Pennywise’s business model stands majorly on the pillar of trust between the company and its users.

The company firmly believes that preserving the confidentiality of all information of every individual is paramount. In order to keep the same information secure, Pennywise abides strictly by the following privacy principles:

All the personal information collected by the company at the time of registration or otherwise is solely for the purpose of knowing the user, and their investing needs & capabilities. The information helps the company conduct the business smoothly by providing better services and assistance.

Any user’s personal information will not be passed on to any other user or external organization/3rd party, unless the concerned user has given absolute consent and permission or if Pennywise is bound by the law to do so.

Disclosure of any personal information to government or judicial bodies will be done only under proper authority.

A custom-designed security system prevents unauthorised access to information even by Pennywise staff. The system also keeps the information accurate and updated.

Through these strict guidelines, Pennywise ensures that the trust its users place in the company is treated with utmost sincerity and respect.

A category wise breakdown gives the flow of details regarding how the company treats the personal information provided while visiting the site.

Data Privacy

All Pennywise accounts’ data that is shared by the individuals with the company on its website, is kept under stringent security measures through a shield of multilevel safety features & procedures, physically as well as digitally. 

The same security measures ensure that the information requested or shared by an individual on the website can only and only be accessed via the concerned party’s personal password. It is thus advised that all users choose a high strength password for their account and keep the same completely confidential at all costs, so as to avoid any unauthorized access. 

Pennywise does NOT authorize any of its employees or associates to ever ask its users for their respective account credentials. In case of any text/mail/call from someone claiming to be from Pennywise and asking for disclosure of such details, the user is requested to inform our team as well as the law enforcement authorities. 

Users are also requested to never write their password on something that is visible to others. In case of any suspicion regarding password being revealed unintentionally, it is highly recommended that the users contact our Support Team for immediate password change. The team will guide the concerned person through the process quickly. 

All the data exchange from the user to the site and from the site to the user, is secured by high level encryption that makes it incomprehensible. This in turn guarantees that any communication that happens on the internet through Pennywise website stays completely private. 

Any user account’s information is never permanently stored on Pennywise’s web server. It stays there only for the period it is being viewed by the user. The same information permanently resides only on Pennywise’s secured corporate network systems under the strict supervision, surveillance and monitoring of dedicated data security staff.

Personal Information

The personal information policy deals with any information that is directly or indirectly provided by the user or the information Pennywise already has or is likely to obtain in the course of user identification and verification, for example:

• Full Name
• E-mail
• Addresses & Location Details
• Contact numbers
• Photographs
• Account information

Any personal, or financial sensitive data received by Pennywise for processing or records purposes is performed under a lawful contract or otherwise.
Provided that, all the information that is freely and readily available or accessible in public domain or falls under the Right to Information Act, 2005 or any other law for the time being in force, shall not be regarded as sensitive personal data or information.

Collection of Personal Information

Pennywise transparently claims that the company may collect certain personal information (may or may not be sensitive in nature) and process the same lawfully through multiple modes for the sake of smooth operations and conducting business in a safe way. 

The same may be collected as a part of the application (written or digital), from third parties under contract for processing or through an Internet cookie.

Moreover, Pennywise also sources personal information through call recordings at its dedicated call centres and support chat system on the website. All such information is collected, processed, saved and used only by Pennywise and passed/transmitted to only the subsidiaries and affiliates, data processors, agents or service providers that are bound under a contract with Pennywise to abide by the security protocols.

How personal information is used at Pennywise

The information collected, processed and stored is ideally used for (but not limited to) the following purposes:

• Providing the requested product/service
• Providing technical support
• Addressing complaints
• Creating contracts
• Responding to queries
• Promoting products and services
• Conducting surveys and feedbacks
• Providing legal assistance or catering to legal obligations
• Organizing and facilitating referral programs, contests or other promotional activities and events. 
• Reaching out for direct marketing

Use of ‘Cookies’ – Users’ visits to Pennywise Site may be recorded for analysis on the number of visitors to the Site & general usage patterns. A part of the same information will be gathered through the use of small bits of information that are automatically stored on a person’s web browser in their computer that can be retrieved from the Site known as Cookies. Users can choose to disable these cookies just by altering the settings of their web browser, if the need be. However it may lead to limited access to certain features on the website.

How cookies are used at Pennywise

The cookies collected directly or indirectly at Pennywise do not contain any information that personally identifies you, but personal information that we store about you may be linked, by us, to the information stored in and obtained from cookies. 

The cookies used on Pennywise are necessary for

• Access
• Navigation
• Tracking usage
• Storing user choices
• Providing relevant ads

The information collected with user cookies  may be used for (but not limited to) the following purposes:

• Recognizing user device
• Tracking user navigation
• Analysing website usage
• Personalizing the results as per user preferences 

Pennywise corresponds with and updates its users through direct mails. In case a user wants to end the same subscription, they may contact the team and the company will do the needful in a period of 30 days and exclude them from all direct marketing promotional activities, free of cost.

If Pennywise needs any sort of personal information from the user at any point, the company will mandatorily specify the reason behind the same and ensure information’s usage only for the purpose it was meant to be used for.

At any point if a user decides to change their privacy preferences, they can do so by clicking the “cookie setting” tab on the screen. The consent notice will pop up again enabling the user to change the cookie preferences.

Please note that the procedure to block and delete cookies used by websites, varies from browser to browser. You can learn to change the settings of your browser to block/delete the cookies with a simple Google search.

Disclosure of Personal Information
User information is as vital for Pennywise as it is for the concerned individual. The company thus doesn’t disclose any sort of personal data to 3rd parties, except the conditions described here.

• Disclosure of information will happen only-
• While sharing information with affiliated companies for agreement.
• For the sake of risk management and smooth operation with non affiliated service providers such as legal/accounting advisors.
• While dealing with legal activities such as verification, or action against the users in case of defaulting or fraud.

All the 3rd parties are still required to use the information only for the purposes authorized by Pennywise and maintain the confidentiality of all throughout.

Information Retention

Pennywise holds the right and permission to retain any user’s information for as long as the company deems it necessary to cater to the purpose for which the concerned information was taken/collected.

Information Security Practices and Procedures

Pennywise has paid full heed to the authority any individual is given. Access privileges even to the employees are assigned as per the nature of their tasks/involvement with the user. The security measures limit access to the authorized employees or agents, and law enforcement authorities as mentioned above. A layer of physical, electronic & procedural safeguards to protect leakage, misuse, loss, damage, modification, unsanctioned disclosure and unauthorized access.

Breach of Internet Security

Cyber security is a major concern globally. Pennywise implements highest levels of security measures & leaves no stones unturned to fix a hacking attempt, inaccuracy or loss of data, in case of any. However, despite all these efforts, in case of occurrence of such breaches by 3rd parties, Pennywise, its Trustees, Board of Directors, Employees or Affiliate members can not be held responsible for the same.

Grievance Redressal
User complaints are a high priority concern for Pennywise. It is advised that any grievances that pertain to misuse or mishandling of sensitive personal data, be brought immediately to the company’s notice by writing to the Relationship Officer at the e-mail address give below:

Name: Akshat Malhotra

E-mail: Akshat@pennywiseapp.in

NOTE: By accessing this web site and its pages, the visitor/client is agreeing to the terms set out above. Thank you for choosing Pennywise.

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Please note that Pennywise holds all rights to alter this privacy policy at regular intervals. This may be done with or without direct prior-intimation. The changes will be updated at the website first. Users are thus requested to keep a tab on the site. The changes to this policy are applicable and effective as per the date mentioned under “Last Updated” section.

UNDERAGE USAGE

Pennywise does not cater to children under the age of 13. Anyone under 13 years of age should never be allowed to access the site without adult supervision. Pennywise does NOT collect personal information from underage visitors. In case our team comes across private information of someone under 13, we will delete it with immediate effect. If you believe someone like that might have submitted their personal information, please write to us at Akshat@pennywiseapp.in

Do Not Track

Do Not Track (DNT) indicates the user tracking preference. It lets users make a choice between complete privacy and personalized content. Like on & off options, the DNT allows users to opt out of tracking by websites and online services by changing the browser setting.  

Pennywise does not honor browser requests not to be tracked online (known as “Do Not Track”), but our Cookie Policy describes how you can opt out of receiving cookies.

This Site is also protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply with respect to data collected by reCAPTCHA. The use of Google reCAPTCHA is required in order to prevent fraud and misuse of the Site by use of automated machines. To learn more, please see Google’s privacy policy.

Certain information on Pennywise is public at all times by default. This applies to all users. The information that will be visible to all includes (but is not limited to)

• Reviews & Testimonial
• Community posts

Information on Payment Gateway security (PayPal and RazorPay) 

Updating Personal Information

Adhering to strict rules against false information, we take all possible measures to ensure that your information provided to Pennywise is correct and up-to-date. In case of human error, you can always go to your account/profile settings and add/remove/correct the information. In case you’re unable to fix some incorrect/inaccurate information, contact us at the earliest.

Contact Us

Users are free to exercise their privacy rights pertaining to their information. To do so at any point, please raise the issue with our support team. All requests will be processed in accordance with any local laws and our policies and procedures.