Privacy Policy

This privacy policy is last Updated On 01/04/2024

At Banking Mitra .we prioritize the privacy and protection of your Personal Data, which you disclose to us. We adhere to the applicable laws in India, such as the Information Technology Act 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, to ensure the privacy of your Personal Data.

Here's an overview of how we collect and process your data:

.         Purpose: We collect and process your Personal Data only to the extent necessary to fulfill your requirements and carry out your transactions on our platform.

.         Legal Compliance: Our data collection and processing practices are in line with the provisions of the relevant laws in India.

.         Personal Data Definition: "Personal Data" refers to data that directly or indirectly identifies you, including your characteristics, traits, attributes, or any other features of your identity. It does not include publicly available information or data provided under the Right to Information Act, 2005, or any other applicable law. Additionally, it encompasses Sensitive Personal Data, such as passwords, financial information (e.g., bank account details), physical and mental health conditions, sexual orientation, medical records, and biometric data, as classified by Indian law.

Please note that if you choose not to share the required Personal Data with us, we may not be able to proceed with your transaction. Safeguarding your privacy is of utmost importance to us, and we are committed to maintaining the security and confidentiality of your Personal Data in accordance with the applicable laws.

Types of Information We Collect

We may collect the following information from you:

1.   Personal details: Name, Age, Gender, Photo, Address, Phone number, E-mail id, your contacts, and basic demographic information.

2.   Financial information: We may collect details related to your financial transactions, such as payment methods and transaction history.

3.   Usage data: This includes information about your interactions with our website or mobile app, such as pages visited and features used.

4.   Device information: We may collect data about the device you use to access our services, including IP address, operating system, and browser type.

5.   Location information: With your consent, we may collect information about your geo location for personalized services or fraud prevention purposes.

6.   PAN card number, KYC related information such as videos or other online/ offline verification documents as mandated by relevant regulatory authorities, your business-related information

7.   Aadhaar information including Aadhaar number or Virtual ID for the purposes of e-KYC authentication with the Unique Identification Authority of India (UIDAI). Note that submission of Aadhaar information is not mandatory for e-KYC authentication, you can also use other types of information, such as your PAN or GST number

Information Sharing and Disclosures

Any Personal Data that we have access to shall never be shared without your consent. In various processes / submission of applications / availment of product / service offerings, we even seek your explicit consent to use / share your Personal Data. In our business and operational processes, we only share the data on a partial and "need-to-know" basis to designated personnel or partners or service providers.

We may process, store and retain your Personal Data on our servers where the data centers are located, and/or on the servers of third parties having contractual relationships with us. All Sensitive Personal Data is stored in India. We will retain your data for the period that you continue to be our customer and for such period as required to comply with any obligation under any law for the time being in force.

We will share your data with competent / legal / statutory / regulatory agencies / authorities or partners / service providers acting on our behalf (as the case may be) in following cases:

1.   For enabling the provision of the products / services availed by you, strictly on a "need to know" basis and subject to applicable laws.

2.   Where it is directed or required by legal / regulatory / statutory / governmental authorities / judiciary under any applicable laws / regulations or judicial pronouncement though a legally obligated request.

3.   Where it is directed or required by legal / regulatory / statutory / governmental authorities / judiciary under any applicable laws / regulations or judicial pronouncement though a legally obligated request.

When you make purchases through our services, we may collect and store information about you to process your requests and automatically complete forms for future transactions, including (but not limited to) your phone number, address, email, billing information, and payment preferences. This information may be shared with third-parties which assist in processing and fulfilling your requests, including Payment Card Industry (PCI) compliant payment gateway processors, and for providing you with products / services to better serve your needs and interests. Such sharing shall be in accordance with your instructions and subject to appropriate confidentiality and security requirements.

For what purpose do we use your personal information?

We use your personal information to operate, provide, develop, and improve the products and services that we offer our customers. These purposes include:

• Purchase and delivery of products and services. We use your personal information to take and fulfill orders, deliver products and services, process payments, and communicate with you about orders, products and services, and promotional offers.

• Provide, troubleshoot, and improve services. We use your personal information to provide functionality, analyse performance, fix errors, and improve the usability and effectiveness of the Services.

• Recommendations and personalization. We use your personal information to recommend features, products, and services that might be of interest to you, identify your preferences, and personalize your experience.

• Comply with legal obligations. In certain cases, we collect and use your personal information to comply with laws. For instance, we collect from seller’s information regarding place of establishment and bank account information for identity verification and other purposes.

• Communicate with you. We use your personal information to communicate with you in relation to Banking Mitra Services via different channels (e.g., by phone, e-mail, chat).

• Fraud Prevention and Credit Risks. We use personal information to prevent and detect fraud and abuse in order to protect the security of our customers, and others. We may also use scoring methods to assess and manage credit risks.

 Storage and Retention

We prioritize the secure storage and responsible retention of your Personal Information. In accordance with applicable laws, your data is stored within India and retained for a duration that aligns with the purpose for which it was collected. Our commitment to protecting your privacy means that we take necessary precautions to prevent fraud and abuse, as well as comply with legal requirements.

.         Data Storage: Your Personal Information is stored within India, ensuring compliance with relevant laws and regulations.

.         Retention Period: We retain your data for as long as it is necessary for the purpose for which it was collected.

.         Fraud Prevention: In certain cases, we may retain your information if there are indications of potential fraud or abuse.

.         Legal Compliance: We abide by legal obligations, such as retaining data during the pendency of any legal or regulatory proceedings or in response to official directives.

.         Secure Disposal: Once the retention period expires, we ensure the secure disposal of your Personal Information in accordance with applicable laws.

.         Privacy Protection: Throughout the entire lifecycle of your data, we prioritize the protection and confidentiality of your Personal Information.

 

Reasonable Security Practices and Procedures

We prioritize the security of your Personal Data and have implemented robust measures to safeguard it against unauthorized access, misuse, loss, modification, or disclosure. Our commitment to data security is evident through the following practices:

.         Encryption and Access Control: We utilize state-of-the-art secure server layer encryption and access control protocols to protect your information.

.         Third-Party Audits: We regularly engage third-party cyber security audit agencies to evaluate the effectiveness of our safety and security processes.

.         App-Level Security Features: Our app is equipped with multiple layers of security measures, including Login/Logout option and App Lock for payments.

.         Device Binding: We enforce device binding to prevent unauthorized access to your account from different devices.

While we employ reasonable security measures across our digital platforms, it is important to acknowledge that no system is entirely immune to security risks. Factors beyond our control, such as hacking attempts or breaches, can pose potential threats. It is essential to understand that while we strive to protect your Personal Information, absolute security cannot be guaranteed.

Third-Party Products, Services, or Websites

The Services and/or the Site may include links or references to other web sites or services solely as a convenience to users ("Reference Sites"). Banking mitra  does not endorse any such Reference Sites or the information, materials, products, or services contained on or accessible through Reference Sites. In addition, your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Services and/or the Site are solely between you and such entity. Access and use of reference sites, including the information, materials, products, and services on or available through reference sites is solely at your own risk.

Applicable Law and Jurisdiction

Description: This policy is subject to the laws of India and shall be interpreted and enforced in accordance with them. Any legal disputes or matters arising from this policy shall be exclusively resolved by the Courts of New Delhi, India.

Cookies and Other Identifiers

To enable our systems to recognize your browser or device and to provide and improve Services, we use cookies and other identifiers. For more information about cookies and how we use them, please read our Cookies Notice.

The Help feature on most browsers and devices will tell you how to prevent your browser or device from accepting new cookies or other identifiers, how to have the browser notify you when you receive a new cookie or how to block cookies altogether. Because cookies and identifiers allow you to take advantage of some essential features of Banking Mitra services, we recommend that you leave them turned on. For instance, if you block or otherwise reject our cookies, you will not be able to add items to your Shopping Cart, proceed to Checkout, or use any Services that require you to Sign in. For more information about cookies and other identifiers, see our Cookies Notice

.         We utilize cookies or similar technologies on certain Platform pages to analyse webpage flow, measure promotional effectiveness, and ensure trust and safety.

.         Cookies are small files stored on your device that assist us in providing services and do not contain personal information.

.         Certain features on the Platform rely on cookies or similar technologies, such as password auto fill and targeted information delivery.

.         Most cookies are session-based and are deleted at the end of a session.

.         You have the option to decline or delete our cookies, but it may limit your access to certain features and require more frequent password entry.

.         Third-party cookies or similar technologies may be present on specific Platform pages, which we do not control.

Disclaimer:

Please do not share your Wallet password, Credit/Debit card pin, other confidential information with anyone even if he/she claims to be from Banking Mitra. We advise our customers to completely ignore such communications.

Contact Us

If you have any questions, concerns, or feedback regarding our services, please feel free to reach out to us. We value your input and are here to assist you.

You can contact us via email at support@bankingmitra.org. Please allow up to 24 to 48 hours for a response from our team.

 Grievance Redressal
 Redressal Mechanism: Any complaints, abuse or concerns with regards to content and or comment or breach of these terms shall be immediately informed to the designated Grievance Officer as mentioned below via in writing or through email signed with the electronic signature to …………………………….. ("Grievance Officer"). 
 
 Mr SANDEEP KUMAR (Grievance Officer)
 
 www.bankingmitra.org 

login.bankingmitra.org

 SLINGPAY FINTECH PRIVATE LIMITED

D04, SECTOR - 7, NOIDA-201301   

Email: support@bankingmitra.org