The information we collect varies depending on the type of activity you are performing and helps us provide you the products and services you request, personalise and improve your experience and allows us to provide you with opportunities to learn about products and services that may interest you. We may collect the following Personal Information from or about you:
Our Website or App collects certain information automatically about you and your use of our Website or App and services that does not necessarily personally identify you, your interactions with us and information regarding the device you use to access our Website or App (collectively “Other Information”). This information includes:
We may utilise location services on your mobile device to collect and use location data, including the real-time geographic location of your device. We may obtain the physical location of your device by using satellite, cell phone tower, WiFi, or other technologies or signals. The physical location is used to provide you with a variety of services such as personalised content and/or advertising. We may communicate with you based on your location, and when we do so, we do that through our App’s push notifications. We do not use your geo-location as a basis for sending you text or SMS messages. If you do not want to receive push notifications, you can disable that through your Maholla App Settings. We will collect precise real-time geolocation data only if you consent. You may opt out of using location services using your device’s functionality to do so, but this may degrade the features and functionality that we can provide. Separate from precise geo-location options, our App [constantly or when the App is being utilised] approximates your device location solely for fraud detection purposes.
We may collect data that is publicly available such as information you have submitted in public forums, including social media platforms. We may also collect information from third parties such as demographic information and other information that can enhance our existing information about you. We use this information to provide you services and to improve the products and services we deliver to you, including to prevent fraud and/or to verify your identity.
When we use tracking technologies, Maholla does not combine your data with data from third parties but rather only uses Maholla’s own data for its business purposes and to operate the App. In other instances, we may not specifically track you in understanding certain aspects of our App or marketing campaigns but instead use a probabilistic modeling to estimate certain measurements relating to our App or campaigns.
We use the information we collect in various ways, including to:
Non-Personally Identifiable Information:
We may use Non-Personally Identifiable Information for a variety of purposes. We may analyse trends through aggregated demographic and other information about users. We may also share this Non-Personally Identifiable Information with our preferred merchants or other 3rd parties to allow them to assist us in delivering tailored advertisements, promotions, sweepstakes, discounts, and other incentives to you when you use the Services.
We use your information to provide you our Website, App, and Maholla program which allows you to engage and intentionally interact with our service. We also use your information to analyse, administer, enhance and personalise our Website and App and the services we provide to you, including our marketing of products and services to you. More specifically, we may use your information:
In operating our business and working to provide you the best products and services, unless specified otherwise elsewhere, we may share your information in the following ways:
With your consent—We may share information in other ways if you give us consent or direct us to do so.
Personal Information and Other Information may be de-identified and/or aggregated in a way to remove the personally identifying components. De-identified and/or aggregated information is not and will not be treated as Personal Information and may be used by us and shared with third parties to provide insights into developing or improving products or services, marketing, investment research or for any other legally permissible purposes. These third parties may also use and disclose the de-identified and/or aggregated information for their own business purposes, including to understand consumer shopping behaviours, investment research, market trends and other insights and for any other legally permissible purposes.
For analytics, we use Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics may set cookies on your browser or mobile device or read cookies that are already there to collect information. Google Analytics may also receive information about you from apps you have downloaded that partner with Google. Google Analytics collects information such as how often you use our Website and how you use our Website. We use the information provided by Google Analytics to improve our Websites and services. We do not combine the information collected through the use of Google Analytics with personally identifiable information.
We may participate in Facebook’s Custom Audience programs which enables us to display personalised ads to individuals on our emails lists when they visit Facebook. Facebook acts as our service provider and uses our Personal Information on our behalf to determine whether you are a registered Facebook account holder in connection with this program. You can opt-out of our Facebook Custom Audience service by sending us an email with your name and email address and we will have Facebook remove you from the Facebook Custom Audience ads it sends on our behalf.
Your Information or the information you provide may be used to allow you to send messages to a friend through the Website or App. By using this functionality, you represent and agree that you have obtained the relevant required consent from that friend to send him/her messages and that we are not the sender or initiator of any such messages nor are you acting as our agent in sending any such messages.
When you leave this Website and go to another linked site, we are not responsible for the content or availability of the linked site. Please be advised that if you enter into a transaction on the third party site, we do not represent either the third party or you. Further, the privacy and security policies of the linked site may differ from those practiced by us and are not our responsibility. Moreover, we are not responsible for the privacy policies of other organisations, such as Apple, Google, Facebook, Twitter, or any other organisation involved in providing Maholla to you.
When you log into your account or email us at email@example.com, you may access, and, in some cases, edit or delete the following information you have provided to us:
You may be able to add, update, or delete information. However, when changes are made we may maintain a copy of the unrevised information in our records. You can also contact us about questions or requests relating to your personal information by sending an email to firstname.lastname@example.org. To protect your privacy, before we give you access or let you update your information, we may ask you to verify your identity or provide additional information. We may reject a request for a number of reasons, including, for example, that the request risks the privacy of other users, requires technical efforts that are disproportionate to the request, is repetitive, or is unlawful.
If you choose to register an account with us and complete your profile, it will be protected by a password of your choosing for your privacy and security. It is your obligation to prevent unauthorised access to your account and Personal Information by selecting and protecting your password appropriately and limiting access to your computer or device and browser and by logging out after you have finished accessing your account.
We may occasionally run contests, surveys, or other special promotions in which we ask you for personal information (like an email address or name) or demographic information (like address, age, or income level). We use this data to run the contests or promotions and send users promotional material about our company or third parties we deal with. Participation in these surveys or contests is completely voluntary and you therefore have a choice whether or not to disclose this information. The participant’s contact information is also used to contact him or her when necessary and may be shared with other companies for promotional purposes, but only with your prior permission and under the terms and conditions specified when you take part in the promotion. At any time, you may opt-out of receiving future mailings of this kind by following the unsubscribe instructions in each promotional communication, or simply decline to take part in the promotions.
The Services are not directed to children. We do not knowingly collect personally identifiable information from children under 16. If a parent or guardian becomes aware that his or her child has provided us with Personal Information without their consent, please contact us. If we become aware that a member is under the age of 16 and has provided us with Personal Information without verifiable parental consent, we will delete such information from our files.
Last Updated: 02 June 2021