This Privacy Policy (“Privacy Policy/Policy”) discloses the privacy practices for Fincurious Innovations Private Limited (“Fincurious”, “We/we” or “Us/us”) with regard to collection and use of the Personal Information (defined hereunder) of the ATC, customers, vendors, members, employees and the users (“You/you” or “Your/your”) and use of the online platform www.Fincurious.com (“Website”). This Privacy Policy along with Terms of Use describes our practices regarding, including your choices in relation to how we collect, store, use, share and secure your Personal Information across our Website. It also describes your choices regarding use, access and correction of your Personal Information and your rights in relation to your Personal Information and how to contact us or supervisory authorities in the event you have a complaint. By providing your consent to this Privacy Policy and accepting the Terms of Use, you agree to the collection, use and transfer of your Personal Information as set out in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use/access this Website. We will review this Privacy Policy from time to time to make sure it is up to date. If you are just a visitor, then please note that this Privacy Policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this Policy periodically. If you are our registered user, we will notify you before we make changes to this Policy and give you the opportunity to review the revised Policy before you choose to continue using our services. By Personal Information, we mean any information that can either itself identify you as an individual ("Personally Identifying Information") or that can be connected to you indirectly by linking it to Personally Identifying Information. Please note that usage of the term Personal Information in this Privacy Policy includes sensitive personal data or information, wherever appropriate and/or mandated under applicable laws.
As a visitor, you can browse our Website to find out more about our Website. You are not required to
provide us with any Personal Information as a visitor. When you visit the Website, we collect and
store certain information to improve security, analyze trends and administer the Website with a view
to assist us in improving customer experience. We use this information to evaluate traffic patterns on
our Website so that we can make it more useful to our visitors.
We collect your Personal Information when you register with us, when you express an interest in
obtaining information about us or our products and services, when you participate in activities on our
Website or otherwise contact us.
We will only collect your Personal Information if we have a proper reason for doing so, e.g.: to
comply with our legal and regulatory obligations; for the performance of our contract with you or to
take steps at your request before entering into a contract; for our legitimate interests (where
permitted by law) or those of a third party; or where you have given consent.
In some cases, we may also have a legal obligation to collect Personal Information from you or may
otherwise need the Personal Information to protect your vital interests or those of another person
(for example, to prevent payment fraud or confirm your identity.)
Our primary goal in collecting your Personal Information is to provide you a safe, efficient, smooth,
and customized experience. This allows us to provide courses, study material, tutorials that most
likely meet your needs and to customize our Website to make your experience safer and easier. We also
use your Personally Identifiable Information together with other information to help us better
understand our users and to improve the content and functionality of our Website. The information we
learn from you helps us personalize and continually improve your experience at our Website. We do not
voluntarily make this information available to third parties, nor do we use it for any other purpose,
except as set out herein.
When you visit our Website, as part of a purchase of one of our courses or registering on our Website,
we may collect a variety of Personal Information that you will voluntarily provide to us via one of
our contact forms, via a chat or phone session, such as:
If you are an employee of Fincurious, we may collect the following Personal Information:
We collect information about you and your use of our service, your interactions with us as well as
information regarding your computer or other device used to access our service. This information
includes your activity on our Website, such as classes, study materials, courses and search queries;
details of your interactions with customer service , such as the date , time and reason for contacting
us, transcripts of any chat conversations, and if you call us , your phone number and call recordings;
device IDs or other unique identifiers, device and software characteristics (such as type and
configuration), connection information, statistics on page views , referring source (for example,
referral URLs), IP address (which may tell us your general location), browser and standard web server
log information, information collected via the use of cookies, web beacons and other technologies.
With the help of backend applications, we aim at providing better services and better interaction with
teachers, depending on the beneficiary’s line of interest. We also may ask for this information at
other times, such as when you enter contests or other promotions sponsored by us and/or our partners.
If you use a feature that requires payment of a fee options like NEFT, or Card will appear. In case of
payments via credit or debit card, we will redirect you to registered payment gateways such as axis
bank, phonepe, razorpay, ccavenue, payubiz etc. and other such registered gateways. You may store and
save your payment details like card numbers with the gateway. We do not have access to this data. All
payment transactions are processed through secure payment gateway providers. We do not store any card
information (other than the last 4 digits of your card) in our servers.
When you use one of our paid products, we track the web pages, and information that has been accessed
by you, and store it on our servers. This enables us to track items that you have completed, and those
that you need to see.
The user's full name and his/her display picture can be publicly displayed on the Website. Depending
on what profile and what services they are seeking, Fincurious can ask for more information relating
to address, billing information, certificates, past employment information etc.
Fincurious can use technologies such as cookies, clear gifs, log files, and flash cookies for several
purposes, including to help understand how you interact with our Website and services, to provide a
better experience.
We use the Personal Information we collect, where it is necessary to deliver the services you have
requested, where it is necessary to exercise or comply with legal rights or obligations or for normal
business purposes of the kind set out in this Policy.
We will use your Personal Information to provide, analyze, administer, and improve our services, to
provide you with a personalized experience on our Website (especially, by offering you services that
is best suited for you), to contact you about your account and our services, to provide you customer
service, to provide you with personalized marketing and to detect, prevent, mitigate and investigate
fraudulent or illegal activities.
We further use your Personal Information to determine your general geographic location, provide
localized courses and classes, provide you with customized and personalized study material,
recommendations, determine your internet service provider, and help us quickly and efficiently respond
to inquiries and requests and enforcing our terms (such as determining free trial eligibility) and
communicate with you concerning our service (for example by email, push notifications, text messaging
,and online messaging channels), so that we can send you details about new features and content
available on the Website, special offers, promotional announcements, surveys, and to assist you with
operational requests such as password reset requests.
If you are an employee, we use your Personal Information for purposes of payrolling and recording
attendance, deduction of taxes, payment of remuneration, providing employee benefits (including making
contributions to the provident fund, procuring medical insurance, etc.).
If you are a vendor/supplier, we use your Personal Information and for the purpose of making payments
and deducting taxes.
Fincurious is a community. We offer several features that allow members to connect and communicate in
public or semi-public spaces, such as Forums and Teams. Please be sensible and judge before posting in
these community spaces or sharing your Personal Information with others on Fincurious. Be aware that
any Personal Information you submit there can be read, collected, or used by others, or could be used
to send you unsolicited messages.
We use other companies, agents, or contractors ("Service Providers") to perform services on our behalf
or to assist us with the provision of services to you. We engage Service Providers to provide
marketing, advertising, communications, infrastructure, and IT services, to personalize and optimize
our service, to process credit card transactions or other payment methods, to provide customer
service, to collect debts, to analyze and enhance data (including data about users’ interactions with
our service), and to process and administer consumer surveys. In the course of providing such
services, these Service Providers may have access to your Personal Information or other information.
We do not authorize them to use or disclose your Personal Information except in connection with
providing their services.
If you are an employee, vendor/supplier of Fincurious, your Personal Information may be shared
internally with the relevant departments on a need-to-know basis.
Note to our customers in Europe: We transfer your Personal Information from the European Economic Area
and Switzerland to India. By submitting your data and/or using our services, you consent to the
transfer, storing, and processing of your Personal Information in India.
We shall try to take all precautions to protect the Personal Information both online and offline. We
will try to protect your information using technical and administrative security measures to reduce
the risks of loss, misuse, unauthorized access, disclosure, and alteration. We have standard SSL
certification which basically helps us create a secure connection between our server and user to
render any information or action. Some of the safeguards we use are firewalls and data encryption,
physical access controls to our data centers and information access authorization controls. Only user
passwords are encrypted in 64-bit encryption and stored because generally users use the same password
on multiple sites, to prevent any kind of theft, piracy, or unauthorized access. If you believe your
account has been abused or hacked, please contact us by sending us an email at support@Fincurious.com.
We do not sell, transfer, or rent your Personal Information to third parties for their marketing
purposes without your explicit consent and we only use your information as described in the Privacy
Policy. We view protection of your privacy as a very important community principle. We understand
clearly that you and your Personal Information is one of our most important assets.
We store and process your Personal Information on computers located in India that are protected by
physical as well as technological security devices. We use third parties to verify and certify our
privacy principles. If you object to your Personal Information being transferred or used in this way,
please do not accept this Privacy Policy.
Under no circumstances, we rent, trade, transfer or share your Personal Information that we have
collected with any other company for their marketing purposes without your consent. We reserve the
right to communicate your Personal Information to any third party that makes a legally compliant
request for its disclosure.
We have appropriate security measures to prevent your Personal
Information from being accidentally lost or used or accessed unlawfully. Processing your Personal
Information will be done only in an authorized manner and subject to a duty of confidentiality. We
also have procedures in place to deal with any suspected data security breach. We will notify you
about any applicable regulator of a suspected data security breach where we are legally required to do
so.
Notwithstanding anything contained anywhere in this Policy; we cannot assure absolute security to your
Personal Information and by entering or by logging into our Website, you explicitly agree not to sue
us for any data breach.
We transfer cookies, which are small files containing a string of
character, to your IP address, giving the browser distinct identification, to keep track of the user’s
preferences. Furthermore, these files also help in logging-in faster and they act as a mechanism to
determine user trends. The data thus retrieved from the user’s IP address, enables us to enhance our
offers, including but not limited to more content in areas of greater interest to most users.
Our Website uses "Cookies" to identify the areas of our Website that you have visited. A Cookie is a
small piece of data stored on your computer or mobile device by your web browser. We use Cookies to
personalize the Content that you see on our Website. Most web browsers can be set to disable the use
of Cookies. However, if you disable Cookies, you may not be able to access functionality on our
Website correctly or at all. We never place Personally Information in Cookies.
We may pass your details to other companies in our group. We may also
pass your details to our agents and subcontractors to help us with any of our uses of your data set
out in our Privacy Policy. For example, we may use third parties to assist us with delivering services
to you, to help us to collect payments from you, to analyse data and to provide us with marketing or
customer service assistance.
We may exchange information with third parties for the purposes of fraud protection and credit risk
reduction. We may transfer our databases containing your Personal Information if we sell our business
or part of it. Other than as set out in this Privacy Policy, we shall NOT sell or disclose your
Personal Information to third parties without obtaining your prior consent unless it is necessary for
the purposes set out in this Privacy Policy or unless we are required to do so by law. The Website may
contain advertising of third parties and links to other sites or frames of other sites. Please be
aware that we are not responsible for the privacy practices or content of those third parties or other
sites, nor for any third party to whom we transfer your data in accordance with our Privacy Policy.
Our Website may contain links to other websites that are not under our direct control. These websites
may have their own policies regarding privacy. We have no control of or responsibility for linked
websites and provide these links solely for the convenience and information of our visitors. You are
accessing such linked websites shall be at your own risk. These websites are not subject to this
Privacy Policy. You should check the privacy policies, if any, of those individual websites to see how
the operators of those third-party websites will utilize your personal information. In addition, these
websites may contain a link to websites of our affiliates. The websites of our affiliates are not
subject to this Privacy Policy, and you should check their individual privacy policies to see how the
operators of such websites will utilize your personal information.
We use third parties to help us provide services to You including the fulfilment of service, processing of payments, monitoring site activity, conducting surveys, maintaining our database, administering emails, and administering contents, and to provide aggregate, comparative information on the performance of our Website to us and a select group.
It is open for you to customize our usage of your personal information
to communicate with you, to send you marketing information, how we provide you with customized and
relevant advertising, and whether you want to stay signed into your account.
If you do not wish to receive marketing communications from us, you can unsubscribe from the link in
the email you would receive or change your communication preferences or indicate your communication
preferences. You can also reach us via chat, WhatsApp, call or email to block promotional
communication to you. Keep in mind, we do not sell or rent your personal information to third parties
for their marketing purposes without your explicit consent.
All rights, including copyright, in this Website are owned by or licensed to us. Any use of this
Website or its contents, including copying or storing it or them in whole or part, other than for your
own personal, non-commercial use is prohibited without our permission. You are prohibited from
modifying, copying, distributing, transmitting, displaying, printing, publishing, selling, licensing,
creating derivative works or using any content available on or through our Website for commercial or
public purposes. You may not modify, distribute or re-post something on this Website for any purpose.
The Site contains copyrighted material, trademarks, and other proprietary information, including, but
not limited to, text, software, photos, video, graphics, music, sound, and the entire contents of
Fincurious is protected by copyright as a collective work under the applicable copyright laws.
Fincurious owns a copyright in the selection, coordination, arrangement, and enhancement of such
content, as well as copyright or license to use in the content original to it. You may not modify,
publish, transmit, participate in the transfer or sale, create derivative works, or in any way
exploit, any of the content, in whole or in part. You may download / print / save copyrighted material
for your personal use only. Except as otherwise expressly stated under copyright law, no copying,
redistribution, retransmission, publication, or commercial exploitation of downloaded material without
the express permission of Fincurious is permitted. If copying, redistribution, or publication of
copyrighted material is expressly permitted by Fincurious, then no changes in or deletion of author
attribution, trademark legend or copyright notice shall be made.
You acknowledge that you do not acquire any ownership rights by downloading copyrighted material.
Trademarks that are located within or on our Website or a website otherwise owned or operated in
conjunction with Fincurious shall not be deemed to be in the public domain but rather the exclusive
property of Fincurious, unless such site is under license from the trademark owner thereof in which
case such license is for the exclusive benefit and use of Fincurious, unless otherwise stated.
Fincurious does not have any express burden or responsibility to provide you with indications,
markings, or anything else that may aid you in determining whether the material in question is
copyrighted or trademarked. You shall be solely liable for any damage resulting from any infringement
of copyrights, trademarks, proprietary rights or any other harm resulting from such a submission. By
submitting material to any public area of the Website, you warrant that the owner of such material has
expressly granted Fincurious the royalty-free, perpetual, irrevocable, non-exclusive right and license
to use, reproduce, modify, adapt, publish, translate and distribute such material (in whole or in
part) worldwide and/or to incorporate it in other works in any form, media or technology now known or
hereafter developed for the full term of any copyright that may exist in such material. You also
permit any other end user to access, view, store or reproduce the material for that end user's
personal use. You hereby grant Fincurious, the right to edit, copy, publish and distribute any
material made available on the Website by you. If you come across any abuse or violation of these
Terms, please report to support@Fincurious.com
You have the right to withdraw your consent at any time in writing by sending an e-mail to us at
support@Fincurious.com, in accordance with the terms of this Privacy Policy. However, please note that
withdrawal of consent will not be retrospective in nature and shall be applicable prospectively.
You may write to us at support@Fincurious.com to access, review, modify or correct your Personal
Information or withdraw your consent to provide Personal Information. We are not responsible for the
authenticity of the information provided by you.
You agree and acknowledge that Your right to access, modify and/or withdrawing Your consent to provide
Personal Information as mentioned above may be denied or limited by us, as may be required under any
applicable law, law enforcement requests or under any judicial proceedings.
Licensee does not warrant that this Website, its servers, or email sent by us or on our behalf are virus free. We will not be liable for any damages of any kind arising from the use of this Website, including, but not limited to compensatory, direct, indirect, incidental, punitive, special, or consequential damages, loss of data, goodwill, business opportunity, income or profit, loss of or damage to property and claims of third parties.
Any discrepancies and grievances with respect to processing of Personal Information shall be informed
to the designated Data Protection Officer as mentioned below:
Name : Ashwin Hegde
Designation : VP - Tech
Email ID : support@Fincurious.com
CONSENT TO THE POLICY
The Terms of Use Agreement is incorporated herein by reference in its entirety.
We may at any time modify the Terms of Use of our Website without any prior notification to you.
Should you wish to terminate your account due to a modification to the Terms or the Privacy Policy,
you may do so email us at support@Fincurious.com. However, if you continue to use the service you
shall be deemed to have agreed to accept and abide by the modified Terms of this Website.
Privileged/Exclusive Service:
By having a Fincurious account, you have explicitly given consent for us to capture images (followed
by analysis), camera/mic permissions to make video calls and record the same.
Fincurious May Disclose Information :
In the event of any dispute arising between the parties with respect to
this Agreement, the same shall be referred to the Sole Arbitrator and the arbitration shall be in
accordance with Arbitration and Conciliation Act of 1996. The language of arbitration proceedings
shall be English. The seat and place of arbitration shall be Bangalore and the decision of the
Arbitrator shall be final and binding on both parties herein.
This contract shall be subject to the exclusive jurisdiction of courts in Bangalore, Karnataka, India
and shall be governed by the Indian laws.