1. Consent

1.1. By visiting this website http://www.kudosfinance.in/ (“Website”) you agree to be bound by the terms and conditions of Kudos Finance and Investments Private Limited (Kudos)’s Privacy Policy. If you do not agree please do not use or access this Website. By mere use of the Website, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. 1.2. This Privacy Policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this Privacy Policy periodically.


2. No Warranties

2.1 This Website including the information and materials, and any software made available, are provided “as is” and “as available” without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non infringement, or fitness for any particular purpose or warranty of any kind, express or implied, regarding third party content. Kudos shall take commercially reasonable endeavours to keep the Website free from any kind of unauthorised access, computer viruses, however, Kudos cannot warrant that the Website shall be free of any computer viruses or any unauthorised access. We cannot guarantee the security of our database, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the internet.


4. Security

4.1. Despite our best efforts, you will appreciate that no data security measures can guarantee 100% security. You should therefore take steps to protect against unauthorised access to your password, phone and computer. We are not responsible for any lost, stolen or compromised passwords, or for any activity on your account via unauthorised password activity


5. Unlawful Use Of This Website

5.1. We reserve the right to investigate complaints or reported violations of this Privacy Policy and to take any action as deem appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons, or entities relating to users profiles, e-mails, addresses, usage history, posted materials, IP addresses and any other information if required by the appropriate authorities.


6. Governing Law & Jurisdiction

6.1. This Website is for informational purposes only and should not be construed as technical advice of any manner you are solely responsible for any act or transaction undertaken by you. By viewing/accessing the Website you agree to the exclusive jurisdiction of the courts at Pune, India in respect of any action arising there from or related thereto.


7. Sharing of Personal Information

7.1. You consent to the use of your personal information by Kudos and/or its third party providers and distributors in accordance with the terms of and for the purposes set forth in the Privacy Policy for providing you services and products including but not limited to personal loans. Kudos reserves the right to use the information to provide you a more personalized online experience. 7.2. We use the information we collect to: 1. 7.2.1. Provide you the services that you have requested. 2. 7.2.2. Tell you about exciting offers which we think you will value. 3. 7.2.3. Customize the content and advertising that you see on the Website. 4. 7.2.4. Improve your experience on the Website and with Kudos. 5. 7.2.5. As otherwise described to you at the point of collection or with your consent. 6. 7.2.6. As permitted by applicable law, to assist us in advertising our products and services in various mediums including, without limitation, sending promotional emails, advertising our services on third party sites and social media platforms, direct mail, and by telemarketing. 7. 7.2.7. To protect our customers, employees or property — for instance, to investigate fraud, harassment or other types of unlawful activities involving Kudos or its affiliates and third parties that we do business with, and to enforce this Privacy Policy, as well as our Terms of Service. 7.3. Kudos shall share personal information about you with partners or affiliated companies to provide products or services you’ve requested or to suggest products and services suitable for you. 7.4. Kudos provides the information to trusted partners who work on behalf of or with Kudos. These companies may use your personal information to help Kudos communicate with you about offers from Kudos and our marketing partners. However, these companies do not have any independent right to share this information. 7.5. Kudos may share your information with its business partners who provide services, who are NBFC, who sponsor an event, or who jointly offer a service or feature with http://www.kudosfinance.in/. 7.6. Kudos shall transfer information collected from you if Kudos is acquired by or merged with another company. 7.7. We may disclose the information we collect from you in order to comply with applicable law, judicial proceedings, a court order, or other legal process. We may disclose the information collected from you if 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, as evidence in litigation in which we are involved, or as otherwise required by law. 7.8. If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we may collect such information into a file specific to you. 7.9. From time to time, we may seek your consent to use your information for a purpose not described in this Privacy Policy. We may also share your personal information with third parties under other circumstances where we have your consent for specific purposes. 7.10. You may choose to give us personal information, such as your name, contact number, address or e-mail id that may be needed, for example, to correspond with you, to participate on the site, or to apply for a Loan. 7.11. We sometimes collect anonymous information from visits to our Website to help us provide better customer service. For example, we keep track of the domains from which people visit and we also measure visitor activity on our Website, but we do so in ways that keep the information anonymous. Kudos or its affiliates or vendors may use this data to analyse trends and statistics and to help us provide better customer service. This anonymous information is used and analysed only at an aggregate level to help us understand trends and patterns. None of this information is reviewed at an individual level. 7.12. We maintain standard call and IP logs that record data about all users who call us and/or access our Website. We store this information for providing services and as an analysis tool. All call logs are stored securely and may only be accessed by our employees or designees on a need-to-know basis for a specific purpose. We use call log information to help provide our members the efficient services under this membership. We collect IP address of all visitors to the Website. 7.13. We identify and use your IP address to help diagnose problems with our server, and to administer our Website. Your IP address is also used to help identify you and to gather broad demographic information. 7.14. We will make a sincere effort to respond in a timely manner to your requests to correct inaccuracies in your personal information. To correct inaccuracies in your personal information please return the message containing the inaccuracies to the sender email id with details of the correction requested. 7.15. Kudos may, if you so choose, send direct mailers to you at the address given by you. You have the option to ‘opt-out’ of this direct mailer by way of links provided at the bottom of each mailer. We respect your privacy and, in the event, that you choose to not receive such mailers, we will take all steps to remove you from the list. 7.16. Kudos provides links to web sites and access to content, products and services from third parties, including users, advertisers, affiliates, service providers and sponsors of the Website. You agree that Kudos is not in control of and is not responsible for the availability of, content provided on, accuracy and completeness of information on, third party web sites. The User is requested to peruse the policies posted by such third party web sites regarding their privacy policy and terms of use, before using/accessing such web sites. 7.17. Kudos is not responsible for third party content accessible through the Website, including opinions, advice, statements and advertisements, and you shall bear all risks associated with the use of such content. Kudos is not responsible for any loss or damage of any sort user may incur from dealing with any third party. 7.18. In the event, you intend to delete the information submitted by you to Kudos from Kudos’s database, you shall inform us about the same at info@kudosfinance.in. It is clarified, that after such request, you will not be able to access all the services and content available on the Website.


8. Cookies

8.1. A “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user. We place both permanent and temporary cookies in your computer’s hard drive. The cookies do not contain any of your personally identifiable information. 8.2. We use data collection devices such as “cookies” on certain pages of the Website to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. 8.3. We also use cookies to allow you to enter your password less frequently during a session. Cookies can also help us provide information that is targeted to your interests. Most cookies are “session cookies,” meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on the Website and you may be required to re-enter your password more frequently during a session. 8.4. Additionally, you may encounter “cookies” or other similar devices on certain pages of the Website that are placed by third parties. We do not control the use of cookies by third parties and you shall be solely responsible for accepting such third party cookies.


9. User Generated Content

9.1. We may invite you to post content on the Website, including your comments, pictures, and any other information that you would like to be available on the Website. If you post content on the Website, the information that you post will be available to other visitors of Website. If you post your own content on the Website, your posting may become public and we cannot prevent such information from being used in a manner that may violate this Privacy Policy, the law, or your personal privacy. You shall be solely responsible for any such information, picture, review, content, remarks, etc. posted by you.


10. How to contact us

10.1. If you have a technical or general support question, please visit http://www.kudosfinance.in/contact-us/ to reach out to us directly. 10.2. If you suspect your Kudos account has been hacked or taken over, please visit http://www.kudosfinance.in/contact-us/ to inform us immediately.


11. Grievance Officer

11.1. In accordance with Information Technology Act 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:

1. Name:

2. Address:

3. Contact:

4. Email Address:

5. Time:09:00am – 06:00pm