EQL Card - Privacy Policy

This online privacy policy (“OPP”) uses terms in the context as follows, EQL Card, its website https://eql.app/, digital wallet and related mobile applications shall be collectively referred to as “EQL Card” and any corporate entities or its employees, any individuals or family members of such individual or any person using EQL Card shall be referred to as “EC User”.

EQL Card is sensitive to the data and information of a personal/corporate nature. By using EQL Card, EC Users may provide personal/corporate information. EC Users consent to the terms of OPP and that EQL Card shall be processing such personal/corporate information for the purposes explained in this policy by applying or by subscribing to EQL Card services. EC Users also agree to EQL Card contacting EC Users pursuant to the business relationship established using the information EC Users provide to EQL Card. EQL Card request EC Users to read the OPP in accordance with User Agreement and term and conditions and to use these to make informed decisions. EQL Card is committed to ensuring that information shared by EC Users is protected and shall solely be used in accordance with OPP.

Privacy

EC User privacy is of utmost importance to EQL Card. EQL Card follows systematic and stringent procedures to protect the security of the information / data shared and stored with EQL Card. The information that EC Users have shared is stored in secure server with encryption and can be accessed only for official purposes. Any of EQL Card employees who violate OPP and / or security policies related to customer’s data is subject to disciplinary action, including possible termination and civil and / or criminal prosecution.

Application

Upon signing up for EQL Card, EC Users are required to provide certain basic mandatory information inter-alia name, date of birth and mobile number etc. EQL Card never request more information than is reasonably necessary to provide requested services. EQL Card assume all the information provided is true, accurate, current, non-misleading, consistent and relevant.

Information

Information means and includes all information that can be linked to a specific individual/corporate entity or to identify any individual/corporate entity, such as: (i) full name, address, e-mail address, mobile number, date of birth and bank or payment card details and any proof of identity and / or address that we may request, (ii) details of any transactions through EQL Card, (iii) details of any credit, debit or other card used by EC Users for transactions, (iv) details of any bank account (including but not limited to, account holder, account name, account number, sort code, online banking PIN, transaction authentication number "TAN" and password, available balance and transaction history of the bank account), ITR, tax certificates or any other income documents as necessary, (v) any correspondence with EQL Card, (vi) survey complete based on our request, (vii) participation in any promotion, (viii) calls and SMSs with EQL Card, (ix) information collected through cookies, (x) IP address, log-in times, operating system and browser type, (xi) details of digital visits to EQL Card including, but not limited to, traffic data, location data, weblogs and other communication data.

Anonymous Information: EQL Card may uses cookies to collect information for record keeping purposes and makes it easier to navigate. Cookies are small text files that are stored on EC Users' hard drives. EQL Card will not use cookies to collect personal/corporate information without getting such permission. EQL Card use both "session ID cookies" and "persistent cookies." Session ID cookies are used to store information while a EC User is logged into the site and expires when the EC User closes their browser. Persistent cookies are used to make tasks like logging into the site easier for returning EC Users by remembering a EC User's login information. Persistent cookies stay on a EC User's hard drive from one session to the next. You may choose not to receive cookies from EQL Card by following instructions on the website.

Information Collected by Merchants: EQL Card shall engage independent merchants to provide certain services and products. Access to any of EC Users personal/corporate information by these merchants is limited to the information reasonably necessary in order for the merchants to perform their limited services. EQL Card also insist that these merchants protect EC Users personal/corporate information in a manner consistent with the OPP and that the merchants shall not use or disclose personal/corporate information for any purpose other than providing EQL Card with the contracted products or services. We will not sell, distribute or lease the personal/corporate information to merchants unless: (i) required by law, (ii) where disclosure is necessary to protect EQL Card rights, protect EC Users safety or the safety of others, investigate fraud or respond to a written government request, (iii) If EQL Card becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, EQL Card will provide notice before any information becomes subject to a different privacy statement, and (iv) to any other merchant or a third party with prior consent to do so.

Information Collected by Third Party: Third-party servers or networks may serve advertisements on EQL Card digital interface. These third-party servers or networks use technology to send, directly to EC Users browser, the advertisements and links. They automatically receive EC Users IP address when this happens. They may also use other technologies (such as cookies, JavaScript, or Web Beacons) to measure the effectiveness of their advertisements and to personalize the advertising content. EQL Card does not provide any personal/corporate identifiable information to these third-party servers or networks without EC Users consent. However, please note that if an advertiser asks EQL Card to show an advertisement to a certain audience or audience segment and EC Users respond to that advertisement, the advertiser or ad-server may conclude that EC Users fit the description of the audience they are trying to reach. EC Users should consult the respective privacy policies of these third-party ad servers or ad networks. This OPP does not apply to, and EQL Card cannot control the activities of, such advertisers.

Use of Information

We use personal/corporate information to provide EC Users with services & products EC Users explicitly requested for, like the following: (i) to carry out EC Users instructions for making and receiving payments and undertake transactions using EQL Card services, including verifying that EC Users have sufficient funds to make such payments, (ii) to operate and administer EC Users account for providing services requested, (iii) to notify changes to EQL Card service(s), (iv) to comply with financial services regulations including retention of financial information and transactions, (v) for customer service, including answering questions and responding to feedback and complaints, (vi) to provide information, products or services that are requested, (vii) to participate in interactive features, (viii) to improve customer training and quality monitoring, (ix) for financial and identity checks, fraud prevention checks, anti-money laundering and credit checks, (x) to enhance the security, (xi) to send offers based on previous orders and interests, (xii) to complete optional online surveys which may include contact information and demographic information (like zip code, age, gender).

Retention of Information

EQL Card is required, under applicable laws, to retain certain records for a period as suggested by regulatory authorities even after closure of EC Users account, which will include personal/corporate data such as name, contact details, customer number and transaction history, ("Retained information"). Other than the Retained information, EQL Card will delete and destroy all personal/corporate information when the commercial relationship is terminated. We do not store online banking login PIN, TAN and / or password. Please note that we will not store EC Users credit card information. Please note that we will never ask personal/corporate or security details by e-mail. If email is received, please do not respond to it ("Such E-mail"). Please forward any Such E-mail to [email protected] and thereafter delete the e-mail immediately.

Transfer of Information

We may share EC Users personal/corporate information with third parties to provide services that EQL Card offer, conduct quality assurance testing, facilitate creation of accounts, provide technical and customer support, or provide specific services, such as synchronization of contacts with other software applications, in accordance with EC Users instructions. These third parties are required not to use EC Users personal/corporate information other than to provide the services requested by EC Users. EQL Card may share personal/corporate information of EC Users with EQL Card subsidiaries, joint ventures, or other companies under a common control that may have now or in the future, in which case EQL Card will require them to honour this OPP. If another company acquires EQL Card or assets, that company will possess personal/corporate information, and will assume the rights and obligations with respect to that information as described in this OPP.

EQL Card may disclose Your personal/corporate information to third parties in a good faith belief that such disclosure is reasonably necessary to: (i) take action regarding suspected illegal activities, (ii) enforce or apply User Agreement and this OPP, (iii) comply with legal process, such as a search warrant, subpoena, statute, or court order, or (iv) protect Our rights, reputation, and property, or that of Our users, affiliates, or the public, and (v) EQL Card may disclose information in the aggregate to third parties relating to user behaviour in connection with actual or prospective business relationship with those third parties, such as advertisers, content distributors or investment, a may be determined by EQL Card.

Security

EQL Card has drawn up stringent security measures to protect the loss, misuse, and alteration of the information provided by EC Users under EQL Card’s control. At any point of time, when EC Users change or access account information, EQL Card offer the use of a secure server. Once information is in EQL Card possession, EQL Card adhere to strict security guidelines, protecting the information against unauthorized access. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

International Users

EQL Card is governed by laws of India. If an international EC User provides personal/corporate information such information shall be transferred to India, and such EC User consent to that transfer.

Other Information

If EC Users would like to view the information collected or want to correct such information, please log into the specific account to view the above details and to review personal/corporate information. If any information is incorrect or incomplete, please email Us at [email protected]. EQL Card may change this policy from time to time by updating this page. We will post a notice on EQL Card home page that this OPP has changed. Unless stated otherwise, EQL Card current OPP applies to all information that EQL Card have about EC Users. OPP is effective from the date last updated.

Consent

EQL Card consent to the collection and use of the information disclose to EQL Card in accordance with this OPP, by using EQL Card and/or by providing information, including but not limited to consent, for sharing such information as per this OPP. The name and contact details of the Grievance Officer are provided below:
Rajesh Kumar
Email Id: [email protected]

Updates to OPP

OPP may change at any time without prior notification. To make sure that EC Users are aware of any changes, kindly review the OPP periodically. This OPP shall apply uniformly to all EC Users.

Enforcement

We may use the information collected, in connection with use of EQL Card (including personal/corporate information) in order to investigate, enforce, and apply our User Agreement and OPP.

Dispute Resolution

If You believe that EQL Card or any of it’s users has not adhered to this OPP please email to Us at [email protected] (describing non-compliance. EQL Card will investigate EC Users complaint promptly.)

YOUR USE OF EQL CARD CONFIRMS YOUR AGREEMENT TO THE PRIVACY POLICY.