UNIGS

Privacy Policy

We value the trust you place in us. That's why we insist upon the highest standards for secure transactions and customer information privacy. Please read the following statement to learn about our information gathering and dissemination practices.

Note:

Our privacy policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this policy periodically. By visiting this UNIGS Mobile App you agree to be bound by the Terms and Conditions of this Privacy Policy. If you do not agree please do not use or access our UNIGS App.

By mere use of the App, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms of Use.

At UNIGS, we prioritize the privacy and security of your personal information. Here's how we protect your data:

Your account information is securely encrypted and masked on our servers.
Only you have access to view your account details.
We do not share any of your information with third parties.
Our Employees, Members, Developers, or any officials do not have access to your personal data.

Information Collection

We may collect your Personal Information when you use our services or Platform or otherwise interact with us during the course of our relationship. We collect Personal Information which is relevant and absolutely necessary for providing the services requested by you and to continually improve the UNIGS Platform.

Personal and Sensitive Personal Information collected, as applicable, includes, but are not limited to:

Name, age, gender, photo, address, phone number, e-mail id, your contacts, nominee details
KYC-related information such as PAN, income details, your business-related information, videos, or other online/ offline verification documents as mandated by relevant regulatory authorities.
Aadhaar information including Aadhaar number or Virtual ID for the purposes of e-KYC authentication with the Unique Identification Authority of India (UIDAI). Note that submission of Aadhaar information is not mandatory and there are alternatives to submission of identity information (e.g., Voter ID, DL)
OTP sent to you by UNIGS.
Your device details such as device identifier, internet bandwidth, mobile device model, browser plug-ins, and cookies or similar technologies that may identify your browser/UNUGS Applications and plug-ins, and time spent, IP address and location.
Your Short Messaging Service (SMS (es)) that are stored on your device for the purposes of, including but not limited to, registering you and your device for payments or investment services, OTPs for logins and payments, enhancing your security, bill payments and recharge reminders, and any other legitimate uses with your explicit consent

Purpose and Use of Information

UNIGS may process your Personal Information for the following purposes:

Creation of your account and verification of your identity and access privileges
Provide you access to the products and services being offered by commercial partners.
Fulfil your service request.
To conduct the KYC compliance process as a mandatory prerequisite as per the requirements of various regulatory bodies, including UIDAI under the Aadhaar Act and its Regulations
To validate, process and/or share your KYC information, nominee details with other intermediaries, Regulated Entities (REs) or AMCs or financial institutions or with any other service providers as may be required.
To process payments on your behalf and on your instructions; communicate with you for your queries, transactions, and/or any other regulatory requirement, etc.
Enhancing your user experience in various processes/submission of applications/availment of product/service offerings by analysing user behaviour on an aggregated basis
To monitor and review products/services from time to time; customize the services to make your experience safer and easier, and conducting audits.
To allow third parties to contact you for products and services availed/requested by you on UNIGS Platform or third-party links.
Enforce our terms and conditions.
To resolve disputes; troubleshoot problems; technical support and fixing bugs; help promote a safe service.
To identify security breaches and attacks; investigating, preventing, and taking action on illegal or suspected fraud or money laundering activities and conducting forensic audits as part of internal or external audit or investigation by UNIGS or government agencies located within India or outside the Indian jurisdiction.
To meet legal obligations

While we may also process your Personal Information for other legitimate business cases, we ensure to take appropriate steps to minimize the processing to the extent possible, making it less intrusive to your privacy.

Please note that when providing you with account aggregator services, we do not store, use, process, or have access to any financial information that you choose to transmit under our services.

Cookies or Similar Technologies

We use data collection devices such as “cookies” or similar technologies on certain pages of the Platform to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. “Cookies” are small files placed on your device hard-drive/storage that assist us in providing our services. Cookies do not contain any of your Personal Information. We offer certain features that are only available through the use of a “cookie” or similar technologies. We also use cookies to allow you to enter your password less frequently during a session. Cookies or similar technologies can also help us provide information that is targeted to your interests. Most cookies are “session cookies,” meaning that they are automatically deleted from your device hard-drive/storage at the end of a session. You are always free to decline/delete our cookies or similar technologies if your browser/device permits, although in that case you may not be able to use certain features on the Platform and you may be required to re-enter your password more frequently during a session. Additionally, you may encounter “cookies” or other similar technologies on certain pages of the Platform that are placed by third parties. We do not control the use of cookies by third parties.

Information Sharing and Disclosures

Your Personal Information is shared as allowed under applicable laws, after following due diligence and in line with the purposes set out in this Policy.

We may share your Personal Information with different categories of recipients such as Commercial partners, service providers, sellers, logistic partners, merchants, subsidiaries, legally recognized authorities, regulatory bodies, governmental authorities, financial institutions, internal teams such as marketing, security, investigation team, etc.

Personal Information will be shared, as applicable, on need-to-know basis, for the following purposes, including but not limited to:

For enabling the provision of the products/services availed by you and facilitating the services between you and the service provider, logistic partners, as requested.
For complying with applicable laws as well as meeting the Know Your Customer (KYC) requirements as mandated by various regulatory bodies, whose regulated service/product you opt through our services/Platforms.
For completing a payment transaction initiated by you on a merchant site, where based on your instructions, the merchant requests to fetch your Personal Information from us
If it is required by financial institutions to verify, mitigate, or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations.
For services related to communication, marketing, data and information storage, transmission, security, analytics, fraud detection, risk assessment and research.
Enforce our Terms or Privacy Policy.
Respond to claims that an advertisement, posting, or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the general public.
If required to do so by law or in good faith we believe that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process.
If requested by government authorities for government initiatives and benefits
For grievance redressal and resolution of disputes
With the internal investigation department within UNIGS or agencies appointed by UNIGS for investigation purposes located within or outside the Indian jurisdiction
Should we (or our assets) plan to merge with, or be acquired by any business entity, or re-organization, amalgamation, restructuring of our business then with such other business entity.

While the information is shared with third parties as per purposes set out in this Policy, processing of your Personal Information is governed by their policies. UNIGS ensures stricter or no less stringent privacy protection obligations are cast on these third parties, wherever applicable and to the extent possible. However, UNIGS may share Personal Information with third parties such as legally recognized authorities, regulatory bodies, governmental authorities, and financial institutions as per purposes set out in this Policy or as per applicable laws. We do not accept any responsibility or liability for usage of your Personal Information by these third parties or their policies.

Storage and Retention

To the extent applicable, we store Personal Information within India and retain it in accordance with applicable laws and for a period no longer than it is required for the purpose for which it was collected. However, we may retain Personal Information related to you if we believe it may be necessary to prevent fraud or future abuse or if required by law such as in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect or for other legitimate purposes.

Once the Personal Information has reached its retention period, it shall be deleted in compliance with applicable laws.

Security Precautions

UNIGS App has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

Your Consent

By using the Website and/ or by providing your information, you consent to the collection and use of the information you disclose on the Website in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.