDC’s (Post Dated Cheque).

b. We also collect certain information either when you provide it using the Platform or Services and / or automatically as you navigate through the Platform (which may include usage details, IP address, device ID and type, your browser type and language, the operating system used by your device, access times, and information collected through cookies, web beacons and other tracking technologies). You agree that we may use such information to do internal research on our Users' demographics and medical history to better understand, protect and serve our Users.

c. We also collect information from your user ID associated with any social media account (such as your Facebook and Google account) that users use to sign into the Platform or connect with or use of our Services. When you sign in with your social media account information, or otherwise connect to your social media account with the Platform, you consent to our collection, storage, and use, in accordance with this Privacy Policy, of the information that you make available to us through the social media interface. This includes, without limitation, any information that you have made public through your social media account, information that the social media service shares with us or information that is disclosed during the sign-up and sign-in processes.

d. If another User allows us to collect information from his or her device phonebook—and you are one of that User’s contacts—we may combine the information we collect from that User’s phonebook with other information we have collected about you. We may also obtain information from other sources and combine that with the information we collect through the Platform.

e. We use data collection devices such as "cookies" on certain pages of the Platform to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. Cookies are small files placed on your hard drive that assist us in providing our Services. We offer certain features that are only available using a cookie. Cookies can also help us provide information that is targeted to your interests.

f. User shall grant the Company a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license for content that is covered by intellectual property rights, like photos and videos (IP License). This IP License shall end when you delete your IP content or your account unless your content has been shared with others, and they have not deleted it. When you delete IP content, it is deleted in a manner similar to emptying the recycle bin on a computer. However, you understand that removed content may persist in backup copies for a reasonable period (but will not be available to others).
Use of Information
We collect, and stores information provided by you from time to time. This allows us to provide services and features that most likely meet your needs, and:

a. To enable you to avail of our Services, provide leasing facilities and ensure efficient customer care experience and develop new features;

b. To send surveys or marketing communications to inform you of new products or services or other information that may be of interest;

c. To dispatch transaction-related communications such as welcome letters, billing reminders, and purchase confirmations;

d. To notify the necessary information related to the Platform and Services and your user account on the Platform from time to time;

e. To maintain records and provide you with an efficient, safe and customized experience while using the Platform;

f. To analyse overall trends to helps us improve the Platform and Services;

g. To furnish your information to Service Partners and Providers only to the extent necessary for delivering the relevant services (e.g. scheduling repair and maintenance, providing emergency assistance);

h. Verify your identity and prevent fraud or other unauthorized or illegal activity;

i. To comply with applicable laws, rules, and regulations; and

j. In any other way consistent with this Privacy Policy and our Terms and Conditions.

Additionally,

k. We reserve the right to use or disclose your Personal Information in response to subpoenas, court orders, warrants, or legal process, or to otherwise establish or exercise our legal rights or defend against legal claims or in the event you violate or breach an agreement with us. We will use and disclose your Personal Information if we believe you will harm the property or rights of the Platform, its owners, or those of the Platform’s other users. Finally, we will use or disclose your Personal Information if we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person or property, violations of the Platform’s other policies, or as otherwise required by law when responding to subpoenas, court orders and other legal processes.

l. If We believe that disclosure is necessary or appropriate to protect our rights, property, or safety, our Users or others, we may in good faith share information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

m. You agree that we may use Personal Information about you to improve our marketing and promotional efforts, to analyse site usage, improve the Platform's content and service offerings, and customize the Platform's content, layout, and services. These uses improve the Platform and better tailor it to meet your needs, so as to provide you with an efficient, safe and customized experience while using the Platform.
Review & Alteration of Information
We strive to accurately record all information provided on the Platform from time to time.

a. We encourage you to review, correct, update, and/or change your account information or Personal Information at any time.

b. You may also delete your information at any time on the Platform. However, we may retain certain information as required by law or for reasonable business purposes.

c. You have a right to review, update, correct, and delete your information; subject to our records retention policies and applicable law, including any statutory retention requirements.

d. We reserve the right to delete your account if we find that the personal information about you that is inaccurate, incomplete, or irrelevant for legitimate purposes, or are being processed in a way that infringes any applicable legal requirement
Third-Party Services
Our Platform may contain links to other websites. Please note that when you click on one of these links, you are entering another website over which We have no control and for which we will bear no responsibility. Often these websites require you to enter your Personal Information. We encourage you to read the privacy policies of all such websites as their policies may differ from ours. You agree that We shall not be liable for any breach of your privacy of Personal Information or loss incurred by your use of such websites or services.
Confidentiality
We treat your use of OTO with the utmost respect for your privacy. Except for anything not disclosed above, we keep your information disclosed to the Listed Professional confidential, keeping only non-decimated "file" copies for reference in case of legal dispute. We shall use commercially reasonable efforts to protect and secure the same. However, We shall not be liable for any damage/loss/ exposure caused to the information collected by us.
Compliance with Data Protection Regulations
The information we obtain from or about you may be processed and stored in India and our other various servers located across the globe, which may provide for different data protection rules than the country in which you reside. We comply with generally accepted industry standard regulations regarding the collection, use, and retention of data. By using the Platform and/or Services, you consent to the collection, transfer, use, storage and disclosure of your information as described in this Privacy Policy, including to the transfer of your information outside of your country of residence
Measures taken to Protect Your Information
We have implemented appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access to your information and to maintain data security. These safeguards consider the sensitivity of the information that We collect, process and store and the current state of technology. We store and process your information on reputed web service cloud servers. We impose contractual obligation if in any case We outsource the task of data processing. We follow generally accepted industry standards to protect your information submitted to us, both during transmission and once received, including the use of vault and tokenization services from third-party service providers.

While We strive to use commercially acceptable means to protect your information, We cannot guarantee its absolute security and thereby usage in a manner that is inconsistent with this Privacy Policy.

We neither accepts nor assumes any liability or responsibility for disclosure of your information due to errors in transmission, unauthorized third-party access, or other causes beyond We control. We do not, under any circumstances, represent that our platform is completely void of malware including but not limited to viruses, spywares, cancel bots, Trojans, time bombs and any such application, which may be placed on our platform without our knowledge. However, We shall take all the necessary and reasonable steps to ensure that our platform is free from the above-mentioned malware.

You also play a key role in keeping your information secure. Using unsecured Wi-Fi or other unprotected networks to submit messages through the Platform is never recommended. You should not share your user name, password, or other security information for your account or the device through which you access our Platform and/or Services (as the case may be) with anyone. If We receive any instructions through any account or device or any other medium bearing your information, we will consider that you have authorized the instructions. Please remember that if you post any of your Personal Information in public areas of the Platform such as in online forums or chat rooms, or in the Platform's searchable database, or share such information with anybody else, such information may be collected and used by others over whom we have no control. We are not responsible for the use made by third parties of information you post or otherwise make available in public areas of Platform or share with any other person.
In the Event of Change of Control
In the event of the change of control of the Company due to the merger with a third party, acquisition, bankruptcy or other change of control, We reserve the right to transfer or assign the information we have collected from our users as part of such merger, acquisition, sale, or other change of control. In the unlikely event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors' rights generally, we may not be able to control how your Personal Information is treated, transferred, or used.
Changes to this Privacy Policy
We reserve the right to update, change or modify this Privacy Policy at any time to reflect any (including but not limited to) changes in the law, the data collection and practices, the features of the Platform or Services, or advances in technology. The amendment to this Privacy Policy shall come to effect from the time of such update, change or modification and the same will be published here.

You are requested to review the Privacy Policy carefully from time to time. Use of information collected is subject to the Privacy Policy in effect at the time such information is used. The changes to this Privacy Policy shall be treated as read, recognized, understood, consented and accepted if you continue to use the Platform or Services post such changes.
Governing Laws and Dispute Resolution
This Privacy Policy shall be governed by and construed in accordance with the Arbitration and Conciliation Act 1996, or such similar laws of India which are not in conflict with each other. Such shall be subjected to the exclusive jurisdiction of the competent courts of Mumbai, India.

ACCEPTANCE OF TERMS AND CONDITIONS

We, at OTOCAPITAL provide an independent online service which facilitates your access to loans and related financial services and other products or services provided by our partner financial institutions whilst using this Website. We receive a fee and/or commission from the partners when you use our service to purchase products or services from them.
By making use of this Website and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the services that you have selected. You hereby agree that Otocapital/ Otocapital’ partner financial institutions may contact you either electronically or through phone, to understand your interest in the selected products and services and to fulfill your demand. You also agree that Otocapital reserves the right to make your details available to any of our authorized members/ agents or partners and you may be contacted by them for information and for sales through email, telephone and/or text message. You agree to receive promotional materials and/or special offers from Otocapital through calls, email or text message. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Website, we suggest that you seek independent professional advice before you obtain any product or service via this Website. As a User of this Website you have agreed to the Terms & Conditions that Otocapital has provided hereunder or anywhere else in this Website, including but not limited to disclaimers on this Website. You are advised to read and understand the said Terms & Conditions and in case you do not wish to agree to these Terms & Conditions, please do not use the Website.
You undertake and acknowledge that, I. For the purpose of assessing your credit worthiness, Otocapital is authorized to pull from CIBIL and/or any other agency authorized by RBI, data of the applicant(s), directors, group companies, and any other individuals who are involved in the said business, on behalf of which this loan/lease application is made; II. CIBIL and any other agency so authorized may use, process the said information and data disclosed by Otocapital in the manner as deemed fit by them; III. CIBIL, and any other agency so authorized may furnish for consideration, the processed information and data or products thereof prepared by them, to banks/financial institutions and other credit grantors or registered users, as may be specified by the RBI in this behalf; IV. For the purpose of verification of my/our personal data, Otocapital is authorized to pull from Central KYC Records Registry, ‘Know Your Customer’ data of the applicant(s), directors, group companies, and any other individuals who are involved in the said business, on behalf of which this loan/lease application is made and V. For the purpose of assessing our credit worthiness, Otocapital is authorized to fetch Goods and Service Tax returns/data, of the applicant(s), group companies, on behalf of which this loan application is made.

As a website user, you agree and provide consent to receive all communications at the mobile number provided, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, you further authorise Otocapital to share/disclose the information to any third party service provider or any affiliates, group companies, their authorised agents or third party service providers.

(or)

Notwithstanding User’s registration with National Do Not Call Registry (In Fully or Partly blocked category under National Customer Preference Register set up under Telecom Regulatory Authority of India), you hereby expresses your interest and accord its willful consent to receive communication (including commercial communication) in relation to Otocapital. User further confirms that any communication, as mentioned herein above, shall not be construed as Unsolicited Commercial Communication under the TRAI guidelines and User has specifically opted to receive communication in this regard on the telephone number provided by the User.
Contact Details
If you have any questions about this Privacy Policy, please contact us by email or postal mail on the following address:

Company Name: 1T9 Technology Pvt. Ltd.
Name: Sakshi Singh
E-mail id: sakshi@otocapital.in
Phone no: 9372031161
Address: E-503, Manavsthal Heights, Marol, Andheri (East)
Website URL: www.otocapital.in