Thank you for showing interest in Mswipe Technologies Private Limited (“we”, or “us”), www.mswipe.com (“Website”)! We value the trust you place in us by sharing your personal data on our website. We are committed to protecting your privacy. This Privacy Policy explains how we collect, use and share your personal data on the website and our payment products and applications.

Types Of Information We Collect

We collect personal data from you in a variety of ways when you use our application, such as:

Account. We collect, and associate with your account information, your name, your company’s name, birth date, email address, phone number, profile details, work, gender, business details, address and other personally identifiable information. If you create an account by logging in with your credentials from your third-party account with certain social networking sites (such as Twitter, LinkedIn, Google+ or Facebook), we may receive information about you from such social networking sites, in accordance with the terms and use and privacy policy of that social networking site. We work with such social networking site’s application protocol interface (API) in a way that allows you to authorize us to access your account on that social networking site on your behalf. If you consent to our sharing your information with these social networking sites (e.g., post public content on your wall/profile page), we will share information with them in accordance with your privacy choices. Once we share your information with these social networking sites, the terms and policies of these sites, and not our Privacy Policy, will apply to their use of your information.

Use Related. When you use our Website, App and/or products, we store, process and transmit your files (like images, videos, audio, telephone calls, emails, feedback, postings, comments, log file information from browser, software etc., metadata and other data) and information related to them. If you give us access to your contacts, we will store those contacts on our servers for you to use. This will make it easy for you to do things like share your data, send emails, and invite others to use our Website and/ or App.

Usage.We collect information about your business, expertise, transactions and preferences as per the data input by you. Your devices may also transmit information to us including your location, sales, transactions etc.

Cookies and other Technologies. We use technologies like cookies and pixel tags to provide, improve, protect and promote our Website and/ or App. For example, cookies help us with things like remembering your username for your next visit, understanding how you are interacting with our Website and/ or App, and improving it based on that information. We use software tools to collect information about how you interact with our Website and/ or App, such as clicks, touch gestures, drags, hover-overs, response times and errors. You can re-set your phone settings to not accept cookies, but this may limit your ability to use our Website and/ or App. We may ask our other partners to serve ads or services to your devices, which may use cookies or similar technologies placed by us or the third party. We do not control use of such technologies used by advertisers and partners and we expressly disclaim responsibility for information collected through them.

Analytic Services. We may use third party analytics services such as Google Analytics, KISSmetrics and Comscore based on the need, enabling us to collect information about how you use and interact with our Website and/ or App. Such third party analytics services may use cookies to gather information upon your use of our Website and/ or App. We use these analytics services to analyze how people use our Website and/ or App, to improve them, to customize the content/features users see/use based upon their interests and to send emails or messages to users who are not actively using our Website and/ or App. For more information about how these entities use this information, please refer to their privacy policies made available on their respective websites.

Information Collected from Third Parties. We may receive information about you from third parties that offer hyperlinks to our Website and/ or App on their products and/or services. These third parties may supply us with your information. We may add this information to the information we have already collected from you via our Website and/ or App and/or products and/or services in order to improve the products and/or services we provide on our Website and/ or App.

How We Use Your Information

General Use. In general, the information you submit to us is used either to respond to requests that you make, or to aid us in serving you better. We may use your information in the following ways:

(a) To send you a welcome e-mail or message and to verify ownership of the e-mail address or mobile number provided when your user account was created;

(b) To identify you as a user in our system;

(c) To provide access to our application;

(d) To facilitate the creation of and secure your user account;

(e) To provide improved administration of our application;

(f) To notify you about updates to our application;

(g) To improve and customize the quality of experience when you interact with our application;

(h) To send you administrative e-mail or message notifications, such as security or support and maintenance advices;

(i) To engage with or contact inactive users of our application;

(j) To direct certain content and advertisements to you so that you are more likely to see content and advertisements that are relevant to you;

(k) To analyze the data submitted by you;

(l) To send offers and promotional materials related to our application and/or products and/or services and those of third parties for marketing and other purposes.

We may also use and share aggregated or de-identified information for any purpose and in any manner. This anonymous data we share may include non-personally identifiable data that we create using your personal data by excluding information that makes the data personally identifiable.

“How We Share Your Information”

We may share information as per terms of this Privacy Policy; however, we shall endeavor that such use of information does not create hindrance on your use of our application. We do not share your personal data with third parties other than as follows:

"Others working for us." We use certain trusted third parties to help us provide, improve, protect, and promote our application (such as third-party analytics tools to help us measure traffic and usage trends for our application). These third parties will access your information only to perform tasks on our behalf and in compliance with this Privacy Policy.

“Generally with your Consent.” Any information or content that you voluntarily disclose for posting on our application may become available to the public, as controlled by any applicable privacy settings that you set. To change your privacy settings on our application, you may change your profile setting. Once you have shared the content/data or made it public, that content/data may be re-shared by others.

“Enforcing Rights.” We may also disclose personal data to enforce our policies, respond to claims that a posting or other content violates others’ rights, or protects anyone’s rights, property or safety.

"Law & Order." We may disclose your information to third parties if we determine that such disclosure is reasonably necessary to: (a) comply with the laws; (b) protect any person from death or serious bodily injury; (c) prevent fraud or abuse of our name, brands, trademarks or such other rights belonging to us or our other users; or (d) protect our rights.

Stewardship of your data is critical to us and a responsibility that we embrace. We believe that our users’ data should receive the same legal protections regardless of whether it’s stored on our servers or on their home computer systems or devices. We will abide by the following principles when receiving, scrutinizing and responding to government requests for our users’ data:

Be transparent,

Fight blanket requests,

Protect all users, and

Provide trusted services.

Storage of Information

"Retention." We will retain your personal data after your last transaction / interaction till the purposes for which we process them (we refer to the purposes as listed above in this policy) are met Or where we are legally obliged to do so by the law, or where this is necessary for defending our interests in the context of judicial proceedings, or establish, exercise or defend our legal rights, we will store the personal data for longer periods. The retention of your personal data is governed by our organizational policy which in turn is in compliance with the applicable laws and regulations. If you have any questions about our retention measures, please contact us.

Security of Personal Data

We use commercially reasonable safeguards to help keep the information collected through our application secure and ensuring a level of security (such as requesting a unique password) in commensurate with the risks assessed to the personal data. We protect your personal data against unauthorized destruction, loss, alteration, disclosure of or access to personal data transmitted, stored or otherwise processed. However, no method of transmission over the internet, or method of electronic storage, is 100% secure and so we cannot fully ensure or provide absolute 100% guarantee of the security of any information you transmit to us or that information on our application may not be accessed, disclosed, altered, or destroyed by any person. At the same time, we encourage you to use caution when disclosing personal data online. In case, if you still have any questions about security measures, please contact us.

DISCLOSING PERSONAL DATA

We may disclose your personal data to our employees, our subsidiaries, our affiliates, other Mswipe Group Companies, our existing or prospective clients, our vendors (travel and mobility agencies, insurance agencies, archiving agencies, government agencies, regulatory bodies, human resource service providers, legal service providers, statutory and compliance auditors, IT Systems Support Service Providers, third party portals, cloud service providers) as necessary to fulfil the purposes mentioned above in this document. But while sharing your personal data to the vendors and clients, we will ensure that reasonable organizational and technical measures are in place at the vendor’s and client’s place to safeguard your personal data. We may also disclose your personal data where we are legally obliged to do so by the law, or where this is necessary for defending our interests in the context of judicial proceedings, or to establish, exercise or defend our legal rights. We may also transfer personal data in connection with or during negotiation of any merger, financing, acquisition or dissolution, collaboration, transaction or proceeding involving sale, transfer, divestiture, or disclosure of all or a portion of our business or assets. In the event of an insolvency, bankruptcy, or receivership, your information may also be transferred as a business asset. If another entity acquires us or our business or assets, that entity will possess all your information collected by us and will assume the rights and obligations regarding your information as described in this Privacy Policy.

INTERNATIONAL TRANSFER OF PERSONAL DATA

We may store, process and transfer the personal data between any of the countries in which we operate to fulfil the purposes as mentioned above in this document. Our Privacy policy and the practices are designed to provide consistent level of protection to the personal data across our offices globally. In case of your personal data being shared with our vendors (travel agencies, insurance agencies, third party portals, cloud service providers, human resource and legal service providers) and existing or prospective clients based out in the countries where we operate or any other country, we will ensure that appropriate or suitable or reasonable organizational and technical measures are in place at the vendor’s and client’s place to safeguard your personal data.

your data privacy rights

In accordance to the applicable data protection laws to us, you have the right to:

oWithdraw your consent for the processing of your personal data based on consent at any time, without affecting the lawfulness of processing before its withdrawal;

oreceive additional information regarding the processing of your personal data;

orectify or update your personal data if it is incorrect or inaccurate;

oin certain cases, to have the erasure of your some or all personal data;

oin certain cases, and on grounds relating to your situation, to object to (part of) the processing of your personal data;

oin certain cases, to restrict of or (part of) the processing of your personal data; and

odata portability (receive your personal data in a structured, commonly used and machine-readable format and to (have) transmit(ted) your personal data to another organization)

oNominate any other individual, in such manner as may be prescribed by the relevant data protection authority who shall, in the event of your death or incapacity, exercise the rights in accordance with the provisions of the applicable data protection laws

oto lodge a complaint to the local data protection authority

oin certain cases, not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning you or similarly significantly affects you.

Changes to this Privacy Policy

We may change this Privacy Policy from time to time. If we make any changes to this Privacy Policy, the last modified Privacy Policy shall be applicable to you and will actively inform you of this change at our internal website, or by email or by other communication means.

Communications

We may periodically send you free newsletters and promotional communications. When you receive newsletters or promotional communications from us, you may “opt-out” of these emails or messages by following the unsubscribe instructions provided in the email or the message you receive or by contacting us at privacy@mswipe.com. Despite your indicated email preferences, we may send you notices of any updates to our Privacy Policy or other administrative emails.

Complaints

You have the right to lodge a complaint at any time to the relevant data protection authority in the country where you usually reside, your country of work or country of infringement in the format as prescribed by them.

But however, we would appreciate the chance to deal with your concerns before you approach the relevant data protection authority, so please contact us in the first instance.

Contact US

We welcome your comments or questions regarding this Privacy Policy or have any questions on our handling of your personal data or want to exercise your data rights Please e-mail us at privacy@mswipe.com or call us at 1800 102 2699  or write to us at the following address:

Mswipe Technologies Pvt. Ltd. –

Data Protection Officer

26th Floor, A Wing, Marathon Futurex,

Mafatlal Mills Compound,

N.M.Joshi Marg,

Lower Parel, Mumbai – 400 013

Maharashtra, India.