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PRIVACY POLICY

Interested in the fine print? You’re our kind of customer :)

We've tried to keep it really simple and transparent. For your benefit, we’ve
also explained the important parts (late penalties, refunds etc.) in our Help
center.

If you have any questions about our Terms and Privacy Policy, feel free to write
to help@getsimpl.com.




PRIVACY POLICY

ONE SIGMA TECHNOLOGIES PRIVATE LIMITED ("Simpl") is concerned about the privacy
of its users ("User/You") accessing its website at www.getsimpl.com or accessing
the Service through Simpl’s mobile application or our APIs integrated with our
Merchants and/or Financial Partners ("Website") and has provided this privacy
policy ("Policy") to familiarise You with the manner in which the technology
platform and program provided by Simpl enabling the Users to carry out checkout
transaction processing at merchant shop, website and mobile based application
(“Service”) and uses and discloses Your information collected for the same
through the Website. Capitalized terms not specifically defined herein shall
have the meaning given to them under the Terms and Conditions available at
www.getsimpl.com/terms-and-conditions ("User Terms").

BY USING THE WEBSITE, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS POLICY.


SCOPE OF POLICY

When You register/signup (including signup through third party sign-in services
such as Facebook and LinkedIn) with the Website or use the Website or the
Service available thereon or link your social media accounts with the Service or
your information maintained with our Financial Partners, Simpl may seek and
collect certain personal and non-personal information (including information
made available through third party sign-in services or your social media
accounts), classified as mandatory or voluntary (collectively "Information").
Accordingly, whenever You use, register or signup with the Website or Service,
You consent to the collection, use, and disclosure of the Information in
accordance with this Policy.


CONSENT TO ACCEPT TERMS OF THIS AGREEMENT

By clicking on the tab/button/ checkbox of “Simpl Buy” or “Order with Simpl” or
“Simpl Pay in 3” or any other button/checkbox of similar nature, (i) you confirm
that eligible under Applicable Law to contract with Simpl, (ii) you consent to
conduct transactions, accept the terms and conditions of this Agreement and the
Privacy Policy as displayed on the Website and (iii) you consent to receive
communications, notices and information from us through post or any other
physical medium or electronically (whether through SMS, emails, phone calls and
automated phone calls). Electronic communications shall be deemed to have been
received by you when we send the electronic communication to the email address /
mobile number / details provided by You or any other third party during the
sign-up process as per our records, or when we post the electronic communication
on the Website.


COLLECTION AND USE OF PERSONAL INFORMATION

Personal information is data that can be used to uniquely identify or contact a
single person. "Personal Information" for the purposes of this Policy shall
include, but not be limited to, information regarding Your name, address,
telephone number, date of birth, gender, e-mail address, location, any data
available on your mobile phone or other devices, proof of identity issued by any
governmental authority etc.

The Website may collect Personal Information from You in various ways, including
but not limited to, Personal Information provided by You. This includes
information provided by You when you use the Service and/or when You register
with the Website, create a User Identity also known as User Id, provide
information in Your account, search for specific services or content,
communicate with Simpl’s customer service by phone, email or otherwise,
participate in discussion boards or other community features, provide reviews
for the Service available on the Website, or to create an account with Simpl.

As indicated above, some of the Information that Simpl may ask You to provide
will be identified as mandatory and some as voluntary. If You do not provide the
mandatory Information with respect to the Service, You will not be able to avail
of the Service provided by Simpl. Similarly, if You wish to delete Your
Information that is mandatory, You will no longer be eligible to avail the
Service offered by Simpl or the Website.

Simpl also collects credit information pertaining to You from certain Credit
Information Companies. You consent to access of such credit information from
Credit Information Companies and agree to the CRIF High Mark Credit Score Terms
of Use as set out in Annexure A of the Policy (as amended and updated from time
to time).

Simpl collects Personal Information that Simpl believes to be relevant and which
is required to understand You and your interests and for the purpose of
promoting the Website and the Service. Simpl collects your Personal Information
in order to record, support and facilitate your participation in the Service,
track your preferences, to provide You with a customized Website experience, to
notify You of any updated information and new activities and other related
functions offered by Simpl, keep You informed about latest content available on
the Website, special offers, and other products and Service of Simpl, to assist
You with customer service or technical support issues, to follow up with You
after Your visit, to otherwise support Your relationship with Simpl or to
prevent fraud and unlawful use.Simpl does not rent or sell Your Personal
Information to other people or non-affiliated companies except to provide the
Service. Thus, the Personal Information provided by You is used and shared only:

 * to facilitate Your use of the Website;
 * for facilitating the Service provided by Simpl;
 * to respond to Your inquiries or fulfil Your requests for information about
   the Service;
 * to provide You with information about Simpl’s Service and to send You
   Information and materials;
 * to send You important information regarding the Website and Service, changes
   to Simpl’s terms, conditions, and policies and/or other administrative
   information;
 * to send You surveys and marketing communications that Simpl believes may be
   of interest to You;
 * to personalize Your experience on the Website and the Service by presenting
   advertising, products and offers tailored to You;
 * to help You address Your problems with the Website and the Service including
   addressing any technical problems;
 * if You avail the Service or use the Website, to complete and complete Your
   purchase, for example, communicate with You regarding Your purchase and
   payment due date and provide You with related customer service;
 * for proper administering of the Website and the Service;
 * to conduct internal reviews and data analysis for the Website (e.g., to
   determine the number of visitors to specific pages within the Website) and
   the Service;
 * to improve the Service, content and advertising on the Website;
 * to protect the integrity of the Website and the Service; and
 * to respond to judicial process and provide information to law enforcement
   agencies or in connection with an investigation on matters related to public
   safety, as permitted by law.


STORAGE OF INFORMATION

Simpl will use reasonable safeguards to preserve the integrity and security of
Your information against loss, theft, unauthorised access, disclosure,
reproduction, use or amendment. To achieve the same, Simpl will use reasonable
security practices and procedures as mandated under applicable laws for the
protection of your information. Information You provide to us may be stored on
our secure servers located within or outside India.

You understand and accept that there’s no guarantee that data transmission over
the Internet will be completely secure and that any information that you
transmit to us is at your own risk. Simpl assumes no liability for any
disclosure of information due to errors in transmission, unauthorized third
party access to our Website and data bases or other acts of third parties, or
acts or omissions beyond our reasonable control and you shall not be entitled to
hold the Simpl responsible for any breach of security.

We will hold the information shared by you in the manner described above for as
long as we reasonably require for fulfilling the purpose for which we collected
such information. This includes for any regulatory, archival purposes, or to
protect/defend the Company from any legal claims by anyone.


DISCLOSURE OF PERSONAL INFORMATION

Simpl will keep Your Personal Information confidential to the maximum possible
extent. Simpl limits the disclosure of Personal Information to Simpl’s
employees, independent contractors, affiliates, consultants, business
associates, service providers and distributors of Simpl’s Service, on a
need-to-know basis, and only if the disclosure will enable that entity to
provide Simpl with business, professional, or technical support or to fulfil
Your request. Simpl shares Personal Information only for the purposes stated in
Clause 2 above and only for to the entities described below.

Your Personal Information may be disclosed:

 * to Simpl’s business affiliates and Financial Partners where certain content
   or Service are jointly offered by Simpl and its business affiliates and
   Financial Partners; or
 * to Simpl’s third party services providers who provide services such as
   contact information verification, payment processing, order fulfilment,
   customer service, website hosting, data analysis, marketing assistance,
   infrastructure provision, IT services, auditing services and other similar
   services to enable them to provide the services; or
 * in case of business transfers such as a merger, acquisition or any form of
   sale of some or all of Simpl’s assets, Your Personal Information shall be
   transferred to the other entity as a business asset. Simpl will ensure the
   confidentiality of any Personal Information involved in such transactions and
   provide You with a notice before Your Personal Information is transferred and
   becomes subject to a different privacy policy; or
 * as Simpl may believe to be necessary or appropriate: (i) under applicable
   law; (ii) to comply with any legal processes; (iii) to respond to requests
   from public and government authorities; (iv) to enforce Simpl’s Terms of Use;
   (v) to protect Simpl’s operations or those of any of Simpl’s affiliates; (vi)
   to protect Simpl’s rights, privacy, safety or property, and/or that of
   Simpl’s affiliates, You or others; and (vii) to allow Simpl to pursue
   available remedies or limit the damages that Simpl may sustain. This includes
   disclosing Your Personal Information to other companies and organizations for
   fraud protection and credit risk reduction; or
 * with your specific consent.

The above does not include selling, renting, sharing or otherwise disclosing
Personal Information for commercial purposes in violation of the commitments set
forth in this Policy.


COLLECTION AND USE OF NON-PERSONAL INFORMATION

Non-personal information is any information that does not reveal Your specific
identity, such as, browser information, Internet protocol (IP) address,
operating system, and platform, information collected through cookies, pixel
tags and other technologies, demographic information, time zone setting, etc.
("Non-Personal Information").

As is the case with most websites, the Website gathers some information
automatically when You visit the URL of the Website and stores it in log files.
Accordingly, when You use the Website and the Service provided on the Website,
Simpl may collect certain information about Your computer to facilitate,
evaluate and verify Your use of the Website, and the Service available on the
Website. For example, Simpl may log environmental variables, such as browser
type, operating system, CPU speed, referring or exit webpages, click patterns,
page response times, download errors, length of visits to certain pages, page
interaction information (such as scrolling, clicks, and mouse-overs), and the
Internet Protocol (IP) address of Your computer. This information is generally
collected in aggregate form, without identifying any user individually.

The Website may also collect certain Non-Personal Information through cookies
while You access the Website. Cookies are text files that are placed in Your
computer to identify Your internet browser, store Your preferences, and to
improve Your experience on the Website. Data in cookies may be read to
authenticate user sessions or provide Service. The Website, online Service,
interactive applications, email messages, and advertisements may use cookies and
other technologies such as pixel tags and web beacons to help advertisers and
publishers serve and manage advertisements across the web and on the Website.
These technologies help Simpl better understand user behaviour, tell Simpl which
parts of the Simpl website people have visited, track user trends and facilitate
and measure the effectiveness of advertisements and web searches, to gather
demographic information about the user base as a whole, measure traffic patterns
on the Website, provide special customised features to You such as personalized
advertisements on the Web pages. Simpl treats Information collected by cookies
and other similar technologies as Non-Personal Information.

As Non-Personal Information does not personally identify You, Simpl may use and
disclose Non-Personal Information for any purpose. In some instances, Simpl may
combine Non-Personal Information with Personal Information (such as combining
Your name with Your geographical location). If Simpl combines any Non-Personal
Information with Personal Information, the combined information will be treated
by Simpl as Personal Information as long as it is combined.


LINKS TO OTHER WEBSITES AND THIRD PARTY ADVERTISERS

The Website may provide third-party advertisements and links to other websites.
Simpl does not provide any Personal Information to these third-party websites or
advertisers except with your consent.

The links to other websites on the Website are operated by third parties and are
not controlled by, or affiliated to, or associated with, Simpl unless expressly
specified on the Website. Accordingly, Simpl does not make any representations
concerning the privacy practices or policies of such third parties or terms of
use of such websites, nor does Simpl control or guarantee the accuracy,
integrity, or quality of the information, data, text, software, music, sound,
photographs, graphics, videos, messages or other materials available on such
websites. The inclusion or exclusion does not imply any endorsement by Simpl of
the website, the website’s provider, or the information on the website. The
information provided by You to such third party websites shall be governed in
accordance with the privacy policies of such websites and it is recommended that
You review the privacy policy on any such websites prior to using such websites.

These third-party websites and advertisers may use technology to send the
advertisements that appear on the Website directly to Your browser. In such
cases, the third party websites or advertisers automatically receive Your IP
address. They may also use cookies, JavaScript, web beacons and other
technologies to measure the effectiveness of their advertisements and to
personalize advertising content. Simpl does not have access to or control over
cookies or other features that such third party websites and advertisers may
use, and the information practices of these third-party websites and advertisers
are not covered by this Policy. Please contact them directly for more
information about their privacy practices.


SECURITY

Notwithstanding anything contained in this Policy or elsewhere, Simpl shall not
be held responsible for any loss, damage or misuse of Your Personal Information,
if such loss, damage or misuse is attributable to a Force Majeure Event (as
defined below). A "Force Majeure Event" shall mean any event that is beyond the
reasonable control of Simpl and shall include, without limitation, sabotage,
fire, flood, explosion, acts of God, civil commotion, strikes or industrial
action of any kind, riots, insurrection, war, acts of government, computer
hacking, unauthorised access to computer data and storage device, computer
crashes, breach of security and encryption, etc.


ACCESS TO INFORMATION

When You use the Website and the Service provided by Simpl on the Website, Simpl
makes good faith efforts to provide You with access to Your Information and
other relevant data, either to correct this data if it is inaccurate, or to
delete such data at Your request, if it is not otherwise required to be retained
by law or for legitimate business purposes.

Simpl gives You access to a broad range of Information about Your account and
Your interactions with Simpl for the limited purpose of viewing and, in certain
cases, updating that information. Such information includes, up-to-date
information regarding recent Service accessed by You; Personal Information,
payment settings (including credit card information); e-mail notification
settings (including Alerts, Recommended for You, and newsletters); utility bill
payment details; recommendations (including recent content view history, and
favourites); shopping lists; and Your profile (including Your Service reviews,
requests, and recommendations, guides, etc.)


USER DISCRETION

As stated earlier, You can always choose not to provide Information, even though
it might be needed to access the Service. In such cases, if the information
required is classified as mandatory, You will not be able to avail of that part
of the Service. You can add or update Your Personal Information on a regular
basis. When You update information, Simpl may keep a copy of the prior version
for its records.

Simpl may, if You so choose, send direct advertisement mailers to You at the
address given by You. You have the option to opt-out of this direct mailer by
way of links provided at the bottom of each mailer. We respect Your privacy and
if You do not want to receive e-mail or other mail from Simpl, please adjust
Your customer communication preferences.

When You use the Website and the Service provided by Simpl on the Website, Simpl
makes good faith efforts to provide You with access to Your Information and
other relevant data, either to correct this data if it is inaccurate, or to
delete such data at Your request, if it is not otherwise required to be retained
by law or for legitimate business purposes.

The ‘Help’ portion of the toolbar on most browsers will tell You how to prevent
Your browser from accepting new cookies, how to have the browser notify You when
You receive a new cookie, or how to disable cookies altogether. Further, You can
also disable or delete similar data used by browser add-ons, such as Flash
cookies, by changing the add-on’s settings or visiting the Website of its
manufacturer. However, as cookies allow You to take advantage of some of the
Website’s features, some of the Website’s features and Service may not function
properly if Your cookies are disabled. It is therefore, recommended that You
leave the cookies turned on. For instance, if You block or otherwise reject
Simpl’s cookies, You will not be able to add items to Your shopping cart,
proceed to checkout, or download any of Simpl’s content or avail of Simpl’s
Service that require You to log in.


GENERAL PROVISIONS

By accessing the Website or the Service, You have agreed to the terms set out in
this Policy. This Policy should be at all times read along with the User Terms
of the Website.

Unless stated otherwise, the Policy applies to all Information that Simpl has
about You and Your account.

Simpl may make changes to this Policy, from time to time at Simpl’s sole
discretion or on account of changes in law. Simpl will not reduce Your rights
under this Policy without Your explicit consent. Simpl may e-mail periodic
reminders of the notices and conditions, unless You have instructed Simpl not
to, but You should check the Website frequently to see recent changes.
Notwithstanding the above, Simpl shall not be required to notify You of any
changes made to the Policy. The revised Policy shall be made available on the
Website. The effective date of this Policy, as stated above, indicates the last
time this Policy was revised or materially changed. Your continued use of the
Website and the Service, following changes to the Policy, will constitute Your
acceptance of those changes.

If You choose to visit the Website, Your visit and any dispute over privacy is
subject to this Policy and the Website and Service’s User Terms, and the
application law shall be the law of the Republic of India.

The ‘Help’ portion of the toolbar on most browsers will tell You how to prevent
Your browser from accepting new cookies, how to have the browser notify You when
You receive a new cookie, or how to disable cookies altogether. Further, You can
also disable or delete similar data used by browser add-ons, such as Flash
cookies, by changing the add-on’s settings or visiting the Website of its
manufacturer. However, as cookies allow You to take advantage of some of the
Website’s features, some of the Website’s features and Service may not function
properly if Your cookies are disabled. It is therefore, recommended that You
leave the cookies turned on. For instance, if You block or otherwise reject
Simpl’s cookies, You will not be able to add items to Your shopping cart,
proceed to checkout, or download any of Simpl’s content or avail of Simpl’s
Service that require You to log in.


CONTACT

If You have questions or concerns about this Policy, please contact Simpl at
help@getsimpl.com.


ANNEXURE 3

CRIF High Mark Credit Score Terms of Use

In connection with submission of the application for my credit information
("Consumer Credit Information") offered by CRIF High Mark ("CIC") through One
Sigma Technologies Private Limited (referred to as the "Company") and delivery
of the Consumer Credit Information to the Company for a maximum period of 36
months, I hereby acknowledge and agree to the following:

 * The Company is my lawfully appointed facilitator and he / it has agreed to be
   my facilitator for the purposes, including, without limitation, to receive
   the Consumer Credit Information from CIC on my behalf and use it in the
   manner consistent with the agreement entered into between the Company and CIC
   ("Agreement"), and the Company has granted its consent for being appointed
   for the aforesaid purpose.
 * I grant my unconditional consent to the Company to receive the Consumer
   Credit Information from CIC on my behalf and use it in the manner consistent
   with the consistent with the Agreement entered into between the Company and
   CIC, as the case may be, and the Company has granted its consent for being
   appointed for the aforesaid purpose. I hereby represent and acknowledge that:
   (a) I have carefully read the terms and conditions of the Agreement entered
   into between the Company and CIC understood the same; or (b) the terms of
   understanding in relation to the use of the Consumer Credit Information has
   been agreed between me and the Company.
 * I hereby expressly grant unconditional consent to, and direct, CIC to deliver
   and / or transfer my Consumer Credit Information to the Company on my behalf.
 * I shall not hold CIC responsible or liable for any loss, claim, liability, or
   damage of any kind resulting from, arising out of, or in any way related to:
   (a) delivery of my Consumer Credit Information to the Company; (b) any use,
   modification or disclosure by the Company of the contents, in whole or in
   part, of my Consumer Credit Information, whether authorized or not; (c) any
   breach of confidentiality or privacy in relation to the Consumer Credit
   Information by the Company ; (d) for any use made by the Company which is
   contrary to the Agreement entered into between the Company and CIC.
 * I acknowledge and accept that CIC has not made any promises or
   representations to me in order to induce me to provide my Consumer Credit
   Information or seek any consent or authorization in this regard.
 * I agree that I may be required to record my consent / provide instructions
   electronically and in all such cases I understand that by clicking on the "I
   Accept" button below, I am providing "written instructions" to Company
   authorizing Company to obtain my Consumer Credit Information from my personal
   credit profile from CRIF High Mark. I further authorize Company to obtain
   such information solely to confirm my identity and display my Consumer Credit
   Information to me. Further in all such cases by checking this box and
   clicking on the Authorize button, I agree to the terms and conditions,
   acknowledge receipt of CIC privacy policy available at
   https://www.crifhighmark.com/privacy-policy and agree to its terms, and
   confirm my authorization for Company to obtain my Consumer Credit
   Information.
 * I understand that in order to deliver the product to me, I hereby authorize
   Company, to obtain my Consumer Credit Information from CIC.
 * By submitting this registration form, I understand that I am providing
   express written instructions for Company to request and receive information
   about me from third parties, including but not limited to a copy of my
   consumer credit report and score from consumer reporting agencies, at any
   time for so long as I have an active Company account. I further authorize
   Company to retain a copy of my information for use in accordance with
   Company’s Terms of Use and Privacy Policy.
 * I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS
   AND CIC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF
   MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
 * I hereby confirm and agree that any claims and /or disputes that may arise in
   respect to the submission of Consumer Credit Information and / or my decision
   to provide CIC with the authority to deliver my Consumer Credit Information
   to the Company shall be resolved by the consumer redressal mechanism set up
   by CIC. I agree to defend, indemnify, and hold harmless the CIC, its
   officers, directors, employees, agents, licensees, affiliates, successors and
   assigns, jointly and individually from and against any and all losses
   resulting from claims made against CIC by third parties arising from and in
   connection with this letter.
 * I agree that the terms of this confirmation letter (ie, CRIF High Mark Credit
   Score Terms of Use) shall be governed by the laws of India and shall be
   subject to the exclusive jurisdiction of the courts located in Mumbai in
   regard to any dispute arising hereof. CIC is entitled to assign its rights
   hereunder to any third person without taking my prior written consent.

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