2.1 For Registration:, We may collect your Personally Identifiable Information (“PII”), at the time of your registration on the Application, including:
a. Your name,You are responsible for maintaining the accuracy and confidentiality of the PII. Agya will not be responsible for any unauthorised usage of your account by a third party. In case of any unauthorised usage of your account, please report this to us at the earliest at email@example.com.
b. Your mobile number,
c. Your email address,
d. Your photograph (should you opt to update your profile information with one).
2.2 For Communication: You understand that your registered email id and phone number may be used for (a) generation of a one time password at the time of login, and (b) for any communications to you for provision of the Services. You understand that you may not be able to opt-out of essential communications to you which are necessary for provision of the Services.
2.3 For provision of the Services: For the purposes of providing the Services, we will collect both your PII and financial information which is classified as Sensitive Personal Information (“SPI”) under applicable laws. Your SPI is only used for the purpose of collecting your information from the relevant FIP pre-approved by you and sharing the same information with the FIU approved by you. Please note that in accordance with applicable laws, we do not store or use any financial data that you choose to share with third parties or otherwise transmit through our Services (“Financial Data”). You may use our Services to transmit and share Financial Data with third parties; however, we will not have access to such data. For more information on how your Financial Data is transmitted through our Services, please review our Terms.
2.4 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:
a. Data pertaining to your identity and related data, such as your first and last name, username or similar identifiers, gender, title, passwords, identity document and proof of addresses, purchases or orders of or through our Services, feedback, survey responses, etc.;
b. Contact data, including email addresses, phone numbers, delivery addresses, business addresses, etc.;
c. Data we collect in connection with our KYC processes when you choose to access certain features of our Services, including documents issued by the government such as Aadhaar, driving licences, PAN cards, voter ID cards, ration cards, etc.;
d. Data about your device, including but not limited to:
e. Location – location data recorded on your device; and
f. Device Information – including hardware model, operating system and version, IMEI and serial numbers, user profile information, IP addresses, browser types and versions, time zone settings, and Wi-Fi and mobile networks.
g. Usage data, including information about how you use our Services.
2.5 Additional information: We may log certain non-personally identifiable information such as session information, user ids and audit trails of consent handles and communications, during usage of the Application. During usage of the Website, we may log usage of cookies as well.
2.6 Other purposes: Your PII may be collected for the following additional purposes:
a. To observe, improve and administer the quality of Services,
b. To analyse how the Application is used, diagnose technical problems,
c. Remember the basic information provided by you for effective access,
d. To notify you about any changes to the Application,
e. To enable us to comply with our legal and regulatory obligations,
f. For the purpose of sending administrative notices, Service-related alerts and other similar communication with a view to optimising the efficiency of the Application,
g. Doing market research, troubleshooting, protection against error, project planning, fraud and other criminal activity, and
h. To reinforce our Terms and Conditions.
2.7 No access: We explicitly clarify that at no time will Agya have access to any of your SPI, and your SPI is encrypted as per the ReBIT standards prescribed by the RBI. SPI which is encrypted by FIPs is then only decrypted by the FIU. At no point will we decrypt your SPI.
2.8 Purpose limitation: Agya follows a strict policy of purpose limitation. Your PII or SPI is only used for the purposes specified herein and any additional purposes will be duly notified to you.