Privacy Policy

SMS Data Access: Blissbill may request access to your SMS data stored on your mobile device. By granting us this access, you allow us to collect and securely store your financial and transactional SMS data. Blissbill values your privacy and is committed to protecting your personal information. When you grant us access to your SMS data, we securely collect only your financial and transactional SMS information. This allows us to analyse your financial profile, process transactions, verify payment details, and optimise your user experience. We collect this data for the following purposes:

• — Verification and Security: Access to your SMS data enables us to verify the ownership and validity of credit cards used for payments, enhancing security and preventing fraudulent activities.
• — User Experience Optimization: We utilise SMS data to provide accurate and near real-time information that helps you during the payment process and other app experiences.
• — Payment Mode Analysis: We analyse your payment modes based on the SMS data to provide you with the best payment options and services tailored to your needs.
• — Transaction Processing: Your SMS data helps us securely process transactions accurately and efficiently, ensuring seamless payments.

We do not access personal SMS messages unrelated to financial and transactional information. You have the right to revoke your consent and disable SMS access at any time, although certain services may be limited without this access. We implement appropriate security measures to protect your SMS data from unauthorized access or misuse. At Blissbill, we prioritize the privacy and security of your personal information. We employ industry-standard practices to safeguard your data and retain it only as long as necessary. You have the right to opt out of SMS access, and we will handle your data in compliance with legal and regulatory requirements. For any questions or concerns about our Privacy Policy or the collection of SMS data, please contact us using the provided contact information.

INFORMATION STORAGE AND DISSEMINATION

User Information is stored on Blissbill’s database servers or hosted by third parties who have entered into agreements with Blissbill that require them to observe this Privacy Policy. Such data centres may be located in India or outside India. Blissbill ensures that data centres are designed to be physically secure and protected from unauthorized access of User Information by unauthorized persons.

Storage and transfer of User Information is carried out in compliance with all applicable laws, including without limitation, the Information Technology Act, 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011. Please note that the Services have reasonable security measures, including as mentioned in Information Technology Act, 2000 in place to protect the loss or misuse of the User Information. Whenever a User changes or access the User’s account information, Blissbill offers the use of a secure server. However, the User acknowledges that transacting over the internet has inherent risks which can only be avoided by the User following reasonable security practices, such as not revealing account/login related information to any other person and informing Blissbill’s customer care team about any suspicious activity or where the User’s account has/may have been compromised.

Blissbill implements reasonable security practices and procedures and have a comprehensive documented information security programme and information security policies that contain managerial, technical, operational and physical security control measures that are commensurate with respect to the information being collected and the nature of Blissbill’s business. Blissbill has put in place appropriate physical, electronic and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the User Information Blissbill collects online.

Please note that Blissbill does not guarantee that there will be no unintended disclosures of the User Information and data provided by a User on account of a data breach, unauthorized access, security failure etc. Blissbill cannot guarantee, give no warranties, and shall not be liable for breach of the security of User Information through the Services or the Application due to malicious attacks, errors, commission or omissions not wilfully initiated by Blissbill and any transmission is at the risk of the User.

User Information collected by Blissbill in the provision of the Services is retained as per the arrangements with the third parties whose applications and services are used by the User. The stored User Information is used to facilitate access for the User for the applications and services of the third parties. As part of the business functionality of Blissbill, Blissbill may retain and submit certain User Information to the third parties as well as to appropriate legal and regulatory authorities (when requested to do so).

Blissbill may also disclose information in the event it is required to do so by law, rule, regulation, law enforcement agency, governmental official, legal authority or similar requirements or when Blissbill, in its sole discretion, deems it necessary in order to protect its rights or the rights of others, to prevent harm to persons or property, to fight fraud and credit risk, or to enforce or apply this Privacy Policy.

Blissbill shall not be responsible for any breach of security by events that are beyond the reasonable control of Blissbill, including but not limited to, acts of God, strikes, lock-out, other industrial action, labor conflicts or problems, acts of war or civil unrest, civil commotion / disruption, riot, invasion, act of terrorism, acts of government, storm, flood, fire, earthquakes, explosion, public utility failures, industry wide shortages of labor or material, natural disaster, epidemics, pandemics (including COVID-19), lock-downs, impossibility of the use of railways, shipping line, aircraft, motor transport or other means of public or private transport, impossibility of use of public or private telecommunications networks or internet service provider failures or delays.

Each User accepts and acknowledges that any User Information available with Blissbill may also be used by Blissbill: (a) for the purpose of providing the Services available on the Application; (b) in an aggregated or non-personally identifiable form for the purpose of research and analysis and for transfer of such research and analysis; (c) for communication purpose; (d) debugging customer support related issues; and / or (e) in anonymized form (i.e., non-personally identifiable) in order to help grow the business of Blissbill. Each User hereby consents to such collection, use and disclosure.

Where any User Information is shared with third parties for access to the applications and services of the third parties, please note that such information will be subject to the privacy and data protection terms of such third parties and Blissbill does not assume any liability or responsibility for the same. The User is required to directly liaise with such third parties in relation to the use, storage, retention, removal and processing of the such User Information by such third parties.

Additionally, User Information may be shared by Blissbill with a third party in case of any proposed merger, acquisition or re-organization, amalgamation, restructuring of business.

Blissbill may also share Personal Data of the User with third-party service providers, banks, acquirers, payment gateways and other entities which have arrangements with Blissbill, where the User has specifically consented to obtain services from such entities though Blissbill or its platform.

Data transfers to other countries: Blissbill may transfer User Information to countries other than the country in which such User Information originally was collected. Those countries may not have the same data protection laws as the country in which the User has initially provided the information. When Blissbill transfers User Information to such other countries, Blissbill will protect such User Information as described in this Privacy Policy.

RETENTION OF USER INFORMATION

Blissbill shall retain the personal information of the User as long as it serves the purpose(s) for which it was initially collected as stated in the Privacy Policy or subsequently authorized. Blissbill may continue processing User’s personal information for a period beyond such period only for the time and to the extent such processing reasonably serves the purposes of archiving, and subject to the protection of this Privacy Policy. After the expiry of this time period, Blissbill may either delete User’s personal information or retain it in a form such that it does not identify the User personally.

COMMUNICATION POLICY

When the User sets up an account on the Application for the provision of the Services, the User explicitly consents to receive emails and messages from Blissbill and its service providers in connection with the provision of the Services as well as any marketing and promotional agencies. While you may opt out of promotional messages by contact Blissbill at [email protected] or contact the Data Protection and Grievance Officer, you cannot opt out of receiving certain administrative, financial, technical and legal information from Blissbill in connection with the Services.

ALTERATION OF USER INFORMATION

In case the User requests any change or deletion of User Information of the User, or permanently delete the User’s, the User must contact Blissbill at [email protected] or contact the Data Protection and Grievance Officer. Do note that Blissbill is not obligated to alter or vary or delete any User Information which it is required to maintain under applicable laws or pursuant to contractual requirements of Blissbill.

TERMINATION OF ACCESS

Notwithstanding anything to the contrary:

• — where any User commits a breach of / fails to comply with any of the provisions of this Privacy Policy;
• — where any User fails to comply with applicable law;
• — where any User uploads or provides information or data on the Application, which is not compliant with or violates any applicable law or the Privacy Policy;
• — where the User commits a breach of the intellectual property rights of Blissbill and / or any third person;
• — where Blissbill seizes to carry on its business or the Application being taken offline;
• — where Blissbill has reasonable grounds for suspecting any illegal, fraudulent, unethical or abusive activity by such User;
• — where Blissbill is investigating any complaints or alleged violations (by such User) of the Privacy Policy, applicable law or for any other reason;
• — where Blissbill believes, in its sole discretion, that a User’s actions are causing or may cause legal liability for other Users and / or Blissbill or are contrary to the interests of Blissbill, the Application, the intellectual property of Privacy Policy and / or the User Information.

Blissbill shall have the right to immediately: (a) terminate the right of access / usage of such User to the Application and the Services; (b) de-activate the account of such defaulting User; (c) investigate and take appropriate action against a User for any such alleged breach; (d) file a complaint with or report any illegal activity to the appropriate governmental / regulatory bodies or law enforcement agencies; and / or (e) take any other action deemed appropriate, under applicable law.

NO WARRANTY FOR ACCURACY AND COMPLETENESS OF DATA

Each User hereby undertakes to ensure that any information / data uploaded through the Services shall be accurate and complete in all respects and that no false or misleading information / data shall be provided to Blissbill

Blissbill hereby states and each User hereby accepts and acknowledges that the Services and Application displays / transmits information on an “as-is” and “as available” basis and makes no representation or warranty regarding the accuracy or completeness of such information / data. As such, Blissbill strongly encourages Users to check the accuracy and completeness of the information provided by them and Blissbill does not assume any liability for any incorrectness in transmission. In case of any errors, Blissbill shall endeavour to remedy the same.

Blissbill makes no representations or warranties (whether express or implied) and specifically disclaim any and all warranties of any kind, with respect to the Application, express or implied, including any representations or warranties with respect to title, non-infringement, availability, security, accuracy of information (including accuracy of User Information), merchantability, fitness for a particular purpose, freedom from viruses or malware, completeness of information (including completeness of User Information), timeliness, functionality, reliability, sequencing or speed of delivery.

To the fullest extent permitted by law, Blissbill disclaims all liability arising out of the User’s use or reliance upon the Application, the Services, representations and warranties made by other Users, the content or information provided by the Users on the Application, or any opinion or suggestion given or expressed by Blissbill or any User.

LIMITATION OF LIABILITY

Notwithstanding anything contained in the Agreement, in no event shall Blissbill or its officers, directors, managers, partners, members, shareholders, employees, affiliates and / or agents (collectively referred to as “Blissbill Related Parties”) be liable to any person for any claims, liabilities, losses, payments, costs, expenses (including attorney’s fees), litigation, settlements, fines, penalties and / or damages, including, but not limited to any: (i) direct, indirect, punitive, special, incidental or consequential damages; (ii) the cost of procurement of any substitute products / services; (iii) for loss, corruption, destruction or interruption of use of any material / data; (iv) for any loss of income, revenue, profits, business, contracts, anticipated savings, goodwill, reputation (hereinafter collectively referred to as “Claims”) arising out of or in connection with any access or use (or inability to use) the Services or the Application, including damages caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus (including any damage to a User’s equipment caused by a User’s access to, use of, or browsing the Application or the downloading of any material, data, text, images, video content, or audio content from the Application), communication line failure, theft, destruction or unauthorized access to, alteration of or use of any User Information, loss of business / revenue resulting from delays or information submitted by the User not being received by Blissbill or delayed receipt thereof, pricing issues or service interruptions whether by breach of contract, tortious behaviour, negligence or under any other cause of action, or any content obtained through the use of the Services or the Application. This Clause shall be applicable despite Blissbill having been advised of the possibility of such damages or losses.

Blissbill has implemented best market practices and security policies, rules and technical measures to protect personal data that is uploaded on the Application from unauthorised access, improper use or disclosure, unauthorised modification and unlawful destruction or accidental loss. However, for any data loss or theft due to unauthorized access to the User’s electronic devices through which the User accesses the Application and / or avails the Services, Blissbill shall not be held liable for any loss whatsoever incurred by the User.

INDEMNIFICATION

Each User shall defend, indemnify and hold harmless Blissbill and the Blissbill Related Parties (hereinafter collectively referred to as the “Indemnified Parties” and individually as an “Indemnified Party”) against all Claims brought against any Indemnified Party in connection with: (i) breach by a User of this Privacy Policy and / or breach of any applicable laws; (ii) fraud, negligent acts or omissions, or willful misconduct of any User in relation to the Application or the provision of the Services; (iii) infringement by any User of the intellectual property rights of Blissbill and / or any third party, while accessing / using the Application and / or the Services; (iv) any inaccuracy in or any misrepresentation or breach of any of the representations and warranties by the User under this Privacy Policy; (v) breach of security procedures by any User or any personnel of the User (who has been authorized to access the Application on behalf of such User); and / or (vi) unauthorized disclosure of any information / data uploaded on the Application, through any fault or action of such User and / or any claim arising in relation to availing the Services by such User.

To the maximum extent permissible under law, in no event shall Blissbill be liable to the User or to any third party for any losses or damages arising out of the User’s use of the Application or the Services, whether based on warranty, contract, tort (including negligence) or otherwise. Blissbill does not accept any liability for any loss or damage (actual and consequential) resulting from or in connection with the use of the Application and/or the inability to use it or for any loss or damage (actual and consequential) resulting from any delay or failure in the performance of the Services for any reason whatsoever, including without limitation, on account of any third party or person or due to any technical or technological failure or any other circumstances beyond the reasonable control of Blissbill.

GOVERNING LAW AND DISPUTE RESOLUTION

• The laws of India shall govern the Agreement.
• Any dispute arising out of or in connection with the Agreement, including any question regarding its existence, validity or termination, and any dispute relating to any obligations arising out of or in connection with the Agreement (“Dispute”) shall be subject to the exclusive jurisdiction of the courts at Mumbai, Maharashtra.

COMMUNICATIONS / GRIEVANCES

17.1 In the event of any grievances from access or use of the Application and / or Services, such User should immediately contact the Grievance Officer at the following: