Privacy Policy

At Gullak Technologies Private Limited (company, hereafter referred to as “Gullak Technologies”, accessible from https://myhubble.money), one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Gullak Technologies and how we use it.

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.

This Privacy Policy applies only to our online activities and is valid for visitors to our website/app (collectively referred to as “Platform”) with regards to the information that they share and/or collect on our Platform. This policy is not applicable to any information collected offline or via channels other than this website or our mobile app.

Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms.

Information we collect

The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you register for an Account, we may ask for your contact information, including items such as name, address, email address, and telephone number.

Categories of data/ information which we may process in order to serve you according to the service or product you opt for through our platform:

Categories of Data	Information Processed
Identity and Account Opening Information	Full name(s)
Contact Information	Telephone/mobile number(s), email address
Financial Information	For the purposes of enabling withdrawals, including the addition of beneficiaries, some, but not all, of the following data may be needed: personal and partner bank account numbers, banking details like e-NACH, NEFT, IMPS, and UPI ID specifics, credit or debit card information (which includes the card number, type, expiry date, and name printed on the card), salary and income specifics, as well as loan account details from other banks.
Identification Information	Our partner bank collects Know Your Customer (KYC) documents including all proofs of identity and address, photograph, Permanent Account Number (PAN), Aadhar Number etc.
Transactional Information (Money Flow)	Our partner bank accesses most, but not all, of the transaction data related to credits made to a user's Fino account. This includes the UPI ID, date, time, and source of the credit. Information such as the details from payment system providers and TPAPs, issuing bank name, merchant's name, product or service details, payment method, location, transaction currency and amount, success status of the payment, and other information provided directly or indirectly by the user, or supplied by banks, merchants or other service providers or business partners may also be accessed
Usage and Technical Information	We pass on IP addresses, application, device or browser type, versions and configurations, operating systems, device brand and model, time zone setting, geo-location information, content, unique identifiers associated with your device(s) and pages that you access on the Website(s), Apps or Platforms, and the dates and times that you visit the Website, App or Platform, and paths taken to our partner bank.
Marketing and Communication Information	Communications with customer service support, behavioural data (for example, data collected using cookies), surveys, and records of your decision(s) to subscribe or to withdraw from receiving marketing materials, if any.
Information in your device(s)	We may also access your contact list, call records, SMS, camera, media files and location data in your devices for various purposes after seeking necessary permissions and pass on the same to our partner bank.

How we use your information

We use the information we collect in various ways, including to:

Request for reviews of products or services or any other improvements.
Send verification message(s) or email(s).
Validate/authenticate your account and to prevent any misuse or abuse.
Provide, operate, and maintain our website.
Improve, personalize, and expand our website.
Understand and analyze how you use our website.
Develop new products, services, features, and functionality.
Deliver any administrative notices, alerts, advice, notifications and communication relevant to Your use of any of the facilities on the Portal through social media (including WhatsApp), SMS and other mediums.
Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes.
Send you emails.
Find and prevent fraud.

Log Files

Gullak Technologies follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

Cookies and Web Beacons

Like any other website, myhubble.money uses 'cookies'. These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customising our web page content based on visitors' browser type and/or other information.

For more general information on cookies, please read more on the Cookie Consent website.

Advertising Partners Privacy Policies

You may consult this list to find the Privacy Policy for each of the advertising partners of Hubble.

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on myhubble.money, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that myhubble.money has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

myhubble.money's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.

Children's Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

myhubble.money does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.