Privacy Policy
Effective Date: November 06, 2024
Introduction and Overview
OneConsumer Services Private Limited ("OneConsumer," "we," "us") is committed to safeguarding the privacy and confidentiality of your sensitive personal data or information. When you use our websites and share your Personal Information, we are committed to protecting the privacy and security of our customers' personal information. This Privacy Policy outlines the types of personal information we collect, how we use and safeguard this information, and your rights regarding your personal data.
What Does This Privacy Policy Cover
This Privacy Policy explains our privacy practices regarding your access to and use of OneConsumer Services and the OneConsumer Platform.
When we refer to the "OneConsumer Platform" or "Platform," we mean the products and services provided by our third-party partners through arrangement. In these cases, we may store information with us or receive information from these partners, with your consent. This includes when you sign up for various financial services.
When you avail of services from our third-party partners, their privacy policy may apply. We request you to read and understand such third-party privacy policies to understand their practices, including what type of information they may collect about your internet usage.
By using or continuing to use our Website, you consent to our use of your information, including sensitive personal information, in accordance with this Privacy Policy, which may be modified from time to time at OneConsumer’s sole discretion.
We encourage you to read the entire Privacy Policy. By becoming a member of OneConsumer Services Pvt Ltd or using the OneConsumer Services Pvt Ltd Platform and Services, you acknowledge that you have read and agree to the Privacy Policy.
Information We Collect
When we refer to “Personal Information,” we use it as a general term to describe any information about an individual that can reasonably identify that person. In order to provide our financial services, we collect the following personal information when you register on our platform:
- Name
- Email address
- Phone number
- Date of Birth (DOB)
- PAN
- Age
- Address
- Gender
We only collect the information necessary to provide our services and communicate with you about your account.
Information We Collect Directly From You
We may collect Personal Information directly from you when you use the OneConsumer Platform and Services. Here are the types of Personal Information we may collect:
- Contact and registration information — This includes details you provide when signing up for a OneConsumer membership or uploading information to the OneConsumer Platform or Services, such as your name, email address, phone number, date of birth (DOB), PAN, age, address, and gender.
- User-generated information — When you communicate with us by email, phone, or other means, we may collect the content of these interactions, including call recordings where permitted by law.
- Device and contact data — Based on the permissions you grant in your device settings, we may access certain device-related information, such as device details and identifiers.
- Customer preferences and characteristics — We may derive insights from the information you provide, data collected directly from your browser or device, or information obtained from third-party marketing partners.
Information Collected By Third-parties
We are partnered with third-party vendors to offer financial services. Please note that your interactions with these vendors, including any personal or financial information you provide to them, will be governed by their respective privacy policies. We encourage you to review their policies before engaging in any transactions or providing personal data.
We do not store your third-party financial account IDs or passwords. Instead, you provide this information directly to our third-party partners when you request services requiring identity verification, seek prequalification for their products, or access your financial information on the OneConsumer Platform or Services.
Information Automatically Collected
When you engage with us, utilize the OneConsumer Platform and Services, or sign up for an email account, we may automatically collect and record certain information from your computer, web browser, or mobile device.
We gather data on your usage of the OneConsumer Platform and Services, including website pages viewed, browser type, operating system, device manufacturer and model, websites visited before or after accessing our platform, the pages you view, actions on the site, activities like link clicks, and the dates and times of your visits.
- Location information — The OneConsumer Platform and Services may collect your geolocation data when you access our website from a mobile device.
- Device information — We gather details about the device you use to interact with the OneConsumer Platform and Services, including your IP address or other device identifiers, web browser type, device type, and hardware and software settings.
Express Consent
By providing your details or documents through the Website, including, but not limited to, the personal information mentioned above, you explicitly consent to OCS (along with its marketing channels and business partners) contacting you via SMS, WhatsApp, push notifications, calls, and/or email, as well as follow-up calls related to the services offered through the Website. This may include providing product knowledge, promotional offers available on the Website, and various offers from our business partners.
The Website requires your consent for entering or uploading your personal information as necessary to process your application. Any personal information you enter or upload is needed to facilitate smoother, faster, and more paperless (to the extent possible) processing of applications for the financial products you choose or use.
To enhance our services, we may occasionally request additional information from you. Any collection of such additional information and documents will be subject to explicit, purpose-specific consent from all users.
Cookies and Other Technologies
When you visit or use the OneConsumer Services and Platform, we may send cookies or similar tracking technologies to your device.
Cookies
Cookies are small text files containing bits of information that are downloaded to your device as you browse the web. There are two main types of cookies:
- First-party cookies — Small text files that a website creates and stores on a user's device to enhance the user's experience.
- Third-party cookies — Cookies that are created and placed on a user's device by a third party, usually for advertising purposes.
How to control or delete cookies
Most browsers also allow you to adjust your cookie settings. These settings will typically be found in the “setting” menu of your browser. In order to adjust these settings, please consult the “Help” function of your browser or the documentation published online for your particular browser type and version.
Log Files
This information may include Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or Website functionality.
Information We Use
How We Use Your Information
Your information is an integral part of our operations, and we use it in a variety of ways in providing the OneConsumer Platform and Services and in operating our business. We may use the information collected for offering various purposes, including but not limited to the following:
- Improve the services offered through the website by sending communications, offer alerts relevant to your use;
- Create and maintain a trusted and safe environment on the website (such as complying with our legal obligations and compliance with our policies);
- Respond to queries or requests submitted by you;
- Anticipate and resolve problems with any services supplied to you;
- Notify you about changes to our services;
- Allow you to participate in interactive features offered through our Services;
- For any other purpose with your consent.
- Any information provided by you will be used for creating and updating your account and for providing you products and services or for any other purposes for which you have granted access to such information to us, based on your interaction with the Website.
We may also use the information collected to perform internal operations necessary to provide our services, including troubleshooting software bugs, conducting data analysis, testing, research, and monitoring usage and activity trends. We process this personal information for these purposes given our legitimate interest in improving the services.
How Long We Retain Your Personal Information
OneConsumer Services will retain your Personal Information only as long as necessary for the purposes outlined in this Privacy Policy, while you maintain an account, or as needed to provide the OneConsumer Services to you.
If you no longer wish for OneConsumer Services to use your information for the OneConsumer Services Platform, you can choose to close your account. OneConsumer Services Pvt Ltd will retain and use your Personal Information as necessary to:
- Comply with our legal or regulatory requirements (e.g., maintaining records of transactions you have made with us);
- Exercise, establish or defend legal claims; and/or
- Protect against fraudulent or abusive activities on the OneConsumer Platform and Services.
There may be instances where we cannot fully delete your information due to technical, legal, regulatory, or other operational reasons, such as if there is any outstanding dispute, or unresolved claims pending on your account. In certain circumstances, we will take reasonable measures to securely isolate your Personal Information from any further processing until we can delete it.
However, upon resolution of the issue preventing deletion, the information will be immediately deleted and can’t be recovered thereafter.
Rights of Customer
We believe you have rights concerning your Personal Information when you hold an account with us, including control over the data we collect and process. You may also choose to email
help@consumer.one from your registered account for any updation or deletions.
Information Security
We take appropriate security measures to protect against unauthorised access, including reviews of our data collection, storage, and processing practices, as well as security protocols such as encryption and physical safeguards to secure systems where personal data is stored. All information collected on our website is securely stored within a controlled database on servers located in India. Access to these servers is password-protected and strictly limited.
As an ISO/IEC 27001:2022 certified company, we have implemented industry-standard security controls to protect our customer’s data securely. Rest assured that, should we become aware of any security breach involving your data, we will take all necessary actions in accordance with these standards.
We have implemented appropriate technical and organisational measures to protect your personal information against unauthorised access, disclosure, alteration, or destruction. While we strive to protect your information to ensure our systems uphold robust security measures.
Confidentiality of Account
The User is solely responsible for maintaining the security of his/her account and must not provide these credentials to any third party. If you believe that they have been stolen or made known to others, you must contact us immediately at
help@consumer.one. We are not responsible if someone else accesses your account through the login credentials they have obtained from you or through a violation by you of this Privacy Policy.
Grievance Redressal
If you have any grievances or complaints, questions, comments, concerns, or feedback regarding the processing of information/data, this Privacy Policy, or any other privacy or security issues related to the Website, you can send an email to our grievance officer at
grievances@consumer.one.
Changes to this Privacy Policy
We retain the right to modify or update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We encourage you to regularly review this page and stay updated on any changes to this privacy policy.
