PayCrunch is committed to protecting its Website visitors and mobile Application users’ privacy (such visitors and users, hereinafter collectively referred to as “Users” or “You” or “Your”). The following Privacy and Cookie Policy outlines the information PayCrunch (hereafter “PayCrunch”, “We” or “Us”) may process and how we may use that information to better serve Users while using our Website (the 'Website'), our mobile customer application (the 'Application') and our services (collectively the "Services"). If You have questions about this Privacy and Cookie Policy, please contact us at admin@paycrunch.in

A. OPTIMIZATION OF WEBSITE & APPLICATION
When You visit the Website, the administrator processes technical data such as Your IP-address, visited web pages, the internet browser You use, Your previous/next visited websites and the duration of a visit/session, to enable us to deliver the functionalities of the Website. In addition, in certain instances the browser may prompt You for Your geo-location to allow us to provide You with an enhanced experience. With this technical data the Website administrator can manage the Website, for instance by resolving technical difficulties or improving the accessibility of certain parts of the Website. This way, we ensure that You can (continue to) find the information on the Website in a quick and simple manner. When You use the Application, we also process technical data such as Your IP-address, Device ID or MAC-address, and information about the manufacturer, model, and operating system of Your mobile device. PayCrunch may also process other data from Your phone such as contact list, location, SMS, information on usage of other apps, photo gallery, phone camera, etc. based on Your consent at the time of installing the Application or subsequent updates. We may also access information on other applications in Your phone based on the access settings or criteria of those applications. PayCrunch will use this data to enable itself to deliver the functionalities of the Application, resolve technical difficulties, and provide You with the correct and most up-to-date version of the Application and to improve the function of the Application.

B. OPTIMIZATION OF CUSTOMER SERVICE
When You register as a User, we will collect Your name, email address, country, language, password, mobile phone number, IP-address, Device ID. We will use Your contact details to send You a welcoming email/message to verify Your username and password, to communicate with You in response to Your inquiries, and to send You service-related announcements, for instance, if our Services are temporarily suspended for maintenance. We will use Your registration information to create and manage Your User account. We may deactivate Your account if we suspect that You use our Application to commit fraudulent or illegal acts or if You violate our terms of use.

C. PERSONAL INFORMATION
When You use the service of the Application, the Website or the CC we provide, You don’t reveal any of Your personal information to the other Users except to potential Benefactors when you have applied for a loan as a Beneficiary or as party to a contract where you are either a Beneficiary or a Benefactor. When you use PayCrunch Application, Website, or CC services, PayCrunch may also collect partial payment data and other information associated with transactions that you make using debit or credit cards, online banking services, ecommerce web sites and apps, and mobile wallets by accessing, collecting, and analysing Your SMS inbox. PayCrunch may also collect from Your mobile telephone information about Your contact list, location, and usage of other applications in order to understand your behaviour. PayCrunch will only do this with Your prior consent. PayCrunch may also record the identity of the product or service in respect of such SMS messages, and the price or fee paid or payable in respect of such products or services.

D. DISCLOSURE OF YOUR DETAILS
We may employ third party firms and individuals to facilitate or provide the Services on our behalf, to process payment, provide customer support, to perform Website-related or Application-related services (e.g., without limitation, maintenance services, database management, web or app analytics and improvement of the Website's or Applications features) or to assist us in analyzing how our Services are used. These third parties may have access to Your personal information only to perform these tasks on our behalf and are contractually bound not to disclose or use it for any other purpose. PayCrunch will disclose Your personal data to the extent that this is legally required, or necessary for the establishment, exercise or defense of legal claims and legal process; or in the event of an emergency pertaining to Your health and/or safety. If You believethat any information we are holding on You is incorrect or incomplete, please write or email us at admin@paycrunch.in as soon as possible. We will promptly correct any information found to be incorrect.

E. HOW WE USE COOKIES
A cookie is a small file which asks permission to be placed on Your computer's hard drive. Once You agree, the file is added and the cookie helps analyze web traffic or lets You know when You visit a particular site. Cookies allow web applications to respond to You as an individual. The web application can tailor its operations to Your needs, likes and dislikes by gathering and remembering information about Your preferences. We use traffic log cookies to identify which pages are being used. This helps us analyze data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system. Overall, cookies help us provide You with a better website, by enabling us to monitor which pages You find useful and which You do not. A cookie in no way gives us access to Your computer or any information about You, other than the data You choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but You can usually modify Your browser setting to decline cookies if You prefer. This may prevent You from taking full advantage of the website.

F. LINKS TO OTHER WEBSITES
The Website may contain links to other websites of interest. However, once You have used these links to leave the Website, You should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information, which You provide whilst visiting such sites and this privacy statement does not govern such sites. You should exercise caution and look at the privacy statement applicable to the website in question.

H. CHANGES IN THIS PRIVACY POLICY
We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify You by email or SMS message and by means of a notice on the Website prior to the change becoming effective. We encourage You to periodically review this page for the latest information on our privacy practices.

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