Privacy Policy

For ARKA FINCAP Customers:

This document (“Privacy Policy”) is published by virtue of the legal requirement under the provisions of the Information Technology Act, 2000 that require intermediaries to publish the rules and regulations, privacy policy and terms for access or usage of their website/mobile app and is primarily governed by Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

The privacy policy covers how Tezzract Fintech Pvt Ltd uses any information that you give when you visit the Tezzract platform. The policy describes what information we collect from you, how we collect this information and what we do with it after we collect it. By using our website, you give consent to the use of your Personal Information by Tezzract in accordance with the terms set out in this Privacy Policy. We may make changes to the Privacy policy from time to time. We will notify you of any material changes to the privacy policy by sending you a notification

Information Collected

Personal Information: We collect personal information which includes but is not limited to name, mailing address, phone number, pan number, Redacted Aadhaar number, bank account number, ITR, Bank Statements, purpose of loan and other financial information. We may ask you to provide additional information about yourself, if required for the purpose of rendering our services. Tezzract may collect your personal data or information from a variety of sources, including: 1. Online and electronic interactions via the Application, text messaging programs or applications on third party social networks.

Tezzract may collect your personal data or information from a variety of sources, including:

  • Online and electronic interactions via the Application, text messaging programs or applications on third party social networks.
  • Offline interactions via collecting PDCs (if required), NACH mandate.

Non-personal information: We can also collect non-personal information such as IP address, browser type, operating system, and the URL of the previous website you visited.

Use of Information

We use the information to understand your credit profile and provide you with a better service. We also might send you promotional emails about new products, special offers or any other information which might be of relevance to you.

We will not sell or distribute your information to third parties unless we have your explicit permission to do so.

However, the information collected is shared to the following parties to perform their respective actions in order to cater the service requested by the user.

Party Name/Type Action

ServicesVendors Empaneled
EmailMicrosoft and QLC mail
Bank Statement AnalysisNovel pattern
Bank VerificationKarza Technologies
KYCKarza Technologies and Irish
NACHDigio and Nupay
Payment GatewayRazorpay
OCRAutonom8 and Novel pattern
PAN VerificationKarza Technologies

If you believe that any information you have provided to us is either incomplete or incorrect,

please write to us at [email protected] to request any changes. We never publicly disclose any personal information related to financial or payment activities or any government identification numbers.

By signifying your acceptance to the provisions of the Privacy Policy and by providing your personal information, you consent to the collection and use of such personal information in accordance with this Privacy Policy, including but not limited to your consent for sharing your personal information as per this Privacy Policy. You specifically agree and consent to Tezzract Fintech Pvt Ltd and its partners for collecting, storing, processing, transferring, and sharing information (including personal information) related to you in the manner set out in this Privacy Policy.

All information, including personal information, disclosed by you shall be deemed to be disclosed willingly and without any coercion. No liability pertaining to the authenticity/ genuineness/ misrepresentation/ fraud/ negligence, etc. of the information disclosed shall lie on Tezzract nor will Tezzract in any way be responsible to verify any information obtained from you.

Information Holding

We will securely store the information collected from user excluding the data mentioned in the Archiving / removal clause of the policy until closure of the account with, for us to offer better services and products on an ongoing basis.

Cookies usage

A cookie is a small file placed on the hard drive of your computer. Most websites use cookies. We use cookies to track your use of the website and provide you with a more personalized user experience. You can choose either to accept or decline cookies. Most web-browsers automatically accept cookies, but you can change your browser settings to decline cookies as well.

Data minimization

The Organization shall ensure that personal data are adequate, relevant, and limited to what is necessary in relation to the purposes for which they are possessed.


  • We shall retain the information you provide to facilitate your smooth and uninterrupted use of the Platform, and (i) to provide, improve and personalize our services; (ii) to contact you about your account and give customer service; (iii) to personalize our advertising and marketing communications; and (iv) to prevent, detect, mitigate, and investigate fraudulent or illegal activities.
  • Except as permitted by applicable law, the information / data stored, retained, processed and transmitted pursuant to this Privacy Policy shall reside at a data storage center within the geographical territories of India.
  • The information / data retained shall exclude the data mentioned in Data Destruction clause hereinbelow.


We do not retain your Personal Information for longer than required for the purpose for which the information may be lawfully used. To ensure that Personal Information is kept for no longer than necessary, Company shall delete the KYC documents like PAN, Aadhaar and other OVD Documents of the user possessed for processing their loan application within 48 (Forty-Eight) hours from date of disbursement or rejection of the application.

For any other information, we may entertain your request for deletion, however, you may not be able to use our services at all after such deletion.

Right to withdraw consent

You have the option, at any time while availing our Services or otherwise, to withdraw your consent given to us, for processing your data. In case of withdrawal of your consent, we reserve the option not to provide the Services for which such information was sought. In case the Services are already availed and then you raise a request to withdraw consent, then we have the right to retain all the necessary data required to carry out our operations. The user can exercise the same by mailing us at [email protected]  

General Provisions

  • We will desist from accessing mobile phone resources like file and media, contact list, call logs, telephony functions from borrower phone resources.
  • We will ensure that access to camera, microphone, location or any other facility necessary for the purpose of on-boarding/ KYC requirements and only with the explicit consent of the borrower.
  • We will ensure that no biometric data is stored/ collected in the systems, unless allowed under extant statutory guidelines.
  • We will ensure that all data is stored only in servers located within India, while ensuring compliance with statutory obligations/ regulatory instructions.
  • We will report security breach to concerned authority & stakeholders on timely manner.

Due Diligence & Security

Data security is our priority. To prevent unauthorized access, we have the required procedures and firewalls (both electronic and physical) to safeguard your data.

Steps for handling security breach

  • Move quickly to secure the systems and fix vulnerabilities that may have caused the breach.
  • Switch off the servers and change the access code to prevent additional data loss.
  • Mobilize the breach response team right away to prevent additional data loss.
  • Additional security required will be placed as and when required.
  • Securely delete personally identifiable information (PII) and other sensitive data when it no longer needed for business purposes.

Other Sites Links

We provide links to other websites within our site. Once you use these links to leave our website, you should understand that we cannot guarantee the privacy of any data that you may have divulged on these websites. You should exercise caution and read the privacy policy of the concerned website before sharing any data.


WhatsApp option – ‘By Signing Up, the user agrees to receive communication from Tezzract via WhatsApp, Email, Messaging or any other communication channel. Email Soft calls and SMS

Changes in Privacy Policy

Our Privacy Policy might change from time to time, and Tezzract will update it on the app/website.

Contact Us

If you have questions, concerns, or grievances regarding this Privacy Policy, you can email us at [email protected] or reach out to our grievance officer mentioned below:

Officer Name: Mrs. Tarannum Khan
Officer Email: [email protected]

Officer Name: Mrs. Tarannum Khan
Officer Email: [email protected]

The Grievance Officer can be contacted between 10:00 a.m. to 7:00 p.m. from Monday to Saturday except on public holidays.

We confirm that our privacy policy is compliant with applicable laws, associated regulations and RBI guidelines.

For Clix capital:

Personal Information

You may choose to provide personal information (such as your name, address, telephone number and email address) on this website. Here are some of the ways you may provide the information and the types of information you may submit. We also tell you how we may use the information.

Contact Us:

If you email us through the “Contact Us” link on this site, we ask you for information such as your name and email address so we can respond to your questions and comments. You may choose to provide additional information as well.

Questionnaires and Surveys:

We occasionally may ask visitors to our web site to complete online surveys and opinion polls about their activities, attitudes and interests. These surveys help us serve you better and improve the usefulness of our site. In conducting these surveys, we may ask you for your name and email address. We do not keep any personal information about you in connection with your participation in any survey unless you specifically agree to provide that information.

Send Content to a Friend:

You can send certain content to your friends. To do so, we ask you to provide your name and your friend’s email address. We use this information to send the content to your friend.

Non-Personal Information

We may collect certain aggregate and non-personal information when you visit this web site. Aggregate and non-personal information does not relate to a single identifiable visitor. It tells us such things as how many users visited our site and the pages accessed. By collecting this information, we learn how to best tailor our web site to our visitors. We collect this information either through “cookie” technology or with “web beacons,” as explained below.


Like many companies, we use browser cookies on this web site. Browser cookies are bits of text that are placed on your computer’s hard drive when you visit certain websites. We use browser cookies to tell us, for example, whether you’ve visited us before or if you’re a new visitor and to help us identify site features in which you may have the greatest interest. Browser cookies may enhance your online experience by saving your preferences while you are visiting a particular site.

The “help” portion of the toolbar on most browsers will tell you how to stop accepting new browser cookies, how to be notified when you receive a new browser cookie, and how to disable existing browser cookies. Remember though, without browser cookies, you may not be able to take full advantage of all our web site features. We also use flash cookies on our web site to enhance your online experience. Flash cookies are similar to browser cookies, except that they can store data more complex than simple text. Flash cookies, by themselves, cannot do anything to or with the data on your computer. In addition, flash cookies cannot access or remember your email address or other personal information unless you provide the information on this site. We use flash cookies to provide you with a better user experience. You are free to manage and disable flash cookies by clicking here for Manage and Disable Flash Cookies.

Web Beacons

Certain pages on our site contain “web beacons” (also known as Internet tags, pixel tags and clear GIFs). These web beacons allow third parties to obtain information such as the IP address of the computer that downloaded the page on which the beacon appears, the URL of the page on which the beacon appears, the time the page containing the beacon was viewed, the type of browser used to view the page, and the information in cookies set by the third party. We use log files to store the data that is collected through web beacons. We may also use third party web beacons to help manage online advertising, which may be provided by other third parties, Google Analytics, and Omniture. These files enable Google Analytics and Omniture to recognize a unique cookie on your web browser, which in turn enables us to learn which advertisements bring users to our website.

The cookie on your web browser was placed by us, or by another advertiser who works with Google Analytics, another third-party web services company. With both cookies and web beacon technology, the information that we collect and share is anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email address. For more information about Google Analytics, including information about how to opt out of these technologies, go to For more information about Omniture, including how to opt out of these technologies, go to

Information We Share

We do not sell or otherwise disclose personal information about our web site visitors, except as described here. We may share information provided by our visitors to us with service providers we have retained to perform services on our behalf. These service providers are contractually restricted from using or disclosing the information except as necessary to perform services on our behalf or to comply with legal requirements. In addition, we may disclose information about you (i) if we are required to do so by law or legal process, (ii) to law enforcement authorities or other government officials, or (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity. We reserve the right to transfer any information we have about you in the event we sell or transfer all or a portion of our business or assets.

Information We Transfer

We may transfer the personal information we collect on this site to other countries where we do business, but we will do so only for the purposes described above. When we transfer your information to other countries, we will protect that information as described here unless otherwise required by applicable laws.

Links to Other Sites

We provide links to other web sites for your convenience and information. These sites may have their own privacy statements in place, which we recommend you review if you visit any linked web sites. We are not responsible for the content of linked sites or any use of the sites.

How We Protect Personal Info

We maintain administrative, technical and physical safeguards to protect against unauthorized disclosure, use, alteration or destruction of the personal information you provide on this web site. We use secure socket layer (SSL) technology to help keep the personal information you provide on this site secure.

Updates to Our Privacy Policy

This Privacy Policy may be updated periodically and without prior notice to you to reflect changes in our online information practices. We will post a prominent notice on this web site to notify you of any significant changes to our Privacy Policy.

How to Contact Us

If you have any questions or comments about this Privacy Policy or if you would like us to update information, we have about you or your preferences, please contact us by:

Emailing us at: [email protected]

Writing to us at: J Unit Jamnotri CHS Ltd, Office 2, Next to Umedbhai Patel English School, Sunder nagar, S V Road, Malad West, Mumbai Maharashtra 400064