Your privacy is important to LXME MONEY PVT LTD We at www.lxme.in and “LXME” App acknowledge and accept that the personal details that you impart to us, is to be kept in strict confidentiality and to use the information only in the manner which would be beneficial to our customers. This privacy statement provides information about the personal information that we collect, and the ways in which we uses that personal information. If you object to your information being transferred or used in this way, please do not provide the details of your information on the Website.
The term LXME MONEY PVT LTD (or “us” or “we”) refers to the owners, managers of the website www.lxme.in and “LXME” App whose registered office is 11TH FLOOR, TIMES TOWER, SENAPATI BAPAT MARG,Kamala City Lower Parel, Mumbai, Mumbai, Maharashtra, 400013, India, who owns and manages the website www.lxme.in and “LXME” App (“the Website”). The term “you” refers to the user or viewer of our website.
Collection and use of Personal information:
LXME MONEY PVT LTD may collect and use the following kinds of personal information: Information about your use of this website; Information that you provide using for the purpose of registering with www.lxme.in and “LXME” App (“the Website”); Information (including but not limited to Name, Date of Birth/Age, Gender, Business/Profession, Family Details, Investment / Portfolio details, PAN No., KYC, Photograph, Aadhar Number, Relationship with Bankers / Brokers / Intermediaries, Bank Account/Demat Account / Trading Account etc.) that you provide for the purpose of subscribing to the Website services Any other information that you send to LXME MONEY PVT LTD.
We would ensure that we collect personal information only to the extent it is necessary to administer our services in the best possible manner and what is required under the various rules / regulations of Indian Laws applicable from time to time. Once you provide your information to us, you provide such information to us and our affiliate and we and our affiliate may use such information to provide you various services. We shall use the personal information for, among other things, customer verification, provision of products and services, for personalization of products or services, marketing or promotion of our financial services or related products or that of our associates and affiliates; for creation of statistical information, statistical analysis or credit scoring, enforcement of your obligations, any other purpose that will help us in providing you with optimal and high quality services. To ensure high quality services and high degree of value addition to you, we may combine the information given by you on the web or through other channels.
Under certain circumstances we may be required to share the information given by you with our affiliates, associates, Group Companies and/or third parties, where we feel they can contribute to add value and improve the quality of services imparted by us to you. Where we discloses your personal information to our agents or sub-contractors for these purposes, the agent or sub-contractor in question will be obligated to use that personal information in accordance with the terms of this privacy statement. We or our channel partner / affiliate / associate may use your personal information to contact you for promotion of products/schemes etc. You hereby agree and understand that such promotional calls may be made to you unless you specifically convey to us to not call you further for such promotions, schemes etc.
In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, we may also share your Information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. Any Information may be required to be disclosed to any third party by us by an order under the law for the time being in force.
Log File information collected and stored automatically:
If you visit/ log into our Website just to browse, read pages or download information, we gather and store certain information about your visit automatically. This information cannot and does not identify you personally.
When you register with or view our site, our servers automatically record certain information that your web browser sends whenever you visit our Website. The kind of information that is gathered automatically include the type of browser you are using (e.g. Internet Explorer, Firefox, etc.), the type of Operating System you are using (e.g. Windows or Mac OS) and the domain name of your Internet Service Provider, the date and time of your visit and the pages on our Website. We sometimes use this information to improve our Website(s) design, content and primarily to give you a better browsing experience.
From that graph, we can see that it is currently impossible to promise a low-risk investment offer, for less than a year, beyond single-digit returns. To reflect this reality, we are introducing dynamic interest rates.
Currently, it is possible for anyone investing largely in relatively secure financial instruments, to offer 10% per annum or more.
Privacy Policy for Loans
1. Does LXME provide the loans?
No. These personal loans are disbursed by lenders who are associated with Indialends (Loan Aggregator Platform). LXME only passes the leads to creditvidya for loan application. Please refer to creditvidya terms and conditions before applying for a loan. https://prefr.com/terms_and_conditions
2. Does LXME share personal data with 3rd party loan aggregators?
No, LXME does not share any personal information provided to us on the Lxme App with any 3rd party loan aggregators. The customer’s data is completely safe.
3. How to avail personal loans?
To avail a personal loan, click on the loan button on the LXME App. You will get redirected to creditvidya’ website to apply for your loan following their procedure. https://marketplace.creditvidya.com/lxme/GetStarted?startPage=base
COOKIE POLICY
To continually enhance your online experience, we use cookies that store your preferences and give us data about your browsing behaviour, such as the pages you visited on this website, how much time you spent on our site, etc. This information helps us understand customer interests and helps us improve our Website. By visiting the Website, you acknowledge, accept and expressly authorize us for the placement of cookies on your computer or hand held device. Please find below some more information regarding cookies and their application on our Website:
What are Cookies?
A cookie is a simple text file that is stored on your computer or hand held device by a website’s server and only that server will be able to retrieve or read the contents of that cookie. Every cookie is unique to your particular web browser. It will contain some anonymous information such as a unique identifier and the site name with some digits and numbers. Cookies save your time, for example, if you personalize a web page, or navigate within a Site; a cookie recalls your specific information on subsequent visits. www.lxme.in also uses cookies to track user traffic patterns. The cookies also allow the website to limit the number of ads shown. Most web browsers automatically accept cookies; however you can modify your browser setting to decline cookies. In addition to cookies, our Website uses a variety of technical methods for tracking purposes, which may include web beacons. Web beacons are small pieces of data that are embedded in images on the pages of websites. www.lxme.in also uses these technical methods to analyze the traffic patterns on our Website, such as the frequency with which our users visit various parts of our Website.
Reasonable security practices for protecting information:
We use commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your personal information. We cannot, however, ensure or warrant the security of any information you transmit to us and you do so at your own risk. Once we receive your transmission of information, we make commercially reasonable efforts to ensure the security of our systems. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards.
To protect your privacy and security, we take reasonable steps to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from us, at all times.
Links to other Web Sites:
This website contains links to other websites in the World Wide Web. We are not responsible for the privacy policies or practices of any third party as the same are not under our control. Some of these third-party sites may be co-branded with us, even though they are not operated or maintained by us. Once you have left our Website, you should check the applicable privacy policy of the third party website to determine how they will handle any information they collect from you.
DISCLAIMER
No warranties:
This Website is provided “as is” without any representations or warranties, express or implied. We and/or our Group Companies, director, employees, affiliates and associates, make no representations or warranties in relation to the Website or the information and materials provided on the Website.
This Website will be constantly available, or available at all; or
The information on this Website is complete, true, accurate or non-misleading.
Other disclaimers:
Without prejudice to the generality of the foregoing paragraph, we and our group companies, directors, employees, affiliates and associates state that: The information, analysis, advise given herein is purely an interpretation / view of the author and we and/or our Group Companies, directors, employees, affiliates and associates shall not be liable or responsible in any manner whatsoever for the trades executed by the customers on the basis of these information.
Any comparative indices that are made available on the Website are mere indicators and are in no manner meant to reflect or influence the buying decision of the customers. We and/or Group Companies, directors, employees, affiliates and associates do not in any manner whatsoever verify or vouch for the accuracy or authenticity of the results.
Nothing on this Website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any investments, legal, financial, medical matters or any other matters, you should consult an appropriate professional.
Disclaimer for content / information / report:
The documents/information available on the Website does not constitute an offer or solicitation for the purchase or sale of any Security / financial instrument or as an official confirmation of any transaction. We and/or our Group Companies, directors, employees, affiliates and associates shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information. The documents/information are provided for assistance only and is not intended to be and must not alone be taken as the basis for any decision. The user assumes the entire risk of any use made of this information.
The distribution of this document in certain jurisdictions may be restricted by law, and persons in whose possession this document comes, should inform themselves about and observe, any such restrictions. The information given in this document is as of the date and time and there can be no assurance that future results or events will be consistent with this information. The information is subject to change without any prior notice. We and/or our Group Companies, directors, employees, affiliates and associates reserves the right to make modifications and alterations to this statement as may be required from time to time. However, we and/or out Group Companies, directors, employees, affiliates and associates are under no obligation to update or keep the information current.
All layout, design, original artwork, concepts and other Intellectual Properties, remains the property and copyright of LXME MONEY PVT LTD and may not be used in any form or for any purpose whatsoever by any party without the express written permission of the copyright holders.
This is a Private website owned by LXME MONEY PVT LTD. Unauthorized scanning of vulnerabilities and exploitation of the same is strictly prohibited. If you have been found to do so, we may bring Civil and/or Criminal action and/or legal proceedings against you which shall be entirely at your costs and consequences.
Limitations of liability:
We and/or our Group Companies, directors, employees, affiliates and associates will not be liable to you (whether under the law of contact, the law of torts or otherwise under any other law) in relation to the contents of, or use of, or otherwise in connection with, this Website:
For any indirect, special or consequential loss; or For any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
You accept that, we have an interest in limiting the personal liability of our officers, employees, directors, affiliates, Group Companies and associates. You agree that you will not bring any claim personally against us and/or our Group Companies, directors, employees, affiliates and associates in respect of any losses you suffer in connection with the website.
Reasonableness:
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect us and/ or our Group Companies, directors, employees, affiliates and associates.
By using this Website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this Website.
Unenforceable provisions:
If any provision of this Website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this Website disclaimer.
Jurisdiction:
Your use of this website and any dispute arising out of such use of the website is subject to the laws of India. You hereby consent to the exclusive jurisdiction and venue of courts in Mumbai, Maharashtra, India in all disputes arising out of or relating to the use of this Website. Use of this Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.
This notice / policy is not intended to and do not create any contractual or other legal rights in favour of any user or viewer of www.lxme.in or on behalf of any other party. However, users and viewers are informed that by using the website www.lxme.in, they are deemed to have consented to the collection and use of information by us as stated above.
By visiting our website/mobile application, you have consented to our terms of use and privacy policy. You are providing your consent to share your personal information which may include your name, address, telephone number, photograph along with supporting KYC (Know Your Customer) documents, bank account details, financial statements and other such personal information with us and Credit Bureaus, our lending partners (including NBFCs, Banks etc.) as well as outsourced agencies of the lenders, for the purpose of obtaining financial assistance.Your personal information may be stored by us as per the Applicable Laws and as laid down in our Privacy Policy. You may read our privacy policy at https://lxme.in/privacy-policy/. You herebyconsent to provide one time access of camera, microphone, location and other such features on your mobile phone for the purpose of on-boarding / KYC requirement. Your personal information may be shared with Statutory or Regulatory Bodies constituted under any Statute, Act or Regulation for the time being in force or under any order, judgement, decree of the Court, Tribunal or Judicial Authority. You can write to us at contact@lxme.in for giving or denying your consent for use of specific data, restrict disclosure to third parties, data retention, or revoke consent already granted to collect personal data or making our mobile application delete or forget the data.
If you do not agree to any of the terms mentioned in this Policy document, you should exit the site.