19 September 2023

Privacy Policy

We, Paci Fintech FZ LLC, a free zone limited liability Company(“Company”), are the proprietors of the Paci (“Application”) and domain name paci.ai (“Website”), including but not limited to the content, information, products and services offered therein (“Services”) This Privacy Policy gives you an overview and sets out the basis on which the personal information/data that we collect from you on the App, Website or that you provide to us, will be processed. This Privacy Policy shall apply to our Users who access, download, install, browse and/or use the App or the Website, including the Services therein. For the purpose of this Privacy Policy, wherever the context so requires: (a) The terms ‘We’, ‘Us’, ‘Our’ shall mean and refer to the Company; (b) The term ‘You’, ‘Your’, ‘User’ shall mean the legal person accessing or using the Services on the App or Website; (c) The term ‘Website’ shall mean and refer to the domain name paci.ai; (d) The terms ‘Party’, ‘Parties’ shall respectively be used to refer to the Company or the User, individually or collectively. By installing, downloading, accessing, registering, and using the App or the Website, you agree to provide consent to the collection, use, retention, disclosure, and storage of your information/data, as per our Privacy Policy terms herein. You agree to have provided the information or sensitive personal information voluntarily. Hence, by providing express assent and confirmation to Privacy Policy, you provide your consent to such collection, use, disclosure and retention of such information and sensitive personal information as required under the applicable laws. If you do not agree to the terms of the Privacy Policy, you can discontinue using the Services and/or uninstall or delete the App or close the website.

What information is collected by the App or Website? And How Do We Collect it?

  1. Personal Information:


    1. When you download, install, access, or register with the App or access or use the website, you are required to provide personal information, including your name, contact number, email address, postal address, username and password.

    2. When you use the Website or the App on your phone, we may collect certain information such as your phone number and your current location.

    3. When the organisation you are currently employed with registers with the App/website, you provide your consent to share your personal information with your organisation and its representatives.

    4. You may sync your current address book on your phone with the App, which would allow us to connect you with other users of the App that are also part of your contact list.

    5. You may allow us access to your photo gallery, files, or other media on your device, that you may choose to upload or share on the App.


  2. Demographic Information:To access the Services on the App in a given location, you may be required to provide your location details by turning on the GPS on your phone, including providing other related details, such as time zone, postal address, etc. Through reasonable means and technologies, we may verify your exact location, to determine your location and the accuracy of location details shared by you. We may also store such details to provide you the Services you wish to avail of from the App.


  3. IP Address & Domain Servers:We may collect such non-identifiable information such as network servers, Internet Protocol addresses, browsers, domain servers, Wi-Fi, to help diagnose problems with our App, Website or Services offered, analyse overall trends to improve the Services, analyse your usage of near field communication. This information would help us understand the demographics of users that are accessing our App, so that we can collect statistical data such as the number of “page views” and “hits”, that would be gathered for broad usage information only. Any information that needs to be shared with advertisers, sponsors, investors, and strategic partners, would be disclosed or shared in an anonymous or non-personally identifiable manner to help improve our services and business.


  4. Financial Information:We may collect information such as bank account details, credit, debit card details, or other related details as required. We do not store any financial information and have only a read only access with data being secured through 256- bit keys.


  5. Third Party Accounts: We may collect information such as bank account details, credit, debit card details, or other related details as required. We do not store any financial information and have only a read only access with data being secured through 256- bit keys.


  6. Any other information, details, documents, or records that are easily, freely available, and accessible in the public domain.

Use Your Information

  1. We collect and use your information to provide updates and statistical data regarding the number of registered Users of the App, within a specific radius of your location.


  2. We may use your email address for communication purposes, obtain feedback from you regarding the Services, or inform you regarding any new products or services.


  3. We may use and share your email address with the representatives of your organisation or authorised officials from any public authorities to contact you, if requested for.


  4. We may also use information provided by you for the following purposes of publishing such information on the App or Website or on other social media pages, to serve as reference for existing or potential clients, to provide video logs, presentations, testimonials, e-mailers, banners, interviews to the news media for press releases or at conferences and seminars.


  5. We may collect and use your information to analyse how you use the App; the responses received based on your use of the App; and to modify, improve and customise the Services offered on the App or website.


  6. We may use the information for purposes pertaining to de-bugging customer/user support related issues.


  7. We may send you text messages/emails using your phone number or email address for verification purposes and to provide notifications of our Services. In case you choose to unsubscribe to such notifications, you may write to us or change the settings available on the App.


  8. We may use your information to notify you of special offers and promotions the Company offers and other promotional and marketing materials.


  9. We may use the information as part of our efforts to keep the App and our Website safe and secure.


  10. We may use the information to processing payment transactions through third party providers, such as banking institutions, payment gateways, financial institutions, payment wallets or other related service providers.


  11. We may use your information to provide suitable attributions to You pertaining to any content uploaded or shared by You on the App.


  12. We may conduct user surveys to understand your preferences or choices, and your response would be kept anonymous. Such surveys may require you to share information such as name, email address, phone number, mailing address to register or participate in the surveys. The response and the information shared would be used to understand the users’ preferences to help better the Services offered by us.


  13. If we become aware that you have provided, false, inaccurate, or are violating any third persons’ or entity’s intellectual property rights or privacy rights, we reserve the right to immediately suspend, delete or terminate your account or undertake such actions or suitable remedies under the applicable laws to protect our and our other user’s interests.


Disclosure of Personal Information to Third Parties

To provide effective Services to You, and to further our legitimate interests, we reserve the right to share your information as follows:


  1. We may disclose your information to any member of a group of companies, affiliates, subsidiaries, or business partners, to the extent that may be reasonably necessary to offer the Services, to prepare any analysis/reports based on Your use of the App, and for the purposes as set out in this Privacy Policy.


  2. Third-party service providers that we may engage may have access to your personal information to perform the Services on our behalf contractually.


  3. We may only share analytical and statistical data and reports with the Government Authorities of Dubai upon request.


  4. In relation to any financial transactions that may arise on the App or Website, handled by third party payment service providers, we would share the information necessary for processing your payments.


  5. While offering Services on the App or the Website and based on our business and operational model, we may hold your personal data or information on servers located in India or any other country outside Dubai, which would also adhere to and apply security measures and protections similar to that present on the App and as may be reasonably applicable to the laws of those countries.


  6. We may also disclose your personal information, without notice, if necessary and required to do so by the applicable rules, regulations, laws, law enforcement agency, legal authority, governmental official, legal processes or at the governmental request; or as may be required in the Court of law or other statutory bodies and to protect our rights or those of others to prevent any harm to person or property.


  7. We may maintain records of any electronic communications or calls that have been made with you while offering the Services, for research and evaluation purposes and for better administration of Services.


  8. Our App or Website may contain third-party links. If you directly disclose any personally identifiable information or sensitive data through Third-Party Links or public forums, your information may be collected and used by third-party websites or platforms. We would recommend that you read their privacy policies before sharing or disclosing your personal information therein.

Reasonable Protection of Information

  1. All information that You have shared with us would be centrally stored on our secure servers. Our servers are password and firewall protected.


  2. We assure to take all reasonable security practices and procedures, including appropriate encryption and physical, operational and technical security measures to safeguard and protect the information you have shared with us against any improper use, unauthorised access and disclosure, on the App/Website and other systems and servers on which we store it. However, we do not take any responsibility or liability of loss of data or data theft caused due to unauthorised access to your electronic devices through which you avail the Services.


  3. You agree to keep your password and other log-in details confidential and against unauthorised access. If you suspect any unauthorised use of your account, you must immediately notify us by sending us an email at operations@paci.ai. We undertake no liability for any unauthorised use of your account and password.


  4. We do our best in securing your information in places that are not easily accessible to the public, however, you understand that no security systems are impenetrable. Hence, we can neither provide any assurance or guarantee in the security of our databases nor that the information you provide would be intercepted while sharing it with us on the App/website, and you acknowledge that any transmission is at your own risk. If you do not wish to take such risks, we recommend you not use the Services.


  5. We disclose and share your information to our employees, data processors, representatives, agents or partners and third parties only on a need-to-know basis. We take all reasonable security measures and place procedures and technologies as per industry practice to protect and secure the information you provided to us, preserved both in electronic form or offline, and ensure that all information shared with our employees, data processers, representatives, agents, partners, etc. shall be maintained in confidentiality. Any third-party data processers shall also be required to comply with requisite reasonable security measures or policies or place such adequate measures to protect your information.


  6. We disclaim all responsibilities pertaining to breach of security that is beyond our reasonable control, such as computer hacking, computer crashes, unauthorised access to our servers and devices, government acts, breach of encryption etc.

Retention of your Personal Information

  1. We will retain your personal information with us as long as it is necessary to fulfil the purposes for which we have collected it, including to satisfy any legal, accounting or reporting obligations.


  2. We will retain your personal information on the App/website for a period of two years from the date on which it is last recorded.


  3. In any event, we would retain your personal information for the following purposes:


    1. To the extent that it is necessary to do so by law;

    2. If it appears that the information is relevant for any ongoing or prospective legal proceedings;

    3. In order to establish and defend our legal rights.

    4. In order to send marketing and promotional materials, offers or newsletters, only until the consent is withdrawn by using an unsubscribe function.

    5. For archival, research, evaluation and administrative purposes.

Your Rights to the Personal Information

  1. As a registered user of the App/website, you may at any point request to access the personal information we have collected on the App or Website.


  2. You have the right to correct, alter, or modify the information shared with us at any point and keep it updated. We take no responsibility for the correctness or authenticity of any information you share with us, and we are not responsible for verifying or rectifying the same. You agree to be responsible in maintaining the correctness and accuracy in the information you submit, and in case of any changes in the information provided, we encourage you to correct, amend, and delete any inaccuracies in the information on the App. If we have reasonable grounds to suspect that you are providing inaccurate, false, or misleading data, we may cease from providing you the Services and/or may also delete your account without any prior notice to you. In circumstances where we retain your personal information for the sole purposes as detailed in the section provided above, we will not correct, delete or update your personal information.


  3. You may reach out to us for the deletion or erasure of any personal information that you have shared with us or is available on the App/website unless we have the legal rights to retain it. You may also choose to delete your account or withdraw consent or cancel the account by accessing the settings on the App. Even if your account is deleted or cancelled by you or us, we may retain such personal information as provided above. Please note that your withdrawal of consent, deletion or cancellation of account would result in us not being able to provide you with any of the Services.


  4. You can contact us to access, delete or modify information that you may have inadvertently shared with us without reading the privacy policies or agreeing to the manner in which we have collected, used or disclosed such information.


  5. You can reach out to us if you wish to withdraw consent or opt-out of receiving any marketing or promotional related information pertaining to the Services or the App/Website, by contacting us or by using the unsubscribe facility.


  6. You may object to processing your information where we rely on a legitimate interest, and your fundamental rights outweigh our legitimate interest.


  7. You may reach out to us to request the restriction of processing your personal information where you want us first to establish the accuracy or the reasons for processing it.


Cookies

We may collect certain information about our users through cookies and similar technologies in order to provide a customised page based on the browsing preference on the App or Website. To provide a better user administration and browsing experience, we understand the pattern on which our user interacts with us through web traffic routing. We also use these cookies for research and development and the website’s technical administration. While optimising services to you, we may allow authorised third parties to provide a unique cookie on your browser.

Usually, web browsers automatically accept cookies. However, browser settings may be modified to disable such cookies, you may still use the Website/App, but it may restrict a user to access some features and services. Our App and Website allow a user to avail or decline and schedule alerts when a software-based web application attempts to place a cookie.

Any third-party sites or links placed or displayed within the Services or the App/Website are not controlled or owned by us. These third-party sites or links may place their own cookies and collect data or personal information from their users. We are not responsible for any such collection of data by these third parties and make no representations concerning their privacy policies or terms of use. If you decide to visit a third-party website linked to the App/Website, you do this entirely at your own risk, and we highly recommend that you read the privacy policies of that website.

Children’s Privacy

It is pertinent to protect children’s privacy, especially on the Internet. The Website and App have not been developed or created for children below the age of 18 years. Hence, we take no responsibility in relation to any content or information that we may have collected unknowingly from children under 18 years. Should you be below the age of 18 years, we request you Not to use the Website, App or the Services herein.

Changes to Privacy Policy

  1. We reserve the right to alter, modify or change the Privacy Policy without providing any prior notice. We encourage you to constantly review our privacy policy to be notified of such changes from time to time.


  2. We reserve the sole discretion to remove or delete any data or information you share, post or upload, including the account itself, without any notice to You or without any reason.

How to Contact us:

In the event of any complaint or grievances with respect to the Company, its Website or the App or the services therein, including any discrepancies in relation to the information we are processing, you may connect with the Data Protection officer at:

Data Protection Officer: Abdul Ghafoor Fazal
Address: HD 283, in5, Dubai Internet City, Dubai
Ph. No.: +971 55 8895924
Email ID: operations@paci.ai
The Privacy Policy was last updated on 20- September -2023