This Privacy Policy (“Policy”) governs the manner in which IGS Digital Center Limited (the“Company” or “We”) collects, gains access to, uses, maintains and discloses information including personal information of the users (each, a “User”) of various services (“Services”) provided by the Company, either through the website of the Company or through mobile applications or network telecom operators. 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 Service, you are expressing your agreement to this Policy and the processing of your information, including your personal information, in the manner provided in this Policy. If you do not agree to these terms, please do not use the Service and do not provide the permissions when specifically asked by the Company.

 

What do 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. This information may relate to and include but is not limited to your name, email address, address, phone number, unique device ID (persistent/non persistent), hardware type, international mobile equipment identity (“IMEI”), the version of your operating system (“OS”), your device name, your email address , and your location (based on your Internet Protocol (“IP”) address), 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 the server about the app downloaded/installed by our mobile application), 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) [hereinafter referred to as “Personal Information”]. Users can always refuse to supply Personal Information, however, it may prevent them from engaging in certain Services-related activities.

 

Types of information we collect

We may collect following information from you, as you have disclosed to us:
1. Personal details (e.g. name, contact details including, residential address, documents such as Aadhaar details / PAN , and etc) 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. Information obtained from your mobile device by way of using our app like device location, communication information including phone number, contacts , device information (including storage, model, IMEI, Network Carrier information), transactional and promotional SMS/app notificati

 

 

What do we do with the Personal Information we gather?

We may use your Personal Information to:

 

• Administer the Services.
• Personalize the Services for the User.
• End-to-User direct links to the Services.
• Process transactions.
• Process installation.
• Send Users our newsletter.
• Develop, deliver, and improve our products, services, content, and advertising.
• Send important notices, such as communications about purchases/downloads and
• changes to our Policy.
• Auditing, data analysis, and research to improve the Services.
• Troubleshooting and helping us to understand usage trends.
• Send alerts to the User.
• Marketing and promotion of the Services.

 

Usage of your Personal Data

We use your Personal Data in our business activities for providing 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 requirements 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 including platform’s 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;
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. To comply with the requirements of applicable laws / regulations and / or court orders / regulatory directives received by us;

 

 

Collection and use of non-personal information

 

We may collect non-personal information about Users whenever they use and interact with the Services. Non-personal information may include the browser name, the type of computer and technical information about means used by the User to connect to our Services, such as the information about the operating system and the Internet service providers utilized and other similar information.

 

This information is aggregated and used to help us provide more useful information to the User and to understand which part of the Services, its products and services are of most interest.

 

If we do combine non-personal information with Personal Information, the combined information will be treated as Personal Information for as long as it remains combined.

 

Sharing of information with Authorities

 

We may share Personal Information as well as non-personal information of the User with the courts, police authorities or any other government/regulatory/statutory authority, in case these are required by them in relation to any proceedings pending before them.

 

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.

 

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.

 

How do 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 analyse 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 Users’ behaviour, tell us which parts of the Services Users have visited and facilitate 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 local law, we also treat these identifiers as Personal Information.

 

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our Services in order to tailor them to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

 

Overall, cookies help us provide Users with a better experience of the Services, by enabling us to monitor which pages Users find useful and which 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 prefers.

 

This may prevent the User from taking full advantage of the Services.

 

Retention of Personal Information

 

We will retain the User’s Personal Information for the period necessary to fulfil 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 behalfs, 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’ own terms and policies.

 

Changes to this privacy policy

 

The Company has the discretion to update this Policy at any time. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the Personal Information we collect. The user acknowledges and agrees that it is his/her responsibility to review this Policy periodically and become aware of modifications.

 

User acceptance of these terms

 

By using the Services, the User signifies his/her acceptance of this Policy. If the User does not agree to this Policy, please do not use the Services. User continued use of the Services following the posting of changes to this Policy will be deemed User acceptance of those changes