Privacy Policy

When you start using the Web Services, we ask you to provide certain information as part of the registration process, and in the course of your interface with the website/app. We will collect this information through various means and in various places through the web Services, including account registration forms, contact us forms, or when you otherwise interact with including at customer support.
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At the time of registration, we ask for the following personal information.
Name, Mobile Number, Email, PAN

Pursuant to the services consumed by You time to time, we may seek additional information including full name, email, address, payment or banking information, and any other governmental identification numbers or documents. You may choose to provide such information if you choose to use these services provided by the website/app.

We collect information relating to your use of our website/app through the use of various technologies. This includes transaction details related to your use of our services including the type of services you requested, the payment method and amount and other related transactional and financial information. Further, when you visit our website/app, we may log certain information such as your IP address, browser type, mobile operating system, manufacturer and model of your mobile device, geolocation, preferred language, access time, and time spent. We will also collect information about the pages you view within our sites and other actions you take while visiting our website/app. From time to time, during your use of the Web Services

On the Android app, Multiply requires access to additional information such as SMS. Prior to accessing any such information, explicit consent shall be sought from the User. Please note that we only read transactional or promotional SMS and do not open, access or read any personal SMS.

In case of both Android and iOS apps, we require access to users' emails also.

The Company’s access to the SMS and email account(s) is authorized through the email provider’s access mechanism. If you permit the Company’s app to track your credit Instruments’ accounts, the app will securely store account details for each of your credit Instruments’ accounts, including your sign-in user name and authorisation tokens for tracked accounts.

We also maintain some records of Users who contact us for support, for the purpose of responding to such queries and other related activities. However, we do not provide this information to any third party without your permission or utilize the same for any purposes not set out hereunder.

We may, on your consent, request certain third parties to provide information about you to further personalize your experience on our website/app, and provide certain services that cannot be accessed by all users of the website/app.

We may receive additional information about you, such as information to help detect fraud and safety issues, from third party service providers and/or partners, and combine it with information we have about you. We may receive information about you and your activities through partnerships, or about your experiences and interactions from our partner ad networks.

Any information provided by a User will be used solely for creating and updating your Account and processing your transaction(s) or for any other purposes for which you have granted access to such information to us, based on your interaction with the Multiply website/app.

All personal information provided by you in our website/app which has been duly received and accepted by us will be used solely for the purpose of processing a transaction on the website/app. To enable such process, we may share information with authorized third parties, for instance, our business partners, financial teams/institutions, or postal/government authorities involved in fulfilment of said transactions, if any. In connection with a transaction, we may also contact you as part of our customer satisfaction surveys or for market research purposes.

We may use the information collected to perform internal operations necessary to provide our services, including to troubleshoot software bugs and operational problems, to conduct data analysis, testing and research and to monitor and analyze usage and activity trends.

We process this personal information for these purposes given our legitimate interest in improving the Web Services.

We may use the personal information to create and maintain a safe environment and use the same to detect and prevent fraud, span, abuse, security incidents and other harmful activity. We use the information we collect (including recordings of customer support calls) to assist you when you contact our customer support services to investigate & resolve your queries, monitor and improve our customer support responses. Certain online transactions may involve us calling you. They may also involve online chats. Please be aware that it is our general practice to monitor and, in some cases, record such interactions for staff training or quality assurance purposes or to retain evidence of a particular transaction or interaction. We intend to protect your personal information and to maintain its accuracy as confirmed by you. Multiply implements reasonable physical, administrative, and technical safeguards to help us protect your personal information from unauthorized access, use, and disclosure. For example, we encrypt all sensitive personal information when we transmit such information over the internet.

We blend security at multiple steps within our products with state-of-the-art technology to ensure our systems maintain strong security measures. The overall data and privacy security design allows us to defend our systems ranging from low hanging issue up to sophisticated attacks.

As required by law, at times we might be required to disclose your personal information including transactional and financial information to relevant authorities. In some cases, when we believe that such disclosure is necessary to protect our rights, or the rights of others, or to comply with a judicial proceeding, court order, or legal process served on our website/app we would share such information pursuant to a lawful request from law enforcement agencies.

You agree and consent to receive all communications at the mobile number provided, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, you further authorise Company to share/disclose the information to any third party service provider or any affiliates, group companies, their authorised agents or third party service providers.

We may disclose information that identifies you at an individual level and which we have collected on our website/app, to other affiliate entities and partners that are not acting as our suppliers or business partners. Except as described in this Privacy Policy, we will only do so with your prior consent. For the sake of clarity, Multiply does not sell or lease such information.

Subject to your express permission to use the information as described herein, the information we have about you, may be used by us for marketing purposes. This consent is purely voluntary, and you may at any time choose not to receive marketing materials from us, by indicating so when we call you, or by contacting us directly. Further, if you want to remove your contact information from all our lists, please send an email request to support@multiply.club

Multiply does not deliver third party online advertisements on the website/app but we may advertise our activities and organizational goals on other websites/apps. We may collaborate with other website/app operators as well as network advertisers to do so. We request you to read and understand such concerned third party privacy policies to understand their practices relating to advertising, including what type of information they may collect about your internet usage. Multiply does not provide any information relating to your usage to such website/app operators or network advertisers.

During your use of the web/app services, you may come across links to third party websites/apps that are not affiliated with Multiply. Multiply is not responsible for the privacy practices or the content of those other websites/apps, or for any acts/ omissions by such third parties in the course of your transaction with them.