Simply BPK Softwares Private Limited’s (“Bix42”,”MeraPaper”, “we” or “us”) having its registered address 4 Maa Vaishno Devi Nagar , Jhotwara, Jaipur – 302004 recognizes the need for appropriate protection and management of any information shared with the Company or on Bix42 Platform.
By using or accessing the Bix42 platform in any manner or opening an Account, it is acknowledged that the present Policy is accepted and it further consents that the Company will collect, use, disclose, share and transfer information and personal data including but not limited to sensitive Personal Information. This Policy is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder.
In the case in future it is felt that the Information or a part thereof as collected should not be used or should be deleted, consent granted in the present Policy can be withdrawn, by writing to the Company seeking to withdraw the consent so granted or deleting the Account, as the case may be. However, in case the consent for the Company to use the Information as provided in the present Policy is withdrawn, the Products and Services cannot be offered to the User by the Company.
These policies may be updated from time to time in the future. The User should agree to review our privacy policies regularly by visiting this page. Continued access to or use of the service will mean that the User agrees to the change.
When this privacy statement applies
Its liability to the User is limited to those who have downloaded the Bix42 application and logged in by clicking on the “I Agree/Login” button for Terms and Conditions or has explicitly consented to the policy on any other product/service page offered to the User
How is the information collected, used, disclosed, shared and stored
For the purpose of these Terms, the term “Non-Personal Information” shall mean information that does not specifically identify an individual but includes information from such as the type of internet browser used, mobile device used, computer or mobile device’s unique device ID, Internet Service Provider (ISP) and Internet Protocol (IP) address. The Company may also collect Non-Personal Information that is provided.
Personal and Non-Personal Information together is referred to as “Information”. The Company may collect Information when registration or opening of an Account happens on the Bix42 platform, when the features or the Products and Services are used, when the User shares the User content with the Company and when the User interacts with the customer care team including the details of the message or chats etc.
5. The Company collects information about the User’s use of the Bix42 platform and/or Products and Service, such as the features used, any activity carried out, the actions that are taken, the time, frequency and duration of the said activities.
6. The Company is required to collect information from and about the computers, tablets, phones and other web-connected devices used and the Company then combines this information across different devices that are used.
7. We are also offering Business Loans to our users in association with finbii.com. We are approaching users only if a user shows interest by clicking ‘Check Eligibility’ on ‘Business Loan’ Screen. We are only the channel to inform user about the loan. We are not the lender of any kind of loan but only facilitator. The loan service is provided by finbii.com and they are only responsible for Loan grant and user service related to Loans.
Information that the Company obtains from these devices includes:
a. Information including but not limited to the operating system, hardware and software versions, battery level, signal strength, available storage space, browser type, app and file names and types, and plugins, name of mobile operator or ISP, language, time zone, mobile phone number, IP address, connection speed and, in some cases, information about other devices that are nearby or on user network etc.
b. Information including but not limited to access to beacons and mobile phone masts, access to GPS location, network, camera or photos, data from cookies stored on user devices, storage space or disk on the device etc.
c. Location-related information – such as current location to provide, personalized and improved use of the Bix42 platform and/or Products and Services. Location-related information can be based on things such as precise device location, IP addresses etc.
Allows you to send your invoices and report PDFs to your customers.
Contacts (contacts.readonly) Allow users to use Contacts for adding parties (customers) on the accounting software.
How Bix42 stores and shares google user data
Bix42 does not store any Google user data. Whenever Bix42 fetches this data, it gets shown to the user while using the feature. The user chooses the data he wants to use for import and that gets used to create customers/vendors for him in the software. Bix42 will not store this data for any further use. Bix42 will also not share the user’s Google authentication data with anyone. Also, Bix42 will not store this data anywhere. We are also taking ratings and reviews from our users on Google Play Store for development and growth purposes.
Collection of device location and device information
We collect and monitor the information about the location of your device to provide serviceability of your loan application, to reduce the risk associated with your loan application and to provide pre-approved customised loan offers. This also helps us to verify the address, make a better credit risk decision and expedite know your customer (KYC) process. Information the App collects, and its usage depends on how you manage your privacy controls on your device. When you install the App, we store the information we collect with unique identifiers tied to the device you are using. We collect information from the device when you download and install the App and explicitly seek permissions from You to get the required information from the device. The information we collect from your device includes the hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify the devices and ensure that no unauthorized device acts on your behalf to prevent frauds
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 filling and disbursal process. This ensures that you are provided with a seamless experience while using the application.
We require the camera information permission to provide you with an easy/smooth experience and to enable you to click photos of your KYC documents along with other requisite documents and upload the same on the App during your loan application journey.
Collection of other non-personal information
How Bix42 uses user data
The Company may use the Information for:
1. Providing access to the Bix42 platform and/or use of the Products and Services.
2. Manage Account with the Company.
3. Authentication by using One Time Password received from the for the Purpose including but not limited to government authorities/good and service tax authority for authenticating/verifying the goods and service tax registration process, Bureau check or any other product/service availed by the user from time to time on Bix42.
4. Conduct general survey or analysis of Accounts or otherwise.
5. Develop, test and improve the Bix42 platform and/or Products and Services, testing and troubleshooting new products and features, removing any glitches including technical problems, improving the experience of navigating and carrying out transactions and improving the services and content, Products and Service on the Bix42 platform.
6. Based on Information, share sponsored content and show ads, including relating to third parties, that the Company thinks will be relevant.
Protection of information
The Company, on a best effort basis, shall attempt to take adequate measures to protect the security of Personal Information and to ensure that the choices for its intended use are honoured. The Company also takes adequate precautions, on a best effort basis, to protect data from loss, misuse, unauthorized access or disclosure, alteration or destruction.
The Company uses industry standards of physical, technical and administrative security measures to keep Information, on best effort basis, secure although is unequivocally understood and agreed that the same cannot be foolproof since no security system is impassable and the Company does not guarantee that the Information may be absolutely free from invasion.
Please note that e-mails, messaging and means of communication with the Company may not be encrypted, and therefore the Company advises not to communicate any confidential information through these means.
The Company is not responsible for any breach of security or for any actions or inactions of any Users or other third parties including but not limited to government authorities that receive Information.
The User is solely responsible for maintaining the confidentiality of its username and password. To ensure the safety of Personal Information, it is advised that the username and password should not be shared with anyone. The Company would not be liable or responsible for any breach of this covenant for any reason.
The Company would retain Personal Information only as long as the entity or User to whom the said Personal Information belongs has an active Account or as permitted/required by applicable law. Generally, Personal Information, upon deletion of a related Account, is also deleted unless the same is required to comply with any legal requirements, fraud prevention or assistance in any enquiry, for resolving disputes, to protect interests of the Company, to continue to develop and improve the Products and Services
Grievance redressal mechanism
In accordance with the Information Technology Act, 2000 and Rules made thereunder, the contact details for raising grievances or obtaining any further information or enquiry, if any are provided below:
Address: BPK Software Pvt Ltd. ( Bix42) , 4 Maa Vaishno Devi Nagar , Jhotwara, Jaipur – 302004.
Contact number:+91 8279216784