This Policy outlines Instamojo Research and Development Private Limited (hereafter “Instamojo”, “we”, “us”, or “our”) practices in relation to the storage, use, processing, and disclosure of personal data that you have chosen to share with us when you access our online store and marketplace, value added services, educational platform and payment aggregation services ( hereafter “Services”) on or through our different technology tools, including but not limited to [insert details of website and mobile application] (collectively “Platform”).

At Instamojo, we are committed to protecting your personal data and respecting your privacy. Please read the following terms of the Policy carefully to understand our practices regarding your personal data and how we will treat it. This Policy sets out the basis on which any personal data we collect from or about you, or that you provide to us, will be processed by us.

Capitalised words in the Policy shall have the same meaning ascribed to them in the Terms and Conditions (“Terms”), available at [https://www.instamojo.com/company/terms/]. Please read this Policy in consonance with the Terms.

By using our Services, you consent to the collection, storage, use, and disclosure of your personal data, in accordance with, and are agreeing to be bound by this Policy. This Policy, together with any terms of the arrangement we have with you, applies to your use of the Services.

1. THE DATA WE COLLECT ABOUT YOU

(a) Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (for example, anonymised data).

(b) We may, to the extent permitted by law, collect, use, store, and transfer different kinds of personal data about you to provide you with or in connection with the Services. Such personal data includes:

(i) Data pertaining to your identity and related data, such as your first and last name, username or similar identifiers, title, passwords, purchases, sales or orders of or through our Services, feedback, survey responses, etc.;

(ii) Contact details, including email addresses, phone numbers, delivery addresses, billing addresses, business addresses, social media information, etc.;

(iii) Data we collect in relation to our underwriting processes when you choose to access certain features of our Services. For example, this includes documents issued and accepted as proof of identity and/or proof of address by any governmental body and/or Authority including but not limited to passport, aadhaar card, election commission identification card, driving licence number, permanent account number, current bank account statement and ration card;

(iv) Transaction data, including details about payments to and from you and details of the services you have purchased and sold;‘

(v) Financial data, including the details of the financial products you have availed, bank account information, payment methods, cardholder information, UPI details, VPA details, etc.;

(vi) Device data, including but not limited to:

• SMS – SMSs containing financial transaction data;
• Location – location data recorded on your device;
• Device Information – including hardware model, operating system and version, IMEI and serial numbers, user profile information, IP addresses, browser types and versions, time zone settings, Wi-Fi and mobile networks;
• Camera access- to enable you to take photographs of (a) the products you wish to sell; (b) documents that you wish to submit to Instamojo; (c) any other photographs that you may be required to submit via the Platform. For example, photographs pertaining to complaints and dispute redressal process etc.
• Contacts – contact information stored on your device; and
• Accounts – list of accounts logged into from your device.