Privacy Policy

This Privacy Policy explains how EMI Manager, a service operated by Ambala IT (“Ambala IT”, “we”, “our”, or “us”), collects, uses, processes, stores, and protects your personal information when you avail device financing services through participating retailers.

By using EMI Manager or submitting your information in connection with a financing arrangement, you consent to the practices described in this Privacy Policy.

1. Scope of This Policy

This Privacy Policy applies to:

• Customers availing installment-based device financing through retailers using EMI Manager.
• Information collected via digital platforms, mobile applications, web portals, forms, or offline processes.

This Policy does not govern the independent privacy practices of retailers. Customers are encouraged to review the retailer’s privacy policy separately.

2. Information We Collect

a) Personal Identification Information

• Full name
• Government-issued identification details
• Photograph (if required for verification)
• Signature (if required for verification)

b) Contact Information

• Mobile number
• Email address

c) Device & Technical Information

• Device identification details (IMEI, serial number)
• Usage data related to payment tracking or enforcement

d) Communication Records

• Customer support interactions
• Notifications and payment reminders

3. Purpose of Data Collection

• Facilitating financing arrangements
• Identity verification and fraud prevention
• Managing installment schedules
• Enforcing financing agreements
• Sending reminders and service communications
• Legal and regulatory compliance
• Improving platform functionality

4. Legal Basis for Processing

• Your consent
• Performance of contractual obligations
• Compliance with legal requirements
• Legitimate business interests (fraud prevention, risk management)

5. Sharing of Information

a) Retailers – For financing and payment management.

b) Authorized Service Providers

• Cloud storage providers
• Recovery and legal service providers

c) Legal Authorities – Where required by law.

We do not sell your personal information to third parties.

6. Data Retention

Your information will be retained during the financing tenure and for additional periods as required by law or legitimate business purposes.

7. Data Security

• Encrypted data transmission
• Access control mechanisms
• Secure servers and firewalls
• Restricted access to authorized personnel

However, no electronic system is completely secure, and absolute security cannot be guaranteed.

8. Customer Responsibilities

• Provide accurate and complete information.
• Notify the retailer of changes to contact or employment details.
• Safeguard login credentials and device access.

9. Your Rights

Subject to applicable law, you may have the right to:

• Access your personal data
• Request correction of inaccurate data
• Request deletion (where legally permissible)

10. Third-Party Links & Services

EMI Manager may integrate with third-party services. We are not responsible for their privacy practices.

11. Cross-Border Data Transfers

Your data may be processed or stored outside your country, subject to appropriate legal safeguards.

12. Updates to This Privacy Policy

Ambala IT may update this Privacy Policy to reflect legal or operational changes. Continued use constitutes acceptance of updated terms.

13. Contact Information

Ambala IT
(Operator of EMI Manager)
Email: contact@ambalait.com

By availing device financing services through EMI Manager, you acknowledge that you have read and understood this Privacy Policy.