- 0120-5263385
- sales@zinpay.co.in
Jaypee Wish Town Sector 134 Noida, Uttar Pradesh-201304, India
General
ZingPay will not sell, share or rent Your personal information to any 3rd party or use Your email address/mobile number for unsolicited emails and/or SMS. Any emails and/or SMS sent by ZingPay will only be in connection with the provision of agreed services & products and this Privacy Policy. Periodically, ZingPay may reveal general statistical information about ZingPay & its users, such as number of visitors, number and type of goods and services purchased, etc. ZingPay reserves the right to communicate Your personal information to any third party that makes a legally compliant request for its disclosure.
Personal Information
Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as name, address, telephone number, email ID, bank account information, information about your mobile phone and any details that may have been voluntarily provide by the user in connection with availing any of the services on ZingPay website / mobile application. When You browse through ZingPay, ZingPay may collect information regarding the domain and host from which You access the internet, the Internet Protocol [IP] address of the computer or Internet service provider [ISP] You are using, and anonymous site statistical data.
Use Of Personal Information
ZingPay uses personal information to provide You with services & products You explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, collect money, measure consumer interest in our services, inform You about offers, products, services, updates, customize Your experience, detect & protect us against error, fraud and other criminal activity, enforce our terms and conditions, etc. ZingPay also uses Your contact information to send You offers based on Your previous orders and interests.Collection Of SMS Information
We collect, read or store your transactional, offer and OTP messages from your inbox. We collect and monitor financial and other text messages from all senders from your inbox, which helps us identify the various bank accounts you may hold, cash flow patterns, transactions you conduct as a user A description and amount to provide to assist us in our credit risk assessment, to enable us to determine your risk profile and to provide you with appropriate credit analysis. We will also judge whether you are at risk of fraud based on your other text messages to prevent your application from being overdue. This process will enable you to obtain financial facilities from regulated financial entities available on the platform. This SMS data also includes your historical data. While using the app, it periodically sends all SMS messages to our affiliated servers and to us.SMS Log Information:
1. SMS Log Information:1.1. Purpose of SMS Collection:
• We collect and analyze SMS data solely for the purpose of performing alternate underwriting of loan applications and improving our services.
• Our AI methodology examines non-personal SMS content to extract relevant information related to your financial transactions, income, and other relevant factors that help us assess your creditworthiness.
1.2. Types of SMS Data Collected:
• We do not collect personal SMS content, including messages containing sensitive information such as passwords, social security numbers, or personal identification numbers.
• Our AI algorithms are designed to filter out and exclude such sensitive information from the analysis. We prioritize user privacy and ensure that only non-personal information is processed.
2. Confidentiality and Data Security:
We prioritize the confidentiality and security of your SMS data. All collected SMS data is securely stored and transmitted using industry-standard encryption and security measures. We take steps to ensure that your information remains protected and inaccessible to unauthorized parties.
3. Third-Party Access:
We do not share your personal SMS data with any third parties for marketing purposes. However, we may share anonymized and aggregated data with our trusted partners and service providers for the purpose of improving our services, enhancing our algorithms, and developing new features.
4. Customer Consent
By using our lending mobile app, you acknowledge and provide your consent for the collection and analysis of SMS data for the purpose of serving you better and enhancing our loan application process. We want to ensure transparency and explain how we utilize SMS data to provide you with an improved lending experience.
By using our lending mobile app and providing consent for SMS data collection, you acknowledge that you have read, understood, and agree to the terms outlined in this consent statement.
Image Information
1. Image Information:1.1 Purpose of Image Information Collection:
• ZingPay collects users' images to facilitate various essential processes related to digital lending, including KYC (Know Your Customer), identity verification, loan application processing, and agreement generation.
• The collected images are shared with our trusted lending partners to enable loan processing and decision-making.
• We may also use the images to improve our services, enhance user experience, and ensure compliance with applicable laws and regulations.
1.2 Types of Images Collected:
•The types of images collected by ZingPay may include, but are not limited to, photographs, government-issued identification documents, address proofs, income proofs, and other relevant documents necessary for loan application and verification processes.
2. User Consent and Disclosure
2.1 Consent for Image Collection:
• By using the ZingPay app, you provide explicit consent for the collection, storage, and usage of the images you upload for the purposes mentioned in this Privacy Policy.
• You acknowledge that the images provided are accurate, authentic, and legally permissible for use in the lending process
2.2 Sharing with Lending Partners:
• ZingPay shares the images and associated data with trusted lending partners to facilitate loan processing, verification, and underwriting.
• Our lending partners are bound by strict confidentiality and data protection agreements to ensure the security and confidentiality of your personal information.
3. Security Measures
• ZingPay takes appropriate technical and organizational measures to protect the images and associated data from unauthorized access, loss, misuse, alteration, or destruction.
• We implement industry-standard security practices, such as encryption, access controls, secure storage, and regular security audits, to safeguard your personal information.
Data Safety Section
We use the DeviceId (for Campaign management) and user phone number (for Google Analytics) to track how the customer journey (registration, KYC, loan application) is progressing and help the customer in case he is getting stuck or seeing a dropoff.ZingPay Account Data
We at ZingPay collect the data you provide to us when you create or update your ZingPay Account. This includes your name, phone number, email ID, PAN, date of birth, pin code, nature of employment, official employment type and name of employer, monthly income, marital status. We or ZingPay may require you to share further information on a later date to confirm the veracity of your information or pursuant to any additional features added to the App. How we and ZingPay use this data: See, For Enabling the App and its Services; For Loan Processing and KYC Authentication; For Enabling Customer Support; For Research and Development; For Enabling Communications Between You and Us; For enabling Marketing and Outreach; For Automated Decisions; For Legal Compliance and Requirements.Geolocation data
We at ZingPay collect the location data from you in two ways:(i) when you add the pin code as part of your ZingPay Account data; and
(ii) from your mobile device when enabled by you to do so. ZingPay collects this data when the App is running in the background of your mobile device. You will not be able complete the pre-qualifier step of the App if you disable the location services.
Do We Use Cookies?
Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.We Use Cookies To:
Help remember and process the transaction through the ZingPay website / mobile application Understand and save user's preferences for future visits. Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third party services that track this information on our behalf.You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser's Help menu to learn the correct way to modify your cookies. If users disable cookies in their browser: If you disable cookies off, some features will be disabled It will turn off some of the features that make your site experience more efficient and some of our services will not function properly.