Privacy Policy

Welcome to Sikka family!

"Sikka" is a trading name of ‘PENNY FIN-TECH SOLUTIONS’ (referred to, including its affiliates, as "We"/ "Us"/ “Company”/ “Sikka”). We are the data controller. Throughout this Privacy Policy "You" means the Customer.

This Privacy Policy describes the information We collect, how that information may be used, with whom it may be shared, and Your choices about such uses and disclosures. You must read this Privacy Policy carefully when using the Sikka Platform or transacting with Us. By using the Website or availing the services provided by Us (“Service”), You are accepting the practices described in this Privacy Policy.

CONSENT

We believe You deserve the utmost respect when it comes to the security and Use of Your personal information. We have described how We look after Your information as clearly as possible. By Using the Platform and by providing Your information, You consent to the collection, sharing, disclosure and usage of the information that You disclose on the Sikka Platform in accordance with this Privacy Policy. By using the Platform and by providing Your information, You consent to the collection, transmission, sharing, disclosure and usage of the information that You disclose on the Platform in accordance with this Privacy Policy.

Our Privacy Policy applies from the time You register with Us. Our Privacy Policy is regularly reviewed to make sure that We continue to serve Your privacy interests. We reserve the right to update this Privacy Policy and these changes will be posted on Our Platform. We encourage You to periodically review this page for the latest information on Our privacy practices. We are committed to keeping Your personal information confidential and will onlygive it to others for the purposes set out in this Privacy Policy.

If You have questions or complaints regarding Our privacy policy or practices, please do contact Us.

SECURITY

The Company is the sole owner of the information collected through the Website. We may collect and process Personal Information from You, including but not limited to:

⮚ Information provided by You at the time registration such as Your email ID, phone number, bank account details, contact information, financial information, unique identifiers and preferences information including favourites and history.

⮚ Information that You provide to Us directly via email and / or electronic communication or over telephone; Information that You provide Us in physical form whether sent through post and /or courier and / or handed over to Our representatives in person; and Information We collect from other sources.

⮚ We may make and keep a record of such information shared by You;

We recognize how important it is to protect and manage the information You share with Us. We protect that information Using secure socket layer (SSL) encryption technology and by limiting employee access on a need-to-know basis. We store information in encrypted form on computers and control access via secure web pages. We employ firewalls and other security technologies to protect Our servers from external attack.

Our security systems meet or exceed industry standards and we are constantly monitoring internet developments to ensure Our systems evolve as required. However, sadly, no method of transmission over the internet, or method of electronic storage is 100% secure.

COLLECTING YOUR INFORMATION AND HOW WE USE IT

Byproviding Your emailand phone number to Us, You are authorizing Us, Our representatives & Our partners to communicate with You through various modes like call, email to offer You Our servicesorthe product opted byYou,marketing materialabout product, promotionaloffers offered by Our partner's. You hereby authorise Us to share Your information with third parties to facilitate credit/investments like gold / digital gold, others.

Irrespective of the fact that You have registered Yourself under DND or DNC service, You are still authorizing Us, Our representatives & Our partners to communicate with You for the above-mentioned purposes. There is no DNC check required a number You leave on Our Platform / Website.

"Personal information" for purposes of this Policy means information that identifies You, such as Your name, address, phone number or email address.

SMS: We do not collect, read or store Your personal SMS, other than the SMS pertaining to Your financial transactions solely for the assessment of Your credit risk.

We are collecting the contact information about You requested on this site so that we can provide You with more details about Our products and services prior to launch or periodically.

If You telephone Us we may also record and/or monitor calls for quality checks and staff training. Such recordings may also be used to help Us combat fraud.

We will generally retain Your information for as long as needed to provide You with details of Our products and services. If You change Your mind, and don’t wish to remain on Our contact list, just let Us know at our email id Communication@thesikka.com

INFORMATION WE SHARE

We will keep Your personal information confidential and only share it with others for the purposes explained in this Privacy Policy.

We have trusted relationships with carefully selected banking and financial entities (to whom we provide service) or other third parties (who performservices on Our behalf), some ofwhich may be located within or outside of India. Examples of service providers we Use are payment processors, email service providers and providers of hosting services. All service providers are required to maintain the security of Your personal information and to Use it only as permitted

by Us and they must comply with the security practices and procedures as maintained by Us as set out in this Policy.

We may share information about You:

• to transfer data, personal information etc. with any Sikka related entity, the financial service providers, NBFCs for facilitation of a loan or facility or line of credit, other banking or financial entity’s, third party firm, agency organisation or person for the purposes of storage and safe keeping of the data or information about You.

• to analyse usage of the website or to improve the Service as provided by Sikka.

• to send communications relevant to Your use of service or product/services as offered by Us.

• to enable You to apply for certain products and services for which You have chosen to apply.

• in relation to research, to effectively control against error, fraud or other criminal activity.

• to enforce Our terms of Use.

• any person who has told Us and who we reasonably believe to be Your parent, carer or helper where You are unable to handle Your own affairs because of mental capacity or other similar issues.

• any person to whom we sell or transfer (or enter into negotiations to sell or transfer) Our business or any of Our rights or obligations under any agreement we may have with You. If the transfer or sale goes ahead, the transferee or purchaser may use Your personal information in the same way as Us. And regulators, ombudsmen or other authorities, including tax authorities, including those overseas, where we are requested by them to do so.

Change of Information

IfYour PersonalInformationor Sensitive Data changes, , You maycorrect,delete inaccuracies, or amend information by making the change on Our member information page or bycontacting Us through email address mentioned on Our Website. We will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable. In case of modification of Personal Information, You will be required to furnish supporting documents relating to change in Personal Information for the purpose of verification by the Platform.

TRANSFER OF INFORMATION

We may transfer Your personal information to other entities / third parties. If we do so, we will ensure the information is held securely to standards at least as good as those required in India and only Used for the purposes set out in this Privacy Policy.

We will retain and Use Your information as necessary to comply with Our legal obligations, resolve disputes, and enforce Our agreements.

NON-DISCLOSURE OF INFORMATION

We pledge that we will not sell or rent Your personal details to anyone and Your personal information will be protected and maintained strictly confidential by Us, except in the following cases:

● We may disclose Your personal information in the event it is required to do so by law, rule, regulation, law, enforcement, governmental official, legal or regulatory authorities and / or to such other statutory bodies who have appropriate authorisation to access the same for any specific legal purposes;

● We may disclose Your information in order to provide You the Services, enforce or apply the Terms of Use, or to protect the rights, property or safety of the Company, its Users or others. This includes exchanging information with other companies / agencies that work for fraud prevention;

● We may disclose Your information to such third parties to whom we transfer Our rights and duties under any agreement entered into with such third parties; and

● We may disclose Your information to any of Our affiliates or related entities.

● We may disclose Your information in order to provide You the Services, enforce or apply the Terms of Use, or to protect the rights, property or safety of the Company, its Users or others. This includes providing information to one or more lending partners, and exchanging information with other companies / agencies that work for fraud prevention.

ACCESS TO YOUR INFORMATION

You have a right to access certain personal records we hold about You. This is called a Data Subject Access Request, which You can make by writing to at Communication@thesikka.com make sure that Your information is accurate and up to date. You may ask Us to correct or remove any information that You think is inaccurate.

CONTACT FROM SIKKA

Aspart ofthe applicationprocess, weask You whether we maycontact Youabout Our products and services by telephone, post, email and SMS (or other reasonable method). If You ticked “yes” but no longer wish to receive such communications, please contact Us at email id Communication@thesikka.com

AGE

To register with Us You must be 18 years of age or older and Indian Resident. Minors are strictly forbidden from using the service.

DATA RETENTION

If You choose to deactivate Your account, please note that Your information will be retained and we will continue to use it as necessary to comply with Our legal obligations, resolve disputes, and enhance Our agreements or for any other business purposes (Non-Disclosure of Information). If in the future, You choose to resume Using Sikka, we may Use the retained information to re-activate Your account.

OPT OUT PROCEDURES

Upon initial communication from Us, You may opt-out of receiving further communications from Us. To be completely removed from Our mailing list, You may contact Us at our email Communication@thesikka.com. IfYou are Using an e-mail forwarding service orother similar service please make sure to include the correct e-mail address or addresses.

NODAL / GRIEVANCE OFFICER

Name: Jyoti Modi

Email: grievance@thesikka.com

Write to us on Communication@thesikka.com