Last updated on: 19th May 2023
IGNOSI SYSTEMS PRIVATE LIMITED, (“us”, “we”, or “our”, “Company” or “Ignosis”) with registered office at House No. 6, Sigma Commerce Zone, Nr Galops Mall, Iscon Cross Road, S G Highway, Jodhpur, Ahmedabad, Gujarat 380015 IN, operates the website available at https://ignosis.ai or any other platform which will be made available by Ignosis to render the services (“Platform”).
- We are strongly committed to respecting your online privacy and recognize the need for appropriate protection and management of any personal information collected and/or collated by us.
Please be advised that any Information (as defined herein below) procured by us, shall be:
- processed fairly and lawfully for rendering the services set out on the Platform (“Services”);
- obtained only for specified and lawful purposes, and not be used in any manner which is against the law or policy in force in India (“Applicable Law”);
- adequate, relevant and not excessive in relation to the purpose for which it is required;
- able to be reviewed by the User, from time to time and updated-if need arises; and
- not kept longer than for the time which it is required or the purpose for which it is required or as required by the applicable law.
WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE SUSTAINED BY REASON OF ANY DISCLOSURE (INADVERTENT OR OTHERWISE) OF ANY DATA, IF THE SAME IS EITHER (A) REQUIRED UNDER SHARING YOUR INFORMATION FOR LEGITIMATE PURPOSES; OR (B) WAS EFFECTED THROUGH NO FAULT, ACT, OR OMISSION OF THE COMPANY.
BY USING THE PLATFORM OR SERVICES, YOU EXPLICITLY ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, THE COLLECTION, USE AND TRANSFER OF THE INFORMATION IN THE MANNER DESCRIBED HEREIN.
3. Your consent
- Such an intimation to withdraw your consent can be sent to email@example.com
4. INFORMATION COLLECTION AND USE
We collect several different types of information for various purposes to provide and improve our Platform to you.
Types of Data Collected
- “Personal Data”, while using our Platform, we may ask you to provide us with certain Personal Data that can be used to contact or identify you via our ‘Contact Us’ page. We may collect Personal Data including, but is not limited to, email address, first name and last name and phone number. We will collect Personal Data from the you only if you voluntarily submit such information to us. Users can always refuse to supply Personal Data, however, please note that it may prevent you from engaging in certain parts of our Platform.
- “Sensitive Personal Data” means and includes information relating to; (i) government ID cards; (ii) financial information relating to such as bank account or credit card or debit card or other payment instrument details, credit score; (iii) any detail relating to the above-mentioned points as provided to us for using the Platform (iv) One-Time Passwords; and (v) Transaction Information.
- “Transaction Information” means information that is contained in text messages (that is, SMS) sent by providers of services and/or products (including but not limited to Financial Institutions, mobile carriers and utility companies) to your mobile telephone number(s) in connection with one or more transactions across multiple financial accounts (including purchase, payments, billing information and service notifications related thereto).
- “Locational Information” shall mean and include the information obtained through GPS or other means, such as the geographical location of the User.
- “Technical Information” means and includes any Information gathered through various technologies that may employ cookies, Google Analytics, web beacons, or similar technologies to automatically record certain information from your device through which you use the Platform. This technical information may include your Internet Protocol (IP) address, device or browser type, Internet service provider (ISP), referring or exit pages, clickstream data, operating system, hardware model, operating system version, unique device identifiers, and mobile network. This data includes usage information and user statistics.
- “Non-Personal Information” means and includes any information that does not reveal your specific identity, such as, browser information, information collected through Cookies (as defined below), pixel tags, Google Analytics and other technologies, demographic information, etc. As is true with most websites, our Company gathers some information automatically when you visit the Platform. When you use the Platform, we may collect certain information about your computer or mobile to facilitate, evaluate and verify your use of the Platform. For example, we may store environmental variables, such as browser type, operating system, speed of the central processing unit (CPU), referring or exit web pages, click patterns and the internet protocol (IP) address of your computer. This information is generally collected in aggregate form, without identifying any user individually. Communications between You and other Financial Institutions, merchants, and other third parties through the Platform; participation by You in a survey, poll, sweepstakes, contest or promotion scheme; Your request for certain features (e.g., newsletters, updates or other products/ services).
(The Personal Data, Sensitive Personal Data, Technical Information, Locational Information and Non-Personal Information are collectively referred to as “Information).
We may collect Information in the following ways:
- directly or indirectly from You when You provide it to Us; and/or
- as You navigate through the Platform;
- the public domain; and/or
- through independent third-party sources like Financial Insitution, merchants, financial institutions, credit bureaus etc.
You provide Your consent for collection of Your information from credit bureaus including but not limited to Experian/CIBIL/ CRIF/other agencies, and for checking, collecting retrieving and downloading Your information from the Central KYC registry for Your cKYC ID linked with Your PAN.
We may also collect the following Information automatically from Your use or access of the Platform:
- Your server’s IP address from where the Platform is being accessed, the type of browser (Internet Explorer, Firefox, Opera, Google Chrome etc.), the operating system of Your system and the Website You last visited before visiting the Platform, and Your computer, Internet connection and mobile device, other browsing information (connection, speed, connection type etc.), device type, device’s unique device identifier, mobile network information and the device’s telephone number;
- Details of Your use of the Platform, including traffic data, logs and other communication data and the resources that You use and access on or through the Platform;
- Unique mobile device identifier (e.g., IDFA or other device IDs on Apple devices like the iPhone and iPad), if You are using the Platform on a mobile device, We may use mobile device IDs (the unique identifier assigned to a device by the manufacturer), instead of cookies, to recognize You. Unlike cookies, mobile device IDs cannot be deleted from records. We may share it with advertising companies, and they may Use device IDs to track Your use of the Platform, track the number of advertisements displayed, measure advertising performance and display advertisements that are more relevant to You. We may also share it with analytics companies which may use mobile device IDs to track Your usage of the Platform;
- Other information relating to Your activity on the Platform, such as Your search queries, comments, domain names, search results selected, number of clicks, pages viewed and the order of those pages, how long You visited the Platform, the date and time You used the Platform, error logs, and other similar information;
- In case of mobile application Users, the online or offline status of Your application.
We access Your phone resources or metadata only in compliance with applicable law.
We only collect the User Information from the sources above in accordance with applicable law.
5. USE OF DATA
The Information collected by us shall be used for availing our Platform and utilised for other functions including but not limited to:
- To respond to any communications/query that we receive regarding our Services
- to evaluate the quality and competence of our personnel;
- to resolve any complaints, you may have and ensure that you receive the highest quality of Services;
- notifying you about changes to our Platform;
- allowing you to participate in interactive features of our Platform when You choose to do so;
- providing analysis or valuable information so that we can improve the Platform;
- monitoring the usage of the Platform;
- detecting, preventing and addressing technical issues;
- Analyse usage patterns;
- Improve user experience;
- re-marketing campaigns (SMS, email, PN campaigns);
- targeted marketing campaigns, periodic follow-ups
- Notify you about new products and features.
- To verify and authenticate Your identity;
- To verify, authenticate and authorize Your use of Our products or services, including for any risk management or portfolio management purposes;
- To connect You with Financial Institution/ merchants/ or other third parties;
- To carry out creditworthiness checks;
- To process and complete Your transactions;
- To prepare reports, review, etc.;
- To contact You regarding third party services and offers (including offers of any third parties), to understand Your preferences and requirements.
Business or Research Purposes: The Information saved and except Personal Information, is used for business or research purposes, including improving and customizing the Platform for ease of use and the products and services offered by us. We may archive this information to use it for future communications for providing updates and/or surveys.
Aggregating Information / Anonymized data: We may aggregate Information and analyse it in a manner to further accentuate the level of services that we offer to our customers. This Information includes average number of Users of the Platform, the average clicks of the services/, the features used, the response rate, etc. and other such statistics regarding groups or individuals. In doing so, we shall not be making disclosures of any Personal Data as defined above.
6. DISCLOSURE AND SHARING OF INFORMATION:
- We shall share the information to the third-party service providers/ vendors, Financial Institution to provide you with the Services.
- When compelled by law, we may disclose any Information provided by you on the Platform as may be deemed to be necessary or appropriate:
- under applicable law, including laws outside your country of residence;
- to comply with legal process;
- to respond to requests from public and government authorities including public and government authorities including public and government authorities outside your country of residence;
- to protect our operations or those of any of our affiliates;
- to protect our rights, privacy, safety or property, and/that of our affiliates, you or others;
- to allow us to pursue available remedies or limit the damages that we may sustain; or
- to protect against legal liability;
- to protect the personal safety of Users of the Platform;
- to prevent or investigate possible wrongdoing in connection with the Platform.
- Merger or Acquisition: We may share Information upon merger or acquisition of Company with another company. We shall transmit and transfer the Information upon acquisition or merger of Company with another company.
- With our service providers: We may share Information with other service providers on a need-to-know basis, subject to obligations of confidentiality for provision of Services. We hereby clarify that Company works with institutions, vendors, partners, advertisers, and other service providers, including (but not limited) to those who provide products or services such as contact Information verification, customer verification and related services website hosting, data analysis, providing infrastructure, information technology services, auditing services and other similar services, in different industries and categories of business by virtue of lawful contracts instituted between such third parties and Company to improve our product and services. Accordingly, we may share your Information with such service provider in order to provide you with Services.
- Employees/Agents of Company: We follow a strict confidentiality policy with regard to disclosure of confidential information to our employees or other personnel. There may be situations, where we may disclose the confidential information only to those of our employees and other personnel on a need-to-know basis. Any breach of confidential information by the employees, personnel within the Company is dealt with stringently by us.
6.2. Except for the Information disclosed pursuant to sub-clause (a), (b), (c), (d) and (e) of Clause 6.1 above, Company may share Information only if you authorize us to do so.
7. TRANSFER OF DATA
- Your information may be transferred to, and maintained on, computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those from your jurisdiction.
- If you are located outside India and choose to provide information to us, please note that we may transfer the data to India to process the Information.
8. YOUR RIGHTS
You can always choose not to provide the requested information to us, it may however result in You not availing certain features if, or the entire, of our Services.
You retain several rights in relation to your Personal Data as provided under applicable law. These may include the rights to:
- access, confirm, and review Personal Data you may have provided;
- correct Personal Information that may be inaccurate or irrelevant;
- deletion and erasure of your Personal Data from the publicly available pages of the Platform;
- receive Personal Information we hold about you in a portable format;
- object to or restrict any form of processing you may not be comfortable with.
In order to exercise these rights, please contact us on the email address provided in Clause 3.3 above.
If you want to withdraw your consent or raise any objection to the use of your information for receiving any direct marketing information to which you previously opted-in, you can do so by contacting our customer support at above mentioned addresses. If you withdraw/object your consent, our use of your information before you withdrew/objected shall still be lawful.
9. CHILDREN’S PRIVACY
Our Platform and Services are not meant for use by children and we knowingly do not collect Information of/from children. If it comes to our notice that we have collected Information from/of children, we shall take steps to remove such Information from our servers. If you believe that we might have any Information that may have been collected from a child or has been provided by a child, please write to us at the email id provided in Clause 3.3.
10. CONTROL THE COLLECTION OR USE OF THE INFORMATION
If you have any reservations, constraints or apprehensions regarding the access to, collection, storage, or any other use of the Information which you have provided to us, you may withdraw your consent in the manner as set out in Clause 3.3 above.
11. RETENTION OF INFORMATION
All Information provided by you, save and except upon withdrawal or termination, shall be retained in locations outside the direct control of Company (for instance, on servers or databases co-locates with hosting providers). We will delete Information based on a request received from you within a reasonable period and latest within 90 (ninety) days of receiving a deletion request. However, we may retain such portion of Information and for such periods as may be required under Applicable Law. Notwithstanding anything contained herein, Company may retain data after account deletion for reasons including but limited to the following purposes: If there is an unresolved issue relating to your account, or an unresolved claim or dispute; If we are required to by applicable law; and/or in aggregated and/or anonymized form; or Company may also retain certain information if necessary for its legitimate business interests, such as fraud prevention and enhancing Users’ safety and security.
12. COOKIES AND OTHER TRACKING TECHNOLOGIES
Our Platform may utilize “cookies” and other tracking technologies such as Google Analytics which may collect your Technical Information and Non-Personal Information. “Cookies” are a small text file consisting of alphanumeric numbers used to collect the Information about Platform activity. The Technical Information helps us analyse web traffic and helps you by customizing the Platform to your preferences. Cookies in no way gives us access to your computer or mobile device. In relation to Cookies, you can deny access to the installation of the Cookies by modifying the settings on your web browser, however, this may prevent you from taking full advantage of the Platform.
13. THIRD PARTY SERVICES
We may use your Information to send you promotional Information about third parties which, we think you may find interesting, if you tell us that you wish this to happen. We shall not be responsible for any disclosure of Information due to unauthorized third-party access or other acts of third parties or acts or omissions beyond our reasonable control and you agree that you will not hold us responsible for any breach of security unless such breach has been caused as a direct result of our negligence or wilful default.
14. DATA SECURITY
You agree and accept that your Information may be stored in third-party cloud service infrastructure providers. While all reasonable attempts have been taken from our end to ensure the safe and secure storage of your data, we shall not be liable for any data breach on the part of the third-party cloud service infrastructure provider that was beyond our control. In addition to the security measures put in place by the third-party cloud service infrastructure provider for safe and secure storage of your Information, we use certain physical, managerial, technical or operational safeguards as per industry standards and established best practices to protect the Information we collect. We use reasonable security practices and procedures and use secure servers as mandated under applicable laws for the protection of your Information. We review our Information collection, storage, and processing practices, including physical security measures to guard against unauthorized access to systems. However, as effective as these measures are, no security system is impenetrable. We cannot guarantee the security of our database, nor can we guarantee that the Information you supply will not be intercepted while being transmitted to us over the internet. You accept the inherent security implications of data transmission over the internet and the internet cannot always be guaranteed as completely secure. Therefore, your use of the Platform will be at your own risk. If you have any concerns, please feel free to contact us at the details given in Clause 3.3 above.
15. CHANGES AND UPDATES TO POLICY
16. DISCREPANCIES AND GRIEVANCES WITH COMPANY
5.1 In case of any discrepancy or grievance with respect to all or any Information shared with Company, please feel free to contact our Grievance Officer:
Attention: Mohit Nebhnani
Email ID: firstname.lastname@example.org
Address: House No. 6, Sigma Commerce Zone, Nr Galops Mall, Iscon Cross Road, S G Highway, Jodhpur, Ahmedabad, Gujarat 380015 IN
Please feel free to reach out to us by e-mail at email@example.com in case of any concerns, grievances, or questions relating to our privacy or data related practices.
19. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY (INCLUDING ITS DIRECTORS, EMPLOYEES, AGENTS, SPONSORS, PARTNERS, SUPPLIERS, CONTENT PROVIDERS, LICENSORS OR RESELLERS,) BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICES (I) FOR ANY LOST PROFITS, DATA LOSS, LOSS OF GOODWILL OR OPPORTUNITY, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, (II) FOR YOUR RELIANCE ON THE SERVICES (III) FOR ANY DAMAGES (IV) FOR ANY MATTER BEYOND ITS OR THEIR REASONABLE CONTROL, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF ANY OF THE AFOREMENTIONED DAMAGES.
20. EXEMPTIONS TO LIABILITY OF COMPANY
- your failure to cooperate;
- your unavailability and/or unresponsiveness;
- your failure to provide accurate and complete information;
- your failure to provide or facilitate the submission of Information in timely manner;
- any event beyond Company’s reasonable control.
21. GOVERNING LAWS AND JURISDICTION
YOUR ACCEPTANCE OF THESE TERMS
BY USING OR VISITING THIS PLATFORM, YOU SIGNIFY YOUR AGREEMENT OF THIS POLICY. IF YOU DO NOT AGREE TO ANY OF THESE TERMS, PLEASE DO NOT USE OUR PLATFORM.