You should first ensure that you read, understand and agree with all the terms and conditions contained in this agreement between you and Sai Roshni Capital Private Limited (“Company”) (“Privacy Policy”) before you may use the latter’s services and facilities. You should only use such services and facilities if you have read and understood the terms and conditions of this Privacy Policy and agree to abide by these terms and conditions. Should you need any clarification or further information on issue regarding this Privacy Policy, please contact us at

Privacy is an important aspect to consider while any attempt is made to create a better electronic environment on the internet. Therefore, to protect the privacy and security of personal information of members, users, visitors or guests, who frequently obtain our services through our website, mobile application or other means assumes paramount importance at Company app, and hence this Privacy Policy Statement is made part and parcel of this app content.

To win the trust and confidence of people visiting the website, Company creates a transparent environment, devoid of stress and concerns about abuse of personal information, by letting the public know about what information is considered important; how that info is collected and what is done with that information.

Some people may still have a very real concern that privacy and security of personal info is being abused; and for such people we assure that Company responds to their questions, concerns or ideas by opening up a dialogue and also advise them to feel free to write to Company or post feedback.


Free consent and the identity of consenting parties are essential ingredients to validate a contract between them. As a corollary, you may be asked for personally identifiable information such as your name, postal address, date of birth, Income Tax Permanent Account Number (PAN Card details) email address or telephone number. By parting with us such of your personal information, you shall be deemed to have consented to using our app services as per the terms and conditions set-out in the ‘User Agreement’ and/or other covenants specifically listed under ‘Terms of Use’.

Secondly, you need to create and have your own user ID and password which shall be your personal property and you should not share with any other person. Thirdly, the Internet Protocol (IP) Address which we will explore and collect from internet sources. This reveals your computer related basic information, including the type, make, model, location from where it is working, the sites you frequently visit etc., apart from helping generate certain statistical data.

You are at liberty to withdraw your consent at any point of time by emailing us at and your personal information stored securely intact with us shall be deactivated at our end within a week’s time from the date of receipt of your withdrawal of consent subject to all dues being cleared to the company. HOW THE INFO IS COLLECTED? We require the intended users/prospective members to register with us in order (i) to have access to our app content, (ii) to avail services provided thereat and (iii) to participate in the programs. At this stage the intended user/prospective member will have to give his/her personally identifiable information, as stated supra, voluntarily at his/her sweet will and wish and with a free consent.

Further, you may be required to create your own user ID and password as per specification so as to facilitate your login to the app content; access the features and to avail the services provided thereat.

Purely for technical, statistical and analytical purposes, we may explore, generate and gather information about your IP address which is impersonal; not linked to you personally; nor is it associated with your personal information.


We may use your personally identifiable information

– to allow us to process your service requests,
– to provide access to privileged areas of the app,
– to send out newsletters and details of new services and offers
– to personalize your visit to our app,
– to personalize your use of our services, products and programs, and
– to enable us to improve the services, products and programs we offer.

– to use data to help in the recovery process,
– to market to customers that you are linked to
– Location will be used for both KYC and loan collection purposes.

Sometimes we may undertake market research and request your participation; we may also send you details of new services and offers that we think may be of interest to you. In case you do not like receiving such information, please send an e-mail to

We may provide information, limited to the extent required, about you to our employees, affiliates, sponsors and agents in order to administer any accounts relating to products, services and programs provided to you by Company.

We will not disclose your personal information to any third party unless you have consented to such disclosure.

We will not disclose your personal information unless we are required to do so under compulsion of law.

Should you breach our terms and conditions or terms of use or if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, we may disclose your information to a relevant state authority.

If we are under legal obligation for the purposes of fraud protection and credit risk reduction, we may part with the information with other companies and organizations for that purposes.

Any disclosure of personal information will be strictly subject to and fully in accordance with the laws in force in India.

Your own user ID and password

The user ID and Password created by you at the time of registration are saved in encrypted form and they are not accessible to anyone including our staff members. They are your personal property and this information is expected to be used by you alone. With the aid of your user ID and Password you can login to the app content; access the features; avail the services and participate in the programs provided thereat. Please make a note that your registration data is password protected where only you can access your information. Company is not responsible for any activity which is undertaken when your password is used. We suggest you not to disclose your password to anyone. If you do not provide the required information as per standards specified, you may not be able to register and access the features, products and programs we provide on the app.

Your IP address

We may use your IP address to track your geographical location or movement, check the frequency and number of your visits to our website, administer the site, analyze trends and gather broad demographic information for aggregate use. It is used purely for technical, statistical and analytical purposes. Please be assured that the Performance Data so generated is stripped of all personally identifiable information.

Company is the sole owner of the information collected on the app. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement.


Cookies are small data files that a website you visit may save on your computer or handheld device that usually includes an anonymous unique identifier.

There is an imminent need to recognise the important distinction between cookies and spyware. Of course, both these collect information about your surfing habits; but the distinction lies in the fact that while cookies collect information about your surfing habits only on the site of the provider of the cookie i.e., just on one app, the spyware collects information about your surfing habits across the internet and sends this information out from your computer.

This app uses cookies and other technologies such as pixel tags and clear gifs to store certain types of information each time you visit any page on our website. Our app may use cookies for user authentication, keeping track of your preferences, promotional campaigns, tracking our audience size and traffic patterns, and in certain other cases. Cookies enable the app to recognize the information you have consented to give to the app and help us determine what portions of this app are most appropriate for your professional needs.

We may also use cookies to serve advertising banners to you. These banners may be served by us or by a third party on our behalf.

Cookies are not harmful and cannot introduce viruses or extract personal contact information. Be assured that the cookies our app uses will not contain any of you personal identifiable information.


Company has a comprehensive information security program and information security policies which contain managerial, technical, operational and physical security control measures for the protection of Sensitive Personal Data and Other Personal Information. Data which is transmitted over the Internet is inherently exposed to security risks or threats. However, this is not a guarantee that such data transmissions cannot be accessed, altered or deleted due to firewall or other security software failures. Security is always relative and it cannot be guaranteed that our security measures are absolute and cannot be breached.


As and when any change (s) in this Privacy Policy Statement occurs, the same will be posted on our Website. We advise you to check regularly for the most recent Privacy Policy on our Website.