Privacy Policy

Scope

This Privacy policy (“Privacy Policy”) succinctly describes how we collect and use your information through a variety of digital means. You are advised to read the Privacy Policy carefully and provide your consent as appropriate when accessing or using this website on any computer, mobile phone, tablet, console or other device (collectively, “device”). This Privacy Policy applies to current and former visitors of the Website. By way of the Website, Pine Labs Ltd.(“Pine Labs”) is inter alia engaged in the business of providing to its customers including you, Pay in instalments program together with our partners and / or affiliates (collectively “Services”); This Privacy Policy is incorporated into, and is subject to, the Terms of Use .

INFORMATION THAT WILL BE COLLECTED FROM YOU

We will automatically receive and collect certain anonymous information in standard usage logs through our server, including computer-identification information obtained from "cookies" sent to your browser from various sources, information regarding cookies are detailed in the “cookies and other similar technologies” section in this Privacy Policy.

We collect or receive information about you when you use our Services, including:

  • Identification Information. Your name; email address; mailing address; mobile/phone number; photograph; birthdate; passport, driver’s license, PAN, or other government-issued identification; or other historical, contact, and demographic information when you apply, use or sign up for Pine Labs other Services, signature, and authentication credentials (for example, information you use to login to your account), including IP address.
  • Financial Information. Information such as bank account, payment card numbers, credit reports, and other publicly available information.
  • Tax information. PAN/tax identification number details.
  • Transaction Information. When you use our Services to make, accept, request, or record payments, we receive information about when and where the transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, billing and shipping information, and the devices and payment methods used to complete the transactions.
  • Other Information You Provide. Information that you voluntarily provide to us, including any survey responses; participation in contests, promotions, or other prospective seller marketing forms or devices; suggestions for improvements; referrals; or any other actions performed on the Services.

Information We Collect Or Receive From Your Use of our Services

We collect or receive information about you and the devices you use to access Services, such as your computer, mobile phone, or tablet. The information that we collect or receive includes:

  • Precise Geolocation Information. The location of your device.
  • Device Information. Information about your device, including your hardware model, operating system and version, device name, unique device identifier, mobile network information, and information about the device’s interaction with our Services.
  • Use Information. Information about how you use our Services, including your access time, “log-in” and “log-out” information, browser type and language, country and language setting on your device, Internet Protocol (“IP”) address, the domain name of your Internet service provider, other attributes about your browser, mobile device and operating system, any specific page you visit on our website/platform, content you view, features you use, the date and time of your visit to or use of the Services, your search terms, the website you visited before you visited or used the Services, data about how you interact with our Services, and other clickstream data.
  • Business Information. Information about products and services you sell (including inventory, pricing and other data) and other information you provide about you or your business.
  • Customer Information. Information you collect from your customers , including email address, phone number, payment information, or other information.

Information We Collect Or Receive From Other Sources

We also collect or receive information about you from third parties, including:

  • Identity Verification. Information from third-party verification services, credit bureaus, financial institutions, mailing list providers, and publicly available sources. In some circumstances, where lawful, this information may include your government-issued identification number.
  • Background Information. To the extent permitted by applicable laws, we may obtain background check reports from public records of criminal convictions and arrest records. We may use your information, including your full name, government-issued identification number, and date of birth, to obtain such reports.
  • Credit, Compliance and Fraud. Information about you from third parties in connection with any credit investigation, credit eligibility, identity or account verification process, fraud detection process, or collection procedure, or as may otherwise be required by applicable law. This includes, without limitation, the receipt and exchange of account or credit-related information with any credit reporting agency or credit bureau, where lawful, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment, financial institutions, and personal reporting agencies.

All payment information barring the aforesaid (i.e. name and address) will be obtained and processed by our Acquiring Banks, online payment partners,payment service providers and payment gateways. They shall be granted access to such personal data limited to that which is necessary to perform their functions. Such personal data collected shall not be used by it for other purposes. They shall be obliged to process the personal data in accordance with this Privacy Policy and as permitted by applicable law.

METHOD OF COLLECTING INFORMATION

We may collect information from you passively. We use tracking tools including, but not limited to, Google Analytics, Google Webmaster, browser cookies and web beacons for collecting information about your usage of the Website. Our advertisers may collect anonymous traffic information from their own assigned cookies to your browser.

This Website may contain links to other websites. We are not responsible for the privacy practices of websites which we do not own, manage or control. You acknowledge that different terms of use and privacy policies may apply to your access to these other websites. Pine Labs does not endorse such websites and their third-party services and content and in no event shall we be responsible or liable for any products or services of such websites/third-party providers.

METHOD OF USING INFORMATION COLLECTED

We collect, use, and disclose your personal data to:

  • Tailor-make our Website to suit your interest.
  • Carry out our obligations arising from any contracts entered into between you and us and to provide you with the information and Services that you request from us;
  • Respond to your inquiries or to process your requests in relation to your information;
  • Optimize the Website for you based on your usage pattern;
  • To get in touch with you when necessary;
  • Carry out market research campaigns;
  • To preserve social history as governed by existing law or policy; and
  • For auditing and logging purposes;
  • To send you confirmations, notifications, acknowledgments and other details pertaining to the Services you have placed on the Website;
  • Administer our Website and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
  • Sirect our efforts to improve features and facilities, including privacy features; and
  • Send you materials regarding:
    • (i) upcoming offers; and/or
    • (ii) any information that we deem material in order for you to be a fully informed user and customer of, and visitor to the Website.

Consent

By accessing the Website and/or using the Services, you hereby consent to the collection, processing and storage of your personal data as set out in this Privacy Policy.

We do not knowingly provide access to our Website and Services to anyone below the Age of Majority or collect any personal data in relation to any such person. By accessing the Website and using the Services, you represent that you are at least the Age of Majority in your country/state/province of residence, where applicable.

“Age of Majority” means 21 years old, as stipulated in the Personal Data Protection Act or such age as stipulated by the requisite law in order for Pine Labs to lawfully collect personal data from the individual without parental consent.

SHARING OF INFORMATION

We will not use information collected by you, for any purpose other than as set out in this Privacy Policy. We do not rent, sell or share your personal data and we will not disclose any of your personal data to third parties unless:

  • We have your permission;
  • It is necessary to provide and facilitate provision of the Services;
  • It is to help investigate, prevent or take action regarding unlawful and illegal activities, suspected fraud, potential threat to the safety or security of any person, violations of our Terms of Use or to defend against legal claims;
  • It is with a successor to all or part of our business;
  • Special circumstances such as compliance with court orders, requests/order, notices from legal authorities or law enforcement agencies compel us to make such disclosure; and
  • It forms part of the anonymous information we share with our sub-distributors and channel partners and/or advertisers on an aggregate basis.

We may communicate your personal data to the following categories of third parties for the purposes mentioned in this notice:

  • Payment service providers, payment gateways, Acquiring Banks and Pine Labs Affiliates
  • Service providers who provide us data centre services.
  • Authorized authorities, agencies, or administrations, as required by applicable local law such as respective Information Commissioner’s office of the country
  • e-mail notification service providers, SMS service providers to send transaction alerts to end customers;
  • Customer Relationship Management(CRM tools) used for Customer grievances and support issues
  • Helpdesk and chat support tools; and
  • Any other purposes directly incidental to the above.

We may also pass aggregate information on the usage of our Website (e.g., we might disclose the median ages of visitors to our Website, or the numbers of visitors to our Website that come from different geographic areas) to third parties, but this will not include information that can be used to identify you personally.

If a business transfer or change of business ownership takes place or is envisaged, we may transfer your personal data to the new owner (or a prospective new owner). If this happens, you will be informed of this transfer following the completion of such transfer or change of business ownership.

Where any such personal data is shared to any third party (including government authorities) other than third parties mentioned herein, we will notify you of what information has been shared, and for what purpose, unless otherwise restrained from doing so

In case you require more specific details of this, you may write to us at installment.int@pinelabs.com

THIRD PARTY PLATFORMS

You may be directed to third-party applications from our Website which we do not control. This Privacy Policy solely and exclusively governs your usage and experience of our Website. Accordingly, we undertake no liability whatsoever as regards your usage of these third-party applications and you may visit them at your own risk. We strongly encourage that you read the privacy policies of any third-party website / application you are directed to before using the same.

If you choose to use chat rooms or other message areas or leave feedback, we will collect that information you provide to us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.

This Website and its contents do not give any party additional rights or remedies and should not be construed as a binding agreement.

This section is to explain who will have access to your personal data. Your personal data will only be seen or used by our employees or third parties who have a legitimate business need to access your personal data for the purposes set out in this Privacy Policy

DUE DILIGENCE AND SAFEGUARDS

Pine Labs uses reasonable physical, technical and administrative measures to safeguard personal data you provide through the Website or in connection with its Services. We apply these measures based on the sensitivity of the personal data we collect, use, and store, and the current state of technology. We protect your personal data through technical and organizational security measures to minimize risks associated with data loss, misuse, unauthorized access, and unauthorize disclosure and alteration.

Unfortunately, the transmission of your personal data via the internet is not completely secure and although we do our best to protect your personal data, we cannot guarantee the security of your data transmitted to us over the internet and you acknowledge that any transmission is at your own risk.

Pine labs uses commercially reasonable efforts to evaluate the data protection practices of third parties that process electronic documents and files and will or may have access to or process personal data. Pine Labs requires such third parties to provide, at a minimum, the level of data protection required of Pine Labs under applicable data protection laws and regulations, including, but not limited to, the requirements to:

  • Use commercially reasonable security measures in providing services to Pine Labs to preserve the security, integrity, and confidentiality of personal data, and to protect against unauthorized access and anticipated threats or hazards to personal data;
  • Use personal data only for Pine Labs to provide its Services, and not process personal data for any other purpose;
  • Handle and maintain personal data in compliance with applicable data privacy and protection laws, rules, and regulations;
  • Comply with obligations as required by all applicable data privacy and protection laws, rules, and regulations;
  • Immediately notify Pine Labs about any actual or potential security breach affecting personal data processed on behalf of Pine Labs;
  • Assist and support Pine Labs in dealing with requests from governmental authorities, data controllers, data subjects or data protection authorities, as applicable;
  • Not transfer personal data to a third country unless expressly authorized to do so by Pine Labs; and
  • Not engage another data processor without prior specific authorization of Pine Labs.

PROCEDURE FOR CORRECTING INACCURACIES IN THE INFORMATION

You may have certain rights related to your personal data , subject to local & applicable data protection laws. These rights may include:

  • You can access and review personal data associated with your account at any time by sending us an e-mail to submit this request with us: e-mail ID: installment.int@pinelabs.com
  • You also can request the following information: how we collect and use your personal data and why; the categories of personal data involved; the categories of recipients of your personal data ; how we received your personal data and its source; our business purpose for using your personal data ; and how long we use or store your personal data or the manner in which we determine relevant retention periods;
  • You have a right to correct your personal data by sending us an e-mail to submit this request with us: e-mail ID: installment.int@pinelabs.com
  • In certain situations, you can ask that we delete/erase or stop using your personal data (and object to use of your personal data ) or export your personal data . Please send us an e-mail to submit this request with us: e-mail ID: installment.int@pinelabs.com
  • Where we rely on your consent to process your personal data , you have the right to decline consent and/or if provided, to withdraw consent at any time. This will not affect the lawfulness of processing prior to the withdrawal of your consent. When you withdraw consent to process your personal data, Pine Labs shall take all necessary steps to cease all collection, use, and/or disclosure of such data in our possession and control. Where applicable, our third-party affiliates shall also be notified of the withdrawal of consent and shall take all necessary steps to cease all collection, use, and/or disclosure of such data in their possession and control. We shall delete your data upon request and only retain your data to the extent necessary to comply with retention requirements of any applicable laws.
  • At any time, you can request that we stop using your personal data for direct marketing purposes. See our [Cookie notice- insert hyperlink here], How can I control my cookies section of our Privacy Policy for more information on your choices;
  • You have a right to provide us with guidance on the use, storage, and deletion of your personal data after your death; and
  • You have a right to raise questions or complaints with your local data protection authority at any time.

We will take reasonable steps to verify your identity. If you have an account with us, we may verify you through your login of your account. If you do not have an account with us, we may seek a confirmation by email or seek other identification information, including government-issued identification, to verify your identity.

You may authorize an agent to make a request to us on your behalf and we will verify the identity of your agent or authorized legal representative by either seeking confirmation from you or documents that establish the agent’s authorization to act on your behalf.

Please note your rights and choices vary depending upon your location. Certain personal data may be exempt from such requests under applicable law. We need certain types of personal data so that we can provide the Services to you. If you ask us to delete it, you may no longer be able to access or use our Services.

Our response time to your request is within [3-5] business days from receipt of your request. If more than [5] business days would be required, we will inform you within the first [5] days of the time when we would be able to respond to your request.

Please send an e-mail : installment.int@pinelabs.com

HOW LONG DO WE KEEP YOUR PERSONAL DATA?

We will keep your personal data for no longer than necessary, for the purposes we have set out above. We will retain your information for as long as needed in order to provide the relevant Services to you or perform any contract we have with you and for a limited period afterwards in order to deal with any queries or complaints.

Any third parties that we engage will keep your data stored on their systems for as long as is necessary to provide the relevant Services to you or us. If we end our relationship with any third-party providers, we will make sure that they securely delete or return your personal data to us.

We may retain personal data about you for statistical purposes (for example, to help us better advertise our Services). Where data is retained for statistical purposes it will always be anonymized, meaning that you will not be identifiable from that data.

Cookies And Other Similar Technologies

We use various technologies to collect or receive information when you access or use our Services, including placing a piece of code, commonly referred to as a “cookie,” or similar technology on your device and using web beacons. Cookies are small data files that are stored on your hard drive or in your device memory when you visit a website or view a message. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We will begin collecting information about you or from activity on devices you use as soon as you use the PoS and/or our Services. By using our Services, you permit us to collect or receive and use your information from activity on devices you use in accordance with this Privacy Policy. Certain cookies we use last only for the duration of your web or application session and expire when you close your browser or exit the application. Other cookies are used to remember you when you return to use the Services and, as such, will last longer.

We may use cookies to:

  • Remember that you have visited us or used the Services before. This allows us to identify the number of unique visitors we receive, so that we can provide enough capacity to accommodate all of our users.
  • Customize elements of the promotional layout and/or content of our Services.
  • Collect data about the way you interact with our Services (e.g., when you use certain features).
  • Collect data to assess and improve our advertising campaigns, including sending information to our business partners.
  • Allow our business partners (including third parties) to use these tracking technologies to track your behavior on our behalf on our website/platform (including when you use multiple devices) and on partner websites.
  • Enable third parties to collect data about the way you interact across sites outside of our Services.
  • Collect anonymous statistical information about how you use the Services (including the length of your web or application session) and the location from which you access the Services, so that we can improve the Services and learn which elements and functions of the Services are most popular with our users.

Some of the cookies used in the Services are set by us, and others are set by third parties who deliver services on our behalf.

Most web and mobile device browsers are set to automatically accept cookies by default. However, you can change your browser settings to prevent automatic acceptance of cookies, or to notify you each time a cookie is set. Please note, however, that by blocking or deleting cookies used in the Services, you may not be able to take full advantage of the Services.

We also may collect or receive information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We use web beacons to deliver cookies, track the number of visits to our website and apps, understand usage and campaign effectiveness, and determine whether an email has been opened and acted upon.

EU General Data Protection Regulation and UK Data Protection Laws - Legal Basis

The EU GDPR and UK data protection laws require a legal basis for our use of personal information. Our basis varies depending on the specific purpose for which we use personal information. We use:

  • Performance of a contract when we provide you with products or services, or communicate with you about them. This includes when we use your personal information to take and handle orders, deliver products and services, and process payments.
  • Our legitimate business interests and the interests of our customers when we improve Our services (including when we use your voice, video, or camera input to improve services), when we detect and prevent fraud and abuse in order to protect the security of our customers, ourselves, or others, and when we provide you with interest-based advertising.
  • Your consent when we ask for your consent to process your personal information for a specific purpose that we communicate to you. When you consent to our processing your personal information for a specified purpose, you may withdraw your consent at any time and we will stop processing of your data for that purpose.
  • Compliance with a legal obligation when we use your personal information to comply with laws.
  • These and other legal bases depending on the purpose for which we use personal information.

POLICY UPDATES

This Privacy Policy was last updated on 21st July' 2022. We reserve the right to change or update this policy at any time. Such changes shall be effective immediately upon posting on this Website. Please check it regularly on our Website(s) for any updates.

DATA PROTECTION OFFICER

Should you have any other questions about this Privacy Policy or other privacy concerns, you can email us at installment.int@pinelabs.com

JURISDICTION

If you choose to visit the Website, your visit and any dispute over privacy is subject to this Privacy Policy and the Website’s Terms of Use. Regardless of where you live, you consent to have your personal data transferred, processed and stored in India to the extent that is allowed by the Personal Data Protection Act 2012 In addition to the foregoing, any disputes arising under this Privacy Policy shall be governed by the laws of Singapore and the courts of Singapore shall have exclusive jurisdiction.

TERMS OF USE

Your use of and access of the Website including any disputes arising therefrom, is subject to this Privacy Policy as well as our Terms of Use. Please read our Terms of Use carefully in order to obtain information on the terms governing the use of and access to the Website.

Changes to Policy

Pine Labs reserves the right to modify this Privacy Policy at any time to ensure that it is consistent with its business development or changes in applicable legal or regulatory requirements. Changes and clarifications will take effect immediately upon their publication on the Website. Should you no longer agree to this Privacy Policy, you can opt out of any such changes to our Privacy Policy by emailing us at installment.int@pinelabs.com.