Privacy policy
Xpertserve (”we”, “our” or “us”) values the users (“you”, “your” or “user”) of our website
(www.Xpertserve.in) or the Xpertserve mobile application (hereafter collectively
referred to as “Website”) and is committed to protecting your privacy and personal information. We understand that
you may be concerned about the collection, use, and disclosure of the personally identifiable information (“Personal
Information”) supplied by you during the course of usage of our Website and the services offered therein. This Privacy
Policy describes the information that we collect from you, how we collect this information, and what we do with it
after we collect it. By using the Website or by providing us your information, you agree to be bound by the practices
described in this Privacy Policy, and also give consent to the use of your Personal Information by Xpertserve in accordance
with the terms set out in this Privacy Policy. ‘Personal information’ for purposes of this Policy means information
that identifies you, such as your name, address, phone number or email address etc.If you have any questions or comments
regarding this Privacy Policy, please email us at xpertserveservices@gmail.com
This Privacy Policy is to be read with, and is an integral part of, our Terms of Use available at
https://Xpertserve.in/terms-conditions unless otherwise
defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms of Use.
1. THE APP AND CLIENTS
Company has developed and solely owns mobile personal finance software applications called “Xpertserve Agent” and ”Xpertserve Consultant”
(“App”, which expression shall include future releases of the App). Company makes the App available for download and use on
mobile phones to clients (“Clients”). Downloading and installing the App shall be deemed to constitute sufficient proof that
Clients have read, understood and accepted this Policy.
2. PERSONAL INFORMATION
“Personal Information” means the Transaction Information as defined in the Terms of Service and includes information that is
contained in text messages (that is, SMS) sent by providers of services and/or products (including but not limited to financial
institutions, mobile carriers and utility companies) to Clients’ mobile telephone number(s) in connection with one or more
transactions across multiple financial accounts (including purchase, payments, billing information and service notifications
related thereto). Without limitation, Transaction Information includes:
- Mobile phone numbers of Clients
- Email addresses of Clients
- Partial payment card data only to the extent such card data is disclosed in the said
messages
- Information related to the transaction in question including identity of the service or
product and the price or fee paid or payable in respect thereof.
3. PURPOSE OF COLLECTION AND USE OF PERSONAL INFORMATION
Company may collect, store, access and use Personal Information solely to the extent required for Company to enable Clients to
utilize the features of the App and to provide better user experience to Clients. Such use shall expressly include sharing the
Personal Information with Affiliates and Lenders.
4. USAGE OF GOOGLE ADVERTISING ID
- As per the terms of Google Play Services, the Company shall use the Google advertising ID when available on a device,
only for advertising and user analytics purposes. The Company may share this ID with advertising partners only for the
purpose of advertising.
- The Company shall not connect the advertising ID to any personally-identifiable information without the explicit consent
of Clients. The Company shall abide by reset and “Opt out of Interest-based Advertising” settings of Clients.
5. DATA USE AND PRIVACY
- Some functionality of the App may require the transmission of information provided by the
User including user names and passwords, mobile numbers, addresses, e-mail addresses,
financial information (such as credit card numbers) or GPS location (“User Information”).
- Please do not submit any personal information or data without first reading the Xpertserve
Privacy Policy which explains Xpertserve’s data use and privacy practices in detail. If the User
uses such App functionality, the User shall be deemed to have consented to the transmission
of User Information to Xpertserve, its agents and/or service providers and authorizes Xpertserve, its
agents and/or service providers to record, process and store such User Information as
necessary for the App functionality and for purposes described in the Xpertserve Privacy Policy.
- All information which User provides in connection with the App, Services or these Terms
shall be current, true, accurate, supportable and complete. User shall promptly notify Xpertserve
in writing of any changes to such information.
- The User is solely responsible for maintenance of the confidentiality and security of any
User Information transmitted from or stored on a device for purposes of the App, for all
transactions and other activities undertaken in the User’s name, whether authorized or
unauthorized.
- The User agrees to immediately notify Xpertserve of any unauthorized transactions associated with
the App or any other breach of security. To the extent possible under the law, Xpertserve shall
not be responsible for any losses arising out of the loss or theft of User Information
transmitted from or stored on a device or from unauthorized or fraudulent transactions
associated with the App
- As servers may be located in other jurisdictions your personal data and User Information may
be transferred to, stored, used and processed in a jurisdiction other than India. You
understand and consent to the transfer of personal data outside India.
6. LAW AND DATA PROTECTION
- Xpertserve can share your information with government agencies regulated under the law, without
obtaining your prior written or verbal consent, in order to receive information for the
purpose of verifying identity or detection, investigation, prevention including prosecution,
cyber incidents, punishment of offences etc, where disclosure is mandatory to comply with
any legal obligations. Any information can be needed to be disclosed with third party by
Xpertserve by any order as per the law for time being in force.
- Unsubscribe In case you are not interested to receive email announcements or other marketing
information from our end, then please email your request at info@Xpertserve.net. It may take us
about 10 days for processing your request.
7. PURPOSE OF USER DATA COLLECTION
- Xpertserve will collect your information and data when you register for an account or use its
services or products, visit the site pages or when you enter sweepstakes or promotions as
featured on website. On registering with this website, you may be asked for your first name,
last name, email address, state and city of residence, gender, and date of birth. You are
not anonymous to Xpertserve.net, once you register and sign at the website.
- You can be asked for your contact number at the time of registration and can be send SMS
notifications about the sit’s services to your wireless device. By registering with
Xpertserve.net, you authorize us to send you email and text alerts to you with your login details
and other service needs, along with promotional SMSs or emails.
- Your information is used to:
- Administer or carry out obligations of the site in relation to any agreement with our
business partners
- Process orders or applications submitted by you
- Respond to queries or requests submitted by you
- Resolve or anticipate problems with any Services supplied to you
- Send you details about special offers or promotions. We may inform you of new products or
features. These might be of a third-party offers or products, with which our website has a
tie-up or our own offers or products
- Send you , communications, alerts, notices relevant to your use of services or products
offered on Xpertserve
- Improve the website and services provided by Xpertserve.net. We are authorized to combine details
we receive from you with information you receive from third-parties
- Some features on this website or our services shall demand you to give personally
identifiable information as state by you under your account section at the website
- As otherwise mentioned in this Privacy Policy
8. SHARING OF PERSONAL INFORMATION WITH THIRD PARTIES
Company shall not publish, sell, give on rent, trade or otherwise transfer Personal Information
to third parties, except as may be required by law, or pursuant to the order of a court or
regulatory authority, or in order for Company to enforce its rights, or as expressly stated by
this Policy. In the event Company needs to share Personal Information with third parties,
Company shall enter into non-disclosure agreements or equivalent covenants that are, at the
least, as protective as the provisions of this Policy.
9. CHOICE
Company reasonably presumes that Clients who make available Personal Information to Company are
doing so out of their own volition. Company does not compel Clients to disclose Personal
Information. At any time, Clients may opt not to provide Personal Information by uninstalling
the App.
10. CORRECTNESS AND INTEGRITY OF PERSONAL INFORMATION
Company accesses Personal Information as aforesaid from SMS messages on an ‘as is’ basis.
Therefore, Company shall not be responsible in any way for the correctness, completeness and
integrity of any Personal Information collected hereunder.
11. SECURITY
Company shall take all reasonable precautions by way of using current industry standard
encryption technologies to protect Personal Information from loss, misuse and unauthorized
access, disclosure, alteration and destruction.
12. AUTHORISATION FOR CONTACT
By registering and/or using www.Xpertserve.net, you give authority to Xpertserve its affiliates,
partners, representatives etc to:
- Offer you Services for the product you have opted for
- To contact you via email or phone call or SMS
- Provide product knowledge
- Offer promotional offers running on Xpertserve offers by its associated third parties and
business partners
13. LIMIT OF LIABILITY
Notwithstanding anything to the contrary in this Policy or any other terms of service or use
applicable as between Company and Clients, Company’s aggregate liability hereunder shall be
limited to Rs.1000/- (Rupees One Thousand Only) and shall not extend to any indirect or remote
damages whatsoever, including but not limited to special, incidental, consequential, or punitive
damages or loss of profits.
14. ENFORCEMENT
For any inquiries and complaints, the following email address may be used: Xpertserve@Xpertserve.in. All
inquiries and complaints shall be looked into promptly and without charging any fee to the
inquirer / complainant.
15. COMPLIANCE
Company shall always cooperate with regulatory authorities and investigating agencies in India
in the matter of treatment of Personal Information.
16. AMENDMENTS
Company may modify this Policy in its sole discretion at any time. While Company shall make best
efforts to notify Clients of any such modification, it shall be Clients’ responsibility to read
and understand the Policy as prevalent from time to time. Installation of the App shall be
deemed to constitute acceptance of the Policy as amended.
17. DND
By registering your phone number on Xpertserve.in, you expressly authorize us to override the
national Do-Not-Disturb Registry (DND) i.e. – even if your registered phone number falls under
DND list of National Consumer Preference Registry (NCPR/NDNC), you voluntarily allow us the
authority to call, sms about its products, services and promotional offers. You also accept &
agree to our Privacy Policy.
18. DISCLOSURE OF INFORMATION TO THIRD PARTIES
- Disclosure to Successors: We may disclose your Personal Information to any
successor-in-interest of ours, such as a company that acquires us. In the event Xpertserve goes
through a business transition, such as a merger or acquisition by or with another company,
or sale of all or a portion of our assets, we reserve the right to transfer or share any
information we have about you with such entity and the use of the information thus shared
shall be governed by the Privacy Policy of that entity. You will be notified via email or by
a notice on our Website of any such change in ownership or control of your Personal
Information.
- Disclosure to Third Party Service Providers and Online Partners: We may contract with
various third parties who help us provide, maintain and improve the Website and Xpertserve
Services. For example, we use a third party to process payments made to us, and may
subcontract out production, fulfillment, analytics, reporting or other operations. We also
contract with several online partners to help us manage, monitor and optimize our Website
and the Xpertserve Services and to measure the effectiveness of our advertising, communications
and customer/visitor behavior. We use commercially reasonable efforts to prevent such third
parties from disclosing your Personal Information, except for the purpose of providing the
services in question. We cannot guarantee that such third parties will not disclose your
Personal Information.
- Disclosure of Non-Personal Information: We will disclose Non-Personal Information, in
aggregate form, to potential strategic partners, advertisers, investors, customers, and
others. You may not opt-out of the sharing of this information. However, such non-personal
information cannot be easily used to identify you personally.
- Internet Advertising: We may use third party service providers to serve ads on our behalf
across the Internet and sometimes on the Website. They may collect anonymous information
about your visits to our Website, and your interaction with our products and services. They
may also use information about your visits to this and other websites to target
advertisements for goods and services. This anonymous information is collected through the
use of a web beacon, which is industry standard technology used by most major websites.
- Disclosure to Credit Rating Agencies: To make an improvement in its business and service
quality, Xpertserve may share the personal information of a user with Credit Rating Agencies or
as may be directed by any government regulatory/ statutory authority.
19. DATA COLLECTED BY THIRD PARTIES AND THIRD PARTY ADVERTISING
- Xpertserve may use third party service provider for serving ads on our behalf over the internet
and perhaps on the site as well. They can collect anonymous information regarding your
visits to website and interaction with our services and products. They can also utilize
details about your visits to our website or other sites for targeted advertisements of
services and goods. This anonymous data is taken from use of pixel tag that is industry
standard technology utilized by many major websites. None information that is personally
identifiable is used or gathered in this process.
- There may be other sites or affiliates linked to Xpertserve.net. Any personal details you provide
to these websites or affiliates are not our property. Such affiliated sites can gave
different practises for privacy, and terms and condition, and thus we encourage you to be
updated with their privacy policies and other terms when you visit them. There a number of
services and products such as loan and credit card by third parties on our website, like
lenders, credit card issuers, banks and others.
- Such companies can utilize information (excluding address, email address, name and/or
telephone number) regarding your visits to the website for offering advertisements on the
site or other third party websites relevant to goods and services which may or may not
interest you. If you choose to apply for products and/or services separately or disclose
details to such providers, then utilization of your details is governed by their Privacy
Policies.
20. PROTECTION OF PERSONAL INFORMATION
- Personal Information: Whenever we obtain your Personal Information, we use security policies
and procedures to protect it from unauthorized access or disclosure. To make sure your
personal information is secure, we communicate our privacy and security guidelines to our
employees and strictly enforce privacy safeguards within the company. However, we cannot
provide any absolute guarantee of the security of your Personal Information. Accordingly, we
assume no liability for any disclosure of data due to errors in transmission, unauthorized
third party access or other acts of third parties, or acts or omissions beyond our
reasonable control.
- Website Content: The content that you store, post, or transmit on or through the Website,
may be accessed by other users, including people that you do not know. We are not
responsible for the actions of others. Therefore, you should use care in communicating with
other users and only disclose your Personal Information to other users that you know to be
trustworthy. You are responsible for maintaining the confidentiality of your account
information and we recommend you to choose your password carefully, and keep your password
and computer secure by signing out after using our services.
21. REVIEWING AND CHANGING YOUR PERSONAL INFORMATION
- You can obtain a copy of your personal information and request that we correct errors if
any, in the same by sending us an email at xpertserveservices@gmail.com. For your protection,
you will be required to provide proof of your identity to obtain a copy of your personal
information. You may also opt out of receiving promotional communications from Xpertserve or
opt-out of sharing your personal information with third parties by emailing us about the
same.
- If your personal information changes or if you no longer want to use Xpertserve Services, you may
correct, update or deactivate your personal information and/or your account through the
account management screen. If you would like us to deactivate or terminate your account you
can also contact us at xpertserveservices@gmail.com.
- In case of cancellation or deletion of your account, kindly note that certain personal
information may be retained by us, wherever required or authorized by applicable law. Please
remember any content that has been shared by you or submitted to any third party link
provided via the Services may continue to be available to third parties.
- Tell-A-Friend: If you choose to use our referral service to tell a friend about the Website
or the Xpertserve Services, we may ask you for your friend’s name, phone number and email
address. We will automatically send your friend a message inviting him or her to visit the
Website. We store this information for the sole purpose of sending this message and tracking
the success of our referral program.
- Internet-based Transfers Given that the Internet is a global environment, using the Internet
to collect and process Personal Information necessarily involves the transmission of data on
an international basis. By providing Xpertserve with your Personal Information you acknowledge
and agree that we may store your Personal Information and transfer it to and from our
servers. We endeavor to protect all Personal Information collected through the Website in a
safe, confidential and secure manner.
22. CHILDREN’S PRIVACY
- Xpertserve Services are intended for users ages 18 and older only. Accordingly, we will not
knowingly collect or use any Personal Information from individuals that we know to be under
the age of 18. In addition, we will delete any information in our database that we know
originates from an individual under the age of 18.
23. COOKIE POLICY
- If enabled, we may place cookies on your machine that store small amounts of data on your
computer about your visit to any of the pages of our Website. Cookies are small electronic
files that collect information when someone visits a website. They can identify the pages
that are being viewed and this can assist us in tracking which of our features appeal the
most to you and what content you may have viewed on past visits. Some cookies only exist
whilst viewers are online, but ‘persistent’ cookies are not session-based and remain on the
viewer’s computer. When you visit this Website again, ‘persistent’ cookies can enable us to
customize our content according to your preferences.
- Technologies such as: cookies, beacons, tags and scripts are used by us and our partners
like banking and financial entities, affiliates, or analytics or service providers use
technologies such as google Ad sense, google analytics etc. These technologies are used in
analysing trends, administering the Website, tracking users’ movements around the Website
and to gather demographic information about our user base as a whole. We may receive reports
based on the use of these technologies by these companies on an individual as well as
aggregated basis.
- Xpertserve is not responsible for cookies placed in the device of user/s by any other website and
information collected thereto.
24. TESTIMONIALS, BLOGS AND OTHER FORUMS ON Xpertserve WEBSITE
- With your consent Xpertserve may post your testimonial along with your name. If you want your
testimonial removed please contact Xpertserve at xpertserveservices@gmail.com.
- If you use a blog or other public forum on Website, any information you submit there can be
read, collected or used by other users and could be used to send you unsolicited messages.
Xpertserve is not responsible for the Personal Information you choose to submit in these forums.
25. CONFIDENTIALITY
- Information Sharing and Disclosure We do not rent of sell your information to anyone, but
only as per directions in the Privacy Policy. We can share the information with business
partner and/or affiliate. Xpertserve can also sell share and/or transfer personally identifiable
information with successors-in-interest given a sale of any part of the company’s business
or on reorganization, consolidation, merger of Xpertserveto another entity on grounds that we are
not the surviving entity.
- We can use third party service providers for providing you our services. We can ensure such
parties to maintain confidentiality of information provided to them as per stated in our
contracts. Access to your personal identifiable details and account information are
restricted strictly and to be utilized in accordance to specific internal processes for
operation, development or improvement of our services.
- We limit use and collection of your personal information, but may make aggregate or
anonymous personal information or/and disclose these data only in manner that is
non-personally identifiable. The data will not identify you individually.
26. CYBER SECURITY
Xpertserve can employ appropriate organizational or technical security measures at any time in order
to safeguard information collected from you. We can use multiple electronic, physical security
and procedural measures to protect against unlawful or unauthorized alteration or use of
details, and against any destruction, damage, or accidental loss, to information. No method of
electronic storage or transmission on the internet, however, is hundred percent secure. Thus, we
cannot guarantee an absolute security. You are also responsible to maintain security and
confidentiality of your password and login id, as we will not give these credentials with
unrelated third parties.
27. LOG FILES
Xpertserve uses log files, in which the details can include browser type, internet protocol (IP),
referring/exit pages, date/stamp, platform type, internet service provider (ISP), number of
clicks to analyze trends, track user’s movement in aggregate, administer the site, and collect
broad demographic data for aggregate use. We can do this to improve our offered services or
improve marketing, site functionality or analytics. We may collate these automatically from
collected log information with other details we collect from or about you.
28. CHANGES IN PRIVACY POLICY
Xpertserve does reserve the right to change or update its Privacy Policy or any other policy, terms
and conditions from time to time as per its sole discretion. We can alter the conditions and
statements to reflect any changes in our information practices. To stay updated, we encourage
you to review the Privacy Policy periodically.
29. HOW TO CONTACT Xpertserve
For more information about our Privacy Policy or any comments related to our Services, please contact
us by email at xpertserveservices@gmail.com or write to
us at: Xpertserve, Office No : 205, Workbox Building, Railway Road, Nit 5, Near Capital Hyundia Showroom, Faridabad Haryana 121001
30. GRIEVANCE OFFICER
In the event you have any grievance regarding anything related to this Privacy Policy, Terms of Use or
Disclaimer Statement, or with any content or any service by website, in that case you may freely write
your concerns to the Grievance Officer through your registered email with digital signature to
Email: xpertserveservices@gmail.com
Phone number: 9873596789.
If you have suggestions, concerns or questions regarding our Privacy
Policy, you can reach us using the contact information at Xpertserve.in.