Vidhya Private limited (hereinafter referred to as “the Company”), through its
Website and Mobile Application called “Mitra” runs an employee financial
wellness platform that allows the employee users to track their salary and
enables them to withdraw on credit, the earned amount of salary at any point of
time at an agreed transaction fees which credit is extended by Non-Banking
Financial Companies with whom the Mitra has arrangements.
shares and transfers Information of User Employees including You.
using or accessing the Mitra platform or opening an Account on the Mitra
Platform, you agree to accept the present Policy and you hereby consent to Mitra
collecting, processing, using, disclosing, sharing and transferring your
Information and personal data including but not limited to sensitive Personal
Information. This Policy is an electronic record in the form of an electronic
contract formed under the Information Technology Act, 2000 and the rules made
case You do not want to share Information as contained herein below for use by Mitra
as stated, you are free to opt out or not use the Mitra platform by deleting
the Account and in such a case, are not required to give consent as per the
case in future You intend that Your Information as collected should not be used
or should be deleted, you can withdraw your consent as provided in the present
Policy, by writing to Mitra platform revoking the said consent or deleting the
Account, as the case may be.
reserves with itself rights to modify, change or update this Policy at any
time. Continued accessing of the Mitra platform or use of the Products and
Services shall be deemed to be your acceptance of this Policy or amendments
Collection, processing, disclosure and sharing of Information
Mitra collects, uses, discloses, shares and transfers
Information, other content, communications, information etc. provided by User
Employees, when the Users use the Mitra platform or the Products and Services.
For the purpose of these Terms, the term “Personal Information”
shall mean any information you or the Employer provides to Mitra and shall
include, without limitation your name, gender, date of birth, age, phone
number, photograph, your financial information such as bank account or credit
card or debit card or other payment details, your email ID and password, your
employee identification number with the Employer, official email id, your
employment history with the Employer, attendance details KYC details (PAN,
Aadhar Card, Address Proof, Salary Slip, account details and bank statements,
income tax returns etc.).
the purpose of this Policy, the term “Non-Personal Information” shall mean
information that does not specifically identify an individual but includes
information from you such as the type of internet browser You use, mobile
device or computer you use, your mobile device’s unique device ID, your, your
Internet Service Provider (ISP) and your Internet Protocol (IP) address.
and Non-Personal Information together is referred to as “Information”. Mitra
may collect Information from you when you open an Account or fill the
Application Form, when you use the features or the Products and Services, when
you participate in surveys conducted, when you interact with the customer care
team, when you carry out transactions on the Mitra platform etc.
specifically undertake and warrant the accuracy and truthfulness of the
Information you share and agree that you shall be solely responsible for the
platform including, without limitation, for simplifying your experience when
you return to Mitra platform, like remembering your login ID and certain
Personal Information, deliver relevant content based on your preferences, usage
patterns and location, tracking etc..
Mitra may collect details about your use of the Mitra platform
and/or Products and Service, such as the features used, any activity carried
out and the frequency/duration/time thereof, the actions taken etc.
may be required to collect and combine details from and about the mobile
phones, computers, tablets, other devices etc. you may use to access the Mitra
platform. Details that may be obtained from these devices could include:
Operating system, hardware and software versions, storage space
signal quality, battery level, browser type, plugins, name of mobile operator
or ISP, language, time zone, IP address, connection speed etc.
Network, camera or photos, beacons and mobile phone masts, data
from cookies stored on devices etc.
Location-related details including your current location through
precise device location, IP addresses, GPS location etc.to provide improved
may use your Information for:
Manage Your Account.
access to the Mitra platform and/or use of the Products and Services.
SMS for authenticating operations via One Time Password (OTP) etc.
survey or analysis of your Account etc..
test and improve the Mitra platform, testing and troubleshooting,
rectifying glitches, improving navigation and the facilitation of Products
Information – how it may be shared
may disclose or share your Information which includes your Personal Information
to enable providing of Products and Services:
Sharing with NBFC’s or credit information companies Information
shared by You may be disclosed and shared with NBFC and/or credit information
companies, as the case may be, in order to enable you to avail the Salary
as required by law or to authorities. Your Information
may be shared with authorities such as government/statutory authorities or
under court orders; to establish or exercise legal rights; to defend
against legal claims; or as otherwise required by law.
to third parties including payment gateways Mitra may be
required to provide, disclose or share Information, that is collected from
You to third-party service providers to provide and ensure availability of
Products and Services, payment gateways etc.
of Information with prospective suitors or acquirers Information
may be required to be disclosed acquirer, assignee or other successor
entity in connection with a sale, merger, or reorganization of all or
substantially all of the equity or business of Mitra.
Protection of Information
explicitly agree, represent and warrant that you:
Mitra, on best effort basis shall attempt to take adequate
measures to protect the security of your Information including Personal
Information and to ensure that your choices for its intended use are honoured. Mitra
takes adequate precautions, on best effort basis, to secure and protect your
data from loss, misuse, unauthorized access or disclosure, alteration or
destruction, by using industry standards of physical, technical and
administrative security measures although you agree that the same cannot be
foolproof since no security system is impassable and accordingly Mitra cannot
and does not commit or guarantee that the Information may be absolutely free
from invasion or breach.
shall not be liable or responsible for any breach of security or
disclosure of your Information by or for any actions or inactions of the
NBFC or any other third party that receives your Information.
- You are
solely responsible for maintaining the confidentiality of your username
and password and Mitra would, in no circumstances be liable or responsible
for any breach in this regard by You.
Information, upon deletion of your Account, is also generally deleted
unless you have not repaid the Salary Advance Facility or the interest accrued
thereon or the Transaction Fees; the same is required for to comply with
any legal requirements, fraud prevention or assistance in any enquiry, for
resolving disputes, to protect Mitra’s interests, to continue to develop
and improve Products and Services
Mechanism for Grievance Redressal
accordance with the Information Technology Act, 2000 and Rules made thereunder,
the contact details for raising grievances, if any are provided below:
Sumit Samarth Arcade, Goregoan West, Mumbai, MH-400065
Number: +91 9653672539