Privacy & Security Policy
https://kissht.com and its Android and iOS apps are owned and operated by OnEMI Technology Solutions Pvt Ltd , hereinafter referred to as 'Kissht' or 'https://kissht.com' interchangeably. Kissht is committed to maintaining the confidentiality, integrity and security of all the personal information of our users. This Privacy & Security Policy explains how we protect personal information provided through our websites such as https://kissht.com and our Android and iOS apps and how we use that information in connection with our service offered through the Site (the "Service").
"Personal Information" for purposes of this Policy means information that identifies you, such as your name, address, phone number or email address. By providing your number at https://kissht.com you are authorizing Kissht & its representatives to give you a call to offer you our services for the product you have opted for, imparting product knowledge, offering promotional offers running on website. Irrespective of the fact that you have registered yourself under DND or DNC service, you are still authorizing us, our representatives & our partners to communicate with you for the above mentioned purposes. There is no DNC check required a number you enter while using Kissht services.
To register with us you must be 18 years of age or older and Indian residents. Minors are strictly forbidden from using the service.
1. How Kissht collects information?
1.1 Information provided by you with Kissht
If you intend to open a loan account with Kissht, you would be required to provide details like your name, E-mail address, Mailing address, Mobile number, PAN number, employment & income details and other such information which may be needed to assess your creditworthiness. In order to provide your bank statements or pay-slips electronically/physically along with your loan application, you also must provide your third-party account credentials ("Account Credentials") to allow https://kissht.com to retrieve your account data ("Account Information") from those financial institutions. Your Account Credentials are only used once to retrieve your bank statements/pay-slips and are not stored in our system.
Such information does not identify you individually. Access to your Registration Information, Account Information, and any other Personal Information you provide is strictly restricted and used only in accordance with specific internal procedures and safeguards governing access, in order to operate, develop or improve the Service. We may also use third party service providers to help us provide the Service to you, such as sending e-mail messages or SMS on our behalf or hosting and operating a particular feature or functionality of the Service. We require such third parties to maintain the confidentiality of the information we provide to them. If you telephone us we may also record and/or monitor calls for quality checks and staff training. Such recordings may also be used to help us combat fraud.
In order to provide seamless approval and determine instant creditworthiness of customers, we explicitly request for certain permissions after users complete the signup process:
We don’t collect, read or store your personal SMS from your inbox. We collect and monitor only financial SMS sent by 6-digit alphanumeric senders to see your transaction behaviour, monthly income and expenses across all your linked accounts and financial service providers. While using the app, we use secure APIs to intermittently access such financial SMS information to our server.
The information we collect from your device includes the hardware model, build model, RAM, storage; unique device identifiers like Advertising ID; SIM information that includes network operator, WIFI information and mobile network information to uniquely identify the devices and prevent multiple applicants accessing your device to apply for loan offers.
We collect a list of the installed applications’ metadata information, including package name, installed time, updated time, version name to check the usage patterns and each installed application on your device to assess your credit worthiness and enrich your profile with pre-approved customized loan offers.
We require camera access to take selfie, scan and capture the required KYC documents thereby allowing us to auto-fill relevant fields.
We require storage permission so that your KYC and other relevant documents can be securely downloaded and saved on your phone. You can then easily upload the correct KYC related documents for faster loan application details and speedy approval.
1.2 Information that Kissht collects from your activities
Your information would get collected when you visit Kissht website or mobile apps using your phone or computer. This information may include your IP address, contact details, transactional messages from other vendors, device information including but not limited to identifier, name and type, operating system, location.
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 this website. Cookies 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.
1.4 Information sharing with Third parties
We may use third-party advertising companies and/or ad agencies to serve ads when you visit our website. These companies may use information (excluding your name, address, email address, or telephone number) about your visits to https://kissht.com in order to provide advertisements on this site and other sites about goods and services that may be of interest to you. If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of these external service providers before deciding to use their services. https://kissht.com is not responsible for their privacy practices.
2. How Kissht protects your personal details?
2.1 We keep your data secure
We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect https://kissht.com accounts and systems from unauthorized access.
Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us. All backup drives and tapes also are encrypted. No employee may put any sensitive content on any unsecure machine (i.e., nothing can be taken from the database and put on an insecure laptop).
2.2 Encryption and secure communication
All communications between your computer and https://kissht.com that contain any personal information are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering, and message forgery.
2.3 Login id and password confidentiality
You are responsible for maintaining the security of your Login ID and Password, and may not provide these credentials to any third party. If you believe they have been stolen or been made known to others, you must contact us immediately at 022-62820570
3. How Kissht can utilize your information?
3.1 For improving Kissht Service
Kissht uses information provided by you to improve our services, contact you, conduct research, and provide anonymous reporting for clients.
3.2 To serve relevant marketing content to you
We may use your information for marketing and promotional purposes and for providing relevant offers online.
4. When you share information with Kissht
All other information shall be treated as non-confidential and non-proprietary and Kissht shall be under no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose, and distribute the information to others without limitation. Additionally, Kissht shall be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including, but not limited to, developing or marketing services incorporating such information.
There is no legal obligation to destruct the data from the server upon you closing the account or non-usage of our services from your end. The data will be retained securely on our server and shall help Kissht:
- To comply with legal duties and requirements, either statutory or regulatory;
- To avoid liability through "spoliation," the improper destruction or alteration of documents in a litigation situation;
- To support or oppose a position in an investigation or litigation;
- To protect from unnecessary expense and time during discovery;
- To maintain control over discovery and e-discovery, and
- To keep documents confidential and avoid leakage to attackers or competitors.
5. Links to Other Sites
6. Contact Kissht
In case of any grievance / review of information you may contact the grievance officer Mr. Raj Pandey on the coordinates provided below:
Address:Onemi Technology Solutions Private Limited
2nd Floor, Der Deutsche Parkz,
Subhash Nagar Rd, Nahur Station,
Nahur West, Industrial Area,
Bhandup West, Mumbai, Maharashtra 400078