Privacy Policy.
We aim for the highest standards of safety, security and confidentiality when using your data, and this policy describes how we (“Trexo”) collect and use your (“User”) information and discusses this in detail in the below mentioned sections.
Our Privacy Promise
- To keep your Personal Data safe and private.
- To empower you to manage and review your marketing choices.
- Not to sell your Personal Data to any third party.
By using our products or services, you agree to this Privacy Statement and provide your free, specific, informed, unambiguous and unconditional consent to the practices described in this Privacy Statement. Trexo collects your Personal Data only to the extent necessary to process your requirements, in the manner prescribed in this Privacy Statement, and in accordance with the applicable laws. However, in case you choose not to share your Personal Data as required, with us, we may not be able to provide you with any products or services.
Governing Laws
Our commitment to safeguarding your privacy has been outlined in this Privacy Statement, which shall be governed by the Information Technology Act, 2000, and other applicable laws of India, subject to the exclusive jurisdiction of Courts of Mumbai. Further, this Privacy Statement has been made in lines with the compliance requirements under ISO 27001.
Applicability
This Privacy Statement outlines how Trexo collects, uses, shares, retains, transfers, and stores your Personal Data. Anytime you register on our website/app, you are required to comply with our Privacy Policy.We will use your data for legitimate purposes only while safeguarding your privacy concerns. By mere use of the website, you expressly consent to our use and disclosure of your personal information (all forms of information, physical and digital including Sensitive Personal Data) as per this Privacy Policy.
As it is your data, you have the right to know how this Privacy Policy applies to you. If at any point in time, an individual provides data or other information about someone other than himself or herself, the individual warrants that they have that person's consent to provide such information for the purpose specified.
For purposes of this Policy, “Personal Data” refers to any piece of information that we, as a Company, can use to verify you as a real-life human being. For example, an e-mail ID linked to your social media accounts. “Sensitive Personal Data” translates to any highly confidential information — i.e. records not available in the public domain — that you provide to us.
Besides these, any information that is freely available, accessible in the public domain, furnished under the Right to Information Act, 2005 or any other law for the time being in force — shall not be regarded as Sensitive Personal Data or information.
What do we collect?
We intend to provide services and features that meet your needs. To do so, when you use our website, we collect Personal Data required by law from time to time. We would collect the following data from you —
- Device Information: Information such as device ID, pages accessed, installed apps, IP address, mobile network, operating system or a unique identifier. We will link your mobile phone number with your device. This helps us analyse how our app works, fix any issues, keep the app safe and ensure a seamless experience for you.
- Personal Data: Such as name, date of birth, residential status, postal address, e-mail address, mobile number, PAN details etc. This helps us fulfil our legal obligations which require us to confirm your identity.
- Location information: If you have authorized tracking which will help us provide you location-based services and protect you against fraud.
- Cookies: Cookies aid us in recognizing you as a customer and remember your preferences so we can personalize our services. Cookies are required to prevent fraud and ensure the security of websites we control. You are free to decline our Cookies if your browser permits this. However, that may not guarantee you a seamless user experience.
- Salary Information: So that we can provide you with a customized experience based on your financial appetite.
- Chat conversations: Information you give us through Trexo chat so we can help you.
- The use and transfer to any other app of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.
- Any other information that is required to be collected as per specific mandate from any bank or as a legal requirement in India.
How do we use your information?
We primarily collect your Personal Data to provide you with a secure, smooth, and efficient experience on our website. Not only does this help us personalize and improve your experience, but the additional information also helps prevent misuse.
We try our level best to indicate, whenever possible, if the data fields are either required or are optional. However, if you are unable to provide the required information we need, we may not be able to provide you with the product or service you have requested.
- To provide additional services including customer support.
- To process transactions and verifying your identity (including during account creation and password reset processes). To provide
- To generate and maintain your profile on the Trexo app.
- To contact you through any communication channel, including but not limited to Voice Call, SMS, Email, etc. — in accordance with applicable laws.
- To remedy fraud or other potentially prohibited or illegal activities and detecting/preventing violations of policies or applicable user agreements.
- To provide you offers and customizing offers for you.
The data that you provide via your email inbox (from mail provider) will be used only to provide direct features mentioned on the app or website. In case we wish to use your data further, we shall you’re your express consent for it and only after your express consent will we use the data.
Who do we share your data with?
Your Personal Data is only accessible to those with a legitimate need-to-know clearance. All such information remains safeguarded as per the Data Protection Rules, and applicable International Standard Organisation norms. We share your Personal Data with the following:
- Members of Trexo (including our affiliates/subsidiaries and business partners) for services such as providing content, products, customer support etc.
- Financial institutions and partner banks;
- Credit bureaus (which helps us to support responsible lending and assist consumers in understanding where they stand with their credit) and collection agencies;
- Law enforcement, government officials, or other third parties pursuant to a subpoena/ summon, court order, or other legal process or requirement applicable to the Company or one of its affiliates/subsidiaries; when we need to do so to comply with law;
- Where necessary to exercise, establish or defend legal rights, including to enforce our agreements and policies;
- We may process, store, and retain your Personal Data on its servers where the data centres are located, and/ or on the servers of third parties having contractual relationships with it. We do not transfer any Personal Data to such a country or territory outside India as restricted by the Government.
We take care to allow your Personal Data to be accessed only by those who really need it in order to perform their tasks and duties and to third parties who have a legitimate purpose for accessing it and with your consent. Personal Data will be transferred only to a third party that ensures the same level of data protection that is mandated under the Information Technology Act 2000 (“IT Act”) and the Information Technology (Reasonable security practices and procedures and Sensitive Personal Data or information) Rules, 2011 (“Data Protection Rules”).
If we go through a corporate sale, merger, reorganization, dissolution or similar event, Personal Data we gather from you may get transferred in connection with such an event. Any acquirer or successor of the Company may continue to use the information described in this Privacy Policy.
How do we secure your data?
We use several industry-standard security technologies and procedures devised to help protect your data from unauthorized access, use, or disclosure. We use all reasonable and appropriate technical and organizational security measures to protect the security of your Personal Data both online and offline including the implementation of access controls, implementation of firewalls, network intrusion detection and use of anti-virus software. However, please note that no system is completely secure. So, while we strive to protect your data, we cannot guarantee that unauthorized access, hacking, data loss or a data breach will never occur.
What are your rights?
In addition to being able to update and correct your Personal Data, you may also have other data protection rights. This revolves around what you can let us do (or not do) with your information.
- If we have collected and processed your Personal Data with your consent, then you have the right to withdraw your consent at any time stating your reasons or concerns.
- Withdrawing your consent will not affect the lawfulness of any processing we carried out before your withdrawal, nor will it affect processing of your personal data carried out in reliance on other lawful grounds other than consent.
- You also have a right to ask for a copy of your personal data in a portable (machine-readable) format. You can also say no to us using your personal data for direct marketing and in certain other ‘legitimate interest’ circumstances.
- We will keep your personal data for as long as it is needed to carry out the purposes we've described above, or as otherwise required by law. Generally, this means we will keep your personal data as long as your account is active or as needed to provide our services. If you cancel/ deactivate/ unsubscribe your account with us, we are not under any obligation to retain your information. However, we may retain your information for twenty-four (24) months (post cancellation/ deactivation), as our business practice.
- As per the existing legal regulations, specific data fields (such as name, address etc.) would be locked once you enter that. There would be a separate procedure to modify such information, you can find out further details by contacting us through the self help tools in the app.
- you can make any of these requests by contacting us at __________________. We will respond to all requests in accordance with the applicable laws.
Please note this Privacy Policy may change at any time without prior notification. To make sure that you are aware of any changes, kindly review the policy periodically. The revised version will be effective as of the published effective date. We welcome your comments or questions regarding this Privacy Policy.
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