Privacy Policy
Bharatage Innovations Private Limited (GenWise)

Updated on: 16 March 2024

Objective

The Privacy Policy is meant to help you understand the information, whys and hows of the information collected by our website i.e. https://genwise.club and the mobile application i.e. GenWise (collectively referred to as “Platform”)

When does this Privacy Policy apply

The Privacy Policy applies to all the product or features or services offered through the Platform.

For some of the products or features or services offered in partnership with third party service providers, privacy policy of such third party service provider shall also be applicable

Information that Platform collects & Purpose

In order to provide better Platform experience, we may collect or access and/or store the following information from you:

• Personal Information

• Information Collected - We may collect your personal information such as your name, gender, email address, mailing address, age, identification documents etc. when you apply for or sign up as a user on the Platform.

• Purpose - These details are required to create your unique profile on the Platform and provide/offer product /features or services through the Platform.

• Family & friends Information  **

• Information Collected - We may collect the information you share with us for your family & friends including name, relationship, gender, age, mobile number, email address or similar information.

• Purpose - These details may be used to offer certain product features or services available on the Platform.

• Camera

• Information Collected - We may require access to camera to enable you to submit your selfies and to upload photos or documents on the Platform.

• Purpose - Camera access may be requested to enable you to have a smooth onboarding process or  in case you wish to upload any photo or document on the Platform to avail any of the product features or services on the Platform. 

• Microphone

• Information Collected - We may require access to microphone to make certain features & facilities available on the Platform.

• Purpose - Microphone access may be required for adding voice messages to the greeting features or transactions on the passbook or any such similar features on the app.

• Screen sharing

• Information Collected - We may request for sharing your screen to avail some of our personal assistant features on the app or similar features.

• Purpose - The Platform allows you to reach out to our dedicated agents to seek assistance for various purposes such as booking a cab through mobile phone, ordering food etc. For providing this assistance, the agents may request you to share your screen with them or seek your permission to share their screen with you.

• Phone Number

• Information Collected - We may collect unique mobile number provided by you at the time of signup. This is unique for each account on the Platform

• Purpose - This information is required to provide you access to your profile on the Platform. We will use this to communicate with you about our products and services, contests from sponsors or advertisers.

• Device Information

• Information Collected - We may collect information about your device such as mobile device, model number, hardware model, operation systems/version, network connectivity, carrier details and other similar information.

• Purpose - These details may be required to ensure that you have the latest version of the Platform mobile application, receive application updates, to prevent frauds such as suspicious logins behaviour and to allow the Platform application to perform consistently.

• Location Information

• Information Collected - We may collect geolocation information such as your IP address, location access or similar details

• Purpose - These details may be requested for proper functioning of certain services/product or features and will also help in fraud check/behaviours.

• Contacts

• Information Collected – We may request for access to your contacts to enable you to avail certain product features or services.

• Purpose - This will help us smoothen the process of adding a family member and/or other services during the onboarding journey.

• Bank Account Information & other payment information

• Information Collected - For select product feature or service, you may be required to link your bank account and payment modes with your account on the Platform.

• Purpose - For products like Risk free passbook on the Platform, you may have to link your bank accounts to the Platform. Also, for purchasing any product or services on or through the Platform, you may also add payment instrument details on the Platform.

• SMS Permissions

  1. 1. • Information Collected - We may request for access to READ, RECEIVE and SEND permissions on SMS

        • Purpose - For UPI, we need above permissions to verify mobile number and complete SIM binding. The same is stipulated by NPCI - National Payments Corporation of INdia

• Others

• Information Collected - As may be explicitly required & and consented by you from time to time.

**  Before providing any details of any family and/or friend over the Platform, you undertake to take explicit consent from such family and/or friend. Please note that the Platform shall be under no duty or obligation to ensure the authenticity or accuracy, or validity of the consent obtained by you from family and/or friends or the non-availability of the such consent. You agree to indemnify and/or defend the Company, its Partners and/or its authorized entity/person, against any loss, damages, civil or criminal proceedings and/or any liability which may arise and/or be caused due to breach of this obligation.

The Platform may contain links to third party applications/websites that may collect personally identifiable information about you. In the event you access such third party applications/websites, please be aware that the privacy policy of such third party shall be applicable on the information collected from such applications/websites. Please refer to the privacy policies of such third parties before sharing any data with them.

Information collected from you & shared with third parties

We may share the information collected from you with third parties on a “need to know” basis to provide better product, features and/or services on the Platform. Following are third parties to whom your information is shared:

1. Identity verification & information providers - In order to verify your identity while onboarding on the Platform and/or at the time of availing select products and/or services, we may share select details with third parties to verify/authenticate such credentials in accordance with applicable laws.  E.g. verification /authentication of identity documents such as PAN, Driving license through Digilocker or similar partners.

2. Partners (providing select product /service through our Platform) - In order to verify your identity while onboarding on the Platform and/or at the time of availing select products and/or services, we may share select details with third parties to verify/authenticate such credentials in accordance with applicable laws.  E.g. verification /authentication of identity documents such as PAN, Driving license through Digilocker or similar partners.

3. Tech Partners/Service Providers -  We may share your information with our technology partners/IT service partners which enable the smooth functioning of the Platform. E.g. Cloud space service provider such as AWS, Google Cloud, messaging service providers, data centers etc.

4. Marketing & Sales Partners - We may share your information with our marketing agency, data analytics companies & sales partners for the purpose of improving the overall Platform product and/or services offering. E.g. For conducting survey for new products/features, for promotional offers/campaign by our partners etc. 

5. Regulatory / Legal institutions - We may share your information with any governmental or regulatory authority, if they demand so. This is required for being compliant with applicable laws or for supporting in any investigation. E.g. sharing information with police officials for an ongoing investigation

6. Banks, payment processors, Prepaid Instrument Issuers (Wallet or Card), Card Networks or similar third party service providers - We may share your information with third parties such as banks, credit card networks, Prepaid Instrument such as wallets, payment gateways, or similar payment processors for facilitating the purchase/sale of product/service through the Platform. E.g. Online payments through cards/UPI/NEFT etc for purchase of any product / services on Platform

Privacy Control

For some of the information such as Camera, Contacts, Demographic Information, SMS, you may control or limit the access to such information by going on “Settings” on your device. Please note that such restrictions may limit the availability and/or functioning of certain product feature or services on the Platform. Platform or any of its associated partners shall not be liable for any limited availability or non-functioning of a product feature or services due to restriction in access to such information.  

Securing your information

We take reasonable security measures in accordance with the applicable law to maintain privacy and confidentiality of your information and data available with us and to prevent any unauthorized access, use and/or disclosure of the data.

Please note that we or any of partners or any person authorized by us will not ask to share any sensitive data or information such as account credentials, OTP, card details, CVV, ATM PIN etc. Please do not share such details with anyone (even if such person claims to be authorized by us or any of our partners)

How long we retain your data

Depending on the data collected, it can be retained for different periods. Some of the data is stored for a longer period, due to regulatory requirements such as transaction data, details of product/services availed etc., for business & legal purposes such as resolving any complaints, defending any claims against us, complying with the legal requirements for preservation of the records.

Changes to the Privacy Policy

The Privacy Policy is subject to change from time to time and we will make all reasonable efforts to intimate and update you of any changes, if required, via email or SMS or WhatsApp or notification on the Platform. We suggest you to kindly visit and review the Privacy Policy available on the Platform, from time to time. In case, you need any clarification regarding privacy policy, please contact the details given under “Contact Us”

Contact Us

You can reach out to us for any concern or query or clarification or to update any information on the Platform at below given details:

Level 1: Customer Support

Level 1: Customer Support

Email: contact@genwise.club
Call:  +91-9319192260
Timings: Monday to Saturday 10 AM to 7 PM

Our customer support aims to resolve all your complaints within 3 business days

Level 2: Escalate to our Grievance Cell

Email: grievance@genwise.club
Working hours: Monday to Friday from 10:00 a.m to 7:00 p.m. We aim to resolve your complaint within 10 business days.

Governing Law and Jurisdiction

This Privacy Policy will be governed by and construed in accordance with the laws of India and subjected to the exclusive jurisdiction of Courts of New Delhi.