THIS DOCUMENT IS AN ELECTRONIC RECORD IN TERMS OF THE INFORMATION TECHNOLOGY ACT, 2000 AND RULES MADE THEREUNDER. THIS ELECTRONIC RECORD IS GENERATED BY A COMPUTER SYSTEM AND DOES NOT REQUIRE ANY PHYSICAL OR DIGITAL SIGNATURES.
THIS DOCUMENT IS PUBLISHED IN ACCORDANCE WITH THE PROVISIONS OF RULE 3(1) OF THE INFORMATION TECHNOLOGY (INTERMEDIARIES GUIDELINES AND DIGITAL MEDIA ETHICS CODE) RULES, 2021 THAT REQUIRES PUBLISHING THE RULES AND REGULATIONS, PRIVACY POLICY AND TERMS OF USE FOR ACCESS OR USAGE OF THE PLATFORM.
We, Desiderata Impact Ventures Private Limited, are registered and headquartered at 1st Floor, C-3, Qutab Institutional Area, Katwaria Sarai, New Delhi -110016, India (Progcap / ProgCap / We / Our).
We provide financial opportunities for micro and small businesses in the last mile (applying as individuals or individuals acting in the capacity of duly authorised representatives of juristic persons, in each case hereinafter referred to as Customer / You / Your) . We facilitate online access to information about ProgCap and the products, services, and opportunities We provide at ProgCap either directly or through Our partner financial institutions (Services). At Progcap, We value Your trust and respect Your privacy. This privacy policy (Privacy Policy) provides You with details about the manner in which your data collected, stored and used by us. You are advised to read this Privacy Policy carefully. By using the mobile application, website mobile WAP site, You expressly give us consent to use and disclose Your personal information in accordance with this Privacy Policy.
Unless otherwise specifically defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in Our Terms and Conditions, which is accessible at Progcap.
This Privacy Policy provides you with details about the manner in which your data collected, stored and used by us.
You are advised to read this Privacy Policy carefully. By using the mobile application, website mobile WAP site, you expressly give us consent to use and disclose your personal information in accordance with this Privacy Policy.
The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at Progcap unless otherwise defined in this Privacy Policy.
We may update Our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. These changes are effective immediately after they are posted on this page. This Privacy Policy shall apply uniformly to Progcap mobile applications, website mobile WAP site including the platform accessible at [https://www.progcap.com/] (“collectively referred to as Platform). We will not be liable for any failure or negligence on Your part to review the updated Privacy Policy before accessing Our Platform. Your continued access / usage of our websites, following changes to this Privacy Policy, will constitute Customer’s acceptance of those changes on our Platform.
Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as name, address, mailing address, telephone number, email id, loan account details and any details that may have been voluntarily provided by the user in connection with availing any of the Services by Progcap.
When You browse through Progcap, We may collect information regarding the mobile/ tab device details, domain and host from which You access the internet, the Internet Protocol [IP] address of the computer or Internet service provider [ISP] You are using, and anonymous site statistical data.
The authenticity of the Personal Information provided by you shall not be the responsibility of Progcap.
Progcap may, for the purpose of providing Services to You, collect the following types of Personal Information:
Financial Information: Includes any information collected from you regarding your businesses, income, expenses, immoveable assets, moveable assets, loans outstanding, repayment history, guarantors, or collateral bank account or other payment instrument details; or any other detail which may be required by Progcap for providing Services.
Non-Financial Information: Includes any information collected from the Customer that is about his/her family, health, consumption behaviour, personal preferences, attitudes, beliefs or living conditions. It may include the following: Name, gender, residential / correspondence address, telephone number, date of birth, marital status, email address, PAN, KYC (Business & Personal) details, transaction details from bank statement, Credit bureau details, signature and/or photograph.
For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to mobile number, city, country, region (“PII”). The information that we request will be retained by us and shared with Partner Financial Institutions and used as described in this privacy policy.
We use personal information to provide you with Services and products you explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, collect repayments etc.
The Personal Information is collected and used for specific business purposes including but not limited to:
We will not use your email address/mobile number for unsolicited emails and/or SMS. Any emails and/or SMS sent by Progcap will only be in connection with the provision of agreed service products and this Privacy Policy. If you are no longer interested in sharing your PII or wish to change/ modify the PII, please e-mail your request to support@progcap.com.
The app does use third party services that may collect Personal Information . The list of such third party services is provided here: https://www.progcap.com
The Personal Information collected by Progcap shall not be disclosed to any other organization except in the following cases:
where the disclosure has been agreed upon in a written contract or otherwise between Progcap and You, except where the disclosure is required under law;
disclosure is to RBI/SEBI/ NSE/ BSE/ MCX / Credit Information Companies, Asset Management Companies of Mutual Funds /Registrar and transfer Agents / collecting banks / KYC Registration Agencies and other such agencies, solely for the purpose of processing your transaction requests;
to process loans with any bank/non-banking financial company/other financial institution where Progcap is acting as Lending Service Provider/DLA/agent/banking correspondent or in any similar capacity under a valid contract;
as part of valid contracts with service providers/research agencies/external consultants, etc.;
furnished pursuant to any directions of a governmental authority or court of law.
Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.
Progcap uses cookie and tracking technology depending on the features offered. No personal information will be collected via cookies and other tracking technology; however, if you previously provided PII, cookies may be tied to such information. Also, the app may use third party code and libraries that use “cookies” to collect information and improve their services.
Progcap shall not retain or store Personal Information for periods longer than is required under applicable law or required by any partner financial information except when such information may lawfully be used or is otherwise required under any other law for the time being in force or for the purpose of fraud prevention or regulatory compliance.
By agreeing to avail the Services offered by Progcap, You have agreed to the collection and use of Personal Information by Progcap. You have the right to refuse or withdraw your consent to share/disseminate Personal Information by contacting the Grievance Redressal Officer (contact details specified below) of Progcap. However, in the event of Your refusal or withdrawal of consent, You shall not be able to avail any Services of Progcap to the fullest extent.
We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. Progcap has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control.
All computer desktops, laptops, hard drives, and portable media are processed for proper disposal. Paper and hard copy records shall be disposed of in a secure manner. The destruction of data shall address the following:
evaluation and final disposition of sensitive information, hardware, or electronic media regardless of media format or type.
procedures may include shredding, incinerating, or pulp of hard copy materials so that Sensitive Personal Data or Information cannot be reconstructed.
Electronic Media (physical disks, printer and copier hard drives, etc.) shall be disposed of by one of the methods:
i. Hard drives are formatted on zero level [OR] Hard drive is crashed
AWS Server – Data is stored on virtual drives, upon termination of instance the virtual drive is permanently deleted.
This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
These Services do not address anyone under the age of 13. We do not knowingly collect PII from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.
If You have any questions or suggestions about Our Privacy Policy, do not hesitate to contact us. In accordance with the Information Technology Act, 2000 and Rules made thereunder, the name and contact details of the Grievance Redressal Officer are provided below:
Name: Jeetendra Singh Patwal
Contact Number: +91- 7669302039
Email ID: jeetendra.patwal@progcap.com
Address:
Desiderata Impact Ventures Private Limited, C-3, Block C, Qutab Institutional Area, New Delhi, Delhi – 110016
Timing: Mon - Fri (10:00 am - 6:00 pm)
Progcap(Desiderata Impact Ventures Private Limited) is an award-winning financial technology firm that aims to revolutionize the path of providing financial access to underserved segments of the Indian retail economy and empower promising enterprises with capital for progress. We work across the entire retail ecosystem and supply chain with our end-to-end financial services and solutions.
