Privacy Policy

1 Introduction

Welcome to Perkspe. This Privacy Policy outlines how Anjane Technologies ("Perkspe," "we," "us," or "our") collects, uses, stores, shares, and protects your personal information when you access or use our website (www.perkspe.com), mobile applications, and related services (collectively "Services").

Perkspe is committed to safeguarding your privacy and ensuring the security of your data. We operate in compliance with the Information Technology Act, 2000, and other applicable laws of India. By accessing or using our Platform, you expressly consent to the practices described in this Privacy Policy.

2 Consent

By using the Perkspe Platform and/or by providing your information, you consent to the collection and use of the information you disclose on the Platform in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy.

If you disclose any personal information relating to other people to us, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.

3 Information We Collect

We collect information to provide better services to all our users. The types of information we collect include:

3.1 Personal Information

When you register for a Perkspe account, we may ask for personal details such as:

• Identity Details: Name, date of birth, gender, marital status.
• Contact Information: Email address, mobile number, residential address.
• KYC Documents: PAN card, Aadhaar card number identification details as required for Know Your Customer (KYC) compliance mandated by RBI.

3.2 Financial Information

To facilitate transactions and corporate benefits, we may collect:

• Bank account details (account number, IFSC code).
• Transaction history, spending patterns, and merchant details.

3.3 Technical and Device Information

When you use our Platform, we automatically collect:

• Device Information: Hardware model, operating system version, and mobile network information.
• Location Data: GPS location to prevent fraud and ensure regulatory compliance required for certain financial transactions.
• Usage Data: Log files, IP address, browser type, and navigation patterns within the app or website.

4 Use of Information

We use the information we collect for the following purposes:

• Service Delivery: To create and manage your account, process transactions, issue cards, and facilitate perk redemptions.
• Regulatory Compliance: To comply with KYC/AML (Anti-Money Laundering) norms prescribed by the Reserve Bank of India (RBI) and other legal obligations.
• Communication: To send transaction alerts, OTPs, support messages, updates about our services, and promotional offers (which you can opt-out of).
• Risk Management: To detect, prevent, and address fraud, unauthorized access, or security breaches.
• Product Improvement: To analyze usage trends, improve user experience, and develop new features.

5 Disclosure of Information

We value your trust and do not sell your personal information. However, we may share your data in the following circumstances:

5.1 Service Providers and Partners

We share information with third-party vendors, payment gateways, KYC verification agencies, and card networks who assist us in operating our business and providing services to you. These partners are bound by confidentiality agreements.

5.2 Legal Requirements

We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to:

• Comply with a legal obligation, court order, or government request (e.g., from RBI, Income Tax Department).
• Protect and defend the rights or property of Perkspe.
• Prevent or investigate possible wrongdoing in connection with the Service.

5.3 Corporate Restructuring

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring entity.

6 Data Storage & Localization

At Perkspe, we are fully committed to complying with the payment data localization norms prescribed by the Reserve Bank of India (RBI).

6.1 Storage in India

• Primary Storage: All data relating to payment systems operated by us or our partners is stored exclusively in systems located within India.
• Server Location: Our servers and databases are hosted in secure data centers located within the territory of India to ensure your data remains under Indian jurisdiction.

7 Data Security

We implement robust technical and organizational measures to protect your data:

• Access Controls: Strict role-based access controls ensure that only authorized personnel can access your information.
• Audits: We conduct regular security audits and vulnerability assessments to identify and mitigate risks.

However, no method of transmission over the Internet is 100% secure. While we strive to protect your data, we cannot guarantee its absolute security.

8 Data Retention

We retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy.

9 Rights to Review & Correction

You have the right to access, review, and correct your personal information held by us. If you believe that any information we hold is inaccurate or incomplete, you can update it through the Perkspe mobile application or by contacting our support team. We will take reasonable steps to correct any inaccurate information.

10 Cookies & Tracking

We use cookies and similar tracking technologies to track activity on our Service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

11 Third-Party Links

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

12 Updates to Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

13 Grievance Redressal

In accordance with the Information Technology Act 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:

For general support queries, please contact:

• Email: [email protected]