Privacy Policy

Zikzuk Technologies Private Limited ("ZikPe") outlines practices regarding storage, use, processing, and disclosure of personal data collected from individuals accessing the mobile application or using its offerings and services.

ZikPe prioritizes protecting personal data and respecting privacy, establishing the basis for processing collected information.

This policy applies to individuals accessing or using the services. Regular policy reviews are encouraged, and users should review third-party service provider privacy policies since the services may include links to external platforms.

User Profile Data

Name, phone number, login name, email address.

Demographic Data

Gender, country of origin.

Device Information

Hardware model, IP address, operating systems, versions, software, preferred languages, serial numbers, device motion data, mobile network data.

Wallet Data

Transaction history, KYC data (passport, Indian visa, optional PAN/Aadhaar), balances, payment details, loads, transfers, and spends.

Additional Data

Live photo for KYC completion (case-by-case basis).

Financial Information

Credit information and credit score.

Marketing Data

Address, email, service requests, feedback, survey responses, communication preferences.

Technical Data

IP address, browser type, ISP, operating system details, access time, page views, device ID including IMEI, device type, SIM profile, camera, timezone, location coordinates, frequency of use.

Transaction Data

Service details, SMS-based financial transactions, OTPs.

Usage Data

App activity, user taps/clicks, interests, time spent on app, user journey details, page views.

Direct Interactions

Users provide data when creating accounts, using services, or reporting problems.

Automated Interactions

Data collected through cookies, web beacons, pixel tags, server logs, and similar technologies during app visits or service usage.

ZikPe requests access to SMS messages solely to detect UPI and wallet transaction confirmations for the purpose of automatic transaction reconciliation and balance updates. This access is used exclusively for identifying transaction-related SMS from recognized financial senders (such as banks and payment networks) and one-time passwords (OTPs) required to complete your own transactions within the app.

ZikPe does not read, store, transmit, or share the content of personal or non-financial SMS messages. SMS data used for transaction detection is processed on-device and is not retained beyond what is necessary to complete the associated transaction record.

Personal data is utilized to provide services and communicate regulatory information.

Small files transferred to device hard drives enable site systems to recognize browsers and remember information. ZikPe uses cookies to distinguish users, save preferences, track advertisements, and compile traffic data. Third-party service providers may assist in understanding site visitors but cannot use collected information beyond this purpose.

Third-party cookies may appear on certain app sections, over which ZikPe has no control. Personal correspondence like emails may be collected in user-specific files.

Data may be shared with: ZikPe affiliates; external trusted third parties including associate partners and service providers offering hosting, marketing, business operations, content transmission, and services; analytic providers and advertising networks conducting web analytics; third parties upon user request or explicit consent; and regulators and bodies as legally required.

All third parties must respect personal data security and comply with law. Service providers cannot use data for their own purposes and may only process it as instructed.

We retain your personal data only for as long as necessary to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements. Upon account termination or a valid deletion request, your data will be deleted or anonymized in accordance with the "Account and Data Deletion" section above, except where longer retention is required to comply with legal, regulatory, tax, or accounting obligations, including RBI/KYC record-keeping requirements applicable to financial service providers.

You may request deletion of your ZikPe account and associated personal data at any time. To do so:

In-App

Submit a deletion request within the app via Profile → Settings → Delete Account.

Via Email

Email support@zikpe.com with the subject line "Account Deletion Request" from your registered email or phone number.

Upon verification of your identity, we will delete or anonymize your personal data within 30 days, except where retention is required to comply with legal, regulatory, tax, or accounting obligations (including RBI/KYC record-keeping requirements applicable to financial service providers), or to resolve disputes and enforce our agreements. You will receive a confirmation email once your deletion request has been processed.

Subject to applicable law, including the Digital Personal Data Protection Act, 2023, you have the right to:

Access

Request a copy of the personal data we hold about you.

Correction

Request correction of inaccurate or incomplete personal data.

Deletion

Request deletion of your personal data, as described in the "Account and Data Deletion" section above.

Withdraw Consent

Withdraw consent for processing of your personal data at any time, where processing is based on consent. Withdrawal will not affect the lawfulness of processing carried out before withdrawal, and may limit or prevent your ability to use certain features of ZikPe (such as KYC-gated services).

Grievance Redressal

Raise concerns about how your data is handled and receive a response within a reasonable timeframe.

To exercise any of these rights, contact our Grievance Officer at support@zikpe.com. We may need to verify your identity before processing your request.

Reasonable steps ensure app information authenticity. Users acknowledge that provided information and personal data are true, correct, and accurate. ZikPe bears no liability for incorrect or false information provided by users.

Users may review and correct provided information by contacting the Grievance Officer at the address in the Grievance Officer section.

Security measures including encryption and firewalls protect personal information, though they do not guarantee absolute protection. Users accessing services assume all disclosure risks from firewall or secure server software breaches.

Users are responsible for keeping passwords and OTPs confidential and should not share them. ZikPe complies with Information Technology Act, 2000 requirements during data or security risks.

ZikPe shall not be liable for:

Information leaked due to computer virus, trojan, or hacker attack; information divulged from sharing passwords, OTPs, or registered account details; and divulgence caused by reasons not directly or indirectly attributable to ZikPe.

This Privacy Policy was last updated on [DD Month YYYY]. Continued use of ZikPe after any changes to this policy constitutes acceptance of the revised terms.

ZikPe is not intended for, and is not knowingly directed at, individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal data, please contact support@zikpe.com and we will take steps to delete such information promptly.

This policy undergoes regular review with possible amendments subject to rendered services. Changes are posted on the page and, where appropriate, emailed to users. New policies may appear on-screen requiring acceptance to continue using services.

Contact support@zikpe.com for inquiries regarding this policy or personal information review and updates.

Contact Details

Name: Zikzuk Technologies Private Limited. Registered Office: 3rd Floor, CSR Estate, Madhapur, Hyderabad, Ranga Reddy, Telangana, 500081. Support Email: support@zikpe.com.