Privacy Policy

Last Updated: January 15, 2025

At Girwe, we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our platform.

1. Introduction

Girwe (“we,” “us,” “our”) operates a peer-to-peer lending marketplace at girwe.com (“Platform”). This Privacy Policy applies to all users: borrowers, lenders, and lawyers.

By using our Platform, you consent to the collection and use of your information as described in this policy.

2. Information We Collect

We collect the following types of information:

Personal Information:
* Name, date of birth, gender
* Email address and phone number
* Residential address
* Government-issued ID (Aadhaar, PAN, Driving License, etc.)
* Photographs for identity verification

Financial Information:
* Bank account details
* Income information
* Credit history (if provided)
* Transaction history on our platform

Asset Information (for Borrowers):
* Details of pledged assets (property, vehicles, equipment)
* Ownership documents (property papers, RC books, etc.)
* Asset photographs and descriptions
* Valuation information

Professional Information (for Lawyers):
* Bar Council registration details
* Professional credentials and certifications
* Practice area and experience
* Verification history

Technical Information:
* IP address and device information
* Browser type and version
* Operating system
* Cookies and usage data
* Login times and activity logs

Communication Data:
* Messages between users
* Support tickets and correspondence
* Feedback and reviews

3. How We Collect Information

We collect information through:

Direct Submission: When you register, create listings, or update your profile

Automated Collection: Through cookies, analytics, and tracking technologies

Third Parties: From verification services, credit bureaus, and payment processors

User Interactions: From your communications and transactions on the platform

4. How We Use Your Information

We use your information to:

Platform Operations:
* Create and manage your account
* Facilitate connections between borrowers, lenders, and lawyers
* Process transactions and payments
* Verify identity and prevent fraud

Communication:
* Send transaction confirmations and updates
* Provide customer support
* Send important notices and policy updates
* Marketing communications (with your consent)

Improvement and Analytics:
* Analyze platform usage and performance
* Improve our services and user experience
* Develop new features
* Conduct research and analytics

Legal Compliance:
* Comply with legal obligations
* Enforce our Terms and Conditions
* Protect against fraud and illegal activities
* Respond to legal requests and court orders

5. Information Sharing and Disclosure

We share your information with:

Other Users:
* Borrowers and lenders see each other’s basic profile information
* Lawyers see pledge details for verification purposes
* Public listings show limited information

Service Providers:
* Payment processors for transactions
* Identity verification services
* Cloud storage and hosting providers
* Analytics and marketing tools

Legal Authorities:
* When required by law or legal process
* To protect our rights and safety
* To prevent fraud or illegal activities

Business Transfers:
* In case of merger, acquisition, or sale of assets

We do NOT:
* Sell your personal information to third parties
* Share your data for unrelated marketing purposes
* Disclose sensitive information without consent (except as legally required)

6. Data Security

We implement security measures including:

Technical Safeguards:
* SSL/TLS encryption for data transmission
* Secure servers and databases
* Regular security audits and updates
* Access controls and authentication

Organizational Measures:
* Employee training on data protection
* Confidentiality agreements
* Limited access to personal data
* Incident response procedures

However, no system is 100% secure. You are responsible for maintaining the confidentiality of your account credentials.

7. Data Retention

We retain your information:

Active Accounts: For as long as your account is active

Closed Accounts: Up to 7 years after closure for legal and compliance purposes

Transaction Records: As required by law (typically 7-10 years)

Marketing Data: Until you opt out or withdraw consent

You can request deletion of your data, subject to legal retention requirements.

8. Your Rights and Choices

You have the right to:

Access: Request a copy of your personal data

Correction: Update or correct inaccurate information

Deletion: Request deletion of your data (subject to legal requirements)

Objection: Object to certain data processing activities

Portability: Receive your data in a portable format

Withdraw Consent: Opt out of marketing communications

To exercise these rights, contact us at privacy@girwe.com

9. Cookies and Tracking Technologies

We use cookies and similar technologies to:

Essential Cookies: Enable core platform functionality

Analytics Cookies: Understand how users interact with our platform

Marketing Cookies: Deliver relevant advertisements

You can control cookies through your browser settings, but this may affect platform functionality.

10. Third-Party Links

Our Platform may contain links to third-party websites. We are not responsible for their privacy practices. Please review their privacy policies before providing any information.

11. Children’s Privacy

Girwe is not intended for users under 18 years of age. We do not knowingly collect information from minors. If we discover such data, we will delete it immediately.

12. International Data Transfers

Your data is primarily stored and processed in India. If transferred internationally, we ensure adequate protection through appropriate safeguards.

13. Marketing Communications

We may send you:
* Platform updates and announcements
* New features and services
* Promotional offers and opportunities

You can opt out anytime by:
* Clicking “unsubscribe” in emails
* Updating your account preferences
* Contacting us at privacy@girwe.com

14. Data Breach Notification

In case of a data breach affecting your personal information, we will:
* Notify you within 72 hours
* Inform relevant authorities as required by law
* Take immediate steps to mitigate harm
* Provide guidance on protective measures

15. Updates to This Policy

We may update this Privacy Policy periodically.

Notice: We will notify you of significant changes via email or platform notification

Effective Date: Changes take effect on the date specified

Continued Use: Your continued use constitutes acceptance of the updated policy

16. Legal Basis for Processing (India)

We process your data based on:

Consent: When you agree to our terms and provide information

Contract: To fulfill our obligations under user agreements

Legal Obligation: To comply with Indian laws and regulations

Legitimate Interest: To operate and improve our platform

17. Compliance with Indian Laws

We comply with:
* Information Technology Act, 2000
* Information Technology (Reasonable Security Practices) Rules, 2011
* Other applicable Indian data protection laws

18. Contact Information for Privacy Matters

For privacy-related questions or concerns:

Email: privacy@girwe.com
Address: Girwe, Satna, Madhya Pradesh, India

Data Protection Officer: [To be appointed]

Response Time: We will respond to privacy requests within 30 days.

19. Grievance Redressal

If you have complaints about our privacy practices:

Step 1: Contact us at privacy@girwe.com
Step 2: We will investigate and respond within 30 days
Step 3: If unresolved, you may approach relevant authorities

20. Your Consent

By using Girwe, you consent to:
* Collection and use of your information as described
* Transfer of data to service providers
* Processing for purposes outlined in this policy

You can withdraw consent anytime, but this may limit platform access.

Summary

We collect personal, financial, and asset information to operate our P2P lending marketplace. We use this data to facilitate transactions, verify identities, and improve our services. We share information only as necessary with other users, service providers, and legal authorities. We implement security measures to protect your data and respect your privacy rights.

For questions or concerns about this Privacy Policy, please contact us at privacy@girwe.com

Thank you for trusting Girwe with your information.

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