Privacy Policy |
This Privacy Policy governs the manner in which KPH Finnovate Solutions Pvt Ltd ("the Company" or "We") collects, gains access to, uses, maintains, store, transfer/ share and discloses information including personal or sensitive personal data or information of the users (each, "a User" or "You/ you" or "Your/ your or "Customer") of various services rendered by the Company (Services") either through the portal website of the Company or through mobile applications (collectively referred to as Platform). Please note that the scope of this Policy is limited to the aforesaid information collected or received by the Company through your use of the Services. By using the Services, you are expressing your agreement to this Policy and the processing of your information, including your Personal information and non-personal information, in the manner provided in this Policy. If you do not agree to these terms, please do not use the Services and do not provide the permissions when specifically asked by the Company.
All the terms and conditions/policies in respect of the Services provided by the Company (as set out in the Terms and Conditions or any other policies of the Company) are incorporated in this Policy by reference. The Policy seeks to comply with the provisions of the Information Technology Act, 2000 (Act") and the information Technology (Reasonable security practices, procedures and sensitive personal data of information) Rules, 2011 (Rules).
What we collect?
We may collect and/or gain access to and/or record certain information including personal information from or of User in a variety of ways. including, but not limited to, when User access and uses the Services and in connection with other activities, services, features or resources we make available on the Services. These information may relate to and include but not limited to your name, date of birth, gender, father name, mother name, marital status, email address, address (including PIN code, city, state, residence type), phone number (including alternative mobile number, reference mobile number, reference person name), your unique device ID (persistent/non-persistent), photograph/ selfie, your KYC details/documents, business details/documents (including business address), PAN Number, GST details (including extracting of GST from PAN or from GST Number), hardware type, international mobile equipment identity (IMEI), the version of your operating system (OS) your device name, your email address (if you have connected to Facebook or Google+), and your location (based on your Internet Protocol (IP address) (including demographics (LAT LONG) on various stages, applications installed by User through our mobile application, applications uninstalled by User, all other applications installed by User on his/her device, foreground running apps/process (RUN event, We update server about the app downloaded/installed by our mobile application), SMS data and read SMS, network information, User behaviour analysis, demographic information (such as preferences and interests etc), Credit/Debit Card information of User for Internet banking (We do not store credit/debit card information on our servers), credit or affluence related information or assessment and/or documents, user selected offer, bank statement (upload or net banking), personal bank account numbers and bank account data/ details including e-nach, NEFT, IMPS,UPI ID details, salary and income details. Users can always refuse to supply Personal Information; however, it may prevent them from engaging certain Services related activities.
What we do with the Personal Information we gather?
We may use your Personal Information to:
Marketing and promotion of the Services
Security
We are committed to ensuring that the User's Personal Information is secure. We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of the User's Personal Information, username, password, transaction information, and data stored in our Services/eco-system.
When a User uses Services and products offered by us through the Services, the Personal Information shared by the User is visible to the other users and can be read, collected, or used by them. The User is responsible for the Personal Information User chooses to submit in these instances. For example, if the User lists his/her name and email address in a blog/forum posting, that information is public. Users are requested to take care when using these features.
Retention of Personal
We will retain User's Personal Information for the period necessary to fulfill the purposes outlined in this Policy unless a longer retention period is required or permitted by law.
Sharing Personal Information
We may use third-party service providers to help us operate our business and Services or administer activities on our behalf, such as sending out newsletters or surveys. We may share the User's Personal Information with these third parties for those limited purposes.
Third party websites
Users may find advertising or other content on the Services that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control the content or links that appear on these sites and services and are not responsible for the practices employed by those websites and services linked to or from our Services. In addition, these sites and services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites and services which have a link to the Services, is subject to that website and services' terms and policies.
How we use cookies?
A cookie is a small file which asks permission to be placed on the User's desktop/laptop/mobile device's memory drive. Once the User agrees, the file is added and the cookie helps analyze web traffic. Cookies allow services to respond to the User as an individual. The services can tailor its operations to the User's needs, likes and dislikes by gathering and remembering information about the User's preferences.
Cookies help us better understand User's behavior, and tell us which part of the services Users have visited and facilitates and measure the effectiveness of products and services offered by us. We treat information collected by cookies and other technologies as non-personal information. However, to the extent that internet protocol (IP) addresses or similar identifiers are considered Personal Information by applicable law, we also treat these identifiers as Personal Information.
We use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our service order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from
KPH Finnovate Solutions Pvt Ltd Overall, cookies help us provide User with a better experience of KPH Finnovate Solutions Pvt Ltd, by enabling us to monitor which pages Users Find useful and which the Users do not. A cookie in no way gives us access to the User's desktop/laptop/mobile device or any information about the User, other than the data a User chooses to share with us.
A User can choose to accept or decline cookies. Most web browsers automatically accept cookies, but a User can usually modify its browser setting to decline cookies if the User prefer. This may prevent the User from taking full advantage of the services.
Advertising
Advertisement appearing on the KPH Finnovate Solutions Pvt Ltd may be delivered to the User by advertising partners, who may set cookies. These cookies allow the ad server to recognize the User computer each time they send the User an online advertisement to compile non-personal information about the User or others who use the User computer. This information allows advertisement networks to, among other things, deliver targeted advertisements that they believe will be of most interest to the User. This Policy does not cover the use of cookies by any advertisers.
User acceptance of these terms
By using the Services, you hereby agree and acknowledge to be bound by this Privacy Policy and you hereby consent that we will collect, use, process and share your Personal Information and non-personal information in the manner set out herein above. If you do not agree with these terms, please do not the Services. Your continued use of the Services after any change/ amendment to this Privacy Policy shall be made available on the website. Users and business associates are requested to keep check on the same.