Privacy Policy
Your Personal Information
PRIVACY POLICY This Privacy Policy (“Policy”) explains how we, “ACKO Drive”, - operated by Acko Technology and Service Private Limited, collect, store, use, transfer and otherwise process your data (save and except non-personal data / information), for providing you the ACKO Drive Platform and/or the Services (defined in the Terms of Use, available on the ACKO Drive Platform).
ACCEPTANCE OF THE PRIVACY POLICY:
YOU WARRANT AND CONFIRM THAT YOU HAVE READ AND UNDERSTOOD THIS POLICY, AND YOU PROVIDE YOUR UNEQUIVOCAL CONSENT TO ALLOW US AND OUR AFFILIATES TO COLLECT, RETAIN, SHARE, PROCESS AND STORE YOUR PERSONAL AND SENSITIVE PERSONAL INFORMATION AS PER THIS POLICY. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT PROCEED FURTHER TO USE / ACCESS THIS ACKO Drive PLATFORM OR AVAIL ANY SERVICES / PRODUCTS OF THE AFFILIATE.
BY SETTING UP YOUR ACKO Drive ACCOUNT OR VOLUNTARILY PROVIDING US / OUR AFFILIATE OR ALLOWING US / OUR AFFILIATE ACCESS TO YOUR PERSONAL INFORMATION, YOU ARE CONSENTING TO COLLECTION, PROCESSING, STORAGE, USAGE AND SHARING AS PER THIS POLICY.
If you do not provide personal information or withdraw the consent for any of your personal information at any point in time, we and/or our affiliates shall have the option to not provide the benefits for the purpose of which the said personal information was provided / sought including but not limited to refusing to offer our ACKO Drive Platform or Service or any part thereof to you by us or our affiliate as the case may be.
PLEASE FURTHER NOTE THAT WITHDRAWAL OF CONSENT BY YOU OR DELETION OF YOUR ACKO Drive ACCOUNT WILL NOT DIMINISH AND/OR AFFECT OUR / OUR AFFILIATE/S RIGHTS AND/OR OBLIGATIONS UNDER THE APPLICABLE LAWS. ACCORDINGLY, YOU UNDERSTAND AND AGREE THAT WE AND OUR AFFILIATES WILL CONTINUE TO COLLECT, USE, PROCESS, AND STORE YOUR PERSONAL DATA AS PER THE REQUIREMENTS UNDER THE APPLICABLE LAWS.
THIS POLICY ONLY APPLIES TO YOUR DATA INCLUDING ANY PERSONAL AND SENSITIVE PERSONAL DATA/INFORMATION. ANY NON-PERSONAL DATA / INFORMATION PROVIDED BY YOU TO US OR OUR AFFILIATES OR OUR SERVICE PROVIDERS; OR COLLECTED BY US OR OUR AFFILIATES OR OUR SERVICE PROVIDERS, IS OUT OF THE SCOPE OF THIS POLICY.
NON-PERSONAL INFORMATION SHALL BE USED, SHARED, STORED AND/OR PROCESSED BY US AND/OR OUR AFFILIATE AS PER OUR / OUR AFFILIATES’ SOLE DISCRETION, SUBJECT ALWAYS TO APPLICABLE LAWS (IF ANY).FOR SAKE OF CLARITY, NON-PERSONNEL INFORMATION/ DATA IS SUCH INFORMATION OR DATA WHICH DOES NOT DIRECTLY IDENTIFY YOU OR IS AGGREGATED OR DE- PERSONALIZED AND/OR USING WHICH THE SPECIFIC IDENTITY OF AN INDIVIDUAL CANNOT BE ESTABLISHED.
1. PERSONAL INFORMATION PROVIDED BY YOU AND/OR COLLECTED BY US AND/OR OUR AFFILIATE:
We and/or our affiliates will use the personal information including any sensitive personal data / information provided by You only in accordance with the purposes in this Policy or as per the requirements of the applicable laws.
Except as provided herein or as clearly disclosed to You at the time of seeking or collection of personal data, we do not solicit any sensitive personal information about you. However, if you share such sensitive or personal information with us or our affiliates voluntarily, we will not be liable for any actions, claims, costs, expenses or other liabilities that may arise because of any unauthorized use or misuse of such sensitive personal information. Any personal information including your sensitive personal information provided by you on the ACKO Drive Platform or to us or to our affiliate/s, will be deemed as an authorisation given by you to us and our affiliates to use, store, process and share such personal information for the purpose as stated out on the ACKO Drive Platform, the applicable laws, the policy wording and this Policy.
During your use of ACKO Drive Platform or any Service offered by ACKO Drive, you may provide and/or we may collect and process such personal information from you, including but not limited to the below:
i. Personal Information provided by You:
You may provide the personal information to us or affiliates:
a) by filling in application forms or signing-up for an account on the ACKO Drive Platform or completing the Know-Your-Customer (“KYC”) or at the time of the on-boarding process or for availing any service on the ACKO Drive Platform or any product of our affiliate. This may include contact information such as your full name, email address, mailing address, permanent address, employment details, salary details, phone number, KYC documents like Voter ID, PAN, Driving License, and car details like engine / chase number, vehicle details, registration certificate, car insurance details, old car details and registration number, etc.
b) voluntarily, when you call or write directly to us or our affiliate (including by e-mail, feedback and/or surveys).
c) You may be required to provide further information to us or our affiliates for the purposes of claiming / availing their products / services. Such additional information may include (without limitation) your health and lifestyle related data, insurance policies, bank statements, loan statement/s, salary and income statements as prompted on the relevant page. You may also be required to provide this information to u or our affiliates via physical documents, e-mail or other digital and offline methods.
ii. Personal Information Collected from Third Parties:
a) We and/or our affiliates may also be working closely with third parties (including, for example, business partners, partner banks and financial institutions, technical sub-contractors, analytics providers, etc.) and may lawfully receive information about you from such sources. Such personal data may be shared internally and combined with data collected on the ACKO Drive Platform.
b) We and /or our affiliates may also use the content you have shared publicly, including on third party ACKO Drive Platforms or applications including any social media channel, to promote our Services and/or Our ACKO Drive Platform and/or affiliates, or their services / ACKO Drive Platform (including by quoting your content, reviews and/ or recommendations, or displaying screenshots of your content, reviews and/ or recommendations).
iii. Personal Information Collected by Us and/or our affiliates:
a) We and our affiliates collect user account data which includes both personal and non-personal data, including but not limited to the email address, IP address, name to log in to the ACKO Drive Platform. This information is required as part of the registration and on-boarding process to (i) create Your ACKO Drive Account; (ii) provide our Service and ACKO Drive Platform; (iii) enable our affiliates to provide you with products and/or services; (iv) perform verification and KYC checks on you; (and it is also used to auto populate relevant fields when you apply for any product or service of our affiliate.
b) We and our affiliate may also collect mobile numbers for verification to check the active SIM status on your device, uniquely identify you and prevent fraud and unauthorized access. When you grant us access to the address book on your mobile device, then we and our affiliates access the names and contact information from your address book to facilitate invitations and to assess your phone usage and habits.
c) As part of your journey on the ACKO Drive Platform, we access your phonebook contacts which includes their contact names, phone numbers, account types, favorites (starred) and contact labels to enrich your profile.
d) We and/or our affiliates shall collect transaction information related to the use of our Services, the ACKO Drive Platform and/or the products and services of our affiliate, including the type of Services requested, date and time the Service was provided and payment method.
e) Additionally, if someone uses your promotion code, we or our affiliate may associate your name with that person and their usage of the ACKO Drive Platform/ Services.
f) If you call our call centers, we or our affiliates may record information provided by you to service you as per the Terms of Use and this Policy, including for quality and training purposes.
g) When you grant us access to the SMSs on your mobile device, then we and our affiliate/s may collect SMS data stored on your mobile or other device. We and our affiliate use this data to analyse your financial profile and enable provisioning of best offers by us and/or affiliates with respect to the ACKO Drive Platform, Services and/or products offered by us or our affiliates.
h) We may collect non-personal data as specified in the section below.
2. NON- PERSONAL INFORMATION / DATA
i. “Non-Personal Information” means and includes any information that does not reveal Your specific identity, such as, browser information, information collected through Cookies (as defined below), pixel tags and other technologies, demographic information etc. Our ACKO Drive Platform gathers some information automatically when You visit the ACKO Drive Platform or avail any Service and stores it in your log files.
ii. We and our affiliates may collect certain non-personal information about Your computer or other electronic device through which you have accessed ACKO Drive Platform or our Services or the products / services of our affiliate to facilitate, evaluate and verify your use of ACKO Drive Platform or Your ACKO Drive Account or your interactions / communications with our affiliate.
iii. We and/or our affiliates collect non-personal data about the devices used to access our / their Services, including the hardware models, device IP address, operating systems and versions, software, preferred languages, unique device identifiers, advertising identifiers, serial numbers, device motion data, and mobile network data.
iv. We collect non-personal data about how you interact with our Services, ACKO Drive Platform and/or with our affiliate. This includes data such as access dates and times, features or pages viewed, ACKO Drive Platform crashes and other system activity, type of browser, and third-party sites or services used before or in the course of interacting with our Services and/or the services/products of our affiliate/s.
v. “Cookies” are small files that reside on Your computer's/ electronic devices hard drive and generally contain an anonymous unique identifier and are accessible only by ACKO Drive Platform that placed them there and not any other sites. You may refuse to accept Cookies by activating the setting on Your browser which allows You to refuse the setting of Cookies. However, if You do not provide such information, you may be unable to access certain parts of ACKO Drive Platform. Unless You have adjusted Your browser setting so that it will refuse Cookies, our system may issue Cookies when You log on to ACKO Drive Platform. The use of Cookies by Our partners, advertisers or service providers is not covered by this Policy.
vi. We collect the location data from you in two ways: (a) when you add the pin code as part of your account creation process; and (b) from your mobile device when enabled by you to do so.
vii. We collect the data about your installed applications, including the applications that you have installed on and from the date you create your account on the ACKO Drive Platform and the manner in which you use them.
viii. IT IS REITERATED THAT THIS POLICY DOES NOT APPLY TO NON-PERSONAL DATA / INFORMATION INCLUDING PROCESSING OF ANY DATA IN ANONYMISED, AGGREGATED OR DE-IDENTIFIED FORM AVAILABLE WITH US OR COLLECTED BY US OR PROVIDED TO US / OUR AFFILIATES. THE USE OF SUCH NON-PERSONAL DATA / INFORMATION (INCLUDING RETENTION, SHARING AND PROTECTION) SHALL BE AT OUR / OUR AFFILIATE’S SOLE DISCRETION AND REQUIREMENTS.
3. How We / Our affiliates Use Your Personal Information
We and/or our affiliate/s may use, process and share your personal information including any sensitive personal information / data for:
i. Enabling the ACKO Drive Platform and the Services offered by us and/or our affiliate, including:
a) provide and improve the ACKO Drive Platform and/or the Services, including offering new products, features, updates and/or functionality.
b) to enable provisioning of products / services by our affiliates including but not limited to personalizing user experience and sending you information and updates about new products, your policy/ies, your premium due dates, etc. This could include displaying appropriate content based upon our / affiliates’ judgment and discretion.
c) verify your identity and perform related checks.
d) auto-fill applications and requests on your behalf.
e) facilitate and communicate with Sellers on your behalf;
f) facilitate delivery of the vehicle and other related assistance for the said delivery.
g) perform internal operations necessary to provide our Services or the ACKO Drive Platform including to enable us to provide you all the relevant details with respect to your policies in an easy viewing format on Your ACKO Drive Account, or to enable our affiliate to provide the products and/or services to you including updates on your policy through Your ACKO Drive Account or otherwise, including to troubleshoot software bugs, operational problems or to conduct testing.
ii. Enabling customer support including: for enabling customer support to you including to help us / affiliates respond to your pre-sale and post-sale requests and support needs, efficiently and without delay, including through Your ACKO Drive Account or otherwise.
iii. Research, development, improvements and innovation including:
a) To conduct research and analysis to develop new products / services, improve our / affiliates services, or to develop features and functionality to detect, prevent, mitigate and investigate fraudulent or illegal activities.
b) analyse how the ACKO Drive Platform and/or the Services are used, diagnose service or technical problems, maintain security for us and our affiliate.
c) help you efficiently use and access the ACKO Drive Platform or the Services or any part thereof; or any products / services offered by our affiliate through Your ACKO Drive Account.
d) to assess serviceability of services, products or features offered by us or our affiliate or any other affiliate / group company of Acko Tech, and to send you communications with respect to the same.
e) to contact you for refund or cancellation or confirmation of a purchase or failed transaction on the ACKO Drive Platform or with our affiliate including to display the status of your payments, applications, inquiries and/or policies on Your ACKO Drive Account.
f) to look at trends and customer interests with respect to our Services, and/or the products / services of our affiliates, whether offered now or in the future. We and/or our affiliates may combine the information we / our affiliate receives from you, with the information we / our affiliate gets from other third parties including any of the service providers.
iv. Enabling communications including: for enabling communications through Your ACKO Drive Account or otherwise, including for enabling marketing and outreach activities including promotion of new products, services, and/or ACKO Drive Platforms offered by us or our affiliates or our group companies / Sellers, and for automated/automating decisions. We and our affiliates will use and share your personal information to send you transactional communications. We or our affiliate may send you emails or SMS/es or other push notifications about Your ACKO Drive Account or your expression of interest or purchases.
v. Marketing and outreach including: to inform you about the new products offered by us, our affiliates or any other group company or the Sellers. You may have interest or intention of availing services or a general query with respect to the services available on ACKO Drive Platform and/or through ACKO Drive Platform and/or by our affiliates. Accordingly, you may contact us; or we or our affiliate may contact you. By contacting us / our affiliate in anyway and/or by providing us / our affiliate your phone number and/or contact details and/or other details or showing interest in any product / service of the Company or our affiliate or any other affiliate / group company, you thereby give us, our affiliate and/or our group companies, the unequivocal right and consent to use the said personal data as per this Policy.
vi. Ensure compliance under applicable laws including:
a) to enable us or our affiliate to comply with any legal and regulatory obligations or requisition requests by any authority under the applicable laws including to enable us or our affiliate to proactively communicate with any regulatory or governmental body, or law enforcement agencies or any other government or judicial body in connection with any suspicious, illegal, fraudulent or unlawful activities.
b) to enforce our / our affiliates legal or other rights against you including to comply with our / affiliates obligations to you.
4. Sharing of Your Personal Information
i. With Our affiliates and/or our group companies: We may also share the personal information or details provided by you or collected by us with our affiliates or members of our group companies for the purposes specified under Section 3 (How We Use Your Personal Data) of this Policy. We reserve the right to exchange, share or provide the personal information relating to your personal, financial details and other sensitive information with our affiliates and other group companies as required, and you will not hold us/our affiliates and/or our any other group companies and their agents liable for use, processing, retention or sharing of the personal information for use as per Section 3 (How We Use Your Personal Data) of this Policy. This right is in addition to the rights of our affiliate to access, use, store and share your personal data as per Section 3 (How We Use Your Personal Data).
YOU UNDERSTAND AND AGREE THAT WE AND THE AFFILIATE MAY DISCLOSE YOUR PERSONAL INFORMATION, TO ANY MEMBER OF OUR GROUP OR OUR AFFILIATES OR A RELATED PARTY, FOR THE PURPOSES SPECIFIED UNDER SECTION 3 (HOW WE USE YOUR PERSONAL DATA) TO THIS POLICY, AND YOU PROVIDE YOUR EXPRESS AND UNCONDITIONAL CONSENT FOR THE SAME.
ii. With Sellers and Third Party Service Provider/s: We or our affiliates may use third-party service providers to help us operate our business, perform KYC and other checks, manage the Acko Drive Platform, provide the Services or administer activities on our affiliates’ behalf, such as sending out newsletters, surveys or questionnaires or other marketing activities with respect to us, our affiliate or our other affiliates’ products / services, including any new offerings by the Sellers. We may disclose your personal information to Sellers and other third parties (including any foreign third parties to the extent permitted by the applicable laws) for the purposes mentioned under Section 3 (How We Use Your Personal Data) to this Policy, inter alia, in order to perform KYC checks, provide You with customer support facilities, to comply with our / affiliates legal obligations including prevention of money laundering or otherwise as prescribed by the any authority or under any applicable laws, to enforce the Terms of Use, to facilitate marketing and advertising activities for us / our affiliates, to conduct analysis, to provide You services, to facilitate services for You, to send notifications, reminders or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to ACKO Drive Platform or the products / services of our affiliate and to avail services from third parties for data analysis and market research. Some of these functionalities may include: Analysing customer behavior, conducting research into customer behavior and contacting the customers for the said purpose, and to automate our marketing and outreach efforts, detection and flagging of fraud, Cloud services, Validating and authenticating your employment status, employment information and employment duration.
iii. With Authorities or the Government: We may disclose or share your personal information if we are under a duty to comply with any legal obligation or an order from the government and/or a statutory authority, or in order to enforce or apply the Terms of Use or assign such personal information during corporate divestitures, mergers, or to protect the rights, property, or safety of the Company, the Users, or others. This includes exchanging personal information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
iv. For Business Requirements:In the event the Company is merged with or acquired by another company or in case of re-organization or re-structuring of business, we or our affiliate affiliates may share your personal information, wholly or in part, with another business entity/ies.
5. Retention Policy
We and our affiliates collect, use, share and retain your personal information only for the purpose specified in the preceding sections above, including ensuring compliance with applicable laws. Subject to regulatory or law enforcement requirements or other obligations under applicable laws which may prescribe longer periods, we will retain your personal information in identifiable form until you withdraw your consent. To withdraw your consent, you may write to the grievance officer as per the details mentioned in the “Contact Us” section.
6. How Acko Protects Your Information
We, at Acko Tech, have appropriate data collection, storage, and processing practices. Our and our affiliates security measures protect against unauthorized access, alteration, disclosure or destruction of your personal information. All kinds of private information exchange and transactions on the ACKO Drive Platform happen through secured communication channels and are encrypted and protected with digital signatures. We or our affiliate assume no liability for any disclosure of personal information due to errors in transmission, unauthorised third-party access, or other acts of third parties, or acts or omissions beyond our / affiliates reasonable control and you agree that you will not hold us / affiliate responsible for any breach of security or unauthorised disclosure. In using ACKO Drive Platform and/or availing the services or products of our affiliate, you accept the inherent security implications of data transmission over the internet, and the world wide web cannot always be guaranteed as completely secure. Therefore, your use of ACKO Drive Platform including to avail any products / services offered by our affiliate will be at your own risk.
7. Third Party Websites
While using the ACKO Drive Platform, you may find content that contains links to the other websites or portals on the internet. These sites and services may have their own privacy policies. Browsing on and interacting with any other website, including the websites which contain a link to our website, is subject to that website’s own terms and conditions.
8. Changes in this Privacy Policy and Other Terms
We and our affiliates have taken every effort to ensure that this Policy adheres to the applicable laws. The invalidity or unenforceability of any part of this Policy shall not prejudice or affect the validity or enforceability of the remainder of this Policy. This Policy does not apply to any information other than the personal including sensitive information and does not extend to any non-personal data provided by you or collected by us / our affiliate / by our service providers. This Policy shall be inapplicable to any unsolicited information you provide us through ACKO Drive Platform or otherwise. This includes, but is not limited to, information posted in any public areas of ACKO Drive Platform. All unsolicited information shall be deemed to be non-confidential, and the Company shall be free to use and/ or disclose such unsolicited information without any limitations. We and our affiliates reserves the right to update this Policy at any time, so you are advised to review this Policy statement frequently. Your access to or continued use of the ACKO Drive Platform after the changes have been posted on this page shall confirm your equivocal acceptance of the revised privacy policy.
9. Contact Us
If you have any questions, comments or grievances in relation to our privacy policy as outlined above, you may write to our Grievance Office at below:
Email: [email protected]
Phone: +91-8178583016
Thank you for visiting our website at www.ackodrive.com.
27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
Date of Incorporation: September 7, 2016
CIN: U74110KA2016PTC120161
ACCEPTANCE OF THE PRIVACY POLICY:
YOU WARRANT AND CONFIRM THAT YOU HAVE READ AND UNDERSTOOD THIS POLICY, AND YOU PROVIDE YOUR UNEQUIVOCAL CONSENT TO ALLOW US AND OUR AFFILIATES TO COLLECT, RETAIN, SHARE, PROCESS AND STORE YOUR PERSONAL AND SENSITIVE PERSONAL INFORMATION AS PER THIS POLICY. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT PROCEED FURTHER TO USE / ACCESS THIS ACKO Drive PLATFORM OR AVAIL ANY SERVICES / PRODUCTS OF THE AFFILIATE.
BY SETTING UP YOUR ACKO Drive ACCOUNT OR VOLUNTARILY PROVIDING US / OUR AFFILIATE OR ALLOWING US / OUR AFFILIATE ACCESS TO YOUR PERSONAL INFORMATION, YOU ARE CONSENTING TO COLLECTION, PROCESSING, STORAGE, USAGE AND SHARING AS PER THIS POLICY.
If you do not provide personal information or withdraw the consent for any of your personal information at any point in time, we and/or our affiliates shall have the option to not provide the benefits for the purpose of which the said personal information was provided / sought including but not limited to refusing to offer our ACKO Drive Platform or Service or any part thereof to you by us or our affiliate as the case may be.
PLEASE FURTHER NOTE THAT WITHDRAWAL OF CONSENT BY YOU OR DELETION OF YOUR ACKO Drive ACCOUNT WILL NOT DIMINISH AND/OR AFFECT OUR / OUR AFFILIATE/S RIGHTS AND/OR OBLIGATIONS UNDER THE APPLICABLE LAWS. ACCORDINGLY, YOU UNDERSTAND AND AGREE THAT WE AND OUR AFFILIATES WILL CONTINUE TO COLLECT, USE, PROCESS, AND STORE YOUR PERSONAL DATA AS PER THE REQUIREMENTS UNDER THE APPLICABLE LAWS.
THIS POLICY ONLY APPLIES TO YOUR DATA INCLUDING ANY PERSONAL AND SENSITIVE PERSONAL DATA/INFORMATION. ANY NON-PERSONAL DATA / INFORMATION PROVIDED BY YOU TO US OR OUR AFFILIATES OR OUR SERVICE PROVIDERS; OR COLLECTED BY US OR OUR AFFILIATES OR OUR SERVICE PROVIDERS, IS OUT OF THE SCOPE OF THIS POLICY.
NON-PERSONAL INFORMATION SHALL BE USED, SHARED, STORED AND/OR PROCESSED BY US AND/OR OUR AFFILIATE AS PER OUR / OUR AFFILIATES’ SOLE DISCRETION, SUBJECT ALWAYS TO APPLICABLE LAWS (IF ANY).FOR SAKE OF CLARITY, NON-PERSONNEL INFORMATION/ DATA IS SUCH INFORMATION OR DATA WHICH DOES NOT DIRECTLY IDENTIFY YOU OR IS AGGREGATED OR DE- PERSONALIZED AND/OR USING WHICH THE SPECIFIC IDENTITY OF AN INDIVIDUAL CANNOT BE ESTABLISHED.
1. PERSONAL INFORMATION PROVIDED BY YOU AND/OR COLLECTED BY US AND/OR OUR AFFILIATE:
We and/or our affiliates will use the personal information including any sensitive personal data / information provided by You only in accordance with the purposes in this Policy or as per the requirements of the applicable laws.
Except as provided herein or as clearly disclosed to You at the time of seeking or collection of personal data, we do not solicit any sensitive personal information about you. However, if you share such sensitive or personal information with us or our affiliates voluntarily, we will not be liable for any actions, claims, costs, expenses or other liabilities that may arise because of any unauthorized use or misuse of such sensitive personal information. Any personal information including your sensitive personal information provided by you on the ACKO Drive Platform or to us or to our affiliate/s, will be deemed as an authorisation given by you to us and our affiliates to use, store, process and share such personal information for the purpose as stated out on the ACKO Drive Platform, the applicable laws, the policy wording and this Policy.
During your use of ACKO Drive Platform or any Service offered by ACKO Drive, you may provide and/or we may collect and process such personal information from you, including but not limited to the below:
i. Personal Information provided by You:
You may provide the personal information to us or affiliates:
a) by filling in application forms or signing-up for an account on the ACKO Drive Platform or completing the Know-Your-Customer (“KYC”) or at the time of the on-boarding process or for availing any service on the ACKO Drive Platform or any product of our affiliate. This may include contact information such as your full name, email address, mailing address, permanent address, employment details, salary details, phone number, KYC documents like Voter ID, PAN, Driving License, and car details like engine / chase number, vehicle details, registration certificate, car insurance details, old car details and registration number, etc.
b) voluntarily, when you call or write directly to us or our affiliate (including by e-mail, feedback and/or surveys).
c) You may be required to provide further information to us or our affiliates for the purposes of claiming / availing their products / services. Such additional information may include (without limitation) your health and lifestyle related data, insurance policies, bank statements, loan statement/s, salary and income statements as prompted on the relevant page. You may also be required to provide this information to u or our affiliates via physical documents, e-mail or other digital and offline methods.
ii. Personal Information Collected from Third Parties:
a) We and/or our affiliates may also be working closely with third parties (including, for example, business partners, partner banks and financial institutions, technical sub-contractors, analytics providers, etc.) and may lawfully receive information about you from such sources. Such personal data may be shared internally and combined with data collected on the ACKO Drive Platform.
b) We and /or our affiliates may also use the content you have shared publicly, including on third party ACKO Drive Platforms or applications including any social media channel, to promote our Services and/or Our ACKO Drive Platform and/or affiliates, or their services / ACKO Drive Platform (including by quoting your content, reviews and/ or recommendations, or displaying screenshots of your content, reviews and/ or recommendations).
iii. Personal Information Collected by Us and/or our affiliates:
a) We and our affiliates collect user account data which includes both personal and non-personal data, including but not limited to the email address, IP address, name to log in to the ACKO Drive Platform. This information is required as part of the registration and on-boarding process to (i) create Your ACKO Drive Account; (ii) provide our Service and ACKO Drive Platform; (iii) enable our affiliates to provide you with products and/or services; (iv) perform verification and KYC checks on you; (and it is also used to auto populate relevant fields when you apply for any product or service of our affiliate.
b) We and our affiliate may also collect mobile numbers for verification to check the active SIM status on your device, uniquely identify you and prevent fraud and unauthorized access. When you grant us access to the address book on your mobile device, then we and our affiliates access the names and contact information from your address book to facilitate invitations and to assess your phone usage and habits.
c) As part of your journey on the ACKO Drive Platform, we access your phonebook contacts which includes their contact names, phone numbers, account types, favorites (starred) and contact labels to enrich your profile.
d) We and/or our affiliates shall collect transaction information related to the use of our Services, the ACKO Drive Platform and/or the products and services of our affiliate, including the type of Services requested, date and time the Service was provided and payment method.
e) Additionally, if someone uses your promotion code, we or our affiliate may associate your name with that person and their usage of the ACKO Drive Platform/ Services.
f) If you call our call centers, we or our affiliates may record information provided by you to service you as per the Terms of Use and this Policy, including for quality and training purposes.
g) When you grant us access to the SMSs on your mobile device, then we and our affiliate/s may collect SMS data stored on your mobile or other device. We and our affiliate use this data to analyse your financial profile and enable provisioning of best offers by us and/or affiliates with respect to the ACKO Drive Platform, Services and/or products offered by us or our affiliates.
h) We may collect non-personal data as specified in the section below.
2. NON- PERSONAL INFORMATION / DATA
i. “Non-Personal Information” means and includes any information that does not reveal Your specific identity, such as, browser information, information collected through Cookies (as defined below), pixel tags and other technologies, demographic information etc. Our ACKO Drive Platform gathers some information automatically when You visit the ACKO Drive Platform or avail any Service and stores it in your log files.
ii. We and our affiliates may collect certain non-personal information about Your computer or other electronic device through which you have accessed ACKO Drive Platform or our Services or the products / services of our affiliate to facilitate, evaluate and verify your use of ACKO Drive Platform or Your ACKO Drive Account or your interactions / communications with our affiliate.
iii. We and/or our affiliates collect non-personal data about the devices used to access our / their Services, including the hardware models, device IP address, operating systems and versions, software, preferred languages, unique device identifiers, advertising identifiers, serial numbers, device motion data, and mobile network data.
iv. We collect non-personal data about how you interact with our Services, ACKO Drive Platform and/or with our affiliate. This includes data such as access dates and times, features or pages viewed, ACKO Drive Platform crashes and other system activity, type of browser, and third-party sites or services used before or in the course of interacting with our Services and/or the services/products of our affiliate/s.
v. “Cookies” are small files that reside on Your computer's/ electronic devices hard drive and generally contain an anonymous unique identifier and are accessible only by ACKO Drive Platform that placed them there and not any other sites. You may refuse to accept Cookies by activating the setting on Your browser which allows You to refuse the setting of Cookies. However, if You do not provide such information, you may be unable to access certain parts of ACKO Drive Platform. Unless You have adjusted Your browser setting so that it will refuse Cookies, our system may issue Cookies when You log on to ACKO Drive Platform. The use of Cookies by Our partners, advertisers or service providers is not covered by this Policy.
vi. We collect the location data from you in two ways: (a) when you add the pin code as part of your account creation process; and (b) from your mobile device when enabled by you to do so.
vii. We collect the data about your installed applications, including the applications that you have installed on and from the date you create your account on the ACKO Drive Platform and the manner in which you use them.
viii. IT IS REITERATED THAT THIS POLICY DOES NOT APPLY TO NON-PERSONAL DATA / INFORMATION INCLUDING PROCESSING OF ANY DATA IN ANONYMISED, AGGREGATED OR DE-IDENTIFIED FORM AVAILABLE WITH US OR COLLECTED BY US OR PROVIDED TO US / OUR AFFILIATES. THE USE OF SUCH NON-PERSONAL DATA / INFORMATION (INCLUDING RETENTION, SHARING AND PROTECTION) SHALL BE AT OUR / OUR AFFILIATE’S SOLE DISCRETION AND REQUIREMENTS.
3. How We / Our affiliates Use Your Personal Information
We and/or our affiliate/s may use, process and share your personal information including any sensitive personal information / data for:
i. Enabling the ACKO Drive Platform and the Services offered by us and/or our affiliate, including:
a) provide and improve the ACKO Drive Platform and/or the Services, including offering new products, features, updates and/or functionality.
b) to enable provisioning of products / services by our affiliates including but not limited to personalizing user experience and sending you information and updates about new products, your policy/ies, your premium due dates, etc. This could include displaying appropriate content based upon our / affiliates’ judgment and discretion.
c) verify your identity and perform related checks.
d) auto-fill applications and requests on your behalf.
e) facilitate and communicate with Sellers on your behalf;
f) facilitate delivery of the vehicle and other related assistance for the said delivery.
g) perform internal operations necessary to provide our Services or the ACKO Drive Platform including to enable us to provide you all the relevant details with respect to your policies in an easy viewing format on Your ACKO Drive Account, or to enable our affiliate to provide the products and/or services to you including updates on your policy through Your ACKO Drive Account or otherwise, including to troubleshoot software bugs, operational problems or to conduct testing.
ii. Enabling customer support including: for enabling customer support to you including to help us / affiliates respond to your pre-sale and post-sale requests and support needs, efficiently and without delay, including through Your ACKO Drive Account or otherwise.
iii. Research, development, improvements and innovation including:
a) To conduct research and analysis to develop new products / services, improve our / affiliates services, or to develop features and functionality to detect, prevent, mitigate and investigate fraudulent or illegal activities.
b) analyse how the ACKO Drive Platform and/or the Services are used, diagnose service or technical problems, maintain security for us and our affiliate.
c) help you efficiently use and access the ACKO Drive Platform or the Services or any part thereof; or any products / services offered by our affiliate through Your ACKO Drive Account.
d) to assess serviceability of services, products or features offered by us or our affiliate or any other affiliate / group company of Acko Tech, and to send you communications with respect to the same.
e) to contact you for refund or cancellation or confirmation of a purchase or failed transaction on the ACKO Drive Platform or with our affiliate including to display the status of your payments, applications, inquiries and/or policies on Your ACKO Drive Account.
f) to look at trends and customer interests with respect to our Services, and/or the products / services of our affiliates, whether offered now or in the future. We and/or our affiliates may combine the information we / our affiliate receives from you, with the information we / our affiliate gets from other third parties including any of the service providers.
iv. Enabling communications including: for enabling communications through Your ACKO Drive Account or otherwise, including for enabling marketing and outreach activities including promotion of new products, services, and/or ACKO Drive Platforms offered by us or our affiliates or our group companies / Sellers, and for automated/automating decisions. We and our affiliates will use and share your personal information to send you transactional communications. We or our affiliate may send you emails or SMS/es or other push notifications about Your ACKO Drive Account or your expression of interest or purchases.
v. Marketing and outreach including: to inform you about the new products offered by us, our affiliates or any other group company or the Sellers. You may have interest or intention of availing services or a general query with respect to the services available on ACKO Drive Platform and/or through ACKO Drive Platform and/or by our affiliates. Accordingly, you may contact us; or we or our affiliate may contact you. By contacting us / our affiliate in anyway and/or by providing us / our affiliate your phone number and/or contact details and/or other details or showing interest in any product / service of the Company or our affiliate or any other affiliate / group company, you thereby give us, our affiliate and/or our group companies, the unequivocal right and consent to use the said personal data as per this Policy.
vi. Ensure compliance under applicable laws including:
a) to enable us or our affiliate to comply with any legal and regulatory obligations or requisition requests by any authority under the applicable laws including to enable us or our affiliate to proactively communicate with any regulatory or governmental body, or law enforcement agencies or any other government or judicial body in connection with any suspicious, illegal, fraudulent or unlawful activities.
b) to enforce our / our affiliates legal or other rights against you including to comply with our / affiliates obligations to you.
4. Sharing of Your Personal Information
i. With Our affiliates and/or our group companies: We may also share the personal information or details provided by you or collected by us with our affiliates or members of our group companies for the purposes specified under Section 3 (How We Use Your Personal Data) of this Policy. We reserve the right to exchange, share or provide the personal information relating to your personal, financial details and other sensitive information with our affiliates and other group companies as required, and you will not hold us/our affiliates and/or our any other group companies and their agents liable for use, processing, retention or sharing of the personal information for use as per Section 3 (How We Use Your Personal Data) of this Policy. This right is in addition to the rights of our affiliate to access, use, store and share your personal data as per Section 3 (How We Use Your Personal Data).
YOU UNDERSTAND AND AGREE THAT WE AND THE AFFILIATE MAY DISCLOSE YOUR PERSONAL INFORMATION, TO ANY MEMBER OF OUR GROUP OR OUR AFFILIATES OR A RELATED PARTY, FOR THE PURPOSES SPECIFIED UNDER SECTION 3 (HOW WE USE YOUR PERSONAL DATA) TO THIS POLICY, AND YOU PROVIDE YOUR EXPRESS AND UNCONDITIONAL CONSENT FOR THE SAME.
ii. With Sellers and Third Party Service Provider/s: We or our affiliates may use third-party service providers to help us operate our business, perform KYC and other checks, manage the Acko Drive Platform, provide the Services or administer activities on our affiliates’ behalf, such as sending out newsletters, surveys or questionnaires or other marketing activities with respect to us, our affiliate or our other affiliates’ products / services, including any new offerings by the Sellers. We may disclose your personal information to Sellers and other third parties (including any foreign third parties to the extent permitted by the applicable laws) for the purposes mentioned under Section 3 (How We Use Your Personal Data) to this Policy, inter alia, in order to perform KYC checks, provide You with customer support facilities, to comply with our / affiliates legal obligations including prevention of money laundering or otherwise as prescribed by the any authority or under any applicable laws, to enforce the Terms of Use, to facilitate marketing and advertising activities for us / our affiliates, to conduct analysis, to provide You services, to facilitate services for You, to send notifications, reminders or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to ACKO Drive Platform or the products / services of our affiliate and to avail services from third parties for data analysis and market research. Some of these functionalities may include: Analysing customer behavior, conducting research into customer behavior and contacting the customers for the said purpose, and to automate our marketing and outreach efforts, detection and flagging of fraud, Cloud services, Validating and authenticating your employment status, employment information and employment duration.
iii. With Authorities or the Government: We may disclose or share your personal information if we are under a duty to comply with any legal obligation or an order from the government and/or a statutory authority, or in order to enforce or apply the Terms of Use or assign such personal information during corporate divestitures, mergers, or to protect the rights, property, or safety of the Company, the Users, or others. This includes exchanging personal information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
iv. For Business Requirements:In the event the Company is merged with or acquired by another company or in case of re-organization or re-structuring of business, we or our affiliate affiliates may share your personal information, wholly or in part, with another business entity/ies.
5. Retention Policy
We and our affiliates collect, use, share and retain your personal information only for the purpose specified in the preceding sections above, including ensuring compliance with applicable laws. Subject to regulatory or law enforcement requirements or other obligations under applicable laws which may prescribe longer periods, we will retain your personal information in identifiable form until you withdraw your consent. To withdraw your consent, you may write to the grievance officer as per the details mentioned in the “Contact Us” section.
6. How Acko Protects Your Information
We, at Acko Tech, have appropriate data collection, storage, and processing practices. Our and our affiliates security measures protect against unauthorized access, alteration, disclosure or destruction of your personal information. All kinds of private information exchange and transactions on the ACKO Drive Platform happen through secured communication channels and are encrypted and protected with digital signatures. We or our affiliate assume no liability for any disclosure of personal information due to errors in transmission, unauthorised third-party access, or other acts of third parties, or acts or omissions beyond our / affiliates reasonable control and you agree that you will not hold us / affiliate responsible for any breach of security or unauthorised disclosure. In using ACKO Drive Platform and/or availing the services or products of our affiliate, you accept the inherent security implications of data transmission over the internet, and the world wide web cannot always be guaranteed as completely secure. Therefore, your use of ACKO Drive Platform including to avail any products / services offered by our affiliate will be at your own risk.
7. Third Party Websites
While using the ACKO Drive Platform, you may find content that contains links to the other websites or portals on the internet. These sites and services may have their own privacy policies. Browsing on and interacting with any other website, including the websites which contain a link to our website, is subject to that website’s own terms and conditions.
8. Changes in this Privacy Policy and Other Terms
We and our affiliates have taken every effort to ensure that this Policy adheres to the applicable laws. The invalidity or unenforceability of any part of this Policy shall not prejudice or affect the validity or enforceability of the remainder of this Policy. This Policy does not apply to any information other than the personal including sensitive information and does not extend to any non-personal data provided by you or collected by us / our affiliate / by our service providers. This Policy shall be inapplicable to any unsolicited information you provide us through ACKO Drive Platform or otherwise. This includes, but is not limited to, information posted in any public areas of ACKO Drive Platform. All unsolicited information shall be deemed to be non-confidential, and the Company shall be free to use and/ or disclose such unsolicited information without any limitations. We and our affiliates reserves the right to update this Policy at any time, so you are advised to review this Policy statement frequently. Your access to or continued use of the ACKO Drive Platform after the changes have been posted on this page shall confirm your equivocal acceptance of the revised privacy policy.
9. Contact Us
If you have any questions, comments or grievances in relation to our privacy policy as outlined above, you may write to our Grievance Office at below:
Email: [email protected]
Phone: +91-8178583016
Thank you for visiting our website at www.ackodrive.com.
Acko Technology and Services Private Limited
Registered Office: 36/5, Hustlehub One East, Somasandrapalya,27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
Date of Incorporation: September 7, 2016
CIN: U74110KA2016PTC120161
36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102.
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