Privacy Policy
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
paramount.
This Privacy Policy explains how we collect, use, process and disclose
information about you. By using our website/app and affiliated services,
you consent to the terms of our privacy policy (“Privacy Policy”) in
addition to our Terms of Use. We encourage you to read this Privacy
Policy regarding the collection, use, and disclosure of your information
from time to time to keep yourself updated with the changes & updated
that we make to this Policy.
This Privacy Policy describes our privacy practices for all websites,
products and services that are linked to it. However this policy does not
apply to those affiliates and partners that have their own privacy policy.
In such situations, we recommend that you read the privacy policy on
the applicable site. Any capitalised terms not defined hereunder shall
hold the same definition as provided under the Terms of Use.
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
services.
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 admin@autent.in 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.
Several KWIKPAY products, including but not limited to KWIKPAY
Cash, KWIKPAY Rent While availing such products any data shared by
you as well as the data collected from your use of the App shall be
shared with the relevant third parties with whom KWIKPAY has
partnered. Their use of this data shall be subject to their terms and
conditions and privacy policy which may include sharing of this data
with their sub-contractors.
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 admin@autent.in.
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.
KWIKPAY allows users to use their KWIKPAY account to log into or
access other websites or applications using the KWIKPAY Access
feature. Upon logging in to such third party websites or application
using your KWIKPAY account, certain information (as set out on
KWIKPAY Access log-in screen) shall be shared with the relevant third
party website and application and will be subject to such third party’s
terms of use and privacy policy.
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.
3. Cookies
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”.
We also use cookies to allow you to enter a particular password less
frequently during a session. Cookies also help us obtain information
that assists us in curating the Services more targeted to your interests.
You are always free to decline our cookies if your device permits,
although in that case you may not be able to use certain features on the
app and you may be required to provide a password more frequently
during a session.
4. Changes to Privacy Policy
Autent reserves the right to change this policy from time to time. Any changes shall be effective immediately upon the posting of the revised Privacy Policy. We encourage you to periodically review this page for latest information on our privacy practices.
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 support@autent.in 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.