Privacy Policy

PRIVACY POLICY

This document (hereinafter referred to as “Privacy Policy”) is an electronic record in terms of existing and applicable the Information Technology laws and its allied rules, regulations, directions and guidelines thereto pertaining to electronic records in various allied statutes to the Bangladesh Information and Communication Technology Act 2006 (“ICT Act 2006”). This electronic record has been generated by a computer system and does not require any authentication.

 

“Rthik Fintech Solutions Limited” (hereinafter referred to as “Rthik / Rthik.com / www.rthik.com / we / our”) understands the privacy and confidentiality of its viewers / users / consumers / customers who have shared their personal / financial / professional / business information with us. We are committed to maintain the confidentiality, integrity and security of all information of our viewers / users / consumers / customers. It's our topmost priority to keep the information secure and avoid misuse of viewers / users / consumers / customers details.

 

This Privacy Policy describes how Rthik collects and handles certain information it may collect and/or receive from you via the use of this platform. This Privacy Policy applies to current and former viewers /users / consumers / customers to our platform. By visiting and/or using our platform, you are accepting and consenting to the practices described in this Privacy Policy. Please read this Privacy Policy carefully so that you can understand our online privacy practices. This Privacy Policy may be modified at any time and from time to time. We encourage to periodically review.

 

A.    Collection of Information:

By our online registering process, we may collect your personal / financial / professional / business information directly from you. As per your interest and in order to availing any financial products / services form the respective Banks / NBFI’s through our platform, we may collect your detail information related to the products / services you quoted through us. Moreover, we may collection of information from any other sources, including third parties, business partners, our affiliates, or publicly available sources.

 

B.    Using of Information:

We may use of your information in order to:

 

-  To identify you when you engage with us and our Services.

-  To enable you to access and uses of our services.

-  To communicate with you, in order to verify the personal information provided, or to request any additional information that is vital to fulfilling the service you have applied for.

-  To process your applications submitted by you to the related parties/business partners / Bank / NBFI’s for facilitating and delivering services to you quoted through us.

-  To refer you the financial products / services, and / or financial institutions (or their authorized representatives) specified by you while completing application forms on our platform.

-  Respond to queries, or requests submitted by you, and resolve your grievances / issues / problems with any services supplied to you.

Administer or otherwise carry out our obligations in relation to any agreement with our business partners.

-  Send you information about special promotions or offers which we think may be of interest to you. We might also tell you about new features or products / services. These might be our own offers or products / services, or third-party offers or products / services with whom Rthik has a tie-up.

-  To send you notices, communications, and recommend services that might be of interest to you update our records and generally maintain your accounts with us, display content and customer reviews.

-  To deliver marketing and promotional materials related to our services in accordance with applicable laws, including information relating to our products, services, sales, marketing research or promotions.

-  For internal administrative purposes, such as safety and security of our Services, and to manage our relationships.

-  To permit you to participate in social sharing, including live social media feeds and to implement Social Features you choose to use.

-  To detect security incidents, and protect against malicious, deceptive, fraudulent, or illegal activity, including attempts to manipulate or violate our policies, procedures, and terms and conditions.

-  To comply with legal obligations, to establish or exercise our rights, to defend against a legal claim, and to investigate, prevent, or take action regarding possible misconduct.

-  For such other purposes not described in this Privacy Policy as you may consent (from time to time) and as otherwise permitted by law.

 

C.    Sharing and Disclosure of Information:

We will not sell or rent or otherwise disclose your personal / financial / professional / business information for commercial purposes to anyone in a way that is contrary to the commitments made and/or other than as set forth in this Privacy Policy. Notwithstanding the foregoing, we may share your information to an affiliate and/or business partner. We 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 our business or upon the merger, reorganization, or consolidation of it with another entity on a basis that it is not the surviving entity. 

 

We restrict the collection and use of your personal information. We may disclose your personal information in a non-personally identifiable manner that does not reveal your identity. Access to your Account information and any other personal identifiably information is strictly restricted and used only in accordance with specific internal procedures, and for the purposes set out in this Privacy Policy, in order to operate, develop or improve our services. We may use third party service providers to enable you to provide with our services and we require such third parties to maintain the confidentiality of the information we provide to them, under our contracts with them.

 

We have showcased various types of financial products/services such as borrowing products, investment products, credit cards and some other products offered by any Bangladeshi Banks / NBFI’s / Third-parties on our platform. If you choose to apply for these separate products / services through our platform by disclosing your personal / financial / professional / business information for the purpose of availing this products/services of any Bank / NBFI’s / Third-parties. In this case we will share/disclose your personal / financial / professional /business information with the respective Banks / NBFI’s / Third-parties. Respective Banks/ NBFI’s / Third-party will protect you information by their own privacy policy, we will not be responsible for their privacy policy. In this regard, we encouraged you to visit and read about the privacy notices and procedures adopted by them, when you apply for their products or services.

 

We may also share / disclose your information, without obtaining your prior written consent, with the 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. You agree and consent for the Website to disclose your information, if so required, under applicable law of the land.

 

D.    Security of Information:

We understand the privacy and confidentiality of your personal / financial / professional / business information which you have shared with us. We are committed to maintain the confidentiality, integrity and security of all information of our viewers/users/consumers/customers. It's our topmost priority to keep the information secure and avoid misuse of viewers / users / consumers / customers details. 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 unauthorized 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. Moreover, our viewers / users / consumers / customers are also responsible for maintaining the confidentiality and security of their login id and password, and may not provide these credentials to any third party.

 

(a)   Tracing via Cookies:

We and our partners uses cookies to analyze trends, manage the website, improve marketing, track user's preferences around the website and collect demographic figures for overall use. You can control the use of cookies at an individual browser stage by disabling these cookies that may restrict your use of certain features or services on our website.

 

(b)   Uses of Log Files:

Like most standard websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring / exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer to you, to improve marketing, analytics or site functionality.

 

(c)   Connection to Other Websites:

There might be affiliates or other sites linked to our platform. Personal information that you provide to those sites are not our property. We are not responsible for any losses / damages of personal information through other sources. These affiliated sites may have different privacy practices and we encourage you to read their privacy policies when you visit them.

 

(d)   Third Party Advertising:

We may use third-party advertising companies and/or ad agencies to serve ads when you visit our platform. These companies may use information (excluding your name, address, email address, or telephone number) about your visits to this platform in order to provide advertisements on this platform and other third party websites about goods and services that may be of interest to you.

 

We use third-party service providers to serve ads on our behalf across the internet and sometimes on this platform. They may collect anonymous information about your visits to Website, and your interaction with our products and services. They may also use information about your visits to this and other Websites for targeted advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major Websites. No personally identifiable information is collected or used in this process.

 

(e)   Modification in this Privacy Policy:

Rthik reserves the right to modify this policy at any time and from time to time, at its sole discretion. We may update this privacy policy to reflect changes to our information practices. We encourage to periodically review.