This Privacy Policy provides you with details about the manner in which your data is collected, stored & used by us. You are advised to read this Privacy Policy carefully. By visiting website/WAP site/applications, mobile application, (collectively referred as website/App) you expressly give us consent to use & disclose your personal information in accordance with this Privacy Policy. If you do not agree to the terms of the policy, please do not use or access website/App.
Note:
Our privacy policy is subject to change at any time without notice. Though every effort would be made to keep you informed of the changes, if any, to the policy, you are kindly advised to review the policy periodically. By downloading this application or using website you agree to be bound by the terms and conditions of this Privacy Policy.
As this policy enables us to provide you a secure and a wholesome experience, we will not be able to register you, if you are not in agreement with these terms. By mere use of the App/Website, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms of Use
Personal Data
Personal Data we may collect from you are as under: Personal details (e.g. name,email address, contact details including, residential address, date of birth, documents such as identity card / passport details / Aadhaar details / PAN / Voter ID /driving license, and/or education details) provided by you to us to avail various products/services from us. Your details including transaction history, balances, payment details, for effecting transfer of money through various payment channels provided by us. Financial details (e.g. income, and/or credit history) needed as part of request for some of our products/services;
Images of documents/ photos required to avail any of our products/services. Voice recordings of our conversations with our customer care agent with you to address your queries/grievances; Information obtained from your mobile device by way of using our app like device location, communication information including contacts and call logs, device information (including storage, model, mobile network), transactional and promotional SMS/app notifications.
Use of Personal Data
We use your Personal Data in our business activities for providing our or our partners’ products/services and to perform, among other actions, the following:
1. To facilitate the transactions or report on these transactions.
2. To undertake research and analytics for offering or improving our products/services and their security and service quality
3.to check and process your requirements submitted to us for products/services and/or instructions or requests received from you in respect of these products/services;
4.to share with you, updates on changes to the products/services and their terms and conditions;
5.to take up or investigate any complaints/claims/disputes;
6.to respond to your queries or feedback submitted by you;
7.to verify your identity for us to provide products/services to you;
8.to carry credit checks, screenings or due diligence checks as lawfully required by us;
9.to monitor and review products/services from time to time;
10.to undertake financial/regulatory/management reporting, and create and maintain various risk management models;
11.for conducting audits and for record keeping purposes;
12.for selective offers and promotions.
Sharing of personal information
We may share personal information with our other corporate entities and affiliates. We may use personally identifiable information (email address, name, phone number, credit card / debit card / other payment instrument details, etc.) provided by you to our corporate entities and affiliates in the course of making transactions. We may also disclose anonymised data derived from your personal information to third parties. This disclosure may be required for us to provide you access to our Services, to comply with our legal obligations, to enforce our User Agreement, to facilitate our marketing and advertising activities, or to prevent, detect, mitigate,and investigate fraudulent or illegal activities related to our Services. We do not disclose your personal information to third parties for their marketing and advertising purposes without your explicit consent.
Purging of your Personal Data
You may delete your account at any point of time by making such choice in the App, website, mobile WAP site or mobile application. With this we will no longer provide your data for external processing as mentioned above. However, we retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed off by us except for any record retention required as per applicable law. The provisions of various laws require your transaction logs to be stored for longer periods post the deletion of an account. Further, in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect, we may be required by the law of the land to retain your Personal Data for longer periods.