Privacy Policy

This Privacy Policy sets forth the reasonable security practices and procedures adopted by O2O Wealth Creators Private Limited ("O2O") and shall apply to the use and disclosure and sharing of sensitive personal data or information ("Personal Information") provided by the registered users of this website and Mobile App including but not limited to "Incremint" (hereinafter referred as Mobile App), which is owned and operated by O2O This policy is equally applicable on the visitors to the Website and Mobile App.

We value the trust you have placed with us. To provide you with a convenient and safe online/mobile experience, we have implemented measures to protect the confidentiality, integrity, and security of your Personal Information, during storage and transmission through the World Wide Web. This Privacy Policy explains how we protect Personal Information provided by you through the Website/Mobile App and how we store and use that information, to deliver the services on the Website/ Mobile App.

This Privacy Policy is subject to change at any time. It is advised that you review this Privacy Policy periodically. This Privacy Policy is also incorporated into and subject to the Terms of Use of the Website/ Mobile App.

Collection of Personal Information
Most features of the Website/Mobile App would require registration, which may require you to provide your details such as an email address, a password and other information.

In case you avail the services you would be required to provide Personal Information like your Name, PAN, Bank Account Number ["KYC/ KYD information"] at the time of registration /activation of such services/ facility. Such KYC information shall be used/shared/maintained/accessed/stored with/by third party technology service provider/main distributor/AMCs/RTAs/authorised service providers in order to enable/ facilitate/ complete/ process the services and report generation.

From time to time, the Website/Mobile App may also request other Personal Information to provide you with other benefits of the Services. On all such occasions, you will have the opportunity to provide or to decline to provide that Personal Information, unless specified otherwise.

In order to benefit from the full functionality of the services, you would need to provide your Account Credentials to allow the Website/ Mobile App, to provide Account Aggregator Services and Offer/deals/cash back/discounts and related curation services to access your account data from the financial institutions/ service providers where your accounts are maintained, so that you can use/see consolidated view of various Accounts and avail the offer/deals/cash back/discounts on your various linked and non linked Credit Cards. All such Account Credentials and data collected from such Accounts are stored by our Third Party service provider, Yodlee, in their highly secured servers. The section "Your data is secure" describes the various security mechanisms followed.

Use of Personal Information
The Website/ Mobile App uses and discloses your Personal Information only as follows:
1.) To fulfill / complete your requests for products and services offered, or subscribed or availed by you on the Website/Mobile App.
2.) To deliver to you any administrative notices, money alerts, advice, notifications and communications relevant to your use of the Services.
3.) To analyze Website/Mobile App usage and improve the services offered.
4.) For market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity.
5.) To Third Party Service Providers that provide services to O2O and are bound by these same privacy restrictions.
6.) To improve features, tailor the Website/Mobile App to your interests, and to get in touch with you whenever necessary.
7.) To enable payments to you in the form of commissions, marketing support services, and/ or business support services, among others.

For any of these purposes, we may use group companies / affiliates, third party vendors, agents, contractors, consultants or service providers (individually a ‘Third Party Service Provider’ and collectively, the "Third Party Service Providers") We may also use them to help us in providing the features of the Website/Mobile App, such as sending email messages on our behalf, collecting fees for such services, and notifying or contacting you regarding any problem with such Services or hosting and operating a particular feature or functionality. Such Third Party Service Providers are bound by privacy restrictions which are similar to the restrictions mentioned in this Policy.

Sharing and disclosure of Personal Information
We will not sale, rent, trade or disclose your Personal Information with any affiliated or unaffiliated third parties, except as mentioned above and also to:
1.) Provide you the product and services
2.) Transaction processing and report generation
3.) To enable payments to you in the form of commissions, marketing support services, and/ or business support services, among others.
4.) Conform with any legal requirements or comply with legal process(es)
5.) Enforce the terms and conditions of the products or services
6.) Protect the interests of O2O, its Affiliates, or its members, constituents, or of other persons

O2O may make anonymous or aggregate Personal Information, and disclose or use such data only in a non-personally identifiable manner for purposes of research, advertising, comparison to organizations approved by O2O.

When you choose to delete your account from the Website/Mobile App, your data will be permanently expunged from primary servers and further access to your account will not be possible. The Website/Mobile App will also promptly disconnect any connection it had established to your linked accounts and delete all Account Credentials.

Notwithstanding anything above, portions of your data, consisting aggregate data derived from your Account Information, may remain on our servers indefinitely. Your data may also remain on backup server or media. We keep these backups to ensure our continued ability to provide the Services to you in the event of malfunction or damage to primary production servers.

Promotional Communication from the Website/Mobile App
The Website would provide you with periodic summaries of your Account Information and send email / SMS alerts. The Website/Mobile App also allows you to subscribe to email newsletters, research information, notifications and from time to time may transmit emails / SMS promoting the Website/Mobile App or third-party products or services. You have the ability to opt-out of receiving our promotional emails / SMS, notification and to terminate your newsletter subscriptions or notification facility as the case may be by following the instructions on the Website/Mobile App. Opting out in this manner will not end transmission of service-related emails / SMS - such transactional alerts.

From time to time, the Website/Mobile App may offer you the opportunity to participate in surveys, contests, giveaways and other promotions. Any information submitted in connection with such activities will be treated in accordance with this Privacy Policy, except as specifically set forth in the rules for those surveys, contests, giveaways or promotions.

Third Party Services and Websites
You should be aware that O2O shall permit third parties to offer subscription and/or registration- based services through the Website/Mobile App. O2O is not responsible for any actions or policies of such third parties, and you should check the applicable privacy policy of such third party when providing personally identifiable information. Further, O2O will not be responsible if you do not get the benefits announced, if any, by the third parties permitted to offer subscription and registration based services or offer/deals/cash back/discounts offered by third party or as available on its Website.

Blogs and other Forums on the Website
If you use a bulletin board, blog or chat room on the Website/Mobile App, you should be aware that any information you submit there can be read, collected or used by other users/visitors and could be used to send you unsolicited messages. The Website/Mobile App and O2O are not responsible for any personal information you choose to submit in these forums. These forums shall be hosted by the Website/Mobile App or by our third Party Service Providers on O2O’s behalf.

Use of Cookies and online session information
The Website will automatically receive and collect certain anonymous information in standard usage logs through our Web server, including computer-identification information obtained from "cookies" sent to your browser from a web server or other means. "Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. The Website/Mobile App uses cookies for a number of purposes. For instance, to enable us to simplify the logging on process for registered users, to help ensure the security and authenticity of registered users, etc. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the services may be impaired for you.

Data security
When you register for the Services, the Website/Mobile App requires a Login ID and a password from you for your privacy and security. You are responsible for maintaining the confidentiality of your Login ID and password and you may not provide these credentials to any third party. We recommend that you change your password periodically.
Your password must conform to standards and, as a security feature the Website/Mobile App will automatically reject weak passwords. We shall not be responsible if someone else accesses your account through Login ID and password they have obtained from you or through a violation by you of this Privacy Policy or the Website’s/Mobile App Terms of Use.
While accessing your linked accounts online or linked credit cards, the Website/Mobile App use a combination of firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online session, and to protect Website/ Mobile App accounts and systems from unauthorized access. From the time you submit your Login ID and password, these communications between your computer/mobile and the Website/Mobile App are encrypted using at least appropriate technologies & methods. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery. The Website/ Mobile App also encrypts your Website/Mobile App password so that your password cannot be recovered, even by us.
For enhanced security, all Account Credentials of other Financial Institutions provided by you, for your use / consolidated view maybe encrypted and stored with third party service providers.
O2O may access your information from other service providers, financial institutions, and/ or social media sites such as Facebook and Google and uses the same through secure connections for delivering various services. All our servers are located in a secure facility. Access requires multiple levels of authentication.
In respect of KYC information provided by you for enabling, such information may also be available with third party technology service provider/main distributor/AMCs/RTAs/authorised service providers and treated as proprietary and confidential in nature by them and to be used/shared/maintained/processed by them only on need to know basis for service enablement.

Feedback
If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy or security concern, you can contact Mr. Nitesh Aggarwala (Director) at nitesh @incremint.in Last updated: July 29, 2016