Effective Date : 1st April 2020
This Privacy Notice describes how First Quadrant Solutions Private Limited and our affiliates (collectively, "AFFLUENT," "we," and "us") collect, use, disclose, transfer, store, retain or otherwise process your information when you (whether you are a person or business) apply or sign up for/on a AFFLUENT App account or other services (including, but not limited to, First Quadrant Lending) through AFFLUENT website or product applications (collectively "Services").
This Privacy Notice applies to your use of our website and/or Services, and covers information collected in connection with your access to and use of our website and/or Services. Please read this Privacy Notice carefully. By continuing to interact with us, you are consenting to the practices described in this Privacy Notice.
INFORMATION WE COLLECT OR RECEIVE ABOUT YOU
We need to collect or receive information about you to provide you with the Services or the support you request. The type of information can vary depending on the country from which you access our Services. Additionally, you may also and can choose to voluntarily provide information to us.
Information You Provide
We collect or receive information you provide when you apply, use or sign up for/on a AFFLUENT App or other Services, go through our identity or account verification process, authenticate into your account, communicate with us, answer our surveys, upload content, or otherwise use the Services.
We collect or receive information about you when you use our Application and/or Services, including:
Other Information You Provide: Information that you voluntarily provide to us, including any survey responses; participation in contests, transactional sms, promotions, or other prospective seller marketing forms or devices; suggestions for improvements; referrals; or any other actions performed on the Services.
Information We Collect Or Receive From Your Use of our PoS and/or Services
We collect or receive information about you and the devices you use to access the AFFLUENT App and/or Services, such as your computer, mobile phone, or tablet. The information that we collect or receive includes:
Information We Collect Or Receive From Other Sources
We also collect or receive information about you from third parties, including:
Our Services are general audience services not directed at children under the age of 13. If we obtain actual knowledge that any information we collect or receive has been provided by a child under the age of 13, we will promptly delete that information.
HOW WE USE YOUR INFORMATION
We may use information about you for number of purposes, including
Providing, Improving, and Developing our Services
Communicating with You About our Services
Protecting our Product and Services and Maintaining a Trusted Environment
Advertising and Marketing
For any other purpose disclosed to you in connection with our Services from time to time.
HOW WE SHARE YOUR INFORMATION
We may share information about you as follows:
With Other Users of our Services with Whom You Interact
With other users of our Services with whom you interact through your own use of our Services. For example, we may share information when you make or accept a payment, redemption of points, appointment, or money transfer using our Services.
With our Affiliates
With our group companies and corporate affiliates, for the purposes outlined herein.
With Third Parties
Business Transfers and Corporate Changes
Safety and Compliance with Law
If we believe that disclosure is reasonably necessary (i) to comply with any applicable law, regulation, legal process or governmental request (e.g., from tax authorities, law enforcement agencies, etc.); (ii) to enforce or comply with applicable agreements or policies; (iii) to protect our or our customers' rights or property, or the security or integrity of our Services; or (iv) to protect us, users of our Services or the public from harm, fraud, or potentially prohibited or illegal activities.
With Your Consent
Aggregated and Anonymized Information
We also may share (within our group of companies or with third parties) aggregated and anonymized information that does not specifically identify you or any individual user of our Services.
Aggregated and Anonymized Information
We generally retain your information as long as reasonably necessary to provide you the Services or to comply with applicable law. However, even after you deactivate your account, we can retain copies of information about you and any transactions or Services in which you may have participated for a period of time that is consistent with applicable law, applicable statute of limitations or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our Terms & Conditions or other applicable agreements or policies, or to take any other actions consistent with applicable law.
COOKIES AND OTHER SIMILAR TECHNOLOGIES
We use various technologies to collect or receive information when you access or use our Services, including placing a piece of code, commonly referred to as a "cookie," or similar technology on your device and using web beacons. Cookies are small data files that are stored on your hard drive or in your device memory when you visit a website or view a message. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We will begin collecting information about you or from activity on devices you use as soon as you use the AFFLUENT App and/or our Services. By using our Services, you permit us to collect or receive and use your information from activity on devices you use in accordance with this Privacy Notice.
Certain cookies we use last only for the duration of your web or application session and expire when you close your browser or exit the application. Other cookies are used to remember you when you return to use the Services and, as such, will last longer.
Some of the cookies used in the Services are set by us, and others are set by third parties who deliver services on our behalf.
Most web and mobile device browsers are set to automatically accept cookies by default. However, you can change your browser settings to prevent automatic acceptance of cookies, or to notify you each time a cookie is set. Please note, however, that by blocking or deleting cookies used in the Services, you may not be able to take full advantage of the Services.
We also may collect or receive information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We use web beacons to deliver cookies, track the number of visits to our website and apps, understand usage and campaign effectiveness, and determine whether an email has been opened and acted upon.
THIRD-PARTY ADVERTISING AND ANALYTICS
You may access, change, or correct information that you have provided by logging into your AFFLUENT at any time or by making a request to us on : email@example.com in which case we may need to verify your identity before granting access or otherwise changing or correcting your information.
Deactivating Your Account
If you wish to deactivate your account by emailing us on : firstname.lastname@example.org
In order to provide certain Services, we may require access to location information, including precise geolocation information collected from your device. If you do not consent to collection of this information, certain Services will not function properly and you will not be able to use those Services.
You can opt out of receiving promotional messages from AFFLUENT by following the instructions in those messages, by informing the caller that you would not like to receive future promotional calls, or by changing your notification settings by logging into your AFFLUENT account. You may only opt-out of text messages from AFFLUENT by replying STOP. Opting out of receiving communications may impact your use of the Services. If you decide to opt out, we can still send you non-promotional communications, such as digital receipts and messages about your account or our ongoing business relations.
We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. Nevertheless, the internet is not a 100% secure environment, and we cannot guarantee absolute security of the transmission or storage of your information. We hold information about you both at our own premises and with the assistance of third-party service providers.
CHANGES TO THIS PRIVACY NOTICE
We may amend this Privacy Notice from time to time by posting a revised version and updating the "Effective Date" above. The revised version will be effective on the "Effective Date" listed. We will provide you with reasonable prior notice of material changes in how we use your information, including by email, if you have provided an email address. If you disagree with these changes, you may cancel your account at any time. Your continued use of our Services constitutes your consent to any amendment of this Privacy Notice.
CONTACT GRIEVANCE OFFICER
Please contact our Customer Care Department and/or Grievance Officer with any questions or concerns regarding this Privacy Notice and/or security by writing an email on email@example.com
If you have any questions or concerns regarding our notice, or if you believe our notice or applicable laws relating to the protection of your personal information have not been respected, you may file a complaint with our Privacy Department listed above, and we will respond to let you know who will be handling your matter and when you can expect a further response. We may request additional details from you regarding your concerns and may need to engage or consult with other parties in order to investigate and address your issue. We may keep records of your request and any resolution.