WishUindia is a transparent
and ethical company and expects that its ethics and values are intentionally
upheld all across. WishUindia is bound by the relevant law of
the land. We suggest you go through our policies carefully, and keep visiting
for updates.
We collect and generate various
data points about you. Data by which you are identified is termed as “Personal
Data”. Personal Data does not mean information that is freely available or
accessible in public domain. Your Privacy is of utmost importance to us and
protection of your Personal Data is a key commitment for us. We are also governed by the provisions of
applicable law in India including the Information Technology Act 2000 and the
Information Technology (Reasonable security practices and procedures and
sensitive personal data or information) Rules, 2011 to maintain the privacy of
your Personal Data.
I.
Personal Data
Personal Data we may collect from
you are as under:
1. Personal
details (e.g. name, contact details including, residential address, date of
birth, documents such as identity card / passport details / Aadhaar details /
PAN / Voter ID / driving license, and/or education details) provided by you to
us to avail various products/services from us.
2. Your details including transaction history,
balances, payment details, for effecting transfer of monies through various
payment channels provided by us.
3. financial
details (e.g. income, expenses, and/or credit history) needed as part of
request for some of our products/services;
4. images
of documents/ photos required to avail any of our products/services.
5. voice
recordings of our conversations with our customer care agent with you to
address your queries/grievances;
6. employment
details (e.g. occupation, positions held, employment history, salary and/or
benefits) as part of our record retention for credit/various product
evaluations or required under applicable law including Prevention of Money
Laundering (Maintenance of Records) Rules, 2005
7. specimen
signature(s) for processing of your instructions received by us through our
various payment and delivery channels;
8. opinions
provided by you to us by way of feedback or responses to surveys;
9. information
obtained from your mobile device by way of using our app like device location,
communication information including contacts and call logs, device information
(including storage, model, mobile network), transactional and promotional
SMS/app notifications.
II.
Sharing of your Personal Data
Any Personal Data that we have
access to shall never be shared without your consent.
In various processes / submission of applications / availment of
product/service offerings, we even seek your explicit consent to use / share
your Personal Data. In our business and operational processes, we only share
the data on a partial and “need-to-know” basis to designated personnel or
partners or service providers. We will share your data with competent/
legal/statutory/regulatory agencies / authorities or partners/service providers
acting on our behalf (as the case may be) in following cases:
1.
only for enabling the provision of the products/services
availed by you, strictly on a “need to know” basis and subject to applicable
laws.
2.
it is directed or required by legal/regulatory /
statutory / governmental authorities under applicable laws/regulations though a
legally obligated request.
3.
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.
III.
Usage of Your Personal Data
We use your Personal Data in our
business activities for providing our or our partners’ products/services and to
perform, among other actions, the following:
1. to
facilitate the transactions or report on these transactions;
2. to undertake research and analytics for
offering or improving our products/services and their security and service
quality;
3. to
check and process your applications submitted to us for products/services
and/or instructions or requests received from you in respect of these
products/services;
4. to share with you, updates on changes to the
products/services and their terms and conditions;
5. to take up or investigate any
complaints/claims/disputes;
6. to respond to your queries or feedback
submitted by you;
7. to
verify your identity for us to provide products/services to you;
8. to carry credit checks, screenings or due
diligence checks as lawfully required by us;
9. to
monitor and review products/services from time to time;
10. to
undertake financial/regulatory/management reporting, and create and maintain
various risk management models;
11. for conducting audits and for record keeping
purposes;
12. for
selective offers and promotions.
External Processing: We may provide
your personal information to our affiliates or other trusted businesses or
persons or service providers engaged by us, or institutions that we partner
with to assist us with providing you with products/services to better serve
your needs and interests, based on your instructions and in compliance with our
Privacy Policy and any other appropriate confidentiality and security measures.
We also use your Personal Data to fulfill the requirements of applicable
laws/regulations and/or court orders/regulatory directives received by us.
IV.
Purging of your Personal Data
1.
You may delete your WishUindia account at any
point of time by making such choice in WishUindia desktop website,
mobile WAP site or mobile application. With this we will no longer provide your
data for external processing as mentioned above. However, we retain your
Personal Data as long as the purpose for its usage exists, after which the same
is disposed off by us except for any record retention required as per
applicable law.
2.
The provisions of various laws require your transaction
logs to be stored for longer periods post the deletion of an account. Further,
in the event of the pendency of any legal/regulatory proceeding or receipt of
any legal and/or regulatory direction to that effect, we may be required by the
law of the land to retain your Personal Data for longer periods.
V.
Cookie Policy
1. Please
note that a “cookie” is a small piece of information stored by a web server on
a web browser so it can be later read back from that browser.
2. We may use cookie and tracking technology
depending on the features offered.
3. No
Personal Data will be collected via cookies and other tracking technology; however,
if you previously provided Personal Data, cookies may be tied to such
information.
VI.
Links to other websites
Our website may contain links to
other websites which are not maintained by us. This privacy policy only applies
to us. You are requested to read the other websites’ privacy policies when
visiting these websites.
VII.
Reasonable Security Practices and Procedures
We take various steps and
measures to protect the security of your Personal Data 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 have provided multiple levels
of security to safeguard your app by Login/Logout option and AppLock feature
that can be enabled by you. We also ensure the device binding so that the same
login cannot be used on different device without any additional
authentication/OTP. Please do not share your WishUindia login,
password and OTP details with anybody.
VIII.
Contact us
You may contact us on any aspect
of this policy or for any discrepancies/grievances with respect to your
Personal Data, by writing to us at WishUindia Private Limited, Modi Bhawan,
Sugiadih More, Hirak Road, K.G. Ashram, Dhanbad, Jharkhand – 828109.
IX.
Policy Review & Updates
This policy will be reviewed by
us as and when required and the same may change at any time. The latest &
most updated policy can always be found at https://wishuindia.com/privacy While
we will make reasonable efforts to keep you posted on any updates to this
privacy policy, to make sure that you are aware of any changes, we recommend
that you review this policy periodically. This Privacy Policy shall apply
uniformly to WishUindia desktop website, mobile WAP site & mobile
applications. In this policy, the words “we”, “ours” and/or “us” refer
to WishUindia Private Limited and “you” and/or “your” refer to our
customers.