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Privacy Policy

Zilch Fintech Private Limited ("Zilch Fintech," "we," "us," "our") respects each individual's right to privacy and strives to protect their personal and sensitive data (defined below).

Zilch Fintech has a Privacy Policy ("Policy") which applies to both visitors (i.e., those without an account) and users (i.e., those with an account with Zilch Fintech) (collectively referred to as "User") who provide us with their personal and sensitive personal data as a result of visiting, accessing, browsing, and using our Website (collectively referred to as "Website"). This Policy informs users about how their personal information is collected, used, stored, transferred, and disclosed. Please read this Policy carefully before submitting any information to us to learn how we will handle it.

The User acknowledges that this Policy is an extension of (Zilch Fintech Terms ) 's & Conditions and that all terms defined here have the same meaning in this Policy. The User's access, browsing, and continued use of the Website constitutes unconditional consent to this Policy, read in conjunction with the Terms of Use. Please do not visit or use our Website if the User does not agree with the terms of this Policy. This Policy is easily accessible on our Website in various places, including but not limited to when Users create an account with us on our Website.

Zilch Fintech reserves the right to modify, alter, and update this Policy without prior notice. Users will be notified of material changes via the email address registered with us or any other means of communication available to us. Still, it is recommended that they consult this Policy frequently to stay on top of the changes. Any User who uses or avails of the Website's services after the modification, amendment, alteration or change of this Policy, regardless of whether the User is notified or published on the Website, is hereby deemed to have agreed to this Policy as well as any other Policies or practices of Zilch Fintech that are in effect at the time when the user visits, accesses or uses the Website.

The Policy is published in compliance with the following:

Section 43A of the 2000 Information Technology Act ("Act"). Regulation 4 of the 2011 IT (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules ("SPI Rules")

DEFINITIONS

PERSONAL INFORMATION

"Personal Information" is defined in the SPI Rules as any information that relates to a natural person and, directly or indirectly, in combination with other information available or likely to be available with a corporate body, can identify that person. This information includes a person's name, address, phone number, etc.

SENSITIVE PERSONAL DATA OR INFORMATION

According to SPI Rules, the "sensitive personal data" of a person comprises information about:

  • passwords;
  • financial information such as bank accounts or credit cards or debit cards or other payment instrument details;
  • physical, physiological and mental health conditions;
  • sexual orientation;
  • medical records and history;
  • biometric information;
  • If the body corpoli> receives any information under these clauses for processing or storing under a lawful contract, it will do so for processing or storing only those details.
  • A public record or information provided under the Right to Information Act, 2005 or any other law shall not be considered sensitive personal information or data.

PAYMENT DATA

End-to-end transaction details and information pertaining to a payment or settlement transaction that is gathered/transmitted/processed as part of a payment message/instruction are referred to as "Payment Data." Customer data (name, mobile number, email, Aadhaar number, PAN number, etc., as applicable); Payment sensitive data (customer and beneficiary account details); Payment Credentials (OTP, PIN, Passwords, etc.); and Transaction data are all examples of Payment Data (originating & destination system information, transaction reference, timestamp, amount, etc.).

PERSONAL INFORMATION COLLECTION CONSENT

The Website permits users to access, browse, or utilize its services without disclosing, storing, possessing, dealing or handling their Personal Information.

Users provide their specific consent to the use, disclosure, storage, possession, receiving, dealing, or handling of their Sensitive personal data or information for the lawful purposes enumerated in this Policy by checking the box affirming such consent appearing at the time of creating their Account on the Website, in accordance with Rule 5 of the SPI Rules.

Zilch Fintech assumes adequate and lawful parental consent when A minor shares Personal Information or Sensitive Personal Data or Information.

TYPES OF INFORMATION WE COLLECT

In order to create an Account, enter into transactions with us, and obtain customer support services, users must submit certain Personal Information and Sensitive Personal Information. We may collect Personal Information and Sensitive Personal Data or Information, such as:

  • Name and age;
  • Password and username;
  • PAN;
  • User's account password;
  • Adresse Postale;
  • Email address;
  • Phone number;
  • IP addresses (through cookies);
  • Website URLs accessed before and after Users access our site;
  • Card number, expiration date, and/or other payment instrument information;
  • Feedback, queries, emails, letters, and suggestions provided by users;
  • Third-party information about a User's activities or postings on the Website;
  • Identifier of the mobile/tab device on which the App is installed.
  • We may require other information to access and use our Website.

PURPOSE OF COLLECTION

Please note that we will only collect your sensitive personal data or information for specific, clear, lawful purposes. The following are among them:

  • Our Website is designed to give the User a safe, efficient, smooth, and personalized experience;
  • We strive to improve our products and services;
  • To respond to general questions or complaints about our services;
  • Emails containing information about our existing and new products/services, newsletters, notifications of changes in this Policy, etc.;
  • Analyzing the traffic on our Website and conducting market research on users' demographics, interests, and behaviors;
  • The creation of new products and services;
  • In order to provide customer support;
  • Our goal is to detect, prevent, and address errors, fraud, criminal activity, abuse of our services, and technical problems;
  • In order to enforce the Terms of Conditions;
  • The provision of co-branded services in affiliation with multiple corporate entities;
  • A lawful purpose will be disclosed when collecting Personal Information or Sensitive Personal Information.

HOW INFORMATION IS COLLECTED

When users access, browse and use our Website, our social media profiles, or contact customer support online, we collect the information they voluntarily provide. The data is collected automatically by analyzing your online behavior (via cookies).

Users may refuse to provide certain information or withdraw consent to provide certain information at any time, as outlined in this Policy. We will retain your Personal Information or Sensitive Personal Data or Information for a period determined by us or as required by law if you withdraw your consent. When you revoke your consent, we reserve the right to limit your access to the Website's features and services.

DISCLOSURE OF INFORMATION

The sharing of your Personal Information and Sensitive Data or Information with our trusted affiliates and any other third party is permitted by this Policy, to the extent and for the lawful purposes described in this Policy. We will not disclose any Personal Information or Sensitive Personal Data or Information to any government institution or authority unless such disclosure is required by law, (ii) requested by a lawfully authorized government authority, (iii) required by a judicial decree, (iv) required for enforcing and protecting the legal rights of Zilch Fintech or others, (v) required for seeking any relief, (vi) required for defending any charge, (vii) required for We also reserve the right, in the event of a change in ownership, merger, restructuring, or sale of our business assets, to disclose, share, or transfer your Personal Information or Sensitive personal data or information to a third party.

USE OF COOKIES AND OTHER TECHNOLOGIES

We use "cookies" or similar technology to collect information and assign each visitor a unique random number known as a User Identification (User ID) to understand the User's interests and improve the effectiveness and usability of the Website for our Users. When a User visits the Website, our web servers automatically collect limited information about the User's computer connected to the Internet, including the User's IP address (a User's IP address is a number that tells computers connected to the Internet where to send data to the User, such as the web pages viewed by the User).

There may be "cookies" or other similar devices placed by third parties on certain pages of the Website. There is no control over the use of cookies by third parties, and we disclaim any responsibility for their use.

LINKS TO OTHER WEBSITES

Users may find links to other websites on the Website that collect information from them. We shall not be responsible for the privacy policies, practices, or content of the sites linked to this Policy. The User acknowledges that this Policy does not cover such sites' collection and use of information.

CORRECTION AND UPDATION OF INFORMATION

User shall promptly notify us if any Personal Information or Sensitive Personal Data or information supplied by such User is inaccurate, misleading or incomplete. Users may also review, update, or modify information by logging into their Account on the Website. A User shall be responsible for ensuring that their information is accurate and truthful.

RETENTION OF INFORMATION

Your Personal Information and Sensitive Personal Data or Information may be retained and used until the following conditions are met: I the relevant purposes for the use of your information described in this Policy are no longer applicable; (ii) we are no longer required to retain your information by applicable law, regulations, contractual obligations, or legitimate business purposes; and (iii) the retention of your information is not required for the establishment, exercise, or defense of any legal claim.

MAILERS

Zilch Fintech may send direct mailers to the User at the email address they provide. Zilch Fintech The User can opt-out of this direct mailer by clicking the link provided at the bottom of each mailer or by any other means deemed appropriate by Zilch Fintech. When a User chooses not to receive such mailers, Zilch Fintech will take all steps to remove the User from the mailing list. A User can remove his/her/it contact information from all mailing lists and newsletters by visiting the "Profile" page of his/her/its Account with Zilch Fintech.

ADVERTISING

When you visit our Website, we use third-party advertising companies to serve ads. These companies may use your anonymized information (information that does not include your name, address, email address, or mobile number) to provide advertisements about goods and services that you may be interested in. Such anonymized data is typically presented as aggregated statistics on traffic to various pages on our Website.

DATA LOCALIZATION

All Users, including system participants, service providers, intermediaries, payment gateways, third-party vendors, and other entities in the payments ecosystem, who are retained or engaged by Zilch Fintech to provide payment services must store all Payment Data in India-based systems. Regardless of the previous, a copy of the domestic component may be stored abroad for cross-border transaction data that includes both a foreign and a domestic component.

HOW DO WE SECURE THE INFORMATION

The Website has implemented stringent security measures to prevent misuse, unauthorized access, modification, disclosure, or destruction of your Personal Information and Sensitive personal data or information in our possession. All information gathered by us is stored on servers protected by a firewall; such servers are password-protected, and access is strictly limited on a need-to-know basis.

Our security safeguards and this Policy may be periodically reviewed to ensure that the integrity of your Personal Information and Sensitive Personal Data or Information is maintained. A breach of security that may cause harm to a User will be notified to the User as soon as possible, and we will take steps to mitigate any immediate harm.

Please contact us at support@zilchfintech.com if you have any questions about this Policy or wish to raise any issues or grievances related to illegal access, use, or disclosure of Personal Information.

In the event of a question, concern, grievance, or report, we will attempt to resolve it within thirty (30) days.

GRIEVANCE POLICY

Zilch Fintech is committed to providing excellent customer service to sustain business growth. We primarily focus on customer service and customer satisfaction as a service organization. At all points of contact, we aim to provide exemplary service to our customers. There is a structured grievance redressal mechanism in this Policy and a framework for handling customer grievances and complaints.