1. General
Bueno Gig Growth Technologies Pvt Ltd (“Bueno”, “we”, “our” or “us”) recognizes the importance of protecting personal details and information and provides this Privacy Policy with respect to the access and use of our services. By using our Services through the app, you signify your assent to this Privacy Policy and consent to the processing of your Information (Personal Information and/or Sensitive Personal Data or Information). If you do not agree with this Privacy Policy do not, in any manner, use our Services or download, install and/or use the mobile application.

2. Information Collection
We collect such information about you which is essential to operate our business and to enable us to deliver and improve our Services and offer you our new products. We may obtain the following information about you and your device from which you avail the services.

3. Installed Apps
Collects and monitors your usage of the installed apps, apps details and sizes, to provide you personalized loan offers.

4. Call history
Collects and monitors call logs to understand the affinity between you and your contacts for enriching your profile to improve our services.

5. Third Party Accounts
Bueno Finance collects and monitors your account information to verify your form filling information like your email account

6. SMS
Collects and monitors your SMS, addresses of senders and description of the messages to builld your social and financial profile and provide you better services

7. Storage
Allow you to upload documents and images when applying for loan. Also collects and monitors files metadata to provide you better loan offers.

8. Personal Information
Collects your personal details like name, email and mobile number to register and communicate with you for the loan application process.

9. Calendar
Bueno Finance collects and monitors information about your availability for verification and to schedule your EMI for your on-time repayment.

10. Camera
Allow you to click and upload pictures required for the loan application process

11. Contacts
App collects and monitors contacts and account access to automatically detect references information for network profiling to provide better loan offers.

12. Social Media
Collects and monitors information about you from social media like facebook to understand your social profile and provide you with loan offers.

13. Location
Collects and monitors location to identify unusual activity based on location to protect against fraud.

14. Purpose & Use of Information
We understand the importance of your Information and ensure that it is used for the intended purpose. By accepting the terms of use you agree that we may collect and store your Information, in accordance with the applicable law, as long as you subscribe to or use our Services subject to the limitations set out in this Privacy Policy.

(i) We require the profiling information which includes details such as identity details, contact details, usernames and passwords in order to manage our relationship with you and provide Services to you.

(ii) We collect and store your service usage and transactional information in order to enable you to view certain details of all your transactions which have been made using our Services, to provide you uninterrupted and satisfactory Services, to administer our relationship with you, to comply with any statutory or regulatory requirement, to monitor your use of our Services for the purposes of ensuring compliance with our user rules.

(iii) To improve our Services, we need to constantly update and alter our business and marketing strategies for which we require the navigational and log information to determine and analyse the merchants, markets, technology, operating systems, browsers, devices, locations from which our Services are used most or used least. For example, such information and its analysis will help us focus more on your needs by providing you a wider range of Services, or developing updates for particular operating systems and mobile application versions, etc. Further, the information collected helps us offer you other products, programs, or services that we believe may be of interest to you. In addition, such information collected will help us alert you in case of software compatibility issues.

(iv) We want to serve you better and therefore we require your correspondence information in order to enable us to learn about the information and content of communications by you such that we can deduce your feedback from such communications, analyse, endeavour to improve, ask you for further feedbacks, reply.

(v) The data collected by cookies helps us track, analyse and understand User trends so as to enable us to understand lacunas (such as slow response time on our website page) and improve your interactive experience of using our Services, our web design, features and functionalities.

(vi) We access data or information stored by third party in case required for providing you uninterrupted and satisfactory Services or in case consented by you.

(vii) For enabling you to make quicker transactions and relieving you from the hassle of copying/ keying in the OTP, we have developed advance technologies which would automatically retrieve the OTP and the mention the same in the relevant column of the transaction page.

(viii) Combinations of the information collected as mentioned in this Privacy Policy such as physical address, device information, email address when coupled with information which is not Information such as speed of typing, the maximum screen area usage, other patterns and data help us detect and protect Users and ourselves against errors, fraud, or other criminal activity.

Further, we may use the data and Information collected/ stored as mentioned above for improving our services, improving user experience, risk checks, strengthening our security checks, for analysis, for offering you new features in the existing services you are availing or offering altogether new product/ service which may be relevant for you and such other purposes. We collect and use some of your Information in an aggregated form to compile statistical and demographical profiles for our business and marketing activities and to customise our Services to you. It is clarified that the consolidated Information of all Users which has been collected by us or provided to us, is the property of Bueno and we may use it, in whole or in part, in our sole discretion and without any compensation to you, for any legitimate purpose and you hereby confirm that you have no objection to the aforesaid use of your Information.

15. Credit Bureau information
You authorize Bueno Finance to share your personal information with its group companies and other third parties, in so far as required for joint marketing purposes/offering various services/report generations /checking if you have a credit bureau presence with a credit information company and you also authorize credit information companies to confirm the fact of your bureau presence with them.

16. Changes to the Privacy Policy
Bueno reserves the right to change, modify, add, or remove portions of this Privacy Policy at any time for any reason.

17. Payment
You consent to make the payment as per the schedule. In case you fail to make the payment, Bueno reserves the right to collect money from you. This can be done either internally or through third parties. The same data would be reported to credit bureaus which can impact your credit history.