This Policy is to make You aware of the procedures adopted by Us with respect to collection, use, storage, processing, disclosure and protection of any information provided by You, in the capacity of an individual, a guest user, browser and/or representative of an entity, who uses our Services (“User” or “You/r”).
Please keep in mind that when You provide information to Us on a third-party site or platform (for example, via Our Website or applications like social media login). The information We collect is through those third-party sites linked with Our Websites and is covered by this Policy, and the information the third-party site or platform collects is subject to the third-party site or platform’s privacy practices. Privacy choices You have made on the third-party site or platform will not apply to Our use of the information We have collected directly through Our Websites . Please also keep in observance that Our Websites and may contain links to other sites not owned or controlled by Us and We are not responsible for the privacy practices of those sites. We encourage You to be aware when You leave Our Websites to read the privacy policies of other sites they may collect Your personal information.
In some cases, Website may have stored some of Your information in Your device (computer, mobile, tablet). You will have to delete such information from Your device manually. If You have accessed Website/Mobile Apps and Paisaking Cashback Services from multiple devices, then You will have to delete the information stored in each of such device manually.
By using Our Services(for example, when You register for an account, enter a contest or promotion, communicate with Us, on Our Websites or through social media), You agree to provide consent to Our collection, use and sharing of Your personal information as described in this Policy. In some cases, particularly if You reside in a country governed by a data protection regulation, We may ask You to provide explicit consent to access Our services before proceeding for further operations. In case of any roaming user profile or if You are a traveller visiting various countries around the world and avail Services , then We will consider the country of registration as Your primary country and the consents obtained at the time of registration will be valid for Your processing of personal information.
Accessing Website, Mobile App and RCS Services through VPN
You should not access or use the Website/Mobile Apps or Paisaking Cashback Services by means of any mechanism or technology which conceals Your actual geo-location or provides incorrect details of Your location (for example, use a virtual private network (VPN) to access Paisaking Services , proxy server).
We will not be responsible or liable for any collection, storage or processing of Your personal information or data if You use any mechanism or technology to access or use Website/Mobile Apps or Paisaking Cashback services which conceals Your actual geo-location.
Collection and Use of Personal Information
Information Collected at the time of registration on Our Website
When You register using Your web accounts, including, without limitation, Facebook or Google account, We retrieve the following Information from Your account(s) to continue to interact with You and to continue providing You the Services. Information that We collect includes, but not limited to –
Public profile information (Facebook and Google) linking of social media accounts.
Information collected when You use Our Mobile Application
When You download Our mobile application We may collect, including but not limited to, the below information from You-
Location/IP address for geo-locating accurate up to 300 meters
SMS for OTP
Information You provide to Us voluntarily
If You send Us personal correspondence, such as emails or letters, or if other users or third parties send Us correspondence about Your activities or postings on the Website and Mobile Apps, We may collect and store such information. Post registration we give you the option to share further details such as gender, date of birth, marital status, city, Debit/Credit card bank names as part of your profile information. This helps us show you relevant offers.
We may collect additional information at other times, including but not limited to, when You provide feedback(s), modify Your content or email preferences, respond to surveys, provide comments, or communicate with us. This information may include Your name, e-mail id, mobile number, location, etc.
Information automatically collected while browsing/navigating through the Website
Except as otherwise specifically covered under this Policy, We do not automatically collect Your personally identifiable data through these cookies.
Do Not Track
The Website and Services currently do not process or respond to “Do Not Track” requests/signals which some internet browsers have the ability to send out.
Inferred Information through usage and log data
We may track certain information about You based upon Your behaviour while You avail the Services. We use this information for conducting internal research on our Users’ demographics, devices, interests, and behaviour to better understand, protect and serve Our Users.
We may also collect Your Information to track Your behaviour as a User and Your preferences for internal analytics and research. We may also use Your information:
To evaluate Your interest for various genres of content, services, offers;
To perform analytics and conduct customer research, to determine Your interest, for identifying content that generate sales and to analyse traffic patterns.
If You choose to post messages on social media accounts, message boards, 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.
The above information may also be captured by keeping cookies on Our Websites by Our affiliates for the purposes mentioned above.
Information We collect from third parties
Information obtained from other Sources
We may receive information about You from other online sources. We may add it to Our account information system and treat it in accordance with this Policy. We may reference other sources of demographic and other information in order to provide you with more targeted communications and promotions. We use Google Analytics, among others, to track the user behavior on our website. Google Analytics specifically has been enabled to support display advertising towards helping us gain understanding of our users’ Demographics and Interests. The reports are anonymous and cannot be associated with any individual personally identifiable information that you may have shared with us. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings options provided by Google.
Information obtained from Third party websites
If You link, connect or login to Your Paisaking account (if any) with third-party services they may send Us information such as Your registered e-mail id and public profile information from such third-party services, the indicative list of which is provided below;
Facebook – Email ID and public profile information which includes name, profile picture, age gender etc.
Google –Email id, language preference and age
Demographic and other information
We may reference other sources of demographic and other information in order to provide You with more targeted communications and promotions. In addition to our internal analytics and research, We use various third-party analytics service providers, among others, to track the User behaviour on Our Website. They are used to support display advertising towards helping Us gain understanding of Our users’ demographics and interests. The reports are anonymous and cannot be associated with any individual personally identifiable information that You may have shared with Us. You can opt-out or opt-in by giving a consent at to serve You advertisements when You visit Our Website or applications.
Disclosure to Third parties
In the event Paisaking Cashback Services is merged with or acquired by another company or in case of re-organization or re-structuring of business, We and Our affiliates may share Your personal information, wholly or in part, with another business entity. We may also disclose Your personal information to third parties in order to enforce or apply Our Terms of Service, or any other agreement or to respond to any claims, to protect Our rights or the rights of a third party, to protect the safety of any person or to prevent any illegal activity.
Usage of Websites in European Region
This policy shall also apply to Our Websites including but not limited to mobile applications that are available in the European Region. These Website have been updated to make them compliant to the European Union’s General Data Protection Regulations. and as a result of which, few of the Services offered by RCS may not be available in certain platforms in the European region.
You are urged to update to the most current version of Our Websites, listed and/or to delete certain applications that We no longer provide access, service or support so that We do not collect or store information of Users located in the EU. If You use an older version of these apps and/or access discontinued services, then We may collect, store and process Your information. In such case We would not be responsible or liable for such collection, storage and processing of Your information.
Purposes and Lawfulness of processing
We will only collect and process personal data about You where We have lawful basis. Lawful basis on which We would process Your personal data includes obtaining explicit consent from You for processing Your personal data or processing for “legitimate interests” where processing is necessary by Us to provide You with services (For e.g. processing Your information by Our group companies/affiliates).
We use and share personal data collected through the Services internally and with third parties to provide, analyse, administer, enhance and personalize Our service and marketing efforts, to process Your registration, to provide You Services, and to communicate with You related to below mentioned points. For example, We use information to:
Analyse and understand Our audience, improve Our services (including Our user interface experiences), recommendation algorithms and delivery which may require sharing personal information with Our group companies and affiliates or third-party service providers;
Determine Your account requirements and provide personalized suggestions, tips and recommendations, if any;
Provide You with interactive features through Our Service (for e.g., registering for campaigns/ contests on Our websites);
To help advertisers understand Our audience and confirm the value of advertising on Our Websites (however it is usually in the form of aggregated statistics on traffic to various pages within Our Website) and to provide You relevant advertisements;
Communicate with You concerning Our Service (for example by email, push notifications), so that We can send You news about Paisaking Cashback Services , details about new features and content available on the Websites, Mobile Apps, promotional announcements, and surveys, and to assist You with operational requests such as password reset requests;
Notify You about changes in Terms & Conditions and this Policy ;
Allow You to participate in interactive features offered through Our WebsiteSharing with Our customer support team, Data Protection Officer, data subject rights team and/or breach response team to resolve any incidents and/or Your queries/concerns related to Your rights or Services provided to You.;
Sharing with Our customer support team, Data Protection Officer, data subject rights team and/or breach response team to resolve any incidents and/or Your queries/concerns related to Your rights or Services provided to You.
Use of Information by Paisaking Cashback Services
The Information supplied by You enables Us to improve Our services and provide You the most user-friendly experience(s). In some cases for e.g. provision of certain service(s) or utility (ies), We may require Your contact information as well. All required information is service dependent, and the Company may use the above said user Information to, maintain, protect, and improve the services (including advertising on the “Application’) and for developing new services. We may also use Your email address or other personally identifiable information to send commercial or marketing messages with Your consent [with an option to withdraw Your consent (wherever feasible)]. We may, however, use Your email address without further consent for non-marketing or administrative purposes (such as notifying You of major changes, for customer service purposes, billing, for notifying You in case of any breach incidents, etc.).
Any personally identifiable information provided by You will not be considered as sensitive if it is freely available and / or accessible in the public domain like any comments, messages, blogs, scribbles available on social platforms like Facebook, twitter etc. Any posted/uploaded/conveyed/communication by users on the public sections of the Websites” becomes published content and is not considered personally identifiable information subject to this Policy. In case You choose to decline to submit personally identifiable information on the Websites, We may not be able to provide certain Services on the Websites to You. We will make reasonable efforts to notify You of the same at the time of opening or registering Your account on the Website. In any case, We will not be liable and or responsible for the denial of certain services to You for lack of You providing the necessary personal information.
When You register with the Services, We contact You from time to time about updating Your personal information to provide You features that We believe may benefit / interest You.
The Firm shares Your information with any third parties without obtaining the prior consent of User in the following limited circumstances:
When it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing these Terms or for complying with the applicable laws and regulations.
The Company proposes to share such information within its group companies and officers and employees of such group companies for the purpose of processing personal information on its behalf. We also ensure that these recipients of such information agree to process such information based on Our instructions and in compliance with this Policy and any other appropriate confidentiality and security measures.
How long do We store and use Your Information?
We retain the information which We have collected no longer than is necessary. This is determined on a case by case basis and required by local applicable laws. Normally We will retain the information as long as You maintain an account with Us and till the time You continue to access and use the Website/Mobile Apps to avail Paisaking Cashback Services . We will delete Your information whenever You request Us to do so. However, We may archive and/or retain some information for legal purposes to ensure our compliance with the applicable laws.
Your Controls and Choices
For any of the below request You may send Us an e-mail to Our support team.
Accessing and rectifying Your personal information
When You use the Services Website/application (or any of its sub sites), We make good faith efforts to provide You, as and when requested by You, with access to Your personal information and shall further ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible. We ask individual users to identify themselves and the information requested to be accessed or corrected before processing such requests. We may decline to process requests that are unreasonably repetitive or systematic, requiring disproportionate technical effort, jeopardizing the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case, where We provide information access and correction, We perform this service free of charge, except if doing so would require a disproportionate effort.
You can make access requests by sending an e-mail to us. You will get a link on Your registered Email address through which You can access all the personal data Paisaking collects and stores about You.
You can ask Us to correct inaccurate or incomplete personal information
Concerning Your login credentials by editing the same through Profile & Settings section. The same shall be reflected across all properties.
Concerning details that are separately collected and maintained by Paisaking, by sending an e-mail to Our support team at [email protected] to perform the rectification.
You may also be entitled to request copies of personal information that You have provided to Us in a structured, commonly used, and machine-readable format; wherever feasible. If You are registered on the Website , then you can request for a copy of this information by writing to Us at [email protected]
Data Retention and Erasure
We retain Your personal information as long as necessary for Us to provide Services to You, to comply with the applicable laws or till You ask Us to not retain Your data. If You no longer want Us to use Your information, then You can request that We erase Your personal information and close Your Website account. Please note that if You request for the erasure of Your personal information;
We may retain some of Your personal information as necessary for Our legitimate business interests, such as fraud detection and prevention and enhancing safety. For example, if We suspend the Website account for fraud or safety reasons, We may retain certain information from that account to prevent that user from opening a new account in the future.
We may retain and use Your personal information to the extent necessary to comply with Our legal obligations. For example, We may keep some of Your information for tax, legal reporting and auditing obligations.
Information You have shared with others (e.g., Reviews, forum postings) may continue to be publicly visible on the Website, even after Your account is cancelled. However, attribution of such information to You will be removed. Additionally, some copies of Your information (e.g., log records) may remain in Our database, but are disassociated from personal identifiers.
Because We maintain copies of personal information to protect from accidental or malicious loss and destruction, residual copies may take a period of time before they are deleted from Our active servers and may remain in Our backup systems.
You can request for deletion of Your information by writing to us at [email protected] Your request will be processed and You will receive confirmation of the same via email. Please note that this will only perform a deletion of the information that has been collected by Paisaking and will disable Your login information for Paisaking.
Withdrawing Consent and Restriction of Processing
For withdrawing Your consent at any time during the tenure of Your services with Us, You may choose to do so by sending Us an e-mail. We shall review Your request and may ask You to verify Your identity. Post verification We will withdraw the consent for which request was made by You and stop any further processing of Your personal information.
Objection to Processing
Where Your personal information is processed for direct marketing purposes or any contests or promotions or other services, You may, at any time ask Us to cease processing Your data for these direct marketing purposes by sending an e-mail to Us.
Please be aware that if You do not allow Us to collect personal information from You, We may not be able to deliver certain experiences, and services to You, and some of Our services may not be able to take account of Your interests and preferences. If collection of personal information is mandatory, We will make that clear at the point of collection so that You can make an informed decision whether to participate. If You have questions about the specific personal information about You that We process or retain, and Your rights regarding that personal information, please contact Us at the below mentioned e-mail address.
Per the GDPR requirements, We may take 30 (thirty) days from the date of receipt of request to complete Your requests. However, if the nature of the requests are excessive in nature or would require significant effort then may ask for an extension of 60 (sixty) days by giving a prior notice to You with the reason for the extension, as provided under GDPR.
We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and We may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case, where We provide information access and correction, We perform this service free of charge, except if doing so would require a disproportionate effort.
You can write to Us in case of any grievance or compliant at the support e-mail address. If You have any complaints regarding processing of Your personal information You may contact Our data protection officer at the below mentioned e-mail address. You have the right to complaint about the data processing activities carried out by Paisaking before the competent data protection authorities.
If You receive a suspicious email on Our behalf, We suggest You do not reply to it and do not open any attachments, click on links contained in the e-mail or provide any information in response to it. You can report suspected fraud involving Us by sending an e-mail to [email protected] Please include the word “phishing” in the subject line of Your e-mail and provide as much information as possible about the fraudulent activity or message. We do not send e-mails requesting a user for payment information, username or passwords. However, We may verify the user name, password etc. provided by You from time to time.
Paisaking is not intentionally designed for or directed at persons less than 12 (Twelve) years of age. Paisaking does not knowingly permit any person who is under 12 (Twelve) years of age to register with the services or to provide any other personally identifying information. If Paisaking becomes aware that any personally identifiable information of persons less than 12 (Twelve) years of age has been collected on the Website / Mobile Apps without verified parental consent, then Paisaking will take the appropriate steps to delete any such information and notify the parent. However, We consider it the responsibility of parents to monitor their children’s use of Our services. Nevertheless, it is Our policy not to collect and process any personal information from children below 12 (Twelve) years of age or offer to send any promotional materials to persons in that category. Paisaking does not seek or intend to seek or receive any personal information from children. Should a parent or guardian have reasons to believe that a minor has provided Paisaking with personal information without their prior consent, please contact Our Data Protection Officer team to ensure that the personal information is removed from the Website or Mobile Apps.
We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of Our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where We store personal data. All information gathered is securely stored within the Company controlled database. The database is stored on servers secured behind a firewall on the cloud; access to the servers is password-protected and is strictly limited. However, as effective as Our security measures are, no security system is impenetrable. If You know or have reason to believe that Your Paisaking account credentials have been lost, stolen, altered, or otherwise compromised or in case of any actual or suspected unauthorized use of Your account, please contact Us by contacting Our Data Protection Officer on the email address provided below.
Updates and Changes