Our Policies

We collect and generate various data points about you.

Data by which you are identified is termed as “Personal Data”. Personal Data does not mean information that is freely available or accessible in public domain. Your Privacy is of atmost importance to us and protection of your Personal Data is a key commitment for us.

We are also governed by the provisions of applicable law in India including the Information Technology Act 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 to maintain the privacy of your Personal Data.

  1. Personal Data Personal Data we may collect from you are as under:
    1. Personal details (e.g. name, 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.
    2. Your details including transaction history, balances, payment details, for effecting transfer of monies through various payment channels provided by us.
    3. Financial details (e.g. income, expenses, and/or credit history) needed as part of request for some of our products/services;
    4. Images of documents/ photos required to avail any of our products/services.
    5. Voice recordings of our conversations with our customer care agent with you to address your queries/grievances;
    6. Employment details (e.g. occupation, positions held, employment history, salary and/or benefits) as part of our record retention for credit/various product evaluations or required under applicable law including Prevention of Money Laundering (Maintenance of Records) Rules, 2005
    7. Specimen signature(s) for processing of your instructions received by us through our various payment and delivery channels;
    8. Opinions provided by you to us by way of feedback or responses to surveys;
    9. 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.
  2. Sharing of your Personal Data Any Personal Data that we have access to shall never be shared without your consent.In various processes / submission of applications / availment of product/service offerings, we even seek your explicit consent to use / share your Personal Data.In our business and operational processes, we only share the data on a partial and “need-to-know” basis to designated personnel or partners or service providers.We will share your data with competent/ legal/statutory/regulatory agencies / authorities or partners/service providers acting on our behalf (as the case may be) in following cases:
    1. Only for enabling the provision of the products/services availed by you, strictly on a “need to know” basis and subject to applicable laws.
    2. It is directed or required by legal/regulatory / statutory / governmental authorities under applicable laws/regulations though a legally obligated request.
    3. It is required by financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations.
  3. Usage of Your 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 applications 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.
    13. External Processing:We may provide your personal information to our affiliates or other trusted businesses or persons or service providers engaged by us, or institutions that we partner with to assist us with providing you with products/services to better serve your needs and interests, based on your instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures. We also use your Personal Data to fulfill the requirements of applicable laws/regulations and/or court orders/regulatory directives received by us.
  4. Cookie Policy
    1. Please note that a “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser.
    2. We may use cookie and tracking technology depending on the features offered.
    3. No Personal Data will be collected via cookies and other tracking technology; however, if you previously provided Personal Data, cookies may be tied to such information.
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