We are sensitive to the scenario that We would be dealing with data and information of a personal nature. By using Our Website (yoflic.net) and related mobile applications, You tend to provide Personal Information of You and Your. You consent to the terms of Our online Privacy Policy and to Our processing of such Personal Information for the purposes explained in this policy by registering on the Website or by subscribing to Our services. You also agree to Our contacting You pursuant to the business relationship established using the information You provide to Us. We request You to read this Policy in accordance with Terms of Use and to use these to make informed decisions. This Privacy Policy sets out how yoflic.net uses and protects any information that You provide when You use Our Website for any transaction. We are committed to ensuring that information shared by You is protected and We assure You that it shall solely be used in accordance with this Privacy Policy.

1. INTRODUCTION
Whenever you visit a website and/or browse through any web sites, you may be providing certain personal/confidential information about yourself to the site's owner.
We at yoflic.net respect your privacy and value your trust and therefore, hereby assure you that all efforts shall be taken to protect your privacy and the personal information shared with us.

2. User ID, Password and Registration
User ID and Password has a unique way to provide security to the data submitted as it restricts the use of your account to yourself.
Your E-mail ID shall be your login ID to identify your account and also for all your transactions and account related activity on this website.
Each user should have a unique login ID which shall be utilized to access the account.
We encourage you to choose a strong password to protect your account.
It is advised that you do not share your password with anyone or write it down.
Make sure that you sign out from the computer.
yoflic.net never, under any circumstances, asks for your account password except for logging in to the account.
As a user of this site, you agree that the information provided by you to yoflic.net on registration and at all other times, including payment, will be true, accurate, current, and complete.
You also agree and accept to ensure that this information is kept accurate and up-to-date at all times.
If you have a reason to believe that your account is no longer secure (e.g., in the event of a loss, theft or unauthorized disclosure or use of your account id, pin, password, or any credit, debit or prepaid cash card number or net banking login/ password, if applicable), then you agree to immediately notify yoflic.net and indemnify yoflic.net from any of the liabilities that may arise from the misuse of your account.

3. INFORMATION THAT WE COLLECT AND THAT YOU PROVIDE

4. PERSONAL INFORMATION
Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as: Your full name, address, e-mail address, mobile number, date of birth and bank or payment card details and any proof of Your identity and/or address that we may request
Details of any transactions that You carry out through our Website or application using Your yoflic.net account and of the fulfilment of Your requests Details of any credit, debit or other card used by You for transactions Details of any bank account (including but not limited to, account holder, account name, account number, sort code, online banking PIN, Transaction Authentication Number "TAN" and password, available balance and transaction history of Your bank account), ITR, TAX certificates or any other income documents as necessary by Us
Any correspondence sent by You to Us

Survey that You complete through the Website or based on our request

Your participation in any promotion sponsored by Us
Calls that we make to You or You make to Us
Information collected through Cookies
Your IP address, log-in times, operating system and browser type
Details of Your visits to our Website/ mobile application including, but not limited to, Traffic Data, location data, weblogs and other communication data, whether this is required for Our own billing purposes or otherwise and the resources that You access whilst visiting Our Website or mobile application.

5. INFORMATION COLLECTED BY MERCHANTS
yoflic.net shall engage independent merchants to provide certain services and products related to our Website.
Access to any of Your Personal Information by these merchants is limited to the information reasonably necessary in order for the merchants to perform their limited services for Us.
We also insist that these merchants protect Your Personal Information in a manner consistent with this Privacy Policy and that the merchants shall not use or disclose Your personal information for any purpose other than providing Us with the products or services for which We have contracted.
We will not sell, distribute or lease Your Personal Information to merchants unless:

Required by law such as to comply with a subpoena or similar legal process.
To the extent We are legally permitted to do so, We will take commercially reasonable steps to notify You in the event that We are required to provide Your personal information to Merchants as part of the legal process When We believe in good faith that disclosure is necessary to protect Our rights, protect Your safety or the safety of others, investigate fraud or respond to a written government request.
If yoflic.net becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, We will provide notice before personally identifying information becomes subject to a different privacy statement
To any other Merchant with Your prior consent to do so.

6. USE OF PERSONAL INFORMATION
We use personal information to provide You with services & products You explicitly requested, like the following: To carry out Your instructions for making and receiving payments and undertake transactions using Our services, including verifying that You have sufficient funds in Your yoflic.net to make such payments To operate and administer Your yoflic.net for providing services that You have requested To notify You about changes to Our service(s) To comply with financial services regulations including retention of financial information and transactions For customer service, including answering questions and responding to feedback and complaints To provide You with information, products or services that You request from Us or which We feel may interest You. To allow You to participate in interactive features of the website or mobile application To improve Our internal customer training For financial and identity checks, fraud prevention checks, anti-money laundering and credit checks To enhance the security of Our services To send You offers based on Your previous orders and interests To complete optional online surveys which may ask You for contact information and demographic information (like zip code, age, gender).
CONSEQUENCES OF NOT PROVIDING PERSONAL INFORMATION If You choose not to provide Your Personal Information that is mandatory to process Your request, yoflic.net may not be able to provide the corresponding services.

7. SECURITY
yoflic.net has drawn up stringent security measures to protect the loss, misuse, and alteration of the information provided by You under Our control. At any point in time, when You change or access Your account information, We offer the use of a secure server. Once Your information is in Our possession, We adhere to strict security guidelines, protecting the information against unauthorized access. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
For example We use Secure Socket Layer (SSL) to encrypt the transmission of data on Our Website.
We review Our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems. We restrict access to Personal Information to Our employees, contractors and agents who need to know that information in order to process it for Us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations. We are not responsible for third party circumvention of any privacy settings or security measures on yoflic.net. You can reduce these risks by using common sense security practices such as choosing a strong password, using different passwords for different services, and using up to date antivirus software.

8. SERVER LOGS
In order to ensure easy and comfortable surfing on our Website, each time you visit our Website, the computer collects certain statistical information. These statistics are only used to provide Us information in relation to the type of User using our Website by maintaining the history of page requests and at no point, they identify the personal details of the User. We may make use of this data to understand how our Website is being used.

9. INTERNATIONAL USERS
The Website is hosted in India.
If You are accessing the Website from outside India, Your use of the Website is governed by laws of India. You are transferring Your Personal Information to India, and You consent to that transfer.

10.UPDATES TO PRIVACY POLICY
Our Privacy Policy may change at any time without prior notification. To make sure that You are aware of any changes, kindly review the policy periodically. This Privacy Policy shall apply uniformly to yoflic.net's desktop website.

11. ENFORCEMENT
We may use the information collected, in connection with Your use of yoflic.net (including Your personal information) in order to investigate, enforce, and apply our Terms of Use and Privacy Policy.

12. DISPUTE RESOLUTION
If You believe that yoflic.net has not adhered to this Privacy Policy please email Us at E-mail: [email protected] (In Your email, please describe in as much detail as possible ways in which You believe the Privacy Policy has not been complied with. We will investigate Your complaint promptly.) YOUR USE OF THE WEBSITE CONFIRMS YOUR AGREEMENT TO THE PRIVACY POLICY.

13. OTHER INFORMATION
If You would like to view the information We have collected from You or You want to correct Your information, please go to Our Login page and log in to Your account to view the above details and to review Your personal information. If You believe that any information We are holding about You is incorrect or incomplete, please email Us at [email protected] We will promptly correct any information found to be incorrect We may change this policy from time to time by updating this page. We will post a notice on Our home page that this Privacy Policy has changed. Unless stated otherwise, Our current Privacy Policy applies to all information that We have about You and Your account. This policy is effective from the date last updated.