We at Spoctree.com always respect your privacy. This privacy policy gives you details about our data collection methods and usage. You are advised to please read the privacy policy carefully.

Spoctree.com doesn't provide Loans/Insurance/Credit cards/Other financial products or services on its own but ensures your information is sent to partners which you have opted for. Spoctree.com has no sales team on its own and we just help you to compare loans/cards/other products and services and get information on insurance product. All Loans/Policy Issuance/Card Issuance/Account Openings/Others are on discretion of the partnering Banks/NBFC/Insurance providers and Advertisers.

Information Sharing and Disclosure

We will not sell or rent your personally identifiable information to anyone other than as specifically noted herein. Notwithstanding the foregoing, Spoctree.com may sell and/or transfer your personally identifiable information to an affiliate and to any successor-in-interest as a result of a sale of any part of Spoctree.com’s business or upon the merger, reorganization or consolidation of Spoctree.com with another entity on a basis that Spoctree.com is not the surviving entity. For the purposes of this paragraph, "affiliate" means any person directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with Spoctree.com. The term "control," as used in the immediately preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person. As used in this privacy policy, the term "person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association or any other entity.

We will not use or rent your financial information for any purpose other than to complete a transaction with you. By giving us the information you are giving us permission:

• To provide products or services you've requested
• To help investigate violations of Spoctree.com’s terms of use or to defend against legal claims;
• To disclose the information under special circumstances such as compliance with applicable local law, court summons, court orders, requests/order from legal authorities or law enforcement agencies requiring such disclosure.

We will send information about you to other companies or people when:

• We need to share your information to provide the product or service you have requested to enable them to contact you; or
• We have your consent from you to share the information;

We need to share your information with certain service partners in order to respond to your queries / comments or to resolve service issues and to serve you better. Customer’s obligations who register with Spoctree.com warrant that you have taken all reasonable precautions to ensure that any data you submit to the website is true and accurate. You warrant that all information provided on registration on the website and otherwise provided by you on this site shall be true, complete and accurate. Spoctree.com provides general information and not be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. We strongly advise that independent professional advice be obtained before you purchase any product and/or service via Spoctree.com. While you can terminate your account at any time, your information may remain stored in archive on our servers even after the deletion or the termination of your account. By accessing the services provided and/or registering yourself at Spoctree.com you agree to the collection and use of your data by Spoctree.com and allow us and our associated partners to contact you via email or phone call or sms and offer you their services for the product you have opted for, imparting product knowledge, offer promotional offers running on website & offers offered by the associated third parties.

You while applying for product/services on our website authorize us, our affiliates & our associate partners to give you a call/sms/e-mail for the related product and services, imparting product knowledge, offer promotional offers & offers offered by the associated third parties even if you have registered yourself under DND or DNC or NCPR services till 180 days of your registration with us. We can continue to share promotional communication even post the mentioned duration unless voluntarily opted-out. At time of registration, we request for registering and validating your mobile phone and email id, through OTP/ Miss call / SMS/confirmation-call by us and replying on email respectively from our end to receive text messages, notifications, and other services to your wireless device as an alert or email. By registration you authorize us to send sms/email alerts to you for your login details and any other service requirements or some advertising messages/emails from us. By accepting our "Terms and Conditions" you authorize our partners to run a Cibil/Satyam check for your profile. Spoctree.com will automatically receive and collect certain anonymous information in standard usage logs through our Web server, including computer-identification information obtained from "cookies," sent to your browser from a web server cookie stored on your hard drive and other technologies such as pixel tags and clear gifs to store certain types of information each time you visit any page on our website. It allows us to capture an IP address assigned to the computer, the domain server through which our service accessed, the type of computer used, the type of web browser used. Data which we collect includes first and last name, email address, mobile phone number and contact details, ZIP/Postal code, demographic profile (like your age, gender, occupation, address), preferences (such as housing loan, personal loan, credit card, car loan); financial information (like salary) and other product related information. Please remember that any provider of financial services is entitled to register with Spoctree.com. Spoctree.com does not examine whether the advertisers are good, reputable or quality sellers of goods / service providers. You must satisfy yourself about all relevant aspects prior to availing of the terms of service. Spoctree.com has also not negotiated or discussed any terms of engagement with any of the advertisers. The same should be done by you. Purchasing of goods or availing of services from advertisers shall be at your own risk.

This privacy policy covers Spoctree.com's treatment of personally identifiable information that Spoctree.com collects when you are on the Spoctree.com site, and when you use Spoctree.com's services. This policy also covers Spoctree.com's treatment of any personally identifiable information that Spoctree.com's business partners share with Spoctree.com. This policy does not apply to the practices of companies that Spoctree.com does not own or control, or to people that Spoctree.com does not employ or manage. We do not investigate, represent or endorse the accuracy, legality, legitimacy of the service providers who advertise with us. References that we make to any names, marks, products or services of third parties or hypertext links to third party sites or information do not constitute or imply our endorsement, sponsorship or recommendation of the third party, of the quality of any product or service, advice, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the Media.

Advertisement on Spoctree.com

We use third-party advertising companies to serve ads when you visit our website. These companies may use information about your usage preferences (but not your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site. They may collect anonymous information about your visits to our website, and your interaction with our products and services. They may also use information about your visits to this and other websites to target 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. They do not know the name, phone number, address, email address, or any personally identifying information about the user. The Site contains links to other Web sites. We are not responsible for the privacy practices of such Web sites which we do not own, manage or control. There might be affiliates or other sites linked to our web site. Personal information that you provide to those sites are not our property. The affiliated sites may have different privacy practices and we encourage you to read their privacy policies. These sites may place their cookies or other files on your computer, collect data or solicit personal information. Exclusion of liability for third party providers products and services and Third party advertisements.

You can apply for and buy a number of products and services via our Spoctree.com . It is specifically clarified that we do not provide any of the products and services that appear on the website. All these products and services are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties. We are not responsible for any products or services or information provided by third party providers. You should exercise due caution to ensure your interests. Do not handover any cash or documents. Get all promises on terms and conditions in writing on a letterhead. Get the visiting card of the person visiting you and check out that the landlines numbers mentioned on the card are correct. Most advertisers are unable to return documents in case your proposal is not accepted. If this is an issue with you, please get a promise to return your documents in writing in the event of your proposal is not accepted for any reason. Any transactions relating to sale/purchase of goods or services not directly offered by us are to be settled inter-se between the parties to such transaction and all warranties express or implied of any kind, regarding any matter pertaining thereto, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement are disclaimed by us.

We try to provide a platform where you and other party may interact, exchange information or carry out any transactions on such terms and in the manner mutually agreed between you and the other party. We do not have any involvement in the actual transactions between the buyers and sellers of any product and service. It is only you, who is entirely responsible for all the activities, arising out of the transactions of goods or services offered by any other party and not us. We will not be liable for any loss that you may incur, while selling or purchasing goods /services of the third party. We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Web site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you.

Exclusions of liability

We at Spoctree.com which is run by Ausha Digital Pvt. Ltd. try to ensure that the data, material and information on the website are accurate. We will also endeavor to correct any errors or omissions as soon as practicable after being notified of them. However, we are not responsible in any way if the data, material and information on the website are found to be inaccurate or if there are any errors or omissions in the data, material and information. We at Ausha Digital Pvt. Ltd. do not monitor, verify or endorse data, material and information submitted or provided by third parties, which is included on the website, and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the website. We are not responsible for any data, material or information included on the website, which has been provided by third parties. We are not responsible for any losses or damages arising from an inability to access the website, from any use of the website or from reliance on the data transmitted using the website where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet. We are not responsible or liable for any indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you which were not foreseeable by us when you accessed or used the website.

Changes to this Privacy Policy

We may amend this policy from time to time. If we make any substantial changes in the way we use your information we will notify you by posting a prominent announcement on our web pages. Spoctree.com may amend this policy from time to time, at our discretion. If we make any substantial changes in the way we use your personal information we will notify you by posting the changes here on these privacy policy pages. To correct inaccuracies in the information you can send an e-mail to support@spoctree.com