Loading...

Privacy Policy

This Privacy Policy explains how Ausha Digital Private Limited (“Ausha Digital”, “Spoctree”, “we”, “us” or “our”) collects, uses, discloses, stores and otherwise processes personal data when you visit www.spoctree.com, use our website or services, submit an enquiry, request information about financial products, or communicate with us. Read this Policy with our Terms of Use and any specific consent notice shown to you. This Policy applies to processing for which Ausha Digital determines the purpose and means. A lender, bank, NBFC, HFC or other partner may separately determine its own processing purposes and obligations; its own privacy notice and terms will apply to that processing.

1. Who is responsible for your personal data?

The entity responsible for the processing described in this Policy is Ausha Digital Private Limited, operating the Spoctree website. Registered office: 607, 6th Floor, Vashi Infotech Park, Sector-30A, Vashi, Navi Mumbai – 400703. You may also contact at support@spoctree.com. Where a bank, NBFC, HFC, lender, financial institution or other third-party partner independently receives and processes your information, that organisation may also act as a separate data controller under applicable law. Its own privacy policy and terms will apply to its processing.

2. Personal data we may collect

We collect only data reasonably necessary for the purposes explained to you. Depending on the form, service and your choices, this may include:

  • Contact and identity details, such as your name, mobile number, email address, city and address.
  • Enquiry and product details, such as product type, requested loan amount, employment or occupation, income range, property or asset details and information relevant to an enquiry.
  • Financial information you choose to provide, such as existing liabilities or loan details. Do not submit passwords, PINs, OTPs or payment-card security codes.
  • Communication and preference records, including enquiry history, consent choices, withdrawals, opt-outs and grievance correspondence.
  • Technical and usage information, such as IP address, browser/device information, pages viewed, timestamps, referral URLs, logs and cookie identifiers.
  • Information from partners or other sources where you have authorised sharing or collection is otherwise permitted by law.

3. How we use personal data

Depending on the data and service you request, we may process it to:

  • Receive, respond to and manage your enquiry;
  • Provide information, comparisons or referrals about financial products;
  • Transmit your enquiry and the minimum relevant details to a lender or partner;
  • Facilitate contact between you and the relevant lender or partner;
  • Maintain website functionality, troubleshoot issues, protect security and prevent fraud or misuse;
  • Maintain records of consent, requests, withdrawals, opt-outs and grievances;
  • Provide service messages and, where a valid basis and any required consent exist, marketing communications;
  • Comply with legal obligations, respond to lawful requests, establish or defend legal claims, and protect our rights; and
  • Measure and improve services using analytics, including aggregated or de-identified information where appropriate.
  • Spoctree acts as an independent loan comparison and referral platform for information, discovery, referral or facilitation. Spoctree is not itself the lender, insurer, issuer, deposit-taking institution or provider of a Partner's product merely because that product is displayed on the Website.

We will not use personal data for a materially different purpose without providing any notice or obtaining any consent required by applicable law.

4. Sharing and disclosure

We may disclose relevant data to:

  • If you request a product referral or authorise us to share an enquiry, we may send the necessary information to the lender partner identified to assist with your request.
  • Partner identified will be from the empaneled partners or registered entities like Bank, NBFC, Financial institution or Others who has a signed agreement or empanelment on our platform to operate with us
  • Spoctree doesn’t provide any loan/lending on it's own.
  • We do not authorise a partner to use your data for unrelated purposes merely because we referred your enquiry.
  • We will use appropriate contractual and organisational controls and remain responsible for fulfilling obligations that apply to us when using processors.
  • Service providers supporting hosting, analytics, communications, customer support, security and technology, subject to appropriate safeguards.
  • Affiliates, auditors and professional advisers where necessary for business, legal or compliance purposes.
  • A successor or transaction party in connection with a merger, restructuring, financing, acquisition or sale of all or part of our business, subject to appropriate safeguards.
  • Authorities or other parties where required by law or lawful order, or reasonably necessary to protect users, the public, our rights or service security.

We do not intend to sell personal data to unrelated third parties for their unrestricted use. We share information for disclosed purposes, with appropriate authorisation or another lawful basis, and only to the extent reasonably necessary.

5. Calls, SMS, email, WhatsApp and marketing

If you provide contact details and request information or assistance, we or the partner receiving your enquiry may contact you by phone, SMS, email, WhatsApp or other channels, subject to your choices, applicable law and the consent or other lawful basis relied upon. Where required, we will share promotional communications separately from communications necessary to respond to your enquiry. You can withdraw marketing consent or opt out by contacting us at support@spoctree.com. In case of consent revocation - Click Here. Essential service, security or legally required messages may continue. A partner’s own contact and opt-out processes may also apply. An opt-out from marketing does not necessarily stop messages strictly necessary to fulfil a service you requested, maintain security or comply with law. We will not rely on this clause to bypass applicable telecom, privacy or consent requirements.

6. Credit bureau checks and financial authorisations

Spoctree does not itself perform a credit bureau enquiry merely because you visit the website. Any credit bureau check, account access, document verification or other regulated financial-data processing must be carried out by the relevant authorised entity in accordance with applicable law and any required authorization or consent to be obtained separately. Do not share an OTP, password, PIN or other authentication secret with Spoctree or anyone claiming to represent us. Review any consent screen carefully before authorising a lender or service provider to access your information. Lender or associated partner can validate your details with their internal record or scoring parameter to offer product you initiated your application for. In process they can provide a valid offer or a pre-approval offer.

7. Cookies and similar technologies

We may use cookies and similar technologies to enable website functions, remember preferences, understand traffic, measure performance, protect the website and, where applicable, support advertising. Third-party analytics or advertising providers may set some cookies. You may manage cookies through browser settings or a preference tool if available. Blocking some cookies may affect functionality. Where required by law, we will provide notice and obtain consent before using non-essential cookies or similar technologies.

8. Data retention

We retain personal data only for as long as reasonably necessary for the purposes described in this Policy, including responding to enquiries, maintaining business and consent records, resolving disputes, preventing fraud and meeting legal or regulatory obligations. Retention periods vary by data type and purpose. We may retain limited records where law requires or permits retention, including evidence needed to demonstrate consent or handle disputes. When data is no longer required, we will take reasonable steps to back-up, delete, anonymise or securely dispose of it, subject to legal retention requirements, disputes and technical backup cycles. When consent is withdrawn, we will cease the relevant consent-based processing within a reasonable time and cause our processors to do so, unless continued processing is required or authorised by law. We will explain any material consequence of withdrawal, such as being unable to provide the requested referral.

9. Security

We will implement reasonable security safeguards appropriate to the personal data and processing, including access controls, restricted permissions or masking where suitable, logging and monitoring, vendor controls, backups and staff awareness. We would maintain a documented process for detecting, assessing, responding to and recording personal data breaches. Where required by the DPDP Act and Rules in force at the relevant time, we will notify affected individuals and the Data Protection Board within the prescribed manner and timelines. No online service can guarantee absolute security. If you suspect misuse of your information, contact us at support@spoctree.com.

10. Your choices and rights

Subject to applicable law and the nature of our processing, you may request access to information about your personal data, correction of inaccurate information, withdrawal of consent where processing is based on consent, deletion where legally available, or information about raising a grievance. You may opt out of promotional communications as described above. Withdrawal does not affect processing lawfully carried out before withdrawal and may mean we cannot continue a service that depends on the information. We may verify your identity and retain information where required or permitted by law. Send requests to support@spoctree.com. Applicable statutory rights and procedures will apply.

11. Third-party websites and services

Our website may link to websites, applications or services operated by third parties for convenience. We do not control their privacy practices and are not responsible for their policies or content. When you follow a link or submit information directly to a third party, read its privacy policy and terms before proceeding.

12. Children’s privacy

Spoctree’s services are intended for adults legally able to make the relevant enquiry or transaction. We do not knowingly seek to collect children’s personal data where doing so is not permitted by law. If you believe a child has provided personal data improperly, contact us so we can review the matter and take appropriate steps.

13. Processing and transfers data within India

Our systems or service providers process and store information in locations within India. If any transfer of data outside India by us or by our partner will be subject to restrictions, requirements or conditions imposed under applicable Indian law and any other applicable legal obligations.

14. Changes to this Policy

We may update this Policy to reflect changes in our processing, services or legal obligations. We request you to revisit here for the revised version. If we make any substantial changes in the way we use your information we will notify you by posting a prominent announcement on our web pages. Where required by law, we will provide additional notice or obtain consent for material changes. Posting a revised Policy does not replace any separate consent required by law.

15. Your rights and grievance process

Privacy / Grievance Officer: Mr. Rajesh Arde
Data Fiduciary: Ausha Digital Private Limited
Website: https://www.spoctree.com
Email: support@spoctree.com
Registered Office: 607, 6th Floor, Vashi Infotech Park, Sector-30A, Vashi, Navi Mumbai - 400703
Contact details: 8691998866

Please include sufficient detail to understand your request, but do not send passwords, PINs, OTPs or unnecessary sensitive information. We will address grievances in accordance with applicable law and our internal process. Subject to applicable law, you may request information about personal data processed by us, correction or updating, erasure where available, withdrawal of consent, grievance redressal and exercise of any other rights available to you under the DPDP Act. The Act also provides for nomination rights subject to the applicable provisions.To make a request, contact us at support@spoctree.com. We may verify your identity and ask for information reasonably needed to locate the relevant record. We will acknowledge and respond within the timelines required by applicable law. If you are not satisfied with our response, the statutory escalation route, including the Data Protection Board of India where applicable, remains available.

Appendix:

Data collected: Name, mobile number, city, employment/income range, requested loan amount and other relevant details as shared by you

Purpose: To assess and respond to your request for information about product you applied, and, if you choose to proceed, to send your enquiry to Lender, Banks, NBFC and other associate partners; so that it may contact you about your request.

Data sharing: Identify the Lender, Banks, NBFC and other associate partner who will receive the fields listed above for the stated purpose. The recipient’s own privacy notice will apply to its subsequent processing.

Your choices: You may choose not to submit fields. If you withdraw consent for processing that depends on consent, we will stop that processing within a reasonable time unless continued processing is required or authorised by law; we may then be unable to complete the requested referral.

Rights and grievance: To withdraw consent, exercise rights or raise a grievance, contact us at support@spoctree.com. In case of consent revocation - Click Here.

Consent text: “By Submitting, I agree privacy policy & T&C of spoctree.com” means agreeing to the terms withing the policy and granting permission of sharing your details with the Lender, Banks, NBFC and other associate partner for your requirement.