Privacy Policy

1. Information We Collect

Website Information

When you visit our website or fill out contact forms, we collect:

• Name, email address, phone number
• Business information (for merchant inquiries)
• Message content and inquiry details
• Website usage analytics and cookies
• Device information and IP address

Mobile App Information

When you download and use the FaydaMX app, we collect:

• Mobile phone number (for registration and login)
• Profile information (name, age, preferences)
• Location data (with your permission)
• Transaction history and purchase patterns
• Loyalty points and rewards data
• Device information and app usage analytics

WhatsApp Communications

When you interact with us via WhatsApp Business:

• Your WhatsApp number and profile information
• Message content and conversation history
• Delivery and read receipts
• Media files you share (images, documents)

Voice and IVR Data

For our Interactive Voice Response (IVR) services:

• Call recordings (with your consent)
• Voice commands and responses
• Call duration, frequency, and timing
• Technical call data (caller ID, network information)

2. How We Use Your Information

We use your information for the following purposes:

• Service Delivery: To provide FaydaMX app services, loyalty rewards, and customer support
• Account Management: To create and manage your account, process transactions
• Communications: To send updates, promotions, and support via WhatsApp, SMS, calls, and email
• Personalization: To customize your experience and recommend relevant offers
• Analytics: To improve our services and understand user behavior
• Compliance: To meet legal and regulatory requirements
• Security: To protect against fraud and unauthorized access
• Marketing: To send promotional offers and business communications (with consent)

3. Information Sharing

We may share your information with:

• Merchant Partners: To process transactions, provide rewards, and enable local commerce
• Service Providers: Third-party companies that help us operate our services (payment processors, analytics providers)
• Legal Authorities: When required by law or to protect our rights and safety
• Business Transfers: In case of merger, acquisition, or sale of assets
• With Your Consent: When you explicitly agree to share information

We never sell your personal information to third parties for marketing purposes.

4. WhatsApp Business Communications

Consent and Opt-in

We only send WhatsApp messages after obtaining your explicit consent. You can:

• Opt-in to receive promotional and transactional messages
• Opt-out at any time by replying "STOP" to any message
• Manage your preferences in your account settings
• Block our WhatsApp Business number if desired

Message Types

We may send you:

• Transaction confirmations and receipts
• Loyalty rewards and coin balance notifications
• Promotional offers from partner merchants
• Service updates and announcements
• Customer support responses
• Account security alerts

Data Processing

WhatsApp messages are processed in compliance with WhatsApp's Business Policy and Indian data protection laws. We maintain conversation history to provide better customer service.

5. IVR and Voice Services

Call Recording

We may record calls for:

• Quality assurance and training purposes
• Customer service improvement
• Dispute resolution and complaint handling
• Compliance with regulatory requirements
• Fraud prevention and security

You will be notified before recording begins and can request not to be recorded.

Voice Data Storage

Call recordings are stored securely and retained only as long as necessary for stated purposes, typically no longer than 2 years unless required by law.

IVR Services

Our IVR system provides:

• Account balance and transaction inquiries
• Loyalty point status and redemption assistance
• Merchant information and store locations
• Customer support routing and assistance
• Service status updates and notifications

6. Mobile App Data Collection

Registration Process

When you download and register for FaydaMX:

• Mobile number verification through OTP
• Basic profile creation (name, location preferences)
• Device permissions (location, notifications, camera for QR scanning)
• Terms acceptance and privacy consent

App Usage Data

We collect data to improve app functionality:

• Feature usage patterns and preferences
• Transaction history and spending patterns
• Store visit frequency and location data
• App performance metrics and crash reports
• Push notification interactions

Location Services

With your permission, we use location data to:

• Show nearby partner stores and offers
• Verify in-store transactions for rewards
• Provide location-based promotional content
• Improve service recommendations

7. Data Security

We implement comprehensive security measures including:

• End-to-end encryption for sensitive communications
• Secure data storage with access controls and monitoring
• Regular security audits and vulnerability assessments
• Employee training on data protection and privacy
• Compliance with industry security standards and best practices
• Multi-factor authentication for account access
• Secure API endpoints and data transmission

8. Your Rights

Under Indian data protection laws and our privacy commitment, you have the right to:

• Access: Request a copy of your personal data we hold
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data (subject to legal requirements)
• Portability: Receive your data in a structured, machine-readable format
• Opt-out: Unsubscribe from marketing communications at any time
• Grievance: File complaints about our data processing practices
• Consent Withdrawal: Withdraw consent for data processing (may limit service functionality)