Privacy Policy

Please review our privacy policy, to fully understand how we handle your interactions with this website.

Updated as on 16th June, 2025

1. INTRODUCTION

This document (hereinafter referred to as “Privacy Policy”) is published by OnEMI Technology Solutions Limited (hereinafter referred to as the “Company”). The Company is incorporated under the provisions of the Companies Act, 2013, and has its registered office at 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai - 400070 Maharashtra, India. The purpose of this Policy is to give You information on how the Company collects, stores, uses, discloses, transfers and processes Your Personal Information (defined below) including Sensitive Personal Information (defined below) when: (a) You Use the Site; or (b) You avail any products or Services which the Company may operate or offer to You through the Site

This Privacy Policy is prepared and published by the Company by virtue of the legal requirement that require regulated entities/ intermediaries to publish the rules and regulations, privacy policy and terms for access or usage of their website/mobile app and in compliance with the laws and regulations framed by the Reserve Bank of India and such other regulators having the authority to frame laws around collecting and handling of personal and non Personal Information including laws as mentioned below:

• Information Technology Act, 2000 and Information Technology (Intermediaries Guidelines and Digital Media Ethics Code) Rules, 2021 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

• Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021

• Other applicable acts, regulations and rules which requires the publishing of a privacy policy for handling of or dealing in personal information including sensitive personal data or information and all applicable laws, regulations, guidelines provided by applicable regulatory authorities including but not limited to the RBI.

PLEASE READ THIS POLICY CAREFULLY. BY CONTINUING TO USE THE SERVICES, OR ON YOUR MERE VISIT TO THIS WEBSITE, YOU AGREE TO THIS POLICY, AND THE FOLLOWING TERMS AND CONDITIONS WILL BE DEEMED TO HAVE BEEN ACCEPTED BY YOU. BY YOUR ACCEPTANCE OF THIS POLICY, YOU EXPLICITLY CONSENT TO COLLECTION, STORAGE, PROCESSING, HANDLING AND USE OF SUCH USER INFORMATION, IN ACCORDANCE WITH THIS POLICY. IF YOU DO NOT AGREE TO THIS POLICY OR ANY PART THEREOF, PLEASE DO NOT USE/ ACCESS/ DOWNLOAD/ INSTALL THE APP OR ANY PART THEREOF.

2. DEFINITIONS:

2.1 The term "User", "Client", or "You" or any other variant of the said pronoun shall refer to the User who is browsing this Site.
2.2 The term "Site" or "Website" refers to https://conexo.in and shall include other websites or web applications if any owned/ monitored by the Company
2.3 Personal Information for purposes of this Policy means information including Sensitive Personal Information that identifies you, directly or indirectly such as your name, address, phone number, mobile number, e-mail address, postal address, a unique login name, password, password validation, income tax details, marital status, family details, business information, bank statements, KYC documents and other details shared via application form or via email or via any other electronic medium or via printed form. All Personally Identifiable Information and Service Information shall be collectively known as "Information".

By providing your number at the site or website, you are authorizing us & our representatives to contact and offer you our Services for the product you have opted for, imparting product knowledge, offering promotional offers running on the website, and to contact you again about other services and products that we and /or authorized third party service partners/affiliate(s) offer. By submitting your Information, you expressly acknowledge and consent to use such Information and to process the same in a manner deemed fit and provided in this Privacy Policy, in compliance with applicable laws. This may involve conducting data analysis, research based on reviews about deals, transfer of your Information to third party experts for the purpose of services offered to you by our financial partners, transfer your Information to third parties/ service partners for providing you services offered by such third parties and service partners etc.

2.4 "Processing" in relation to personal data or information means an automated operation or set of operations performed on personal data, and may include operations such as collection, recording, organization, structuring, storage, adaptation, alteration, retrieval, use, alignment or combination, indexing, sharing, disclosure by transmission, dissemination or otherwise making available, restriction, erasure or destruction;
2.5 "Publicly available information" shall mean any information or data of the user which the Company reasonably believes is lawfully publicly available. All other information or data which is not publicly available shall be Non publicly available information for the purpose of this Policy.

3. SERVICES AND COLLECTION OF INFORMATION:

3.1 The Company enables the Users of the Website to avail financial products offered by various financial partners affiliated with the Company (“Services”)
3.2 In its efforts to ensure that its Services as abovementioned are properly delivered to and utilized by its Users, the Website will automatically receive and collect certain anonymous Information in standard usage logs through its webserver, including computer-identification information obtained from “Cookies,” sent to the User’s browser from either:
1. a. Web-server Cookie stored on the User's hard drive.
2. b. An IP address assigned to the User's computer.
3. c. The domain server through which the User accesses the Website.
4. d. The make and type of the computer being used by the User to access the Website.
5. e. The type of the web-browser that the User uses to access the Website.
3.3 The Personal Information collected from the User while accessing the Website, as mentioned in the preceding paragraph, shall include:
1. a. Name (including the first and last name) of the User.
2. b. Email address of the User.
3. c. Contact details (including the mobile phone number) of the User.
4. d. Zip/Postal code of the User's location.
5. e. The demographic profile of the User including inter alia the User's age, gender, occupation and address.
6. f. Financial information and credit related information including, but not limited to, the User's salary
7. g. The User's preference in so far as the financial services offered by the Website.
8. h. Where You opt to provide any device permissions such as contact list, photos, camera, location, microphone, SMS, storage, phone calls, the Company may retrieve, retain and use the data sourced through such device permissions and You retain the right to revoke the aforementioned access by amending access permissions within Your device's settings.

4. PURPOSE

The Company requires Your information inter alia for the purpose of:

4.1 Getting in touch with You, whenever necessary.
4.2 Providing You with the products and Services that You have specifically requested for.
4.3 Intra business interactions among various subsidiaries/affiliates of the Company.
4.4 Investigating violations of the Website's/ mobile application's terms of use or to defend against legal claims.
4.5 Sending You information about special promotions or offers. The Company might also tell You about new features or products/Services. These might be the Company’s own offers or products/Services, or third-party offers or lending partners’ products or products/services with whom the Company has a tie-up;
4.6 For generating Your Bureau report upon Your consent;
4.7 File storage permissions on Website for uploading customer documents are obtained for the purpose of processing customer applications by the Company's partners.

5. CONSENT

By using this Website, You consent to the terms of the Company’s Privacy Policy and terms of use of the Website and to the Company’s processing of Your Information for the purposes given above. There are times, however, when the Company may need to contact You via emails, or through phone calls or SMS, and offer You their Services for the product that You have opted for, or for imparting product knowledge, or to inform You about promotional offers running on the Website and/or offers offered by the associated third parties, for which reasons, as well as web aggregation, Personal Information may be collected as detailed above. It is made clear that the Company shall not be liable in any manner, for any defects or adverse consequences that may arise as a result of limited, incomplete, inaccurate or false Information provided by You.

6. REASONABLE SECURITY PRACTICES AND PROCEDURES ADOPTED BY THE COMPANY TO PROTECT PRIVACY

The Company has in place, reasonable measures to protect and safeguard the Information provided by the User on its interface in accordance with the Information Technology Act, 2000 and its allied Rules and Regulations. In order to protect Your privacy, the Company has adopted the following principles:

6.1. SECURITY

Your account information is password protected for Your privacy and security. Wherever Your Personal Information may be held within the Company, the Company intends to take reasonable steps to protect it from unauthorized access or disclosure. The Company is committed to protecting the security of Your Personal Information. The Company uses a variety of security technologies and procedures to help protect Your Personal Information from unauthorized access, use, or disclosure. The Company stores the Personal Information You provide on computer systems located in controlled facilities with limited access.

6.2. COLLECTION AND STORAGE

The Company receives and stores Information or document You enter or upload on the Website, in line with the product or Service opted by You and as required by the Company or its business partners, including Your Personal Information which will be need-based like first name, last name, email address, date of birth, residence city etc.

You can choose not to provide certain Information but then You might not be able to take advantage of many of the Company’s Services and features. You may still visit the Website, but You may be unable to access certain options, offers, and services that involve the Company’s interaction with You. If You choose to have a relationship with the Company, such as a contractual or other business relationship, the Company will naturally continue to contact You in connection with that business relationship. The Company might receive Information about You from other sources and add it to its account information.

The Company neither collects nor stores Your biometric information. The Company may also have one time access to Your camera, microphone, location or any other facility necessary for the purpose of onboarding or KYC requirements of its Partner with Your explicit consent. The Company might receive information about You from other sources and add it to our account information.

We retain your Information as long as the purpose of its usage exist, after which the same is archived or purged or deleted by us except in case where the retention is required as per Applicable Laws. Further, we inform you that we retain Information even after you withdraw your consent partially or wholly, for longer period of time, when necessary or required to be retained by Us, under various Applicable Laws.

All non-personally identifiable information (non-PII) including SMS will be stored and used for a period of one (1) year. All other data such as name, address, contact details, etc. permitted in pursuant to regulatory guidelines, including DLG and such other data collected for the purpose of onboarding and operational servicing, will be retained for a minimum period of five (5) years.

In general terms, this will mean that your Information will be kept for the duration of our relationship with you and:

1. the period required by under Applicable Laws; and
2. as long as it is necessary for you to be able to bring a claim against us and for us to be able to defend ourselves against any legal claims. This will generally be the length of the relationship plus the length of any applicable statutory limitation period under Applicable Laws.

All the data, including all the copies thereof will be destroyed post the completion of the business, legal or regulatory requirement. In case the data are stored in digital form, then secure erasure of individual folders and/or files will be done as per the Media handling and Destruction Policy of the Company.

6.3. DISCLOSURE AND SHARING

Any Personal Information that the Company has access to shall never be shared without User consent and without disclosing the purpose behind the same. In various processes /submission of applications /availing of product / Service offerings, Company may even seek User explicit consent to use / share User’s Personal Information.

In Company’s business and operational processes, Company only shares the data on a partial and “need-to- know” basis to designated personnel or partners or service providers/third parties. The details of our partners/ service providers/third parties with whom the Company may share User’s Personal Information on a partial and “need-to-know” basis can be viewed at www.conexo.in.

Company will share User’s Information with competent / legal / statutory / regulatory agencies / authorities or partners / service providers acting on our behalf (as the case may be) in following cases:

a. For enabling the provision of the products / Services availed by User, strictly on a “need to know” basis and subject to Applicable Law.
b.Where it is directed or required by legal / regulatory / statutory / governmental authorities / judiciary under any Applicable Law / regulations or judicial pronouncement though a legally obligated request.
c. Where it is required by financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with Applicable Law / regulations.

7. THIRD PARTY LINKS/OFFERS

The Company uses third-party advertising companies to serve ads to You when You visit the 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. However, it is made clear that Your interaction with any third party accessed through the Website is at Your own risk, and the Company will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from Your interactions with the third parties. The Company reiterates that it is not responsible for the privacy practices of third-party websites, which the Company does not own, manage or control. The Company encourages You to carefully read the privacy policy of any website You visit.

8. RIGHTS TO REDRESSAL

The Company allows You to exercise the following rights:

8.1. CORRECTION OF INFORMATION

To the extent that You do provide the Company with Personal Information, the Company wishes to maintain accurate, true and complete Personal Information. Where the Company collects Personal Information from You on the Website, its aim is to provide a means of contacting the Company should You need to update or correct that information. If for any reason those means are unavailable or inaccessible, You may send updates and corrections about Your Personal Information to care@conexo.in as applicable, and the Company will make reasonable efforts to incorporate the changes.

8.2. DENY/REVOKE CONSENT

The User may at any point in time choose to deny/revoke consent for use of his Personal Information or restrict disclosure to third parties, data retention or revoke consent already granted to collect Personal Information. However, in case User chooses to opt for any such revocation/restriction, the Company may not be able to offer/serve User with various products/Services that need the Company to have User consent for using/storing/sharing User’s Personal Information in accordance with this Policy and in such case the Company may have to withdraw/stop any such products/Services being availed by the User. The User may by sending a mail to care@conexo.in revoke his consent to use his Personal Information being used by lending partners or other associates or third parties for their selling or promotion of their products.

8.3. DELETION OF ACCOUNT

The User may choose to delete his account at any point of time by making such choice by emailing the Company on care@conexo.in With this, the Company will no longer provide User Information for external processing, cross-selling, and promotional offers of its lending partners. However, in all cases the Company may retain User’s Personal Information as long as the purpose for its usage exists, after which the same may be disposed off by Company except for any record retention required as per Applicable Law.

9. CHANGES IN PRIVACY POLICY

Please note that this Privacy Policy may change from time to time. The Company reserve its right to change, modify or update this Privacy Policy at any time without notice. The Company shall not reduce Your rights under this Policy without Your explicit consent and expects most such changes to be minor. Regardless, the Company will post any Policy changes on this page and, if the changes are significant, we will provide a more prominent notice. Each version of this Policy will be identified at the bottom of the page by its effective date. If You have any questions or concerns about this Policy, please feel free to contact the Company any time at the contact details provided on this Website

10. NODAL GRIEVANCE REDRESSAL

The User may contact Company on any aspect of this Privacy Policy or grievances relating to any digital lending-related complaints, by writing to the Company’s Nodal Grievance Officer as per the details provided below:

Grievance Redressal Officer:

Abhishek Yadav

OnEMI Technology Solutions Limited, 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Maharashtra 400070.

E-mail Id: care@kissht.com

Contact No: 08044745952

11. QUESTIONS OR SUGGESTIONS

If You have any questions about the Company's Privacy Policy disclosure of Your Information or data privacy, please e-mail the Company at care@conexo.in

Frequently asked
questions.

How to become a channel partner with Conexo?

Joining Conexo as a channel partners is quick and easy. Just follow these simple steps: 1. Visit the Conexo Website – Click on the 'Become a Channel Partner' option. 2. Complete the Registration Form – Fill in your details and submit the form. 3. Verify Your KYC & E-Sign the Agreement – Once your basic KYC details are shared and the agreement is e-signed, you'll officially become a Conexo Channel Partner. Get started today and unlock the opportunity to earn attractive commissions while helping customers find the best financial products!

What are the eligibility Criteria for becoming a channel partner with Conexo?

To become a Conexo channel partner, you need to meet the following Eligibility Criteria: • Age Requirement: You must be at least 25 years old. • Nationality: You must be a Resident Citizen of India. • Educational Qualifications: No specific educational qualification is required. • Professional Qualifications: Whether you are a working professional or a business owner, you can register as a Conexo loan agent. Ideal candidates include loan agents, ex-bankers, financial analysts, mutual fund agents, chartered accountants, and builders. Conexo welcomes individuals from diverse professional backgrounds who are looking to expand their income opportunities.

What support does Conexo provides to its Channel partners?

Conexo is committed to the success of its channel partners by offering extensive support in the following areas: • Comprehensive Training: We provide detailed training sessions to help you understand our products, processes, and the market. • Marketing Support: You can get leads, marketing materials, and strategies from conexo to promote your services effectively. • Timely Payouts: We ensure that you receive your commissions on time, providing a smooth and transparent payout process. By partnering with Conexo, you get all the support you need to grow and succeed as a channel partner.

What is the role of a channel partner?

A channel Partner is responsible for managing a loan for the clients, the entire process of applying and availing a loan is catered by the partner or its team. As most of the borrowers are not aware of the technical obligations of availing a loan, so a channel partner helps in easing the process and provide all due assistance.

What is the commission of a channel partner?

The compensation and commission for a channel partner may vary on a case-by-case basis. However, we guarantee the highest and fastest payouts in the industry.

How does Conexo help lenders?

By connecting lenders with a large network of DSA (Direct Selling Agent) partners, Digital Platforms, Corporates etc. Conexo helps lenders expand their reach and increase loan volume.

How will lenders get access to leads?

Lenders will have access to a dedicated Conexo dashboard, where they can view lead details, assess their qualification and track the entire lead status seamlessly.

How to get onboard with Conexo as a Lender?

To become a lender with Conexo, simply email us at care@conexo.in, and our team will reach out to you. Alternatively, you can visit the Contact Us section on our website and submit your details. Our team will get back to you promptly.