We want you to understand the types of information that we collect, so you can then make the best decisions about what you share with us. Personal Information will inter alia include any information which is directly or indirectly available with us to identify or verify individual identity. This may also include sensitive personal data which inter alia includes financial information such as bank account, credit and debit card details, biometric information when you interact with our products or services

Categories of Personal Information we may collect:

• Identity and Account Opening Information (e.g. name, address, date of birth)
• Contact Information (e.g. mobile number, permanent/shipping address)
• Financial Information (e.g. Coupl bank account number)
• Identification Information (e.g. KYCs, PAN number)
• Transactional Information (Money Flow) (e.g. UPI ID)
• Usage and Technical Information (e.g. IP address)
• Credit and Lending Information (e.g. credit score)
• Marketing and Communication Information (e.g. customer support logs)
• Information in your device(s) (e.g. camera, contact list)

Any personal information held by us will be committed to a high degree of protection.

We process/collect data received

1. directly from you through Coupl Platforms or through different communication channels or the services or product you entail to use and when you provide your details in forms, surveys, online applications or similar online fields
2. indirectly from third party sources including but not limited to credit institution companies, market research, publicly available information, payment gateway companies, business partners, financial institutions.

Your Personal Information allows us to create more personalized and unique banking experiences just for you. When you trust us with your data, it's only right that you understand how we may use it:

For general support

Verify your identity before providing our services, or responding to any of your queries, applications, feed-back and complaints

For our internal operations

• Aid our research and analysis, so that we keep improving our services, products and advertising strategies.
• Manage our day-to-day business operations.
• Ensure that the information we have about you is up-to-date.
• Conducting credit checks or due diligence checks to minimise risks or frauds.
• Comply with all laws and obligations from any legal authorities.
• Seek professional advice, including legal.
• Update you on changes to our products or services that you might be currently engaged in.

For marketing purposes

Contact you and offer products or services that you might be interested in (via EDMs, direct mailers, SMS, WhatsApp, phone calls, social media, third party sites, etc)

To deliver on our promise of helping you to live more, we often partner up with third parties, Partner Banks that bring you rewards or promotions or partner us to provide you product and services that give you more out of life. We may also from time to time, share your Personal Information with others to keep improving your banking experiences with us but always in a responsible manner:

Who?

• Third parties such as campaign partners and vendors who work with us (in India or elsewhere)
• Carefully selected business partner or Partner Banks to introduce you to products and services you might be interested in.
• Relevant authorities such as government or law enforcement agencies or regulators.

How?

• We require all personnel of Coupl and third parties to ensure that any of your data disclosed to them is kept confidential and secure through legally enforceable arrangements.
• We may process your data outside of India subject to applicable data protection laws.
• We do not sell your Personal Information to any third parties and we shall comply fully with any duty or obligation of confidentiality that governs our relationship with you.

Access to your information

You may request record of your Personal Information being processed by us, upon the verification of your identity and other information as per the Company internal policy

Review, Correct and Rectify your information

You may review, correct or rectify the inaccurate Personal Information that is stored with us

Withdrawing your consent

1. You may withdraw a consent to processing that you have given us and prevent further processing of your Personal Information subject to the terms of this Privacy Policy;
2. You may also withhold your consent prior to the collection and processing of your combined information

You can exercise any of the aforementioned rights by submitting a request to hello@coupl.club. These rights are limited in some situations, such as, where we are legally or otherwise bound to process or retain your Personal Information. This may also affect our ability to provide you service and therefore may lead to discontinuation of the Service you procure from Coupl.