As we update, improve and expand the Walnut App Service, this policy may change, so please refer to it periodically. By accessing the website, Walnut mobile application (hereinafter referred to as “Walnut App” or “App”) or otherwise using the Walnut App Services, you consent to collection, storage, and use of the personal information you provide (including any changes thereto as provided by you) for any of the services that we offer.
The Company respects the privacy of the users of the Walnut App Services and is committed to reasonably protect it in all respects. The information about the user as collected by the Company is: (a) information supplied by users and (b) information automatically tracked while using a mobile device having Walnut App Services enabled (collectively referred to as Information).
INFORMATION SUPPLIED BY USERS
To avail certain services on the Walnut App, users are required to provide some personally identifiable information for the registration process which may include:- a) your name, b) email address, c) phone number, d) access to your phone’s SMS inbox records d) debit card, credit card, bank details e) Aadhaar details, f) PAN g) residential address etc. and any other such information as required. The Information as supplied by the users enables us to improve the Walnut App Services and provide you the most user-friendly experience. All required information is service dependent and the Company may use the above said user Information to maintain, protect, and improve the Walnut App Services and for developing new services.
We may also use your phone number, email address or other personally identifiable information to send commercial or marketing messages without your consent [with an option to subscribe/unsubscribe (where feasible)]. We may, however, use your email address and phone number without further consent for non-marketing or administrative purposes (such as notifying you of major changes, for customer service purposes, providing information about updates to Walnut App Services, billing, etc.).
In case you choose to decline to submit personally identifiable information on the Walnut App/Site, we may not be able to provide certain services on the App/Site to you. We will make reasonable efforts to notify you of the same at the appropriate time. In any case, we will not be liable and or responsible for the denial of certain services to you for lack of you providing the necessary personal information.
When you register with the Walnut App Services, we may contact you from time to time about updation of your personal information to provide such features that we believe may benefit/interest you.
INFORMATION AUTOMATICALLY TRACKED WHILE USING THE APP OR SITE
SMS Inbox Information: The Walnut App also collects partial payment data and other information arising out of transactions made from cards, banks or while using other services through SMSes, after obtaining the User’s specific consent to allow the App to access the User’s SMS inbox.
The Walnut App accesses business messages that originate from alphanumeric senders. The Walnut App may read personal and OTP messages only if the CleanSMS feature is enabled, making it the default SMS app on your device. No personal SMSes or OTPs are backed up. Any SMSes reported by users are also used to train our Spam filter algorithm. Users can automatically delete OTPs with a setting to delete OTPs older than 24 hrs in the app.
The collection of such information is only limited to the extent that such data is available in the relevant messages. Walnut may also record the identity of the product or service and the price or fee paid or payable in respect thereof.
Demographic and Related Information: We may reference other sources of demographic and other information in order to provide you with more targeted communications and promotions. We use Google Analytics, among others, to track user behaviour on our website.
Google Analytics specifically has been enabled to support display advertising to help us gain an understanding of our users’ Demographics and Interests. The reports are anonymous and cannot be associated with any individual personally identifiable information that you may have shared with us. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings options provided by Google.
Log File Information: Our Servers automatically collect limited information about your device’s connection to the Internet, including your IP address, when you visit our Site or use the App. We automatically receive and log information from the App and/or your browser including but not limited to IP address, your device or computer’s name, and your operating system. We may also collect log information from your device, including but not limited to your location, IP address, your device’s name, device’s serial number or unique identification number (e.g. UDiD on your iOS device, Android ID or ADID on your Android Device), your device operating system, browser type and version, CPU speed, and connection speed etc.
Cookies: To improve the responsiveness of the Site for our users, we may use “cookies”, or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the user’s individual interests using the identified computer. Our partners may also assign their own cookies to your browser, a process that we do not control.
LINKS TO THIRD PARTY SITES / AD-SERVERS
The Company may share sensitive personal information with any third party without obtaining the prior consent of the User in the following limited circumstances:
- When it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing these Terms or for complying with the applicable laws and regulations.
- No personally identifiable data of an individual user such as name, phone number, email address, spends data, card details etc. would be shared with any other User and/or third party – unless explicitly approved by the concerned individual user in order to avail of certain services. However, if this conflicts with conditions mentioned in the immediate point above, this condition would become null and void.
The Company may also present information related to user spends, patterns and user data tracked by the company only in the form of aggregated statistics on data such as user spends by category, date, time, bank balances, etc. within our app/site or to our partners.
ACCESSING AND UPDATING PERSONAL INFORMATION
When you use the Walnut App Services Site (or any of its sub sites), we make efforts in good faith to provide you, as and when requested by you, with access to your personal information and shall further ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible, subject to any requirement for such personal information or sensitive personal data or information to be retained by law or for legitimate business purposes.
We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required.
In any case, where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.
INFORMATION STORAGE AND BACKUP
If enabled from the app, we take a backup of your data on Walnut App on our Cloud database. This is done for the purpose of enabling users to get their data back in case their phone’s data becomes unusable, if the phone is lost, or the user moves to a new phone device.
We also use this backup to provide useful insights and information related to their spends such as weekly spends in a month, insights related to spend behaviour, etc., and to provide information related to user spends, patterns and user data in the form of aggregated and anonymised statistics on data such as user spends by category, date, time, bank balances, etc.
We take appropriate security measures to protect against unauthorised access to or unauthorised alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorised access to systems where we store personal data. All information gathered on the Walnut App is securely stored within the controlled database. Access to the servers is password-protected and is strictly limited.
UPDATES / CHANGES
QUESTIONS / GRIEVANCE REDRESSAL
In the event you have any grievance relating to the processing of information provided by you, you may contact our Grievance Department, at firstname.lastname@example.org or write to us at the following address:
ThumbWorks Technologies Pvt. Ltd.,
#202, 2nd Floor, Rachana Ventura,
ITI Road, Aundh
Pune – 411067