Privacy Policy

We take your privacy very seriously

Last modified: February 22, 2025

ZEST CAPITAL LIMITED (herein after referred as “ZEST) operates the website www.zestcapital.com ("Site"). We respect the privacy of each user, whether this is your first time using our Site, or if you have visited previously. This Privacy Statement provides specific details about how we protect your privacy, how we treat the information we collect that identifies an individual user ("Personal Information"), and how we use aggregated information.

By registering for or using our Site, you signify your acceptance of this Privacy Statement. If you do not agree to this Privacy Statement, you cannot use the Site. We reserve the right to modify this Statement at any time by sufficient notice. In the event of any significant changes, we may notify the same. Your continued use Site after the last modification date indicates your acceptance of the changes.

Location of Servers and Transfer of Information to St. Lucia

The Site is hosted by servers in St. Lucia. If you are located outside of St. Lucia, your Personal Information will be transferred to St. Lucia. By submitting your Personal Information, you consent to its transfer to St. Lucia, and its storage, processing, and use under this Privacy Statement.

Scope of this Privacy Statement

This Privacy Statement applies only to your use of the Site. We do not own, operate, or control the websites of our Franchisees or sales associates. Therefore, this Statement does not apply to the collection, use, storage, or disclosure of your Personal Information on such third-party sites.

Collection and Use of Your Personal Information

We collect Personal Information, which may include your name, date of birth, residence and employment addresses, father’s and spouse's names, bank account details, and scans/copies of document proofs such as Identity proof, passport, address proof, etc., as part of account opening, background, financial, and demographic information. This information is collected to enhance the services we offer you, and we may hold it indefinitely as required by law for regulatory, business, and service-related purposes.

Personal Information is collected when you voluntarily submit it for purposes such as:

Sales and account opening queries
Account opening
Partnership/association inquiries

We may use this information for:

Identity verification and background checks for account opening
Personalizing services
Keeping you updated on products and services relevant to you
Providing information about services you've subscribed to
Legal and regulatory purposes

Account Information

We collect information related to your account, such as your name, email address, and contact details, to communicate with you and provide updates on our services. We store this data securely on our servers for internal use only and do not share it with any other parties.

Device Information

We collect information about the device you use, such as the device type, operating system, settings, and unique device identifiers, to send user-specific notifications and provide biometric security features. We use Google Analytics to monitor user interactions and gather non-personally identifiable information for reporting purposes.

Sensitive Personal Data or Information (SPDI)

In some cases, we may need to collect Sensitive Personal Data or Information (SPDI) as defined by the Information Technology Act and rules/regulations made there under.

Security

We implement industry-standard security practices to protect your information from unauthorized access and misuse. This includes using SSL encryption and periodic reviews of our policies and systems. However, no data transmission over the internet can be guaranteed to be 100% secure. You use the App or Site at your own risk.

Collection of Non-Personal Information

Even if you do not provide any Personal Information, we collect Non-Personal Information such as IP addresses, browser types, ISP details, and pages visited on the Site. This information helps us improve our services, customize content and advertising, and conduct research.

Cookies

Cookies are small data files sent by a website and stored on your computer’s hard drive. We use cookies to track user interactions, personalize services, and improve the App or Site. You can configure your browser to accept or reject cookies, but rejecting cookies may affect the functionality of the Site.

Use of Collected Information

We use the Personal and Non-Personal Information collected to:

Provide services you request
Send updates on your searches or industry updates
Respond to inquiries and complaints
Refer you to Franchisees or sales associates
Improve the App or Site

Disclosure and Transfer of Collected Information

We do not rent, sell, or share your Personal Information except:

To provide services you have requested
With your permission
In special circumstances, such as:
- Enforcing the Privacy Statement or Terms of Use
- Protecting our property or rights
- Responding to legal and regulatory requirements, such as directions or court orders
- During mergers or asset sales

We also do not take responsibility for the privacy practices of third-party sites linked from the Site. We encourage you to review their privacy policies when leaving our platform.

Correction/Updating Personal Information

If your Personal Information changes or you wish to stop using the Site, you can update or delete your profile by contacting customer service at ZEST CAPITAL LIMITED, The Sotheby Building Rodney Village, Rodney Bay, Gros -lslet, Saint Lucia or [email protected].

Children

The Site are not directed to children under the age of 13, and we do not knowingly collect any information from children.

Comments and Questions

If you have any questions or concerns about this Privacy Statement, please contact us through the “Contact Us” page, by reaching us at ZEST CAPITAL LIMITED, The Sotheby Building Rodney Village, Rodney Bay, Gros -lslet, Saint Lucia or [email protected].

Subject to Change

This Privacy Policy is subject to change at the sole discretion of ZEST. It is your responsibility to periodically review the Privacy Policy for updates. The last updated date is provided above for your reference.