Privacy Policy

Introduction
This Privacy Policy is published by Scuti Capital and Assets Pvt Ltd, a company incorporated under the Companies Act, 2013, with its registered office at Amar Arcade, Office No. 7, NH 65, Pune, 411028, (CIN: U72900KA2021PTC151652), hereinafter referred to as “Company” or “Scuti.” This policy governs the collection, use, and sharing of personal information of users (hereinafter referred to as “Users”) who interact with the SCUTI Website (www.scuti.com/corporate), including those who download, register, or purchase financial products.

Compliance with Law
This Privacy Policy aligns with relevant Indian data protection laws, including the Information Technology Act, 2000, and its related rules on Security Practices, Sensitive Personal Data, and Intermediary Guidelines. Scuti strives to protect Users’ personal and sensitive information, hereinafter referred to as “Information.”

Scope of Collection and Use of Information
Scuti collects various personal and sensitive details, including:

• Identification and Contact Information: Name, address, mobile number, and email for communication and KYC compliance.
• Financial Information: PAN, Aadhar, and credit data to assess eligibility for financial products.
• Biometrics: Facial recognition and fingerprint access for enhanced security.
• Device Permissions: Access to camera, gallery, WhatsApp, contacts, and educational certificates for account setup, notifications, and profile management.
• Location and Device Data: Location and screen-lock permissions for website functionality and security.
• Credit Score Access: To assess creditworthiness for financial product offers.

This data is primarily collected to enable Users to use the website, facilitate transactions, conduct audits, comply with legal regulations, and improve the quality of products and services.

Consent for Credit Information Access
By using Scuti’s services, Users consent to access their credit data for assessing creditworthiness and personalizing financial product offers.

Data Sharing
Scuti may share User data only in compliance with this Privacy Policy:

• Third-Party Access: Authorized personnel and third-party service providers have restricted access, only as needed for service provision and with confidentiality obligations.
• Legal Compliance and Mergers: Scuti may disclose data as legally required or if the company undergoes a change in ownership or merger.

Data Security
Scuti implements reasonable safety practices per Indian standards, including encryption, to safeguard data. However, Scuti is not liable for security breaches beyond its control, such as cyber-attacks or force majeure events.

User Rights and Grievance Redressal
Users may request copies, updates, or deletion of their data by contacting Scuti’s Grievance Officer at [email address]. Upon verifying identity, Scuti will assist with requests in a time-bound manner. Users withdrawing consent may face restricted website access.

Third-Party Advertisements
Scuti’s website may feature third-party financial products, redirecting Users to third-party websites. Scuti disclaims responsibility for these websites’ privacy practices, advising Users to review their policies before proceeding.

Acceptance and Modifications
Use of the Scuti website constitutes acceptance of this Privacy Policy and Terms of Use. Scuti reserves the right to modify this policy and encourages Users to review it periodically for updates.

Jurisdiction
This Privacy Policy is governed by the laws of India, and any disputes will be resolved exclusively in Pune, India.

Scuti is committed to protecting User privacy, continuously updating its practices to safeguard personal data and enhance User experience.