Wizely is a proprietary mobile application developed, operated and managed by Wizely, whereby Wizely brings the “Neo Banking Experience” for India’s 150M+ young and emerging consumers. Neo Banking means a platform which delivers an intelligent banking experience in partnership with an ecosystem of traditional banking partner and non-traditional financial service providers on one platform, that is simple, engaging and contextual to the customer's financial life.
The Wizely application when downloaded on your smartphones provides a user with a neo-banking platform (“Platform”). The Platform enables registered users in availing banking products and services from different banking and other financial services providers who partner with us (“Platform Services”). The Platform Services facilitates opening savings bank accounts, conducting banking transactions through the Platform, availing loan and overdraft facilities through our partners (“Partners”).
Your privacy is important to us and appreciate your trust in us. In this Policy, references to “you”, “your” or “user” shall mean the end user who accesses Wizely and avails its Services. References to “we”, “us” and “our” shall mean Wizely.
PLEASE READ THIS ENTIRE POLICY CAREFULLY. BY REGISTERING OR ACCESSING OR USING OUR PLATFORM IN ANY WAY, YOU AGREE THAT YOUR INFORMATION MAY BE COLLECTED, USED, STORED, SHARED, TRANSFERRED AND DISCLOSED AS DESCRIBED IN THIS POLICY. IF YOU DO NOT AGREE TO ALL THE TERMS OF THIS POLICY, WE RECOMMEND THAT YOU DO NOT USE THE PLATFORM.
INFORMATION THAT WE COLLECT:
Wizely uses the Personal Information and other data that is collected for the following general purposes:
Your personal information such as your name, date of birth, postal address, e-mail address, mobile number etc which are required to be provided by you at the time of registering on the Platform;
Fingerprint and PIN: You will be required to sign in to the Wizely App using a PIN, which you will provide for while signing-up. Additionally, you have an option to sign-in to the Wizely App with your fingerprint. This is an additional security feature within Wizely App, which you may opt for.
Any other information which would help determine your eligibility to avail the services offered by us;
Your profile information such as your user name and password and details about your activity on the Wizely App
Information which is required by our Partners to provide Services to you;
Any other information that we are required to collect as per specific mandate from any partner bank (“Partner Bank”) or other Financial Services Company as per applicable laws such as any information required to comply with the RBI mandated KYC norms (“KYC Information”);
In addition to above, for mobile app: any other information that we is required to collect in order to provide smooth mobile experience, including but not limited to SMS access for auto- OTP verification, camera/gallery/contacts access, for various functionalities within the app.
Information we collect through your use of the Platform
Transaction Information: We may access banking and financial transaction details related to your use within the ecosystem of the Platform which includes bank account details, one-time passwords, PIN transaction passwords, the date and time of such transactions etc. to (i) provide you with customized content on the Platform; (ii) monitor the Platform usage; and (iii) improve the content and services provided on and through the Platform. We do not store any banking transaction details on the Platform.
Activity Information:We collect information about all your activities on the Platform to enable us to Service you better.
Device Information:When you visit or leave the Platform (including our plugins or cookies or similar technology on the sites of others), Wizely receives the URL of both the site you came from and the one you go to next. Wizely also gets information about your IP address, proxy server, operating system, web browser and add-ons, device identifier and features, and/or ISP or your mobile carrier. Wizely will ask you to opt-in before we use GPS or other tools to identify your precise location.
Internet:Wizely will access the internet or wifi network or any changes in the internet or wifi network of your mobile device for running the Platform. The Platform can only be accessed on your web browser if there is an internet connection.
Log Information:When you interact with the Platform, Wizely collects server logs, which may include information like device IP address, access dates and times, and other system activity, type of browser, and the third-party site or service you were using before interacting with the Platform to understand your usage of the Platform.
Wizely uses the Personal Information and other data that is collected for the following general purposes:
To deliver the Services made available through the Platform;
To curate specific Services for you;
To respond to the request that you sent us such as your request for information, or your request to subscribe to a Service provided on the Platform;
To administer, protect and improve the Platform;
To better understand the preferences of users of the Platform;
To identify server problems;
To compile aggregated statistics about usage of the Platform;
To help personalize your experience of the Platform;
To improve services offered to you;
To help Wizely in its internal business functioning;
To the extent permitted by applicable law, Wizely may combine various types of data that is collected; and
Any other use Wizely may describe at the point when it collects data.
STORAGE AND RETENTION OF YOUR INFORMATION
We retain your data for the duration of your use of the Platform. We archive your data and store it to comply with any data requests by Government authorities. We also retain the data for this period in order to enable the users to re-start their account on the Application. We retain your data for archiving purposes as well.
All KYC Information is only collected on behalf of our Partners including the Banking Partner as mandated by applicable laws, for facilitating authentication by such Banking Partner. We do not process or store any KYC Information of the User.
SECURITY FOR YOUR INFORMATION
Wizely follows generally accepted standards to store and protect the personal data we collect, both during transmission and once received and stored, including utilization of encryption where appropriate.
We use HTTPS for secure transmission of data from end-user systems to our cloud server.
All passwords are stored in database in encrypted format using AES 128 bit encryption.
DATA SECURITY BREACH
Transmissions over the Internet are never 100% secure or error-free. However, Wizely takes reasonable steps to protect your personal information from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Wizely has implemented strict security controls, intrusion detection software and processes to alert us in the case of a potential or actual intrusion of our information systems. Wizely has a data breach notification system in place and an established incident response team that will react immediately and execute a remediation plan in response to any unauthorized access to Wizely’s or the Platform’s information systems or databases. If any data security breach occurs and it may impact your personal information, you will be notified as soon as possible once the breach has been determined.
If personal information you have submitted through the Platform is no longer accurate, current, or complete, you are allowed to update these changes using the Platform, but Wizely reserves the right to use information obtained previously to verify your identity or take other actions that it believes is appropriate.
Cookies are small pieces of identifying information, stored by your browser on your PC and mobile, to enable information about your session on the website/mobile application to be maintained. The cookie may contain actual information (e.g. the date of your last visit), or just a unique reference ID that allows the website to look up information about your use.
Cookies set by one site cannot be read by another. However, one web page may be made up of components (such as news stories, images or advertising), some of which are delivered from third parties. Each of those third-party sites will be able to set and read its own cookies on any page where its content appears. Wizely allows other companies such as web/mobile analytics partners to set or access their cookies or web beacons or similar technologies on the Platform. For example, Wizely may use third party mobile analytics partners to analyze big-data on its behalf. These third-party analytics partners employ cookies, web beacons and other similar technologies to measure and analyze the big-data. To do so, these partners may use information about your use of the Platform which information will be anonymized such that it cannot reasonably be used to identify you. This data can also be used for online marketing purposes by Wizely.
If you block cookies from the Platform, you will not be able to log in, and a range of other functions, such as the tracking of new messages in the discussion forums, will fail. However, you will be able to browse most of the information on the Platform. The Platform uses some third-party services, and you may need to consult their policies separately.
Using your browser to block cookies, and further information
We share your personal information with third parties who perform services on our behalf. We share information with vendors who help us manage our online registration process or payment processors or transactional message processors.
We share information with third parties and or business partners who partner with us on the Platform. Each of the Partners have their own privacy policies. The business partners will include banking and other financial service providers and other partners on-boarded by us onto the Platform.
We will share information with our other corporate entities and affiliates. These entities and affiliates may market themselves to you as a result of such sharing unless you explicitly opt-out.
We may share information if are required to do so by law. We will share information to respond to a court order or subpoena. We may also share information if a government agency or investigatory body so requests. Or, we may also share information when we are investigating potential fraud.
We may share information with any successor to all or part of our business. For example, if part of our business is sold, we may provide our customer list as part of that transaction.
We may share your information for reasons not described in this policy. We will inform you before we do this. The collection, storage and processing of data by the above third-parties either pursuant to us sharing it with them or where you submit the data directly, are subject to their own data protection policies and security practices. We are in no way privy to the data protection practices of these parties and is not responsible for their adherence to data protection norms
We conduct from time to time contests for our users. We may use third party service providers to collect and collate data for such contests. We may share your information with such service providers during contests.
The Platform is intended for use by adults only. Wizely does not intentionally or knowingly collect personally-identifiable information from minors (under the age of 18) and requests that minors (under the age of 18) do not submit any personal information on the Platform.
Wizely reserves the right to change, modify, add or remove portions of this Policy at any time, but will alert you that changes have been made by indicating on the Policy the date it was last updated. When you use the Platform, you are accepting the current version of this Policy as posted on the Platform at that time. It is recommended that users revisit this Policy on occasion to learn of any changes.
Mr. Dennis Kumar
Contact Details: email@example.com
Note: You acknowledge and agree that merely un-installing the Platform from your mobile device will not result in the deletion of your information from the Platform and you will have to send an email to firstname.lastname@example.org if you wish to have all your information deleted from the Platform databases and servers.