Privacy Policy

At Sammaan Capital Limited (formerly known as Indiabulls Housing Finance Limited) (hereinafter referred to as “Sammaan Capital” “we”, “us”, etc.), a company incorporated under the provisions of Companies Act, 1956, having our registered office at A-34, 2nd & 3rd Floor, Lajpat Nagar- II, New Delhi- 110024 and having corporate identity number L65922DL2005PLC136029, we value your trust and respect your right to privacy.

Sammaan Capital is committed to treating Data Privacy seriously. This Privacy Policy provides you with details about the manner in which your Personal Data is collected, stored and used by us in accordance with applicable laws, including the Digital Personal Data Protection Act, 2023 ("DPDPA"). We encourage you to read this Privacy Policy carefully to understand our practices regarding the processing of your Personal Data and your rights as a Data Principal under applicable law. By using our website, mobile applications, products, or services, you acknowledge that you have read and understood this Privacy Policy.

This privacy statement is applicable to Website and Applications (mobile and hybrid, hereinafter referred to “Applications”) of Sammaan Capital. This Privacy Policy applies regardless of whether you use a computer, mobile phone, tablet, or television or any other media or computer resource to access our services. It also applies to those who register on our Website/Applications in connection with use of our services, or whose data Sammaan Capital otherwise receives in connection with its services. It is important that you read the Privacy Policy carefully because whenever you use our Website/ Applications; your Personal Data will be processed (if at all) in accordance with this policy.

1. Data Privacy Principles

The processing of personal data by Sammaan Capital shall adhere to the following principles:

1.1 Lawfulness, fairness, and transparency

Sammaan Capital must process personal data in a lawful, fair, and transparent manner that upholds individuals' rights. Before starting any personal data processing activity, Sammaan Capital needs to identify and establish the legal basis for the processing. Sammaan Capital must verify that this basis is in line with regulatory requirements to ensure that the appropriate option is selected from those available. Personal data will only be obtained, processed, or stored when all requirements have been met. These requirements include:
a. Obtaining the data principal's explicit consent for processing their personal data for one or more specific purposes.
b. Processing is necessary for the performance of a contract to which the data principal is a party or to take steps at the request of the data principal prior to entering into a contract.
c. Processing is necessary for compliance with a legal obligation of Sammaan Capital.
d. Processing is necessary to protect the vital interests of the data principal or of another natural person.
e. Processing is necessary for compliance with applicable laws, regulatory requirements, judicial orders, contractual obligations, and purposes permitted under the Digital Personal Data Protection Act, 2023.
f. Processing shall be based on consent or any legitimate use permitted under applicable law including the Digital Personal Data Protection Act, 2023 or by a third party as permitted under applicable law, unless such processing adversely affects the rights of the data principal that require protection of personal data, particularly when the data principal is a child.
g. At all times, we take the processing of personal data seriously and ensure that we have legitimate grounds for such processing.

1.2 Purpose Limitation

To ensure security and privacy, Personal Data shall be collected only for specified, explicit, and legitimate purposes, and will not be subsequently processed in a way that is incompatible with those purposes. Sammaan Capital will process Personal Data only for the original purpose it was collected. To complete the processing, Personal Data may be shared with employees, affiliates, and other vendors only on a need-toknow basis and subject to contractual confidentiality and security obligations. Adequate technical and organizational measures are in place to protect the Personal Data. If Sammaan Capital intends to process Personal Data for other purposes than those for which it was initially collected, they shall seek specific consent from the Data Principals prior to such processing unless such processing is otherwise permitted under applicable law.

1.3 Data minimization

Sammaan Capital shall collect only the amount of personal data that isnecessary, relevant, and limited to the processing requirement. The systems, employees, processes, and activities of Sammaan Capital are designed to limit the collection of personal information to what is directly relevant and necessary to fulfil the specified purpose.

1.4 Storage limitation

Personal data shall be stored in an identifiable form for a period necessary for processing purposes. Sammaan Capital will follow defined procedures to ensure compliance with retention periods specified by relevant laws, contracts, and business requirements. Any disposal of personal data will prioritize the protection of data principals' rights and privacy using secure methods such as confidential waste disposal, shredding, secure electronic deletion or hard drive destruction.

1.5 Integrity and confidentiality (security)

Personal data is processed in a way that assures adequate security, which includes protecting against unauthorized or unlawful processing, accidental loss, destruction, or damage through technical or organizational measures. Sammaan Capital shall have appropriate security measures in place to prevent accidental, deliberate compromise, or unauthorized access to the personal data. These measures involve not only information security, i.e., network and information systems protection but also include physical and organizational security

1.6 Accountability

Organizations must demonstrate their compliance with data protection laws and principles by being accountable and showing how they adhere to these principles. The organizations must also provide details and a summary of the measures and controls in place to safeguard Personal Data and mitigate processing risks. Sammaan Capital will frequently conduct risk assessments and information audits to identify, assess, measure, and monitor the impact of Personal Data processing. Sammaan Capital will also adopt suitable and sufficient technical and organizational measures to ensure that Personal Data is protected, and data protection laws are adhered to. These measures may be documented, and Sammaan Capital can furnish evidence of their effectiveness.

Sammaan Capital collects and process Personal Data (“Personal Data, means and includes, any data about an individual who is identifiable by or in relation to such data ("Data Principal") either by itself or in combination with other information reasonably available, can be used to identify that individual.”) in a lawful, fair, and transparent manner that upholds individual’s rights. Prior to commencing any Personal Data processing activity, Sammaan Capital shall identify and document the lawful basis for such processing and ensure that the processing complies with applicable legal and regulatory requirements. Personal Data shall only be collected, processed, used, disclosed, or retained when all applicable requirements have been satisfied. Personal Data processed by Sammaan Capital may include:

a. Identifiers such as name, date of birth, gender, contact details, permanent account number (PAN), Aadhaar number, passport number, driving licence number, or other governmentissued identifiers;
b. Financial information such as bank account details, credit history, income details, transaction records, loan applications, insurance policies, and investment information;
c. Employment and professional information;
d. Education and qualification records;
e. Digital identifiers and online activity information, including IP address, device identifiers, login credentials, and usage data;
f. Biometric information used for identification, authentication, security, fraud prevention purposes regulatory compliance, or such purposes as may be communicated at the time of collection and subject to applicable legal requirements and;
g. Any information that is generated, collected, derived, inferred, or otherwise associated with an identifiable Data Principal through the processing of personal data

1. Information Collected when you use our Website

We collect data about you or your usage to provide better services to all of our users. We collect data in the following ways: -

a. Many of ourservicesrequire you to register/sign up for an account on Sammaan Capital. When you do, we will ask for Personal Data, such as, but not limited to your Name, Email Address, Contact Number, Country, Address to create/ update your Account.
b. When you use the Sammaan Capital Website to request a call back or more information or  more assistance or to apply for new loans, we will ask for Personal Data including but not limited to Name, Email ID and Contact Number.
c. We may collect your Personal Data such as but not limited to:
Financial Details-Bank Statement, Salary Statement; Family Details- Father, Mother, Spouse Name for compliance requirement purposes.
d. When you use the Sammaan Capital website to provide feedback, we collect your Personal Data including but not limited to Name, Title, Email ID, Contact Number, Address and Country.
e. We collect data about the services that you use and how you use them. This data includes Log Data and Location Data for security, fraud prevention, customer service, regulatory compliance, and improvement of our services.
f. We may collect your data through campaigns and publicly available sources for customer onboarding, verification, fraud prevention, risk assessment, and other lawful business purposes.
g. When you communicate with Sammaan Capital or use the Sammaan Capital platform to communicate with other members, we collect data about your communication and any data you choose to provide. If you choose to sign in with your social media account to access Sammaan Capital, or otherwise connect your social media account with the services of Sammaan Capital, you consent to our collection, storage, and use, in accordance with this Privacy Policy, of the data that you make available to us through the social media interface. Please see your social media provider's Privacy Policy and help center for more information about how they share data when you choose to connect your account.
h. Data collected during credit assessment/appraisal of loan, risk assessment, fraud checks, fraud detections, processes undertaken for fraud prevention, detecting malpractices or discrepant documents or information, prevention of misuse, assessment of credit worthiness, evaluation of financial standing, due diligence including but not limited to legal and technical checks, background check and verification , physical and other inspections, verifications, KYC Anti Money Laundering (AML) checks, monitoring, collections, recovery, customer service etc.
i. From any persons involved in any payment system or infrastructure or architecture of which Sammaan Capital is a part including National Automated Clearing House (NACH), UPI, Electronic Clearing Service (ECS), , Immediate Payment Service (IMPS), Real Time Gross Settlement (RTGS), National Electronic Fund Transfer (NEFT) etc., or from any persons(including TPAP) to whom the Sammaan Capital acts as a service provider, distributor, agent, referral entity, promoter, marketer, sponsor bank, PSP bank, trustee, etc., where you are part of any payment or withdrawal or transaction or purchase/ sale/ distribution of any Product, whether as payee, payer, beneficiary, intermediary, distributor etc. and whether your interface/ interaction is directly with us or not or with any such other person or any platform/app.

2. Information Collected when you use our applications

When you download our mobile application or use our hybrid application (related to our various services) we collect the below information, but not limited to –Email ID, Name, Address Country/City, Mobile Number. Sammaan Capital does not collect Personal Data about individuals  except when such individuals specifically provide such data on a voluntary basis. Upon such voluntary disclosure of Personal Data, we may further verify, collate or receive data about you from publicly and commercially available sources (as permitted by law), which we may combine with other data we receive from you. We may also receive data about you from third-party social networking services if you are already connected with those services.

We may process your Personal data:
a. based on your consent;
b. for the performance of contract with you;
c. products or services requested by you;
d. to comply with applicable laws, regulatory requirements, or lawful directions of authorities; or
e. for other lawful purposes permitted under the Digital Personal Data Protection Act, 2023.

We use Personal Data to provide you with loan you explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, assess your interest in our services, inform you about offers, products, services, updates, customize your experience, detect and protect us against errors, fraud and other criminal activity, enforce our terms and conditions, etc.

We may also use your Personal Data to send you offers regarding various services/facilities which Sammaan Capital or its group companies may, from time to time, launch. Your consent will be taken before we send you any such communication.

We may occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, gender, etc.). We use this data to customize your experience at Sammaan Capital. Since the surveys will be optional, any Personal Data you provide will be voluntarily given by you. All such data shall be transmitted and stored by us in an encrypted manner in accordance with all applicable laws to ensure the secrecy and confidentiality of the personal data and such Personal Data shall not be shared or used except as contemplated herein.

a. Device information (model, OS version, etc.):
b. App usage data (features accessed, session duration);
c. Cookies and tracking technologies.

Some of our Web pages utilize "cookies" and other tracking technologies. A "cookie" is a small text file that may be used, for example, to collect data about Website activity. Some cookies and other technologies may serve to recall Personal Data previously indicated by a Web user. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose  to block cookies with your browser, but please note that if you choose to erase or block your cookies, you will need to re-enter your original user ID and password to gain access to certain parts of the Website.

Tracking technologies may record data such as Internet domain and host names; Internet protocol (IP) addresses; browser software and operating system types; clickstream patterns; and dates and times that our site/application is accessed. Our use of cookies and other tracking technologies allows us to improve our Website/Applications and your Web experience. We may also analyses information that does not contain Personal Data for trends and statistics.

For more information about our use of cookies please refer to our Cookie Policy.

We restrict access to your Personal Data to employees who we believe reasonably need to know that data in order to fulfil their jobs to provide, operate, develop, or improve our products or services.

Sammaan Capital does not rent, sell, or share Personal Data about you with other people or nonaffiliated companies except: to provide products or services you've requested, when we have your permission, or under the following circumstances: We provide the data to trusted partners who work on behalf of or with Sammaan Capital under confidentiality agreements. These companies may use your Personal Data to help Sammaan Capital communicate with you about offers from Sammaan Capital and our marketing partners. However, these companies do not have any independent right to share this data.

We may share data to Credit information companies, bureaus, fintech entities, Central KYC Records Registry, or service providers for the purposes of obtaining any reports, credit scores, credit information, scrubs, financial standing, fraud check, fraud probability, reference checks, due diligence, inspections, risk analysis etc.

We may share data and information with our co-lending partners, co-originators, collaborators, and persons with whom we may have a tie-up. Further list of co-lending partners is updated in our website from time to time.

We may share data with any persons involved in any payment system or infrastructure or architecture of which Sammaan Capital is a part including NACH, UPI, ECS, , IMPS, RTGS, NEFT etc. or with any persons (including TPAP) to whom we acts as a service provider, distributor, agent, referral entity, promoter, marketer, sponsor bank, PSP bank, trustee, etc. where you are part of any payment or withdrawal or transaction or purchase/ sale/ distribution of any product, whether as payee, payer, beneficiary, intermediary, distributor etc. and whether your interface/interaction is directly with us or not or with any such other person or any Platform/App.

We may disclose your Personal Data to agents or contractors of Sammaan Capital and/orits group companies/affiliates to enable processing of transactions or communications with you “on need” basis. Your aforesaid data may be further used for assessment and analysis of our market, customers, products, and services and to understand the way people use our services so that we can improve them and develop new products and services. However, it shall be on the basis that the agents are required to keep the data confidential and will not use the data for any other purpose other than to carry out the services they are performing for Sammaan Capital and/or its  group companies/affiliates.

We may share your Personal Data with Sammaan Capital and/or its affiliates for providing details on latest offers from our other entities subject to obtaining consent where required by law.

We respond to subpoenas, court orders, Government Authorities, law enforcement authorities for legal processes or to establish or exercise our legal rights or defend against legal claims where it becomes necessary to do so to protect the rights or property of Sammaan Capital and/or its group companies/affiliates, etc.

We believe it is necessary to share data in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Sammaan Capital terms of use, or as otherwise required by law.

We transfer data about you if Sammaan Capital is acquired by or merged with another company. In this event, Sammaan Capital will notify you before data about you is transferred and becomes subject to a different Privacy Policy.

When you use or participate in any of our Services and/or provide us your details, your data may be transferred outside India for processing consistent with this Privacy Policy. Please note that the data protection laws of countries to which your data may be transferred will be at least same level as that of India.

In case your data is first processed in the European Union (EU), it may be transferred outside EU to share with Sammaan Capital group companies, affiliates and/or trusted partners for processing consistent with this Privacy Policy. However, such transfers will be made only while appropriate protective measures exist to protect your transferred data (e.g. – contractual clauses with the respective entities with whom the data will be shared).

Our Services may link to third-party websites/applications and services that are outside our control. Further, Sammaan Capital, its group companies, its affiliates, and their directors and employees accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from your use of any application or any site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with any online application, its Contents (material, data, money market movements, news items, etc.) or associated services, or due to unavailability of any application or any part thereof or any Contents or associated services even if Sammaan Capital are advised of the possibility of such damages, losses or expenses.

To use the Site/Application you agree that you must be the minimum age (described in this paragraph below) or older. The minimum age forthese purposesshall be 18 of years old, however if applicable laws require that you must be older in order for Sammaan Capital to lawfully provide the services in the Site/Application to you then that older age shall apply as the applicable minimum age. If you are under the age of 18 or the age of minority in your jurisdiction, you must use Sammaan Capital under the supervision of your parent, legal guardian or responsible adult.

Your personal data processed by Sammaan Capital are kept in a form which permits your identification for no longer than is necessary for the purposes for which the personal data are processed in line with legal, regulatory, contractual or statutory obligations as applicable.

At the expiry of such periods, your personal data will be deleted or archived to comply with legal/contractual retention obligations or in accordance with applicable statutory limitation periods.

We also provide you with the ability to control your Personal Data in accordance with, which Digital Personal Data Protection Act, 2023 includes the right to access, correct, update, erase and review your Personal Data, and to exercise other rights available under applicable law.

You have the ability to update your profile and related Personal Data at any time. Also, you may review, update, correct, delete or withdraw consent of your Personal Data collected through the website/applications or service by e-mailing us at privacy@sammaancapital.com.

Sammaan Capital may take reasonable steps to verify the identity of the requester before processing any request relating to access, correction, deletion, or other rights concerning Personal Data and the requests shall be addressed within timelines prescribed under applicable law.

If you have privacy concerns regarding access to or the correction of your Personal Data, please contact us at the contact information mentioned here above in this policy.

In your request, please clearly specify the Personal Data in respect of which you seek access, correction, updating, or erasure, and provide sufficient information to enable Sammaan Capital to process your request in accordance with applicable law. Please note that certain Personal Data may be retained where required under applicable legal, regulatory, or contractual obligation.

While the majority of questions and issues related to access or requests can be handled quickly, complex requests may take more research and time. In such cases, issues will be addressed, or you will be contacted regarding the nature of the problem as soon as reasonably time or within such timelines as may be prescribed under applicable law.

Sammaan Capital makes sure at all times to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection and safeguarding of your personal data as the same is of vital importance to Sammaan Capital. At Sammaan Capital, we are strongly committed to protecting the personal and financial data that you submit to us.

Sammaan Capital shall ensure to safeguard the security and confidentiality of any data you share with us. Any of your personally identifiable data obtained by us shall not be used or shared other than for the purposes specified in this Policy with your consent where required or as otherwise permitted or required under applicable law.

However, despite our utmost efforts to protect your Personal Data, Sammaan Capital cannot warrant the security of any data you transmit to us through our online services/ applications. By accepting this Privacy Policy, you accept that such transmission of your Personal Data is done at your own risk.

Lastly, you are requested to help us protect your data privacy by maintaining the secrecy of the username and password you use for any of our Services.

Sammaan Capital is ISO 27001:2022 compliant. We seek to use reasonable organizational, technical and administrative measures to protect Data within our organization. However, if you have reason to believe that your interaction with us is no longer secure, please immediately notify us.

Sammaan Capital operates channels, pages and accounts on some social media sites to inform, assist and engage with customers. Sammaan Capital monitors and records comments and posts made on these channels about Sammaan Capital in order to improve its products and services.

Please note that you must not communicate to Sammaan Capital through such social media sites the following information:
a. Personal data or confidential information, including financial information, health-related information, biometric information, government-issued identification numbers, passwords, account credentials, or any other information that is not specifically requested by Sammaan Capital;
b. Excessive, inappropriate, offensive or insulting information towards individuals.

Sammaan Capital is not responsible for any information posted on those sites other than the information posted by its employees on its behalf. Sammaan Capital is only responsible for its own use of the personal data received through such sites.

Consent means a free, specific, informed, unconditional and unambiguous indication of the Data Principal's wishes, given through a clear affirmative action, signifying agreement to the processing of Personal Data for a specified purpose. Where consent is relied upon as the legal basis for processing, such consent shall:

a. Be free, specific, informed, unconditional and unambiguous;
b. Be provided through a clear affirmative action;
c. Signify agreement to the processing of Personal Data for a specified purpose; and
d. Be limited to such Personal Data as is necessary for the specified purpose.

We may seek your consent to collect, use, disclose, share, transfer, and otherwise process your Personal Data for specified purposes, including:

a. Sharing your Personal Data with third parties, service providers or business partners;
b. Transferring your Personal Data outside India, where permitted under applicable law; and
c. Placing cookies or similar technologies on your computer, mobile device, or other electronic devices.

Sammaan Capital may process the Personal Data of a Child ("Child" means an individual who has not attained the age of eighteen (18) years) or a Person with Disability (“Person with Disability" shall have the meaning assigned to it under applicable law, including the Rights of Persons with Disabilities  Act, 2016, as amended from time to time) who has a lawful guardian where necessary to provide products or services. In such cases, Sammaan Capital shall obtain verifiable consent from the parent or lawful guardian, as required under applicable law

If we possess your contact information, we may want to keep you posted about our products, services and events, through email. If you no longer wish to receive such communications, you may withdraw your consent, please send an email to unsubscribe@sammaancapital.com

We will update your preferences as soon as reasonably practical. However, do note, if you would like to withdraw from our emailing list, as described here, we may not be able to remove your Personal Data from all databases of Sammaan Capital or other third parties. For that, you would need to raise a request to erase your data as mentioned in the above section (control over your Personal Data).

You may also withdraw your consent for the processing of Personal Data where such processing is based on consent, subject to applicable legal, regulatory, and contractual requirements. Withdrawal of consent may impact Sammaan Capital’s ability to provide certain products, services, or facilities

1.1.1 Data Principle Rights

Sammaan Capital is responsible for ensuring that the rights of Data Principals are protected through adequate mechanisms like web forms, email ID, etc. which facilitate and address requests within the period specified by applicable laws. The following are some of the Data Principal rights enshrined in the law, for which Sammaan Capital is required to provide a mechanism:

a. Right to Access Personal Data: Data Principals have the right to request a summary of their Personal Data processed by Sammaan Capital, a copy of their Personal Data, along with the identities of all Sammaan Capital stakeholders and any third-party vendors or partners their Personal Data has been shared with, to the extent permitted by law. However, Sammaan Capital may take reasonable steps to verify the identity of the requester before providing access to such Personal Data.

b. Right to Correction and Erasure: Data Principals have the right to request correction of errors or updates to their Personal Data, and have the right to request erasure of Personal Data in possession of Sammaan Capital should be in subject to applicable legal, regulatory, contractual, and statutory retention requirements.

c. Right to Withdraw Consent: Data Principals have the right to withdraw consent previously provided for the processing of their Personal Data. Such withdrawal may be exercised through the mechanisms provided by Sammaan Capital, subject to applicable legal, regulatory, and contractual requirements.

d. Right of Grievance Redressal: Data Principals have the right to readily available means of grievance redressal provided by Sammaan Capital with regard to its obligations in relation to Personal Data of the Data Principal. Sammaan Capital is required to address these grievances in a timely manner as prescribed in Applicable Law.

e. Right to Nominate: Data principals also have the right to nominate an individual who can exercise their rights in case of death or incapacity of the data principal, in accordance with the Digital Personal Data Protection Act, 2023 and any rules made thereunder.

In case of a personal data breach, Sammaan Capital shall take actions required under applicable
law. Data Principals can request the exercise of any of their data principal rights by submitting their request through privacy@sammaanfinserve.com or by contacting the Data Protection Officer (DPO)
at:
                      

                                             Email: privacy@sammaancapital.com
                      Mail address: Sammaan Capital Limited, A-34, 2nd & 3rd Floor,
                                             Lajpat Nagar- II, New Delhi- 110024

1. Payment Card Information and Any Voluntary Disclosure:

Sammaan Capital does not collect, process, store, or retain your credit card, debit card, CVV, PIN, or other payment card credentials unless expressly required for a specific transaction and processed through authorized payment service providers in accordance with applicable laws and industry standards.

You are requested not to share any Personal Data that has not been specifically requested by Sammaan Capital. If you submit additional Personal Data, Sammaan Capital may process such information only to the extent necessary for the purpose for which it was provided and in accordance with applicable law.

While Sammaan Capital implements reasonable security safeguards to protect Personal Data in its possession or control, Sammaan Capital shall not be responsible for disclosures made by you through unsecured channels or for information voluntarily shared by you beyond that requested for providing products or services.

2. No Contractual Obligation:

Please note that this Privacy Policy is for informational purposes only and does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.

3. Intellectual Property Rights:

Please note that Sammaan Capital retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site/applications (including all texts, graphics and logos).

4. Changes to this Privacy Policy:

Sammaan Capital reserves the right to change or update this Privacy Policy or any other of our policies/practices at any time without giving any prior notification; hence, you are requested to review the Privacy Policy periodically, to make sure that you are aware of any such changes. This Privacy Policy shall apply uniformly to Sammaan Capital website and Sammaan Capital applications or any other media used by Sammaan Capital for its Services. Any changes or updates will be effective immediately upon posting the same on our web site at www.sammaancapital.com.

Please note that this Privacy Policy is for informational purposes only and does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.

Please note that Sammaan Capital retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site/applications (including all texts, graphics and logos).

Sammaan Capital reserves the right to change or update this Privacy Policy or any other of our policies/practices at any time without giving any prior notification; hence, you are requested to review the Privacy Policy periodically, to make sure that you are aware of any such changes. This Privacy Policy shall apply uniformly to Sammaan Capital website and Sammaan Capital applications or any other media used by Sammaan Capital for its Services. Any changes or updates will be effective immediately upon posting the same on our web site at www.sammaancapital.com.

1.1.2 Grievance Redressal

If you have any questions, comments or concerns about this Privacy Policy or about how we handle your Personal Data, please get in touch with us at privacy@sammaancapital.com

Sammaan Capital reserves the right to modify or review the provisions in this Policy without prior notice and the revised Policy will be in effect from the day of uploading. Therefore, Users are requested to periodically visit the mobiles app/Site and review the Policy