Bix42 Privacy Policy

The terms used in the Privacy Policy (“Policy”) have the meaning as defined in the Terms of Use and is to be read together with the Terms of Use. The present policy lays down how the Company collects, uses, discloses, shares and transfers Information of Users. This Policy would apply to anybody who visits Bix42 Platform or opens an account with the Company on the Bix42 Platform, as the case may be.

Simply BPK Softwares Private Limited’s (“Bix42”,”MeraPaper”, “we” or “us”) having its registered address 4 Maa Vaishno Devi Nagar , Jhotwara, Jaipur – 302004 recognizes the need for appropriate protection and management of any information shared with the Company or on Bix42 Platform.

By using or accessing the Bix42 platform in any manner or opening an Account, it is acknowledged that the present Policy is accepted and it further consents that the Company will collect, use, disclose, share and transfer information and personal data including but not limited to sensitive Personal Information. This Policy is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder.

However, in case the User does not intend to share some of the Information as referred herein below for use by the Company as stated, the User is free to opt-out or not use the Bix42 platform and/or the Products and Services by deleting the Account and in such a case, are not required to give consent as per the present Privacy Policy

In the case in future it is felt that the Information or a part thereof as collected should not be used or should be deleted, consent granted in the present Policy can be withdrawn, by writing to the Company seeking to withdraw the consent so granted or deleting the Account, as the case may be. However, in case the consent for the Company to use the Information as provided in the present Policy is withdrawn, the Products and Services cannot be offered to the User by the Company.

Modification of privacy policy

These policies may be updated from time to time in the future. The User should agree to review our privacy policies regularly by visiting this page. Continued access to or use of the service will mean that the User agrees to the change.

When this privacy statement applies

Its liability to the User is limited to those who have downloaded the Bix42 application and logged in by clicking on the “I Agree/Login” button for Terms and Conditions or has explicitly consented to the policy on any other product/service page offered to the User

How is the information collected, used, disclosed, shared and stored

1. The Company collects, uses, discloses, shares and transfers Information, including but not limited to User content, other content, communications, information etc. provided by Users when the Users access or use the Bix42 platform for the Products and Services. By use of the Bix42 platform and/or Products and Services, express consent and permission is granted to the Company for having access to, using, processing, disclosing, sharing and transferring of information in accordance with this Policy and the Terms of Use.

2. For the purpose of these Terms, the term “Personal Information” shall mean any information provided by the User and shall include, without limitation User content, any and all documents, details, information etc. shared with the Company by the User and the One Time Password (OTP) received by the User from the government authorities/good and service tax authority for authenticating/verifying the goods and service tax registration process; in furtherance to the Terms of Use.

For the purpose of these Terms, the term “Non-Personal Information” shall mean information that does not specifically identify an individual but includes information from such as the type of internet browser used, mobile device used, computer or mobile device’s unique device ID, Internet Service Provider (ISP) and Internet Protocol (IP) address. The Company may also collect Non-Personal Information that is provided.

Personal and Non-Personal Information together is referred to as “Information”. The Company may collect Information when registration or opening of an Account happens on the Bix42 platform, when the features or the Products and Services are used, when the User shares the User content with the Company and when the User interacts with the customer care team including the details of the message or chats etc.

3. The Company may use cookies to monitor usage including, without limitation, to provide useful features to simplify experiences for the User on the Bix42 platform, like remembering login ID and certain Personal Information and to deliver relevant content based on preferences, usage patterns and location.

4. There could also arise a requirement of providing credit/debit card when the User is required to payment Government Fees and/or Facilitation Fees as per the Terms of Use. The Company or any third party providing services related to payment may use this information, such as account and authentication information and billing, delivery and contact details. The Company shall in no case be liable for any loss or damage sustained by the User arising out of any disclosure (inadvertent or otherwise) of any information relating to bank account, credit or debit card details in the course of any online transactions or payments made relating to Government Fees and/or Facilitation Fees.

5. The Company collects information about the User’s use of the Bix42 platform and/or Products and Service, such as the features used, any activity carried out, the actions that are taken, the time, frequency and duration of the said activities.

6. The Company is required to collect information from and about the computers, tablets, phones and other web-connected devices used and the Company then combines this information across different devices that are used.

7. We are also offering Business Loans to our users in association with finbii.com. We are approaching users only if a user shows interest by clicking ‘Check Eligibility’ on ‘Business Loan’ Screen. We are only the channel to inform user about the loan. We are not the lender of any kind of loan but only facilitator. The loan service is provided by finbii.com and they are only responsible for Loan grant and user service related to Loans.

Information that the Company obtains from these devices includes:

a. Information including but not limited to the operating system, hardware and software versions, battery level, signal strength, available storage space, browser type, app and file names and types, and plugins, name of mobile operator or ISP, language, time zone, mobile phone number, IP address, connection speed and, in some cases, information about other devices that are nearby or on user network etc.

b. Information including but not limited to access to beacons and mobile phone masts, access to GPS location, network, camera or photos, data from cookies stored on user devices, storage space or disk on the device etc.

c. Location-related information – such as current location to provide, personalized and improved use of the Bix42 platform and/or Products and Services. Location-related information can be based on things such as precise device location, IP addresses etc.

d. Image Usage Policy – Our app utilises image data solely to enhance the user experience and facilitate better identification of items within the application. We want to assure you that any images collected within the app are strictly used for these purposes and are not shared with any third parties. Your privacy and security are of utmost importance to us. We ensure that proper consent is obtained from users prior to the collection of any image data. By using our app, you agree to the collection and usage of images for the stated purposes outlined in this privacy policy

Permissions usage

Allows you to send your invoices and report PDFs to your customers.

Contacts (contacts.readonly) Allow users to use Contacts for adding parties (customers) on the accounting software.

How Bix42 stores and shares google user data

Bix42 does not store any Google user data. Whenever Bix42 fetches this data, it gets shown to the user while using the feature. The user chooses the data he wants to use for import and that gets used to create customers/vendors for him in the software. Bix42 will not store this data for any further use. Bix42 will also not share the user’s Google authentication data with anyone. Also, Bix42 will not store this data anywhere. We are also taking ratings and reviews from our users on Google Play Store for development and growth purposes.

Collection of device location and device information

We collect and monitor the information about the location of your device to provide serviceability of your loan application, to reduce the risk associated with your loan application and to provide pre-approved customised loan offers. This also helps us to verify the address, make a better credit risk decision and expedite know your customer (KYC) process. Information the App collects, and its usage depends on how you manage your privacy controls on your device. When you install the App, we store the information we collect with unique identifiers tied to the device you are using. We collect information from the device when you download and install the App and explicitly seek permissions from You to get the required information from the device. The information we collect from your device includes the hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify the devices and ensure that no unauthorized device acts on your behalf to prevent frauds

Storage

We require storage permission so that your KYC and other relevant documents can be securely downloaded and saved on your phone. You can then easily upload the correct KYC related documents for faster loan application details filling and disbursal process. This ensures that you are provided with a seamless experience while using the application.

Camera

We require the camera information permission to provide you with an easy/smooth experience and to enable you to click photos of your KYC documents along with other requisite documents and upload the same on the App during your loan application journey.

Collection of other non-personal information

We automatically track certain information about you based upon your behaviour on our Platform. We use this information to do internal research on our users’ demographics, interests, and behaviour to better understand, protect and serve our users and improve our services. This information is compiled and analysed on an aggregated basis. We also collect your Internet Protocol (IP) address and the URL used by you to connect your computer to the internet, etc. This information may include the URL that you just came from (whether this URL is on our Website or not), which URL you next go to (whether this URL is on our Website or not), your computer browser information, and your IP address. Cookies are small data files that a Website stores on Your computer. We will use cookies on our Website similar to other lending websites/apps and online marketplace websites/apps. Use of this information helps Us identify You in order to make our Website more user friendly. Most browsers will permit You to decline cookies but if You choose to do this it might affect service on some parts of Our Website. If you choose to make a purchase through the Platform, we collect information about your buying behaviour. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law. if you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we collect such information into a file specific to you.

How we uses user data

The Company may use the Information for:

1. The User may be required to give us information (including sensitive personal information) about the User when creating or using an account on a Bix42 Product, or when corresponding with Bix42 by phone number. The information you give us may include without limitation your name, user’s photo, image, postal address, e-mail address and phone number, details of any identification or address proof, details of any officially valid document, financial information, location details or other information required by Bix42 to provide the Services and protect against any illegal activities. We may also require additional information about a User in compliance of or as required under Applicable Laws

2. Providing access to the Bix42 platform and/or use of the Products and Services.

3. Manage Account with the Company.

4. Authentication by using One Time Password received from the for the Purpose including but not limited to government authorities/good and service tax authority for authenticating/verifying the goods and service tax registration process, Bureau check or any other product/service availed by the user from time to time on Bix42.

5. Conduct general survey or analysis of Accounts or otherwise.

6. Develop, test and improve the Bix42 platform and/or Products and Services, testing and troubleshooting new products and features, removing any glitches including technical problems, improving the experience of navigating and carrying out transactions and improving the services and content, Products and Service on the Bix42 platform.

7. Based on Information, share sponsored content and show ads, including relating to third parties, that the Company thinks will be relevant.

8. Contact List Information: Our application may request access to your device’s contact list. If granted, we may collect and store contact information from your device, including names, phone numbers, email addresses, and other contact details.

8.1 We use the contact list information solely for the purpose of providing functionality within our application. This may include features such as inviting contacts to use our application, facilitating communication between users, or any other feature explicitly stated within the application.

8.2 Data Security: We are committed to protecting the security of your information. We implement appropriate technical and organizational measures to safeguard your personal data against unauthorized access, disclosure, alteration, or destruction.

9. Camera and Image Information: Our application may request access to your device’s camera and storage to capture images, or to access existing media files. If granted, we may collect and store images captured by the camera or selected from your device’s storage.

9.1 We use the camera and image information solely for the purpose of providing functionality within our application. This may include features such as capturing images, processing images, or any other feature explicitly stated within the application.

10. Bluetooth Information: Our application may request access to your device’s Bluetooth functionality. If granted, we may collect and process information related to nearby Bluetooth devices, including device identifiers and connection information

10.1 We use Bluetooth information solely for the purpose of providing functionality within our application. This may include features such as connecting to nearby Bluetooth devices, exchanging data with compatible devices, or any other feature explicitly stated within the application.

10.2 We may analyze aggregated, anonymized data related to Bluetooth usage to improve our services, enhance user experience, and troubleshoot technical issues.

We are committed to protecting the security of your information. We implement appropriate technical and organizational measures to safeguard your personal data against unauthorized access, disclosure, alteration, or destruction.

Protection of information

The Company, on a best effort basis, shall attempt to take adequate measures to protect the security of Personal Information and to ensure that the choices for its intended use are honoured. The Company also takes adequate precautions, on a best effort basis, to protect data from loss, misuse, unauthorized access or disclosure, alteration or destruction.

The Company uses industry standards of physical, technical and administrative security measures to keep Information, on best effort basis, secure although is unequivocally understood and agreed that the same cannot be foolproof since no security system is impassable and the Company does not guarantee that the Information may be absolutely free from invasion.

Please note that e-mails, messaging and means of communication with the Company may not be encrypted, and therefore the Company advises not to communicate any confidential information through these means.

The Company is not responsible for any breach of security or for any actions or inactions of any Users or other third parties including but not limited to government authorities that receive Information.

The User is solely responsible for maintaining the confidentiality of its username and password. To ensure the safety of Personal Information, it is advised that the username and password should not be shared with anyone. The Company would not be liable or responsible for any breach of this covenant for any reason.

The Company would retain Personal Information only as long as the entity or User to whom the said Personal Information belongs has an active Account or as permitted/required by applicable law. Generally, Personal Information, upon deletion of a related Account, is also deleted unless the same is required to comply with any legal requirements, fraud prevention or assistance in any enquiry, for resolving disputes, to protect interests of the Company, to continue to develop and improve the Products and Services

Grievance redressal mechanism

In accordance with the Information Technology Act, 2000 and Rules made thereunder, the contact details for raising grievances or obtaining any further information or enquiry, if any are provided below:

Address: BPK Software Pvt Ltd. ( Bix42) , 4 Maa Vaishno Devi Nagar , Jhotwara, Jaipur – 302004.

E-mail: parth@bix42.com

Contact number:+91 8279216784