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This privacy policy (“Policy”) explains our policy regarding the collection, use, disclosure and transfer of your information by TechMeraki or any of its affiliate(s) (“we” or “us” or “our”), which operates the website https://apnaccountant.com/ ("Site"), “Apnaccountant App” (the “App”) available on Google Play Store, iOS and other similar platforms and other services including but not limited to recording credit/payment, communicating dues/balances via the site and application, any mobile or internet connected device or otherwise (collectively the "Apnaccountant App Service"). This Policy forms part and parcel of the Terms of Use for the Apnaccountant App Services. Capitalized terms which have been used here but are undefined shall have the same meaning as attributed to them in the Terms of Use. Users (as defined hereinafter) are requested to read this Policy in conjunction with the Terms of Use.
The App/Site (i) provides an online digital ledger book / record book wherein the Users, can record their ledger entries with their respective customers and (ii) also allows Users to generate collective reports of the data they have submitted on the Site or App (iii) and send these reports automatically to the respective email addresses they have themselves submitted. (collectively, “Services”). Please note that ‘Services’ would include any other future services we may provide or propose to provide.
As we update, improve and expand the Apnaccountant App Service, this Policy may change, so please refer to it periodically. By accessing the Site, App or otherwise using the Apnaccountant App Services, you consent to the collection, storage, and use of the personal information you provide (including any changes thereto as provided by you) for any of the services that we offer.
We respect the privacy of the users of the Apnaccountant App Services (“Users” or “you”) and are committed to reasonably protect it in all respects. The information about the User as collected by us is: (a) information supplied by Users and (b) information automatically tracked while using a mobile device having Apnaccountant App Services enabled (collectively referred to as “Information”). By using Apnaccountant App Services, you agree to this Policy. If you do not agree with any term in this Policy, please do not use / avail of the Apnaccountant App Services.
To avail certain Services on the Apnaccountant App, Users are required to provide certain personal information for the registration process which may include:
The Information as supplied by the Users enables us to provide the Services and improve the Apnaccountant App Services and provide you the most user-friendly experience. In some cases / provision of certain service(s) or utility(ies), we may require your contact address as well. To improve our Services, we may, from time to time, collect any information (other than what is mentioned above) from Users through App / Site. You may be assured that we do not share this data with any third party except in accordance with the terms of this Policy.
We may access a user's inventory of installed apps and treat this data as personal or sensitive data subject to this Policy, secure transmission, and prominent disclosure requirements of User.
All Information is service dependent, and we may use the Information to provide the Services, maintain, protect, and improve the Apnaccountant App Services, and for developing new services.
We may also use your email address and phone number without further consent for marketing, non-marketing or administrative purposes (such as notifying you of major changes, for customer service purposes, providing information about updates to Apnaccountant App Services, billing, etc.).
Any Information provided by you will not be considered as personal information if it is freely available and/or accessible in the public domain or is not deemed as personal information under the applicable law. Further, any reviews, comments, messages, blogs posted/uploaded/conveyed/communicated by Users on the public sections of the Site or an application store (like the App Store or Play Store) becomes published content and is not considered as personal information which is subject to this Policy.
In case you choose to decline to submit Information on the Apnaccountant App/Site, we may not be able to provide certain services on the App/Site to you. We will make reasonable efforts to notify you of the same at the appropriate time. In any case, we will not be liable and or responsible for the denial of certain services to you due to not receiving necessary Information from you.
When you register with the Apnaccountant App Services, we may (at our discretion) contact you from time to time about updates of your Information.
Credit/Payment Records: We store all your credit/payment records in a cloud-based environment using the services of third party infrastructure service providers.
Customer Information: We store the contact information of your clients/customers. We also keep a log of all the credit/payment related communication to the customers.
Demographic and Related Information: We may reference other sources of demographic and other information to provide you with more targeted communications and promotions. We use Google Analytics, among others, to track the User behaviour on Site.
Log File Information: Our Servers automatically collect limited Information about your device's connection to the internet, including your IP address, when you visit our Site or use the App. We automatically receive and log Information from the App and/or your browser including but not limited to IP address, your device or computer's name, and your operating system, We may also collect log Information from your device, including but not limited to your location, IP address, your device's name, device's serial number or unique identification number (e.g. UDID on your iOS device, Android ID or ADID on your Android Device), your device operating system, browser type and version, CPU speed, and connection speed etc.
Cookies: To improve the responsiveness of the Site for our Users, we may use "cookies", or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the User's individual interests using the identified computer. By continuing to visit the App/Site, you are agreeing to the use of cookies and similar technologies for the purposes we describe in this Policy. If you prefer not to receive cookies or web beacons, then you should stop using Services, or consult your browsing and third-party cookie settings. We use cookies and other technologies for analysing and optimising our websites as well as for marketing purposes. Our partners may also assign their own cookies to your browser, a process that we do not control.
The Site may include links to other websites such as advertisers, blogs, content sponsorships, vendor services, social networks, etc. Such websites are governed by their respective privacy policies, which are beyond our control. Once you leave our servers (you can tell where you are by checking the URL in the location bar on your browser), use of any information you provide is governed by the privacy policy of the operator of the site you are visiting and we make no representation or warranty on how your information is stored or used on third-party servers. That policy may differ from ours. If you can't find the privacy policy of any of these sites via a link from the website's homepage, you should contact the website directly for more information.
The Information (including personal information) collected may be shared with our affiliates, and group companies to the extent required for our internal business and/or administrative purposes and/or general corporate operations and to any third party service providers including marketing partners, and the User hereby consents to the same.
We will take reasonable steps to ensure that these third-party service providers are obligated to protect your personal information and are also subject to appropriate confidentiality/non-disclosure obligations and they comply with the applicable provisions of the data protection laws.
These entities, with whom we share the Information, may market to you because of such sharing unless you explicitly opt-out.
The User explicitly consents that we may have access to your location and device information and we may request you to provide your PAN and GST details to enhance your experience and provide you access to the services being offered by us, our affiliates or other third party service providers (including lenders).
Further, the User also consents to sharing of Information (including sensitive personal information) when it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offenses.
These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing the Terms of Use or for complying with the applicable laws and regulations.
No personal information of an individual User such as name, phone number, address, email address, user id spends data, card details and other info (DOB, gender identity, veteran status) etc. would be shared with any other User and/or third party unless explicitly approved by the concerned individual User himself/herself.
We share the crash logs and diagnostics data to Playstore/appstore to improve the user experience.
We may also present information related to credit records, User spends, User payment info, credit score (with user consent), app interactions, in-app search history, patterns and User data tracked by us only in the form of aggregated statistics on data such as overall app usage by date, time, balances, etc. within our App/Site or to our partners.
By using the Apnaccountant App Services and providing information to us, Users agree and consent to the disclosure, transfer, storage, and processing of the personal information (including the sensitive personal information) by us in India and / or in other countries to its affiliates, group companies and third parties. While our primary motive is to protect the disclosure of personal information (except in accordance with the provisions of this Policy) of Users, Users may note that countries where their Information may be stored, may not have data protection laws like the countries where they are located.
When Users use the Site (or any of its sub sites) / App, we make good faith efforts to provide Users, as and when requested by Users, with access to their Information and shall further ensure that any personal information or sensitive personal data or other Information found to be inaccurate or deficient shall be corrected or amended as feasible, subject to any requirement for such personal Information or sensitive personal data or Information to be retained by law or for legitimate business purposes. We ask individual Users to identify themselves and the Information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning Information residing on backup tapes), or for which access is not otherwise required. In any case, where we provide Information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your Information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.
From time to time, we take backup of your data on Apnaccountant App on our cloud database. This is done for the purpose of enabling Users to get their data back in case their phone's data becomes unusable, or phone gets lost, or the User moves to a new phone device. We also use this backup to provide useful insights and information related to their revenue and expense such as weekly/monthly reports, insights related to expense behaviour and revenue streams, etc., and to provide information in the form of patterns and charts and User data in the form of aggregated and anonymized statistics on data such as User revenue/expense by category, date, time, clients, etc.
We shall keep User’s Information in our records till the period where we can potentially offer the Apnaccountant App Services to the Users. After such period where Apnaccountant App Services are no longer relevant to a User, we remove all the Information pertaining to a particular User from our records.
We take appropriate security measures to protect against unauthorized access to or alteration, disclosure or destruction of data including accidental or intentional manipulation, loss from access by unauthorised parties. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where we store personal data. All Information gathered on the Apnaccountant App is securely stored within the controlled database. Access to the servers is password-protected and is strictly limited.
Our security measures are regularly reviewed and updated to reflect technological developments. Regardless of where your personal information is transferred or stored, we take all steps reasonably necessary to ensure that personal information is kept secure, however, please understand that no transmission of data over the internet or any other public network can be guaranteed to be 100% (one hundred percent) secure.
We seek to ensure compliance with the requirements of the applicable data protection laws to ensure the protection and preservation of the User’s privacy and personal Information. We have physical, electronic, and procedural safeguards that comply with the laws prevalent in specific jurisdiction to protect User’s Personal Information. By accepting the terms of this Policy, you agree that the standards and practices being implemented by us, are reasonable and sufficient for the protection of your personal information.
We will contact you regarding any breach of the security, confidentiality, or integrity of your unencrypted electronically stored Personal Information to you via email or any other feasible manner in the most expedient time possible and without unreasonable delay, insofar as consistent with the legitimate needs of law enforcement and will undertake all measures necessary to determine the scope of the breach and restore the reasonable integrity of the data system.
We will only collect and process Personal Information about you where we have lawful basis to do so. Our primary purpose in collecting your information, including Personal Information from you is to deliver the personalized Apnaccountant and its various features. Please note that should you choose to not provide us consent to collect your information, including Personal Information, we may not be able to perform the contract with you. Where we refer to 'perform the contract' we mean the Terms of Use applicable to your use of the Apnaccountant Service, which means that you may either not be able to access certain features of the Apnaccountant Service, or we may not be able to provide you the Apnaccountant Service in entirety.
For example, we use your information where we need the Personal Information to perform the contract with you (for example, to provide the Platform or our services to you) so as to:
We will use your Personal Information with your explicit consent as follows:
When you access or use the Services or send any data, query, request or communication to us via our Support email, you understand that you are communicating with us electronically, and that we may respond via electronic means from us, such as by email.
The App has a link to a registered third-party SDK which collects data on our behalf and data is stored to a secured server to perform a credit risk assessment. We ensure that our third-party service provider takes extensive security measures in order to protect your personal information against loss, misuse or alteration of the data. Our third-party service provider employs separation of environments and segregation of duties and has strict role-based access control on a documented, authorized, need- to-use basis. The stored data is protected and stored by application-level encryption. They enforce key management services to limit access to data. Furthermore, our registered third-party service provider provides hosting security – they use industry- leading anti-virus, anti-malware, intrusion prevention systems, intrusion detection systems, file integrity monitoring, and application control solutions.
A User can revoke his consent to the processing of his personal information at any time with effect for the future. Please note that withdrawing consent does not affect our right to continue to collect, use and disclose personal information where such collection, use and disclosure without consent is permitted or required under applicable laws.
All the Apnaccountant App Services are currently provided and regulated by TechMeraki and therefore TechMeraki is responsible for the collection, storage and processing of personal information of the Users.
We may alter our Policy from time to time to incorporate necessary changes in technology, applicable law or any other variant. In any case, we reserve the right to change (at any point of time) the terms of this Policy or the Terms of Use. Any changes we make will be effective immediately on notice, which we may give by posting the new policy on the Site. Your use of the Apnaccountant App Services after such notice will be deemed acceptance of such changes. We may also make reasonable efforts to inform you via electronic mail. In any case, you are advised to review this Policy periodically on the Site to ensure that you are aware of the latest version.
In the event you have any grievance relating to the processing of Information provided by you, you may contact our Grievance Officer at info@apnaccountant.com or write to us at the following address:
TechMerakiIn case any personal information is shared by you with us, which is not requested by us during registration, (whether mandatory or optional), we will not be liable for any information security breach or disclosure in relation to such information. If you have any questions regarding this Policy or the protection of your personal information, please contact our data protection officer/grievance officer.