The Privacy Policy governs the use of this website 网站 (Website/Site) of PAL CREDIT & CAPITAL LIMITED values the privacy of the user (User).

In this policy, the words “we”, “our”, and “us” refer to PAL CREDIT & CAPITAL LIMITED and the privacy mechanism outlined herein sets out how your personal data or information and sensitive personal data or information (hereinafter referred to as ‘Personal Data’) may be collected, used and shared, and the choices you have regarding our use of this information.

By using the services, accessing the website, 网站 (“Website”), registering yourself on the Website and/or by otherwise giving PAL CREDIT & CAPITAL LIMITED any of your information/Personal Data, it will be deemed that you have carefully read, understood and agreed to the practices and policies outlined in this Privacy Policy and agree to be bound by the Privacy Policy. PAL CREDIT & CAPITAL LIMITED reserves the right to change, modify, add or delete portions of the terms of this Privacy Policy, at its sole discretion, at any time, without any prior or subsequent intimation. It is your duty to update yourself about any change, modification, addition or deletion in any portion of this Privacy Policy made by PAL CREDIT & CAPITAL LIMITED. If you do not agree with any change, modification, addition or deletion made in any portion of this Privacy Policy, at any point in time, do not use any of the services available on the Website or provide us any of your information.

If you use the services or access the Website on behalf of someone else or an entity (such as your employer), you represent that you are duly authorised by such individual or entity to accept and consent, on behalf of such person, to this privacy policy and the collection, use and disclosure of information of such individual or entity by PAL CREDIT & CAPITAL LIMITED.

We are committed to protecting your privacy. Authorized representatives of PAL CREDIT & CAPITAL LIMITED use any Personal Data received from you or a registered medical practitioner authorized by you strictly on a need-to-know basis. We constantly review our systems and data to secure your Personal Data. In case of a breach, we will investigate such actions with a view to prosecuting and/or initiating civil proceedings to recover damages against those responsible.

Any User who does not consent to this Privacy Policy or any part thereof is required to leave the Website immediately. Should you disagree with this Privacy Policy and still continue to access the Website, PAL CREDIT & CAPITAL LIMITED disclaims all liabilities arising from your use of the Website in accordance with this Privacy Policy.

Applicability

This Privacy Policy applies to all Users who access the Website and are, therefore, required to read and understand the Privacy Policy before submitting any personal data.

Personal Data shall include the information which identifies the User, including name, identification number, email address, age, phone number, password, KYC’s details or any other financial/personal information, provided to PAL CREDIT & CAPITAL LIMITED through our Website, in email, text, forms and other electronic communication received through or in connection with our Website.

This Privacy Policy applies to Website and services that are owned and operated by PAL CREDIT & CAPITAL LIMITED. PAL CREDIT & CAPITAL LIMITED does not exercise control over the third party websites linked to the Website. Third party websites may place their own cookies or other files on the User’s computer, collect data or solicit personal information from the User, for which PAL CREDIT & CAPITAL LIMITED is not responsible or liable. Accordingly, PAL CREDIT & CAPITAL LIMITED does not make any representation concerning the privacy practices or policies of such third parties or terms of use of such websites, nor does PAL CREDIT & CAPITAL LIMITED guarantee the accuracy, integrity, or quality of the information, data, text, software, sound, photographs, graphics, videos, messages or other materials available on such websites. The inclusion or exclusion of third-party links does not imply any endorsement by PAL CREDIT & CAPITAL LIMITED of the website, the website provider, or the information on the website. PAL CREDIT & CAPITAL LIMITED encourages the User to read the privacy policy and terms of use of any third-party website the User has been directed/redirected/linked to.

Right to Erasure/Modification

PAL CREDIT & CAPITAL LIMITED recognizes your right to have your Personal Data deleted in case you withdraw consent, or the Personal Data is no longer necessary for the purpose for which it was originally collected and processed. For such erasure, Users shall have to make a request to PAL CREDIT & CAPITAL LIMITED in writing.

If any part of the Personal Data provided by you is wrong, you can request us to modify or delete the same. PAL CREDIT & CAPITAL LIMITED will take all reasonable measures to ensure that the information is modified and used for rendering services to you and as otherwise in compliance with law. When editing or deleting personal information, we may ask you to verify your identity before we can act on your request.

PAL CREDIT & CAPITAL LIMITED may at its discretion reject any request that is contrary to law or requires unreasonable technical efforts. We do not assure that we will

delete all residual copies and archives made by any third party without our knowledge and consent.

Security

PAL CREDIT & CAPITAL LIMITED has taken all reasonable precautions in accordance with industry standard to treat Personal Data as confidential. PAL CREDIT & CAPITAL LIMITED has implemented security infrastructure to protect from unauthorized access, improper use, disclosure, modification and unlawful destruction or accidental loss of Personal Data.

All PAL CREDIT & CAPITAL LIMITED employees and data processors, who have access to and are associated with the processing of personal data, are obliged to respect the confidentiality of every User’s Personal Data.

Privacy of KYC

PAL CREDIT & CAPITAL LIMITED shall maintain the privacy aspects of KYC’s.

Amendment

PAL CREDIT & CAPITAL LIMITED may update or amend this Privacy Policy at any time, with or without advance notice. If there are significant changes in the way

PAL CREDIT & CAPITAL LIMITED treats sensitive personal data, PAL CREDIT & CAPITAL LIMITED will display a notice on the Website or send Users an email. PAL CREDIT & CAPITAL LIMITED‘s current Privacy Policy applies to all information that PAL CREDIT & CAPITAL LIMITED has about Users and their account.

Notwithstanding the above, PAL CREDIT & CAPITAL LIMITED shall not be required to notify the Users of any changes made to the Privacy Policy. Should you have any concern or reject the changes in the Privacy Policy. you can refuse to accept the amendments and opt for erasure of your Personal Information by writing to us.

Non-Binding

Please note that this privacy policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.

Prohibited Actions While using this Site, you agree not to, by any means (including hacking, cracking or defacing any portion of the Site) indulge in illegal or unauthorized activities including the following:

• Restrict or inhibit any authorized user from using this Site

• Use the Site for unlawful and illegal purposes

• Harvest or collect information about Site users without their express consent

• Transmit any software or other materials that contain any virus, time bomb, or other harmful or disruptive component

If you have any compliant or grievance with respect to this Website or this Privacy Policy, please write to us at [email protected]