-
My Cake Privacy Policy
The My Cake Mobile App (Android) is available on Google playstore. The App is an online platform for users to avail financial services. My Cake is committed in protecting and respecting your privacy.
SCOPE
This privacy policy (“Privacy Policy”) is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder. This Privacy Policy does not require any physical, electronic or digital signature. This Privacy Policy is a legally binding document between you and My Cake. The terms of this Privacy Policy will be will govern the relationship between you and My Cake App. This Privacy Policy describes the information that we collect from you, how We collect this information (directly or through third parties or which is automatically generated, when you interact with our mobile application (Mobile App)) and what We do with it after We collect it.
GENERAL DEFINITIONS
Reference to “you” or “your” in this Privacy Policy refers to any natural person (including the employees of My Cake) who provides to My Cake any information referred in Schedule 1 of this document or any user(s) of My Cake App or business applications whether or not, you avail the Services offered by My Cake. “Act” shall mean the Information Technology Act, 2000 and Rules thereunder as amended from time to time. “Information” shall mean and include Personal Information and Sensitive Personal Data or Information as may be collected by My Cake. “Personal Information” shall have the same meaning as under Rule 2 (i) of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 as amended from time to time. For ease of reference Rule 2 (i) of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 is re-produced under Schedule 1. “Rules” shall mean the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 as amended from time to time. “Registered User” shall mean such user whose registration is accepted by My Cake. “Sensitive Personal Data or Information” shall mean and include information under Rule 3 of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 as amended from time to time. For ease of reference Rule 3 of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 is re-produced under Schedule 1. “Services” for the purpose of this Privacy Policy shall mean any person who by way of registration has sought or in any manner has requested the services of My Cake. All words and expressions used and not defined in this document but defined in the Act or the Rules shall have the meanings respectively assigned to them in the Act or the Rules. My Cake is fully committed to respecting your privacy and shall ensure that your Information is safe. This Privacy Policy sets out the practices adopted in respect of Information, including the types of Information that is collected, how the Information is collected, how the Information is used, how long the Information is retained and with whom it is shared. This Privacy Policy is published in compliance with the provisions of the Act and the Rules made thereunder that require publishing the Privacy Policy on My Cake App. My Cake urges you to read this Privacy Policy carefully before you use or opt to access any services of My Cake or decide to part with any Personal Information including the information listed under Schedule 1.
USER CONSENT
By creating an Account and using our service
, you expressly consent and confirm to My Cake collecting,
maintaining, using, processing and disclosing your Sensitive
Personal Data or Information and other Information in accordance
with the terms set out in this Privacy Policy. If you do not agree
with this Privacy Policy in its entirety, you must not use this app
or products and/or services provided on it. If you have any
questions or comments regarding this Privacy Policy, please contact
us info@kezaabulucky.com
PRIVACY PRINCIPLES
At My Cake, we may ask for and use your Sensitive Personal Data or Information/Personal Information and are committed to keeping this Information secure. In order to maintain the confidentiality of your Information, we maintain the following privacy principles including but not limited to the following: We only collect Sensitive Personal Data or Information/Personal Information that is relevant and is required to gauge your financial abilities and to conduct our business. We use your Sensitive Personal Data or Information/Personal Information to provide you with better customer services and products. We may pass your Sensitive Personal Data or Information/Personal Information to our affiliates or any agent or third-party service provider unless prohibited by laws and regulations. We will not disclose your Sensitive Personal Data or Information/Personal Information to any external organization unless we have your consent or are required by laws and regulations. We may disclose your Sensitive Personal Data or Information/Personal Information required by any regulatory agencies, but we will only do so under proper authority. We maintain strict security systems designed to prevent unauthorized access to your Sensitive Personal Data or Information/Personal Information by anyone, including our staff. This Privacy Policy talks about why we ask for Sensitive Personal Data or Information/Personal Information and how we keep it secure. We request you to review our Privacy Policy from time to time because your use of our products and services implies your acceptance of the prevailing Privacy Policy, including any amendments thereto.
INFORMATION WE COLLECT
During your use of the Mobile App, we will collect such Information from you when you provide to us including but not limited to the below mentioned: Sensitive Personal Data or Information/Personal Information that you provide to us while interacting with us such as your name, gender, date of birth, mobile number, password, email address, mailing address, telephone number, demographic information like residential address. You will at all times have the option of not providing My Cake with Sensitive Personal Data or Information/Personal Information that My Cake seeks to collect. Even after you have provided My Cake with any Sensitive Personal Data or Information/Personal Information, you will have the option to withdraw the consent given earlier. Further, you have the right to request for access to your Sensitive Personal Data or Information/Personal Information and to review and amend such Sensitive Personal Data or Information/Personal Information. In such cases, My Cake will have the right to not provide or discontinue the provision of any service that is linked with such Sensitive Personal Data or Information/Personal Information.
INFORMATION WE COLLECT AUTOMATICALLY
There
is certain Information that we collect automatically as the result
of your use of the App. This Information includes but is not limited to: The
Internet Protocol (IP) address of the device from which you access
the App.
INFORMATION FROM OTHER SOURCES
My Cake
allows you to sign up and log in using your Google account. If you
sign up using Google, Google will ask your permission to share
certain information from your Google account with My Cake. This
includes your information like your email. This Information is
collected by Google and is provided to us under the terms of
Google’s privacy policy.
HOW WE USE THIS INFORMATION
Any Information
shared by you is used by us and/or authorized third parties/service
partners to support your interaction with us, to offer you services
in the best possible manner and to contact you again about other
services and products that we offer. After submitting your Sensitive
Personal Data or Information/Personal Information to My Cake,
you expressly acknowledge and
consent to My Cake to use such information and to process the same
in a manner deemed fit by My Cake. We may use this Information
provided by you in the following ways but not limited to:
(a) To
capture, save, compile and analyse the Information required to
perform credit and risk scoring models and establish identity and
assess applications. To design and improve the products and
services, customer relationship management processes to operate the
business.
(c) To monitor metrics such as total number of views,
visitors, traffic and demographic patterns.
(d) To carry out
contractual obligations entered into between My Cake and you.
(e)
To conform to the legal requirements, compliance/reporting to
administrative and judicial authorities, as may be required and to
comply with regulatory guidelines.
(f) To protect and defend the
rights or property of the app owners of My Cake, or your
rights. To communicate with you to send order confirmations, respond
to customer service requests, send marketing communications, and
send account update notifications.
(g) To share the Information
with multiple financial institutions and other lenders for
customization of offers and provision of services. To undertake
research, troubleshooting, fraud and risk management and prevention
of other criminal activity. To post and review your comments on our
blog.
(h) To manage your employment and related compliances,
process payroll and other compensations, managing employee benefits,
tracking attendance, etc. We may also collect and use this
Information in other ways permitted by law. We will take utmost care
to ensure that your Sensitive Personal Data or Information/Personal
Information is not shared with the public and that your transactions
on the App are confidential. If we use any third parties for any
of these transactions, we will also make sure that confidentiality
is maintained. We may also provide Sensitive Personal Data or
Information/Personal Information about our customers to other
organizations. We will take reasonable care that any Sensitive
Personal Data or Information/Personal Information we disclose to
them is only used for the specific task we ask them to perform.
INFORMATION SECURITY
We store and process your Sensitive Personal Data or
Information/Personal Information on secure web service cloud
servers. We protect your Information using physical, technical, and
administrative security measures to reduce the risks of loss,
misuse, unauthorized access, disclosure, and alteration. Some of the
safeguards we use are firewalls and data encryption using SSL, and
information access authorization controls.
However, you
understand and accept that there’s no guarantee that data
transmission over the Internet will be completely secure and that
any information that you transmit to us is at your own risk. We
assume no liability for any disclosure of your Information due to
errors in transmission, unauthorized third-party access to our
App and databases or other acts of third parties or acts or
omissions beyond our reasonable control and you shall not be
entitled to hold My Cake responsible for any breach of security.
RETENTION OF DATA
We may retain the
Information about you as long as your User account is active or as
needed to provide services to you. If you wish to cancel your
account or request that My Cake no longer use your Information to
provide services, you may contact My Cake at
info@kezaabulucky.com. Although My Cake may have to retain and
use your Information if necessary to comply with its legal
obligations, resolve disputes, and enforce its agreements. If you
are no longer an employee of My Cake, please note that We will not
retain your Sensitive Personal Data or Information / Personal
Information longer than is necessary for the purposes for which it
was obtained, unless it is required to be retained as part of a
statutorily mandated obligation.
CHANGES TO PRIVACY POLICY
In the event
My Cake modifies this Privacy Policy, the same will be updated on
the App. In case of any material changes to the Privacy Policy,
you will be notified by email (sent to the email address specified
in the Users’ mail account) or by means of a notice on this app
prior to the change becoming effective. The Users are encouraged to
periodically review this page for the latest information on its
privacy practices.
SEVERABILITY
My Cake has made every
effort to ensure that this Privacy Policy adheres with the
applicable laws. The invalidity or unenforceability of any part of
this Privacy Policy shall not prejudice or affect the validity or
enforceability of the remainder of this Privacy Policy.
SECURITY
My Cake understand that storing
data in a secure manner is important. We store Sensitive Personal
Data or Information/Personal Information using industry standard,
reasonable and technically feasible, physical, technical and
administrative safeguards against foreseeable risks, such as
unauthorized access. Any transactions that take place on the App
are processed through our secure server in order to make every
reasonable effort to ensure that your Sensitive Personal Data or
Information/Personal Information is protected.
While My Cake
strives to protect your Sensitive Personal Data or
Information/Personal Information, it cannot ensure or guarantee that
the Sensitive Personal Data or Information/Personal Information or
private communications you transmit to us will always remain
confidential, and you do so at your own risk. If a password is used
to help protect your accounts and Sensitive Personal Data or
Information/Personal Information, you are responsible for keeping
your password confidential. Do not share this information with
anyone. If you are sharing a computer with anyone you should always
log out before leaving the App or service to protect access to
your information from subsequent users.
While no app can
guarantee security, we have implemented appropriate administrative,
technical, and physical security procedures to help protect the
Sensitive Personal Data or Information/Personal Information you
provide to us as specified under applicable laws. We ensure that
only authorized employees are permitted to access Sensitive Personal
Data or Information/Personal Information, and they only may do so
for permitted business functions. Please be aware that the App
and data storage run on software, hardware and networks, any
component of which may, from time to time, require maintenance or
experience problems or breaches of security beyond our control.
CHANGES IN POLICY AND ACCEPTANCE
My Cake
may from time to time update this Privacy Policy. My Cake will
ensure to place a notice on the top of this page with the latest
updated date. Accordingly, you should check the Privacy Policy on a
regular basis for the most current privacy practices. Each time you
access, use or browse the App, you signify your acceptance of
the then-current changes to the Privacy Policy applying to your
Information collected by us, on and from the effective date of such
changes.
LIMITATION OF LIABILITY
Notwithstanding
anything contained in this Privacy Policy or elsewhere, My Cake
shall not be held responsible for any loss, damage or misuse of your
Sensitive Personal Data or Information/Personal Information, if such
loss, damage or misuse is attributable to a Force Majeure Event (as
defined below).
A “Force Majeure Event” shall mean any event
that is beyond the reasonable control of My Cake and shall
include, without limitation, sabotage, fire, flood, explosion, acts
of God, civil commotion, strikes, lockouts or industrial action of
any kind, riots, insurrection, war, acts of government, computer
hacking, civil disturbances, unauthorised access to computer data
and storage device, computer crashes, breach of security and
encryption, and any other similar events not within the control of
My Cake and which My Cake is not able to overcome.
SCHEDULE 1
Rule 2 (i)“Personal information”
means any information that relates to a natural person, which,
either directly or indirectly, in combination with other information
available or likely to be available with a body corporate, is
capable of identifying such person. Rule 3“Sensitive personal data
or information” of a person means such personal information which
consists of information relating to:-password; sexual-orientation, etc