This Privacy Policy (“Policy”) governs the manner in which Tapipe Fintech Private 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. Your Privacy is of utmost importance to us and protection of your Personal Data is a key commitment for us. 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. These information may relate to and include but not limited to your name, email address, address, phone number, your 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 (if you have connected to Facebook or Google+), and your location (based on your Internet Protocol (“IP”) address), contact list (on your mobile phone), 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), 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. Monitoring and reviewing services from time to time 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. 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. 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.
A cookie is a small file that 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 User’s behaviour, and tell us which parts 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 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 it 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 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 prefers. This may prevent the User from taking full advantage of the Services. Sharing of information with Authorities The Personal Information of the Users is shared as allowed under applicable laws, after following due diligence, assessing the recipient’s privacy policies and practices, and in line with the purposes set out in this policy. Personal Information is shared only after a contractual obligation is imposed on the recipients to adhere to similar or no less stringent privacy practices of Tapipe Fintech Private Limited.
We may share your Personal Information in the course of your transaction with different categories of recipients such as business partners, service providers, merchants, affiliates, associates, subsidiaries, legally recognized authorities, regulatory bodies, financial institutions, internal teams such as marketing, security, investigation team etc.
Personal Information will be shared, as applicable, on need-to-know basis, for the following purposes:
• For enabling the provision of the services availed by you and facilitating the services between you and the service provider, as requested • for complying with applicable laws as well as meeting the Know Your Customer (KYC) requirements as mandated by various regulatory bodies, whose regulated service/product you opt through our services/Platforms
• For completing a payment transaction initiated by you on a merchant site, where based on your instructions, the merchant requests to fetch your Personal Information from us
• For the purpose of processing your financial product subscription requests placed with us and ensuring that these requests reach the relevant financial institution whose service/product you have opted for • if it is required by financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations
• For services related to communication, marketing, data and information storage, transmission, security, analytics, fraud detection, risk assessment and research
• Enforce our Terms or Privacy Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the general public
• If required to do so by law or in good faith we believe that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process
• With the internal investigation department within Tapipe Fintech Private Limited. or agencies appointed by Tapipe Fintech Private Limited. for investigation purposes located within or outside the Indian jurisdiction
• Should we (or our assets) plan to merge with, or be acquired by any business entity, or re-organization, amalgamation, restructuring of our business then with such other business entity While the information is shared, Tapipe Fintech Private Limited. ensures that the processing is carried out only on behalf of Tapipe Fintech Private Limited. and this policy is applicable to the extent possible.
Security Tapipe Fintech Private Limited takes various steps and measures to protect the security of the Personal Data of its users from misuse, loss, unauthorised access, modification or disclosure. We use latest secure server layers encryption and access control on our systems. Our safety and security processes are audited by a third-party cyber security audit agency from time to time. We also ensure the device binding so that the same login cannot be used on different device without any additional authentication/OTP. The users are advised to not share their login, password and OTP details with anybody. How we use cookies? "Cookies" are small files placed on your device hard-drive/storage that assist us in providing our services. Cookies do not contain any of your Personal Information. We may use cookies to give the users a better experience while using our website. We will ask for your consent to our use of cookies the first time that you enter our website. We use cookies or similar technologies on certain pages of the Platform to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. We offer certain features that are only available through the use of a "cookie" or similar technologies. We also use cookies to allow you to enter your password less frequently during a session. Cookies or similar technologies can also help us provide information that is targeted to your interests. Most cookies are "session cookies," meaning that they are automatically deleted from your device hard-drive/storage at the end of a session. You are always free to decline/delete our cookies or similar technologies if your browser/device permits, although in that case you may not be able to use certain features on the Platform and you may be required to re-enter your password more frequently during a session.
Additionally, you may encounter "cookies" or other similar technologies on certain pages of the Platform that are placed by third parties. We do not control the use of cookies by third parties. Retention of Personal Information We will retain 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 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.
Advertisement appearing on the Services 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. The Company has the discretion to update this Policy at any time. We encourage User to frequently check this page for any changes to stay informed about how we are helping to protect the Personal Information we collect. User acknowledges and agrees that it is his/her responsibility to review this Policy periodically and become aware of modifications.
By using the Services, 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. Advertising We may share non-personally identifiable information with advertisers. We also allow specific partners to collect information from your browser or device for advertising and measurement purposes using their own cookies or similar technologies.
Choice/Opt-out We provide all users with the opportunity to opt-out of receiving any of our services or non-essential (promotional, marketing-related) communications from us, after setting up an account. If you want to remove your contact information from all our lists and newsletters or discontinue any our services, please click on the unsubscribe button on the emailers. Personal Information Access and Rectification You can access and review your Personal Information shared by you by logging in to Tapipe Fintech Private Limited Platform using your secure login credentials and may also place a request for updating your Personal Information by writing to us. Tapipe Fintech Private Limited may need to request specific information from you to confirm your identity and ensure authentication to correctly update your Personal Information. This is a security measure to ensure that Personal Information is not disclosed to any person who does not have a right to receive it or is not incorrectly modified. In case, where you need any further information specific to the product/ services that you are availing or our use of your Personal Information, we request you to read through the Terms and Conditions specific to the product/service which is easily accessible through the Tapipe Fintech Private Limited Platform. Children Information We do not knowingly solicit or collect Personal Information from children under the age of 18 and use of our Platform is available only to persons who can form a legally binding contract under the Indian Contract Act, 1872. If you are under the age of 18 years then you must use the Platform or services under the supervision of your parent, legal guardian, or any responsible adult. Changes to Policy Since our business changes constantly, so will our policies. We reserve the right, at our sole discretion, to change, modify, add, or remove portions of this Privacy Policy at any time without any prior written notice to you. We may, however, reasonably endeavour to notify you of the changes, it is your responsibility to review the Privacy Policy periodically for updates/changes. Your continued use of our services/Platform, following the posting of changes will mean that you accept and agree to the revisions. We will never make changes to policies in order to make it less protective of Personal Information already shared by you.