With this consent you authorize us & our partnering Banks/NBFCs and Advertisers to give you a call/sms/e-mail/WhatsApp or show banners/videos/text ads on third party sites to offer you their services for the product you have opted for, imparting product knowledge, communicate promotional offers running on the website & offers/products/services shared by the associated third parties; irrespective of the fact that you have registered yourself under DND (Do Not Disturb) or DNC (Do Not Call) service, i.e., you authorize us to give you a call/sms/e-mail/WhatsApp or show banners/videos/text ads on third party sites from wishfin.com & partnering Banks/NBFCs and Advertisers for the above mentioned purposes till 365 days of your registration and/or last login with us, despite you having opted for DND or DNC.
Wishfin.com does not provide Loans on its own, but ensures your information is sent to the bank which you have opted for. Wishfin has no sales team of its own; we just help you compare loans. All loans are on discretion of the partnering Banks/NBFCs and Advertisers . Wishfin.com provides general information and does not deem to constitute, financial or other advice or a recommendation to purchase any product or service. We strongly advise that independent professional advice be obtained before you purchase any product and/or service via Wishfin.com.
Storage of Customer Data
Wishfin.com will store and process your data only in servers located within India, in accordance with RBI circular on Digital Lending dated 02nd September, 2022 and any other regulation applicable on Wishfin.com.Wishfin will ensure that any customer data collected by Wishfin or any digital lending apps of LSP will be need-based, with your prior and explicit consent and will have an auditable trail.
Wishfin.com collects personally identifiable information when you register for an Wishfin.com account, when you use certain Wishfin.com products or services, when you visit Wishfin.com pages, and when you enter promotions or sweepstakes. Wishfin.com may also receive personally identifiable information from our business partners. When you register with Wishfin.com, we ask for your first name, last name, time zone, zip/postal code, country, state, city, email, birth date, and gender. Once you register with Wishfin.com and sign into our services, you are not anonymous to us. Customer data or information that we may collect from you and store with us for 3 (three) years to carry out our operations from the last login with us. Wishfin may seek a one-time permission with your prior and explicit consent for accessing camera, Microphone, Location, or any other facility necessary for the purpose of an onboarding. We will not store/ collect any biometric data in the systems associated with us, unless allowed under extant statutory guidelines as applicable to us.
Wishfin shall disclose the purpose of the consent required at each stage wherever applicable. Wishfin is doesn’t ask access of your mobile phone resources like file and media, contact list, call logs, telephony functions, etc. except in cases of prior explicit consent.
Please remember that any provider of financial services is entitled to register with Wishfin.com. Wishfin.com does not examine whether the advertisers are good, reputable or quality sellers of goods / service providers. You must satisfy yourself about all relevant aspects prior to availing of the terms of service. Wishfin.com has also not negotiated or discussed any terms of engagement with any of the advertisers. The same should be done by you. Purchasing of goods or availing of services from advertisers shall be at your own risk.
We do not investigate, represent or endorse the accuracy, legality, legitimacy of the service providers who advertise with us. References that we make to any names, marks, products or services of third parties or hypertext links to third party sites or information do not constitute or imply our endorsement, sponsorship or recommendation of the third party, of the quality of any product or service, advice, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the Media.
Wishfin, wherever applicable, shall disclose the information regarding the third party with whom your data is being shared.
You can give or deny the consent for use of specific data, restrict disclosure to third parties, data retention, revoke consent already granted to collect personal data and if required, make the Website delete/forget the data by writing us at [email protected].
Restriction on Use or Sharing of Personal Information
Wishfin Uses the information that it collects for several purposes, including:.
- Provide the Services you have requested
- Administer, improve and personalize your experience on the platforms
- Measure consumer interest in our platforms and services
- During registration, you will be requested to register your mobile phone and email id, pager, or other device to receive text messages, notifications, and other services to your wireless device. By registration you authorize us to send sms/email alerts to you for your login details and alerts or some advertising messages/emails from us. Note* If at any time you wish to stop these sms/email alerts, all you have to do is write an email to us at [email protected] with your mobile numbers and your mobile numbers will be deleted from the alerts list.
- To analyze the accuracy, effectiveness, usability, or popularity of the Services
- To compile aggregate data for internal and external business purposes
- To prevent fraud and abuse of the services and to otherwise protect users and visitors and our business
- Resolve disputes, troubleshoot concerns and help promote safe services
- Meet legal, regulatory and self-regulatory requirements
- Enforce our terms and conditions
Wishfin.com will not sell or rent your personally identifiable information to anyone other than as specifically noted herein. Notwithstanding the foregoing, Wishfin.com may sell and/or transfer your personally identifiable information to an affiliate and to any successor-in-interest as a result of a sale of any part of Wishfin.com's business or upon the merger, reorganization or consolidation of Wishfin.com with another entity on a basis that Wishfin.com is not the surviving entity.
For the purposes of this paragraph, "affiliate" means any person directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with Wishfin.com.
The term "control," as used in the immediately preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person.
Data Retention Period
Wishfin generally keeps your information as long as reasonably necessary to provide you the services or to comply with applicable law. However, even after you deactivate your account, Wishfin can retain copies of information about you and any transactions or services in which you may have participated for a period of time that is consistent with applicable law, applicable statute of limitations or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our services, to assist with investigations, to enforce applicable agreements or policies, or to take any other actions consistent with applicable law.
Data Restriction Protocol
Data destruction ensures that Wishfin manages the data it controls and processes it in an efficient and responsible manner. When the retention period for the data as outlined above expires, Wishfin will actively destroy the data covered by this policy.
Exclusions of liability
We at Wishfin.com try to ensure that the data, material and information on the Websites are accurate. We will also endeavour to correct any errors or omissions as soon as practicable after being notified of them. However, we are not responsible in any way if the data, material and information on the Websites are found to be inaccurate or if there are any errors or omissions in the data, material and information. We at Wishfin do not monitor, verify or endorse data, material and information submitted or provided by third parties, which is included on the Websites, and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the Websites. We are not responsible for any data, material or information included on the Websites, which has been provided by third parties. We are not responsible for any losses or damages arising from an inability to access the Websites, from any use of the Websites or from reliance on the data transmitted using the Websites where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet. We are not responsible or liable for any indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you which were not foreseeable by us when you accessed or used the Websites.
Exclusion of liability for third party providers products and services and Third-party advertisements
You can apply for and buy a number of products and services via our Wishfin.com. It is specifically clarified that we do not provide any of the products and services that appear on the Websites. All these products and services are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties. We are not responsible for any products or services or information provided by third party providers. You should exercise due caution to ensure your interests. Do not handover any cash. Get all promises on terms and conditions in writing on a letterhead. Get the visiting card of the person visiting you and check out that the landlines numbers mentioned on the card are correct. Most advertisers are unable to return documents in case your proposal is not accepted. If this is an issue with you, please get a promise to return your documents in writing in the event of your proposal is not accepted for any reason. Any transactions relating to sale/purchase of goods or services not directly offered by Us are to be settled inter-se between the parties to such transaction and all warranties express or implied of any kind, regarding any matter pertaining thereto, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement are disclaimed by Us. We try to provide a platform where you and other party may interact, exchange information or carry out any transactions on such terms and in the manner mutually agreed between you and the other party. We do not have any involvement in the actual transactions between the buyers and sellers of any product and service. It is only you, who is entirely responsible for all the activities, arising out of the transactions of goods or services offered by any other party and not us. We will not be liable for any loss that you may incur, while selling or purchasing goods /services of the third party We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Web site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you.
Advertisements on Wishfin.com
The advertisements that you see displayed on this website are delivered on our behalf by a third party. You have chosen the advertisers to whom your details will be referred. These parties are independent 3rd parties and we have no control over their functioning We try to act in good faith in providing a comparison service and allowing advertisers to advertise on it. We disclaim all liability and responsibility for the conduct of advertisers using our site to advertise their services. We are not responsible for their services advertised on this site. Users should carry out appropriate checks before engaging them for any services and be confident of their integrity and have proper contact details for the advertiser (not just their mobile number). If in doubt do not engage their services. This site disclaims without exception all liability for all Advertisements. Furthermore, no advertiser is an associate of this site and we do not act as an agent for any advertiser and where a dispute arises between parties, you undertake to resolve it independently of this site and accept that this site will not mediate in any dispute between parties. Customer’s obligations who register with Wishfin.com warrant that you have taken all reasonable precautions to ensure that any data you submit to the Websites is true and accurate. You warrant that all information provided on registration on the Websites and otherwise provided by you on this site shall be true, complete and accurate.
Grievance Redressal Officer Details :