Terms & Conditions

This policy applies to AM Ventures Private Limited in India.

Cancellation Policy:

User can cancel the service at any-time using Hajeri service toggle off button

Refund Policy:

Hajeri provides both free and paid services You will be required to make payment of subscription fees for the use of the advanced features available on the Site. Under no circumstances shall the fees paid by You for the use of the paid features be refunded.

Clear and easily accessible Statements of Practices and Policies

As a part of AM Ventures Private Limited ongoing efforts to ensure the compliance of modern business approach, customer trust/ satisfaction, security oriented service and document verification services, AM Ventures Private Limited has adopted the privacy policy aimed at protecting individual’s personal information entrusted and disclosed to AM Ventures Private Limited (the "Policy"). This Policy governs the way in which AM Ventures Private Limited collects, uses, discloses, stores, secures and disposes of personal information. The Policy is in compliance with the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules 2011 (the “IT Rules”) contained in the Information Technology Act 2000. In this policy, “we”, “us”, “our” or “Company” means AM Ventures Private Limited, and “you”, “your” or “yours” means the persons to whom this policy applies.

What Personal Information do we Collect

“Personal Information” is data that can be used to identify a natural person. Some examples of personal information that we may collect are:

  • Personal particulars (e.g. name, contact details, residential address, date of birth, identity card/passport details, and/or education details);
  • Details about Bank and Branch where person is working;
  • Images and voice recordings of our conversations with you;
  • Employment details (e.g. occupation, directorships and other positions held, employment history, salary, and/or benefits);
  • Tax and insurance information;
  • Banking information (e.g. account numbers and banking transactions/ NOT any PIN, PASSWORD); and/or Personal opinions made known to us (e.g. feedback or responses to surveys);
  • Information obtained with consent from your mobile device like device location, device information (including storage, model, mobile network) transactional and promotional SMS, communication information including contacts and call logs.
  • Details about Business, references, etc.

    • Usage of Personal Information

    COMPANY collects and uses the information and other personal information from its customers. This information is used for specific business purposes or for other related purposes designated by COMPANY or for a lawful purpose to comply with the applicable laws and regulations, and will include:

  • developing and providing Address and Credit Verification Services, products or services (whether made available by us or through us), including but not limited to:
  • carrying out research, planning and statistical analysis based on documents provided by Client; or
  • analytics for the purposes of developing or improving our products, services, security, service quality, and advertising strategies;
  • assessing and processing applications, instructions or requests from you or our customers;
  • communicating with you, including providing you with updates on changes to products and services (whether made available by us or through us) including any additions, expansions, suspensions and replacements of or to such products, services and facilities and their terms and conditions;
  • managing our infrastructure and business operations and complying with internal policies and procedures;
  • responding to queries or feedback;
  • addressing or investigating any complaints, claims or disputes;
  • verifying your identity for the purposes of providing our facilities, products or services;
  • conducting credit checks, screenings or due diligence checks as may be required under applicable law, regulation or directive;
  • complying with all applicable laws, regulations, rules, directives, orders, instructions and requests from any local or foreign authorities, including regulatory, governmental, tax and law enforcement authorities or other authorities;
  • monitoring products and services provided by or made available through us;
  • complying with obligations and requirements imposed on us from time to time by any credit bureau or credit information company;
  • creating and maintaining credit and risk related models;
  • financial reporting, regulatory reporting, management reporting, risk management (including monitoring credit exposures), audit and record keeping purposes;
  • enabling any actual or proposed assignee or transferee, participant or sub-participant of COMPANY’ rights or obligations to evaluate any proposed transaction;
  • enforcing obligations owed to us; and/or
  • seeking professional advice, including legal advice.

    • We may also use personal information for purposes set out in the terms and conditions that govern our relationship with you or our customer.

    COMPANY shall not divulge any personal information collected from the customer, for cross selling or any other purposes.

  • The authenticity of the personal information provided by the customer shall not be the responsibility of COMPANY.
  • Any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as personal information for the purposes of this Policy and COMPANY shall not be responsible for the same.

    • Disclosure of Personal Information

    The personal information collected by COMPANY shall not be disclosed to any other organization except:

  • where the disclosure has been agreed in a written contract or otherwise between COMPANY and the customer;
  • where COMPANY is required to disclose the personal information to a third party on a need-to-know basis, provided that in such case COMPANY shall inform such third party of the confidential nature of the personal information and shall keep the same standards of information/ data security as that of COMPANY.
  • where request for disclosure is requested by local authority under applicable law or regulations.

    • Withdrawal of Consent to use or correction of your Personal Information

    Sharing of personal information with COMPANY is voluntary and in case customer wishes to withdraw its consent or make modifications to the personal information, customer can do so by writing to our Grievance Officer. Note that such withdrawal of consent may restrict the ability of COMPANY to perform their agreed responsibilities and customer accepts the effects of such withdrawal. COMPANY’ duty to restrict use of your personal information begins after COMPANY acknowledges in writing the receipt of your communication withdrawing your consent to use.

    Cookies and Related Technologies

    Our websites and mobile applications (“apps” or an “app”) use cookies. A cookie is a small text file placed on your computer or mobile device when you visit a website or use an app. Cookies collect information about users and their visit to the website or use of the app, such as their Internet protocol (IP) address, how they arrived at the website (for example, through a search engine or a link from another website) and how they navigate within the website or app. We use cookies and other technologies to facilitate your internet sessions and use of our apps, offer you products and/or services according to your preferred settings, track use of our websites and apps and to compile statistics about activities carried out on our websites and/or through our apps.

    A pixel tag, also known as a web beacon, is an invisible tag placed on certain pages of our website but not on your computer. Pixel tags are usually used in conjunction with cookies and are used to monitor the behaviour of users visiting the website.

    You may set up your web browser to block cookies which will in turn disable the pixel tags from monitoring your website visit. You may also remove cookies stored from your computer or mobile device. However, if you do block cookies and pixel tags, you may not be able to use certain features and functions of our websites.

    We seek certain app permissions at the time of installation on your mobile device, providing us access to data on your mobile device to make your experience personalized and enabling us to offer you relevant products and services. Should you wish to modify or disable these permissions, you can change the app settings on your mobile device at any time. Do note that some of the functionality and offers on the app may get impacted by this action.

    Other Websites

    Our websites may contain links to other websites which are not maintained by COMPANY. This privacy policy only applies to the websites of COMPANY. When visiting these third party websites, you should read their privacy policies which will apply to your use of the websites.

    Reasonable Security Practices and Procedures

    COMPANY shall take reasonable steps and measures to protect the security of the customer’s personal information from misuse and loss, unauthorised access, modification or disclosure. COMPANY maintains its security systems to ensure that the personal information of the customer is appropriately protected. COMPANY ensures that its employees respect the confidentiality of any personal information held by COMPANY.

    Amendments

    COMPANY reserves the right to change or update this Policy or practice, at any time with reasonable notice to customers on COMPANY web site so that customers are always aware how COMPANY deals with the information received or collected whilst providing services to you, for what purpose COMPANY uses it, and under what circumstances, if any, COMPANY may disclose it.

    Response to Enquiries and Complaints

    To contact us on any aspect of this policy or for any discrepancies/grievances with respect to your personal information including modification, you may write to our Grievance Officer Mr. Pravin Joshi at admn.amventures@gmail.com