Bank Balance App- Privacy Policy

Privacy Policy and Security Policy

 

Keeping Personal Information of customers secure and preventing any misuse thereof is very important for Fund Easy and Milan Seth. FundEasy’s or Milan Seth’s products, software, services and Website shall be referred as “Services”. Fund Easy or Milan Seth shall not be held liable for disclosure of the confidential information when in accordance with this privacy Commitment or in terms of the ‘Terms of Use’ of Services or agreement, if any, with the customers.

This Privacy & Security Policy (hereinafter referred to as “Policy”) explains how we protect Personal Information provided on our products, software, services and Website (hereinafter referred to as “Services” or “Service”) and how we use that information in connection with our service offered through the products, software, services and Website (hereinafter called as “Service” or “Services”).

Personal Information

Personal Information (which may be a Sensitive Information “SI”) means any information /documents/details that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the FundEasy, can identify such person.

Applicable To

his Policy is applicable to the Personal Information (including but not limited to details pertaining to your name, parentage, marital status, nationality, state of residence, city of residence, email address, date of birth, gender, contact number/mobile number, user ids, passwords, recent photograph, signature image, e-KYC through UIDAI, Aadhaar based e-Signature and other Know Your Customer (KYC) documents like address proof, identity proof, income proof, PAN or such other officially valid documents/details (OVDs) accepted for concluding a financial transaction) which are shared/ uploaded by you, as and when you avail the products and services via the online application forms and questionnaires through usage of Services and which FundEasy may get access to. By visiting and/or using our Services, you agree to this Policy. Further, this policy applies to all current and former visitors to the Services. It is strongly recommended for you to return to this page periodically to review the most current version of the Policy. FundEasy reserves the right at any time, at its sole discretion, to change or otherwise modify the Policy without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Policy. However, if we make any material change to the Policy, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Website prior to the change becoming effective.

Express Consent

You while providing the details/documents over the Services, including but not limited to Personal Information as mentioned hereinabove, expressly consent to FundEasy (its affiliates and business partners) to contact you, to make follow up calls in relation to the services provided through the Services, for imparting product knowledge, offering promotional offers running on Website & various other offers offered by its partners on the Services.

The usage of the Services may also require you to provide consent for keying in/ uploading your Personal Information and Sensitive Information (including but not limited to user ids and passwords), as may be necessary to process your application through the Website. Sensitive information keyed in/ uploaded shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you.
You hereby authorize and expressly consent us to share your demographic and Personal Information with third parties and for FundEasy to send you targeted communications and offers by agreeing to the Terms of Use while accessing the Service.

If you are no longer interested in sharing your Personal and Sensitive Information, please e-mail your request at: [email protected] Please note that it may take about 72 business hours to process your request. In furtherance to your usage of the Services, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you for this purpose. Hence, there is no DNC / DND check required for the number you have used our Services. Such modes of contacting you may include but not limited to sending SMSs, email alerts and / or telephonic calls.

FundEasy reserves the right (and you expressly authorize FundEasy) to share or disclose your Personal Information/ Sensitive Information when FundEasy determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.

Opting Out Of Communication

In case you do not want to be disturbed over telephonic calls, provide details of the telephone number(s) on which you do not wish to be contacted and submit the same at [email protected] from your email address registered at Services. The details that you provide through the opt-out email will remain confidential and once you have submitted the same to us, your telephone number(s) will be removed from all our telemarketing calling lists within 15 working days. We will make every effort to ensure that you do not get any further telemarketing calls on such telephone number(s).

Usage and Purpose

FundEasy will not sell or rent your Personal Information to anyone, for any reason, at any time. However, we will be sharing your Personal Information/ Sensitive Information with our affiliates and business partners where we feel that you will be assisted better. By registering on the Services, you authorise FundEasy to send texts and email alerts to you and any other service requirements, including promotional mails and SMSs Further. This allows FundEasy to:

-Analyse usage of the Services and to improve based on the data
-Send you any notices, offers and communications
-Enable you to apply for certain products and services for which you have chosen to apply
-Troubleshooting issues, detecting and protecting against error, fraud or other criminal activity, project planning, market research
-Bind third-party contractors that provide services to FundEasy and are bound by these same privacy restrictions;
Comply with all applicable laws and regulations
-Enforce FundEasy’s Terms of Use.

In the event that you access the Service as brought to you by one of our partners through Services, your name, e-mail address, mobile number, date of birth, employment type, residency status, income details/proofs, Form 26 AS, PAN, details of loan / credit card/ Mutual Fund applied for and loan, credit card and Mutual Fund status or any other financial product status as may be provided to that partner when your application is submitted and whenever the status of application is updated. FundEasy has a business relationship with these partners and you may not opt-out of sharing your information with these partners as the case may be.

You may opt out of location based services at any time by editing the setting of your browser/device.

We may also use third party service providers to provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your Personal Information for purposes unrelated to the product or service they’re providing. We require such third parties to maintain the confidentiality of the information provide to them.

Sharing

FundEasy does not disclose sensitive personal data or Personal Information including SI of a customer except as directed by law or as per mandate received from the customer / applicant. You can request the information on whether FundEasy holds and personal information on you by sending a written request to [email protected] However, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and to enforce our agreements.

No specific information about customer accounts or other personally identifiable data is shared with non-affiliated third parties unless any of the following conditions is met:

-To help complete an order requested by you
-To provide support services , provided it conforms to the Privacy Policy of the FundEasy and your prior consent to do so is obtained
-You have specifically allowed it
-The disclosure is necessary as required by law, such as to comply with a subpoena, or similar legal process
-The information is shared with Government agencies mandated under law
-The information is shared with any third party by an order under the law
-When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

If you choose to apply for separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies. We are not responsible for their privacy policies.

System Logs

This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you. This includes but is not limited to marketing, analytics, or Website functionality.

Tracking

FundEasy and its partners use cookies or similar technologies to analyse trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level.

Targeting

We partner with a third party service provider to either display advertising on our Website or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on our Services and other Sites in order to provide you advertising based upon your browsing activities and interests.

Testimonials

FundEasy may post your testimonial along with your name. If you want your testimonial removed, please contact us at [email protected]

Links to third party websites

Our Services include links to other websites. If you submit your Personal Information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any Services you visit.

Data Security

All your personal information is encrypted and kept secure. All care is taken to prevent any un-authorised access.

Login Credentials

You are solely responsible for maintaining the security of your login credentials. For any security concerns mail to [email protected]

Grievance Redressal

For any questions or concerns around the privacy policy, drop an email at [email protected]

 

Last Updated 29 Oct 2018