Kaen Mobile is committed to protecting its Website visitors and mobile Application users’ privacy (such visitors and users, hereinafter collectively referred to as “Users” or “You” or “Your”). The following Privacy and Cookie Policy outlines the information Kaen Mobile (hereafter “Kaen Mobile”, “We” or “Us”) may process and how we may use that information to better serve Users while using our Website (the 'Website'), our mobile customer application (the 'Application') and our services (collectively the "Services").
Kaen Mobile is a digital lending platform developed, managed, and operated by Thai Inter Import and Products Co., Ltd.. The platform is designed to provide users with seamless and convenient access to personal loan services. All loan products available through the app are exclusively provided by HI-WAY COMPANY LIMITED, a trusted financial institution. Thai Inter Import and Products Co., Ltd. ensures a secure and user-friendly experience, while ECL FINANCE LIMITED handles the underwriting and disbursement of loans, adhering to all applicable regulations and standards.
COLLECTED DATA
The platform collects various types of information from users, including but not limited to:
You explicitly consent to us collecting your information, including but not limited to your name, email address, phone number, home details, and other details shared through media. It also includes information such as usernames, account details, passwords, and other personal identity information. When you register on our platform and use our services, we will collect relevant information from you.
Information collected from your registration and use of our services includes:
a) Your name, address, date of birth, contact information (email ID and phone number), marital status, PAN number, the bank name where you hold the main account, bank statements, salary slips, etc.;
b) Detailed information about your job, including work experience, income details, the name of your current employer, and detailed office address;
c) Credit-related information collected from other channels such as Credit Information Companies (CIC);
d) Verification of your identity to be genuine and unique, such as proof of a valid address, PAN card, Aadhaar, biometric authentication, etc.;
e) Your unique identifiers, such as usernames and passwords, preference information, and transaction history;
f) Any other information required to be collected as per specific authorization from the Reserve Bank of India or applicable Indian laws;
g) Electronic information from you – such as pages viewed, how you navigate the platform, and interactions with the platform.
The information collected from you will help us provide services to you, and personalize, maintain, and improve our services.
PURPOSES FOR STORAGE OF YOUR PERSONAL DATA
A. OPTIMIZATION OF WEBSITE & APPLICATION
When You visit the Website, the administrator processes technical data such as Your IP-address, visited web pages, the internet browser You use, Your previous/next visited websites and the duration of a visit/session, to enable us to deliver the functionalities of the Website. In addition, in certain instances the browser may prompt You for Your geo-location to allow us to provide You with an enhanced experience. With this technical data the Website administrator can manage the Website, for instance by resolving technical difficulties or improving the accessibility of certain parts of the Website. This way, we ensure that You can (continue to) find the information on the Website in a quick and simple manner. When You use the Application, we also process technical data such as Your IP-address, Device ID or MAC-address, and information about the manufacturer, model, and operating system of Your mobile device. Kaen Mobile may also process other data from Your phone such as contact list, location, SMS, information on usage of other apps, photo gallery, phone camera, etc. based on Your consent at the time of installing the Application or subsequent updates. We may also access information on other applications in Your phone based on the access settings or criteria of those applications. Kaen Mobile will use this data to enable itself to deliver the functionalities of the Application, resolve technical difficulties, and provide You with the correct and most up-to-date version of the Application and to improve the function of the Application.
B. OPTIMIZATION OF CUSTOMER SERVICE
When You register as a User, we will collect Your name, email address, country, language, password, mobile phone number, IP-address, Device ID. We will use Your contact details to send You a welcoming email/message to verify Your username and password, to communicate with You in response to Your inquiries, and to send You service-related announcements, for instance, if our Services are temporarily suspended for maintenance. We will use Your registration information to create and manage Your User account. We may deactivate Your account if we suspect that You use our Application to commit fraudulent or illegal acts or if You violate our terms of use.
C. PERSONAL INFORMATION
When you use our provided applications, websites, or related services, you will not disclose any personal information to other users unless you disclose it to potential donors as a beneficiary or as a party applying for a loan. You are the beneficiary or donor under the contract. When you use the Kaen Mobile application, website, or related services, Kaen Mobile may also collect partial payment data and other information related to your transactions using debit cards, credit cards, online banking services, e-commerce websites and applications, and mobile wallets through the following means: accessing, collecting, and analyzing your SMS inbox. Kaen Mobile may also collect information about your contact list, location, and other application usage on your mobile phone to understand your behavior. Kaen Mobile will only do so with your prior consent. Kaen Mobile may also record the identity of products or services associated with such SMS messages, as well as the paid or payable prices or fees associated with such products or services.
D. DISCLOSURE OF YOUR DETAILS
We may employ third party firms and individuals to facilitate or provide the Services on our behalf, to process payment, provide customer support, to perform Website-related or Application-related services (e.g., without limitation, maintenance services, database management, web or app analytics and improvement of the Website's or Applications features) or to assist us in analyzing how our Services are used. These third parties may have access to Your personal information only to perform these tasks on our behalf and are contractually bound not to disclose or use it for any other purpose. Kaen Mobile will disclose Your personal data to the extent that this is legally required, or necessary for the establishment, exercise or defense of legal claims and legal process; or in the event of an emergency pertaining to Your health and/or safety. If You believe that any information we are holding on You is incorrect or incomplete, please write or email us at Kaen Mobile.in@gmail.com as soon as possible. We will promptly correct any information found to be incorrect.
E. HOW WE USE COOKIES
A cookie is a small file which asks permission to be placed on Your computer's hard drive. Once You agree, the file is added and the cookie helps analyze web traffic or lets You know when You visit a particular site. Cookies allow web applications to respond to You as an individual. The web application can tailor its operations to Your needs, likes and dislikes by gathering and remembering information about Your preferences. We use traffic log cookies to identify which pages are being used. This helps us analyze data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system. Overall, cookies help us provide You with a better website, by enabling us to monitor which pages You find useful and which You do not. A cookie in no way gives us access to Your computer or any information about You, other than the data You choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but You can usually modify Your browser setting to decline cookies if You prefer. This may prevent You from taking full advantage of the website
F. LINKS TO OTHER WEBSITES
The Website may contain links to other websites of interest. However, once You have used these links to leave the Website, You should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information, which You provide whilst visiting such sites and this privacy statement does not govern such sites. You should exercise caution and look at the privacy statement applicable to the website in question.
G. DATA STORAGE
We will retain your data until you request an account deletion. Specifically, your data will be retained for 15 days after you successfully submit a request for account deletion. After this 15-day period, we will permanently delete all relevant data.
H. DATA DELETION
When you wish to cease using and cancel your account, you can contact our customer service. We will ask you to provide account and related information to verify your true identity. After verification, we will initiate the account deletion and related processes. Your account will be retained for 15 days after you successfully submit a request for account deletion. After this 15-day period, we will permanently delete all relevant data.
I. CHANGES IN THIS PRIVACY POLICY
We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify You by email or SMS message and by means of a notice on the Website prior to the change becoming effective. We encourage You to periodically review this page for the latest information on our privacy practices.