application, (collectively referred as website/App) you expressly give us consent to use & disclose your personal
please do not use or access website/App.
The terms “We” / “Us” / “Our” individually and collectively refer to each entity being part of the definition and the terms “You” / “Your” / “Yourself” refer to the users.
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
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
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:
- to facilitate the transactions or report on these transactions;
- to undertake research and analytics for offering or improving our products/services and their security and service quality;
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;
- to share with you, updates on changes to the products/services and their terms and conditions;
- to take up or investigate any complaints/claims/disputes;
- to respond to your queries or feedback submitted by you;
- to verify your identity for us to provide products/services to you;
- to carry credit checks, screenings or due diligence checks as lawfully required by us;
- to monitor and review products/services from time to time;
- to undertake financial/regulatory/management reporting, and create and maintain various risk management models;
- for conducting audits and for record keeping purposes;
- for selective offers and promotions.
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
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.
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.
We may disclose personal information if required to do so by law or in the good faith belief that such disclosure is reasonably
necessary to respond to subpoenas, court orders, or other legal process. We may disclose personal information to law enforcement offices,
third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce our Terms or
the rights, property or personal safety of our users or the general public.
We and our affiliates will share / sell some or all of your personal information with another business entity
should we (or our assets) plan to merge with, or be acquired by that business entity, or re-organization,
amalgamation, restructuring of business. Should such a transaction occur that other business entity
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.
- 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.
- We may use cookie and tracking technology depending on the features offered.
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.
Links to other websites
Our website may contain links to other websites which are not maintained by us.
Reasonable Security Practices and Procedures
We take various steps and measures to protect the security of your Personal Data from misuse, loss, unauthorised access,
modification or disclosure. We use latest secure server layers encryption and access control on our systems.
Our safety and security processes are audited by a third party cyber security audit agency from time to time
We have provided multiple levels of security to safeguard your app by Login/Logout option and AppLock feature that can be enabled
by you. We also ensure the device binding so that the same login cannot be used on different device without any additional
authentication/OTP. Please do not share your App login, password and OTP details with anybody. Choice/Opt-Out
We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications
from us on behalf of our partners, and from us in general, after setting up an account.
If you want to remove your contact information from all lists and newsletters, please click on the unsubscribe button on the emailers..
By using the app and/ or by providing your information, you consent to the collection and use of the
aware of what information we collect, how we use it, and under what circumstances we disclose it Grievance Officer
In accordance with Information Technology Act 2000 and rules made there under, the name and contact details of the
Grievance Officer are provided below: