Privacy Policy

Privacy Principles

Finpay Swift includes this privacy statement (sometimes known as a "policy" or "Privacy Statement"). This Policy describes Finpay Swift's, (from now on "Finpay Swift," "we," "us," or "our") practices about the collection, use, and disclosure of personal information that you voluntarily provide to us when you access our online store and marketplace, value-added services, educational platform, and payment aggregation services (collectively, "Services") on or through our various technology tools, including but not limited to our website and (collectively "Platform").

Finpay Swift protects your personal information. Please read the following policy carefully to understand our policies and how we will handle your personal data. All personal information you supply to us or that we obtain about you will be processed per this Policy.

We will collect, store, utilize, and disseminate your data in accordance with this Policy. Use of the Services is subject to this Policy and to any additional terms and conditions you agree to with us.

OUR COLLECTION OF INFORMATION ABOUT YOU

Any information used to identify a specific person is considered personal data. No information exists that has been anonymized (for instance, anonymized data).

To the extent allowed by law, we may gather, use, retain, and transfer various types of personal information about you to offer you or in connection with the Services. Such private information contains:

You provide us with personal information such as your first and last name, username, professional title, passwords, purchases or sales made using our Services, feedback, survey results, etc. Email addresses, phone numbers, billing addresses, business addresses, delivery addresses, and social media information are examples of this type of information.

When you utilize specific Services features, we may gather data about our underwriting procedures. This includes, but is not limited to, passports, Aadhaar cards, election commission identification cards, driving license numbers, permanent account numbers, current bank account statements, and ration cards, which are all issued and accepted as proofs of identity and addresses by various governmental bodies and Authorities.

Transaction information, such as specifics about payments made to and received from you and specifics about the services you bought and sold. Financial information, such as specifics about the financial products you have used, bank account information, payment methods, cardholder information, UPI details, etc.

Device information, such as but not restricted to SMS - SMS including financial transaction data; Location - information about the location that was recorded on your device; Device Information - details about the hardware make and model, the operating system and version, the IMEI and serial numbers, the user's profile information, IP addresses, the types and versions of browsers used and the time zone settings.

Aggregated data, such as statistical, financial, or credit information, is collected, used, and shared for various purposes. While aggregate data may be derived from your data, it is not protected by applicable laws as personal data. For instance, we may combine your usage information to determine the proportion of users that utilize a particular Service feature. However, we treat aggregated data as personal data, which will be processed in line with this Policy, if we combine or link it with your data to enable us to identify you directly or indirectly.

When we are required by law, an authority, or the terms of our agreement with you to collect personal data, and you fail to submit that data as and when we request it, we may not be able to fulfil our duties under the agreement we have with you or are attempting to enter into with you (for example, to provide you with features of the Services). We might need to revoke or restrict your Services use in this situation.

HOW DO WE GATHER YOUR INFORMATION

We gather and process information about you using a variety of methods.

Information you give us:

When you use our Services or communicate with us, you consent to us collecting information about you, including identity, contact, marketing, and communications data (for example, by email ). You contribute information when you sign up to utilize the Services, use a platform feature, share data through other actions frequently taken in conjunction with the Services, and when you report an issue with the Platform or our Services. If you contact us, we'll record your exchange details.

Details you provide to us: Details about you and your device that we gather: We will automatically collect personal data, such as device and usage information, each time you visit our Platform or use our Services. We discovered that you were making use of cookies and other comparable tools.

Information obtained from outside sources, such as third parties and freely accessible databases: These are some of the sources through which we may get your personal information.

Data from publicly accessible sources, identity and contact information from data brokers, aggregators, or social networks, data from analytics providers, advertising networks, blocklists, sanctions lists, and other similar registries/lists.

INFORMATION ORIGINALITY

You acknowledge that the data you supply about yourself is truthful, accurate, and complete. You are completely responsible if you provide any inaccurate or misleading information or personal data. You can review the details and personal data you gave when using the Services and try to edit or correct it.

HOW WE USE YOUR INFO

Your personal information won't be used in any way against the law. We frequently use your personal information to offer services or when we must fulfil a legal or contractual obligation. You recognize that by giving us your personal information, you also permit us to share it with third parties. You are conscious that by using our Services, you provide us, our associate partners, and affiliates permission to contact you by phone, email, or other means.

You are aware that we may gather, compile, and share any information relating to you to offer you the Services, whether or not you directly provide it to us (through the Services or otherwise), including but not limited to personal correspondence like emails, instructions from you, etc. You formally permit us to do so. Storage providers, marketing partners, data analytics providers, consultants, attorneys, and auditors are a few examples, but they are not the only ones. Our parent business, subsidiaries, and affiliates may also receive this information from us.

You understand and agree that in cases where disclosure of the information is mandated by law, a court, government agencies or authorities (including the police or regulatory bodies like the RBI or SEBI, banks, payment gateways, or schemes like Visa, Mastercard, etc.), we may share data without your permission. These disclosures are given in good faith and on the basis that they are necessary to uphold the terms of this Policy, the Terms, or to comply with legal requirements.

The following are the general purposes for which we will use your personal information:

To maintain our connection with you, including advising you of changes to any Services; To register you as a user; To supply Services and create statements for account maintenance;

When it is necessary to protect our legitimate interests (or those of a third party) and your interests and fundamental rights do not prevail over those interests, to manage and protect our business and the Services, including troubleshooting, data analytics, and system testing; for underwriting purposes, to monitor risks, frauds, and money laundering, to combat the financing of terrorism, and for such other related purposes and to abide by a legal or administrative requirement.

You permit us to send you electronic notifications and messages with information on registering on our platform, conditions related to the delivery of services, and advertisements. You also consent to receive marketing emails and other correspondence from us. You will be updated on the newest Services developments through such mail. Using the unsubscribe option we provide, you can remove your name from our mailing list anytime.

TRANSFER OF PERSONAL DATA

We comply with Applicable Laws regarding the storage and transfer of data. Where the law allows, we may transfer and retain the information and personal data you supply to us in nations outside of Finpay Swift, strictly pursuant to the RBI's rules and regulations. This might occur if our servers or service providers are occasionally found in nations other than Finpay Swift. Subject to the other provisions in this Policy, we may also share information with entities in countries other than Finpay Swift. These entities may be subject to the data laws of their respective countries.

If you use the Services outside of Finpay Swift, your information might be transferred to another nation to provide you with the Services, subject to Applicable Laws. You consent to the transfer, storage, and processing of your information and personal data in the ways mentioned above by providing your information and personal data to us.

THIRD-PARTY SERVICES

Our services may occasionally include links to and from the websites of our partner networks, advertisers, and affiliates, as well as services provided by those websites ("Third Party Services"). Please note that the Third Party Services that may be accessible through our Services have their privacy policies. We disclaim all duty and responsibility for the rules or personal information the Third Party Services gathered. Please check their policies before submitting personal data to such websites or using their services.

COOKIES

Cookies are tiny data files that a website or its service provider sends through your web browser to the hard drive of your smartphone or computer (if you permit it to do so) so that it can identify your browser and remember specific information.

To provide you with better tools and experiences in the future, cookies enable sessions, track and remember your choices for subsequent visits, monitor adverts, and gather aggregate data on site traffic and activity. We may contact third-party service providers to understand our site visitors better. These service providers may only use the information collected on our behalf to support and enhance our business operations.

On specific pages of the Services, third parties may also have inserted cookies or other similar technologies. We have no control over how third parties may use cookies. You are welcome to contact us personally by email or letter, and other users and third parties are welcome to contact us regarding your usage of the Services.

SECURITY OF DATA

Our data security practices comply with RBI requirements, including PCI-DSS, the latest encryption standards, and transport channel security. We take specific security precautions by the requirements of the Information Technology Act of 2000 and the relevant rules (Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules of 2011) to safeguard your personal information from unauthorized access. These precautions include encryption and firewalls. While using the Services, you accept all risks connected with revealing personal information due to firewall and secure server software breaches. Nevertheless, you agree that the above measures do not guarantee absolute protection of personal information.

We'll follow all guidelines established by the RBI, the Information Technology Act of 2000, and related regulations.

DATA RETENTION

We retain personal data for as long as necessary to fulfill the purposes for which it was collected, including to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. The retention period may vary depending on the type of data and the specific regulatory requirements applicable to our business.

Data Deletion

Upon the expiration of the retention period, we securely delete or anonymize personal data to prevent unauthorized access or use. We use industry-standard methods to ensure that data is irretrievable.

User Rights

You have the right to request access to your personal data, request corrections, or request deletion of your data under certain circumstances. To exercise these rights, please contact us [insert contact details].

BUSINESS TRANSITIONS

Your personal information might be one of the assets transferred in the event of a business transition, such as a merger, acquisition by another company, or sale of all or a portion of our assets.

A PRIVACY POLICY CHANGE

We examine our Policy constantly and may alter it occasionally at our discretion. The conditions of this Policy may change, and if they do, you will be notified by email and posted here as necessary. Please review this Policy often.

CONTACT US

You can contact us at (contact info). If you have any inquiries about this Policy or require a review or update of your personal information, kindly contact us.