PB Financial Account Aggregators Private Limited (“PB Financial/ Company”) including online platform(s), its mobile application/web applications owned by the Company ('Website') recognizes the importance of maintaining your privacy. PB Financial is committed to maintain the confidentiality, integrity and security of all information of our users. This Privacy Policy describes how PB Financial collects and handles certain information it may collect and/or receive from you via the use of this Website. Please see below for details on what type of information we may collect from you, how that information is used in connection with the services offered through our Website and relevant information shared with you and various Financial Information Users (“FIUs”) in relation to your use of Website or access to our account aggregation services and providing you any other services as permissible under applicable laws (collectively, “Services”). This Privacy Policy applies to current and former visitors to our website, our customers, users, third party vendors (if any). By visiting and/or using our Website, you agree to this Privacy Policy. By using the Website, you consent to the collection and disclosure of your personal data in accordance with, and are agreeing to be bound by, this Privacy Policy. We will not collect any information from you, except where it is knowingly and explicitly provided by you.
This Privacy Policy is published in compliance of the Account Aggregator Framework and laws and regulations of India including the Information Technology Act, 2000; and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (the "SPDI Rules") as amended from time to time.
By using the Website and/or registering yourself at PB Financial, you authorize PB Financial (including its authorized representatives and its business partners) (to contact you via email or phone call or sms and offer in relation to the Services, for which reasons your information may be collected in the manner as detailed under this Policy. You hereby agree that you authorize PB Financial to contact you for the above- mentioned purposes even if you have registered yourself under DND or DNC or NCPR service(s). Your authorization, in this regard, shall be valid as long as your account is not deactivated by us on your request. You agree that the personal data you provide us with is true, correct, and accurate. We shall not be liable for any incorrect or false information or personal data that you might provide or may be provided to us by a FIP based on your consent.
Your personal data will be stored, processed and collected by PB Financial. 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, anonymous data. Please note that in accordance with applicable laws, we do not store or use any financial data that you choose to share with third parties or otherwise transmit through our Services (“Financial Data”). You may use our Services to transmit and share Financial Data with third parties; however, we will not have access to such data.
We may collect, use, 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, gender, title, passwords, identity document and proof of addresses, purchases or orders of or through our Services, feedback, survey responses, etc.; (ii) Contact data, including email addresses, phone numbers, delivery addresses, business addresses, etc.; (iii) Data we collect in connection with our KYC processes when you choose to access certain features of our Services, including documents issued by the government such as Aadhaar, driving licenses, PAN cards, voter ID cards, ration cards, etc.; (iv) Data about your device, including but not limited to: Location – location data recorded on your device; and 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, and Wi-Fi and mobile networks. (v) Usage data, including information about how you use our Services; and (vi) Marketing and communications data, including your preferences in receiving marketing from us and our third parties and your communication preferences. (d) We also collect, use, and share aggregated data such as statistical data for any purpose. Aggregated data could be derived from your personal data but is not considered personal data under applicable laws. For example, we may aggregate your usage data to calculate the percentage of users accessing a specific feature of the Services. However, if we combine or connect aggregated data with your personal data, we treat the combined data as personal data, which will be treated in accordance with other terms of this Policy. (e) Where we need to collect personal data by law, or under the terms of the arrangement we have with you, and if you fail to provide that data as and when requested by us, we may not be able to perform our obligations under the arrangement we have with you or are trying to enter into with you (for example, to provide you with features of the Services). In this case, we may have to cancel or limit your access to the Services, but we will notify you if this is the case at the time.
PB Financial collects your information when you register for an account, when you use Account Aggregation services, any other service as advised by the RBI from time to time, visit its Website’s pages. When you register with PB Financial, you are asked for submitting certain information which may be personal to you such as first name, last name, state and city of residence, email address, mobile number, date of birth, financial, know your customer and medical records, Bank Account Information etc. Once you register at the Website and sign in you are not anonymous to us. Also, you are asked for your contact number during registration and may be sent SMSs, notifications about our services to your wireless device. Hence, by registering you authorize PB Financial to send texts and email alerts to you with your login details and any other service requirements, including promotional mails and SMSs.
We use your information in order to:
information as provided by you under your account section on our Website.
We may share your Information submitted on the Website to any third party/FIUs/service provider/business partner:
A cookie is a piece of data stored on the user's computer tied to information about the user. We may use both session ID cookies and persistent cookies. For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. A persistent cookie is a small text file stored on your computer’s hard drive for an extended period of time. Session ID cookies may be used by PRP to track user preferences while the user is visiting the website. They also help to minimize load times and save on server processing. Persistent cookies may be used by PRP to store whether, for example, you want your password remembered or not, and other information. Cookies used on the PRP website do not contain personally identifiable information.
Like most standard websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer to you, to improve marketing, analytics or site functionality.
If you are no longer interested in receiving e-mail announcements and other marketing information from us, please e-mail your request at: support@pbfintechaa.com. Please note that it may take about 10 days to process your request.
You may withdraw your consent for the use or disclosure of Your Information for the purposes set out in this policy. You may, at any time while availing of our Services or otherwise, withdraw the consent given earlier to us to collect and use your personal data or information by writing to us at support@pbfintechaa.com. However, in the case of you withdrawing such consent, PB Financial shall have the option to stop providing you the Services for which the information was sought. You will not be eligible for a refund of any fees paid for any service in such event and you agree that the Website shall not be liable to you for the same in any manner whatsoever.
We employ appropriate technical and organizational security measures at all times to protect the information we collect from you. We use multiple electronic, procedural, and physical security measures to protect against unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security and by accessing the Services, you agree to assume all risks associated with disclosure of personal information arising due to breach of firewalls and secure server software. Further, you are responsible for maintaining the confidentiality and security of your login id and password and may not provide these credentials to any third party.
There might be other sites linked to the Webiste. Personal information that you provide to those sites are not our property. These affiliated sites may have different privacy practices and we encourage you to read their privacy policies of these website when you visit them. The place of processing information depends on each third-party service provider and you should review the privacy policy of each of the service providers to identify the data shared and its purpose. You will be subject to a third party’s privacy policy if you opt in to receive communications from third parties. We will not be responsible for the privacy standards and practices of third parties.
PB Financial reserves the right to change this policy from time to time, at its sole discretion. We may update this privacy policy to reflect changes to our information practices. We encourage you to periodically review
Any grievance with respect to data privacy / information security may be addressed to the below mentioned Grievance Officer – Information Security either through email or in writing and such grievance will be redressed within in one month from the date of receipt of the grievance. That if the complaint / dispute is not redressed within a period of one month, the customer may appeal to the Bank.