Privacy Policy - myPaisaa

For the purpose of this privacy policy, "We", "Us", "Our", "Company" means Finsave Technologies Private Limited and "You", "Your" and "User" means any person who accesses or uses our website/application.This website is owned and operated by the Company. This Data Policy applies to www.mypaisaa.com, the website("Website") and the 'myPaisaa' Mobile Application ("App"). This Data Privacy Policy describes practices for handling User information collected in connection with the services rendered by this Website and App.

Finsave Technologies Private Limited and their affiliates are committed to protecting and respecting User privacy and providing with the information, options and choices necessary for you to control how we use your information. This Privacy Policy describes how the Website collects and uses personal information to provide services operated by or on behalf of the Website/App. This Privacy Policy is to be read along with the Terms of Use available at https://www.mypaisaa.com/terms-conditions.html.

This Policy Sets Out:

Collection of Information
Usage of information
Promotional Updates and Communications
Information Sharing
Storage of Information
Data Retention
Data Transfers
Amendments to Policy

Collection of Information.
1. The following information may be collected or received by Us:
  1. Direct Sharing of Information by the User: In the course of registering for and availing the various services We provide from time to time through the Website/App.We directly collect information containing User - name,address contact number, emailaddress and the chit fund(s) that are being subscribed to by the User.
  2. You acknowledge that You are disclosing User Information voluntarily. Prior to the completion of any registration process on the Website/App or prior to availing of any services offered on Our website.If You wish not to disclose any Personal Information You may refrain from doing so; however if You don’t provide information that is requested, it is possible that the registration process would be incomplete and/or You may not be able to avail of Our Services.
  3. Information being collected automatically by the Website/App: Internet protocol (IP) address, browser type, mobile device identifier, Internet service provider, operating system, pages that have been visited before and after using the Website, the date and time of visit, information about the links clicked and pages viewed within the Website/App, and other standard server log information may be collected automatically by visiting the Website/App. The Website uses cookiesand similar technologies to automatically collect this information. By using the Website, you consent to the Website's use of cookies and similar technologies.
  4. Device information: The devices used (mobile phones, computers, tablets, etc.) to access Website services such as the hardware models, operation system information, software information and version, file names, language preferences, IP address cookie information, advertising identifiers, browser version, device settings, and mobile network information. The Website may recognise Users devices to provide the User with personalised experiences and advertising across the services available.
  5. Camera & storage: To upload image or photo and proofs related to KYC and document upload.
  6. Location: myPaisaa collects and monitors information about the location of your device for risk assessment.
  7. Phone: myPaisaa collects, monitors, transmits, syncs, and stores specific information about your device including storage, hardware model, operating system and version, unique device identifier, wi-fi information, mobile network information, and information about your device's interaction with our service to uniquely identify the devices, to ensure that unauthorized devices are not able to act on your behalf and to prevent frauds.
  Information Sharing: myPaisaa will not sell or rent your Information to anyone, for any reason, at any time. However, we will be sharing your Information with our financial partners, affiliates and business partners, and the User hereby consents to the same. We will take reasonable steps to ensure that these third-party service providers are obligated to protect your information and are also subject to confidentiality/non-disclosure obligations and they comply with the applicable provisions of the data protection laws.
2. Information received from other sources:
  1. If there is use of any of the other websites or apps we operate, or other services provided by us.
  2. From third parties through whom the User is able to access or register for the services (e.g. where you are able to log in with a Google account).
  3. From third parties that are closely worked with.
3. In case Website/App receives or collects any such data as abovementioned, the User will be informed when such data is being collected and if such data is intended to be shared internally and/or combined with data automatically collected on this Website/App. The purpose of such usage shall also be intimated to the User.
4. The Website/App works closely with third parties (including but not limited to, business partners, sub-contractors in technical, payment services, advertising networks, analytics providers, and search information providers). User will be notified when and if the Website/App receives information about the User from such third parties and the purposes for which Website/App intends to use that information.
5. The User may be given the option to access or register for any and all services through the use of a user name and password (or any other identifier) for certain services provided by third parties (each, an "Integrated Service"), such as through the use of your Google account, accounts with payment systems or wallet providers, or otherwise have the option to authorize an integrated service to provide personal data to the Website/App. By authorizing the Website/App to connect with an Integrated Service, User authorizes Us to access and store User’s personal data that the Integrated Service makes available to the Website/App, and to use and disclose it in accordance with this policy. Please review the terms and conditions of service, terms of use and privacy policies of each integrated service carefully before using their services and integrating with our services. Please check your privacy settings on each integrated device to understand what personal data has been integrated with our services.
6. Depending on the nature of dealings with User and/or the services provided, the Website/App may collect other types of personal data from third parties, including:
  1. personal data relating to any complaints you make or are made about you, including recording of any calls in that regard;
  2. personal data collected and held via financial or payment systems about the payment mechanism or method that you might use (including credit card, debit card, upi details, etc.) and the payments you may make for our services or any services procured or subscribed to using Website and/or App services;
  3. personal data collected by third-party marketing, survey and advertising service providers;
  4. personal data provided to any partners through which User creates or accesses their account for the services, such as employee information provided to companies engaging in our corporate or other services, payment providers, or services integrated with our services, or other websites (such as search engines) with which our services have been integrated;
  5. personal data which is accessible from User use of online sites or applications in which the Website/App has an interest (such as messages for the purposes of issuing and receiving one-time passwords and other device verification) and device-related or device-generated personal data. The latter might include User device details, device IDs, your location, network connections, network access and communication and session data. Location data may also be collected or derived from IP addresses, mobile numbers and network information.
Usage of Information.
1. Information collected by this Website will help enhance the design and implementation of Services on the Website/App. The Services may also use information provided by the User to operate and improve the functionality of the Service. Apart from this, information collected/provided will be used to take steps in order to enter into any contract or carry out service obligations arising from any contract entered into between User and Us, such as:
  1. Administering User account within the site;
  2. Verification of any financial transactions being carried out in relation to payments made through the site and/or the App.
2. Providing information about available goods and services which interests Users for modifying:
  1. Manner of presentation of the Contents from the Site in the most effective way.
  2. Provide information, products and services that are requested from us.
3. Information collected by User from use of Services: We will use information for their legitimate interests, when considered to not be overriding User rights:
  1. To administer the Services and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes.
  2. To keep the Services safe and secure.
  3. For measuring or understanding the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you.
  4. To improve the Services to ensure that content is presented in the most effective manner for you and for your computer.
  5. To allow you to participate in interactive features of our service, when you choose to do so.
4. User Information received from other sources: Website will combine such information with information given by the User and information collected about User for their legitimate interests (where considered that these are not overridden by User rights). Such information along with the combined information shall be used for the purposes as mentioned above.
Promotional Updates and Communications.
1. Website/App will share promotional updates and communications with User consent or, where applicable, in legitimate interest. Where permitted in legitimate interest, Website/App will use User personal information for marketing analysis and to provide the User with promotional update communications by email, telephone, text messages, in-application messages and/or push messages about new products and/or services. Website may also share user personal information with third-party social media and other partner platforms in order to provide you with promotional update communications.
2. The User can object to further marketing at any time through their profile settings or by selecting the "unsubscribe" link at the end of all our marketing and promotional update communications.
3. By using the Website/App and registering yourself, You authorize Us, Our affiliates & Our associate partners to contact You via email or phone call or SMS and offer You their services for the product You have opted for, imparting product knowledge or offer promotional offers, as well as for web aggregation. You authorize Us to contact You for a period of 90 days from Your registration with Us, irrespective of having registered under DND or DNC or NCPR services.
4. Additionally, by registering, You authorize Us to send SMS/email alerts to You for Your login details and any other service requirements or advertising messages/emails from Us. Further when we call you for providing details, you authorize us to record the conversation for Quality and Training purposes.
Sharing of Information.
1. We may share your information with certain third parties as set forth below:
  1. Authorized third-party vendors and service providers. The information shared on this website may be shared with third-party vendors and service providers who support this Website/App, such as by providing technical infrastructure services, business analytics, and data processing who process User personal data on behalf of the website and in accordance with the applicable Data Protection Laws. This includes in supporting the services offered through the site and/or the App for: data hosting services, providing fulfilment services, distributing and communication being sent, supporting or updating marketing lists, facilitating feedback on services and providing IT support services from time to time.
  2. The information may also be shared with the entities that make up the Service Providers ("Partners").
  3. The information may be shared with any member of the group, which mean and include subsidiaries, ultimate holding company and its subsidiaries, who support the processing of personal data under this policy.
  4. Disclosure of information to respond to subpoenas, court orders, legal process, law enforcement requests, legal claims or government inquiries, detect fraud, and to protect and defend the rights, interests, safety, and security of the website, its affiliates, owner, users, or the public at large. Apart from this, if bound under any additional duty to disclose or share User personal data in order to comply with legal obligations or in compulsion of law.
  5. Sharing of information in connection with a substantial corporate transaction, such as the sale of a website, a merger, consolidation, asset sale, or in the unlikely event of bankruptcy that may have already been entered into or will enter into future agreements.
  6. Sharing of information for any other purposes disclosed to you at the time we collect the information and pursuant to your consent for the furtherance of any service being rendered on the Website/App. For instance, if you request for services as a customer, then we will share only such personal information to facilitate and complete the services.
  7. Any access to third-party services, is done through the Website/App to share information about your experience on the Website/App with others; these services are outside the control of the Company. These third-party services may be able to collect information about you, including information about your activity on the Website/App, and they may notify your connections on the third-party services about your use of the Website/App, in accordance with their respective privacy policies.
  8. User Information may also be shared with carefully selected partners who may be specifically of interest to the User to fulfil their requirements. These companies may contact the User by post, email, telephone or fax for marketing or promotional purposes.
  9. We will not sell or rent User Information to anyone other than as specifically noted herein. Notwithstanding the foregoing, We may share, and/or transfer Your User Information to an affiliate and/or associate partner, as agreed by You in the Terms of Use and in accordance with this policy. We will share User Information if We have Your consent or deemed consent to do so or if We are compelled by law (including court orders) to do so.
2. Legal obligations for processing Information: TheWebsite/Apprely on a variety of legal bases to process data, including:
  1. as necessary to fulfil site Terms;
  2. consistent with User consent, which the User can revoke at any time;
  3. as necessary to comply with legal obligations;
  4. to protect Users vital interests, or those of others;
  5. as necessary in the public interest; and
  6. as necessary for Website (or others) legitimate interests, including any interests in providing an innovative personalized, safe and profitable service to User and/or it's partners, unless those interests are overridden by User interests or fundamental rights or freedoms that require protection of personal data.
3. Consent to these terms may be withdrawn at any time. Such withdrawal of consent will not affect the lawfulness of processing based on consent before its withdrawal.
4. Under applicable laws, and in accordance to this policy User has the:
  1. Right to access, rectify, port, and erase the information collected by the website,
  2. Right to restrict and object to certain processing of User information.
  3. Right to withdraw consent- where the processing of User personal information by Website is based on consent, User has the right to withdraw without detriment at any time.
  4. Right to object to and restrict certain processing of data which includes- the right to object to processing of their data for direct marketing, which you can exercise by contacting info@mypaisaa.com
  5. Right to object to processing of their data where the Company is performing a task in the public interest or pursuing their own legitimate interests or those of a third party, and
  6. Right to opt out at any time from allowing further access to User personal information and apply to delete the personal information stored with Website.
5. User may delete their information at any time by contacting info@mypaisaa.com. All information collected by the Website such as information from cookies and information collected with consent under this Policy shall be deleted.
Storage of Information.
1. Data Storage: User acknowledges and agrees that all information, content and data entered into the website and/or application will be securely stored by the Website/App at designated data centres. We shall use physical and technical security measures to protect User Data, including, but not limited to, encrypted data connections to designated data centers, encrypted data storage, firewalls, and electronic surveillance of designated data centers. We have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information We collect online.
2. Payment: Payment details provided by the User will be encrypted using secure sockets layer (SSL) technology before they are submitted to the Website over the internet. Payments made on the Website/App are made through Website payment gateway provider Hypto, a data processing and payment firm. User will be providing credit or debit card information directly to Website payment gateway provider, who operate secure servers to process payment details, encrypting User credit/debit card information and authorising payment(s). Information which you supply to Website payment service providers is not within Website control and is subject to the respective providers’ own privacy policy and terms and conditions.
3. Security Disclosure: The security of User Personal Information is important to us;However, User understands that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Data Retention.
1. The Website/App shall retain the personal data for:
  1. as long as user has an account on the Website/App in order to meet contractual obligations to the User;
  2. for a period of 3 (three) months after termination of services or closure of account by User in order to identify any issues and resolve any legal proceedings. The information can be retained for other legal or regulatory requirements.
2. We may also retain information beyond this time for research purposes and to help us develop and improve our services with prior permission and intimation.
3. The Website/App generally retains information until it is no longer necessary to serve the purposes for which it was collected.
Data Transfers.
1. Standard contract clauses are used as approved as per applicable laws of the territory of service, for data transfers from one country to another.
Amendments to Policy.
1. Any changes made to this policy in future will be posted on this page and, in relation to any substantive changes, the User shall be notified by e-mail. We encourage you to periodically review this policy for other latest information on our privacy practices.
2. This policy was last updated on 21/03/2023.