PRIVACY POLICY

Gagan Metal Limited (hereafter referred to as "Gagan Metal/we/our") recognizes that its customers (hence referred to as "customer/you/your") have expectations about the security, privacy, and confidentiality of the personal data that Gagan Metal holds. Gagan Metal places a high premium on protecting personal data and preventing its exploitation. We have taken all necessary and reasonable steps, by existing laws and regulations as well as best industry standards, to ensure the confidentiality of your personal information and its transmission through our website because we are committed to protecting the privacy of our customers.

Loan Finserve is a product that Gagan Metal, a Non-Banking Financial Company (NBFC), provides. This Privacy and Security Policy (henceforth referred to as the "Policy") describes how we use and safeguard the personal information you provide to us on www.gaganmetal.com (henceforth referred to as the "Website") and how we use that information about the services provided through the Website (henceforth referred to as the "Service"). It is necessary to read our General Terms of Use in addition to this Policy.

We declare that Gagan Metal has a great commitment to safeguarding its clients' privacy. We have put strong security measures in place to guarantee the confidentiality of your data. To stop illegal access and data breaches, this includes encryption mechanisms, safe data storage options, and frequent security assessments. The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data of Information) Rules, 2011 under the Information Technology Act, 2000, as well as other relevant laws and regulations, are the basis for the publication of this policy. When sensitive personal data or information is collected, used, stored, disclosed, or transferred, these requirements mandate the issuance of a privacy notice.

PERSONAL INFORMATION

Any data, records, or particulars about a natural person that, when paired with other information Gagan Metal Limited has access to, might directly or indirectly identify that person are referred to as personal information ("PI").

APPLICABILITY

• This policy covers Personal Information (PI) including your name, address, nationality, marital status, date of birth, gender, contact information, mobile number, state or city of residence, residential address, email address, user IDs, passwords, recent photo, signature image, income proof, PAN, credit score, credit information report, e-KYC through UIDAI, Aadhaar-based e-Sign, and other Know Your Customer (KYC) documents like identity proof, address proof, and officially valid documents/details (OVDs) accepted for finalizing a financial transaction. When you use the website or any of its products, you may share or upload this information, and Gagan Metal Limited may receive notice of it.
• By utilizing our website and/or visiting it, you accept this policy. All visitors to the website, both past and present, are covered by this policy. It is highly advised that you frequently check this page to see the most recent version of the Policy.
• Without giving prior notice, Gagan Metal retains the right, in its sole discretion, to alter or amend this Policy. You agree to the updated or changed Policy if you keep using or accessing this website. Before the changes take effect, we will send you an email at the address you provided when creating your account or post a notice on this website if we make any significant changes to the Policy.

WHICH PERSONAL DATA WE COLLECT ABOUT YOU

Our ability to customize and continuously enhance your experience on the Gagan Metal Limited website is made possible by the information we get from consumers. These are the categories of data that we collect:

• Information You Provide: Any information you enter on our website or provide to us in any other way is received and stored by us. Although you have the option to withhold certain information, doing so can limit your ability to utilize all of our features and services.
• Automated Data: Every time you connect with us, various sorts of information are sent to and stored by us. For instance, when your web browser accesses the Website or adverts and other material offered by or on behalf of the Website on other websites, we employ "cookies" and collect certain types of information. Additionally, we might get and keep data about your whereabouts and mobile device, including your unique ID.
• Data from Additional Sources: We may add information to our account information that we get about you from other sources.

GIVE YOUR CONSENT

• By using the Gagan Metal Limited website and submitting your contact information, you hereby confirm that you are interested in finding out more about, taking advantage of, and/or buying any number of goods, services, offers, campaigns, or other promotional materials that Gagan Metal or any other third party may from time to time provide, share, or send to you via any channels, including but not restricted to the phone, SMS (short messaging service), email, WhatsApp, or any other messaging service/mobile application, or any other physical, electronic, or digital means/mode. By signing this agreement, you accept that Gagan Metal may get in touch with you by phone or email to find out if the chosen goods and services interest you, fulfil your request, or finish your application. Furthermore, by using this website or any other channel—including but not limited to phone, SMS, email, WhatsApp or any other messaging service/mobile application, or any other physical, electronic, or digital means or mode—you also specifically consent to and authorize Gagan Metal and its partners, service providers, vendors, and other third parties to contact you to offer or invite your interest in availing yourself of other products or services offered by third parties, or for sending other marketing campaigns, offers, or any other information. You permit Gagan Metal to use your information for marketing purposes, to offer you other products and services, to cross-sell your other products and services, or to provide you with other value-added services related to the services you have chosen or generally about other purposes, as well as for any other reason required. You consent to receive communications from Gagan Metal or such third parties via email, phone, WhatsApp, SMS, or any other type of messaging or communication service. Additionally, you acknowledge that Gagan Metal retains the right to share your information with any third party or its partner banks and financial institutions and that you could get information requests from these parties via SMS, WhatsApp, phone, email, or other means.
• Using the website may also require you to permit the entry of your Personal Information ("PI"), which may include sensitive personal information as defined by applicable law and/or any other personal data. You may also permit Gagan Metal to obtain your data/information from a public registry or other sources, as may be required to complete your application or profile on the website, perform due diligence on you, determine your suitability for the products/services, carry out Know Your Customer ("KYC") checks by Gagan Metal or any other third party, and/or process your application through this website.Gagan Metal will not be held responsible for any claims or liabilities that may result from these transactions, nevertheless, as all personally identifiable information is gathered, utilized, processed, and shared with your express consent.
• You hereby permit us to share your personally identifiable information (PI) with third parties, such as Credit Information Companies ("CIC"), so they may compile your credit profile and provide you with offers and communications that are specifically tailored to your needs.
• If you would like to stop sharing your PI, send an email to Support@gaganmetal.com expressing your desire. Please be aware that processing your request could take up to 72 business hours. You specifically consent to the Do Not Call (DNC) and Do Not Disturb (DND) registrations on your phone and mobile numbers being used to contact you for such purposes as part of your use of the Website. Therefore, for whatever number you may have left on our website, there won't be a DNC or DND check needed. These methods of getting in touch with you could be making phone calls or sending SMSs.
• When Gagan Metal believes, in its sole discretion that the sharing of such information is necessary or reasonable under the laws currently in effect, it will communicate or disclose your personally identifiable information (PI) with others. You grant Gagan Metal express permission to do so.

REPORT OF CREDIT INFORMATION

• Credit Information Companies (CICs) perform a "soft search" of your credit records to retrieve your credit information, including your credit score and credit information report. Gagan Metal Limited has no control over the veracity or quality of the data that CICs submit. Only when you consent to designate Gagan Metal as your legally authorized agent or representative to retrieve your credit information from CICs will we acquire this information from CICs on your behalf? You acknowledge that Gagan Metal and the CICs may depend on the authorization and consent you have supplied by allowing Gagan Metal to use and obtain your credit information report.
• To access your credit information via Gagan Metal, you must complete the necessary identification authentication for security and privacy reasons. You will not be allowed to view or use your payment information if you are unable to pass such identity authentication, and Gagan Metal will not provide you with an explanation for why you failed.
• To assist you in better understanding and managing your credit score or rating, Gagan Metal may profile and analyze your credit information. This includes finding and educating you about credit products that are appropriate for your situation, providing further advice on enhancing your credit history and score and giving you information to help you make wise financial decisions. Please see Gagan Metal's Terms of Service for the Credit Information Report for further information.

OPT-OUT

If you would prefer not to receive telemarketing calls, please send an email from your registered email address to privacy@gaganmetal.com with the information needed below, including the phone number(s) you desire to opt out of. Within 15 working days, your number(s) will be removed from our telemarketing lists, and your information will be kept private.

Information to Provide

First name, last name, country, state, city, email address, mobile number, landline phone number, and mandatory fields the ten-digit cellphone number you own.

Send an email to support@gaganmetal.com with your full name, phone number, and email address if you would like all of your information permanently removed from our database. Within fifteen working days, the confirmation will be issued.

PURPOSE AND USAGE

An NBFC, Gagan Metal Limited, promises not to rent or sell your personal information (PI) to third parties for unsolicited commercial uses that go outside the terms of this privacy policy. Nonetheless, we might give an affiliate or business partner access to your information. In the event of a sale, merger, reorganization, or consolidation of any portion of our business, Gagan Metal may furthermore share, sell, and/or transfer your PI to any successor-in-interest. Any natural person, corporation, partnership, limited liability company, trust, unincorporated organization, or other entity is referred to as a "Person" in this privacy policy. We only gather and utilize a certain amount of personal data. We have the option to aggregate or anonymize personal data before disclosing it in a way that makes it impossible to identify an individual. You are not personally identified by this information. We rigorously restrict access to your account information and other personally identifiable information, and we only use it to operate, develop, and enhance our services through our Privacy Policy and certain internal procedures. To be able to offer our services to you, we sometimes work with other service providers.

Without your prior written consent, we may also disclose your information to government agencies required by law to obtain information for identity verification, cyber incident prevention, detection, prosecution, and punishment, or where disclosure is required for legal compliance. If required by relevant law, you agree and consent to Gagan Metal disclosing your information.

On our website, third parties—lenders, banks, and credit card issuers—offer a variety of goods and services, including mutual funds, credit cards, and loans. If you decide to apply for these goods or services and give these providers access to your information, Gagan Metal's Privacy Policy and its privacy policies will control how they use it. The privacy practices of these third parties are not within our control. When you apply for these third parties' goods or services, we urge you to visit their websites and read about the privacy policies and practices they have implemented.

• Your information could be used by Gagan Metal to:
• Inform you about the goods, services, and special deals that Gagan Metal, its business partners, and other third parties are offering.
• Help external parties, such as our service providers and business partners, with the processing of your applications, payments, and the delivery of goods and services to you.
• Deliver to you offer alerts, administrative messages, and other correspondence about your usage of the website.
• Provide you with personalized product offers and let you apply for specific goods and services.
• Provide you with details regarding exclusive deals or promotions that Gagan Metal or its associates are offering. Additionally, we may notify you about new features, offerings, or services—whether they are our own or belong to outside companies that we work with.
• Plan projects, carry out market research, troubleshoot problems, and identify and stop fraud, error, and other illegal activities.
• Enhance our offerings and better manage our connections with clients, offering you location-based services like search results, advertisements, and other tailored content.
• Comply with the general terms of use of Gagan Metal.
• Adhere to all relevant legal and regulatory requirements.

You also agree and consent to us using your information for the reasons specified in this Privacy Policy, including gathering, storing, processing, exchanging, and transferring it with other parties or service providers, including sensitive personal information.

Your name, email address, mobile number, date of birth, employment type, residency status, income details/proofs, Form 26AS, PAN, loan/credit card/mutual fund application details, and status may be shared with a partner if you use our services through them, whether through our Website or a co-branded URL. Gagan Metal has business relationships with these partners, thus if you applied through our website, a co-branded URL, or any other website, you cannot choose not to share your information with them.

We require you to provide or upload information such as your name, parentage, marital status, email address, nationality, location, mobile number, PAN, employment & income details/proofs, Form 26AS, recent photograph, signature image, KYC documents, and personally identifying information about a potential co-loan applicant, if selected, to use our services, which include applying for a credit information report, loan, credit card, mutual fund, or other financial products. Also, to engage on our message boards, you need to supply a username.

By changing the settings on your browser, you may always choose not to use location-based services.

To enable Gagan Metal to obtain your account information from other financial institutions, you must submit your third-party account credentials ("Account Credentials") along with your loan application to electronically attach your pay stub or bank statement ("Account Information"). Your account credentials are not kept in our system; they are only used once to access your pay stubs and bank statements. Any claims resulting from such voluntary transactions will not be covered by Gagan Metal. To offer you our services—such as emailing you or hosting a feature or functionality of the Service—we could work with other service providers. Our agreements with these third parties specify how your information should be handled and are prohibited from using any of your personally identifiable information for unrelated reasons. We demand that these third parties protect the privacy of the data that is given to them.

DISCLOSURE AND/OR EXCHANGE

Your personal information (PI) is treated with the utmost privacy and secrecy by Gagan Metal Limited, an NBFC. Your PI is never disclosed by us unless required by law or with your express permission. Only the following circumstances allow for the sharing of specific customer account information or other personally identifiable data with third parties:

• To assist in finishing a transaction that you started.
• To carry out support services via an outside service provider, given that it complies with Gagan Metal's privacy statement.
• When you have expressly permitted it, whether by acceptance of the website's general terms of use or another way.
• In situations when disclosure is required by law, such in the case of a subpoena or other comparable legal procedure.
• When we sincerely think that disclosure is required to uphold our legal rights, guarantee our safety or the safety of others, look into possible fraud, or comply with a request from the government.

On our website, third parties—lenders, banks, and credit card issuers—offer a variety of goods and services, including mutual funds, credit cards, and loans. The way these providers use the information you supply them when you apply for these products or services is controlled by their privacy policies. Regarding these third parties' privacy practices, Gagan Metal has no control over them.Without obtaining further permission from you, we may share your information with other third parties, including affiliates, service providers, marketers, credit information firms, fraud prevention organizations, and marketing channels.

CUSTOMERS' NOTIFICATION OF CHANGES TO PERSONAL INFORMATION

We guarantee the accuracy and timeliness of your personal information (PI) as an NBFC providing Loan Finserve, Gagan Metal Limited. You can update your personal information (PI) the next time you apply for a new product through our website if there are any changes after you apply for a product on our website. While your application is being processed, please email support@gaganmetal.com to review and update your PI. Please be aware that you will not be able to amend the information you submitted once your application has been decided upon. You can, however, start over and submit a fresh application with your amended data.

Your information will be kept on file for as long as your account is active or as long as it's required to deliver services to you. Please email us at support@gaganmetal.com if you would like to request that we stop using your information to deliver services or to terminate your account. We promise to reply to your request promptly. Please understand, however, that we will keep and utilize your information as needed to fulfil our legal requirements, settle legal disputes, and uphold our agreements.

We at Gagan Metal Limited are dedicated to protecting the confidentiality and security of your data, making sure that any upgrades or modifications are managed effectively and by all relevant laws and regulations.

COMMUNICATIONS FROM US AND OUR PARTNERS VIA EMAIL AND SMS

We at Gagan Metal Limited appreciate our customers' participation and send out emails, phone calls, and notifications via WhatsApp, SMS, and email regularly. Additionally, registered users have the option to receive sporadic advertising mailings and email newsletters regarding Gagan Metal or other products. Users can follow the instructions in the emails to stop receiving promotional emails and to cancel their newsletter subscriptions. Nevertheless, the ability to unsubscribe from promotional communications has no bearing on the delivery of emails, SMS, or WhatsApp alerts about service, which are necessary for account maintenance and updates. Similar services are also provided by our partners.

EXTENDED POLICY DETAILS

Gagan Metal Limited values openness and makes an effort to give you accurate information about our privacy policies. Here are some more specifics on how we manage the personal data we collect:

• Gadgets: Widgets are interactive mini-programs that offer particular services from other firms (e.g., presenting news, opinions, music). You may find them on our website. Your email address and other private information might be gathered by these widgets. Widgets may also need cookies to function properly. Please be aware that Gagan Metal Limited is not responsible for the privacy policies of the firms that make widgets; rather, those policies govern the collection and use of information by widgets.
• One-Time Sign-On: You can choose to use an Open ID provider or sign-in services like Facebook Connect to access our website. These services verify your identification and could offer you the option to give us specific personal information, like your name, email address, and sign-in credentials, so we can connect your accounts across many websites. You might also be able to add details about your online activities to your profile page and share them with others in your network if you log in using social networking sites like Facebook or Twitter.
• Like Button: Depending on your Facebook privacy settings, information you "Like" on our website and share may show up on your profile page and in the newsfeeds of your friends. Additionally, changes from our website or the liked item may appear on your Facebook page. Facebook might gather more data about your online activity when you visit different websites that use the "Like" button.
• Connections to Outside Websites: There may be connections on our website to other websites whose privacy policies are not the same as Gagan Metal Limited's. Your information will be subject to the privacy rules of each of these third-party websites if you decide to provide them with personal information. We recommend that you read the privacy statement on any website you visit to find out how your data will be used.

Protecting your privacy and making sure that your personal information is secure are essential components of Gagan Metal Limited's commitment to you. Please get in touch with us if you have any questions or concerns about our privacy policies.

PROCEDURES FOR RESPONDING TO SECURITY BREACH

The integrity and security of our data and systems are our top priorities. We have put in place thorough protocols for reporting, documenting, looking into, and fixing security breaches to lessen their effects and stop them from happening again.

• Reporting and Investigating Incidents: When a security event is discovered, it is reported and documented right away. Our committed team investigates the incident in detail to determine its type and extent. To reduce risks and preserve system integrity, corrective and preventive measures are quickly put into place.
• Response to Emergencies and Management of Access: Under emergency circumstances, sensitive data and production systems are only accessible to authorized personnel who have clearly defined duties. Every emergency measure is carefully recorded and submitted to management for assessment and choice.
• Following an incident: Following the incident's resolution, a thorough review is carried out to pinpoint lessons learned and enhance our security posture. A thorough security incident report is created by a designated incident coordination team and shared with upper management for advice and additional action as needed.
• Legal and Conformity Aspects to Take Into Account: We keep track of audit trails and other pertinent data for internal research, legal processes down the road, and regulatory compliance. This entails abiding by legal requirements such as the Information Technology Act and the Copyrights Act, which guarantee responsibility and transparency in our reaction activities.
• Communication with Stakeholders: Relevant parties, such as partners and internal teams, are promptly notified of security incidents. Transparency and productive cooperation are ensured by the efficient and needs-based structure in which status updates and pertinent information are sent.
• Constant Enhancement: Gagan Metal Limited is dedicated to enhancing its security procedures constantly. To improve our ability to withstand changing cyber security threats, we constantly assess and upgrade our incident response protocols.

Please get in touch with us directly if you have any more questions concerning our security procedures or to report a security issue. We are committed to protecting your information with the utmost professionalism and security since we appreciate your trust.

GRIEVANCE INFORMATION

Please email us at privacy@gaganmetal.com with any complaints, concerns, inquiries, or comments about how your information is processed or our privacy and security policy.

Name:-
Contact No:-

Gagan Metal Ltd values your privacy and security above all else. We advise you to manage your account credentials proactively to protect the privacy and accuracy of your data.