Your personal data/information will be collected and stored on servers located in India by Edullin Private Limited, in collaboration with its service partners, representatives, affiliates, and business partners.
The information we receive from you plays a crucial role in personalizing and enhancing your experience on the Website. When you enter or upload any information or documents on our Website or provide them to us through other means, we use this information in accordance with the product or service you have chosen and as required by us or our business partners. This may include personal details such as your first name, last name, email address, date of birth, residence city, and more.
We want to assure you that we neither collect nor store your biometric information. We only retain such information for the purpose of fulfilling our on-boarding or Know Your Customer (KYC) requirements, with your explicit consent. This is done in compliance with the Digital Lending guidelines issued by the Reserve Bank of India (RBI), subject to any amendments made from time to time.
Edullin collects your information when you register for an account or utilize its services for loan acquisition. When registering on fundmygrad.com, you will be requested to provide details such as your first name, last name, state and city of residence, email address, college you are applying to or have been admitted to, desired loan amount, and collateral options, if applicable. Once you complete the registration process and sign in, you will no longer be anonymous to us.
During registration, you will also be asked to provide your contact number along with mail id, and you may receive SMS, Email or WhatsApp messages regarding our services. By registering, you authorize Edullin and fundmygrad.com, including their business partners and affiliates, to send texts, email alerts, promotional mails, and SMS to you, even if you have registered under the Do Not Disturb (DND), Do Not Call (DNC), or National Customer Preference Register (NCPR) services. This authorization remains valid as long as your account remains active, unless you choose to deactivate it by contacting us in writing.
These third parties are obligated to handle your information with the same level of care and confidentiality as Edullin, and any access or processing of your information by these parties is conducted in accordance with contractual terms, applicable laws, our instructions, and subject to your consent.
We strictly limit the collection and use of your personal information. We may aggregate and anonymize personal information, disclosing it only in a non-personally identifiable manner. Such information does not individually identify you.
In certain circumstances, we may share your information with government agencies as mandated by law, for the purposes of identity verification, prevention, detection, investigation (including cyber incidents), prosecution, and punishment of offenses, or where disclosure is necessary to comply with a legal obligation. By using the Website, you agree and consent to the disclosure of your information, if required, under applicable law.
Edullin ensures that your personal information is securely stored in our dedicated servers. We may retain your information, including personal details, for as long as it is necessary to provide you with the services related to the product you have inquired about or opted for. This retention period is determined by the purpose mentioned above and any obligations outlined in our agreements with business partners.
The retention of information follows the guidelines set forth in this policy, while also complying with applicable laws and regulatory requirements in India. Our aim is to balance the need to retain your information for operational purposes with the importance of safeguarding your privacy and complying with legal obligations.
Similar to many other websites, we utilize log files to enhance our services and analyze user behaviour. These log files may contain details such as internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and the number of clicks. This information helps us identify trends, administer the site, track users' overall movement, and gather general demographic information for statistical purposes.
To improve the services, we provide to you and enhance marketing, analytics, and site functionality, we may combine this automatically collected log information with other data we gather about you. This amalgamation of information enables us to deliver a more personalized and efficient user experience.