1. Policy

This Privacy Policy outlines the basis on which the personal data / information is collected from you when you use the website, how we collect the personal information, how we use and process the personal data and protect such personal data that we collect from you. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. For the purpose of applicable General Data Protection Regulation, we are the data controller and for the purpose of the Digital Personal Data Protection Act, 2023 and applicable laws in India we are the data fiduciary of your personal data.

1.1. Information We Collect

Information we Collect: We require you to register and provide information that personally identifies you, including your content preferences, name, email address, phone number, gender, unique identification number(s) provided by government authorities, location data, online identifier(s), or one or more factor(s) that are specific to your community, economic, cultural, or social identity, as a natural person (“Personal Data” or “Personal Information”). The Personal Data may also be required while using our website/application. If you contact us, we may also keep a record of that correspondence. We may also ask you to complete surveys that We use for research purposes, although you do not have to respond to them. If you choose to respond, we use the Personal Data for the purpose of the survey as well. Details of your visits to the website / application including, but not limited to, traffic data, location data, weblogs and other communication data, and the resources that you access, may also be recorded by us. We may even use public sources to obtain the contact details of individuals who we reasonably believe may have an interest in our products and services.

Our services are not intended for individuals under the age of 13, and we do not knowingly collect personal information from anyone under this age. By accessing this website, you confirm that you are at least 13 years old. If you are under 13, please use the website only under the supervision of a responsible adult.

Logs: Like many site / application operators, we collect information that your browser sends whenever you visit our Site (referred to as “Log Data”). This Log Data may include information such as your computer's Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages, and other statistics. We may collect this information through various means, including online forms, cookies, and other tracking technologies.

We require such information for the following purposes.

• To contact you with newsletters, alerts, marketing, or promotional materials and other information / changes that pertains to the services we offer with your consent;

• To improve our products, services, and website;

• To allow you to contribute your stories of struggle, success and innovation, i.e., for the purpose this website is intended;

• To produce demographic feedback for our content providers who contribute content on this website;

• To personalize the website / application to show content relevant to your interests;

• To enable features such as password generating features, reminders, article alerts, and linking from this website (and affiliate websites) to any your website(s).

We routinely disclose your personal data to third parties as follows:

• To our contributors, as described above.

• To our third-party service providers, agents, subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf (e.g. to host our servers).

1.2. Privacy

We may disclose your Personal Data to any member of our corporate group, which means our subsidiaries, our ultimate holding company and its subsidiaries (where applicable). We may also disclose your Personal Data to third parties:

• in the event that we sell or buy any business or assets, in which case we may disclose your Personal Data to the prospective seller or buyer of such business or assets; or

• if we or substantially all of our assets are acquired by a third party, in which case Personal Data held by us about our customers will be one of the transferred assets; or

• if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms & Conditions or the Terms & Conditions that we have in place with our content providers; or

• to protect our rights, property, or safety or that of our affiliated entities and our users and any third party we interact with the to provide the website/application. We do not sell your Personal Data to third parties.

We may, however, share your Personal Data with other associated service providers (if any) who assist us in providing our products and services herein, and with law enforcement or other authorities as required by law or to protect our legal rights. We may even share the Personal Data to improve our products, services, and website / applications.nt of an inconsistency between these Terms and any additional posted conditions, the provisions of the additional conditions shall control.
Other than as set out above, and save insofar as is necessary in order for us to carry out our obligations arising from any contracts entered into between you and us, we will not share your information or Personal Data with third parties unless we have procured your express consent to do so.
By use of this website/ application, you give free, specific, informed, unconditional and unambiguous consent to the processing of your Personal Data for the purpose of this website / application as stated above.

Please note that if the Personal Data is transferred to our contributors / Service Providers, they become a data controller of the Personal Data. They use it to measure the response that their articles are receiving, as a form of market research. They may also use it to provide NeoByt with information about their products and services.

With respect to any individual whose personal information is provided by you to us, you represent that you have obtained all necessary consents for the processing of such personal information contemplated by the services provided by us. Full details of our use of your personal data can be found in our Privacy Policies and Cookies Notice, if any.

By use of this application/website, you give free, specific, informed, unconditional and unambiguous consent to the processing of your Personal Data for the purpose of this application / website as stated above and for its use as stated herein. In case of any queries or objections in respect of use of the Personal Data, please write to us at hello@neobyt.com

1.3. Data Security

We take appropriate measures to ensure that any Personal Data are kept secure, including security measures to prevent Personal Data from being accidentally lost, or used or accessed in an unauthorised way. We limit access to your Personal Data to those who have a genuine business need to know it. Those processing your information will do so only in an authorised manner and are subject to a duty of confidentiality.

We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your Personal Data, we cannot guarantee the security of your data transmitted to the website/application; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

The website/application may, from time to time, contain links to and from the websites / applications of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and terms of use and that we do not accept any responsibility or liability for these policies and terms of use. Please check these policies before you submit any personal data to these websites.

• Keeping your personal data up to date - We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, or as required by law. If your personal details change you may update them by accessing the relevant page of the website/application, or by contacting us at hello@neobyt.com. If you have any questions about how we use data collected which relates to you, please contact Us by emailing hello@neobyt.com

• How long we keep your personal data - For Website Users, we hold your Personal Data for a minimum of 3 (three) years unless you ask us to delete it.

• storing your Content in a remote database accessible by end users, for a charge. This license shall apply to the distribution and the storage of your Content in any form, medium, or technology now known or later developed.

1.4.Data Retention

We will endeavour to update your Personal Data within seven (7) working days of any new or updated Personal Data being provided to us, in order to ensure that the Personal Data we hold about you is as accurate and up to date as possible.

We may store the Personal Data on servers, internally in the memory of the computer, in electronic form, prints, physical copies, send / receive the same through email / text, or store in media, magnetic, optical, computer memory, micro film, computer generated micro fiche or similar device, or as electronic record, with intermediary (as defined under the Information Technology Act, 2000) including with telecom service providers, network service providers, internet service providers, web-hosting service providers, as the case may be.

2. Your Rights

You have a number of rights regarding your Personal Data under applicable laws. In summary, those include rights to: To exercise these rights, please contact us on hello@neobyt.com

• access to your Personal Data and to certain other supplementary information that this Notice is already designed to address

• require us to correct any mistakes in your Personal Data / Information which we hold

• require the erasure of Personal Data concerning you in certain situations

• receive the Personal Data concerning you which you have provided to us, in a structured, commonly used and machine-readable format and have the right to transmit those data to a third party in certain situations

• object at any time to processing of Personal Data concerning you for direct marketing

• object to decisions being taken by automated means which produce legal effects concerning you or similarly significantly affect you

• object in certain other situations to our continued processing of your Personal Data

• otherwise restrict our processing of your Personal Data in certain circumstances

• claim compensation for damages caused by our breach of any data protection laws

3. Contact

We hope that we can resolve any query or concern you raise about our use of your information. If you have any questions or concerns about our Privacy Policy or our data practices, please contact us at hello@neobyt.com. We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting a notice on our website or by other means.

4. Changes to our Privacy Policy

We reserve the right to modify this Notice at any time. Any changes We may make to our Notice in the future will be notified and made available to you using the Website. Your continued use of the services and the Website shall be deemed your acceptance of the varied Privacy Notice.

5. Disclaimer

We disclaim any responsibility for the deletion, the failure to store, the mis delivery, or the untimely delivery of any information or material. We disclaim any responsibility for any harm resulting from downloading or accessing any information or material, services and quality of servers, games, products, services or sites, cancellation of competition and prizes. We disclaim any responsibility for, and if you pay for or subscribe to one of our charge or fee-based services you will not be entitled to a refund as a result of, any service outages that are caused by our maintenance on the servers or the technology that underlies our sites, failures of our service providers (including telecommunications, hosting, and power providers), computer viruses, natural disasters or other destruction or damage of our facilities, acts of nature, war, civil disturbance, or any other cause beyond our reasonable control.

We do not warrant that our sites / applications will be uninterrupted or error free. In addition, we do not make any warranty as to the content on our sites/applications. Our sites and their content are distributed on an “as is, as available” basis. Any material that you access, download or otherwise obtain through our sites is done at your own discretion, competence, acceptance and risk, and you will be solely responsible for any potential damages to your computer system or loss of data that results from your download of any such material. Neither we nor any of our partners or licensors or associates makes any warranty that

(i) our sites/ applications will meet your requirements,

(ii) our sites / applications will be uninterrupted, timely, secure, or error free,

(iii) the results that may be obtained from the use of our sites / applications will be accurate or reliable,

(iv) the quality of any products, services, information, or other material that you purchase or obtain through our sites / application will meet your expectations, and

(v) any errors will be corrected. Neither we nor any of our or licensors or associates makes any warranties of any kind, either express or implied, including, without limitation, warranties of title or implied warranties of merchantability or fitness for a particular purpose, with respect to our sites / applications, any content, or any of our services, tools, products, or properties.

We do not warrant that our sites / applications will be uninterrupted or error free. In addition, we do not make any warranty as to the content on our sites/applications. Our sites and their content are distributed on an “as is, as available” basis. Any material that you access, download or otherwise obtain through our sites is done at your own discretion, competence, acceptance and risk, and you will be solely responsible for any potential damages to your computer system or loss of data that results from your download of any such material.Neither we nor any of our partners or licensors or associates makes any warranty that

5.1.Loan Lead Disclaimer

Loan Lead Submission: We facilitate the submission of loan leads to popular lending partners for various loan types, including tractor loans, home loans, and MSME loans.
Disclaimer: Neobyt operates solely as a facilitator for loans provided by registered Non-Banking Financial Companies (NBFCs) and banks. We are not a direct lender and do not provide loans ourselves. We are a digital platform that connects users with NBFCs and banks for loan facilitation. All loans are offered directly by NBFCs or banks registered with the relevant regulatory authorities.

Note: Neobyt does not engage in or provide personal loans.
Partner Information: Loans are provided through our licensed NBFC partner, Tyger Capital. For more details, visit Tyger Capital's website.
For Queries you write to us at msg@neobyt.com or contact us through the online form.

6. Miscellaneous

We may be required under any legislation, to notify you of certain events. You hereby acknowledge and consent that such notices will be effective upon our posting them on our sites / applications or delivering them to you through e-mail, subject to further changes/modifications. You may update your e-mail address by visiting the Services where you have provided contact information. If you do not provide us with accurate information, we cannot be held liable if we fail to notify you. You have the right to request that we provide such notices to you in paper format and may do so by contacting: “msg@neobyt.com”.

Our failure to exercise or enforce any right or provision of the Terms & Conditions or these Privacy Policy shall not constitute a waiver of such right or provision. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of our sites or these Terms & Conditions must be filed within one (1) month after such claim or cause of action arose or be forever barred. Parties agree to resolve all their disputes by amicable settlement, failing which in accordance with Arbitration and Conciliation Act, 1996 by a sole arbitrator appointed mutually by both parties. These Terms, including all terms, conditions, and policies that are incorporated into these terms by reference, constitute the entire agreement between you and NeoByt. and govern your use of our sites, superseding any prior agreements that you may have with us.

These Terms & Conditions shall be construed in accordance with the laws of India, and the parties irrevocably consent to bring any action to enforce these Terms before an arbitration panel with New Delhi, India as the governing law and the seat. If any part of the Terms & Conditions and the Privacy Policy is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms & Conditions and / or Privacy Policy shall continue in effect.