By accepting our "Terms and Conditions" you authorize Secto Elemento Technologies Pvt. Ltd. (Hereinafter referred to as The Company) to run a Credit Report check from the Bureaus for your profile for 180 days from the last application date created.

To,
The Credit Bureau/s.

Subject - Grant of Consent to Fetch Credit Report

Dear Sirs,
In connection with submission of the application for my credit information offered by the Bureaus through The Company and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

1. The Company is my lawfully appointed Representative and he / it has agreed to be my Representative for the purposes, including, without limitation, to receive the Consumer Credit Information from the Bureau on my behalf and use it in the manner consistent with the Agreement entered into between the Company and The Bureau, and the Company has granted its consent for being appointed for the aforesaid purpose.
2. I grant my unconditional consent to the Company to receive the Consumer Credit Information from The Bureau on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and The Bureau, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and The Bureau understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
3. I hereby expressly grant unconditional consent to, and direct, The Bureau to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
4. I shall not hold The Bureau responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and The Bureau.
5. I acknowledge and accept that: (a) The Bureau has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between The Bureau and the Company is solely the responsibility of the Company.
6. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to The Company authorizing The Company to obtain my Consumer Credit Information from my personal credit profile from The Bureau/s. I further authorize The Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the 'Authorize button', I agree to the terms and conditions, acknowledge receipt of The Bureau privacy policy and agree to its terms, and confirm my authorization for The Company to obtain my Consumer Credit Information.
7. I understand that in order to deliver the product to me, I hereby authorize The Company, to obtain my Consumer Credit Information from The Bureau.
8. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for The Company to request and receive information about me from third parties, including but not limited to a copy of my Consumer Credit Report and score from consumer reporting agencies, at any time for next 180 Days or 6 Months or until I have an active Company Account. I further authorize The Company to retain a copy of my information for use in accordance with the terms of use of this service, The Company's Terms of Use and Privacy Policy.
9. MANUAL REVOCATION OF CONSENT: I acknowledge and understand that I have the right to revoke this consent at any time before the expiry of the 180-day period by providing written notice to The Company through any of the following methods: (a) by sending an email to the designated email address provided by The Company; (b) by submitting a written revocation request through The Company's official website or application; (c) by accessing the consent revocation page at https://sibs.sectoelemento.com/cr/consent/revoke; (d) by sending a physical written notice to The Company's registered address; or (e) through any other method as may be specified by The Company from time to time. I understand that upon receipt of such revocation notice, The Company shall cease to obtain any further Consumer Credit Information from The Bureau/s on my behalf and shall purge all previously obtained Consumer Credit Information from its records immediately or as scheduled within 24 hours of receiving the revocation notice. I further acknowledge that such revocation and subsequent data purging shall not affect any actions taken by The Company or The Bureau/s prior to the receipt of the revocation notice, provided that The Company may retain anonymized or aggregated data that cannot be used to identify me personally, in compliance with applicable data protection laws.
10. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND The Bureau EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
11. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge The Bureau , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide The Bureau with the authority to deliver my Consumer Credit Information to the The Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against The Bureau by third parties arising from and in connection with this letter.
12. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Pune in regard to any dispute arising hereof. The Bureau is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,

Name     :____________________________
Address : ____________________________
Date      : ____________________________

1. Terms & Conditions

Secto Elemento Technlogies Pvt. Ltd. ("us", "we", "our", "The Company", etc. ) hereinafter referred to as "Secto Elemento" or "Secto" operates the website www.sectoelemento.com (hereinafter referred to as the "Service").

Your privacy is important to us. Secto is committed to respect your privacy while using our website. This Policy defines the requirements to ensure compliance with the applicable data privacy laws and regulations applicable to Secto's collection, use, and transmission of Personal Data for information collected by us on our website.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.

For residents (data subjects) of the European Union, when we collect and use personal data (information) about you, we may be subject to the General Data Protection Regulation ('GDPR') of the European Union and responsible as a 'data controller' for such personal data. (* If applicable)

For residents (consumers) of the United States, when we collect and use personal information about you, we may be subject to the California Consumer Protection Act (CCPA) and responsible as a 'business' or 'service provider' for such personal data. (* If applicable)

1.1 Definitions

Services: Service means the website www.sectoelemento.com operated by Secto Elemento.

Personal Data: Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

Usage Data: Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Cookies: Usage Cookies are small files stored on your device (computer or mobile device).

Data Controller: Data Controller means the natural or legal person who determines the purposes for which and the manner in which any personal information are, or are to be, processed.

Data Processors: Data Processor means any natural or legal person who processes the data on behalf of the Data Controller.

1.2 Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service provided to you.

1.3 Types of Data Collected

1.3.1 Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Cookies and Usage Data

1.3.2 Usage Data

We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

1.3.3 Tracking Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service. Examples of Cookies we use:

• Session Cookies: We use Session Cookies to operate our Service.
• Preference Cookies: We use Preference Cookies to remember your preferences and various settings.
• Security Cookies: We use Security Cookies for security purposes.

1.4 Use of Data

Secto uses the collected data for various purposes:

• To provide and maintain the Service
• To notify you about changes to our Service
• To allow you to participate in interactive features of our Service
• To provide customer support
• To gather analysis or valuable information so that we can improve our Service
• To monitor the usage of our Service
• To detect, prevent and address technical issues

1.5 Legal Basis for Processing Personal Data under GDPR

If you are from the European Economic Area (EEA), Secto Elemento may process your Personal Data if / because:

• We need to perform a contract with you
• You have given us permission to do so
• The processing is in our legitimate interests
• To comply with the law

1.6 Retention of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, but in India where the data protection laws may differ from those of your jurisdiction.

1.7 Transfer of Data

Secto will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy or as mentioned in the Law. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations, resolve disputes and enforce our legal agreements and policies.

1.8 Disclosure of Data

Business Transaction

If Secto Elemento is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

Legal Requirements

Secto Elemento may disclose your Personal Data in the good faith belief that such action is necessary to:

• To comply with a legal obligation
• To protect and defend the rights or property of Secto Elemento
• To prevent or investigate possible wrongdoing in connection with the Service
• To protect the personal safety of users of the Service or the public
• To protect against legal liability

1.9 Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

1.10 Service Providers

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services or assist us in analysing how our Service is used.

1.11 Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

1.12 Children's Privacy

Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18.

1.13 Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective.

1.17 Grievance Redressal

Any complaints, abuse or concerns with regards to content and or comment or breach of these terms shall be immediately informed to the designated Grievance Officer as mentioned below via in writing or through email signed with the electronic signature to The Legal Team on the Details mentioned in Point 18 of this Document

1.18 Contact Us

For any legal concern/question, please contact us at:

• Name:Nikhilesh S. Manurkar
• Email:info.sectoelemento@gmail.com
• Contact:+91 91 4646 3737

Please read these Terms and Conditions carefully before using www.sibs.sectoelemento.com, which is in the Software Development & Allied Services business.

The user must agree and accept all the "Terms and Conditions" before using www.sibs.sectoelemento.com.

Secto Elemento Technologies Pvt. Ltd. reserves the right to modify "Terms and Conditions" at any time without informing the user.

This website www.sibs.sectoelemento.com is owned and operated by Secto Elemento Technologies Pvt. Ltd. All content present on this site is the property of the Company including all the graphics, images, logos, software, trademarks, video, text, audio and animation used.

The company name and logo are trademarks of Secto Elemento Technologies Pvt. Ltd. These trademarks & logo may not be used in any manner. You may not copy, reproduce, republish, use, adapt, modify or alter these contents without permission.

The link of third-party web sites may be found on this website, so we are not responsible for the contents of such sites at all. You access such sites entirely at your own risk.

Secto Elemento Technologies Pvt. Ltd. shall have no responsibility for any damage to your computer system or loss of data that results from the download of any information from this Site.

For more details please contact us at info.sectoelemento@gmail.com.