This Privacy Policy is meant to help you understand what information we collect from you, why we

collect it, how we use it and what you can do to update, manage, delete your information. You

consent to the treatment of your information in the manner provided in this Privacy Policy.

What we collect

a. Basic information required for signing up for Uni Services: Uni and it’s partners collect some

information about you such as name, email id, PAN, postal code and phone number etc. required

Account opening. This information is used to uniquely identity you and enable us to provide

services to You.

b. Usage data: We collect information on your interaction with our application and your usage

of our services. This includes transaction level information including details of purchases, loan

amounts used, payment method etc, which are related to the Uni Services. We use this

information for legal and regulatory reasons, along with provision of Uni Services to you.

c. KYC: In order to receive the services, Lenders and other partners of Uni require certain

information from you for legal and regulatory reasons. Such information can include identity

proof or address proof in the form Aadhaar, passport, driving license, bank account information,

utility bills etc.

d. Device level data: We collect information of your device, such as IP address, device

identification etc for security and fraud prevention reasons.

e. Financial SMS data: When You grant us permission on your mobile device, we can collect

financial data stored on your mobile device. You can disable this access at any time on your

mobile device. We use this information to provide services, including loan processing.

f. Location Data: We collect location information from your device to validate your KYC

documents like address etc.. and to reduce the risk associated with your account.

g. We require the storage information permission that allows the App to enable you to upload

photos and/or documents to complete the application form during your loan application journey.

h. We require the camera information permission to provide you an easy/smooth experience

and to enable you to click selfie and/or photos of your KYC documents along with other requisite

documents and upload the same on the App during your loan application journey.

i. Grievance related information: When you call our call centres or seek queries by

writing to us, we collect this information for training and improving our services.

j. Information collected from third parties: We interact with various third parties, and may

lawfully receive your information from parties for loan processing and provision of Uni Services

to you. Such third parties include credit bureaus, data analytics service providers, Lenders and

other partners etc.

How we use your information

The information provided by you, will be used to provide the Uni Services and other third party

services to you on the Portal, including:

• Account opening

• Verification of identity

• Providing Uni services

• KYC checks

• Credit risk assessment

• Authentication and authorization of Transactions

• Communications

• Collections or recovery of Loan

• Customer support

• Marketing and product research

• Disclosure to third party

• And such other purpose as required for the Uni Services.

• Legal and compliance reasons

Sharing with Third Parties

We work with third party service providers to provide features and functionalities. For example:

• Validating information submitted by you, including for KYC and other verification

• Collection and recovery of sums owed to the Lenders

• Analyzing transaction behaviour

• Detection and flagging of fraud.

• Cloud services.

To provide Uni Services, information is shared with Lenders, merchants and other Uni Partners like

banks and card issuers. Disclosure of your information may also be required to be made to

government entities, regulators, courts or other similar bodies.

Correction

In you notice any errors in your information, you may write to us at care@uni.club to rectify the

error.

Retention

We may retain your information with us to provide Uni Services. Post termination of your Account,

we may retain your information for audit purposes or as required under Applicable Laws.

Data Deletion

At any time, you may choose to withdraw consent for your information, and seek deletion/ return of

the same from our records. This will be subject to Applicable Laws, and any requirement by Lenders

or government agencies.

Please write to us at care@uni.club.

Security

We shall endeavour to protect the security, integrity and privacy of your information. Note that we

are not liable for any third-party breaches to the security of your information. Please beware of

phishing attacks. We are not responsible for any loss or damage if you share any Account information

or otherwise to such phishing attacks.

Links to Third Parties Sites

Our application has a links to third-party websites. Your use of these features may result in the

collection, processing or sharing of information about you, depending on the feature. We are not

aware for the practices of such third parties.

Changes to Privacy Policy

We reserve the right to modify this Policy at any time, at our sole discretion. Please keep yourself

updated of the same from time to time.

Grievance Officer

In accordance with Information Technology Act, 2000 and the Information Technology (Reasonable

Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the name

and contact details of the Grievance Officer are provided below:

Name: Vikram Singh

Email Id: vikram.singh@uni.club

Phone Number: 080 68216821

You may also write to care@uni.club in case of any issues.