PRIVACY POLICY

The Company respects the privacy of the users of the mBill Smart Billing App Services and is committed to reasonably protect it in all respects. The information about the user as collected by the Company is: (a) information supplied by users and (b) information automatically tracked while using a mobile device having mBill Smart Billing App enabled (collectively referred to as Information).

Usage Details

mBill will employ smart analytics on the website/app to understand your usage pattern and obtain details like time, frequency, duration, features used etc. This is only to consistently upgrade your user experience of the website/app.

Details of Your Account

All your data is stored in a cloud storage system, with a backup in a third-party location, in order to prevent data loss that may occur due to system errors. Even in case of termination of your user account, your files and data will remain on our servers. However, your data will still remain secure and will not be shared with anyone and will not be accessible even to the mBill team (excluding the circumstances as mentioned in this document).

Visitor Details

We use certain details of our website visitors. This is done only to analyse trends, track visitor’s movements and to define scope of improvement for our website. Such details may include IP address, browser language, browser type, files accessed, operating system, etc.

Cookies & Widgets

We may employ a third party to analyse data about our website content and user base to improve our website functionality and offerings. To serve the purpose, such third party may employ use of cookies. Such third-party cookies are not related to your personal information and mBill does not have access to these cookies and is not responsible for them. mBill supports third party widgets on the website. Such widgets do not collect or keep any information from users.

Links on Our Websites

Our website may contain certain external links which will navigate you to other websites. Please read the privacy policy of such websites before providing any personal details.

Sharing Information

To provide efficient services, we may need to disclose your personal details to our business partners. mBill undertakes that all our business partners will comply with this Privacy Policy and take adequate measures to maintain confidentiality of your information and not misuse it. Also, we shall share your personal information to any person outside mBill, only after obtaining your consent. If law obligates us to disclose your information to the local law enforcement authorities due to legal concerns, mBill shall share your information in such case.

Receiving Information

Users can opt out from receiving mails and other updates like email notifications of new services, releases, upcoming events, newsletter, messages etc.

Information Updation

Users can access their details and may edit any such information either by accessing their account or by contacting mBill Customer Support Services.

Social Platforms

Users can post information in blogs and forums for sharing information on the mBill website. Such information is available to all users of these forums. Hence, users are encouraged to be cautious in disclosing their details on such platforms. mBill is not responsible for any such confidential or personal information disclosed by the visitors/users. mBill is not responsible for any personal information that its users elect to post in their testimonials on our website or otherwise.

Communications

When you use the platform or send emails or other data, information or communication to us, You agree and understand that You are communicating with Us through electronic records and You consent to receive communications via electronic records from Us periodically and as and when required. We may communicate with you by email or by such other mode of communication, electronic or otherwise. Irrespective of your DND status, PredictiVu Private Limited will be making calls and sending SMSs to you using third party vendor services.

Iinformation Collected

To avail certain services on the mBill Smart Billing App, users are required to provide access to your phone’s SMS inbox records, location, browsing history, contact list, device ID, device name, device model and any other such information as required. The Information as supplied by the users enables us to improve the mBill Smart Billing App and provide you the best app experience. All required information is service dependent and the Company may use the above said user Information to maintain, protect, and improve the mBill Smart Billing App Services and for developing new services.

Personal Information

mBill Smart Billing App does not explicitly ask for any kind of personally identifiable information such as Name, Email address, Contacts or Phone number etc. at the time of installation. However, such information could be made available to us at time of registration either (1) explicitly by you for the purpose of contacting the company or (2) in process of using third party services such as Google Drive for backup and/or Google play store for subscription payment. Any personally identifiable information made available to the App will not be considered as sensitive if it is freely available and/or accessible in the public domain. Further, any reviews, comments, messages, blogs posted/uploaded/conveyed/communicated by users on the public sections of the Site or an Application Store (like the App Store or Play Store) becomes published content and is not considered personally identifiable information subject to this Privacy Policy. We will not be liable and or responsible for the denial of certain services to you for lack of you providing the necessary personal information. Further if the personal contact information is made available to the company, we may contact you from time to time about any topic that we believe may benefit/interest you.

SMS Inbox Information

For the purpose of providing expense tracking service and personalized services, App reads the text messages (SMS) sent by providers of services and/or products including but not limited to Credit or Debit Card Issuing Institutes, Banks, mobile carriers, utility companies & retail outlets. No personal SMS are read by the App. Your explicit consent is taken before reading SMS Inbox of the mobile device at the time of installing the App. Any SMSes reported by users to the company are also used to train our engine in order to improve the App services. The collection of such information is only limited to the extent that such data is available in the relevant messages. mBill Smart Billing App may also record the identity of the product or service and the price or fee paid or payable in respect thereof.

Location Information

Data which reveals the geographic location of you and your mobile device, where you have given us your consent to collect such information. When you first download the Application, you will be asked if you agree to your location information being disclosed to us. If you consent, then we may collect and transmit this information on a semi-continuous and passive basis, which does not require any further activation on your part. If you wish at any stage to turn off this passive location tracking, you will need to uninstall the Application.

Online browsing

This includes the sites you visit and apps you use, including news sites/apps, e-commerce or social networks, and your interactions with them.

Online activities

This includes the search terms you enter and the results of such searches, the videos and ads you view, the products you shop for online, information you enter into forms, the materials you download or upload, the advertisements you see, cookies on websites you visit, information and content on sites or apps that you visit or use and with which you interact and may include personal, financial and health information .

System information

This includes information about the device and browser that you are running on, including the IP address and phone number of the device, how the Application is operating, and which other applications are installed or running.

Mobile Usage Information

which refers to information about your use of your mobile device which we are able to collect if you have downloaded and installed one of our Applications/VPN profiles on your device. Please note this information is collected and transmitted to us ‘in the background’ and does not require any further activation on your part. We call this ‘passive tracking’.

This can include the following types of information:

  • Information about your internet browsing habits – how much time you spend browsing the internet on your mobile device or computer, the sites you visit or apps you use, and the terms of any search you carry out.
  • Information about your usage of other apps and features (such as the camera, though we do not collect any photos) on your mobile device, including the identity of the apps and features, when you downloaded them, how often you use them and for how long.
  • Information about the type of mobile device you own, when and for how long you charge it, its battery status, whether it is switched on, off or in a stand-by or ‘Airplane’ mode.
  • Information about which mobile network you use, which wi-fi networks you connect to, and at what times.
  • Information about the volume of data downloaded to your mobile device, the times that you download that data and the method of connection you use (wi-fi or mobile network).
  • Information we can deduce from combining the above information – e.g., what apps you were using just before you searched for particular information using your mobile device’s internet browser, or how often you call, email or text a particular contact, or the geographic location in which you are most likely to charge your device, make a telephone call, or download an app.
Other Information

In addition, the Application may collect (either directly or through third party integrated services such as Google Analytics, Facebook android SDK etc.) certain information automatically, including, but not limited to, the mobile device model, device name, device’s serial number or unique identification number (e.g. Android ID or ADID on your Android Device), device operating system & version etc. and information about the way you use the Application. This information is only used to improve the Application & the service.

Data Retention, Managing Information

Your data may be retained for a reasonable time as necessary for providing you the required services or your explicit request to delete the data, whichever is earlier.

It is at all times possible to uninstall the Tracker or to change the settings on your Device so that no new Details are collected. mBill smart Billing App is then still authorised to use your personal details, but will delete them immediately at your request.

Data Security

We take appropriate security measures to protect against unauthorized access, alteration, disclosure or destruction of data. These include physical, electronic, and procedural safeguards to protect information we process and maintain. Please be aware that, we endeavor to provide reasonable anonymity & security to information we process, store, maintain and transmit on best effort basis. Access to our servers is password-protected and is strictly limited.

We are committed to protecting the privacy and confidentiality of the information shared by users at the time of registration and user’s personal information accessed by mBill smart billing app in accordance with applicable laws. We do not share your personal information with any third-party except in accordance with the agreement. All user information collected is used for research purposes only.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

We shall make reasonable efforts to assist the Data Controller in fulfilling their obligation under GDPR Article 33 or other applicable law or regulation to notify the relevant supervisory authority and data subjects about such Security Incident. Note that, no money can be moved through this App. This means that even though you can view accounts, analyze expenses and transactions, you or the App cannot transfer money from one account to another.

How We Collect the Information

We use different methods to collect data from and about you. We have set out below further detail on exactly how data is collected from you when using the Application.

The Application collects ‘clickstream data’ and may also gather diary/survey data if configured. Clickstream data is information generated by you and your device while surfing the Internet and interacting with various sites, services and device functions.

Additional Disclosure of Your Information

In the event We go through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your information may be among the assets transferred.

We also reserve the right to disclose your information as required by law, court order, or legal process served on us, when we believe that disclosure is necessary to protect our rights, or to combat suspected fraudulent activities.

Application Removal

You can opt-out of this Program at any time by removing the Application from your device.

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