Privacy & Security Policy
Effective Date: Effective from 1st December 2017
WHAT TYPES OF INFORMATION DOES Z2P COLLECT FROM ME?
Sensitive Personal Data / Information: We may collect Sensitive Personal Data / Information that you provide to us, such as your name, mailing address, phone number, email address, phone contacts, text messages, email contacts, call logs, social profiles, credit card number, pan number, tan number, income tax returns, bank account number, passport details, driving license details, personal statements, reasons for seeking finance, income sources and financial information.
Non-Personal Information: We also collect non-personal information from you, such as your browser type, the URL of the previous app you visited, your ISP, operating system, and your Internet protocol (IP) Address ("Non-Personal Information"). Non-Personal Information cannot be easily used to personally identify you.
HOW AND WHEN DOES Z2P COLLECT THIS INFORMATION?
Providing Information to Us: We collect Sensitive /Personal Data / Information from you when you provide it to us. For example, if you purchase a product or services, or make an application for seeking a grant of loan, we may collect your mailing address, phone number, email address, phone contacts, text messages, email contacts, call logs, social profiles, credit card number, pan number, tan number, income tax returns, bank account number, passport details, driving license details, personal statements, reasons for seeking finance, income sources and financial information. If you create either a Lender Account or a Borrower Account, we may collect your mailing address, phone number, email address, phone contacts, text messages, email contacts, call logs, social profiles, credit card number, pan number, tan number, income tax returns, bank account number, passport details, driving license details, personal statements, reasons for seeking finance, income sources and financial information.
Communications With Us: If you communicate with us regarding the App or the Z2P Services, we will collect any information that you provide to us in any such communication.
Analytic and Reporting Technologies: Like the operators of most apps, we use analytic and reporting technologies to record Non-Personal Information such as Internet domain and host names, Internet protocol (IP) addresses, browser software, operating system types, clickstream patterns, and the dates and times that the App and the Z2P Services are accessed. We also contract with several online partners to help manage, monitor and optimize our App and the Z2P Services and to help us measure the effectiveness of our advertising, communications and how visitors use the App. To do this, we may use web beacons and cookies.
HOW DOES Z2P USE MY INFORMATION?
Personal Information: We use Personal Information primarily for our own internal purposes, such as providing, maintaining, evaluating, and improving the App, fulfilling requests for information, , and providing customer support. Your personal information WILL NOT be shared with the other members of this app. We may however share some of the information to our partnered organisations for the sole purpose of the service we provide and nothing else. We might use some personal info like your phonebook contacts, messages to call/message them in case you default in a loan. Z2P is not required to seek your consent once again in respect of sharing your personal information with third parties. The term Personal Information shall include your name, address, e-mail id and mobile phone number but it shall not include any data in relation to your financial status, income statements, earnings, source of earnings, personal identification numbers, passwords, code numbers, bank account numbers, credit card numbers, expiry dates relationship numbers, CVV numbers, encryptions, cookies and other such electronic details. By signing up, you also authorize Z2P to use your phone contacts, text messages, email contacts, social profiles for the purpose of credit analyzing and recovery in case a loan is defaulted. Z2P has the right to reach your contacts via call/sms/email/physical in order to know about your whereabouts incase the loan is defaulting or you are not in our communication. Please note, Z2P has the right to contact and message the user even if the user has DND registered number. Also, we have the right to contact and message DND registered numbers in your contacts.
Non-Personal Information: We use Non-Personal Information to track the use of the App and the Z2P Services and for other internal purposes, such as providing, maintaining, evaluating, and improving the Z2P Services and the App.
WHEN WILL Z2P DISCLOSE MY INFORMATION TO THIRD PARTIES?
Disclosure to Successors: We may disclose your Personal Information to any successor-in-interest of ours, such as a company that acquires us. In the event Z2P goes through a business transition, such as a merger or acquisition by or with another company, or sale of all or a portion of our assets, your Personal Information will likely be among the assets transferred. You will be notified via email or by a notice on our App of any such change in ownership or control of your Personal Information.
Disclosure to Unaffiliated Third Parties: We shall keep your personal information and Sensitive Personal Data / Information private and confidential. We may disclose your Personal Information and/or Sensitive Personal Data / Information to prevent an emergency, to respond to legal requirements, to protect or enforce our rights and policies, to protect or enforce the rights of a third party, or as required or permitted by law (including, without limitation, to comply with a summon or court order). For any legal cases, only the data recorded for the last 30days will be provided as proof. Z2P will not be liable to provide any proof pertaining to user activity post 30 days period of the action in question.
Disclosure to Third Party Service Providers and Online Partners: We may contract with various third parties who help us provide, maintain and improve the App and the Z2P Services. For example, we use a third party to process payments made to us, and may subcontract out production, fulfillment, analytics, reporting or other operations. We also contract with several online partners to help manage, monitor and optimize our App and the Z2P Services and to help us measure the effectiveness of our advertising, communications and how visitors use the App. We will use commercially reasonable efforts to prevent such third parties from disclosing your Personal Information, except for the purpose of providing the services in question. We cannot guarantee that such third parties will not disclose your Personal Information. In no circumstances, Z2P shall disclose data in relation to your financial status, income statements, earnings, source of earnings, personal identification numbers, passwords, code numbers, bank account numbers, credit card numbers, expiry dates relationship numbers, CVV numbers, encryptions, cookies and other such electronic details.
Disclosure of Non-Personal Information: We will disclose Non-Personal Information, in aggregate form, to potential strategic partners, advertisers, investors, customers, and others. You may not opt-out of the sharing of this information. However, it cannot be easily used to identify you personally.
Internet Advertising: We may use third party service providers to serve ads on our behalf across the Internet and sometimes on the App. They may collect anonymous information about your visits to our App, and your interaction with our products and services. They may also use information about your visits to this and other apps to target advertisements for goods and services. This anonymous information is collected through the use of a web beacon, which is industry standard technology used by most major apps.
Disclosure to Credit Rating Agencies & Reserve Bank of India: To make an improvement in its business Z2P may in share the personal information of a user with a Credit Rating Agencies and the information shall be shared with Credit Rating Agencies in the event, Reserve Bank of India issues guidelines or direction in this regard.
DOES Z2P PROTECT MY PERSONAL INFORMATION?
Personal Information: Whenever we obtain your Personal Information, we use commercially reasonable efforts to protect it from unauthorized access or disclosure. However, we are not insurers of the security of your Personal Information. Accordingly, we assume no liability for any disclosure of data due to errors in transmission, unauthorized third party access or other acts of third parties, or acts or omissions beyond our reasonable control.
App Content: The content that you store, post, or transmit on or through the App, such as message board postings, storefront pages, and images on your Products, may be accessed by other users, including people that you do not know. We are not responsible for the actions of others. Therefore, you should use care in communicating with other users and only disclose your Personal Information to other users that you know to be trustworthy. You should not assume that your content will be kept private.
HOW CAN I REVIEW AND MAKE CHANGES TO MY PERSONAL INFORMATION?
You can obtain a copy of your personal information and request that we correct errors if any, in the same by sending us an email at email@example.com. You may also do so via the “Update Profile” section in the app.
Tell-A-Friend If you choose to use our referral service to tell a friend about the App or the Z2P Services, we will ask you for your friend's name and email address. We will automatically send your friend a one-time email inviting him or her to visit the App. We store this information for the sole purpose of sending this one-time email and tracking the success of our referral program.
Security The security of your Personal Information is important to us. When you enter sensitive information such as a credit card number on our registration or order forms, we encrypt that information using secure socket layer technology (SSL).
We follow generally accepted industry standards to protect the Personal Information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Given that the Internet is a global environment, using the Internet to collect and process Personal Information necessarily involves the transmission of data on an international basis. By providing Z2P with your Personal Information you acknowledge and agree that we may store your Personal Information and transfer it to and from our servers located in the. We endeavor to protect all Personal Information collected through the App in a safe, confidential and secure manner.