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Fable Fintech

Fable Fintech's Privacy Policy

Fable Fintech Pvt. Ltd. is committed to protecting the privacy and confidentiality of Personal Information about its employees, customers, business partners and other identifiable individuals. Fable policies, guidelines and actions support this commitment to protecting Personal Information. Each employee bears a personal responsibility for complying with this policy in the fulfillment of their responsibilities at Fable.

Scope

The scope of this Policy includes all business units of Fable Fintech Pvt. Ltd. hereafter referred to as Fable. This policy covers all of Fable information, systems, networks, and other information assets to ensure adequate controls are in place to ensure the confidentiality, integrity, and availability of our data. These critical assets must be managed and controlled to protect our company from loss due to misuse, disclosure, fraud, or destruction. It also covers all the contractors, vendors, agents or authorized representatives of Fable or its partners.


Applicable Audience

This Policy applies to all colleagues, contractors, and vendors of Fable. The term "colleague" refers to all full-time employees, part-time employees, temporary employees, and interns who provide services to Fable. The term “contractor” refers to any individual on another company’s Payroll (contactors, outsourcers, consultants, contingent workers, temporary agency workers, etc.) who provides services to Fable. The term “vendor” refers to all other third parties with which Fable does business with. 


Compliance & Enforcement

Compliance with this Policy is mandatory. Potential violations of this policy are subject to review and investigation by Fable and/or its agents. Violations of this policy may result in disciplinary actions, up to and including removal of assignment, end of contract for vendors, or termination. Fable reserves the right to refer for prosecution in case of any violations of this policy. This Policy supersedes and replaces all previous policies relating to its subject matter. Fable reserves the right to modify the Policy at its sole discretion at any time with the intent to review on an annual basis. 

Policy

1 Privacy Policy 

Fable respects the privacy of its employees, customers, business partners, vendors, service providers, suppliers, former employees and candidates for employment and recognizes the need for appropriate protection and management of personal information. Fable is guided by the following principles in processing personal information: 

1.1.1 Notice: When collecting personal information directly from individuals, Fable strives to provide clear and appropriate notice about the: • Purposes for which it collects and uses their personal information. • Types of non-agent third parties to which Fable may disclose that information, and • Choices and means, if any, Fable offers individuals for limiting the use and disclosure of their personal information. 

1.1.2 Choice: Generally, Fable offers individuals a choice regarding how we process personal information, including the opportunity to choose to opt-out of further processing or, in certain circumstances, to opt-in. However, explicit consent from individuals is not required when processing personal information for: • Purposes consistent with the purpose for which it was originally collected or subsequently authorized by the individual. • Purposes necessary to carry out a transaction relationship. • Purposes necessary to comply with legal requirements. 

1.1.3 Security: Fable takes reasonable and appropriate measures to protect personal information from loss, misuse and unauthorized access, disclosure, alteration and destruction, taking into due account the risks involved in the processing and the nature of the personal information. 

1.1.4 Data Integrity and Purpose Limitation: Fable will only process personal information in a way that is compatible with the purpose for which it has been collected or subsequently authorized by the individual. Fable shall take steps to help ensure that personal information is accurate, reliable, current and relevant to its intended use. 

1.1.5 Access: Fable provides individuals with reasonable access to their personal information for purposes of correcting, amending or deleting that information where it is inaccurate or has been processed in violation of the Fable data privacy principles. 1.1.6 Recourse, Enforcement and Liability: Violation of this policy by an employee or contractor of Fable will result in appropriate discipline up to and including termination.


2-Information Treatment

Based on the requirement, we may collect the following information, which may include non-public personal information. 2.1.1 Information that you provide us in the course of using the Service, such as your name, address, email address, and telephone number. We may also collect certain sensitive information from you including your bank account number, date of birth and social security number. 

2.1.2 Information that you provide us in the course of your participating in various partner promotional programs. 2.1.3 To facilitate our Service, we request certain third party personal information from you such as your recipient's full name, physical address, email address, and phone number. We may also collect from you the recipient's sensitive financial information including their bank account and routing number. 

2.1.4 Information about your usage of the Service, including your transaction history, and how and to whom you use the Service to send or receive money. 

2.1.5 Information that we lawfully obtain from third parties, such as identity verification services, electronic database services, and credit reporting agencies. 

2.1.6 Information that we indirectly obtain from you, such as information about the hardware and software you use when accessing the Service, your IP address, the pages you access on this website, and other websites that you visit prior to accessing the Service.


3 Information Collection Methods

3.1.1Website Usage Data: With or without cookies, our Web site keeps track of usage data, such as the source address that a page request is coming from, your IP address or domain name, the date and time of the page request, the referring Web site (if any) and other parameters in the URL. We use this data to better understand Web site usage in the aggregate so that we know what areas of our Web site users prefer. This information is stored in log files and is used for aggregated and statistical reporting. 

3.1.2Co-branded and Third-Party Sites: With or without cookies, our Web site keeps track of usage data, such as the source address that a page request is coming from, your IP address or domain name, the date and time of the page request, the referring Web site (if any) and other parameters in the URL. We use this data to better understand Web site usage in the aggregate so that we know what areas of our Web site users prefer. This information is stored in log files and is used for aggregated and statistical reporting. If we make changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we'll post those changes to this privacy statement as and when they come into effect. In some cases, we may be required to disclose certain information to comply with a legal process, such as a court order, subpoena or search warrant.


4 Purpose of Data Collection

4.1.1 To process your transactions 

4.1.2 To verify your identity 

4.1.3 To collect payment for your use of the Service 

4.1.4 To allow our partners to fulfill their promotional obligations to you 

4.1.5 To troubleshoot problems with the Service 

4.1.6 To comply with applicable laws and regulations, such as those relating to "know-your-customer", and anti-money laundering requirements. 

4.1.7 To detect and prevent fraud and other illegal uses of the Service.

4.1.8 To send you marketing notices, service updates, and promotional offers. We will retain your information for as long as your account is active or as needed to provide you services. 


5 Information Sharing

5.1.1 We do not sell or rent the information we collect to third parties for their promotional purposes unless we receive your permission to do so. Nevertheless, we may share information about you (including nonpublic, personal information) with: 

5.1.2 Third-party service providers under contract with Fable that help us with our business operations, such as transaction processing, fraud prevention, and marketing. 

5.1.3 Third-parties that we partner with to offer additional products and services, such as long-distance telephone minutes, gift cards or loyalty points, but only when you elect to participate, and/or to receive information about those additional products and services. 

5.1.4 In the event of the sale, acquisition or merger of some or all of our assets, your personal information might be a part of the transferred assets. We shall notify you in the event of such an occurrence, as well as any choices you may have regarding your personal information, by placing a notice on our website. 

5.1.5 Law enforcement, government officials or other third parties, but only in connection with a formal request, subpoena, court order, or similar legal procedure when we believe in good faith that disclosure is necessary to comply with the law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our User Agreement. 

5.1.6 You can access, modify or update your personal information submitted on our website by logging into your account and changing your preferences.


6 Data Control 

6.1.1 Customer has all the rights and control over their personal data provided to us. Customers can request us for an overview of their data by putting up a mail to us. In certain situations, they can ask us to modify, erase, or block or restrict the processing of, the personal data we hold about them, or object to waysin which we are using their personal data; and we rely on clients/customers to ensure that their personal data is complete, accurate and current. Please do inform us promptly of any changes to or inaccuracies of client’s/customer’s personal data by contacting us. 

6.1.2 Where we are using personal data based on individual's consent, He/she is entitled to withdraw that consent at any time subject to applicable law. Moreover, where we process personal data based on legitimate interest or the public interest, individuals have the right to object at any time to that use of personal data subject to applicable law. We would also be required to notify our clients/customers, without undue delay, after first becoming aware of a data breach. In addition to this we will provide clients/customers to hold and process the data necessary for completion of its duties (data minimization), as well as limiting the access of personal data to those needing to act out the processing. If Clients/Customers wish to object to the processing of your personal data on the basis of legitimate interest and no opt-out mechanism is available, please contact us.




Usage of Data

  • You might have to provide us with your personal information or identification for the opening, verification or continuation of your or your organization's accounts and our services related to that account as per the business dealing between both parties.

  • If the above stated personal information or identification is not provided, it may result in the discontinuation of your account and services related to it.

  • Your personal data might also be used to contact you for offering other business related products and services.

  • Third-parties might get your personal data from us in case of;

  1. Verification of your credit worthiness.
  2. Customizing our products and services to your requirements.
  3. For our business needs and processes.
  4. Credit assessment.
  5. Your financial status.
  6. For marketing through direct or digital mediums to you and sending your promotional material. Including but not limited to phone calls, emails, direct messages, web and app based chat, videos, webinars, social media reach-outs and so on.
  7. For marketing for you, as stipulated in the business agreement between Fable Fintech and your organization.
  8. Administering or imposition of your business obligations and outstanding amounts if any.
  9. Our compliance with our obligations to you.
  10. For amendment of laws applicable to or binding us.
  11. To comply with the law of the land of any government, legal, tax, regulatory authority or any industrial authority, self-regulatory body and the financial service providers regulations that apply to us now and in the future.
  12. To adhere to any fidelity or contractual obligation, present or in the future, with local or foreign legal, law enforcement regulatory, tax, governmental, or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on us as a result of our financial, commercial, business, or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement, or other authorities, or self-regulatory or industry bodies or associations of financial services providers.
  13. Adhering to any duties, rules, policies, procedures, measures, or agreements for data and information sharing inside our intragroup firms, subsidiaries, or affiliates, as well as any other use of data and information in line with any group policy. -national programmes for sanctions compliance, as well as the prevention and detection of money laundering, terrorist financing, and other illegal activity.

Transfer of Data

In the event that Fable Fintech sells, transfers or otherwise relinquishes all or part of our assets, business offerings, or services, including any of Fable Fintech’s websites, information that you have shared with Fable Fintech or that Fable Fintech has collected, including both personally identifiable information and non-personally identifiable information, may be one of the business assets that will be transferred. We may also transfer or assign such information in the course of corporate divestitures, mergers, or dissolution. The transferred information will remain subject to the terms of this Privacy Policy or those of subsequent policies to which you have consented. 

Fable Fintech Privacy Policy Principles

  • To collect, use, or disclose your personal data, we shall first seek your consent.

  • We only collect personal information that we believe is relevant and required to help us run our business.

  • We utilise your personal information to improve our products and our customer service.

  • Your personal data may be sent to other parties, including Fable Fintech and our partner firms or agents, as recommended to you, worldwide, and as permitted by law, if you have given your consent. In compliance with the PDPA, any contracts with these third parties will include the appropriate provisions to secure the personal data that is being transmitted to them.

  • If required by law, we may be required to reveal your personal information to governmental or judicial organisations or agencies, as well as our regulators.

  • We will take reasonable steps to ensure that the personal information we have about you is correct and up to date.

  • We make appropriate security arrangements to prevent unauthorised access, collection, use, disclosure, copying, alteration, or disposal of personal data in our possession or under our control.

Content Removal

Fable Fintech reserves the right, but has no obligation, to monitor the user content you post on any of Fable Fintech’s websites.


We reserve the right to remove any such information or material for any reason or no reason, including without limitation if in our sole opinion such information or material violates, or may violate, any law, our Privacy Policy, or to protect or defend our rights or property or those of any third party.


Fable Fintech also reserves the right to remove information upon the request of any third party.

Data Retention

Following termination or deactivation of any of Fable Fintech’s website accounts, Fable Fintech may retain your profile information and user content for a commercially reasonable time for backup, archival, or audit purposes. Furthermore, Fable Fintech may retain and continue to use indefinitely all information (including user content) contained in your communications to other users or posted to public or semi-public areas of Fable Fintech’s websites after termination or deactivation of your account.


Fable Fintech retains the specific anonymous data collected and tied to your computer’s unique ID as described in this Privacy Policy for a certain period depending on the third-party analytics vendor being used. Such data may be aggregated and used for analytical purposes indefinitely.

Disclaimer

Nothing on this website or in its contents is meant to give legal, data protection compliance, or other professional advice. We disclaim any liability for any loss resulting from reliance on the information or contents provided on this website.


We are not responsible or liable for any matter relating to you or any third parties accessing or using this website and its contents, to the degree permitted by relevant laws.


Fable Fintech retains copyright on all the text, contents, graphics and trademarks displayed on this website with the exception of client and third-party logos which are used for information and representation purposes only.


The information on this site has been included in good faith and is for general purpose only and should not be relied upon for any specific purpose. The user shall not distribute text or graphics to others without the express written consent of Fable Fintech. The user shall also not, without Fable Fintech’s prior permission, copy and distribute this information on any other server, or modify or reuse text or graphics on this or any another system.


Although Fable Fintech tries to ensure that all information and recommendations, whether in relation to the products, services, offerings or otherwise (hereinafter “information”), provided as part of this website is correct at the time of inclusion on the web site, Fable Fintech does not guarantee the accuracy of the Information. Fable Fintech makes no representations or warranties as to the completeness or accuracy of Information. Certain links in this site connect to other Web Sites maintained by third parties over whom Fable Fintech has no control. Fable Fintech makes no representations as to the accuracy or any other aspect of information contained in such other Web Sites.


Fable Fintech hereby disclaims all warranties and conditions with regard to this information, including all implied warranties and conditions of merchantability, fitness for any particular purpose, title and non-infringement. In no event will Fable Fintech, its related partnerships or corporations, or the partners, agents or employees thereof be liable for any decision made by the user and/or site visitor for any inference or action taken in reliance on the information provided in this site or for any consequential, special or similar damages. Applicable Law and Jurisdiction of this Disclaimer are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. The user/site visitor agrees that in the event of any dispute arising in relation to this Disclaimer or any dispute arising in relation to the web site whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Mumbai (Maharashtra) (India) only for the resolution of all such disputes.


Except for the historical information herein, statement in this website, which includes words or phrases such as “will”, “aim”, “will likely result”, “would”, “believe”, “may”, “expect”, “will continue”, “anticipate”, “estimate”, “intend”, “plan”, “contemplate”, “seek to “, “future”, “objective”, “goal”, “likely”, “project”, “should”, “potential”, “will pursue”, and similar expressions or variations of such expressions may constitute “forward-looking statements”. These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. These risks and uncertainties include, but are not limited to our liability to successfully implement our strategy, our growth and expansion plans, obtain regulatory approvals, our provisioning policies, technological changes, investment and business income, cash flow projections, our exposure to the market risks as well as other risks. The company does not undertake any obligation to update forward-looking statements to reflect events or circumstances after the date thereof.

How We Protect Your Information

Fable respects the privacy of its employees, customers, business partners, vendors, service providers, suppliers, former employees and candidates for employment and recognizes the need for appropriate protection and management of personal information. Fable is guided by the following principles in processing personal information:

1.1.1 Notice: When collecting personal information directly from individuals, Fable strives to provide clear and appropriate notice about the: • Purposes for which it collects and uses their personal information. • Types of non-agent third parties to which Fable may disclose that information, and • Choices and means, if any, Fable offers individuals for limiting the use and disclosure of their personal information. 1.1.2 Choice: Generally, Fable offers individuals a choice regarding how we process personal information, including the opportunity to choose to opt-out of further processing or, in certain circumstances, to opt-in. However, explicit consent from individuals is not required when processing personal information for: • Purposes consistent with the purpose for which it was originally collected or subsequently authorized by the individual. • Purposes necessary to carry out a transaction relationship. • Purposes necessary to comply with legal requirements. 1.1.3 Security: Fable takes reasonable and appropriate measures to protect personal information from loss, misuse and unauthorized access, disclosure, alteration and destruction, taking into due account the risks involved in the processing and the nature of the personal information. 1.1.4 Data Integrity and Purpose Limitation: Fable will only process personal information in a way that is compatible with the purpose for which it has been collected or subsequently authorized by the individual. Fable shall take steps to help ensure that personal information is accurate, reliable, current and relevant to its intended use. 1.1.5 Access: Fable provides individuals with reasonable access to their personal information for purposes of correcting, amending or deleting that information where it is inaccurate or has been processed in violation of the Fable data privacy principles. 1.1.6 Recourse, Enforcement and Liability: Violation of this policy by an employee or contractor of Fable will result in appropriate discipline up to and including termination. 2 Information Treatment Based on the requirement, we may collect the following information, which may include non-public personal information. 2.1.1 Information that you provide us in the course of using the Service, such as your name, address, email address, and telephone number. We may also collect certain sensitive information from you including your bank account number, date of birth and social security number

Compromise of Personal Information

In the event that personal information is compromised as a result of a breach of security, as soon as Fable Fintech gets information of such an event having occurred, Fable Fintech will promptly notify those persons whose personal information has been compromised, in accordance with the notification procedures set forth in this Privacy Policy, or as otherwise required by law.

Your Choices About Your Information

You may, of course, decline to submit personally identifiable information through the Service, in which case Fable Fintech may not be able to provide certain services to you. You may update or correct your account information and email preferences at any time by adjusting your account settings or contacting us at infosec@fablefintech.com. You can review and correct the information about you that Fable Fintech keeps on file by contacting us directly at infosec@fablefintech.com.

If you do not want Fable Fintech to gather non-personally identifiable information when you encounter advertisements we deliver through Fable Fintech’s website, please click the opt-out link at the top of this Privacy Policy. The opt-out works by placing a flash cookie on your computer that notifies The Publisher that no other cookies should be placed on the applicable computer. If this cookie is deleted, then you will need to complete this opt-out process again. If you use more than one computer, you will need to complete this opt-out process on each computer that you use. The opt-out does not mean that you will no longer see online advertisements. It means only that advertisements delivered by Fable Fintech will not be targeted to you, based on information derived from cookies by Fable Fintech or its third-party vendors.

You can also limit targeted advertising by configuring your browser’s settings or changing the management panel of the Adobe Flash Player to limit your acceptance of or delete cookies. Because the management of cookies in various browsers differs, you should consult the documentation for your browser in order to manage your cookies. In order to limit the acceptance of or disable “flash” cookies, you must access the management panel of the Adobe Flash Player installed on your computer.

To learn more about the management panel of the Adobe Flash Player and the management of “flash” cookies, please access the following link: http://www.macromedia.com/support/documentation/en/flashplayer/help/index.html.

You can also opt-out of receiving cookies from third-party data providers by following the instructions at: http://optout.networkadvertising.org/?c=1. TRUSTe also provides you with ways to opt-out of behavioural tracking at: http://preferences-mgr.truste.com/.

You can opt-out of receiving cookies from Targusinfo, a specific third-party data provider, by following the instructions at: http://www.agkn.com/optout.html.

Also, because your choices are not associated with you as a particular individual, if you change computers, web browsers or cookie settings, you will need to re-implement your preferences as described above. 

Please Note that if you limit or disable cookies, this does not mean that you will not see ads on Fable Fintech’s websites or social media websites. Instead, ads will be displayed that are based on passive browser information or other information that that may be provided by Fable Fintech’s websites at the time of your visit.

Children’s Privacy

Protecting the privacy of young children is especially important. Fable Fintech and its related websites are not structured to attract children. Fable Fintech does not knowingly collect or solicit personal information from anyone underage or knowingly allow such persons to register for any of Fable Fintech’s websites. If you are not of legal age, please do not access Fable Fintech’s website or send any information about yourself to us, including your name, address, telephone number, or email address. In the event that we learn that we have collected personal information from a child underage without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child underage, please contact us at infosec@fablefintech.com.

Links to Other Websites

We are not responsible for the practices employed by websites linked to or from Fable Fintech’s websites, nor the information or content contained therein.


Please remember that when you use a link to go from within Fable Fintech’s websites to an outside website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including those that have a link on Fable Fintech’s websites, is subject to that website’s own rules and policies.


It should be assumed by readers that EVERY link on our website has a financial gain to the Fable Fintech. EVERY mention of a company, person or website on the website has a financial gain to Fable Fintech. EVERY word written has in some way a financial gain to Fable Fintech. Basically, everything on the website has a financial gain to Fable Fintech in some way, shape or form.


Please read over those rules and policies before proceeding.

Notification Procedures

It is our policy to provide notifications, whether such notifications are required by law or are for marketing or other business-related purposes, to you via email notice, written or hard copy notice, or through conspicuous posting of such notice on the applicable Fable Fintech website or service, as determined by Fable Fintech in its sole discretion. We reserve the right to determine the form and means of providing notifications to you, provided that you may opt out of certain means of notification as described in this Privacy Policy.

Governing Law

This Privacy Policy is created for Fable Fintech following the guidelines set by the Government of India. These policies may change from time to time and Fable Fintech tries it's best to keep our policies updated. However, if you notice any inconsistencies, please write to us at infosec@fablefintech.com.

Changes to this Privacy Policy

Fable Fintech may modify or update this Privacy Policy at its sole discretion from time to time, and so you should review this Privacy Policy periodically. Changes to this Privacy Policy are effective when they are posted on this page. Your continued access to Fable Fintech’s website after the Privacy Policy has been modified and posted will signify your acceptance of such modifications.

 

If you have any questions about this Privacy Policy, the practices of Fable Fintech's website or any grievance in connection with your use of the website, you may contact the Grievance Redressal Officer - Mr.Adeel Khan at  infosec@fablefintech.com.