This privacy policy (“Privacy Policy“) informs You in detail how Your data is gathered, kept, and used by Us. Please take the time to thoroughly read this Privacy Policy. You provide Us permission to use & disclose your Personal Information (defined below) in accordance with this Privacy Policy by registering on the App (as defined below), via any medium: mobile app, website, web app, mobile site, or otherwise. Please refrain from using or gaining access to the App if You do not agree to the conditions of the policy.
Without previous notice, our privacy policy may change at any time. Please frequently revisit this privacy statement to ensure that You are informed of any changes. The PassBook website https://www.passbook.money/ (“Website“), mobile site, web/desktop plugins, and mobile applications housed at https://www.passbook.money/(“App“) shall be subject to this Privacy Policy uniformly. For the purposes of this Privacy Policy, all the terms and policies applicable to Website shall also be applicable to the App and vice-versa.
Throughout this Privacy Policy, the capitalized terms “PassBook” “We“, “Us” and “Our” refers to PassBook, its affiliates and assigns, and the terms “User”, “You”, “Your”, and “Yourself” refer to the users of the Website whose Personal Information is being collected in accordance with the terms of this Privacy Policy. In order to ensure Your safe use of the Website, Our methods and procedures regarding the collection and use of Personal Information are described below.
The term “Personal Information” refers to data that Users give to PassBook, such as their name, phone number, email address, and any other information connected to that data. It includes personal data that is classified as sensitive personal data or information under the Information Technology (Reasonable Security Policies and Procedures and Sensitive Personal Data or Information) Regulations, 2011.
Sensitive personal data or information that is freely available, accessible in the public domain, or available under the Right to Information Act 2005, is excluded from the scope of the above stated definition.
All physical and digital forms of Personal Information, whether they are gathered or maintained electronically or on paper, are covered by this Privacy Policy.
PassBook has the right to handle the data for and on behalf of the Users.
If a User ever contributes data or other information about someone other than himself, herself or itself, the User guarantee that they have that person’s permission to provide it for the stated purpose.
Users agree to Our Privacy Policy by signing up for the Website. It is clarified that the Terms and Conditions that are provided separately, form an integral part of Your use of this Website and should be read in conjunction with this Privacy Policy.
Please note that the browsing, access and use of the Platform is restricted only for persons above the age of 18 years and persons who are “competent to contract within the meaning of the Indian Contract Act, 1872”. Our Platform is not intended for minors and the Company does not target any minors. The Company does not knowingly collect Personal Information from minors. If You are under the age of 18 years, please do not register to browse, access or use the Platform and do not provide us with any Personal Information. If You are a minor (i.e. under the age of 18 years), You may browse, access or use the Platform only under the supervision and prior consent/ permission of a parent or a legal guardian.
Device Permissions
Your web-connected devices (referred to as “Devices“) that are integrated with the Website allows PassBook to gather information from and about them. The Users hereby grant the Website the following permissions by accessing and using the Website:
Device’s camera accessibility
To improve your User experience, the App lets You scan photographs and documents using optical character recognition rather than having to manually enter the data or information needed to access the App’s features. The App needs access to the Device’s camera in order to make it easier for PassBook to provide these services to the User. The User agrees that the App may access the Device camera in order to facilitate products and services.
Access to contacts from the Device
The App might need permission to access your Device’s address book in order to make it easier for PassBook to provide these services to the User. The User requires to provide permission for the Device’s contact book to be accessed in order to facilitate the delivery of products and services through the App.
Storage of data on the Device:
Reports, pictures, invoice PDFs, and other items generated by the App can all be stored on Your device for offline access. The App may keep data locally on the User’s Device to make it easier for PassBook to provide these services to the User. The User agrees to the local storage of information on the User’s Device for the purpose of providing products and services via the App.
Device location accessibility:
The App accesses the location of Your Device as a security precaution and a way to combat fraud in order to verify banking transactions processed through the App. The App may access the Device’s location to make it easier for PassBook to provide these services to the User. The User agrees that PassBook may use the Device location to facilitate products and services through the App.
Collection of Information
PassBook gathers and keeps the User’s Personal Information that is occasionally submitted by the User when the User uses the Website/App. This enables PassBook to offer services and features most likely to satisfy Your needs, as well as to accustom the Website to suit Your needs and make Your experience safer and simpler.
PassBook respects its Users’ right to privacy and is committed to preserving it as described here. On a web page, “Cookies” or other comparable technology might be present. These are tools for gathering data to analyse our website’s traffic and gauge the success of our marketing campaigns. Cookies are small files that PassBook stores on Users’ computer’s hard disc to help with service and interest-based information delivery. The majority of cookies are session cookies, which means that after a session ends, they are instantly removed from Users’ hard drive. If the Users’ browser allows, Users’ may always choose not to accept a cookie.
Users are no longer anonymous to PassBook once they register for an account or establish an account on the Website and give PassBook their Personal Information. PassBook attempts to make it clear which fields are necessary and which ones are optional. Users may not receive the product or service they have requested from PassBook if they are unable to supply the information PassBook wants.
Information collected by PassBook would include:
PassBook collects and processes a variety of categories of Users’ Personal Information in order to determine Users’ eligibility and make the products and services available to them on the website, including the following:
- Personal information such as date of birth, age, marital status, birthplace, nationality, mother tongue;
- Contact information like name, address, telephone, and email address;
- Identifiers that are issued by the government, such as PAN and GST data;
- financial data, such as bank account information, credit/debit card information, billing details, tax details, and payroll details (as applicable);
- Photographs and signature copies;
- Information which would help determine Users eligibility to avail the services offered on the Website; and
- Any other information that PassBook is required to collect as per specific mandate from any bank, or under applicable law, regulation, rule or statute in India.
In addition to the aforementioned, PassBook may gather any additional consent or information for the mobile application in order to deliver a seamless mobile experience, such as but not limited to: SMS access for automatic OTP verification, camera/gallery/contacts access, and any other permissions necessary to enable specific functionalities within the mobile application.
Sharing of Information and third parties disclosures
As a technology aggregator, PassBook provides services through the Website/App. In light of this, PassBook may be forced to disclose User information in order to grant Users access to its services, to meet its legal duties, and to prevent, detect, mitigate, and look into fraudulent or unlawful acts relating to its services. PassBook does not share Your Personal Information with third parties unless expressly permitted under the terms contained herein.
If obliged to do so by law or in the good faith belief that such disclosure is advisable in order to answer to subpoenas, court orders, or other legal process, PassBook may disclose Personal Information.
In the good faith belief that such disclosure is reasonably necessary to: (a) enforce the Terms and Conditions or this Privacy Policy; (b) respond to claims that an advertisement, posting, or other content violates the rights of a third party; or (c) protect the rights, property, or personal safety of Users or the public, PassBook may disclose Personal Information to law enforcement offices, third party rights owners, or others.
To third parties who perform services for Us, We may divulge Personal Information as long as they abide by the confidentiality responsibilities outlined in this Privacy Policy. These third parties are only permitted to use Users’ Personal Information as required to deliver the website services that Users have requested or accessed. These services could include offering cloud computing infrastructure, reporting website crashes, analysing website usage patterns to better serve Users, and offering customer care or account management.
Data Retention
As long as the User’s account is active or as long as it’s necessary to provide Website services, PassBook will keep track of the Users’ information. In order to fulfil its legal duties, settle disputes, or pursue other business objectives, PassBook must keep and use the data it has gathered. PassBook is not obligated to keep the Users’ information if the Users deactivate, cancel, or unsubscribe from their account with PassBook. In order to maintain compliance with applicable regulations, PassBook may keep Users’ information for a period of twelve months after they cancel, deactivate, or unsubscribe from their PassBook accounts.
Data Security
The Users are aware of all security concerns, including the potential for third parties to intercept any online transactions or account statements they make or for them to learn the details of their transactions or statements. Users acknowledge and agree that they will not in any way hold PassBook responsible for this. It is Your responsibility and risk to use and keep any information, including but not limited to the credit card number, PIN, password, account information, transaction history, account balances, and any other information accessible or kept on the User’s Device. Furthermore, Users recognise that not all content or communications from or to their website may be encrypted by PassBook.
Collection of sensitive personal data or information by PassBook
In accordance with the rules of this Privacy Policy, Users have the right to withdraw their consent at any time in writing by sending an email to PassBook at [__]. Please be aware, though, that withdrawal of consent will only be effective going forward rather than being retrospective.
To access, examine, change, or correct their sensitive personal data or information, or to withdraw their consent to provide such data or information, You may write to PassBook at [__]. The veracity of the information submitted by Users is not guaranteed by PassBook.
The Users understand and agree that PassBook may limit or deny their ability to access, alter, or withdraw their consent to provide sensitive personal data or information as may be necessary to comply with any applicable laws, law enforcement requests, or legal processes.
Links to other sites
On the Website, there may be links to third-party advertisements, third-party websites, or other third-party electronic communication service run by a third party. Unless otherwise specifically stated on the Website, such links may not be managed by, related with, or associated with PassBook.
PassBook disclaims any liability for any transmissions of any kind that Users may receive from third-party websites. PassBook does not control or vouch for the truth, integrity, or calibre of any information, data, text, software, music, sound, photographs, graphics, videos, messages, or other materials found on such third-party websites, nor does it make any representations regarding the privacy practises or policies of such third parties or the terms of use of such third-party websites. The inclusion or omission of a third-party website, its operator, or any of its content does not constitute sponsorship by PassBook of those entities. It is advised that Users study the privacy policies of such third party websites prior to accessing such websites as the information given by Users to such third party websites shall be managed in line with such third party websites’ privacy policies.
Acknowledgements
By the usage of Website/ App by the Users, the Users acknowledge that PassBook will not be obligated to return their application or copies of any documents they have submitted to them upon their request. This applies only to the extent authorised by applicable legislation. It is against the law and a breach of these terms to gain unauthorised access to the Website. The Users acknowledge that PassBook’s offered interface is the only way to access the website.
The Users acknowledge and agree that this Privacy Policy:
- is clear, accessible, and provides statements of the PassBook’s information security policies and practises;
- provides for disclosure of information;
- provides for the various types of personal or sensitive personal data of information to be collected;
- provides for the purposes of collection and usage of the information; and
- provides for reasonable security practices and procedures.
- If the Users have any questions in respect of this Privacy Policy, You may write in the bellow mentioned email ID to the Grievance Officer appointed as per the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011: