Privacy policy

This Document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms of Use for using, browsing, accessing billfoldify.com

WE WANT YOU TO:

• Feel comfortable using billfoldify.com


• Feel reasonably secure submitting information to us


• Contact us with your questions or concerns about privacy relating to billfoldify.com


• By accessing, regist ering, browsing, using billfoldify.com you consent to the collection of certain data

WHAT INFORMATION IS, OR MAY BE, COLLECTED FROM YOU?

We will automatically receive and collect certain anonymous information in standard usage logs through our Web server, including computer-identification information obtained from "cookies," sent to your browser from a

• Web server cookie stored on your hard drive


• An IP address, assigned to the computer which you use


• The domain server through which you access our service


• The type of computer you're using


• The type of web browser you're using


• The device id’s and other details

We may collect the following sensitive personal data or information (SPDI) about you:

• Your email id


• Your name

We may also collect the following information:

• About the pages you visit / access


• The links you click on billfoldify.com


• The number of times you access a page on billfoldify.com


• You must keep usernames and passwords safe to ensure that only you can use the App. You agree that usernames and passwords are issued for individual users only and that you must not share this information with anyone else.

WHO COLLECTS THE INFORMATION

Some of your personal data or information may be collected, received, possessed, stored, dealt with or handled by:




We will collect anonymous traffic information from you when you browse, access, register, use billfoldify.com

We may collect sensitive personal data or identifiable information about you only as a part of a voluntary registration process.

HOW IS THE INFORMATION USED?

We use your sensitive personal information to:

• Help us provide personalized features


• Tailor billfoldify.com to your interest


• To provide the services requested by you


• To preserve social history as governed by existing law or policy


• To perform KYC verification as per SEBI Investment Advisor Guidelines


• To provide financial planning services

PURPOSE OF COLLECTION

billfoldify.com uses your Sensitive Personal Data or Information (SPDI), Personal Data for the following purpose:

TYPE OF PERSONAL DATA COLLECTED FROM USER	PURPOSE OF COLLECTION
your email address	To recognize you as a legitimate user of billfoldify.com, enable access to the billfoldify services

We use contact information internally to:

• Direct our efforts for improvement

Generally, we use anonymous traffic information to:

• Remind us of who you are in order to deliver to you a better and more personalized service;


• Recognize your access privileges to billfoldify.com


• Track your session so that we can understand better how people use billfoldify.com

TYPE OF SENSITIVE PERSONAL DATA OR INFORMATION (SPDI), PERSONAL DATA	THIRD PARTIES
Email id, phone number	Email notifications and alerts on the seminars or events you may be interested in or have registered to attend.

DISCLOSURE POLICY IN COMPLIANCE WITH RULE 6 OF THE IT RULES 2011

• We shall share the sensitive personal data or information of the user with third-party service providers, users, and authorised staff of Rhombus Technologies Pte. Ltd. where necessary to provide and support the service.


• The sensitive personal data or information may be disclosed to any person, if such disclosure is required for a lawful purpose connected with a function or activity of billfoldify.com.


• The sensitive personal data or information may be disclosed, where the disclosure is necessary for compliance of a legal obligation.

We do not rent, sell, publish or share your sensitive personal data and we will not disclose any of your personally identifiable information unless:

• We have your permission


• To help investigate, prevent or take action regarding unlawful and illegal activities, suspected fraud, including cyber incidents, potential threats to the safety or security of any person, violations of Rhombus Technologies Pte. Ltd.’s terms of use, or to defend against legal claims;


• Special circumstances such as compliance with subpoenas, court orders, requests/order from legal authorities or law enforcement agencies requiring such disclosure

WHAT CHOICES ARE AVAILABLE TO YOU REGARDING COLLECTION, USE AND DISTRIBUTION OF YOUR INFORMATION?

Sharing your sensitive personal identifiable information is entirely voluntary. You need not register with us in order to use billfoldify.com . However, in order to use services and features of billfoldify.com , you shall be required to register on billfoldify.com

ACCOUNT AND PERSONAL DATA DELETION

You may request deletion at any time, regardless of subscription status, from Settings > Delete account in the BillFoldify App or through the email request pathway on our account deletion page.

• After you confirm the request in the App, BillFoldify immediately blocks access to account data and revokes active sessions. During the retention period, a verified primary account holder who signs in is restricted to reactivating the account or keeping deletion scheduled and signing out.
• Before permanent deletion begins, selecting Reactivate account cancels the pending deletion and restores account access. Once purging or permanent deletion has begun, the request cannot be reversed and the account cannot be restored.
• BillFoldify permanently deletes the profile, authentication identity, financial accounts, transactions, budgets, categories, goals, recurring payments, family records, tags, invoices, uploaded documents, extraction files, bank statements, and other account-owned content within 90 days.
• During that period, the data is inaccessible and is retained only to complete secure deletion, comply with law, prevent fraud, resolve disputes, and protect the service.
• After deletion, BillFoldify may retain a non-identifying audit record of the request and its completion. Information required by law may be retained for the applicable legal period.
• Encrypted backup copies remain only until they expire under our normal backup lifecycle. A deleted account will not be restored into the active service from a backup.

For deletion support, contact reachus@billfoldify.com. Do not email passwords, verification codes, financial records, or identity documents.

WHAT SECURITY PROCEDURES ARE IN PLACE TO PROTECT INFORMATION FROM LOSS, MISUSE OR ALTERATION?

ATo protect against the loss, misuse and alteration of the information under our control, and to comply with Rule 8 of IT Rules, 2011 (Reasonable security practices and procedures and sensitive personal data or information), we have in place appropriate physical, electronic, technical, operational and managerial procedures.

Although we will endeavour to safeguard the confidentiality of your sensitive personal identifiable information, transmissions made by means of the Internet cannot be made absolutely secure. By browsing, accessing, using billfoldify.com in whatsoever manner, you agree that we shall have no liability for disclosure of your information due to errors in transmission or unauthorized acts of third parties including any cyber-attacks.

USE OF COOKIES

In the context of the online services provided through billfoldify.com we may make use of cookies to better the user experience. Cookies are small text files that may be stored on your device while visiting billfoldify.com In particular, we plan to use billfoldify.com by capturing the device data, bandwidth usage, time & place of usage of the user.

HOW CAN YOU CORRECT INACCURACIES IN THE INFORMATION?

To correct or update any information you have provided during registration, you can update or correct the inaccuracies therein through your registered account. However, you shall be responsible for informing us the same.

In the event of loss of access details, you may

• Send an e-mail to reachus@billfoldify.com

NO CONTRACTUAL OBLIGATION

Please note that this Privacy Policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.

DISCLAIMER

• We shall not be liable for any loss or damage sustained by reason of any disclosure (inadvertent or otherwise) of any information concerning the user’s account and / or information Any other personal and sensitive Personal Data shared by you which is not asked by us during registration, either mandatorily or optionally; accounts to wilful and intentional furnishing; and we will not be liable for breach of such information.


• We have taken appropriate steps for the security and protection of all our digital platforms including internal applications, however, we shall not be responsible for any breach of security or the disclosure of personal data for reasons outside our control, such as hacking, social engineering, cyber terrorism, espionage by third parties, or any events by way of force majeure such as sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war or acts of government.

INTELLECTUAL PROPERTY RIGHTS

Please note that we retain all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all data provided on or via this web site/applications (including all texts, graphics and logos).

POLICY UPDATES

We reserve the right to change or update this policy at any time by placing a prominent notice on billfoldify.com. Such changes shall be effective immediately upon posting the same on billfoldify.com