The Mobile Wallet Private Limited (hereinafter referred to as “tmw”) is committed to protecting the personally identifiable information of users of its products and services. To provide the Services, tmw must collect and maintain certain Personal Information.
What Personal Information does tmw collect when you use the Services?
When you open a tmw Account, tmw collects and stores Personal Information that may include the name, e-mail address, Mobile number, date of birth; Unique Identification Number as per OVD, a password that you create and a personal identification number that you create (PIN) etc.
tmw, Card Issuers, payment processors, and financial institutions receive Personal Information when you make or accept a payment (“Payment”), which may also include the following: amount; date; transaction description, including the names of the buyer and the seller and transaction location; last four digits of card used; and authorization code issued by the card Payment Processor.
What Personal Information does tmw disclose and to whom?
tmw will not share any personal or sensitive data with any external organization unless the same is necessary to enable tmw to provide services (to customers or business associates) or to enable completion of a legitimate transaction or for reporting which may be necessary or required pursuant to applicable law or pursuant to the terms and conditions applicable to such information as agreed to with tmw. tmw may disclose information about customers and / or business associates as permitted or required by law.
tmw does not share your Personal Information with third parties for marketing purposes without seeking your prior permission. tmw will seek your consent prior to using or sharing Personal Information for any purpose beyond the requirement for which it was originally collected. tmw may share your Personal Information to other third parties in the following scenarios:
- within tmw or with any of its subsidiaries, business partners, service vendors, authorized third-party agents, or contractors located in any part of the world for the purposes of data processing, storage, loyalty redemptions, reward point led programs or to provide a requested service or transaction, after ensuring that such entities are contractually bound by data privacy obligations.
- Assisting an agency in undertaking information for us;
- If any other organization is engaged by us to perform tasks on our behalf;
- For purpose of compliance with an audit on our business;
- In case of a merger or association with another company;
- In good faith if it is necessary for any legal proceedings under the applicable law, or when required by a government regulatory or other authority, agency or officer to protect the safety or security of users of the Site or in order to comply with other legal obligations.
- To obtain advice from third parties such as auditors or legal advisors.
Fraud and Credit Agencies:-
tmw cannot guarantee or warrant that Vendors, Card Issuer, Payment Processors, Financial Institutions, or tmw Contractors will not use some or all of your Personal Information for purposes other than implementing a Mobile Payment or performing another task in connection with the Services. In particular, tmw does not and cannot control what Vendors, Card Issuers, Payment Processors, Financial Institutions, and tmw Contractors do with your Personal Information, such as using it for direct marketing purposes. tmw cannot guarantee or warrant that a breach of security that results in disclosure of some or all of your Personal Information will not occur at tmw, a Vendor, a Card Issuer, a Payment Processor, a Financial Institution, or a tmw Contractor. tmw cannot guaranty that your Personal Information is impervious to all breaches of security through interception, hacking, or other means.
To the extent required by applicable law, such as by order or authority of a governmental regulatory authority, or in connection with a subpoena issued in a legal proceeding, tmw will disclose your Personal Information in order to comply with the law and cannot be held liable in any way by the user/customer for such disclosure. tmw may maintain records of your Personal Information associated with your use of the Services, even after your tmw Account is closed, for as long as several years to comply with laws and regulations, including anti-money laundering laws. Card Issuers and Financial Institutions also may require record retention for extended periods. tmw may confirm some of your Personal Information with third parties, or use it to comply with governmental regulatory requirements to prevent fraud and money laundering. Further, tmw shall not take any responsibility and will not be held responsible for any misuse of information / details due to negligence on the part of the customer of sharing their personnel information with the outsiders or any third party.
Does tmw use "cookies"?
Third Party Sites:-
tmw shall take all precautions to maintain the confidentiality of personal and sensitive information / data pertaining to its customers/users and business associates by imparting proper training to its employees and by providing restricted access to persons who may require access to such data strictly on a need to know basis. tmw maintains reasonable physical, electronic, and procedural safeguards to protect the security of your Personal Information. These safeguards include encrypted storage of some of your Personal Information and limiting third-party decryption of Personal Information to that which is reasonably desirable or appropriate to provide the Services. tmw uses firewalls and other security technology to protect its network and systems from external attack, and by requiring you to enter a unique username, password and PIN to access or update your Personal Information. All users must enter their PIN when confirming changes to their Personal Information or executing transactions.