This Privacy Policy (Policy) together with our Terms of Use and any additional terms of use apply to your use of EMI WiseMaster application software (App), a product of MJ SHAH CAPITAL PRIVATE LIMITED (company), available on our site or hosted on the Google Play Store, once you have downloaded or streamed a copy of the App onto your mobile phone or handheld device (device). Also, any of the services accessible through the App (service) or those available on the App site. This Policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By downloading the App, you confirm that you have read, understood and accept the terms of this Policy set out hereunder. You also consent to the collection, use, storage, processing and disclosure of your personal information in the manner set out in this Policy.
Data We Collect from You
Begin by signing up on our App with your phone number, a necessary step to use our services. In doing so, you consent to share key personal details, including your phone number and loan repayment information. After you register, a one-time password (OTP) will be sent to your messaging inbox for device authentication.
Permissions We Require
To provide the best experience, our App may request the following permissions from your device:
- DeviceID: To uniquely identify your device for security purposes and to ensure proper App functionality.
- Advertising ID: To provide personalized advertisements and to track ad performance across platforms.
You can manage these permissions through your device settings.
Service Providers
For the goals of optimizing security and managing your data effectively, we've established relationships with specific third-party SDK vendors. Notably, our partnership with AppsFlyer provides valuable insights into customer behavior, allowing us to keep pace with industry shifts and deeply understand client interactions. Additionally, our services utilize AdID, a unique device identifier mainly for personalized advertising. However, users can typically reset these identifiers or decline personalized ads via their device settings, granting them some control and privacy regarding ad tracking. It's crucial to note that when we share data with these third parties, it's done anonymously throughout the App's operational lifespan. The shared data encompasses areas like approximate location, App usage, performance metrics, and device details, always ensuring encryption during transfer.
Sharing Your Data
We may share your data in the following scenarios only:
- We may share your data with your consent.
- We may share your data with certain service providers, partners, or group companies that facilitate and support us in providing the service.
- We may share your data with certain service providers or group companies to analyze the service so we can improve and provide the best service to you and others.
- We may share your data if we are required to respond to law enforcement, officials, regulatory agencies and other lawful requests or legal processes, or to comply with a legal obligation to which we are subject.
- We may share your data if we undergo a merger, acquisition, or other form of reorganization and pursuant to such, a third-party will become the controller of your data.
Security of Your Data
We take your privacy with the utmost seriousness and employ rigorous measures to safeguard your data against accidental loss, unauthorized access, alteration, or disclosure. We have meticulously integrated appropriate security protocols to avert such occurrences. Among these measures, we have incorporated SSL encryption to shield your information. Additionally, we harness the robust security infrastructure of AWS cloud services to enhance data protection. Our security arsenal extends to restricting access to your data. Only authorized staff members and collaborators are granted access, strictly for the purpose of processing in accordance with our instructions. These individuals are bound by a duty of confidentiality. However, it's important to acknowledge that while we have taken every precaution to secure your data, the internet remains inherently susceptible to risks. The transmission of data through online channels is not entirely impervious to breaches. Although we make every effort to fortify the security of your information, any data transmission through our service carries inherent risks and is undertaken at your own discretion. Nevertheless, the above-mentioned combined measures underscore our commitment to ensuring the integrity and confidentiality of your information.
How Long We Keep Your Data
We will only retain your data for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements. To determine the appropriate retention period for data, we consider the amount, nature, and sensitivity of the data, the potential risk of harm from unauthorized use or disclosure of your personal data, other than above, there is a 90-day retention period if you do not have a constant use for your account.
Account Deletion Process
If you wish to delete your account, you can easily do so by using the "Delete Account" option available within the App settings. Simply navigate to the settings, select "Delete Account," and follow the prompts to complete the process.
If you encounter any issues or prefer assistance, please contact our customer support team at mjfiancedevelop.group@gmail.com, and our dedicated team will be happy to assist you with the deletion of your account.
Children’s Privacy
We do not knowingly collect or solicit personal data from children under 13. If you are under 13, please do not attempt to register for the App or send any personal information about yourself to us. If we learn that we have collected personal information from a child under 13, we will delete that information as quickly as possible. If you believe that a child under 13 may have provided us personal information, please contact us.
Changes in This Policy
This Policy is subject to updates in order to accurately mirror alterations in our information handling procedures. In the event of significant changes, it's important to note that formal notifications may not be issued to you. Instead, we recommend that you take the initiative to periodically revisit this page to stay informed about the most current insights into our privacy practices. Your proactive engagement in reviewing this page ensures that you stay well-informed about any adjustments and revisions to our approach towards data privacy. This commitment to transparency and staying informed reflects our dedication to upholding the highest standards of privacy protection for our users.
Questions & Comments
If you have any questions, concerns or complaints about this Privacy Policy, or our use of your personal information, please email us at mjfiancedevelop.group@gmail.com.
MJ SHAH CAPITAL PRIVATE LIMITED
Address: 8th Floor, Sudharmaa N S Road No. 05, Jvpd Scheme, Vile Parle (West) Mumbai City Maharashtra 400056