Prepared for Public disclosure.

HiSAVE, the policy valid from 24th Dec 2023.

MWIN FINTECH PRIVATE LIMITED (We”, “Our”, “HiSAVE” or “Us”) be deemed to include its respective legal heirs, representatives, administrators, permitted successors and assigns) own and/ or operate the website and mobile application HiSAVE.

For the purpose of providing the Services (as defined in clause 1 below), HiSAVE is required to collect and use certain information of the users of the Website (“Users”) using the Services and involves capturing, storage and transmission of such information. This Privacy statement(“Privacy Policy”/ “Policy”) explains how We collect, use, share and protect personal information of the Visitors and Users of the Services (jointly and severally referred to as “You”, “Your”, “Yourself” or “User” or “Users” in this Privacy Policy). We have created this Privacy policy/statement to ensure our steady commitment to the privacy of the information of the Users who interact with our Services. Your use of and access to the Services is subject to this Privacy policy/statement and our Terms and Conditions. Any capitalized term used, but not defined, in this Privacy policy/statement shall have the meaning attributed to it in our Terms and Conditions.

The headings used herein are only for the purpose of arranging the various provisions of the Privacy Policy. The headings are for the purpose of reference only and shall not be interpreted to limit or expand the provisions of the clauses contained therein.

1. DEFINITIONS

In this Privacy Policy, unless the context otherwise requires, the terms defined shall bear the meanings assigned to them below, and their cognate expressions shall be construed accordingly.

A. “Personal Information” shall have the same meaning as given in Rule 2(1)(i) of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 to mean any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available to a body corporate, is capable of identifying such person.

B. The SPI Rules further define “Sensitive Personal Data or Information” of a person to mean Personal Information about that person relating to:

a. passwords;

b. financial information such as bank accounts, credit and debit card details or other payment instrument details;

c. physical, physiological and mental health condition;

d. sexual orientation;

e. location data

f. medical records and history;

g. biometric information;

h. information received by body corporate under lawful contract or otherwise;

i. visitor details as provided at the time of registration or thereafter; and

j. call data records.

C. “You”, “Your”, “Yourself” and “User” shall mean and refer to natural & legal individuals and legal entities/companies who visit and/or use the Services and will also include the individuals/entities/companies who avail the services by submission of details by some other person.

D. “Third Parties” refer to any website/application/web portal, company or individual apart from the User and Us.

E. “Services” shall mean the Website (https://www.gohisave.com/) and Mobile Application (HiSAVE) and contextual information transmitted to/ received from Users via various communication channels including but not limited to e-mail, SMS, WhatsApp, Notification, phone calls, website chat, IVR. We are primarily engaged in the business of providing web and App enabled cash back services. We currently operate under the brand name HiSAVE which primarily drive sales to the brands which we may or may not have tied up with.

F. “User Information” shall mean Personal Information and Sensitive Personal Data or Information.

G. “Website” shall mean and refer to https://www.gohisave.com/, the “Application” and/ or “App” shall refer to the HiSAVE mobile application available on Android Play Store or iOS App Store. These shall be collectively referred to as the “Platform”

2. WHY THIS PRIVACY POLICY?

This Privacy Policy is published in compliance with, inter alia, 

1. Section 43A of the Information Technology Act, 2000. 

2. Regulation 4 of the SPI Rules; and 

3. Regulation 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 (“Intermediaries Guidelines”).

This Privacy Policy states, inter alia, the following: 

1. The type of information collected from the Users, including Sensitive Personal Data or Information.
2. The purpose, means and modes of usage of such information; and 

3. How and to whom We will disclose such information

3. GENERAL

The User unequivocally agrees that this Policy and the aforementioned Terms and Conditions constitute a legally binding agreement between the User and HiSAVE, and that the User shall be subject to the rules, guidelines, policies, terms, and conditions applicable to any service that is provided by HiSAVE including the Services, and that the same shall be deemed to be incorporated into the Terms and Conditions, and shall be treated as part of the same.

This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. Further, this document is published in accordance with the provisions of the SPI Rules and Intermediaries Guidelines.

The terms ‘Party’ and ‘Parties’ shall respectively be used to refer to the User and HiSAVE individually and collectively, as the context so requires.

The headings of each section in this Policy are only for the purpose of organizing the various provisions under this Policy in an orderly manner and shall not be used by either Party to interpret the provisions contained herein in any manner. Further, it is specifically agreed to by the Parties that the headings shall have no legal or contractual value.

The Parties expressly agree that subject to clause 13 of this Policy, HiSAVE retains the sole and exclusive right to amend or modify the Policy and the aforementioned Terms and Conditions without any prior permission or intimation to the User keeping in mind best practices and laws set by State/Central Government of India, and the User expressly agrees that any such amendments or modifications shall come into effect immediately. The User has a duty to periodically check the Policy and Terms and Conditions and stay updated on their provisions and requirements. If the User continues to use the Services following such a change, the User will be deemed to have consented to any and all amendments/ modifications made to the Policy and Terms and Conditions. In so far as the User complies with the Policy and Terms and Conditions, he/she is granted a personal, non-exclusive, non-transferable, revocable, limited privilege to enter, access and use the Services.

4. COLLECTION AND HANDLING OF PERSONAL INFORMATION

We guarantee full privacy and security. Customer personal data is never shared with a third party without your explicit permission. 

When adding your personal data in our applications, this data is encrypted and stored locally on your device in such a way that only you can recover it. 

If you select to allow us to save the data on our servers, this data is encrypted and is never made available to anyone else.

Privacy of the Parties is of prime importance to Us, and all Services are strictly designed within the jurisdiction of laws defined by the Government of India.

Generally, the Services require us to know who you are so that we can meet your needs at the best. When you access the Services, we may ask you to voluntarily provide us with certain information that personally identifies you or could be used to personally identify You. Without prejudice to the generality of the above, information collected by Us from You may include (but is not limited to) the following:

A. Contact data (such as your email address and phone number);

B. Username and passwords.

C. Demographic data (such as your name, gender, age, your date of birth and your pin code).

D. Data regarding your usage of the services and other transactions made by or with you using the Services.

E. Information about your clicks on and from HiSAVE mobile device, web browser, web and mobile browsing patterns, retailer preferences

F. Your  generic banking habits, card program name and all non-confidential information without card number/CVV or anything else. 

G. You utilize our platform voluntarily to seek great deals entrusting us as Shopping Advisor.

H. Any other information that you voluntarily choose to provide to us (such as information shared by you with us through emails, calls or letters, your work details, home / work address, your family details, details about transactions done on e-commerce sites, screenshots of transactions, order IDs for transactions, alternate numbers and emails and various other information provided from time to time).

I. All payments are facilitated by either Merchant directly or Payment Gateway. If the payment is made with a card or an account, the details of the card or account is shared  with the payment processor, the institution holding the account. The beneficiary only has  access to the data through your institution holding the account, we do not share your  data with the merchant, as we don’t hold access to it. A partner Payment Gateway, could apply transaction hash & share with the merchant that is calculated  in such a way that the customers data cannot be retrieved based on the hash.

The information collected from You by Us shall constitute ‘Personal Information’ or ‘Sensitive Personal Data Information’ under the SPI Rules.

5. PRIVACY STATEMENTS

The User expressly agrees and acknowledges:

i. Information that is freely available in the public domain or accessible under the Right to Information Act, 2005 or any other law will not be considered as ‘Personal Information’ or ‘Sensitive Personal Data or Information’ for the purposes of this Policy.

That HiSAVE may automatically track information about the User based on the User’s IP address and the User’s behaviour on the Platform, and the User expressly consents to the same. The User is aware that this information may be used to conduct internal research on User demographics, interests, and behaviour, to enable HiSAVE to better understand, and cater to the interests of the Users. Further, the User is expressly made aware that such information may include the User’s computer & web browser information, the User’s IP address, mobile device details etc. The linkage between User’s IP address and User’s personally identifiable information may be shared with or disclosed to third parties in order to facilitate the provisions of the Services to You. The User hereby consents to the sharing of such information to such third parties as may be determined by HiSAVE from time to time. Further, we may also share and/or disclose some of the aggregate findings (not the specific data) in anonymized form (i.e., non-personally identifiable) with third parties for market research and new feature development.

ii. That any and all information pertaining to the User collected by HiSAVE, whether or not directly provided by the User to HiSAVE, including but not limited to personal correspondence such as emails or letters or SMS or WhatsApp Notification or calls, feedback from other users or third parties regarding the User’s activities or postings on the Platform, etc., may be collected and compiled by HiSAVE into a file/folder specifically created for/allotted to the User, and the User hereby expressly consents to the same. There would eventually be appropriate governance, access and deletions in place. The data could be encrypted and stored off-site.

Also, in order to keep You informed of Your activities on the Website We occasionally send You emails, SMS, WhatsApp Notification(s), App notifications and other marketing communication. These include Your transaction messages depicting Your HiSAVE earnings, referral messages depicting referrals Earnings, payment confirmations for payments to You and, important administrative messages and messages to confirm Your activities on the Website. These emails are not shared with anyone else apart from You.

We also send newsletters, WhatsApp Notifications, SMSs, App notifications, browser notification and other marketing campaigns that features some of our best ideas to help You save more. You may choose not to receive this marketing communication from HiSAVE by informing Us at any time.

We do not support spamming by our members and we explicitly prohibit it in our Terms and Conditions. If You would like to report an incident of spamming, please contact us so we can investigate and take suitable action.

iii. That the contact information provided to HiSAVE may be used to send the User offers and promotions, whether or not based on the User’s previous interests, and the User hereby expressly consents to receiving the same. The User may choose to unsubscribe from promotional communications by clicking on the ‘unsubscribe’ link provided at the end of such promotional communication or by emailing Us on Hisave@mo-save.com

iv. That HiSAVE may occasionally request the User to complete optional online surveys. These surveys may require the User to provide contact information and demographic information (like zip code, age, income bracket, sex, etc.). The User is aware that this information is used to improve/customise the Services for the benefit of the new & existing User(s) thereby providing all Users the relevant services that HiSAVE believes they might be interested in availing.

v. That HiSAVE may keep records of electronic communications and telephone calls received and made for support or other purposes for the purpose of administration of Services, customer support, research and development and for better assistance to Users.

That HiSAVE may occasionally request the User to write reviews for services availed of by the User from the Platform. The User is aware that such reviews will help potential Users of the Platform in availing the Services, and the User hereby expressly authorizes HiSAVE to publish any and all reviews written by the User on the Platform, along with the User’s name and certain contact details, for the benefit and use of other Users.

vi. Nothing contained herein shall be deemed to compel HiSAVE to store, upload, publish, or display in any manner content/reviews/surveys/feedback submitted by the User, and the User hereby expressly authorizes HiSAVE to remove from the Platform any such content, review, survey, or feedback submitted by the User, without cause or being required to notify the User of the same.

vii. Generation and collection of ‘Sensitive Personal Data or Information’ in accordance with Information Technology Act, 2000 as amended from time to time and allied rules requires the User’s express consent. By affirming assent to this Policy as well as clicking on the “I agree with Terms and Policy” button at the time of registration, the User provides consent to such generation and collection as required under applicable laws.

viii. The User is responsible for ensuring that the accuracy of the information submitted to HiSAVE. The User may correct, delete inaccuracies, or amend information by contacting HiSAVE through email on hisave@mo-save.com. HiSAVE will make utmost efforts to make requested changes in the databases as soon as reasonably practicable. If the User provides any information that is untrue, inaccurate, out of date or incomplete (or becomes untrue, inaccurate, out of date or incomplete), or HiSAVE has reasonable grounds to suspect that the information provided by the User is untrue, inaccurate, out of date or incomplete, HiSAVE may, at its sole discretion, discontinue the provision of the Services to the said User as per the provisions laid down in the Terms and Conditions. There may be circumstances where We will not correct, delete or update your Personal Data, including (a) where the Personal Data is opinion data that is kept solely for evaluative purpose; and (b) the Personal Data is in documents related to a prosecution if all proceedings relating to the prosecution have not been completed.

ix. All the information provided to Us by a User, including Sensitive Personal Data or Information, is voluntary. User has the right to withdraw his/ her/ their consent at any time, in accordance with the terms of this Privacy Policy, and the Terms and Conditions applicable to such User, it being however clarified that withdrawal of consent will not be retroactive. If the User wishes to delete his/her account or request that HiSAVE no longer uses the User’s information to provide Services, the User may contact HiSAVE on hisave@mo-save.com. We shall not retain such information for longer than is required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force. After a period of time, your data may be anonymized and aggregated, and then may be held by us as long as necessary for us to provide our Services effectively, but our use of the anonymized data will be solely for analytic purposes. Please note that your withdrawal of consent, or cancellation of account may limit Us to provide you with its Services or to terminate any existing relationship We may have with you.

x. If you wish to opt-out of receiving non-essential communications such as promotional and marketing-related information regarding the Services, please send us an email at hisave@mo-save.com.

6. OUR USE OF YOUR INFORMATION

All the information provided to HiSAVE by a User, including Personal Information or any Sensitive Personal Data or Information, is voluntary. Such information in its original form may be shared with any Third Parties in furtherance of the consent from the User as provided hereunder. You understand that HiSAVE may use certain information of Yours, which has been designated as Personal Information or ‘Sensitive Personal Data or Information’ under the SPI Rules for the following purposes:

1. providing you the Services;

2. taking product & Services feedback;

3. for offering new products or services and marketing of the Services;

4. for analysing software usage patterns for improving product design and utility;

5. for providing the services of generating alerts/reminders/SMS for offers and also for internal record.

6. for commercial purposes and in an aggregated or non-personally identifiable form for research, statistical analysis and business intelligence purposes,

7. for sale or transfer of such research, statistical or intelligence data in a non-personally identifiable form to third parties and affiliates;

8. debugging customer support related issues; and

We may use your tracking information such as IP addresses, and or Device ID to help identify You and to gather broad demographic information.

In case we are acquired by or merged with another company, We shall transfer information disclosed by You and information about You to the company we are acquired by or merged with, and such company will have the right to continue to use the User’s Personal Information and/ or other information that a User provides to Us. In the event of a merger or acquisition, We shall notify You by email/by putting a notice on the Website and/ or Application before Your Personal Information is transferred and becomes subject to a different privacy policy.

The Users expressly agree and acknowledge that HiSAVE collects and stores the User’s Personal Information and/or Sensitive Personal Information in a secure cloud based platform which is provided by the User from time to time on the Platform or while using other Services.

The User is aware that this information will be used by HiSAVE to deliver its services and help customize/improve the Platform experience to be safer and easier but no personally identifiable information will be shared with any Third Party under any circumstances without User’s explicit consent unless directed by the law.

HiSAVE may need to disclose/ transfer User’s Personal Information to the following third parties for the purposes mentioned in this Privacy Policy, and the Terms and Conditions as applicable to such User:

A. To government institutions/ authorities to the extent required:

a. under the laws, rules, and regulations and/ or under orders of any relevant judicial or quasi-judicial authority.

b. to protect and defend the rights or property of HiSAVE.

c. to fight fraud and credit risk.

d. to enforce HiSAVE’s Terms and Conditions applicable to the Users; or

e. when HiSAVE, in its sole discretion, deems it necessary to protect its rights or the rights of others.

B. If otherwise required by an order under any law for the time being in force including in response to enquiries by government agencies for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences.

However, We contract with third parties to serve ads on our behalf across the Internet and sometimes on this site. They may collect information about Your visits to Our website, and Your interaction with our products and services. They may also use information about Your visits to this and other websites to target advertisements for goods and services. This information is collected through the use of a pixel tag, which is industry standard technology used by most major websites. Such third parties are not permitted to sell or share Your personally identifiable information as part of this process.

The following third-party vendors, including Google, Facebook, advertising platforms, re-marketing platforms like CleverTap, customer query management platforms like Freshworks & Exotel use cookies to serve ads based on a user’s prior visits to Your website.

Google’s use of the DoubleClick cookie enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the Internet.

Users may opt out of the use of the DoubleClick cookie for interest-based advertising by visiting Ads Settings.

7. CONFIDENTIALITY AND SECURITY

a. our information is regarded as confidential and therefore shall not be divulged to any Third Parties, unless as provided hereunder and unless legally required to do so to the appropriate authorities, or if necessary, for providing the Services through the Platform.

b. Your Personal Information/Sensitive Personal Data is maintained by Us in an electronic form on our equipment, and on the equipments of our employees. Such information may also be converted to physical form from time to time.

c. People who can access your Personal Information

d. User Information will be processed by our employees, authorised staff, marketing agencies or agents, on a need to know basis, depending on the specific purposes for which the User Information have been collected by Us. HiSAVE may, therefore, retain and submit all such records to the relevant stakeholders.

e. Security Practices. We treat data as an asset that must be protected against loss and unauthorised access. We employ many different security techniques to protect such data from unauthorized access by members inside and outside HiSAVE. We follow generally accepted industry standards to protect the User Information submitted to Us and information that We have accessed, including managerial, technical, operational and physical security control measures. However, for any data loss or theft due to unauthorized access to the User’s electronic devices through which the User avails the Services, We shall not be held liable for any loss whatsoever incurred by the User.

f. Measures We expect you to take: It is important that You also play a role in keeping Your User Information safe and secure. When signing up for an online account, please be sure to choose an account password that would be difficult for others to figure out and never disclose Your password credentials to anyone else. To make Your account more secure, opt for setting a password comprising of letters, numbers, or special characters. You are responsible for keeping this password confidential and for any use of Your account. If You use a shared or public computer, never choose to have your login ID/email address or password remembered and make sure to log out of your account every time you leave the computer. You should also make use of any privacy settings or controls We provide You on Our Platform.

g. Unauthorised use of User’s account. We do not undertake any liability for any unauthorized use of Your account and password. If you suspect any unauthorized use of your account, you must immediately notify Us by sending an email to hisave@mo-save.com stating the grievance or the issue persisting.

h. Notwithstanding the above, HiSAVE is not responsible for the confidentiality, security, or distribution of your Personal Information by third parties outside the scope of Our Agreement with such third parties. Further, HiSAVE shall not be responsible for any breach of security or for any actions of any third parties or events that are beyond the reasonable control of HiSAVE including but not limited to the, acts of government, computer hacking, unauthorised access to computer data and storage device, computer crashes, breach of security and encryption.

8. RETENTION OF YOUR PERSONAL DATA

In accordance with applicable laws, We will use & retain the User Information for as long as necessary to satisfy the purposes for which such User Information was collected (as described in Section 4 above) or to comply with applicable legal requirements.

9. YOUR RIGHTS

a. Access to Personal Data.

You have the right to access, review and request a physical or electronic copy of information held about Us. You also have the right to request information on the source of your Personal Information/Sensitive Personal Information.

b. Additional rights (e.g. modification, deletion of Personal Data).

Where provided by law, you can

1. request deletion, the portability, correction or revision of your User Information;

2. limit the use and disclosure of your Personal Data; and

3. revoke consent to any of Our data processing activities. Provided that, We may be required to retain some of Your User Information after you have requested deletion, to satisfy our business legal or contractual obligations.

10. CHILDREN’S AND MINOR’S PRIVACY

We strongly encourage parents and guardians to supervise the online activities of their minor children and consider using parental control tools available from online services and software manufacturers to help provide a child-friendly online environment. These tools can also prevent minors from disclosing their name, address, and other personally identifiable information online without parental permission. Although the Services are not intended for use by minors, but We respect the privacy of each individual who may inadvertently use the internet or the mobile application to avail our services.

11. CONSENT TO THIS POLICY

You acknowledge that this Privacy Policy is a part of the Terms and Conditions of the Website and the other Services, and you acknowledge that you have unconditionally agreed as User of the Platform and the Services signifies your assent to this Privacy Policy. Your visit to the Website, use of the App and use of the Services is subject to this Privacy Policy and the Terms and Conditions

12. WEBSITE VISITORS

a. Comments 

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. 

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here. After approval of your comment, your profile picture is visible to the public in the context of your comment. 

b. Media 

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website. 

c. Cookies 

When You avail our Services on the Platform, a persistent cookie is placed on Your computer.

These cookies enables us to track any purchases You make with our participating retailers and in return We provide Cashbacks or Rewards to You. If You do not have such persistent cookies enabled on Your computer You will not be able to earn any Cashbacks or Rewards on Your online shopping via Our Platform.

Disabling/enabling cookies: You can accept or decline cookies by modifying the settings in Your browser. However, You may not be able to use all the interactive features of Our Platform if cookies are disabled.

Please note: If You disable the cookies in Your browser which are used to track Your purchases via Our Platform, You will not be able to earn Cashbacks or Rewards when You shop from our website.

There are several ways to manage cookies. If You use different computers at different locations, You will need to ensure that each browser is adjusted to suit Your cookie preferences.

You can easily delete any cookies that have been installed in the cookie folder of your browser.

If you leave a comment on our site, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year. 

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser. 

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed. 

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day. 

d. Embedded content from other websites 

Articles on this site may include embedded content (e.g. videos, images, articles, etc.).  Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. 

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

e. Who we share your data with 

If you request a password reset, your IP address will be included in the reset email. How long we retain your data 

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding  them in a moderation queue. 

For users that register on our website (if any), we also store the personal information they  provide in their user profile. All users can see, edit, or delete their personal information including their saved location data at  any time (except they cannot change their username). Website administrators can also see and edit that information.

f. What rights you have over your data 

If you have an account on this site, or have left comments, you can request to receive an  exported file of the personal data we hold about you, including any data you have  provided to us. You can also request that we erase any personal data we hold about you.  This does not include any data we are obliged to keep for administrative, legal, or security  purposes.

g. Where we send your data 

Visitor comments may be checked through an automated spam detection service. 

13. ANTI-SPAM

We commit that we shall not send you any unsolicited emails or other communications other than those described on our Terms & Conditions and Privacy Policy. We shall not share, sell or rent your details to any other companies or third parties. You have the option of subscribing or unsubscribing to our monthly newsletters using your ‘Profile Details’ page.

All our members are expected to conduct their accounts without spamming our partner merchants or members of public. If we get complaints from our partner merchants about members who are spamming them in any way, we will terminate the offending members’ account immediately.

If it is brought to our attention that any of our members is sending unsolicited emails or spamming in any way, we will take this seriously and investigate the issue, which may lead to suspension of the relevant members account or a complete ban of that member from our entire network of websites.

14. AMENDMENTS OR CHANGE TO PRIVACY POLICY

HiSAVE may update this Privacy Policy at any time, with or without advance notice. If there are significant changes in the way HiSAVE treats User Information, or in the Privacy Policy itself, HiSAVE will display a notice on the Website or send Users an email, as provided for above, so that the User may review the changed terms prior to continuing to use the Services. As always, if the User objects to any of the changes to our terms, and the User no longer wish to use Our Services, the User may communicate the same to hisave@mo-save.com to deactivate their account. Unless stated otherwise, the current Privacy Policy applies to all information that HiSAVE has about You and Your account.

If a User uses the Services after a notice of changes has been sent to such User or published on the Platform, such User hereby automatically provides his/her/its consent to the changed terms.

15. GOVERNING LAW

This Privacy Statement is governed by the laws of India. Any action, suit, or other legal proceeding, which is commenced to resolve any matter arising under or relating to this Policy website, shall be subject to the exclusive jurisdiction of the courts at New Delhi, India.

16. OR PRIVACY QUESTIONS

Should You have any questions about this Privacy Policy or HiSAVE’s information collection, use and disclosure practices, You may contact, the Data Protection Officer appointed by HiSAVE. We will use reasonable efforts to respond promptly to any requests, questions, or concerns, which You may have regarding our use of Your Personal Information. If You have any grievance with respect to Our usage of Your person information, You may communicate such grievance to: Hisave@mo-save.com