PRIVACY POLICY

This comprehensive Privacy Policy and Terms of Use describe how Zingoy, operated by Parity Cube Private Limited collects, processes, uses and disseminates your personal data when you use and/ or access our websites and platforms. By using our websites or platforms, you agree to this Privacy Policy and Terms of Use. Our platforms may include without limitation mobile applications, touch technologies, electronic services, social networking sites, third-party access and partner integrations. By using our services, you are agreeing to our Terms of Use.

You can read more about these terms here.

A. INTRODUCTION

Parity Cube Private Limited (hereinafter referred to as "we", "us", "Zingoy", "Parity Cube" or "our" or "Company") The Company owns and operates the website: www.zingoy.com ("Website", "Site"). For the purpose of providing services (hereinafter referred to as the "services"), we are required to collect, use, and disseminate certain information of users ("User/s," "You", "Your/s") who use our Website. We are committed to safeguarding user privacy and confidentiality.

This Policy applies to all users, guests, visitors, account holders, merchants, and affiliates of any platform/service operated by Zingoy or Parity Cube, including but not limited to cashback, voucher buying/selling, affiliate programs, and referral services.

This Policy is published in accordance with the applicable laws including but not limited to Information Technology Act, 2000 ("IT Act") and applicable rules, including but not limited to the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 ("SPI Rules"). The Policy is designed to comply with the provisions of the Digital Personal Data Protection Act, 2023 ("DPDP") and any rules notified thereunder to the extent applicable.

B. COLLECTION OF INFORMATION

This Privacy Policy illustrates how we collect, use, store, process, and share user information through our websites and platforms, including but not limited to mobile apps, browser extensions, third-party access and partner integrations. Where we collect any sensitive personal data, for such financial details, credentials or passwords, we obtain your consent prior to such collect and thereby use it only for the specific purposes disclosed at the time of collection. By accessing or using our services, you agree to this Policy. We collect the following user information as detailed herein:

1. Personal Identifiers: Name, email, mobile number, addresses, usernames, device information, geolocation, IP address etc.
2. Account & Login Data: Usernames, hashed passwords, one-time passwords (OTPs).
3. Demographic Data: Date of birth, gender, interests, marital status, occupation.
4. Transactional & Commercial Data: Purchase details, cashback records, merchant referrals, and coupon redemptions.
5. Device & Network Info: Device type, OS version, cookies, browsing data, advertising identifiers.
6. Data from Third Parties: Social logins, payment partners, referral programs.
7. Communications: Customer support queries, survey responses, email correspondence.

C. USE OF INFORMATION

Your use of and access to our services is subject to this Policy and Our Terms of Use and we may use your information for the following purposes:

1. To operate, secure, and improve our services.
2. To personalize user experience and provide targeted offers.
3. To process rewards, referrals, redemptions, and payments.
4. To send transactional, promotional, and administrative communications.
5. To comply with legal obligations or respond to lawful requests.

D. DISSEMINATION OF INFORMATION

We may share your information with:

1. With Third-Party Service Providers & their Affiliates: For providing core functionalities, payment processing, fraud prevention, customer support, analytics, and marketing.
2. With Business Partners: Merchants, advertisers, and affiliate networks for fulfillment, cashback, or rewards.
3. With Government or Statutory Authorities: In response to court orders, investigations, or to enforce policies or any other mandates prescribed by the Government.
4. With Corporate entity(ies): In event of mergers, acquisition, or sale of assets.
5. With Data Providers: For analytics/marketing without identifying individuals.
6. User Consent: Sharing data after obtaining explicit permission.

E. YOUR RIGHTS & CHOICES

Pursuant to the above, you are entitled to the following rights and choices as provided herein:

• Access, update, or request corrections to your personal data;
• Delete your account/data, by contacting us at below given email, subject to legal retention;
• Object or restrict certain data uses;
• Manage cookie and notification preferences via browser/app settings;
• Withdraw consent at any time; and
• Right to grievance redressal, nominated representative, withdraw consent and request for erasing the data.

For any queries or clarification, you can contact us via email at [email protected].

F. DATA SECURITY

Zingoy adopts standard physical, electronic, and procedural safeguards, including OTP authentication, restricted access, and storage within secured networks. Communication of bank details and confidential data encrypted and processed per industry norms including but not limited to data encryption (e.g., encryption, secure cloud storage, limited access). Despite best practices, no system is completely safe and we are not liable for unauthorized access due to factors beyond our control (e.g., hacking, malware and/ or virus).

Users recognize inherent risks of internet data transmission; Zingoy does not guarantee protection against all unauthorized access or breaches.

G. CHILDREN'S PRIVACY

Our Services are not directed to Children under 18 years of age. We do not knowingly collect personal data of minor. If you believe, a child has provided personal data to us without parental consent, please contact our Grievance Officer and we will delete such information.

H. COOKIES & TRACKING TECHNOLOGIES

Alike many commercial websites, our Website utilizes cookies and web server logs to collect information on how visitors use our Website. Cookies are small text files stored on your device by your browser, and they are only readable by the server that placed them. Cookies do not run programs on your device, install viruses, or harvest your personal information.

Cookies enable our servers to recognize your device when you return to our Website, recording details such as the date and time of your visits, pages viewed, duration of your sessions, and websites visited immediately before and after visiting us. Cookies also help verify your registration or login credentials during an active session, saving you from repeatedly inputting your password as you navigate the Website. Additionally, cookies allow us to suggest products or services that may interest you based on your previous interactions.

The information collected by cookies is aggregated and anonymous and is not associated with personal identifiers.

We use cookies and tracking tools for:

1. Site analytics, preferences, and marketing;
2. Track purchases and award cashback;
3. Analyze browsing patterns to improve services;

Users have liberty to manage such cookies via their browser settings. Disabling cookies may affect certain functionalities of the Website.

I. PROMOTIONAL INITIATIVES

Zingoy may contact users for feedback, reviews, or promotional campaigns through social media, email, or notifications and telephonic calls.

Content and participation on promotional platforms may be publicly visible; Zingoy disclaims liability for third-party misuse of openly shared information.

J. DATA RETENTION & INTERNATIONAL TRANSFERS

We will retain Your data as long as necessary to fulfill the purposes for which it was collected or as required by applicable laws. Afterward, the data may be anonymized for analytical purposes. Data may be processed in India or other jurisdictions with adequate protections. Use of the platform implies consent to such transfers. We retain personal data as long as necessary to fulfil the purposes described in this Policy or to comply with legal, accounting, tax requirements. Once the purposes of retention of data ceases, irreversibly anonymize the data.

K. THIRD PARTY SITES

User data inputted on third-party sites is outside Zingoy's control; check such sites' policies before providing personal information. Zingoy provides links for user convenience but is not liable for external privacy practices.

L. USER CONSENT

Ongoing website access and use confirms user's express consent to collection, processing, and disclosure of Personal/User Information in accordance with this Policy.

M. AMENDMENTS

Zingoy reserves right to change this Privacy Policy without prior user consent; posted changes are effective immediately. Users are responsible for periodically reviewing updates; lack of knowledge of changes cannot be a defense.

N. GRIEVANCE REDRESSAL

For complaints, queries, or to exercise privacy rights (review, correct, delete data), contact: [email protected]

Users may also write to: Parity Cube Private Limited, 604-605, Tanishq Business Park, Next to Growels 101 Mall, Kandivali East, Mumbai, Maharashtra 400101.

O. GOVERNING LAW AND JURISDICTION

This Policy governed by laws of India; disputes subject to Mumbai courts, except where otherwise mandated by applicable law.

P. GRIEVANCE OFFICER

If You have any grievances regarding this Policy, PLEASE CONTACT:

This Policy may be amended, revised and/ or updated from time to time. Continued use of the Website constitutes acceptance of any changes. Material changes will be notified via the platform or email.