Privacy Policy

Fixdot Fintech Private Limited (“Fixdot” or “the Company”) is committed to protecting your privacy and personal information. This Privacy Policy outlines how we collect, use, store, disclose, and safeguard your data when you visit our website, access our platform, or engage with our services, in accordance with applicable Indian laws.

Customer confidentiality and privacy are of utmost concern to us. Our employees treat the information we have concerning your accounts in the same responsible and confidential manner that we want our own financial affairs treated.

By using our services, you agree to the terms of this Privacy Policy. You are advised to read this Privacy Policy carefully. If you do not agree to the terms of this Privacy Policy, please do not further use or access Fixdot website.

1. Collection of Information

In the course of providing its products and services, Fixdot may collect the following categories of information:

• Personal Information: Full name, gender, DOB, IDs (PAN, Aadhaar), contact info, photos, etc.
• Financial & Professional Information: Employment details, bank info, tax docs, credit scores.
• Business Information: Company details, GSTIN, CIN, invoices, ledgers, etc.
• Technical & Usage Data: IP, browser, OS, cookies, location, logs.
• Communications: Emails, chats, survey responses, support interactions.

2. Mode of Collection

• Directly via forms, KYC, interactions.
• Indirectly via cookies, analytics, log files.
• Third-party sources: bureaus, banks, gateways, authorities.
• Usage of services and features.

3. Consent

By accessing our services, you consent to collection and processing of your data. You authorize Fixdot to fetch data from verified sources and share with authorized partners. You can withdraw consent by writing to support@tapcapital.in, but services may be impacted.

4. Use of Information

• Credit evaluation, KYC verification.
• Disbursement & collection facilitation.
• Fraud prevention and legal compliance.
• Marketing, analytics, internal auditing.
• Service updates and communication.

5. Disclosure of Information

• Financial institutions, bureaus, and partners.
• Regulatory and law enforcement agencies.
• Third-party processors under strict confidentiality.
• Corporate restructuring entities (e.g., M&A).

6. Data Retention

Data is retained as long as necessary or legally mandated. Usage data is held for internal improvement and auditing, up to 8 years or more per applicable law.

8. Cookies and Tracking Technologies

Cookies are used for personalization and analytics. You may disable cookies, but doing so might limit features. Collected data is secured appropriately.

9. User Rights

• Access and review your data.
• Correct/update information.
• Withdraw consent or restrict use.
• Request data deletion or anonymization.
• Object to marketing messages.

Requests can be made via support@tapcapital.in and may require identity verification.

10. Third-Party Links

Fixdot is not responsible for third-party sites or their privacy practices. Users should review their policies before interacting with them.

11. Children’s Privacy

Fixdot does not knowingly collect data from those under 18. If found, such data will be deleted promptly.

12. Amendments to this Policy

Policy updates will be posted online. Continued use implies acceptance of revised terms.

13. Contact Us

For queries or concerns, email support@tapcapital.in.

14. Others

• This Privacy Policy does not constitute legal rights or obligations unless mandated by law.
• Fixdot retains intellectual property rights over website content including text, graphics, and branding.

Grievance Officer: In accordance with Digital Personal Data Protection Act, 2023 and rules made there under, we have appointed a Grievance Officer the name and contact details are provided below: