Privacy Policy

This Privacy Policy is meant to help you understand what information we collect, why we collect it, how we handle and protect the personal information we collect, and how you can update, manage, export, and delete your information when you apply for or receive our product and services. We want you to understand why and how we collect personal information.

When you use the services of 3Gunas, you’re trusting us with your information. We understand this is a big responsibility and work hard to protect your information and put you in control. For this Privacy Policy, the term “You” or “User” shall mean any natural or legal person including online and offline clients using this App or its Services whether current services or future services and the term “We”, “Us”, “Our” shall mean 3 Gunas.

Use of this App or its Services signifies your acknowledgment and consent to this Privacy Policy.

In 3 Gunas, we provide you with an App and services for tracking the activity in your account. When you apply for or maintain, an account with us, we collect personal information about you for business purposes and for informing you about products and services that may be of interest to you and providing customer services.

By agreeing to avail of the services offered by 3 Gunas, you have agreed to the collection and use of your Sensitive Personal Data or Information, as well, by 3 Gunas. You always have the right to refuse or withdraw your consent to share/disseminate your Sensitive Personal Data or Information by contacting customer care. However, in the event of your refusal or withdrawal of personal data, you shall not be able to avail of any services of 3 Gunas to the fullest extent.

We want you to understand the types of information we collect as you use our apps and services.

• Information we collect as you use our App or its Services
• Information/documents that you provide to us on application and other forms, to name identification information:
  • Name
  • Gender
  • Date of birth
  • Email address
  • Phone number
  • Residential address
  • Government-issued Id
  • Tax Id
  • Photograph
  • Bank account or other payment instrument details
  • Any other detail which may be required by us for providing services
• Media Information:
  • We facilitate users to capture/upload relevant documents as may be required to be uploaded during user account management.
  • If you invite someone else to use the 3 Gunas service, 3 Gunas may collect information about that person, such as their name, email address, and phone number. 3 Gunas will use this information to process your requests, provide related services, and prevent fraud.
• Device Information:
  • We collect specific information about your device when you access our Services, including your storage, hardware model, operating system and version, unique device identifier, mobile network information, and information about the device’s interaction with our services.
  • We may collect information such as your usage history of our App, and IP address information to better understand user behavior and improve the serviceand advertising.
  • We may collect and store detailed information about your use of our services, including search terms, to improve the relevance of the results provided by us.
• Log information
  • When you use our service or view content provided by App, 3 Gunas automatically collects and stores certain information in the server log. This includes downloading details about how the user used the App service and device event information such as system activity.
• Location information
  • When you use our services, 3 Gunas can collect and process information about your physical location. We at 3 Gunas use a variety of technologies to determine your location, including IP address, GPS, as well as peripheral devices, Wi-Fi access points, base stations, and so on.
• Cookies and other technology
  • We use a variety of technologies to collect and store information when you use the service, which may include identifying your browser or device using cookies and other technologies. These technologies help us understand user behavior, identify where users are using the service, facilitate advertising and search functions, and measure their effectiveness. We also use these technologies to collect and store information when you interact with the services 3 Gunas
    provides to its partners.
  • You can also set your browser to block all cookies, including cookies associated with the 3 Gunas service, to notify you when 3 Gunas is installing cookies. However, please be aware that blocking cookies may prevent many 3 Gunas services from working properly.
  • Purpose of Collection and Usage of Information: Through our App, we collect, retain, and use information about you only when we reasonably believe that it will help administer, our business or provide products, services, and other opportunities to you. Such information is collected for specified business purposes, such as:
• to provide you with the services that might be required by you
• to process your financial and non-financial transaction requests
• to check and process your applications which may be submitted for availing any financial services,
• to share with you any updates/changes to the services and their terms and conditions,
• to take up and investigate any complaints/claims/disputes,
• for verification of your identity and other parameters,
• to fulfill the requirements of applicable laws/regulations and/or court orders / regulatory directives received by us.
• Sharing / Disclosure of Information
  • As described in this privacy policy, we will not use your personal information for any other purpose as stated above without obtaining your permission to do so. We may share information provided by you for business purposes based on our instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures:
• Any judicial or regulatory body
• Auditors
• third-party KYC verification service providers, not affiliated with us
• Companies under contract to perform services for us, or on our behalf Including but not limited to Vendors who prepare and mail statements and transaction confirmations or provide us data processing, computer software maintenance and development, processing and provide marketing services.
• non-affiliated companies and regulatory authorities as permitted or required by applicable law
• servicing customer accounts
• informing customers about new products and services
• Retention of Information
  • 3 Gunas shall not retain or store such information for periods longer than is required for the purposes except when the information may lawfully be used or is otherwise required under any other law for the time being in force.
• Communications & Notifications
  • When You use the App or our services or other data, information, or communication to us, You agree and understand that You are communicating with us through electronic mode and You consent to receive communications from us periodically. We may send notifications to you via App or email.
• Updating or Reviewing Your Information
• We endeavor to keep our customer files complete and accurate. We will give you reasonable access to the information we have about you. Most of this information is contained in account statements that you receive from us and applications that you submit to obtain our products and services. 3 Gunas shall ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible.
• Reasonable Security Practices for Protecting Your Information
  • 3 Gunas uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your personal information.
  • All information gathered on said App is securely stored within the 3 Gunas controlled database. The database is stored on secured servers access to which is password-protected and is strictly limited.
  • To protect your privacy and security, 3 Gunas takes reasonable steps (such as requesting a unique password) to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your App, at all times
  • Although we use security measures to help protect your personal information against unauthorized disclosure, misuse or alteration, as is the case with all computer networks linked to the internet, 3 Gunas cannot, however, ensure or guarantee the security of any information you transmit to 3 Gunas and you do so at your own risk. Once we receive your transmission of information, 3 Gunas makes commercially reasonable efforts to ensure the security of such information.
• Changes to Our Privacy Policy
  • Please note that this policy may change from time to time. If We change our privacy policies and procedures, We will post the same on the App keep You updated. Changes to this Policy shall become effective on the day they are posted on this App.
• Grievance Redressal:
  • If you have any questions or concerns regarding 3 Gunas’ Privacy Policy or data processing, please contact 3 Gunas at any time.