Privacy Policy
Introduction
This Privacy Policy outlines how Kogta Financial (India) Limited ("we," "our," or "the Company") collects, uses, maintains, and discloses information collected from users ("you" or "User") of the KFin mobile application (“App"). This privacy policy applies to the App and all related services offered by the Company.
1. Information We Collect
We may collect personal identification information from Users in various ways, including, but not limited to, when Users download, register with, use our App, or in connection with other activities, services, features, or resources we make available through our App.
The information we collect may include:
A. Collection of Personal Information
i. Identity and Contact Information: Name, email address, phone number, address, government-issued IDs, Employee user name, password, and other information necessary to login the app. We also collect your biometric (fingerprints) for providing easy access to our applications.
ii. Bluetooth: We collect access of searching nearby devises for using the Bluetooth feature.
iii. Media Information: With your consent, we collect access to pick image and videos from gallery along with access to camera in the devices.
iv. Contact information & calling permission: With your consent, we collect access to contact list along with the permission for calling.
v. Location Information: We may also use GPS technology or other location services to determine your background location or foreground location. vi. Communication Information: If you communicate with us, including via our chatbot on our app, we collect your name, contact information, and the contents of any messages you send.
B. Collection of Technical Information
When you use the App, we also receive certain technical data automatically (described below, collectively “Technical Information”). This includes:
1. Employment and HR Data (for internal users): We shall collect Employee ID and profile, attendance, leave records, task updates and performance data.
2. Device and Connection Information: Consistent with your device or browser permissions, your device or browser automatically sends us information about when and how you install, access, or use our App. This includes information such as unique device identifiers (for
example, IMEI Number, device ID, advertising ID), device type, operating system information, browser information and web page referred, mobile network, connection information, mobile operator or internet service provider (ISP), time zone setting, IP address.
3. Usage Information: We collect information about your use of the App, such as the dates and times of access, browsing history, features used, and other information about how you use the App.
4. Log and Troubleshooting Information: We collect information about how our App is performing when you use them. This information includes log files. If you or your device experiences an error, we may collect information about the error, the time the error occurred, the feature being used, the state of the application when the error occurred, and any communications or content provided at the time the error occurred.
5. Cookies & Similar Technologies: We use app cookies, scripts, or similar technologies (“Cookies”) to manage the App and to collect information about you and your use of the App. Cookies let us “remember” information about your preferences and passwords and allow you to move within our App without reintroducing yourself.
2. How We Use Collected Information
Kogta Financial (India) Limited may collect and use Users' personal information for the following purposes:
· To manage EMI collection
· To collect images of EMI collection receipts
· To share the location of customers from where collection has to be performed
· To calculate the EMIs of customers
· To support internal HR processes for our staff using the application
· To comply with applicable laws and regulations
· To provide details of assigned user whom the case is assigned
3. Data Security
We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored on our App.
4. Data Sharing and Disclosure
We do not sell your personal information to third parties. However, we may share your data in the following circumstances:
1. Service Providers: We may share data with trusted third-party service providers who assist us in operating the App and providing services to you.
2. Legal Requirements: We may disclose information if required by law, regulation, or legal process.
3. Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.
4. With Your Consent: We may share your information with third parties when you explicitly consent to such sharing.
Data collected in respect of customers shall be kept confidential and shall not be disclosed except to the extent stated above and to statutory bodies if so, required under law.
5. Third-Party Services
Our App may use third-party services that collect, monitor, and analyze information to improve the functionality of our App. These third-party service providers have their own privacy policies addressing how they use such information.
6. Security Measures
We implement rigorous security measures to protect your personal information:
1. Data Encryption:
o All sensitive data is encrypted during transmission using industry-standard TLS/HTTPS protocols
o Personal data are encrypted while stored on our servers
o End-to-end encryption is implemented for all financial transactions
2. Access Controls:
o Multi-factor authentication for app login
o Strict role-based access controls for our staff
o Automatic session timeout after periods of inactivity
o Account lockout after multiple failed login attempts
3. Infrastructure Security:
o Regular security patches and updates to all systems
o Firewall protection and intrusion detection systems
o 24/7 monitoring for unauthorized access attempts
o Regular security audits and vulnerability assessments
4. Data Protection:
o Regular backups with secure off-site storage
o Robust disaster recovery procedures
o Data minimization practices to limit collected information
o Secure data deletion processes when retention is no longer necessary
5. Mobile Device Security:
o Biometric authentication options (fingerprint/face recognition)
o Option to enable additional PIN protection
o Secure keyboard for entering sensitive information
6. Incident Response:
o Comprehensive data breach response plan
o Prompt notification of any security incidents as required by law
o Dedicated security team for incident investigation and resolution
7. Data Retention
We will retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your data to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.
8. Your Rights and Choices
You have certain rights regarding your personal information:
1. Access and Correction: You can review and update your personal information within the App settings. 2. Data Portability: You can request a copy of your data in a structured, commonly used format.
3. Deletion: You can request the deletion of your account and associated data, subject to legal retention requirements. 4. Marketing Communications: You can opt out of receiving marketing communications from us.
To exercise these rights, please contact us using the information provided in the “Contact Us” section on our website.
9. Changes to This Privacy Policy
Kogta Financial (India) Limited has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect.
10. Your Acceptance of These Terms
By using this App, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our App. Your continued use of the App following the posting of changes to this policy will be deemed your acceptance of those changes.