Privacy Policy | Yocket Finance

Introduction

We, at 'Avocation Educational Services Private Limited' and our affiliated companies worldwide, are committed to respecting your online privacy and recognize your need for appropriate protection and management of any personally identifiable information ("Personal Information") you share with us. "Personal Information" means any information that may be used to identify an individual, including, but not limited to, a first and last name, a home or other physical address and an email address or other contact information, whether at work or at home. In general, you can visit Avocation Educational Services Private Limited's Web pages without telling us who you are or revealing any Personal Information about yourself.

Cookies and Other Tracking Technologies

Some of our Web pages utilize "cookies" and other tracking technologies. A "cookie" is a small text file that may be used, for example, to collect information about Web site activity. Some cookies and other technologies may serve to recall Personal Information previously indicated by a Web user. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser, but please note that if you choose to erase or block your cookies, you will need to re-enter your original user ID and password to gain access to certain parts of the Web site and some sections of the site would not work. Tracking technologies may record information such as Internet domain and host names; Internet protocol (IP) addresses; browser software and operating system types; clickstream patterns; and dates and times that our site is accessed. Our use of cookies and other tracking technologies allows us to improve our Web site and your Web experience. We may also analyze information that for trends and statistics.

Third-Party Service Providers

When you access or log in to our third-party service providers from our website or act on any of the ads on our platform, we may receive information. We have agreements with third-party service providers to host our ads for our benefit and when you visit our website or pages through those links, they will collect and store your data to promote other related services to you.
We have third-party sales and marketing affiliates who may collect your information through one of the various channels owned by them and share this information with us, based on your interest in our Programs. For example, an affiliate may hold an event and share the details of the attendees with Yocket Finance.
If such third parties sell or share the Personally Identifiable Information as part of the process, Yocket Finance’s liability shall be limited to providing you with reasonable assistance in any action you may choose to take against such third parties, at your sole cost and expense.

Marketplace Guidelines

Yocket Finance is a marketplace-driven platform that strives to make education loan process fast, simple & transparent. We achieve that by providing our users access to all international lenders, NBFCs & top-tier private & public banks conveniently from a single platform. This demands for a platform that is clean, authentic and safe for its users. In order to achieve that, we insist all our users to follow the below-mentioned behaviour and conduct codes.

Do not use language that is offensive, demeaning, obscene, or threatening in any manner.

Do not post irrelevant information or queries.

Do not defame or bully on the basis of nationality, gender, race, religion, and or other differences.

Do not post commercial advertisements.

Do not share links redirecting students to groups on WhatsApp or other apps.

Do not share spam posts.

Do not disturb others by unnecessary messages unless they are fine with it.

Do not post inaccurate or misleading information.

Do not share your numbers, private or sensitive information with strangers online.

Be polite, discrete, and respectful towards people.

Report posts if they found them inappropriate

Do not invade others’ privacies.

Do not sell or offer any type of service for any price.

For Yocket Finance, to remain relevant, informative, and free, it is important for all our users to be mindful of the guidelines mentioned above. In case any member of the platform is found to have broken any of these codes of behaviour and conduct, the member will be restricted/blocked from the platform.

Your Consent

By using this Web site, you consent to the terms of our Online Privacy Policy and to Avocation Educational Services Private Limited's processing of Personal Information for the purposes given above as well as those explained where 'Avocation Educational Services Private Limited' collects Personal Information on the Web.

Information security

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. We restrict access to your personally identifying information to employees who need to know that information in order to operate, develop or improve our services.

Updating your information

We provide mechanisms for updating and correcting your personally identifying information for many of our services.

Children

'Avocation Educational Services Private Limited' will not contact children under age 13 about special offers or for marketing purposes without a parent's permission.

Information Sharing and Disclosure

'Avocation Educational Services Private Limited' does not rent, sell, or share personal information about you with other people (save with your consent) or non-affiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:

We provide the information to trusted partners who work on behalf of or with 'Avocation Educational Services Private Limited' under confidentiality agreements. These companies may use your personal information to help 'Avocation Educational Services Private Limited' communicate with you about offers from 'Avocation Educational Services Private Limited' and our marketing partners. However, these companies do not have any independent right to share this information.

We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims;

We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Avocation Educational Services Pvt. Ltd.'s terms of use, or as otherwise required by law.

We transfer information about you if 'Avocation Educational Services Private Limited' is acquired by or merged with another company. In this event, 'Avocation Educational Services Private Limited' will notify you before information about you is transferred and becomes subject to a different privacy policy.

'Avocation Educational Services Private Limited' displays targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click on targeted ads meet the targeting criteria - for example, women ages 18-24 from a particular geographic area.
'Avocation Educational Services Private Limited' does not provide any personal information to the advertiser when you interact with or view a targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad.
'Avocation Educational Services Private Limited' advertisers include financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).
'Avocation Educational Services Private Limited' works with vendors, partners, advertisers, and other service providers in different industries and categories of business. For more information regarding providers of products or services that you've requested please read our detailed reference links.

Confidentiality and Security

We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs. We have physical, electronic, and procedural safeguards that comply with the laws prevalent in India to protect personal information about you. We seek to ensure compliance with the requirements of the Information Technology Act, 2000 and Rules made there under to ensure the protection and preservation of your privacy.

Non-Personal Information

In Non-Personal Information, we track, aggregate and collect your entry point to our website, including the URLs you use, the browsers like Internet Explorer, Chrome, etc, the Operating Systems of your PCs, laptops or phones, the internet service providers, and IP addresses. We also aggregate the information regarding the pages you visit on our website, the order in which you visit them, and the hyperlinks you click. All the non-personal information we collect is only to enhance our site’s performance and our services.

Personally Identifiable Information

All the personal information and the personal data you share with us on our website and app or through our third party services will be defined as Personally Identifiable Information. The information collected will only be used in ways according to our Privacy policy.

It includes the information you share with us on the sign-up process and profile details like your name, email address, phone number, education, work experience, projects, and photographs.

The information you provide on our forums, online and offline events and chats.

In case of subscription to our Premium plans payment or refund, we might collect your account information from a third-party gateway provider.

We collect this information in several ways, including when you enter it while using our Website, Platform, interacting with our counsellors, customer support, participating in our surveys, or marketing promotions. We use all this information in the personalization of our platform to our users’ preferences, send them emails, updates and promotions of our services and share with our business partners for other relevant services. Note: We do not manage or regulate our third-party service providers.

Other Information

This category of information includes the following:

The user-generated content that you share with us on our platform.

The interactions you have with our customer support team.

Recording of the sessions you have with our counsellors for quality purposes.

Use of Information

We may use the information we collect with your consent to register you on our Website or Platform, to provide you with information relating to our Program and/or other Yocket Finance Services, offers from time to time in connection with Yocket Finance to respond to your questions or interest shown in our Programs, and to send you updates on related Yocket Finance events, platform maintenance or new services provided by Yocket Finance via the platform, email, SMS, or phone call.
We may use your Personally Identifiable Information to provide such services to you and for quality control purposes, and we may also archive this information and/or use it for future communications with you. For example, Yocket Finance may make available to you chat services that allow you to communicate with Yocket Finance’s counsellors and we may use and share your Personally Identifiable Information to provide these services to you. In another example, Yocket Finance’s staff members may create groups on our platform with other students and make you a member of such a group. These groups may be used to provide services in conjunction with the Programs, including, but not limited to, updates related to the Programs, details of potential employers, etc. Please be aware that the information disclosed on a third-party service provider’s platform will be dependent and subject to such third-party’s privacy policies and/or on your settings regarding what information you have consented to share with them. Yocket Finance shall have no liability in this regard whatsoever.
Yocket Finance may use and share your information to improve its services and offerings. For example, we, through our service providers (like financial partners or surveyors), may approach you to understand the impact of our Programs on your careers. For this purpose, we may connect with you via a phone call, email you questionnaires, or request you to attend workshops.
To the extent any Personally Identifiable Information collected by us contains images of you, you grant Yocket Finance a limited, non-exclusive right to use, reproduce, distribute, or prepare derivative works of or publicly display such images and/or your likeness in relation to the Program or for marketing purposes. We may use your photograph along with employer information, testimonials, transition information, designation change, etc., for Ads/and or social media posts to highlight our learners’ achievements.
We use Non-Personal Information in aggregate form to build higher-quality, more useful services by performing statistical analysis of the collective characteristics and behaviour of our Users and by measuring demographics and interests regarding specific areas of our Website.
If the processing of your Personal Identifiable Information is subject to the EU General Data Protection Regulations, we use your Personal Identifiable Information where the processing is in our legitimate interests.

Sharing Your Information

In addition to how we use your information, we share your information in the following ways:

Educational partners: We may share your information with universities or program coordinators who developed the program/ course you are taking up.

Employers, sponsors and scholarship providers: If you are taking a Program that is sponsored or paid for by your employer or a sponsor, or if you have availed of a scholarship from a third-party scholarship provider, we may share your Personally Identifiable Information.

Service providers: We provide access to or share your information with other third parties who perform services on our behalf strictly on confidential terms. They have access to perform these services but are prohibited from using your information for other purposes. They provide a variety of services to us, including billing, sales, marketing, test proctoring, couriers, mentoring, recruitment consulting, product content and features, advertising, analytics, research, customer service, data storage, security, fraud prevention, credit facilities, payment processing and legal services. Also, we use certain third-party platforms to collect your information (such as Typeform or Google Forms), as a consequence of which, your information may be stored on their servers.

Alumni and Networking services: Should you agree to sign up for our services, please note that any information you provide will be governed by our policies. In certain cases, to facilitate communication between students, we may share your information with other students on chat forums.

Government and Regulatory disclosure: We may share your Information with various government authorities in response to court orders or other legal processes to establish or exercise our legal rights or to protect our property; to defend against legal claims; or as otherwise required by law. We may also share your information when we believe it is appropriate to investigate, prevent or take action regarding illegal or suspected illegal activities; to protect and defend the rights, property, or safety of Yocket Finance, the Platform, our users, and our customers.

Associates and Business transfers: Yocket Finance may disclose and/or transfer your Personally Identifiable Information to an acquirer, assignee or other successor entity in connection with a sale, merger, or reorganisation of all or substantially all of the equity, business or assets of Yocket Finance to which your Personally Identifiable Information relates.

Business partners: We may share information that can be used to directly contact you with third-party business partners, such as Banks, or private loan companies that may be offering products or services or other opportunities that may be of interest to you.

Public Disclosure of Information

Any Personally Identifiable Information that is voluntarily displayed by you on our platform may be used by third parties for unsolicited purposes. Please note that Yocket Finance shall not be liable for such unsolicited use by third parties.

Aggregated Data

It is the combining of various data from both known and anonymous sources to help our internal and commercial uses. This data will not disclose any of your personally identifiable information.

Protection of Information

Yocket Finance takes all necessary precautions to protect your Personally Identifiable Information both online and offline, to avoid any unauthorised access.

Notification of Changes

We may update this Privacy Policy at any time, and it will be posted on this platform as and when it is updated so that you are always aware of what information we collect, how we use it, and the circumstances under which we may disclose it. Unless stated otherwise, our current privacy policy applies to all information that Yocket Finance has about you and your account, even if it was collected in the past.

Your Email and Mobile Number

We will store the email and the mobile number of anyone who is trying to contact us regarding our services, and products. We will use this information to share our promotions and updates with that user.

Opting Out

You can delete your account at any time. Deleting an account will effectively remove all the data and information of the user stored in Yocket Finance. The user will have to create a brand new account to enter Yocket Finance again.

Third-Party Links

We have many third-party links on our website. These links redirect to other websites which have privacy policies that do not adhere to ours. If you wish to disclose your personal information to such third-party providers and if they choose to use that information, Yocket Finance will not be responsible. The information you choose to share with such websites is at your own risk.

Data Storage, Transfer and Processing Globally

Yocket Finance stores information about you on servers located in India, but our international service providers may store your information on servers located in other countries. By using our services, you give consent to the storage of your information within India or other countries. The data protection and other laws of India and/or other countries might not be as comprehensive as those in your country. By submitting your data and/or using our services, you acknowledge the transfer, storage and processing of your information in and to India.
Remember that whenever we store or process your information, we will take the necessary steps to secure the privacy of your personal information.

Security Statement

We, at Yocket Finance, have taken proper measures to secure your personal information between users’ devices and servers. If there are any information leaks from our third-party providers, or through your mobile devices or PCs due to negligence and improper security measures, Yocket Finance will not be responsible.

Updation of Privacy Policies

This Policy is subject to change from time to time and shall be uploaded on our Platform for your reference. Any changes to this Privacy Policy will be effective immediately upon being posted on this page. By accessing the Platform, you indicate your agreement to the modified Privacy Policy and all the changes. Be sure to return to this page periodically to ensure familiarity with the most current version of this Privacy Policy.

Disclaimer

Avocation Educational Services Private Limited does not store or keep credit card data in a location that is accessible via the Internet. Avocation Educational Services Private Limited uses the maximum care as is possible to ensure that all or any data / information in respect of electronic transfer of money does not fall in the wrong hands. Avocation Educational Services Private Limited shall not be liable for any loss or damage sustained by reason of any disclosure (inadvertent or otherwise) of any information concerning the user's account and / or information relating to or regarding online transactions using credit cards / debit cards and / or their verification process and particulars nor for any error, omission or inaccuracy with respect to any information so disclosed and used whether or not in pursuance of a legal process or otherwise.