Privacy Policy

 

This policy delineates the procedures undertaken by Pointpal in the collection, storage, utilization, and overall processing of your Personal Information across Pointpal websites, Pointpal Applications, mobile sites, or any other medium utilized to deliver services (referred to as the “Services”). By visiting, downloading, or using Pointpal Services, and/or providing your information or availing our products/services, you explicitly agree to be bound by this Privacy Policy (“Policy”) and the relevant service/product terms and conditions. We greatly value the trust you place in us, respecting your privacy by upholding the highest standards for secure transactions and the protection of your personal information.

Within this context, "Personal Information" encompasses all data that can be linked to a specific individual, including Sensitive Personal Information, requiring specific data protection measures due to its sensitive and personal nature. This excludes information freely available or accessible in the public domain. It is essential to note that our products/services are designed for Indian customers, and the processing of your Personal Information will adhere to Indian laws. If you do not agree with this Privacy Policy, kindly refrain from using or accessing our Platform.

 

Information Collection

 

We may collect your Personal Information throughout our relationship when you use our services. This collection is relevant and necessary to provide the services you request and to enhance the Pointpal Platform continually.

 

Personal and Sensitive Personal Information may include, but is not limited to:

a) Name, age, gender, address, phone number, email ID, and your contacts

b) KYC-related information such as PAN, income details, business-related information, and verification documents as mandated by relevant regulatory authorities.

c) Aadhaar information, including Aadhaar number or Virtual ID for e-KYC authentication with the Unique Identification Authority of India (UIDAI).

d) OTP sent to you by Pointpal

e)Transaction history, point balance, service or transaction-related communication, order details, and part of your card details for smooth transactions.

f) Your device details such as device identifier, mobile device model, cookies, IP address, and location.

 

Information may be collected at various stages of your usage of the Pointpal Platform, such as:

a) Visiting Pointpal Platform

b) Registering on Pointpal Platform as a user, corporate, or any other relationship governed by terms and conditions on the Pointpal Platform.

c) Transacting or attempting to transact on Pointpal Platform

d) Accessing links, emails, chat conversations, feedback, notifications sent or owned by Pointpal Platform

e) Applying for career opportunities with Pointpal

 

We and our service providers or business partners may also collect your Personal Information from third parties or publicly available information, including but not limited to:

a) Financial history and other information for providing Pointpal services

b) Demographic and photo information received from UIDAI upon successful Aadhaar e-KYC

c) Purpose and Use of Information

 

Pointpal may process your Personal Information for various purposes, including but not limited to:

a) Creation of your account and verification of your identity and access privileges

b) Providing access to products and services offered by us, merchants, sellers, or business partners

c) Fulfilling your service requests

d) Processing payments on your behalf and on your instructions

e) Monitoring and reviewing products/services, customizing services, and conducting audits

f) Allowing third parties to contact you for products and services availed/requested by you on Pointpal Platform or third-party links

g) Enforcing our terms and conditions

h) Informing you about online and offline offers, products, services, and updates

i) Resolving disputes, troubleshooting problems, providing technical support, and fixing bugs

j) Identifying security breaches, investigating, preventing illegal activities, and meeting legal obligations

 

While processing your Personal Information for other legitimate business cases, we take appropriate steps to minimize intrusion into your privacy.

 

Cookies or Similar Technologies

 

We utilize data collection devices such as "cookies" or similar technologies on specific Platform pages to analyze webpage flow, measure promotional effectiveness, and promote trust and safety. Cookies, small files placed on your device's hard drive, assist in providing our services without containing Personal Information. Most cookies are "session cookies," automatically deleted at the end of a session.

 

Information Sharing and Disclosures

 

Your Personal Information is shared in accordance with applicable laws and for the purposes set out in this Policy. We may share your Personal Information with different categories of recipients, including business partners, service providers, sellers, merchants, legally recognized authorities, regulatory bodies, governmental authorities, financial institutions, and internal teams such as marketing, security, and investigation teams. Personal Information is shared on a need-to-know basis for purposes such as enabling product/service provision, completing payment transactions, communication, marketing, data storage, transmission, security, analytics, fraud detection, risk assessment, research, and compliance with our Terms or Privacy Policy.

While shared with third parties, the processing of your Personal Information is governed by their policies. Pointpal ensures that strict privacy protection obligations are imposed on these third parties, to the extent possible. We disclaim responsibility or liability for the usage of your Personal Information by these third parties.

 

Storage and Retention

 

We store Personal Information within India and retain it in compliance with applicable laws and for a duration no longer than required for the purpose for which it was collected. After reaching its retention period, Personal Information is deleted in compliance with applicable laws.

 

Reasonable Security Practices

 

Pointpal employs administrative, technical, and physical security measures to safeguard user’s Personal Information and Sensitive Personal Information. Despite the effectiveness of these measures, no security system is impervious. Regular internal and external reviews are conducted to ensure appropriate information security encryption or controls for data in motion and data at rest within our network and servers, respectively.

You are responsible for maintaining the confidentiality and security of your login ID and password. Do not share your Pointpal login, password, and OTP details. Intimate us in case of any actual or suspected compromise to your Personal Information. Multiple security levels are provided for the Pointpal Application by the login/logout option.

 

Third-Party Products, Services, or Websites

 

When availing products and services of service providers on the Pointpal Platform, Personal Information may be collected by respective service providers, governed by their privacy policies. Refer to their privacy policy and terms of service for how your Personal Information will be handled.

Our services may include links to other websites or applications; such websites or applications are governed by their respective privacy policies beyond our control. Once you leave our servers, the usage of any Personal Information provided on these websites or applications is governed by the privacy policy of the operator, and we disclaim responsibility or liability.

 

Your Consent

 

We process your Personal Information with your consent. By using Pointpal services and/or providing your Personal Information, you consent to the processing in accordance with this Privacy Policy. If you disclose Personal Information related to other people, you represent that you have the authority to do so and permit us to use the information according to this Privacy Policy.

 

Personal Information Access/Rectification and Consent

 

You can access and review your Personal Information by placing a request with us. To raise any requests, write to us at info@pointpal.io.

To delete your account or Personal Information, write to us at info@pointpal.io with the subject “Delete my Account” from your registered email id. However, retention of your Personal Information will comply with applicable laws. Pointpal may need specific information to confirm your identity and ensure authentication.

For further information specific to the product/services, read the Terms and Conditions accessible through the Pointpal Platform. For additional information, write to us at info@pointpal.io.

 

Changes to Policy

 

As our business evolves, our policies may change. We reserve the right to change, modify, add, or remove portions of this Privacy Policy at any time without prior notice. While we may endeavor to notify you of changes, it is your responsibility to review the Privacy Policy periodically. Your continued use of our services/Platform after changes mean you accept and agree to the revisions.

 

Contact Us

 

For questions, concerns, or complaints regarding the processing of your Personal Information or this Privacy Policy, write to us at info@pointpal.io with the subject “Privacy Policy concern.” We commit to answering your questions within a reasonable timeframe.