Privacy Policy

Introduction:

This Privacy Policy applies to the use of Finjinn application available on mobile platforms owned by Paybooks Technologies India Private Limited and any other linked pages, websites, products, software(s), API keys, features, or content in connection therewith, offered from time to time by Finjinn, collectively referred to as “Finjinn”. The terms “WE”, “OUR” and “US” refers to Finjinn and “YOU”, “YOUR”, “USER” refers to you, as a user of Finjinn. The term “PERSONAL INFORMATION” means any information that you provide to us which personally identifies you to be contacted or identified, such as your name, phone number, email address, and any other data that is tied to such information. Our practices and procedures in relation to the collection and use of Personal Information and sensitive personal data or information have been set-out below in order to ensure safe usage of the application for you.

We have undertaken security practices and procedures that are commensurate with the information assets being protected and in accordance with the nature of our business. While we try our best to ensure that your information is safe with us, because of the inherent vulnerabilities of the internet, we cannot ensure or warrant complete security of all information that is being shared by you to us. By agreeing to use the services provided by this application, you 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 or sensitive personal information or data in the manner set out herein below. If you do not agree with these terms, you will not be able to use the application.

It is further clarified that this Privacy Policy should be read along with the Terms and Conditions that are provided separately. You may opt to not provide us with certain information, however that will restrict you from registering with us or availing some of our features and services.

We only collect information that is necessary to fulfil the purposes identified below. If we use or plan to use your information in a manner different than the purpose for which it is collected, then we will ask you for your consent prior to such use. Where we rely on your consent as the legal basis, you have the right to withdraw your consent at any time, but this will not affect any processing that has already taken place.

The Personal Information and the sensitive personal information or data collected will be used for the purpose of enabling you to use the services provided by us, to help promote a safe service, calibrate consumer interest in our products and services, inform you about online offers and updates, troubleshoot problems, customize User experience, detect and protect us against error, fraud and other criminal activity, collect money, enforce our terms and conditions, and as otherwise described to you at the time of collection of such information.

You hereby acknowledge that Finjinn is not responsible for any intercepted information sent via the internet, and you hereby release us from any and all claims arising out of or related to the use of intercepted information in any unauthorized manner.

A. Information Provided by You That We Collect:

1. Account Sign-up: When you sign up for an account to access our services, we ask for and record Personal Information like your name, contact number, email address, company name and country to complete the account signup process. We may collect and store your sensitive personal data or information such as any financial information including inter alia credit card, debit card details, bank account and know your customer (“KYC“) documents as per RBI regulations and any other information as may be applicable. When you submit your card information or other payment account information, we may, and the payment gateway provider stores the name, address of the cardholder and the expiry date. We store your card information or other payment information in an encrypted format in the secured servers of our Payment Gateway Service Providers. You will also be required to choose a unique username and a password for accessing the created account. You may also provide us with optional information such as your photo but we don’t require that information to sign up for an account. You can also delete or change your optional profile information. You can always choose not to fill in non-mandatory fields when you submit any form linked to our websites. As a registered Finjinn User, you can modify some of your Personal Information and your privacy preferences by accessing the “Account/Profile” section of this Website.
2. Other submissions: We record information that you submit when you (i) subscribe to our newsletter or any other mailing list, (ii) submit a form in order to download any product other materials, (iii) respond to surveys, or (iv) submit a form to request customer support or to contact Finjinn for any other purpose. You may unsubscribe from receiving newsletters and other non-essential messages. We will continue to send you notices and essential transactional emails/messages.
3. Testimonials: If you authorise us to post your testimonials about our products and services, we may include your name and other personal information in the testimonial. You will be given an opportunity to review and approve the testimonial before we post it. If you wish to update or delete your testimonial, you can contact us at care@finjinn.com.
4. Feedback: If you contact us to provide feedback, register a complaint, or ask a question, we may record and analyse any Personal Information and other content that you provide in your communication so that we can effectively respond to your communication.

B. Information Collected Automatically:

1. When you visit our application, we collect information that web browsers, mobile devices and servers make available, including the internet protocol (IP) address, browser type, language preference, time zone, referring URL, date and time of access, operating system, mobile device manufacturer and mobile network information. We include these in our log files to understand more about visitors to our websites.
2. We may use cookies and other tracking technologies to collect and store your information and improve your experience. We may use these technologies to deliver advertising that is relevant to your interests, marketing, audience targeting, cross device recognition, performance and analytics, security and authentication, account and User preference storage. You can disable cookies, however, if you do so, you may not be able to use certain features of the application properly.
3. We collect information about your use of our products, services and mobile applications from application logs and in-house usage analytics tools, and use it to understand how your business use and needs can improve our products. This information includes clicks, scrolls, features accessed, access time and frequency, errors generated, performance data, storage utilized, user settings and configurations, and devices used to access and their locations.

C. Social Media Log-In

Finjinn may provide its Users the option of using their existing social media accounts on Facebook, Instagram, Twitter, LinkedIn, etc. to create a Finjinn account. Due to this, we may receive certain profile information about you from your social media provider. The information may differ depending on the social media provider but it may include your name, e-mail address, friends list, profile picture as well as other information you choose to make public. We will use the information we receive for the purposes that are described in this privacy policy or that are otherwise made clear to you on the site or otherwise. Please note that we do not control, and are not responsible for, other uses of your personal information by your third party social media provider.

D. Information Collected from Third Parties

We may collect publicly available information like profile information when you engage with us on social media sites such as Facebook, Twitter, Instagram through posts, comments, likes, shares, and any other interactions. We may collect publicly available information to connect with you, understand user behaviour, reactions and issues, thus, utilising this information to improve our products. Finjinn may also add and update information about you, from other publicly available sources.

E. Legally Why We Collect and Use Information

Most of our information collection and processing activities are typically based on (i) contractual necessity, (ii) one or more legitimate interests of Finjinn or a third party that are not overridden by your data protection interests, or (iii) your consent. In certain situations, we may be legally required to collect your information, or may need your personal information to protect your vital interests or those of another person.

F. Who We Share Your Information With:

We share your information only in the ways that are described in this Privacy Policy, and only with parties who adopt appropriate confidentiality and security measures.

1. mployees and independent contractors:E Employees and independent contractors of Finjinn have access to the information on a need-to-know basis. All employees and
   independent
   contractors of Finjinn follow this Privacy Policy for Personal Information or sensitive personal information or data that we share with them.
2. Third-party service providers: We may need to share your Personal Information and aggregated or de-identified information with third-party service providers that we engage, such as marketing and advertising partners, event organizers, web analytics providers and payment processors. These service providers are authorized to use your Personal Information or sensitive personal information or data only as necessary to provide these services to us.

G. Retention of Information

We retain your Personal Information and sensitive personal information or data for as long as it is required for the purposes stated in this Privacy Policy. Sometimes, we may retain your information for longer periods as permitted or required by law or for internal purposes, such as to maintain suppression lists, prevent abuse, if required in connection with a legal claim or proceeding, to enforce our agreements, for tax, accounting, or to comply with other legal obligations. When we no longer have a legitimate need to process your information, we will delete or anonymize your information from our active databases. We will also securely store the information and isolate it from further processing on backup discs until deletion is possible.

H. Transfer of Information

We may sell your Personal Information and sensitive personal information or data or de-identified information with third parties with your express consent. We also share your Personal Information to financial institutions such as banks, RBI or other regulatory agencies (as may be required). We may share your Personal Information with our parent company, subsidiaries, joint ventures, or other companies under a common control (collectively, the “Affiliates“) that we may have now or in the future, in which case we will require them to honour this Privacy Policy. If another company acquires our company or our assets, that company will possess your Personal Information and sensitive personal information or data, and will assume the rights and obligations with respect to that information as described in this Privacy Policy. We may disclose your Personal Information sensitive personal information or data to third parties in good faith that such disclosure is reasonably necessary to (a) take action regarding suspected illegal activities; (b) enforce or apply our terms and conditions and Privacy Policy; (c) comply with legal process, such as a search warrant, subpoena, statute, or court order; or (d) protect our rights, reputation, and property, or that of our Users, Affiliates, or the Public. Please note that we are not required to question or contest the validity of any search warrant, subpoena or other similar governmental request that we receive.

I. Intellectual Property

We own all the intellectual property rights associated with Finjinn and its contents. No right, title or interest in any downloaded material is transferred to you as a result of any such downloading or copying. Finjinn is protected by copyright as a collective work and/ or compilation (meaning the collection, arrangement, and assembly) of all the content on this Website or application, pursuant to applicable law. Our logos, product and service marks and/ or names, trademarks, copyrights and other intellectual property, whether registered or not are exclusively owned by us. Without our prior written permission, you agree to not display and/ or use our IP in any manner. Nothing contained in this application or the content, should be construed as granting, in any way to the User, any license or right or interest whatsoever, in and/ or to our IP, without our express written permission.

J. Minor’s Personal Information

Our products and services are not directed to individuals under the age of 18. Finjinn does not knowingly collect personal information from individuals who are under 18 years of age. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information. If you believe that a child under 18 years has provided personal information to us, please write to [•] with the details, and we will take the necessary steps to delete the information we hold about that child.

K. External Links on Our Websites

References on this application to any names, marks, products or services of third parties or hyperlinks to third party websites or information are provided solely for your convenience and do not in any way constitute or imply our endorsement, sponsorship or recommendation of the third party, information, product or service. Except as set forth herein, we do not share your Personal Information or sensitive personal information or data with those third parties, and are not responsible for their privacy practices. We suggest you read the privacy policies on all such third-party websites.

L. Blogs

We offer publicly accessible blogs on our Website and application. Finjinn is not responsible if you elect to disclose any Personal Information on the blog publicly. Your posts and certain profile information may remain even after you terminate your account with us. To request the removal of your information from our blogs and forums, you can contact us at care@finjinn.com.

M. Social Media Widgets

Our websites include social media widgets such as Facebook “like” buttons and Twitter “tweet” buttons that let you share articles and other information. These widgets may collect information such as your IP address and the pages you navigate in the website, and may set a cookie to enable the widgets to function properly. Your interactions with these widgets are governed by the privacy policies of the companies providing them.

N. Disclosures in Compliance with Legal Obligations

We may be required by law to preserve or disclose your Personal Information sensitive personal information or data and other data to comply with any applicable law, regulation, legal process or governmental request, including to meet national security requirements.

O. Enforcement of Our Rights

We may disclose Personal Information or sensitive personal information or data and other data to a third party if we believe that such disclosure is necessary for preventing fraud, investigating any suspected illegal activity, enforcing our agreements or policies, or protecting the safety of our users.

P. Compliance with This Privacy Policy

We take your privacy seriously and take every effort to ensure that personal information you provide is used in conformity with this Privacy Policy. If you have any concerns about our adherence to this Privacy Policy or the manner in which your personal information is used, kindly write to us care@finjinn.com. We will contact you and address your concerns.

Q. Notification of Changes

We may modify the Privacy Policy at any time, upon notifying you through a service announcement or by sending an email to your primary email address. If we make significant changes to the Privacy Policy that affect your rights, you will be provided with at least 30 days’ advance notice of the changes by email to your primary email address. Your continued use after the effective date of changes to the Privacy Policy will be deemed to be your agreement to the modified Privacy Policy. You will not receive email notification of minor changes to the Privacy Policy, we urge you to periodically check the Privacy Policy for any changes. Please note that at all times you are responsible for updating your Personal Information, including to provide us with your most current e-mail address. If you are concerned about how your personal information is used, write to us at care@finjinn.com.

R. Applicable Law

Your use of this Website and application will be governed by and construed in accordance with the laws of India. The Users agree that any legal action or proceedings arising out of your use may be brought exclusively in the competent courts/ tribunals having jurisdiction in [•] in India and irrevocably submit themselves to the jurisdiction of such courts/ tribunals.

S. Complaints and Grievance Redressal

Any complaints or concerns in relation to your Personal Information or content of this application or any dispute or breach of confidentiality or any proprietary rights of User during use of the application or any intellectual property of any User should be immediately informed to the Grievance Officer at the contact information mentioned below in writing:

Paybooks Technologies India Private Limited, 2nd Floor, Samrah Plaza, St Marks Road, Shanthala Nagar, Ashok Nagar, Bengaluru, Karnataka, India – 560001