We at the KWIKPAY group i.e. Autent Technology Private Limited and
its subsidiaries, (“the Company/Autent /We/Us/KWIKPAY”) are
committed to protecting the privacy and security of your personal
information. Your privacy is important to us and maintaining your trust is
1. Information we collect
The following information is collected by or on behalf of KWIKPAY.
1.1 Information you provide us
When you start using the KWIKPAY App, we ask you to provide certain
information as part of the registration process, and in the course of your
interface with the KWIKPAY App. We will collect this information
through various means and in various places through the KWIKPAY
App, including account registration forms, contact us forms, or when
you otherwise interact with KWIKPAY including at customer support.
At the time of registration, we ask for the following personal information. Name (First Name, Last Name); Mobile Number; Email ID; Date of Birth; PAN Card.
Pursuant to the services consumed by You from time to time, we may explicitly seek additional information including address, payment or banking information, Credit score, Credit/debit card details and any other governmental identification numbers or documents. You may choose to provide such information if you wish to use the services provided by the App.
We will also maintain a record of the information you provide to us when using customer support services.
From time to time, during your use of the KWIKPAY App, KWIKPAY may require access to certain additional information such as SMS and contact details. Prior to accessing any such additional information, explicit consent shall be sought from you. Please note that even after consent has been provided by you, we only read transactional or promotional SMS and do not open access or read any personal SMS.
Certain features may be restricted, unavailable or unusable if you choose not to provide certain information. For example: You would not be able to complete e-commerce transactions involving delivery if you choose to not share a delivery address. KWIKPAY may require you to provide PAN details before claiming certain rewards.
1.2 Information created when you use the KWIKPAY App
We collect information relating to your use of our website/app through
the use of various technologies. This includes transaction details related
to your use of our services including the type of services you requested,
the payment method, amount and other related transactional and
financial information. Further, depending on the rewards claimed by you
further, when you visit our website/app, we may log certain information
such as your IP address, browser type, mobile operating system,
manufacturer and model of your mobile device, geo location, preferred
language, access time, and time spent. We will also collect information
about the pages you view within our sites and other actions you take
while visiting our website/app.
We also maintain some records of users who contact us for support, for the purpose of responding to such queries and other related activities. However, we do not provide this information to any third party without your permission, or utilize the same for any purposes not set out hereunder.
1.3 Information We Collect from Third Parties
We may, on your consent, request certain third parties to provide
information about you to further personalize your experience on our
website/app, and provide certain services that cannot be accessed by
all users of the website/app.
In order to access KWIKPAY Rent and KWIKPAY Cash services, you will be required to complete KYC processes which may involve KWIKPAY along with its partners, fetching your KYC data from one or more KYC registries.
If you choose to link and connect your email account with KWIKPAY, we may access the said account for purposes including collecting your Credit card bill details such as total amount due, minimum amount due and due date, and such other financial and transactional information to be able to do the following:
1. Manage all your Credit card information at one place including reminding you of the payment due before the due date;
2. Curate offers and rewards customised for you;
3. Provide an insight into your spending pattern(s) to ensure you are aware of your spending and can make wiser decisions basis the same;
4. Identify utility billers and insurers / insurance service providers you transact with to fetch your utility bill and/or insurance details; and
5. Curate specific financial/investment/other products for you based on your financial transactions, investments, and past financial behaviour.
KWIKPAY’s access to the email account(s) is authorized through the email provider’s access mechanism. If you permit the KWIKPAY website/app to track your Credit card accounts, the KWIKPAY website/app will securely store account details for each of your email accounts, including your sign-in user name and authorisation tokens for tracked accounts.
You can choose to enable us to access one or more of your email accounts by explicitly consenting to each single account separately. Please note that your consent to any of the above is purely voluntary. You can de-link the access to your email any time you wish.
We only read emails related to financial services such as Credit card statements, loan statements, insurance policies, biller details etc and do not open, read or access any personal e-mails. For the sake of clarity, KWIKPAY employs automated processes for accessing and analysing information provided by you; where we may need to use our algorithm to access a password-protected document utilizing information provided by you.
We may receive additional information about you, such as information to help detect fraud and safety issues, from third party service providers and/or partners, and combine it with information we have about you. We may receive information about you and your activities through partnerships, or about your experiences and interactions from our partner ad networks.
2. How We Use the Information we collect
We may use, store and process the information provided by you to (1)
improve the services offered through the KWIKPAY App, (2) create and
maintain a trusted and safe environment on KWIKPAY (such as
complying with our legal obligations and compliance with our policies)
and (3) provide, personalise, measure and improve our products and
The information collected through different channels, allows us to collect statistics about our website/app usage and effectiveness, personalise your experience whilst you are on our website/app, as well as customize our interactions with you and to enhance the scope of the App Services. The following paragraphs describe in more detail how we use your personal information.
2.1 Providing, understanding and improving
service offered through the KWIKPAY App
Any information provided by you will be used for creating and updating your account and processing your transaction(s) or for any other purposes for which you have granted access to such information to us, based on your interaction with the KWIKPAY App.
To complete a financial transaction, we may share financial information (such as Credit card details or other payment mode details) provided by you with authorised third-parties, for instance, our business partners, financial teams/institutions, or postal/ government authorities involved in fulfilment of the said transactions, if any. This does not include any information collected from e-mails. In connection with a financial transaction, we may also contact you as part of our customer satisfaction surveys or for market research purposes.
We may use the information collected to perform internal operations necessary to provide our services, including to troubleshoot software bugs and operational problems, to conduct data analysis, testing and research and to monitor and analyse usage and activity trends. We process this personal information for these purposes given our legitimate interest in improving the App Services.
In order to expand the scope of our services, we may from time to time, seek additional information from you. Any such collection of additional information and documents shall be subject to an explicit & purpose specific consent sought from all Users. KWIKPAY will securely store account details for each of your Credit card accounts, including your sign-in user name and authorisation tokens for tracked accounts. This information will be used to enable the KWIKPAY website/app to automatically access your applicable Credit card statements to analyse, extract, and store information securely from such accounts for use on the KWIKPAY app or website.
2.2 Safety, security and resolution of issues
We may use your personal information, created as part of payment
services availed by you, to ensure that your access and use of payment
services is in compliance with our legal obligations (such as anti-money
laundering regulations). We may share such information, with our
advisors, third party service partners and providers for a seamless
experience for you.
We may use the information to create and maintain a safe environment and use the same to detect and prevent fraud, span, abuse, security incidents and other harmful activity.
We use the information we collect (including recordings of customer support calls) to assist you when you contact our customer support services to investigate and resolve your queries, monitor and improve our customer support responses. Certain online transactions may involve us calling you. This may also involve online chats. Please be aware that it is our general practice to monitor and in some cases record such interactions for staff training or quality assurance purposes or to retain evidence of a particular transaction or interaction.
We intend to protect your personal information and to maintain its accuracy as confirmed by you. We implement reasonable physical, administrative, and technical safeguards to help us protect your personal information from unauthorised access, use, and disclosure. For example, we encrypt all sensitive personal information such as Credit card information when we transmit such information over the internet. We also require that our commercial partners and vendors protect such information from unauthorised access, use, and disclosure.
We blend security at multiple steps within our products with state of the art technology to ensure our systems maintain strong security measures. The overall data and privacy security design allows us defend our systems ranging from low hanging issue up to sophisticated attacks.
We are committed to protecting your data as if it were our own. If you are a security enthusiast or a researcher and you have found a possible security vulnerability on Autent products, we encourage you to report the issue to us responsibly. You could submit a bug report to us at email@example.com with detailed steps required to reproduce the vulnerability. We shall put best of our efforts to investigate and fix the legitimate issues in a reasonable time frame, meanwhile, requesting you not to publicly disclose it.
2.3 Sharing and Disclosure of data with Third Parties
As required by law, at times we might be required to disclose your
personal information including personal, transactional and financial
information to relevant regulatory and governmental authorities and also
to our advisors such as law firms and audit firms while responding to
request from the regulatory authorities. In some cases, when we believe
that such disclosure is necessary to protect our rights, or the rights of
others, or to comply with a judicial proceeding, court order, or legal
process served on our website/app we would share such information
pursuant to a lawful request from law enforcement agencies.
Subject to explicit and prior consent from a you, we may use information created by your use of our App, not including information collected from other sources such as e-mails etc. for marketing purposes. This consent is purely voluntary and you may at any time choose not to receive marketing materials from us by following the unsubscribe instructions included in each e-mail you may receive, by indicating so when we call you, or by contacting us directly. Further, if you want to remove your contact information from all our lists and newsletters, please click on the unsubscribe button on the mailers or send an email request to firstname.lastname@example.org.
Subject to explicit and prior consent from you, we may disclose certain information that is created by your use of our App to KWIKPAY’s subsidiaries, affiliate entities and partners that are not acting as our suppliers or business partners. For the sake of clarity, we do not sell or lease such information.
Some of our campaigns/programmes/related events may be co- branded, that is sponsored by both the third parties and us. If you sign up for such campaigns/programmes/related events, please note that your information may also be collected by and shared with those third parties. We urge you to familiarise yourself with their privacy policies to gain an understanding of the manner in which they will handle information about you.
We may display targeted or non-targeted third party online advertisements on the KWIKPAY website/app. We may also advertise our activities and organizational goals on other websites/apps. We may collaborate with other website/app operators as well as network advertisers to do so. We request you to read and understand such concerned third party privacy policies to understand their practices relating to advertising, including what type of information they may collect about your internet usage. No personally identifiable information is shared with any third party online advertiser or website or app as part of any such activity. KWIKPAY does not provide any information relating to your usage to such website operators or network advertisers.
During your use of the App, you may come across links to third party websites/apps that are not affiliated with KWIKPAY. KWIKPAY is not responsible for the privacy practices or the content of those other websites, or for any acts/ omissions by such third parties in the course of your transaction with them.
We use data collection devices such as “cookies”, etc. on certain parts
of the App to help analyse the App Services, user interaction with the
App, measure promotional effectiveness, and promote trust and safety.
For the sake of clarity, “cookies” are small files placed on your device
hard-drive/storage that assist us in providing the services offered
through the App. Please be informed that we offer certain features via
the App that are only available through the use of a “cookie”.
5. Privacy Questions and Access
If you have questions, concerns, or suggestions regarding our Privacy
Policy, we can be reached using the contact information on our “Contact
Us” page or email@example.com in certain cases, you may have the
ability to view or edit your personal information online. In the event your information is not accessible online and you wish to obtain a copy of particular information you provided to us, or if you become aware the information is incorrect and you would like us to correct it, please contact us immediately.
Before we are able to provide you with any information or correct any inaccuracies, however, we may ask you to verify your identity and to provide other details to ascertain your identity and to help us to respond to your request. We will contact you within 30 days of your request.