Privacy Policy

1.1GoReach collects Personal Information about you from a variety of sources, including through:

1. (a)your online and electronic interactions with us, including via our Platform, via chatbot, including AI Chatbot (namely Reacher or such other name as may be determined by us), online campaigns, Transaction link and other new channels as and when they are introduced, such as WhatsApp;
2. (b)your offline interactions with GoReach, including via direct marketing campaigns, hard copy registration/application forms, competition entries and contacts through the GoReach investor servicing team;
3. (c)your interactions with us through your communications and interactions with us through emails, IVR, etc.;
4. (d)third-parties (including but not limited to analytics providers, Payment Processors, credit information companies, providers of technical and delivery services, advertising networks, third-party software development kits, our distributors, service providers and/or agents); and
5. (e)our Affiliates.

1.2The information being collected is the basis of our ability to provide you with good, qualitative, timely and efficient service, while also keeping the information and data provided totally secure and confidential.

2.1We collect, use, store, transfer, or otherwise process Personal Information about you to the extent permissible under Applicable Laws. Such Personal Information includes, but is not limited to:

1. (a)Your name and contact information, such as your residential address, business/ office address, email address, telephone number, mobile number or fax number;
2. (b)Information relating to your identity, including your date and place of birth, age, gender, nationality, Permanent Account Number (PAN) Details and country of domicile and/or your nationality, etc.;
3. (c)Information relating to your work (if self-employed, the nature of the self-employment) and income;
4. (d)Financial information such as bank account details (including information in relation to changes in bank accounts), beneficiary account number, type of accounts held, bank statements;
5. (e)Purchase and payment-related information such as payment records, payment method, cardholder data, bank account holder details, amount and date of payments, phone number, fax number, email address;
6. (f)Generation and storage of passwords (PIN) in encrypted form based on a request from the investor under the online mode of investment;
7. (g)Photographs and signature;
8. (h)Device data including your internet protocol (IP) address, the internet service provider, your browsing history, device identity, mobile operator, WiFi connection, service set identifier (SSID), International Mobile Subscriber Identity (IMSI), International Mobile Equipment Identity, etc.);
9. (i)Location data that describes the precise geographic location of your device;
10. (j)Behavioural details regarding how you utilise our products, services, offers, etc.;
11. (k)Marital status, gender, occupation;
12. (l)Social relationship details such as your father’s name, spouse’s name, mother’s name, anniversary date, nominee details;
13. (m)Details of your communications and Transactions with us;
14. (n)Some sensitive Personal Information such as your health information, Covid-19 vaccination status or certificate in case you avail any part of our Services that requires us to process your health records under Applicable Laws;
15. (o)Any other information that you may share with us or that we collect from you while you visit, access or use our Platform or contact us for query resolution; and
16. (p)Information that we receive from third parties, such as analytics providers, advertising networks, credit information companies, search information providers, and publicly available sources.

2.2We may also collect, use, and share aggregated data such as statistical or demographic data, including your interests, age, general location, language preferences, and gender, for any purpose. Aggregated data could be derived from your Personal Information, but is not considered Personal Information under Applicable Laws. For example, we may aggregate your usage data to calculate the percentage of users accessing a specific feature of the Platform. All rights, title, and interest in and to such aggregated data, including all intellectual property rights therein, shall belong to and with GoReach.

2.3GoReach shall not be responsible for verifying the accuracy or completeness of the Personal Information provided by you.

3.1We will only use your Personal Information in accordance with Applicable Laws. Most commonly, we will use your Personal Information to provide you with access to the Platform, or where we need to comply with a legal obligation. However, we may also collect and process Personal Information about you for one or more of the following purposes:

1. (a)to fulfil your requests in relation to the Services provided to you, and to contact you either through GoReach or our Third Party Services Providers through any channel of communication, including but not limited to email, telephone, SMS, etc.;
2. (b)to deliver to you any administrative notices, alerts, advice and communications relevant to your use of the Services;
3. (c)where permitted by Applicable Law, to coordinate with GoReach group companies and its authorised agents and Third Party Services Providers for the purpose of providing you information about Products/ Services or offering you various value-added services and information;
4. (d)to share your Personal Information with Affiliates, only to the extent permitted under Applicable Law and if you express interest and provide consent to receiving information about other Affiliate entities’ offerings;
5. (e)for market research, project planning, and troubleshooting problems;
6. (f)to automatically populate any information related to you in any required fields or Documents on the Platform;
7. (g)to deliver the Services or any Content to you or for any other lawful purposes;
8. (h)to monitor trends so we can improve the Platform, including through surveys;
9. (i)to improve our business and delivery models, including the training and development of our AI systems;
10. (j)to investigate, prevent, and take action against illegal or suspected fraud or money laundering activities and conduct forensic audits;
11. (k)to address your grievances, Feedback, or inquiries;
12. (l)to detect, respond to and recover from cybersecurity incidents;
13. (m)to carry out a merger, acquisition, or any other corporate structuring or Transaction;
14. (n)to comply with Applicable Laws;
15. (o)to enforce the Terms; and
16. (p)to use tools to evaluate your device’s signals and generate insights about you to increase customer engagement and improve our marketing efforts.

3.2In certain cases, we may collect Personal Information to comply with our obligations under law, or under the Terms. If you fail to provide us with such Personal Information as and when requested by us, we may not be able to perform our obligations under the arrangement we have with you or are trying to enter into with you (for example, to provide you with features of the Platform). In this case, we may have to limit your access to or use of the Platform (or part thereof).

4.1GoReach and Third Party Services Providers encourage you to Update your Personal Information on a regular basis and as and when required. You are also entitled to review the information provided to us. In case any of the data/information is found to be inaccurate or incorrect, please intimate us of the same for immediate amendment. GoReach and any person acting on its behalf shall not be responsible for the authenticity of the Personal Information or sensitive personal data or information supplied by you.

4.2Subject to Applicable Laws, you may:

1. (a)request access to information regarding the Personal Information processed by us;
2. (b)request correction, completion, updating or erasure of your Personal Information;
3. (c)withdraw any consent previously provided for processing of your Personal Information;
4. (d)seek redressal of grievances relating to the processing of your Personal Information; and
5. (e)nominate another individual who shall, in accordance with Applicable Laws, exercise your rights on your behalf in the event of your death or incapacity.

4.3Requests relating to the foregoing rights may be submitted using the contact details specified in Clause 15 of this Privacy Policy.

5.1We may share or disclose your Personal Information with our other corporate entities, Affiliates, lending partners, technology partners, business partners (such as UPI platforms), merchants and other third parties (credit bureau, recovery teams) as permitted by Applicable Laws. This disclosure may be required for us to provide you access to our Services, use of the Platform, for checking your eligibility for the Products and Services offered on Platform, for enhancing your experience, to comply with our legal obligations, to enforce our agreement(s) with you, to facilitate our marketing and advertising activities, to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our services, for providing credit defaults and credit information, for communicating with you, for enhancing your pre-qualified offers if applicable, for data enrichment, to authenticate your KYC information with the relevant Authorities such as KYC Registration Agencies, NSDL, CDSL, UIDAI, and CKYCR, and also to register you for the Products or Services that you would be opting for.

5.2We may disclose Personal Information if required to do so by law or in good faith belief that such disclosure is reasonably necessary to respond to notices, court orders, or other legal process. We may disclose Personal Information to law enforcement offices, third-party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to enforce our Terms or Privacy Policy, respond to claims that an advertisement, posting or other Content violates the rights of a third party, or protect the rights, property or personal safety of our users or the general public.

5.3We and our Affiliates will share some or all of your Personal Information with another business entity should we plan to merge with, or be acquired by, that business entity, or undergo re-organisation, amalgamation, or restructuring of business. Should such a Transaction occur, such other business entity (or the new combined entity) will be required to follow this Privacy Policy with respect to your Personal Information.

5.4Availing your credit information through GoReach is subject to your passing of appropriate identity authentication for security and privacy purposes.