Privacy Policy
Privacy Policy
This Privacy Policy (“Policy”) governs the manner in which RG Development Software Pvt. Ltd
(the
“Company” or “We”) collects, gains access to, uses maintains, and discloses information
including personal information of the users (each, a “User”) of various services
(“Services”) provided by the Company, either through the website of the Company or through
mobile applications or network telecom operators. Your Privacy is of utmost importance to us
and protection of your Personal Data is a key commitment for us.
Please note that the scope of this Policy is limited to the aforesaid information collected
or received by the Company through your use of the Services. By using the Service, you are
expressing your agreement to this Policy and the processing of your information, including
your personal information, in the manner provided in this Policy. If you do not agree to
these terms, please do not use the Service and do not provide the permissions when
specifically asked by the Company.
What do we collect?
We may collect and/or gain access to and/or record certain information including personal
information from or of User in a variety of ways, including, but not limited to, when User
access and uses the Services and in connection with other activities, services, features or
resources we make available on the Services. These information may relate to and include but
not limited to your name, email address, address, phone number, your unique device ID
(persistent / non-persistent), hardware type, international mobile equipment identity
(“IMEI”), the version of your operating system (“OS”), your device name, your email address
(if you have connected to Facebook or Google+), and your location (based on your Internet
Protocol (“IP”) address), contact list (on your mobile phone), applications installed by
User through our mobile application, applications uninstalled by User, all other
applications installed by User on his/her device, foreground running apps/process (RUN
event; We update server about the app downloaded/installed by our mobile application), read
SMS, network information, User behaviour analysis, demographic information (such as
preferences and interests etc), Credit/Debit Card information of User for Internet banking
(We do not store credit/debit card information on our servers) [hereinafter referred to as
“Personal Information”]. Users can always refuse to supply Personal Information; however, it
may prevent them from engaging in certain Services related activities.
Usage of Personal Information-
Your personal information may be used to-
Administer the Services.
Personalize the Services for User.
End to User direct links to the Services.
Process transactions.
Process installation.
Send newsletter, selective offers and promotions.
Develop, deliver, and improve our products, services, content, and advertising.
Auditing, data analysis, and research to improve the Services.
Troubleshooting and helping us to understand usage trends.
Send alerts to User.
Marketing and promotion of the Services.
Monitoring and reviewing services from time to time
Collection and use of non-personal information
We may collect non-personal information about Users whenever they use and interact with the
Services. Non-personal information may include the browser name, the type of computer, and
technical information about means used by the User to connect to our Services, such as the
information about the operating system and the internet service providers utilized and other
similar information.
This information is aggregated and used to help us provide more useful information to the
User and to understand which part of the Services, its products, and services are of most
interest.
If we do combine non-personal information with Personal Information, the combined
information will be treated as Personal Information for as long as it remains combined.
We may share Personal Information as well as non-personal information of the User with the
courts, police authorities, or any other government/regulatory/statutory authority, in case
these are required by them in relation to any proceedings pending before them.
We are committed to ensuring that the User’s Personal Information is secure. We adopt
appropriate data collection, storage, and processing practices and security measures to
protect against unauthorized access, alteration, disclosure, or destruction of the User's
Personal Information, username, password, transaction information, and data stored in our
Services.
When a User uses services and products offered by us through the Services, the Personal
Information shared by the User is visible to the other users and can be read, collected, or
used by them. The User is responsible for the Personal Information User chooses to submit in
these instances. For example, if the User lists his/her name and email address in a
blog/forum posting, that information is public. Users are requested to take care when using
these features.
A cookie is a small file that asks permission to be placed on the User’s
desktop/laptop/mobile device's memory drive. Once the User agrees, the file is added and the
cookie helps analyse web traffic. Cookies allow Services to respond to the User as an
individual. The Services can tailor its operations to the User’s needs, likes, and dislikes
by gathering and remembering information about the User’s preferences.
Cookies help us better understand User’s behaviour, and tell us which parts of the Services
Users have visited, and facilitates and measure the effectiveness of products and services
offered by us. We treat information collected by cookies and other technologies as
non-personal information. However, to the extent that internet protocol (IP) addresses or
similar identifiers are considered Personal Information by local law, we also treat these
identifiers as Personal Information.
We use traffic log cookies to identify which pages are being used. This helps us analyse
data about web page traffic and improve our Services in order to tailor it to customer
needs. We only use this information for statistical analysis purposes and then the data is
removed from the system.
Overall, cookies help us provide Users with a better experience of the Services, by enabling
us to monitor which pages Users find useful and which the Users do not. A cookie in no way
gives us access to the User’s desktop/laptop/mobile device or any information about the
User, other than the data a User chooses to share with us.
A User can choose to accept or decline cookies. Most web browsers automatically accept
cookies, but a User can usually modify its browser setting to decline cookies if the user
prefers. This may prevent the User from taking full advantage of the Services.
Sharing of information with Authorities
The Personal Information of the Users is shared as allowed under applicable laws, after
following due diligence, assessing the recipient’s privacy policies and practices, and in
line with the purposes set out in this policy. Personal Information is shared only after a
contractual obligation is imposed on the recipients to adhere to similar or no less
stringent privacy practices of RG Development Software Pvt. Ltd.
We may share your Personal Information in the course of your transaction with different
categories of recipients such as business partners, service providers, merchants,
affiliates, associates, subsidiaries, legally recognized authorities, regulatory bodies,
financial institutions, internal teams such as marketing, security, investigation team
etc.
Personal Information will be shared, as applicable, on need-to-know basis, for the following
purposes:
• for enabling the provision of the services availed by you and facilitating the services
between you and the service provider, as requested
• for complying with applicable laws as well as meeting the Know Your Customer (KYC)
requirements as mandated by various regulatory bodies, whose regulated service/product you
opt through our services/Platforms
• for completing a payment transaction initiated by you on a merchant site, where based on
your instructions, the merchant requests to fetch your Personal Information from
us
• for the purpose of processing your financial product subscription requests placed with us
and ensuring that these requests reach the relevant financial institution whose
service/product you have opted for
• if it is required by financial institutions to verify, mitigate or prevent fraud or to
manage risk or recover funds in accordance with applicable laws/regulations
• for services related to communication, marketing, data and information storage,
transmission, security, analytics, fraud detection, risk assessment and research
• enforce our Terms or Privacy Policy; respond to claims that an advertisement, posting or
other content violates the rights of a third party; or protect the rights, property or
personal safety of our users or the general public
• if required to do so by law or in good faith we believe that such disclosure is reasonably
necessary to respond to subpoenas, court orders, or other legal process
• with the internal investigation department within RG Development Software Pvt. Ltd. or
agencies
appointed by RG Development Software Pvt. Ltd. for investigation purposes located within or
outside
the Indian jurisdiction
• should we (or our assets) plan to merge with, or be acquired by any business entity, or
re-organization, amalgamation, restructuring of our business then with such other business
entity
While the information is shared, RG Development Software Pvt. Ltd. ensures that the
processing is
carried out only on behalf of RG Development Software Pvt. Ltd. and this policy is
applicable to the
extent possible.
Security
RG Development Software Pvt. Ltd takes various steps and measures to protect the security of
the
Personal Data of its users from misuse, loss, unauthorised access, modification or
disclosure. We use latest secure server layers encryption and access control on our systems.
Our safety and security processes are audited by a third-party cyber security audit agency
from time to time.
We also ensure the device binding so that the same login cannot be used on different device
without any additional authentication/OTP. The users are advised to not share their login,
password and OTP details with anybody.
How we use cookies?
"Cookies" are small files placed on your device hard-drive/storage that assist us in
providing our services. Cookies do not contain any of your Personal Information. We may use
cookies to give the users a better experience while using our website. We will ask for your
consent to our use of cookies the first time that you enter our website. We use cookies or
similar technologies on certain pages of the Platform to help analyse our web page flow,
measure promotional effectiveness, and promote trust and safety.
We offer certain features that are only available through the use of a "cookie" or similar
technologies. We also use cookies to allow you to enter your password less frequently during
a session. Cookies or similar technologies can also help us provide information that is
targeted to your interests. Most cookies are "session cookies," meaning that they are
automatically deleted from your device hard-drive/storage at the end of a session. You are
always free to decline/delete our cookies or similar technologies if your browser/device
permits, although in that case you may not be able to use certain features on the Platform
and you may be required to re-enter your password more frequently during a session.
Additionally, you may encounter "cookies" or other similar technologies on certain pages of
the Platform that are placed by third parties. We do not control the use of cookies by third
parties.
Retention of Personal Information
We will retain User’s Personal Information for the period necessary to fulfil the purposes
outlined in this Policy unless a longer retention period is required or permitted by
law.
Sharing Personal Information
We may use third-party service providers to help us operate our business and Services or
administer activities on our behalf, such as sending out newsletters or surveys. We may
share the User’s Personal Information with these third parties for those limited purposes.
Third party websites
Users may find advertising or other content on the Services that link to the sites and
services of our partners, suppliers, advertisers, sponsors, licensors, and other third
parties. We do not control the content or links that appear on these sites and services and
are not responsible for the practices employed by those websites and services linked to or
from our Services. In addition, these sites and services, including their content and links,
may be constantly changing. These sites and services may have their own privacy policies and
customer service policies. Browsing and interaction on any other website, including websites
and services which have a link to the Services, is subject to that website and services’
terms and policies.
Advertisement appearing on the Services may be delivered to the User by advertising
partners, who may set cookies. These cookies allow the ad server to recognize the User
computer each time they send the User an online advertisement to compile non-personal
information about the User or others who use the User computer. This information allows
advertisement networks to, among other things, deliver targeted advertisements that they
believe will be of most interest to the User. This Policy does not cover the use of cookies
by any advertisers.
The Company has the discretion to update this Policy at any time. We encourage User to
frequently check this page for any changes to stay informed about how we are helping to
protect the Personal Information we collect. User acknowledges and agrees that it is his/her
responsibility to review this Policy periodically and become aware of
modifications.
By using the Services, User signifies his/her acceptance of this Policy. If the User does
not agree to this Policy, please do not use the Services. User continued use of the Services
following the posting of changes to this Policy will be deemed User acceptance of those
changes.
Advertising
We may share non-personally identifiable information with advertisers. We also allow
specific partners to collect information from your browser or device for advertising and
measurement purposes using their own cookies or similar technologies.
Choice/Opt-out
We provide all users with the opportunity to opt-out of receiving any of our services or
non-essential (promotional, marketing-related) communications from us, after setting up an
account. If you want to remove your contact information from all our lists and newsletters
or discontinue any our services, please click on the unsubscribe button on the emailers.
Personal Information Access and Rectification
You can access and review your Personal Information shared by you by logging in to RG
Development Software Pvt. Ltd Platform using your secure login credentials and may also
place a
request for updating your Personal Information by writing to us. RG Development Software
Pvt. Ltd may
need to request specific information from you to confirm your identity and ensure
authentication to correctly update your Personal Information. This is a security measure to
ensure that Personal Information is not disclosed to any person who does not have a right to
receive it or is not incorrectly modified.
In case, where you need any further information specific to the product/ services that you
are availing or our use of your Personal Information, we request you to read through the
Terms and Conditions specific to the product/service which is easily accessible through the
RG Development Software Pvt. Ltd Platform.
Children Information
We do not knowingly solicit or collect Personal Information from children under the age of
18 and use of our Platform is available only to persons who can form a legally binding
contract under the Indian Contract Act, 1872. If you are under the age of 18 years then you
must use the Platform or services under the supervision of your parent, legal guardian, or
any responsible adult.
Changes to Policy
Since our business changes constantly, so will our policies. We reserve the right, at our
sole discretion, to change, modify, add, or remove portions of this Privacy Policy at any
time without any prior written notice to you. We may, however, reasonably endeavour to
notify you of the changes, it is your responsibility to review the Privacy Policy
periodically for updates/changes. Your continued use of our services/Platform, following the
posting of changes will mean that you accept and agree to the revisions. We will never make
changes to policies in order to make it less protective of Personal Information already
shared by you.