EkagrataFinance.com is owned and operated by Ekagrata Finance Private Limited
(EFPL). EFPL is committed to maintaining the confidentiality, integrity and security of all
the personal information of our users. This Privacy & Security Policy explains how we
protect the personal information provided through our websites such as www.ekagratafinance.com and our Android and iOS apps
and how we use that information in connection with our service offered through the Site (the
“Personal Information” for purposes of this Policy means information that identifies you,
such as your name, address, phone number or email address. By providing your number at
ekagratafinance.com you are authorizing EFPL & its representatives to give you a call to
offer you our services for the product you have opted for, imparting product knowledge,
offering promotional offers running on the website. Irrespective of the fact that you have
registered yourself under DND or DNC service, you are still authorizing us, our
representatives & our partners to communicate with you for the above-mentioned purposes.
There is no DNC check required a number you enter while using EFPL services.
interests. ekagratafinance.com applies high privacy and security standards to protect your
personal information. We regularly re-evaluate our policies and adapt them as necessary to
deal with new challenges.
To register with us you must be 18 years of age or older and Indian residents. Minors are
strictly forbidden from using the service.
How EFPL collects information?
1.1 Information provided by you with EFPL
If you intend to open a loan account with Ekagrata Finance, you would be required to provide
details like your name, E-mail address, Mailing address, Mobile number, PAN number,
employment & income details and other such information which may be needed to assess your
creditworthiness. In order to provide your bank statements or pay-slips
electronically/physically along with your loan application, you also must provide your
third-party account credentials (“Account Credentials”) to allow ekagratafinance.com to
retrieve your account data (“Account Information”) from those financial institutions. Your
Account Credentials are only used once to retrieve your bank statements/payslips and are not
stored in our system.
Such information does not identify you individually. Access to your Registration Information,
Account Information, and any other Personal Information you provide is strictly restricted
and used only in accordance with specific internal procedures and safeguards governing
access, in order to operate, develop or improve the Service. We may also use third-party
service providers to help us provide the Service to you, such as sending e-mail messages or
SMS on our behalf or hosting and operating a particular feature or functionality of the
Service. We require such third parties to maintain the confidentiality of the information we
provide to them. If you telephone us we may also record and/or monitor calls for quality
checks and staff training. Such recordings may also be used to help us combat fraud.
1.2 Information that EFPL collects from your activities
Your information would get collected when you visit Ekagrata Finance website or mobile apps
using your phone or computer. This information may include your IP address, contact details,
transactional messages from other vendors, device information including but not limited to
identifier, name and type, operating system, location.
If enabled, we may place cookies on your machine that store small amounts of data on your
computer about your visit to any of the pages of this website. Cookies can identify the
pages that are being viewed and this can assist us in tracking which of our features appeal
the most to you and what content you may have viewed on past visits.
These technologies are used in analyzing trends, administering the site, tracking users’
movements around the site and to gather demographic information about our user base as a
based on your visits to this Website. You may visit the website of the third party and
offers such an option.
our site, but your ability to use some features or areas of our site may be limited. You may
refuse to accept cookies by activating the setting on your browser which allows you to
refuse the setting of cookies. Unless you have adjusted your browser setting to refuse
cookies, our system will issue cookies when you log on to the website.
1.4 Information sharing with Third parties
We may use third-party advertising companies and/or ad agencies to serve ads when you visit
our website. These companies may use information (excluding your name, address, email
address, or telephone number) about your visits to ekagratafinance.com in order to provide
advertisements on this site and other sites about goods and services that may be of interest
to you. If you choose to apply for these separate products or services, disclose information
to the providers, or grant them permission to collect information about you, then their use
of your information is governed by their privacy policies. You should evaluate the practices
of these external service providers before deciding to use their services.
ekagratafinance.com is not responsible for their privacy practices.
How EFPL protects your personal details?
2.1 We keep your data secure
We follow generally accepted standards to protect the personal information submitted to us,
both during transmission and once we receive it. No method of transmission over the
Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot
guarantee its absolute security. We use a combination of firewalls, encryption techniques
and authentication procedures, among others, to maintain the security of your online session
and to protect ekagratafinance.com accounts and systems from unauthorized access.
Our databases are protected from general employee access both physically and logically. We
encrypt your Service password so that your password cannot be recovered, even by us. All
backup drives and tapes also are encrypted. No employee may put any sensitive content on any
unsecured machine (i.e., nothing can be taken from the database and put on an insecure
2.2 Encryption and secure communication
All communications between your computer and ekagratafinance.com that contain any personal
information are encrypted. This enables client and server applications to communicate in a
way that is designed to prevent eavesdropping, tampering, and message forgery.
2.3 Login id and password confidentiality
You are responsible for maintaining the security of your Login ID and Password, and may not
provide these credentials to any third party. If you believe they have been stolen or been
made known to others, you must contact us immediately at +91-80471 85299
We are not responsible if someone else accesses your account through Registration Information
they have obtained from you or through a violation by you of this Privacy and Security
How EFPL can utilize your information?
3.1 For improving EFPL Service
EFPL uses the information provided by you to improve our services, contact you, conduct research, and provide anonymous reporting for clients.
3.2 To serve relevant marketing content to you
We may use your information for marketing and promotional purposes and for providing relevant offers online.
When you share information with EFPL
All other information shall be treated as non-confidential and non-proprietary and EFPL shall be under no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose, and distribute the information to others without limitation. Additionally, EFPL shall be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including, but not limited to, developing or marketing services incorporating such information.
There is no legal obligation to destruct the data from the server upon you closing the account or non-usage of our services from your end. The data will be retained securely on our server and shall help EFPL:
To comply with legal duties and requirements, either statutory or regulatory;
To avoid liability through “spoliation,” the improper destruction or alteration of documents in a litigation situation;
To support or oppose a position in an investigation or litigation;
To protect from unnecessary expense and time during discovery;
To maintain control over discovery and e-discovery, and
To keep documents confidential and avoid leakage to attackers or competitors.
Links to Other Sites
In case of any grievance/ review of information you may contact EFPL on the coordinates provided below: