Refyne Tech Private limited (hereinafter referred to as “the
Company”), through its Website and Mobile Application called
“Refyne” runs an employee financial wellness platform that allows
the employee users to track their salary and enables them to
withdraw on credit, the earned amount of salary at any point of
time at an agreed transaction fees which credit is extended by
Non-Banking Financial Companies with whom the Refyne has
Refyne collects, uses, discloses, shares and transfers Information
of User Employees including You.
By using or accessing the Refyne platform or opening an Account on
the Refyne Platform, you agree to accept the present Policy and
you hereby consent to Refyne collecting, processing, using,
disclosing, sharing and transferring your 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.
In case You do not want to share Information as contained herein
below for use by Refyne as stated, you are free to opt out or not
use the Refyne platform by deleting the Account and in such a
case, are not required to give consent as per the present Privacy
In case in future You intend that Your Information as collected
should not be used or should be deleted, you can withdraw your
consent as provided in the present Policy, by writing to Refyne
platform revoking the said consent or deleting the Account, as the
case may be.
Refyne reserves with itself rights to modify, change or update
this Policy at any time. Continued accessing of the Refyne
platform or use of the Products and Services shall be deemed to be
your acceptance of this Policy or amendments thereof.
2. Collection, processing, disclosure and sharing of Information
Refyne collects, uses, discloses, shares and transfers
Information, other content, communications, information etc.
provided by User Employees, when the Users use the Refyne
platform or the Products and Services.
For the purpose of these Terms, the term “Personal
Information” shall mean any information you or the Employer
provides to Refyne and shall include, without limitation your
name, gender, date of birth, age, phone number, photograph,
your financial information such as bank account or credit card
or debit card or other payment details, your email ID and
password, your employee identification number with the
Employer, official email id, your employment history with the
Employer, attendance details KYC details (PAN, Aadhar Card,
Address Proof, Salary Slip, account details and bank
statements, income tax returns etc.).
For the purpose of this Policy, the term “Non-Personal
Information” shall mean information that does not specifically
identify an individual but includes information from you such
as the type of internet browser You use, mobile device or
computer you use, your mobile device’s unique device ID, your,
your Internet Service Provider (ISP) and your Internet
Protocol (IP) address.
Personal and Non-Personal Information together is referred to
as “Information”. Refyne may collect Information from you when
you open an Account or fill the Application Form, when you use
the features or the Products and Services, when you
participate in surveys conducted, when you interact with the
customer care team, when you carry out transactions on the
Refyne platform etc.
You specifically undertake and warrant the accuracy and
truthfulness of the Information you share and agree that you
shall be solely responsible for the same.
Refyne platform including, without limitation, for simplifying
your experience when you return to Refyne platform, like
remembering your login ID and certain Personal Information,
deliver relevant content based on your preferences, usage
patterns and location, tracking etc..
Refyne may collect details about your use of the Refyne platform
and/or Products and Service, such as the features used, any
activity carried out and the frequency/duration/time thereof,
the actions taken etc.
Refyne may be required to collect and combine details from and
about the mobile phones, computers, tablets, other devices etc.
you may use to access the Refyne platform. Details that may be
obtained from these devices could include:
Operating system, hardware and software versions, storage
space signal quality, battery level, browser type, plugins,
name of mobile operator or ISP, language, time zone, IP
address, connection speed etc.
Network, camera or photos, beacons and mobile phone masts, ,
data from cookies stored on devices etc.
Location-related details including your current location
through precise device location, IP addresses, GPS location
etc.to provide improved usage and for tracking as provided
3. Information Usage
Refyne may use your Information for:
- Manage Your Account.
Providing access to the Refyne platform and/or use of the
Products and Services.
Send SMS for authenticating operations via One Time Password
- Conduct survey or analysis of your Account etc..
Develop, test and improve the Refyne platform, testing and
troubleshooting, rectifying glitches, improving navigation and
the facilitation of Products and Services.
4. Information – how it may be shared
Refyne may disclose or share your Information which includes your
Personal Information to enable providing of Products and Services:
Sharing with NBFC’s or credit information companies
Information shared by You may be disclosed and shared with NBFC
and/or credit information companies, as the case may be, in
order to enable you to avail the Salary Advance Facility.
Disclosure as required by law or to authorities. Your
Information may be shared with authorities such as
government/statutory authorities or under court orders; to
establish or exercise legal rights; to defend against legal
claims; or as otherwise required by law.
Disclosure to third parties including payment gateways
Refyne may be required to provide, disclose or share
Information, that is collected from You to third-party service
providers to provide and ensure availability of Products and
Services, payment gateways etc.
Sharing of Information with prospective suitors or
Information may be required to be disclosed acquirer, assignee
or other successor entity in connection with a sale, merger, or
reorganization of all or substantially all of the equity or
business of Refyne.
5. Protection of Information
You explicitly agree, represent and warrant that you:
Refyne, on best effort basis shall attempt to take adequate
measures to protect the security of your Information including
Personal Information and to ensure that your choices for its
intended use are honoured. Refyne takes adequate precautions, on
best effort basis, to secure and protect your data from loss,
misuse, unauthorized access or disclosure, alteration or
destruction, by using industry standards of physical, technical
and administrative security measures although you agree that the
same cannot be foolproof since no security system is impassable
and accordingly Refyne cannot and does not commit or guarantee
that the Information may be absolutely free from invasion or
Refyne shall not be liable or responsible for any breach of
security or disclosure of your Information by or for any actions
or inactions of the NBFC or any other third party that receives
You are solely responsible for maintaining the confidentiality
of your username and password and Refyne would, in no
circumstances be liable or responsible for any breach in this
regard by You.
Personal Information, upon deletion of your Account, is also
generally deleted unless you have not repaid the Salary Advance
Facility or the interest accrued thereon or the Transaction
Fees; the same is required for to comply with any legal
requirements, fraud prevention or assistance in any enquiry, for
resolving disputes, to protect Refyne’s interests, to continue
to develop and improve Products and Services
6. Mechanism for Grievance Redressal
In accordance with the Information Technology Act, 2000 and Rules
made thereunder, the contact details for raising grievances, if
any are provided below:
Address: 351, 3rd and 4th floor, Salarpuria Tower-1 Hosur
Road, Near Forum Mall, 7th Block KORAMANGALA Bangalore KA 560095
Contact Number: +91 7406343332