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Privacy Policy

General

We exercise the utmost care and the highest security standards to protect against unauthorized access to your personal data and are committed to keeping your data secure, your private information private, and being transparent about our practices.

At WiseAnt, we take privacy and security seriously. This Privacy Policy outlines how WiseAnt, its parent entity Jarvis Software Private Limited (collectively, “WiseAnt,” “we,” “our,” or “us” or “Company “) process the information that we collect about you through our websites, mobile apps, and other online services (collectively, the “Services”) and when you otherwise interact with us, such as through our customer care service channels. The Company owns, operates, and manages a website having the domain name https://www.WiseAnt and related software applications for use on wireless computing devices such as smartphones and tablets and also for use on desktop or laptop computers under the name and style of “WiseAnt” (collectively hereinafter referred to as“Platform” or “Application”).

For the purposes of this privacy policy (hereinafter referred to as "Privacy Policy" or "Policy"), wherever the context so requires, references to the terms "User(s)", "You" or "Your", shall mean and include the user, registered on the Platform, who uses or access the Platform or avails the Service(s) (as defined below) of the Platform in accordance with the Terms of Use.

This Privacy Policy is published in compliance with the Information Technology Act, 2000, and applicable amendments, rules, regulations, and guidelines enacted thereunder from time to time (“IT Act”) with specific mention of regulation 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive personal information) Rules, 2011, and any other national and state laws which relate the processing of data. This Privacy Policy is an electronic record in terms of the IT Act and this electronic record is generated by a computer system and does not require any physical or digital signatures. Any new features and/or services that are added to Our current service at any point in the future shall also be subject to the terms set out in this Policy along with any other future relevant legislation to be incorporated as per the laws of the land. This Privacy Policy shall apply to any person who visits, browses, uses, or accesses the Platform or use any Services on the Platform.

This Privacy Policy, states:

  1. The type of information collected from the Users, including personal information and sensitive personal data or information (as defined below), relating to an individual;
  2. The purpose, means, and modes of collection, usage, processing, retention and destruction of such information;
  3. How and to whom We will disclose such information;
  4. How We will protect the Users’ personal information when they access the Platform.

WiseAnt does not intentionally collect or solicit personally identifiable information from children under the age of 18. Please do not attempt to register for the Services or transmit any personal information about yourself to WiseAnt if you are under the age of 18. If WiseAnt discovers that we have gathered personal information from a person under the age of 18, we will remove it as soon as possible. If you feel a child under the age of 18 has provided us with personal information, please contact us at support@wiseant.co

Purpose and scope of privacy policy

This Privacy Policy is published to inform and describe The Users of Our policies and procedures regarding the collection, storage, processing, and sharing of information that We receive from our Users on the Platform or those which are stored or accessed by Us at the time of availing/ registering for the Services or making transactions on the Platform. We have developed this Policy to familiarize You with Our practices and demonstrate Our commitment to the protection of Your privacy and Your personal information. With regard to this Privacy Policy, the terms "using”, and "processing" information include, without limitation; the use of cookies; and the collection, storage, transfer, evaluation, deletion, disclosure, management, handling, modifying and use of information.

  1. This Privacy Policy is applicable to all Users of this Platform. By using the Services, registering with Us, or by otherwise giving Us Your information, You shall be deemed to have read, understood, and agreed to the practices and policies outlined in this Privacy Policy and agree to be bound by the terms hereof as laid down.
  2. We respect Your need to understand how and why information is being collected, used, disclosed, transferred, and stored. This Privacy Policy sets out the way in which We process Your information when You visit the Platform or use the Services in accordance with applicable relevant data protection laws. By accessing Our Platform or availing of the Services, You agree to be bound by the terms of this Policy.
  3. This Privacy Policy solely applies to information You submit Us through the Platform. We reserve the right to revise this Privacy Statement from time to time to reflect changes to Our Services. We will accomplish this by changing the Platform's Privacy Policy and informing you of the changes, which will take effect immediately as soon as they are posted on the Platform. Furthermore, any modifications to the Policy will be communicated to all of our users via email or any other designated means of contact.
  4. The information contained on this Platform and the information collected by using/ login and /or accessing this Platform is stored at a secured server. It is stated by the server service provider that they have all the best security practices required for the server. The Platform is owned by us and is located in India. Hence, We are bound by duty to abide by the laws, including but not limited to, regulations, rules, circulars, and notifications governing privacy in India.
  5. This Privacy Policy does not cover any third-party website(s) or mobile app (s). You should be aware that the information and privacy practises of Our business partners, advertisers, sponsors, or other sites to which We provide a hyperlink(s) may differ from those described in this Policy. It is therefore recommended that You review the Privacy Policies of any such third parties before interacting with such interfaces. In such cases, we strongly advise you to read the policies of the applicable/relevant websites or sources.
  6. You hereby consent to Us collecting, using and sharing, and disclosing Your information as described in this Privacy Policy. If You do not agree with this Privacy Policy at any time, time, please do not use any of the services, use or access the Platform or give Us any of Your information.

Collection of Personal Data Collection

We may collect the following categories of personal information or sensitive personal data or information from the User but are not limited to:

ON BOARDING / REGISTRATION OF SERVICES:

When You create a new account to use the Services we request the following information:

  1. Name, phone number, e-mail id, your contacts
  2. Bank account number, your name on bank passbook and IFSC code of the bank;
  3. Information in relation to Your device by way of using our app like, communication information including contacts and call logs, device information (including storage, model, mobile network), browser plug-ins, and cookies or similar technologies that may identify your browser Application and plug-ins, notifications etc.

YOUR EXPENSES AND SAVING ACCOUNT ANALYTICS VIA SMS (SHORT MESSAGE SERVICE) ON YOUR ANDROID PHONE:You can choose to provide specific & explicit consent to allow WiseAnt’s Android App to access your text messages (SMS) inbox received on your Android mobile device.

  1. WiseAnt's Android App may automatically read your SMS text messages pertaining to your expenses and/or saving account balance data information arising from transactions made from cards, banks, and wallets via text messages (SMS) received by you from providers of services and/or banks (including but not limited to retail outlets, financial institutions, and utility companies) on your Android mobile device after obtaining such explicit consent from you.
  2. This will enable us to organize your expenses and saving account balances across your transactions and banks in one view and also provide analytics on the same to you. This will also help you to get an accurate picture of your overall wealth and net worth on your application dashboard.
  3. No personal SMSes or OTPs are accessed by WiseAnt.
  4. You can unsubscribe from the spending and savings account balance analytics services at any time by contacting support@wiseant.co. You can also disable the cost and savings account balance statistics by going to the WiseAnt Android App permission settings.

Processing of Personal Information

We may process your personal information collected from you for, including without limitation, the following purposes:

Services opted in Platform (investments, deposits, transactions, etc)

  • To facilitate Your queries regarding Our diverse variety of financial goods and services. Personal information is processed, for example, to organise and aggregate the User's financial information in one place on the Platform, to enable the Platform to provide the User analytics on their investments, liabilities, and expenses, and to assist the User in periodically assessing their risk profile, creating the User's investment plans, and making investment decisions.

Sharing /Communication

  • By sharing the information, You are allowed to contact either through Us or our third-party service providers through any channel of communication including but not limited to email, telephone, SMS, etc.

Alerts/ notices

  1. To intimate and deliver to You any administrative notices, alerts, advice, and communications relevant to Your use of the Service;
  2. To provide You critical alerts and communications about Our services or changes to our terms and conditions and/or policies, and to administer Our company and Platform;

Customisation of platform/ offers

  1. To customize the content of our Platform, request you for reviews of the Services; send you verification message(s) or email(s) validate/authenticate your account and to prevent any misuse or abuse,
  2. To contact You on Your birthday and/or anniversary to inform You of any special offers if any available;

Compliance with applicable laws

  • To handle enquiries and complaints submitted by You and troubleshoot difficulties, maintain compliance with all applicable laws and the safety of the Platform and all Users, prevent fraud, mistakes, and/or any illegal behaviour on the Platform, perform audits, and keep records

Disclosure of Data

We may receive a limited amount of information on you from third parties. Examples of this are your profile ID and information to which you have allowed access via a particular registration provider during registration. From some partner tracking networks, we may also receive information on entertainment purchases you have made via a link from Wiseant. Complete details on each type of Personal Data collected are provided in the dedicated sections of this privacy policy or by specific explanation texts displayed prior to the Data collection. Personal Data may be freely provided by the User, or, in case of Usage Data, collected automatically when using Wiseant. Unless specified otherwise, all Data requested by Wiseant is mandatory and failure to provide this Data may make it impossible for Wiseant to provide its services. In cases where Wiseant specifically states that some Data is not mandatory, Users are free not to communicate this Data without consequences to the availability or the functioning of the Service. Users who are uncertain about which Personal Data is mandatory are welcome to contact the Owner.

  • Some portions of the Platform are open to all Users and visitors without the need for prior registration. Furthermore, certain portions of the Platform are only accessible to Users when they input their information, login, and password. To protect the safety of Your account, password, and other information, we ask that You access the Platform through a safe and secure server.
  • We do not guarantee the security and/or privacy of any information, which may be available to all users and visitors of the Platform publicly. Further, the Platform may contain links to other websites.
  • We automatically receive the URL of the site from which anyone visits. We also receive the Internet Protocol (IP) address of each User’s computer (or the proxy server a User used to access the World Wide Web), the User’s computer operating system and type of web browser the User is using, email patterns, as well as the name of User’s ISP. This information is used to analyze overall trends to help Us improve Our Services. The linkage between the User’s IP address and the User’s personally identifiable information is not shared with or disclosed to third parties. Notwithstanding the above, We may share and/or disclose some of the aggregate findings (not the specific data) in anonymized form (i.e., non-personally identifiable) with advertisers, sponsors, investors, strategic partners, and others in order to help grow Our business.
  • Please be aware that We have a strict no-spam policy and do not rent, sell, disclose, or share personal information about You with other people or non-affiliated companies without Your permission, except to provide you with the Services that You have requested or as otherwise specifically provided for in this Policy.

You agree that in addition to as may be provided in this Policy, We may also disclose Your personal information under the following circumstances:

Third-party service professionals and/or providers: We engage, retain or might, as per requirement and business needs of the Company, employ, engage, contract with third-party service professionals/providers to work on behalf of or with Us, under agreements containing confidentiality obligations and in accordance with the law, in relation to the services provided by Us on the Platform. These third-party service providers may use Your personal information in assisting Us to communicate with You about Our offers, feedback on Services, assist in payment facilities, provide customer support, assist in advertising on the Platform, etc. We may employ third-party companies and/or individuals to help improve or facilitate our service, to provide the Service on our behalf, to perform platform-related services, including but not limited to: payment processing, maintenance services, fraud detection services, database management, web analytics, monitoring, delivery/logistics, and evaluation services. In this event, your information may be shared with such third-party companies and/or individuals;

Compliance with the law and user protection We may release your personal information to comply with the law, in response to court orders, court summons, judgments, decrees, injunctions, arbitral awards, administrative orders, governmental investigation or orders of any government authority, or any other legal process, to establish/exercise Our legal rights or defend against legal claims, or if We reasonably believe that doing so is legally required or in your best interests. We may also disclose your personal information to enforce and completely comply with Our terms of service and other Company policies.

Business transfer and mergers: We may transfer Your personal information if the Company, is acquired by or merged with another company, to the extent permitted by applicable law and/or required under the scheme/arrangement of a merger, etc. In such an event We will notify You before Your personal information is transferred/shared with the other entity and hence becomes subject to a different Privacy Policy;

Contracting parties: We transfer/share your information with our service professionals, group companies, or commercial partners to make it easier for You to obtain/provide Services.

With Your consent addition to the aforementioned circumstances, We may share your personal information with third parties with Your prior consent and/or at your request if necessary in the future course of time.

Security

We understand the serious implications of data security and take extensive measures to ensure Your data and information is secured. We take extensive technical and legal measures to safeguard Your personal data and information.

  • The Platform uses a reliable SSL certificate to ensure Your personal data and information is not misused in any manner whatsoever. We use SSL encryption when transmitting certain kinds of information, such as financial services information or payment information.
  • Our employees and data processors, who have access to, and are associated with the processing of sensitive personal data or information, are obliged to respect the confidentiality of every User’s personal information or sensitive personal data and information.
  • We have implemented methods and technology in compliance with good industry standards and applicable regulations to ensure the security of all personal data and information from the moment of collection to the point of deletion. Any third-party data processor to whom We send personal data and information must agree to follow those procedures and policies or put suitable safeguards in place on their own.
  • It is important for You to protect against any unauthorized access to Your OTP, Your contact details and Your mobile phone. Ensure You log off from the Platform when finished. We do not undertake any liability for any unauthorized use of Your account.
  • If You suspect any unauthorized use of Your account, you must immediately notify Us by sending an email to support@wiseant.co. You shall be liable to indemnify Us due to any loss suffered by Us due to such unauthorized use of Your account. Please note that We make all User information accessible to Our employees, agents or partners and third parties only on a need-to-know basis and binds only its employees to strict confidentiality obligations.
  • In the event of a security breach, We will make all legally required disclosures to You regarding the breach and the confidentiality or integrity of Your unencrypted electronically stored "personal information" via email or by posting it on the Platform without undue delay, insofar as is consistent with any legitimate needs of law enforcement and any measures required to determine the scope of the breach and to safeguard the integrity of data.
  • WiseAnt is concerned about our clients' data and privacy. To ensure our systems maintain strong security measures, we combine security at numerous stages within our goods with cutting-edge technology. The entire data and privacy security design enables us to defend our systems against low-hanging fruit issues as well as complex threats.
  • If you are a security enthusiast or a researcher and you have found a possible security vulnerability on WiseAnt, we encourage you to report the issue to us responsibly. You could submit a bug report to us at support@wiseant.co with detailed steps required to reproduce the vulnerabilit

Collection and Use of Non-Personal Data

Non-personal data is information that cannot be used to identify a specific person. We may gather data about consumer activity on Our Platform. We will use this aggregated information for research and analysis, to enhance and monitor Our services, and for various promotional schemes and offers. Such non-personal data may be shared with a third party in aggregated, non-personal form to improve customer experience, offers, or services. The Platform employs cookies, and You will be prompted to accept all cookies when using the Platform. We may place text files in Your computer's browser files.

Tracking Data

We use cookies and other tracking technologies to monitor and record activities on our Service. Cookies are little data files that may contain an anonymous unique identification. Cookies are little text files that are transmitted to your browser from a website and kept on your device. Beacons, tags, and scripts are also tracking technologies used to collect and track information and to develop and analyse our Service. You can tell your browser to reject all cookies or to notify you when one is received. However, if you do not accept cookies, you may be unable to utilise certain aspects of our Service. Examples of cookies we use:

  • Session Cookies. We use Session Cookies to operate our Service.
  • Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
  • Security Cookies. We use Security Cookies for security purposes.
  • To enable advertisements delivery, including behavioral advertising.

How we store and process your data

We process and store your data in high security data centers within the AP, operated by Amazon Web Services and SQL Platform. And protected through signed data protection addenda. Amazon Web Services (AWS) is a hosting and backend service provided by Amazon Web Services, Inc.

Basic information:

By default, this comprises User Data such as id, name, photo, gender, and location. Certain User relationships, such as Friends, are also available. More information will be provided if the User has made more of their Data public.

Security of Data

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Basic information:

By default, this includes certain User’s Data such as id, name, picture, gender, and their locale. Certain connections of the User, such as the Friends, are also available. If the User has made more of their Data public, more information will be available.

Contact email:

Access the User's contact email address.

Remarketing and Behavioral Targeting

This type of service allows Wiseant and its partners to inform, optimize and serve advertising based on past use of Wiseant by the User. This activity is facilitated by tracking Usage Data and by using Trackers to collect information which is then transferred to the partners that manage the remarketing and behavioral targeting activity. Some services offer a remarketing option based on email address lists.

Analytics

The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.

Google Analytics (Google LLC)

Google Analytics is a web analysis service provided by Google LLC (“Google”). Google utilizes the Data collected to track and examine the use of Wiseant, to prepare reports on its activities and share them with other Google services.

Posthog

Tracking and Monitoring the user behaviour and preparing reports on its activities from Posthog.

Disclosure of Data

Under certain circumstances, Wiseant may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities

Legal Requirements

Wiseant may disclose your Personal Data in the good faith belief that such action is necessary to comply with a legal obligation, To protect and defend the rights or property of Wiseant, To prevent or investigate possible wrong doing in connection with the Service, To protect the personal safety of users of the Service or the public, To protect against legal liability

Security of Data

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Contact Us

You can contact us with any questions regarding data protection via support@wiseant.co or by mail to the address of Wiseant, Processing and use of your personal data, along with requests for access to, rectification, blocking or erasure of data.

Jarvis Software Private Limited, +91 99400 39434, +91 63832 98980 Office Address: 203, Poonthottam Street, Tiruvottiyur, Chennai, Tamil Nadu 600019. Registered Address: No 268, F Block, TNSCB Quarters, Tiruvottiyur, Chennai, Tamil Nadu.