Privacy policy – One Stop Solution

Privacy Policy

1. Introduction

1.1. This Privacy Policy (“Policy”) outlines the practices in relation to the storage, use, processing, and disclosure of your personal data that may be accessed or shared with us when you download and use our mobile application or use the services available on our website (the website and mobile application are collectively referred to as the “Platform”).

1.2. The services offered on or through the Platform are referred to as “Services.” Please note that unless specifically defined in this Policy, capitalized terms shall have the same meaning ascribed to them in the Terms and Conditions (“Terms”). Please read this Policy in conjunction with the Terms.

1.3. We are committed to protecting your personal data and respecting your privacy. Please read this Policy carefully to understand our practices regarding your personal data and how we treat it. This Policy sets out the basis on which any personal data we collect from you, we collect about you, or that you provide to us, will be processed.

1.4. By providing consent to process your personal data, you acknowledge that we will collect, store, use, and disclose your personal data in accordance with this Policy.

2. The Data We Collect About You

2.1. We collect, use, store, transfer, or otherwise process personal data about you to provide you with, or in connection with, the Services, to the extent permissible under applicable law. Such personal data includes:

Identity Data: Includes your first and last name, date of birth, marital status, title, gender, educational qualifications, employment status, organization name, identification documents, and health and lifestyle information.
Profile Data: Includes your username and password, purchases, interests, preferences, feedback, and survey responses.
Contact Data: Includes your phone number, email address, and residential address.
Financial Data: Includes financial information, bank account details, tax residency details, income details, and other financial documents.
Transaction Data: Includes details of transactions made through the Platform, payment details, and services/products you have purchased.
Credit Data: Includes credit information, credit scores, and reports from credit information companies.
Marketing and Communications Data: Includes preferences regarding receiving marketing communications from us and third parties.
Technical Data: Includes your internet protocol address, browser type, device information, operating systems, and other technology you use to access the Platform.
Usage Data: Includes information on how you use the Services.

2.2. We do not access your mobile phone resources like file/media (except for document uploads) or contact list. However, we may access the camera, microphone, location, or other facilities solely for identity verification or compliance checks when required, after obtaining explicit consent.

2.3. We are required to collect personal data to provide you access to the Platform and Services. Failure to provide the necessary data may prevent us from fulfilling our obligations, and we may need to limit or cancel your access to the Services.

2.4. We may collect and share aggregated, non-personal data for statistical or demographic purposes.

3. How We Collect Data About You

3.1. We use different methods to collect and process your personal data, including:

Information You Provide: Data provided when using our Services or corresponding with us, such as registering for an account or reporting an issue.
Information Collected About You: Data automatically collected using cookies and tracking technologies during your visit to the Platform.
Information From Third Parties: We may receive personal data from third parties such as credit information companies, analytics providers, and other sources, with your consent.

4. How We Use Your Personal Data and For What Purposes

4.1. We will only use your personal data in accordance with applicable laws. Most commonly, personal data is used to provide Services or comply with legal obligations.

4.2. You consent to receiving communications from us, our partners, and affiliates through email, phone, or other channels to ensure you are aware of all available services.

4.3. We use your personal data for the following purposes:

Registering you as a user of the Platform.
Creating and verifying your account.
Providing Services and managing our relationship with you.
Conducting compliance checks such as KYC (Know Your Customer).
Processing payments and authenticating transactions.
Administering and protecting the Platform, troubleshooting, and improving our services.
Delivering content to you and sending communication related to your use of the Platform.
Conducting marketing and promotional activities.
Detecting fraud or illegal activities and responding to cybersecurity incidents.
Ensuring compliance with applicable laws.

4.4. Credit data will be shared with third parties only with your authorization.

4.5. We may partner with account aggregators to collect and use your financial data in accordance with applicable laws and your consent.

4.6. We may assist you with our services through screen sharing and access to your device during co-browsing sessions. No data will be recorded or stored during this process.

5. How We Share Your Personal Data

5.1. Personal data may be shared with our group companies, affiliates, or third parties, based on your consent and applicable laws.

5.2. We may share data if required by law or legal processes to ensure compliance with regulations.

6. Data Security

We implement appropriate security measures to protect your personal data from unauthorized access, following applicable security standards.

7. Data Retention and Destruction

7.1. Personal data will be retained as required by law or for the duration of the contractual relationship.

7.2. Upon the completion of the retention period, data will be deleted, destroyed, or anonymized.

8. Your Legal Rights

8.1. You have the right to review, correct, or request the deletion of your personal data in accordance with applicable laws.

8.2. To exercise your rights, you can contact our Grievance Officer, whose details are provided in Section 14.

9. Transfer of Personal Data

All personal data is stored on systems located within India. No transfer of personal data occurs outside India.

10. Links to Third Party Websites

Our Services may contain links to third-party websites. Please note that these third-party services are governed by their own privacy policies, and we are not responsible for their practices.

11. Cookies

11.1. Cookies are used to enhance your experience on the Platform and to improve the Services. Cookies help us administer the Platform and provide personalized services.

11.2. Cookies do not access personal information on your device. You can manage your cookie preferences through your device settings.

11.3. Third-party cookies may also be used on the Platform, but we do not control their use.