Terms of use

Privacy Policy

Our privacy policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this policy periodically. By visiting this Website you agree to be bound by the terms and conditions of this Privacy Policy and the Terms of Use of the Website. If you do not agree please do not use or access the 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. This Privacy Policy is incorporated into and subject to the Terms of Use. This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the Privacy Policy and Terms of Use for access or usage of the website – www.invotiate.com

Last updated: May 9, 2017

Welcome to our domain invotiate.com (“Website” “Site” or “Service”) owned and operated by Invotiate LLC, a Company incorporated under the Laws of Delaware, USA (“Company”, "Us", "We", or "Our"). The present policy has been formed in compliance with Delaware Online Privacy and Protection Act and is governed by laws of Delaware.
We value the trust you place in us. That's why we insist upon the highest standards for secure transactions and User information privacy.
Please read the following guidelines/policy to learn about our content administration specifically Sensitive Personal Information of users. The following Privacy Policy should be read along with our Terms of Use for a full understanding of Invotiate business practice as well as the Users (Users includes individuals, company or any other body corporate and their duly authorised legal representatives) responsibilities while operating the Platform.
This Policy informs you about how we collect, use and disclose your Personal information when you use our Website. Please take note that we do not use or share your personal information with anyone except as described hereunder.
We only use your Personal Information to improve our Service to you and our other Users. Our goal is to maximise smooth user interactions and a user friendly service that facilitates our customers in doing there business with us. By continuing to use our Website, you consent to the collection and use of your Personal Information and Sensitive Personal Information as stated in this Privacy Policy. Unless expressly stated otherwise, all terms used in this Privacy Policy will hold the same meaning as that in the Terms and Conditions of the Website.

Information Collection And Use
There are areas of our Website that require you to provide us with certain personally identifiable information. We will use this information to contact you and identify you. This information includes but is not limited to your social accounts, email address and name (“Personal Information/Sensitive Personal Data””) such as your name, mailing address, phone number, email address, credit card number, pan number, tin number, income tax returns, bank account number, passport details, driving license details, personal statements, reasons for seeking finance, income sources and financial information.
We also collect non-personal information from you, such as your browser type, the URL of the previous website you visited, your ISP, operating system, and your Internet protocol (IP) Address ("Non-Personal Information"). Non-Personal Information cannot be easily used to personally identify you. .Invotiate We also collect specific information through linked social profiles, your risk score, professional relationship score and other information that we receive from third-party providers. We use this information to improve our service to you and other users. We do not sell or share this information with any third party.

Confidentiality, Information Sharing and Disclosure
Invotiate will not sell or rent your information to anyone other than as set forth in this Privacy Policy. Notwithstanding the foregoing, we may share your information to an affiliate and/or business partner. Our Platform may also share, sell, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of Invotiates business or upon the merger, reorganization, or consolidation of Invotiate LLC with another entity on a basis that Invotiate.com is not the surviving entity.

We limit the collection and use of your personal information.
We may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner. Such information does not identify you individually. Access to your Account information and any other personally identifiable information is strictly restricted and used only in accordance with specific internal procedures, in order to operate, develop or improve our Services. We may use third party service providers to provide you with our Services and we ensure such third parties to maintain the confidentiality of the information we provide to them under our contracts with them.

Law and Data Protection
We may also share your information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. Any Information may be required to be disclosed to any third party by us by an order under the law for the time being in force.
We may, also, disclose your Personal Information to any successor-in-interest of ours, such as a company that acquires us. In the event Invotiate LLC goes through a business transition, such as a merger or acquisition by or with another company, or sale of all or a portion of our assets, your Personal Information will likely be among the assets transferred. You will be notified via email or by a notice on our Website of any such change in ownership or control of your Personal Information. We may contract with various third parties who help us provide, maintain and improve the Invotiate.com and our Company Services. We also contract with several online partners to help manage, monitor and optimize our Website and its Services to help us measure the effectiveness of our advertising, communications and how visitors use the Website. We will use commercially reasonable efforts to prevent such third parties from disclosing your Personal Information, except for the purpose of providing the services in question. We cannot guarantee that such third parties will not disclose your Personal Information. In no circumstances, Invotiate.com shall disclose data in relation to your financial status, income statements, earnings, source of earnings, personal identification numbers, passwords, code numbers, bank account numbers, credit card numbers, expiry dates relationship numbers, CVV numbers, encryptions, cookies and other such electronic details.
We will disclose Non-Personal Information, in aggregate form, to potential strategic partners, advertisers, investors, customers, and others. You may not opt-out of the sharing of this information. However, it cannot be easily used to identify you personally.
To make an improvement in its business Invotiate.com may share the personal information of a user with a Credit Rating/Report Agencies such Credit Information Bureau in your country and the information shall be shared with Credit Rating Agencies in the event, Reserve Bank of India issues guidelines or direction in this regard.

Log Data
Log data is information that your browser sends whenever you visit our Website, such as your computer’s Internet protocol (“IP address”), your browser type or version, the pages you visit on our Website and data on the time, date of your visit. We may further use information from your past transactions to analyse the information to improve our Website’s functionality and offering to you.

Cookies are small files with data that we use to uniquely identify you. We do not associate any of your Personal Information with these unique identifier files. We send cookies to your browser from our website and these cookies are stored on your computer’s hard drive. You can tell your browser to decline all cookies or to indicate when a cookie is being sent. In the event that you decide to decline cookies from our Website, you may not be able to use some parts of our Service.

Service Providers
From time to time we may employ other service providers to help us in facilitating our Website and to assist us with intelligent analysis of how our Service is used by our Users. These Service Providers will gain access to your Personal Information but only in the course of performing these tasks on our behalf. All such Service Providers are bound by our agreements to maintain confidentiality of this information and not to disclose it for any other purpose.

Marketing Communications
We occasionally use your Personal information to inform you about our promotional materials, send you newsletters and other similar marketing material that we think you will find interesting. You can select to stop receiving such communication by simply clicking the unsubscribe link at the bottom of our promotional email, sms or by simply contacting us.

Compliance With Laws
We reserve the right to disclose any and all your Personal Information if we are of the view that it is essential for the security of our Website or when required to do so by law, if we are of the view that it is necessary for our compliance with the law and upon reasonable requests of the law enforcement authorities.

We employ appropriate technical and organizational security measures at all times to protect the information we collect from you. We use multiple electronic, procedural, and physical security measures to protect against unauthorised or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. Further, you are responsible for maintaining the confidentiality and security of your login id and password as we will not provide these credentials to any third party. We strive to keep all your Personal Information secure and , however we cannot guarantee that any transmission on the web or mode of electronic storage will be fully secure. Wwe assure you that we use all commercially viable means to protect your Personal Information but we are unable to offer any guarantees of its security.

Transfer of Information
We may transfer and maintain your Personal Information on computers that are located in jurisdiction other than yours and that Your Personal Information may be governed by data protection laws that are different to those in your current state or country.
Please note that if you are domiciled outside of United States of America and you choose to provide us with Personal information, we may transfer your Personal Information to USA and process it here. By using our Website and submitting your Personal information you consent to such transfer and processing of your Personal Information.

Links To Other Sites
Our Website may contain links to third party sites that are not owned or operated by us. Please take note that if you click on any third party links, you will be directed to such third party website. Such third party sites have their own Privacy Policy and you are hereby advised to review their Privacy Policy prior to using their site.
We assume no responsibility for any content made available on these third-party sites or their practices. You access and use these sites solely at your own risk.

Under-age Users Privacy
Our Website is not addressed for anyone under the age of 18 ("Children").
We do not collect any Personal Information from anyone under the age of 18 years. If you are the legal guardian of a Child who you believe has provided us with his/her Personal Information, please contact us immediately and we will take steps to remove such Personal Information from our servers immediately.

Changes To This Privacy Policy
We reserve the right to modify and update this Privacy Policy at any time. We will notify you of any changes to the Privacy Policy by changing the last updated date on this page. You are advised to review this Policy periodically. Please take note that any changes will be effective when posted on this web page.

Invotiate.com intends to provide clear information about financial banking products and Services. The information and data on the Site are generic in nature. Our efforts are to offer accurate and responsible data. We are not responsible for any sort of discrepancies. There is no purpose of violating any copyright or intellectual copyrights issues. All information provided on the portal Invotiate.com is subject to the discretion of the same and is likely to change without any notice. Though, any changes in public utility will be communicated immediately on our portal. We have tried to maintain high standards in quality, clarity, and accuracy of the material posted on the portal. Invotiate.com is not legally responsible for the same in any matter whatsoever. Employees, partners, and associated staff of Invotiate.com are not accountable for any loss, harm, or damage due to usage of information from the portal. Customers are advised to use their own discretion in such matters. The information provided on the portal is of financial, insurance, and legal nature. It is a mutual understanding that customers association with the portal will be at the customer's preference and risk. Visitors to this Site and every third party associated with Invotiate.com are hereby informed that the owners of this Site, viz., Invotiate LLC ., are the neither the intermediaries nor promoters of the products or the services of the banks and financial services companies, being whose products are dealt with in this Site. It is made abundantly clear that Invotiate India Pvt Ltd , its directors, shareholders, officers, employees and Invotiate.com are in no way responsible or liable for any of the user’s investment or credit buying decision(s) (availing any kind of loans or any other financial services or taking credit card through us), and every prospect/loan seeker/ investor/Lender/ Peer/ policy-holder shall be solely responsible for the consequences of their decision(s).

Contact Us
If you have any questions about this Privacy Policy, please email us at support@invotiate.com, Invotiate.com.