This privacy policy describes how ‘MOBIYA STORE’ collects and uses the personal information you provide when you use our services or visit our website at www.mobiya.store
Changes to Mobiya Store Privacy Policy:
Line of Credit available through ‘MOBIYA STORE’ are provided by our partner banks. Personal information connected to the application is shared with the banks.
Information we collect about you:
We may update our privacy policy from time to time. If changed, these changes will be reflected on our website and the date of the last change displayed on the top of the page. Your continued use of ‘MOBIYA STORE’ services or the website after we have made such changes will constitute your acceptance of the new privacy policy.
FINANCIAL SMS INFORMATION
When you register to use ‘MOBIYA STORE’ services by applying for a line of credit through partner merchant websites or through our website, we collect your name, email-id, mobile number, Permanent Account Number (PAN) and shipping/current residence address. We may also collect additional information from you in order to enable us to verify your identity. We may collect your financial information to determine your qualification for the credit line. We may disclose this information for the purposes of credit reporting as required by the Reserve Bank of India and to the Reserve Bank of India regulated lender
SEND_SMS INFORMATION
In order to help us further identify you, we may also gather information about the device you are using to access the services or the Site, including any information about the device, its location, IP address of the device and any other information sent to us by the device. We may also gather information about your use of our Site or any merchant website, including your interaction with the credit line application, your past use of the ‘MOBIYA STORE’ service; any past purchases that you’ve made using the service and any actions you have taken relating to your application.
DEVICE LOCATION AND DEVICE INFORMATION
We may also obtain information about you from third party sources. For example, we work with identity verification companies that will help us identify you. As part of the qualification process, we will obtain information about you, including your personal information and credit report, from credit reporting agencies.
Retaining your Information:
The information we collect from the device include the OS version, brand, build model, RAM (available & total), internal & external storage (available & total), display language, unique device identifiers; SIM information that includes network operator and network type; to uniquely identify your devices and ensure that no unauthorized devices acts on your behalf which helps us in preventing frauds.
How we may use your information:
We collect a list of the accounts logged in on your device for id verification which further helps us to ensure that no unauthorized user act on your behalf to help us prevent frauds.
We may also share your information in response to a judicial proceeding, court order or legal process or for the purpose of preventing fraud or criminal activity, as mandated by the law or to protect our legal rights.
Some of our employees and our representatives will have access to your information. We have robust rules and guidelines in place to ensure that this information is protected and kept confidential.
We will use your information for our everyday business activities, including working with the banks to investigate your credit worthiness. Processing transactions with you, collecting repayment amounts on your account, resolving disputes or otherwise to maintain your account. We may also use your information to reduce risk of fraudulent transactions and to better assess credit risk. For this reason, some of our employees and representatives will have access to your information. In this case, employees are required to comply with our data privacy policies to keep all such information confidential.
We maintain strong security safeguards to ensure the security and confidentiality of your personal information, protect against any anticipated threats to the security of your personal information, protect against unauthorized access to your information, and ensure the proper disposal of your personal information. We have adopted a comprehensive security policy that complies with law and regulations and reflects industry standards.
DISCLOSURE TO THIRD PARTIES
We will share Your information only with our third parties including our regulated financial partners, vendors etc for facilitation of Services on the Platform.
We will share the information only in such manner as described below:
- 1. We disclose and share Your information with the financial service providers, banks or NBFCs and our Lending Partners for facilitation of a loan or facility or line of credit or purchase of a product;
- 2. We share Your information with our third-party partners to conduct data analysis to serve You better and provide Services on our Platform;
- 3. We may disclose Your information, to enforce or apply our terms of use or assign such information during corporate divestitures, mergers, or to protect the rights, property, or safety of us, our users, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
- 4. We will disclose the data / information provided by a user with other technology partners to track how the user interact with the Platform on our behalf.
- 5. We and our affiliates may share Your information with another business entity should we (or our assets) merge with, or be acquired by that business entity, or re-organization, amalgamation, restructuring of business for continuity of business. Should such a transaction occur than any business entity (or the new combined entity) receiving any such information from us shall be bound by this Policy with respect to your information.
- 6. We will disclose the information to our third-party technology or third-party data source providers;
- 7. We will share Your information under a confidentiality agreement with the third parties and restrict use of the said information by third parties only for the purposes detailed herein. We warrant that there will be no unauthorised disclosure of your information shared with third parties.
- 8. We shall disclose your KYC journey or any data with respect to the same to the relevant regulatory authorities as a part of our statutory audit process. Please note that your Aadhaar number shall never be disclosed.
We may share your personal information with the governmental authorities, quasi-governmental authorities, judicial authorities and quasi-judicial authorities if we are acting under any duty, request or order as part of our legal obligations and in accordance with the applicable laws. By accepting this Privacy Policy, you hereby provide your consent to disclose your personal information for such regulatory disclosure.
This privacy policy only covers your use of our services or access mobiya’s site or mobile app. Our merchant partners may have different policies governing use of your information. It is advised that you review said policies from the merchant website to understand how the information you provided to the merchant or accessed by the merchant might be used by the merchant.
We comply with all rules and regulations (applicable on Services provided by MOBIYA STORE’ and its subsidiaries or affiliates) mandated by the government of India. These rules are regularly updated by the concerned authorities and our legal team ensures that we remain law compliant.
Employees of ‘MOBIYA STORE’ are regularly sensitized about the importance of confidentiality and privacy. Management will take steps necessary to ensure only employees with a legitimate business reason for knowing personally identifiable customer information shall have access to such information. To the extent practicable, access will be limited by computer access codes and granting limited access to areas in which sensitive customer information is retained. Employees will be informed at the time of their initial employment of these standards. Violation of this policy through misuse of sensitive information will result in disciplinary action against the offending individual.
For queries contact us – support@mobiya.store
