Review these Terms of Service ("Agreement") thoroughly. This Agreement is a legal agreement between the User and Chicfactory. By accepting electronically (for example, clicking “I Agree”), installing, accessing or using the Services, User agrees to these terms. If the User does not agree to this Agreement, then he/she may not use the Services. This License Agreement shall be governed by and construed in accordance with the laws of the INDIA.

These terms may be updated from time to time in the future. The User should agree to review our Terms and Conditions regularly by visiting this page. Continued access to or use of the service will mean that the User agrees to the change.

The User owns the content created or stored by his/her as we respect his/her right to ownership of content created or stored by them. The Users use of the Services does grant Chicfactory the license to use, reproduce, adapt, modify, publish or distribute the content created by them or stored in the user’s account for Chicfactory internal purpose. Chicfactory tries keeping Users data safe but holds zero responsibility in case of data leaks

Camera: To take the picture of the bills etc to be attached with transactions. Contacts: This app collects contact information like number of contacts on the device with a phone number and without a phone number. In addition to it, the app collects other non-personal information to understand the risk profile of the user and enable credit facility. This app doesn't upload your contacts information like names, phone numbers, emails addresses and other personal information to our servers. Location: This app collects location details to verify your location & current address, to ensure serviceability and to identify unusual activity to prevent against any fraud, we do not collect location when app is in background.

We leverage industry-standard physical, technical, and administrative measures to ensure the security of your information. Our systems are fortified with robust firewalls, advanced encryption methods, and continuous monitoring to thwart potential security breaches. Our team stays abreast of the latest security trends and technologies, ensuring your data is protected by the best defenses available. Continuous Improvement: Recognizing that no security system is impenetrable, we are committed to continually enhancing our security measures. Our efforts are guided by a ‘best effort basis’ principle, focusing on continuous improvement and adaptation to evolving threats. User Responsibility: We emphasize the importance of your role in maintaining the security of your account. It’s crucial to keep your username and password confidential and to exercise caution in their usage. We count on your partnership to uphold this aspect of security. Communication Safety:Please be aware that standard email and messaging communication with Chicfactory may not be encrypted. We advise against sharing confidential information through these channels to avoid potential risks. Data Retention & Deletion Policy:Your personal information is retained only as long as necessary. Once your account is no longer active, or as per legal requirements, we responsibly delete your personal data, barring any requirements for legal compliance, fraud prevention, or other critical business needs. Your events data is stored for one year, account details are stored forever unless the user requests for deletion of data or account, usage logs are maintained for three months, while transactional logs are maintained for twelve months. Users can request deletion here. Your Trust, Our Priority: At Chicfactory , your trust is our top priority. While we acknowledge that absolute security is an ongoing challenge, our commitment to protecting your data remains steadfast. We are constantly evolving to meet and exceed industry standards, ensuring that your information is secure with us. For any concerns or queries regarding our data security practices, please feel free to contact us at hello.chicfactory@gmail.com

The Chicfactory Platform has a link to a registered third party SDK that collects data on our behalf and data is stored on a secured server to perform a credit risk assessment. We ensure that our third-party service provider takes extensive security measures in order to protect your personal information against loss, misuse or alteration of the data. Our third-party service provider employs separation of environments and segregation of duties and has strict role-based access control on a documented, authorized, need to-use basis. The stored data is protected and stored by application-level encryption. They enforce key management services to limit access to data. Furthermore, our registered third party service provider provides hosting security – they use industry-leading anti-virus, anti-malware, intrusion prevention systems, intrusion detection systems, file integrity monitoring, and application control solutions

In addition to the General Conditions of Chicfactory service a User agrees to be bound by the following terms and conditions: The User agrees to receive promotional, transactional and commercial communications from Chicfactory through calls, email, SMS or push notifications. Under certain conditions, promotional messages are transmitted to the users and that Chicfactory shall not bear any further obligation in respect of such promotional messages.