Privacy Policy

Last Updated: February 9, 2025

At Bachatt, we value your privacy and are committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data.

1. Introduction

The entities comprising Trusave Fintech Private Limited, its subsidiaries and affiliated companies (collectively referred to herein as "the Company," "Bachatt," "We," "Us," or "Our"), place paramount importance on safeguarding the privacy and security of your personal information ("Personal Data"). We prioritize the establishment and maintenance of your trust.

This Privacy Policy ("Privacy Policy" or "Policy") outlines the methods and principles governing our collection, use, processing, and disclosure of your Personal Data in connection with your use of our products, services, our website located at bachatt.app ("Platform"), and our mobile application ("App"). Please note that this Policy does not apply to our partners, each of whom may maintain their own privacy policy.

By using our products, services, Platform, and App, you hereby acknowledge that you have read, understood, and agree to the processing of your Personal Data in accordance with the terms of this Privacy Policy and our Terms of Use.

2. Collection of Information

Pursuant to this Policy, Bachatt collects and processes the undermentioned types of information.

User Provided Information

For utilization of the Bachatt application, it is a prerequisite for you to share specific data during the registration phase and for your activities on the application.
For registration purposes, we may collect personal details such as your name, mobile number, email ID, date of birth, gender, address, and other identifying information.
For providing certain services, we may require supplementary information, including but not limited to your residential address, financial details, credit score, credit/debit card specifics, and any other officially valid documents (OVDs).
Not sharing the requisite data may lead to certain features being restricted, unavailable, or unusable.
Where you opt to provide any device permissions such as contact list, photos, camera, location, microphone, SMS, storage, phone calls and NFC, Bachatt may retrieve, retain and use the data sourced through such device permissions.
You retain the right to revoke the aforementioned access by amending access permissions within your device's settings.

Information Generated Through Use of the Bachatt Application

Through your utilization of our application or website, we gather information such as:
Details pertaining to the services you avail via the Bachatt application, your interactions with the application, rewards claimed, and transactional details relating to your usage of our services or the services offered through our partners.
When you access our application or websites, we may log specific information including but not limited to your IP address, browser type, mobile operating system, the manufacturer and model of your mobile device, geolocation, preferred language, access time, and duration of use.

Information We Collect From Third Parties

Upon receiving your explicit consent, we may request certain third parties to provide information about you to furnish specific services and authenticate your information:
To verify your eligibility to use the Bachatt application, you may be asked to provide explicit consent for procuring your credit information from our bureau partners.
To access services like daily savings, mutual fund investments, digital gold, fixed deposits, loans, credit cards, and insurance, it may be necessary to undertake the Know Your Customer (KYC) process.
To effectuate a financial transaction, we may disseminate financial information provided by you to authorized third parties.
We may receive information about you that assists us in identifying fraud and safety issues.

3. Utilization of Information

The collected information may be utilized, stored, and processed by us to (1) deliver, personalize, measure, and enhance our products and services and (2) establish and sustain a secure and trusted environment on Bachatt, including compliance with our legal obligations and adherence to our policies.

Deliver, Personalize, Measure, and Enhance Services

We may employ your personal data for the execution of the contract of services via the Bachatt application, in legitimate business interests, and for regulatory compliance purposes.
Your Personal Data will be instrumental in creating and updating your account, delivering services, processing your transactions, and for essential internal functions.
We may use your Personal Data to carry out data analytics to improve the user experience.
With your explicit and prior consent, we may use the information generated by your usage of our application for promotional purposes.

Establish and Maintain a Secure and Trusted Environment

We may use your Personal Data to ensure compliance of your access and use of payment services with our legal obligations.
We may employ this information to detect and prevent fraud, spam, abuse, security incidents, and other harmful activity.
The information we collect may be used to assist you when you contact our customer support services.

Disclosure and Sharing of Data with Third Parties

Several Bachatt products are offered in association with other commercial partners of Bachatt. When you avail such products or services, data shall be shared with the respective third parties.
In compliance with the law, we may need to disclose your Personal Data to the relevant regulatory authorities.
Subject to your explicit consent, we may disclose certain information to Bachatt's group entities and partners.
Some of our reward promotions/campaigns/programs/related events may be co-branded or sponsored by third parties and us.
We may display targeted or non-targeted third-party online advertisements on the Bachatt app.

4. Cookies

Cookies are small blocks of data created by a web server while a user is browsing a website and placed on the user's device.

We utilize cookies to accumulate small fragments of information on designated portions of the application to facilitate analysis of application Services, user engagement, and measurement of promotional effectiveness.

Cookies are used to reduce the frequency of password entry during a session. You have the discretion to decline our cookies if your device allows, although this may limit your ability to utilize certain features on the application.

5. Security

We adopt reasonable safeguards to protect your personal data from unauthorized access, use and disclosure.

We are committed to preserving the integrity of your Personal Data and maintaining its accuracy. We adopt reasonable physical, administrative, and technical safeguards to protect your Personal Data.

We integrate security measures at multiple levels within our products and employ state-of-the-art technology to ensure robust security measures in our systems.

When using the application, you may encounter links to third-party websites/apps not affiliated with Bachatt. Please note that Bachatt holds no responsibility for their privacy practices.

If you are a security enthusiast or researcher and detect a potential security vulnerability within Bachatt's products, we urge you to responsibly report the issue to us at hello@bachatt.app.

6. Account Termination

We provide an option to all our users to delete or terminate their account, as well as reactivating it when required.

We extend an option to all our Users to petition for the deletion of their account via the support section of the Bachatt application. Upon receiving such a request, all information corresponding to the specific account will be eradicated.

There might be scenarios where we may not be able to execute account deletion, such as if there exists an outstanding dispute, credit products availed through the Bachatt application, transactions suspected to be fraudulent, unresolved claims attached to your account, etc.

In addition to this, you have the opportunity to request an account deactivation/archival. This will provisionally inhibit your access to Bachatt application until you forward a re-activation request to hello@bachatt.app and successfully reactivate your account.

7. Access and Queries

We support and encourage all users to contact us for questions, concerns, or suggestions relating to our privacy policy.

Under certain circumstances, you might be able to view or modify your personal data online. If your information is not accessible online, and you desire to procure a copy of specific information you provided to us, we encourage you to reach out to us.

Before we can supply you with any information or rectify any inaccuracies, we may ask you to validate your identity and provide additional details to confirm your identity. We commit to reaching out to you within 30 days of your request.

For questions, concerns, or suggestions relating to our Privacy Policy, we can be contacted via hello@bachatt.app.

8. Data Retention

Retention of personal data is only for the duration necessary for us to fulfil the purposes mentioned in the privacy policy.

Personal Data will be retained only for the duration necessary to fulfill the purposes elucidated in this Privacy Policy, unless a longer retention period is necessitated by law or for directly related legitimate business purposes.

9. Children's Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us to have it removed.

10. Modifications to Privacy Policy

Bachatt reserves the right to alter, modify and amend this policy at any point of time, taking effect immediately after updating.

Bachatt reserves the right to modify this policy at its discretion from time to time. Any amendments shall take effect immediately upon posting the revised Privacy Policy. We advise you to periodically review this page for the most recent information on our privacy practices.

11. Compliance

We ensure adherence to industry-standard best practices and applicable controls in line with the required certifications.

Our company is committed to maintaining and implementing requisite Privacy and Information Security policies and procedures.

We ensure that all payment data is securely stored within the territorial limits of India in compliance with regulatory requirements.

12. Grievance Redressal Officer

In the event of any grievance pertaining to our privacy policy or practices involving the usage of data, the Grievance Redressal Officer may be contacted.

For any concerns regarding your experience with Bachatt, reach out to us via our support channels. If your issue remains unresolved, you can escalate it to our grievance officer by emailing hello@bachatt.app.

13. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at: Email: hello@bachatt.app

Disclaimer:

This policy is a general guideline and may be subject to change based on specific product or service offerings, regulatory requirements, or Bachatt's internal policies. Users are encouraged to review the specific terms and conditions associated with each service or product before use.