Section 43A of the Information Technology Act, 2000 (“IT Act”);
Rule 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (“SPDI Rules”); and
Regulation 3(1) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 (“Intermediary Guidelines”).
If you are accessing or using our Services or the Website/App from an overseas location, you do so at your own risk, and shall be solely liable for compliance with any applicable local laws.
1. What type of Personal Information do we collect?
Information collected from you
We strive to only collect Personal Information that is adequate, relevant, and limited to achieve the purpose(s) for which it was collected. If you are a user visiting our Website/App, visiting our premises or any of our office locations or availing our Services, you understand that certain personal information in the nature of name, email address, phone number, residential address, designation, location, etc. may be collected from you. We may also collect certain sensitive personal data or information (“SPDI”) such as Pancard, Aadhaar and financial information including bank account details to check the credit worthiness to onboard for invoice financing and any other information from you.
We may also collect Personal Information that you provide to us on our Website/App, register with us for availing the Services, inquire about our Services, post feedback, participate in any online survey, interact with us on social media, fill out any contact forms for us to assist you on the request raised by you, provide it to us directly such as through business interactions with you or when you visit one of our locations. For example, if you visit our office premises, we may ask that you provide us your first and last name, business association, and email address in order to identify you as a visitor.
Information collected through a User of Services
We may collect Personal Information when you avail our Services and schedule a delivery to an individual or an organization and provide us with such individual or company representative’s contact information such as name, email address, phone number and residential address.
Information collected automatically
Cookies and other tracking technologies
At all times, you may refuse all cookies on your browser by changing your settings to the extent permissible on your device. However, by doing so, you may not be able to use certain features on the Website/App or take full advantage of all the offerings and interest-based advertising.
If you permit us to access information about your location (including general location information derived from the network you use to access the Services), we collect the precise or general location information provided by your device to appropriately tailor certain regional settings, such as preferred language.
Personal Information and Sensitive Personal Data or Information
Information from other sources
We receive and store certain types of information whenever you interact with us. For example, we obtain certain types of information when your web browser accesses the Website/App and other content served by or on behalf of us on other websites: OS type and version, device brand, browser and its version details, etc. We may also receive information about you that is publicly available or from such third parties who the Company partners with.
We may collect information from third-party sources, including our service providers, through your interactions with us on social media, through industry, marketing, or trade associations events, and through public agencies.
In addition, if you choose to interact with us or our partners on social media by posting to our pages, tagging us (or using certain hashtags or other identifiers) in posts, or participating in activities, we may collect Personal Information from the social media account you use to interact with us, including the name associated with the account, the account handle, recent activity, the content of any posts in which we are tagged, and other information that may be contained on your social media profile to allow us to respond to the posts and understand and engage with our audience.
2. How do we use the Personal Information we collect?
We use the Personal Information including SPDI we collect to provide our Services to you and make them more effective. We may also use your Personal Information and SPDI for the following purposes:
to provide and improve our Services;
to analyze user activity on the Website/App and understand user preferences in order to improve the functionalities on the Website/App and improve our Services;
for analytical and statistical purposes;
for non-targeting reasons such as frequency capping, compliance, information reporting or delivery, market research or product development purposes;
to conduct audits and quality assessment procedures;
to screen for potential risk and fraud, and more generally to improve and optimize our Website/App (for example, by generating analytics about how our users browse and interact with the Website/App, and to assess the success of our marketing and advertising campaigns);
to investigate, prevent, or take action regarding illegal activities or situations involving potential threats to the safety of any person including that of our employees, safety of the Company’s assets, violations of our Terms, or as otherwise required by law;
to identify the sender and handle your requests and to otherwise communicate with you;
when in line with the preferences you have shared with us, provide you with information or advertising relating to our services, newsletters and other marketing content;
for direct marketing content to users through various channels, including via e-mail, MMS/SMS or by phone. Such actions are taken by the Company only if you have given your consent, which may be withdrawn at any time;
in some cases, to carry out direct marketing via traditional mail. You will be informed separately about the intention to conduct this type of marketing;
to support our relationship with you and the business with which you are associated, including customer or technical support services, and accounting and billing services;
to request feedback;
to establish and pursue claims or defend against claims;
to comply with applicable law; or
for any other purposes that are permissible under applicable law,
3. How do we share your Personal Information?
Our Legal obligations: We may release your Personal Information including SPDI when we believe in good faith that such release is appropriate to comply with applicable law including to: (i) conform to legal requirements or comply with legal processes; (ii) protect rights or property of affiliated companies; (iii) prevent a crime or in interest of national security; or (iv) protect personal safety of our users or the public. We may also disclose your Personal Information or SPDI to enforce or apply our Terms and other agreements; or protect the rights, property or our safety, safety of our users or others. This includes exchanging information with other companies, organisations, government or regulatory authorities for fraud protection and credit risk reduction.
Transfer to affiliates of the Company, third parties and outside India: Subject to applicable law, we may at our sole discretion, transfer Personal Information and SPDI to any other body corporate (as defined under the Information Technology Act, 2000) or a person that ensures at least the same level of data protection as is provided by us under the terms hereof, located in India or any other country. By using the Website/App or our Services, you accept the terms hereof and hereby consent to us sharing with and/or processing of your Personal Information and SPDI by our group companies, affiliates, service providers, consultants, or third parties, including in any location outside India, provided that they ensure that your SPDI is protected in compliance with standards that are comparable to the standards of protection afforded to it in India.
You may choose to not provide us with any or all information, but in the event that you do so, we may be unable to provide you with our Services or modify the nature of our relationship with you.
4. How do we protect your Personal Information?
5. Retention of your Personal Information and SPDI
6. Your rights concerning your Personal Information and SPDI:
Withdrawing your consent
At any time, you may give or withdraw your consent to us for collecting and processing your Personal Information, including in the manner and for the Purposes. You may withdraw or limit your consent at any time by contacting us at firstname.lastname@example.org. We may, however, reserve the right to retain and store your Personal Information for our business purposes, whether such Personal Information has been deleted or not, to the extent permitted by law.
Please note that your withdrawal of consent may result in us not being able to provide you with the Services or terminate any existing relationship that we may have with you.
b. Information about and access to your Personal Information.
You may review, correct, update and change the information that you have provided to us, at any point by writing to us at email@example.com. Should you choose to update your Personal Information or SPDI or modify it in a way that is not verifiable by us, or leads to such information being incorrect, we will be unable to provide you with access to our Website/App or the Services. We reserve the right to verify and authenticate your identity and your Personal Information in order to ensure that we are able to offer you all our Services. We can only keep your Personal Information up-to-date and accurate to the extent you provide us with the necessary information. It is your responsibility to notify us of any changes in your Personal Information. Access to or correction, updating or deletion of your Personal Information or SPDI may be denied or limited by us if it would violate another person’s rights and/or is not otherwise permitted by applicable law.
You should be aware that some of the Personal Information that may have been shared on third-party websites may still continue to be available as we do not have control over these websites. Your Personal Information may also appear in online searches. Other Personal Information that you have shared with others, or that other users have copied, may also remain visible. You should only share Personal Information with people that you trust because they will be able to save it or re-share it with others, including when they sync the Personal Information to a device.
7. Data provided on Third-Party Links
Our Website/App may include hyperlinks to various external websites, and may also include advertisements, and hyperlinks to applications, content or resources (“Third-Party Links”). We have no control over such Third-Party Links, which are provided by persons or companies other than us. You acknowledge and agree that we are not responsible for any collection or disclosure of your information by any external sites, applications, companies or persons thereof. The presence of any Third-Party Links cannot be construed as a recommendation, endorsement or solicitation of any material or content on such Third-Party Links, or any other material on or available via such Third-Party Links.
You further acknowledge and agree that we are not liable for any loss or damage which may be incurred by you as a result of the collection and/or disclosure of your information via Third-Party Links, as a result of any reliance placed by you on the completeness, accuracy or existence of any advertising, products services, or other materials on, or available via such Third-Party Links. This will include all transactions, and information transmitted therein, between you and any such third-party sites or applications or resources, such transactions are strictly bi-partite. We shall not be liable for any disputes arising from or in connection with such transactions between you and the aforementioned third parties.
8. Children’s privacy
Use of the Website/App or our Services is available only to persons who can form a legally binding contract under the Indian Contract Act, 1872. If you are under 18 years of age, then please do not use or access the Service(s) at any time or in any manner. If you are a parent or guardian and discover that your child under 18 years of age has visited the Website/App or otherwise accessed the Service, then you may alert us at firstname.lastname@example.org and request that we delete that child’s Personal Information from our systems.
We do not knowingly collect Personal Information or SPDI from users who are less than 18 years of age. Upon discovery of any Personal Information of any child, we shall purge such Personal Information in accordance with applicable law.
9. Grievance redressal and contact us
Attn: Firoz Pasha
Grievance Officer Contact details: email@example.com
We shall endeavour to resolve your grievances within 30 (thirty) days from the date of receipt of such grievance.
Indemnity: You agree and undertake to indemnify us in any suit or dispute by any third party arising out of disclosure of information by you to third parties either through our Website/App or otherwise and your use and access of websites, applications and resources of third parties.
Limitation of Liability: The Company shall not be liable for any consequential, incidental, special, indirect, exemplary or punitive damages, or damages for any loss of profits, revenue or business, regardless of the nature of the claim, even the Company has been notified of the possibility of such damages.