INFORMATION SUPPLIED BY USERS
To avail certain services on the Platform, users are required to provide some “Personal Information” for the registration process and creation of SayF Account which may include:-
1. Your Name
2. Email Address
3. Phone Number
4. Access to Camera
5. User Images
6. Access to your phone’s contact list Access to your phone’s SMS inbox records
7. Debit card, credit card or bank details(SayF doesn't store details)Surveys that you complete through the Website or Platform or based on our request
INFORMATION AUTOMATICALLY TRACKED WHILE USING THE PLATFORM
The Platform also collects partial payment data and other informationa rising out of transactions made from cards, banks or while using other services through SMSes, after obtaining the User’s specific consent to allowthe Platform to access the User’s SMS inbox. The Platform accesses businessmessages that originate from alphanumeric senders. The Platform may readpersonal and OTP messages only for the purpose of providing better personalizedService. No personal SMSes or OTPs are backed up.The collection of suchinformation is only limited to the extent that such data is available in therelevant messages. SayF may also record the identity of the product or serviceand the price or fee paid or payable in respect thereof. We may reference other sources of demographic and other information in order to provide you with moretargeted communications and promotions. We may use Google Analytics, amongother analytics and marketing tools, to track user behaviour on our Platform tohelp us gain an understanding of our users’ demographics and interests.. Thesetools may collect and track app usage data and leverage user identifiable datafor analytics and marketing purposes.Our servers automatically collect limited information about your device’s connection to the Internet when you use thePlatform. We automatically receive and log information from the Platform including but not limited to IP address, your device’s name, and your operating system. We may also collect log information from your device, including but notlimited to your location, IP address, your device’s name, device’s serial number or unique identification number, your device operating system, andversion, CPU speed, and connection speed etc.
LINKS TO THIRD PARTY SITES
USE AND STORAGE OF INFORMATION
We use your Information for the following purposes to operate andadminister your SayF account and to provide services that you have requested Tocarry out your instructions to make and/or receive payments and undertaketransactions using our Services To allow you to participate in interactivefeatures of the PlatformTo notify you about changes to our service(s) Toimprove our internal customer training To comply with financial services regulations Forfinancial and identity checks, fraud prevention checks, anti-money launderingand credit checks For customer service, including answering questions andresponding to feedback and complaints To enhance the security of our Services Toensure that content on our Platform is presented in the most effective mannerfor you and for your device andToprovide you with information, products or services that you request from us orwhich we feel may interest youRetention of Data: We are required underapplicable laws to retain certain records for a certain period of time afterclosure of your SayF account, which will include your personal data such asyour name, contact details, customer number and transaction history, etc.("Retained Data"). Other than the Retained Data, we will delete anddestroy all Personal Information that we hold about you when you (or we)terminate your SayF account. Under no circumstances, we store your paymentcredentials. Please note that we will never ask you to disclose your personalor security details by e-mail. If you receive any e-mail purportedly from SayFrequesting your personal or security details, please do not respond to it (SuchE-mail). Please forward any Such E-mail to us at firstname.lastname@example.org and thereafterdelete the e-mail immediately.
DISCLOSURE OF INFORMATION
We do not disclose your Information to any third parties other than the SayFaffiliates and the following:a prospective buyer of our business or a buyer ofa substantial number of the shares in our business the police, other lawfulenforcement body, regulatory body or Hon’ble Court if we are under a duty orrequired by law to disclose or share your personal data, or to protect therights, property, or safety of ourselves or our group companies, our customers,or others Financial institutions with whom we partner to jointly provide betterservices, facilities or products to you. These financial institutions may onlyuse your information for providing to you their services and market SayFrelated products without requiring your further consent. Third parties whereyou have expressed an interest in receiving information about their goodsand/or services Third parties who referred you to us initially and to whom weowe a commission payment as a result of the referral. Where the commissionpayment is based on transaction volumes, numbers or types of transactions, wemay share that information with that third party, but we will not disclose thefull details of each of your transactions without your further written consentand Third parties we may occasionally use to provide you with the services thatyou have requested. We require these third parties to not use your personalinformation for any other purpose.We also use Information in aggregate form (sothat no individual user is identified):To build up marketing profiles To aidstrategic development To audit usage of the Platform. We reserve the right todisclose Information if required to do so by law or if we believe that it isnecessary to do so to protect and defend the rights, property or personalsafety of the Platform, or its users.
ANTI-MONEY LAUNDERING POLICY
We may contact you via the e-mail address and phone number registered withyour SayF account. You may also receive system-generated transactional e-mailssuch as confirmations, notification of receipt of payments, notification ofpassword changes etc. which are necessary for the proper operation andadministration of your SayF account. You expressly consent to receive suchcommunications from us, irrespective of whether your phone number is registeredon the National Do-Not-Call Registry or Do-Not-Disturb Registry. As a SayFaccount holder, you will occasionally receive information by e-mail from us,unless you have expressly chosen not to receive such communication, aboutproducts, services and special deals which we think will be of interest to youvia our newsletter. You can change whether or not you wish to receivenewsletters from us. However please note that you will still receivecommunication regarding your SayF account such as transactional e-mails orother notifications affecting the operation of your SayF account or our legalrelationship.
Phishing is the name given to attempts to steal personal details and financial account details from a Platform user. "Phishers" use fake or "spoof" emails to lead users to counterfeit websites where the user is tricked into entering their personal details, such as financial credentials, user-names and passwords. If you receive such an e-mail or are asked for your password by anyone claiming to work for us please forward thee-mail or report the incident by e-mail to us at email@example.com.
You may choose not to provide us with any Information while accessing the Platform. In such an event, you will not be able to access and use those portions of the Platform that require your Information.
CONFIDENTIALITY AND SECURITY
INFORMATION STORAGE AND BACKUP
We take a backup of your data on Platform on our Cloud database. This is done for the purpose of enabling users to get their data back in case their phone’s data becomes unusable, if the phone is lost, or the user moves to a new phone device. We also use this backup to provide useful insights and information related to their spends such as weekly spends in a month, insights related to spend behavior, etc., and to provide information related to user spends, patterns and user data in the form of aggregated and anonymized statistics on data such as user spends by category, date, time, bank balances, etc.
You have a legal right to a copy of any Information about you held by us. You also have a right to correct any errors in that Information. As mentioned above, you have a right to request that we cease to use your Information for direct marketing purposes. For exercising this right, please feel free to contact us at firstname.lastname@example.org.
RESTRICTION OF LIABILITY
We make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the contents of Platform and expressly disclaim liability for errors and omissions in the contents of the Platform. No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given with respect to the contents of the Platform or its hyperlinks to other internet resources. The contents of this Platform are under copyright and/or trade mark of their original author(s) unless otherwise noted on the page itself.