This Privacy Policy (“policy”) is used to inform visitors regarding the collection, use, and disclosure of Personal Information if anyone decided to use services by KALANTRAM TECH SOLUTIONS PRIVATE LIMITED’s (“ByajBook App”, “byajbook.com”, “we”, “us”, or “our”). If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at Terms and Conditions unless otherwise defined in this Privacy Policy.

Information Collection and Usage

We may gather your Personal Information during your interactions with our services, Platform, or throughout the course of our relationship. We collect Personal Information that is pertinent and essential for delivering the requested services and for continually enhancing the ByajBook Platform.

Examples of collected Personal and Sensitive Personal Information include:

1. Name, age, gender, photo, address, phone number, email ID, contact details of associates and nominees.
2. PAN card number, KYC-related information (videos, verification documents), business information.
3. OTPs received via banks, ByajBook, or third-party payment gateways.
4. Account balance, transaction history, bank account details, investment details, transaction-related communication, partially masked card details, wallet balance, service details for streamlined transactions.
5. Device information (device identifier, internet bandwidth, device model, browser plugins, cookies, IP address, location).

We and our service providers may also acquire Personal Information from third parties or publicly available sources for the purpose of verifying investment transaction requests or other legitimate purposes. Such data may include financial history and other pertinent information. Additionally, in case of employment opportunities at ByajBook, we may collect resumes, employment history, and educational qualifications for background checks and verification.

Information can be collected at different stages of your interaction with the ByajBook Platform, such as:

6. Platform visits.
7. Registration on the Platform.
8. Transactions or attempted transactions.
9. Engagement with links, emails, chat conversations, feedback, notifications, or surveys.
10. Other interactions with ByajBook affiliates, entities, business partners, associates.
11. When applying for job opportunities with ByajBook.

Purpose and Use of Personal Information ByajBook processes your Personal Information for various purposes, including but not limited to:

12. Account creation, identity verification, and access management.
13. Providing access to products and services offered by ByajBook and its partners.
14. Fulfilling mandatory KYC compliance requirements of regulatory bodies.
15. Sharing KYC information, nominee details with intermediaries, business partners, financial institutions, as required.
16. Facilitating payments, responding to queries, communication, regulatory compliance.
17. Verifying transaction requests, confirming instructions for investment plans, ensuring payment authenticity.
18. Enhancing user experience, analytics, product/service customization, audits.
19. Marketing, advertising, tailored offerings, user experience improvement.
20. Resolving disputes, technical support, security enhancement.
21. Fraud detection, risk management, enforcing terms and conditions.
22. Informing users about offers, products, services, and updates.
23. Investigating fraud, breaches, attacks, and legal compliance.
24. Carrying out forensic audits, cooperating with government agencies.
25. For other legitimate business cases, minimizing intrusiveness.

Information Sharing and Disclosures We share your Personal Information as allowed by law, after due diligence, and in accordance with the purposes outlined in this policy. We share information with contractual obligations on recipients to maintain privacy practices consistent with ByajBook's. Personal Information may be shared with various recipients, including business partners, service providers, affiliates, regulatory bodies, financial institutions, and internal teams for the following purposes:

26. Facilitating services, as requested.
27. Complying with laws, KYC requirements.
28. Processing transactions on partner sites.
29. Managing financial product subscriptions.
30. Fraud prevention, risk management.
31. Communication, marketing, analytics.
32. Enforcing terms, responding to legal processes.

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information at registration which includes: Name, Phone Number, Alternate Number and email address. Further, the user is also requested to allow access to their contact list (saved on the same device on which the app is installed) in order to enable the user to add new transactions/borrow/lend information and share it with the contact. We also request users to provide storage permission in case the user wants to download or share the transaction reports.

The information that we request will be retained by us and used as described in this privacy policy.

We collect following data about you:

• Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed – for example, anonymous data.


• We may collect, use, store and transfer different kinds of personal data about you to provide you with or in connection with the Services. Such personal data includes:
  
  
  • Data pertaining to your identity and profile-related data, such as your first and last name, username or similar identifiers, gender, title, passwords, purchases or orders, feedback, survey responses, etc.;
  
  
  • Data pertaining to your identity in form of profile images; contact details, including email addresses, phone numbers, delivery addresses, business addresses, etc.;
  
  
  • Transaction data, including details about payments to and from you and details of products and services you have purchased or sold;
  
  
  • Transaction data, in form of images relating to the transaction added; technical data includes IP addresses, browser types and versions, time zone settings and locations, operating systems, and other technology on the devices you use to access the platform;
  
  
  • Usage data including information about how you use our Services; and
  
  
  • Marketing and communications data includes your preferences in receiving marketing from us and our third parties and your communication preferences.


• Where we need to collect personal data by law, or under the terms of the arrangement we have with you, and you fail to provide that data when requested, we may not be able to perform our obligations under the arrangement we have with you or are trying to enter into with you (for example, to provide you with features of the Services). In this case, we may have to cancel or limit your access to the Services, but we will notify you if this is the case at the time.

The app does use third party services that may collect information used to identify you.

Link to privacy policy of third party service providers used by the app

• Google Play Services
• Google Analytics for Firebase
• Firebase Crashlytics

Log Data

We want to inform you that whenever you use our Service, in case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.

This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers

We may employ third-party companies and individuals due to the following reasons:

• To facilitate our Service;
• To provide the Service on our behalf;
• To perform Service-related services; or
• To assist us in analyzing how our Service is used.

We want to inform users of this Service that the third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

How do we use collected data ?

We only collect and use the data if it’s allowed by the law and the user. In case you choose not to share some information with us, you might have restricted or no access to our services. We use provided personal information to make user experience better by avoiding fake account creation. You agree and acknowledge that we may share data without your consent, when it is required by law or by any court or government agency or authority to disclose such information. We may use your data for following purposes:

• Platform signup/registration.
• Share information in the form of notifications, emails and messages.
• Collect your feedback and complaints.
• Make the user experience better by analysing trends.
• Provide better content based on your preferences.
• Notifying your contacts when you want them to.
• Report creations and sharing through the app
• Marketing, non-marketing or administrative purposes

Security

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security. By accepting the terms of this Policy, you agree that security standards being implemented by us, are reasonable and sufficient for the protection of your personal information.

Children’s Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13 years of age. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page.

This policy is effective as of 2022-04-02

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at support@byajbook.com.