of your information by Digi Khata Private Limited or any of its affiliate(s) (“we” or “us” or “our”),
which operates the website
("Site"), “Digikhata App” (the “App”) available on Google Play Store, iOS and other similar platforms
and other services including but not limited to recording credit/payment, communicating dues/balances
via the site and application, any mobile or internet connected device or otherwise (collectively the "
Services. Capitalized terms which have been used here but are undefined shall have the same meaning as
TThe App/Site (i) provides an online digital ledger book / record book wherein the Users, can record
their ledger entries with their respective customers and (ii) also allows Users to generate a payment
link which can be sent to their respective customers and the customers could use the payment link and
make the payment of the amount to the Users in settlement of their obligations towards the Users
(collectively, “Services”). Please note that ‘Services’ would include any other future services we may
provide or propose to provide.
As we update, improve and expand the Digi Khata App Service, this Policy may change, so please refer back
to it periodically. By accessing the Site, App or otherwise using the Digi Khata App Services, you
consent to the collection, storage, and use of the personal information you provide (including any
changes thereto as provided by you) for any of the services that we offer.
- When this Policy applies:
- This Policy applies when you use or subscribe to DigiKhata’s products, services,
applications, websites or networks to which this Policy is linked. This includes data,
video, advertising, internet and other products, services and applications. This Policy also
applies to other websites owned or operated by Digikhata.
- This Policy also applies to you and anyone who uses our products or services under your
apply. You are responsible for making sure you understand this Policy.
- You must agree to and be willing to accept the terms of this Policy before you may visit or
use any Digikhata Platform, or any products or services offered therein.
and you interact with us as part of running our business, such as by:
- Accessing any of our products or services accessible through any Digikhata
- When using any of our products or services;
- When entering any promotion;
- When calling our help desk;
- Generally enquiring about our services or products.
- If you need to give us personal information about someone else in relation to our products
and services, this Policy will also apply.
- Depending on the product or services, you may also receive service-specific and/or
region-specific terms. You will be legally bound by both this Policy and the service/region
specific term to the extent that you have accepted them when signing up to any service or
product; therefore, you are required to read these terms carefully.
- Information We collect:
- Information supplied by users
- Personal information: To avail certain Services on the Digi Khata App, Users are
required to provide certain personal information for the registration process which
may include: a) their name, b) email address, c) phone number, d) business entity
information, (e) account number of the Users, (f) KYC details and any other such
information as required. The Information as supplied by the Users enables us to
provide the Services and improve the Digi Khata App Services and provide you the
most user-friendly experience. In some cases / provision of certain service(s) or
utility(ies), we may require your contact address as well. We may also use your
email address, IP Address, Location and phone number without further consent for
marketing, non-marketing or administrative purposes (such as notifying you of major
changes, for customer service purposes, providing information about updates to Digi
Khata App Services, billing, etc.).
- Contact list: Upon downloading the App, Users are requested to share access to their
contact list (as stored on their mobile device on which the App is downloaded).
- Images: In order to enhance the User experience of the Digi Khata App, Users may be
requested to upload certain images. Such images, at Digikhata’s sole discretion,
might be uploaded to
- Inventory of apps: We may access a user's inventory of installed apps and treat this
data as personal or sensitive data subject to this Policy, secure transmission, and
prominent disclosure requirements of User.
- Information gathered while using the App or Site
- Credit/Payment Records: We store all your credit/payment records in a cloud-based
environment using the services of third party infrastructure service providers.
- Customer Information: We store the contact information of your customers. We also
keep a log of all the credit/payment related communication to the customers.
- Demographic and Related Information: We may reference other sources of demographic
and other information in order to provide you with more targeted communications and
- Log File Information: Our Servers automatically collect limited Information about
your device's connection to the internet, including your IP address, when you visit
our Site or use the App. We automatically receive and log Information from the App
and/or your browser including but not limited to IP address, your device or
computer's name, and your operating system, We may also collect log Information from
your device, including but not limited to your location, IP address, your device's
name, device's serial number or unique identification number (e.g. UDID on your iOS
device, Android ID or ADID on your Android Device), your device operating system,
browser type and version, CPU speed, and connection speed etc.
- Cookies: To improve the responsiveness of the Site for our Users, we may use
"cookies", or similar electronic tools to collect information to assign each visitor
a unique, random number as a User Identification (User ID) to understand the User's
individual interests using the identified computer. By continuing to visit the
purposes we describe in this Policy. If you prefer not to receive cookies or web
beacons, then you should stop using Services, or consult your browsing and
optimizing our websites as well as for marketing purposes. Our partners may also
assign their own cookies to your browser, a process that we do not control.
Why We collect data:
- Accessing and updating personal information: When Users use the Site (or any of its sub
sites) / App, we make good faith efforts to provide Users, as and when requested by Users,
with access to their Information and shall further ensure that any personal information or
sensitive personal data or other Information found to be inaccurate or deficient shall be
corrected or amended as feasible, subject to any requirement for such personal Information
or sensitive personal data or Information to be retained by law or for legitimate business
purposes. We ask individual Users to identify themselves and the Information requested to be
accessed, corrected or removed before processing such requests, and we may decline to
process requests that are unreasonably repetitive or systematic, require disproportionate
technical effort, jeopardize the privacy of others, or would be extremely impractical (for
instance, requests concerning Information residing on backup tapes), or for which access is
not otherwise required. In any case, where we provide Information access and correction, we
perform this service free of charge, except if doing so would require a disproportionate
effort. Because of the way we maintain certain services, after you delete your Information,
residual copies may take a period of time before they are deleted from our active servers
and may remain in our backup systems.
- Information sharing:
- The Information (including personal information) collected may be shared with our
affiliates, and group companies to the extent required for our internal business
and/or administrative purposes and/or general corporate operations and to any
third-party service providers including marketing partners, and the User hereby
consents to the same. We will take reasonable steps to ensure that these third-party
service providers are obligated to protect your personal information and are also
subject to appropriate confidentiality/non-disclosure obligations and they comply
with the applicable provisions of the data protection laws. These entities, with
whom we share the Information, may market to you as a result of such sharing unless
you explicitly opt-out.
- The User explicitly consents that we may have access to your SMS, contacts in your
directory, location and device information and we may request you to provide your
CNIC and Know-Your-Customer (KYC) details to check your eligibility for certain
products/services including but not limited to credit and payment products, etc., to
enhance your experience and provide you access to the services being offered by us,
our affiliates or other third-party service providers (including lenders).
- The User also consents to sharing of Information (including sensitive personal
information) when it is requested or required by law or by any court or governmental
agency or authority to disclose, for the purpose of verification of identity, or for
the prevention, detection, investigation including cyber incidents, or for
prosecution and punishment of offences. These disclosures are made in good faith and
or for complying with the applicable laws and regulations. No personal information
of an individual User such as name, phone number, email address, spends data, card
details etc. would be shared with any other User and/or third party unless
explicitly approved by the concerned individual User himself/herself.
- By using the Digi Khata App Services and providing information to us, Users agree
and consent to the disclosure, transfer, storage, and processing of the personal
information (including the sensitive personal information) by us in Pakistan and /
or in other countries to its affiliates, group companies and third parties. While
our primary motive is to protect the disclosure of personal information (except in
accordance with the provisions of this Policy) of Users, Users may note that
countries where their Information may be stored, may not have data protection laws
similar to the countries where they are located.
- Information storage and backup:
- From time to time, we take backup of your data on Digi Khata App on our cloud
database. This is done for the purpose of enabling Users to get their data back in
case their phone's data becomes unusable, or phone gets lost, or the User moves to a
new phone device. We also use this backup to provide useful insights and information
related to their spends such as weekly spends in a month, insights related to spend
behavior, etc., and to provide information related to User spends, patterns and User
data in the form of aggregated and anonymized statistics on data such as User spends
by category, date, time, bank balances, etc.
- We shall keep User’s Information in our records till the period of time where we can
potentially offer the Digi Khata App Services to the Users. After such a period of
time where Digi Khata App Services are no longer relevant to a User, we remove all
the Information pertaining to a particular User from our records.
- Information Security:
- We take appropriate security measures to protect against unauthorized access to or
alteration, disclosure or destruction of data including accidental or intentional
manipulation, loss from access by unauthorized parties. These include internal
reviews of our data collection, storage and processing practices and security
measures, including appropriate encryption and physical security measures to guard
against unauthorized access to systems where we store personal data. All Information
gathered on the Digi Khata App is securely stored within the controlled database.
Access to the servers is password-protected and is strictly limited.
- Our security measures are regularly reviewed and updated to reflect technological
developments. Regardless of where your personal information is transferred or
stored, we take all steps reasonably necessary to ensure that personal information
is kept secure, however, please understand that no transmission of data over the
internet or any other public network can be guaranteed to be 100% (one hundred
- We seek to ensure compliance with the requirements of the applicable data protection
laws to ensure the protection and preservation of the User’s privacy and personal
Information. We have physical, electronic, and procedural safeguards that comply
with the laws prevalent in specific jurisdiction to protect User’s Personal
Information. By accepting the terms of this Policy, you agree that the standards and
practices being implemented by us, are reasonable and sufficient for the protection
of your personal information.
- We will contact you regarding any breach of the security, confidentiality, or
integrity of your unencrypted electronically stored Personal Information to you via
email or any other feasible manner in the most expedient time possible and without
unreasonable delay, insofar as consistent with the legitimate needs of law
enforcement and will undertake all measures necessary to determine the scope of the
breach and restore the reasonable integrity of the data system.
- Link to third party sites/ad-servers: The Site may include links to other websites such as
advertisers, blogs, content sponsorships, vendor services, social networks, etc. Such
websites are governed by their respective privacy policies, which are beyond our control.
Once you leave our servers (you can tell where you are by checking the URL in the location
of the operator of the site you are visiting and we make no representation or warranty on
how your information is stored or used on third-party servers. That policy may differ from
website's homepage, you should contact the website directly for more information.
Revocation of consent:
- We will only collect and process Personal Information about you where we have a lawful basis
to do so. Our primary purpose in collecting your information, including Personal Information
from you is to deliver the personalized Digikhata and its various features. Please note that
should you choose to not provide us consent to collect your information, including Personal
Information, we may not be able to perform the contract with you. Where we refer to 'perform
which means that you may either not be able to access certain features of the Digikhata
Service or we may not be able to provide you the Digikhata Service in entirety.
- We will use your Personal Information with your explicit consent as follows:
- When you agree to share your precise location based on GPS data, we will combine
this information with other information that you provide to us on the Digikhata
Service to provide personalized content and advertisements with better accuracy
basis your geographic location e.g. you may see more regional content
recommendations or advertisements for local establishments, when you share your
precise location based on GPS data;
- When you agree to share information pertaining to the applications frequently used
by you on your device, we will combine this information with other information that
you provide to us on the Digikhata Service, to display advertisements that are more
relevant to your interest areas.
- Whenever the law requires us to get your permission or where we have stated we may seek your
permission in this Privacy Notice. In some contexts, we use your Personal Information where
we have a legal obligation to do so or to protect your vital interests or those of another
person such as:
- Prevent, detect and investigate potentially prohibited or illegal activities,
including fraud, and enforcing our terms (such as determining free trial
- Confirming your identity if you are exercising legal rights;
- Carry out our obligations and enforce our rights arising from any contracts entered
into between you and us/our distributor.
A User can revoke his consent to the processing of his personal information at any time with
effect for the future. Please note that withdrawing consent does not affect our right to
continue to collect, use and disclose personal information where such collection, use and
disclosure without consent is permitted or required under applicable laws.
Responsible organization for the data collection:
We may alter our Policy from time to time to incorporate necessary changes in technology,
applicable law or any other variant. In any case, we reserve the right to change (at any
effective immediately on notice, which we may give by posting the new policy on the Site.
Your use of the Digi Khata App Services after such notice will be deemed acceptance of such
changes. We may also make reasonable efforts to inform you via electronic mail. In any case,
you are advised to review this Policy periodically on the Site to ensure that you are aware
of the latest version.
- All the Digikhata App Services are currently provided and regulated by Digi Khata (Private)
Limited and therefore Digi Khata (Private) Limited is responsible for the collection,
storage and processing of personal information of the Users.
- All the Digikhata App Services are currently provided and regulated by Digi Khata (Private)
Limited and therefore Digi Khata (Private) Limited is responsible for the collection,
storage and processing of personal information of the Users, except the information being
collected by our third-party service providers after obtaining express consent from the
Individual Users who shall provide such data either directly to us to be forwarded to our
third party service providers, or directly to such third party service providers.
- In the event you have any grievance relating to the processing of Information provided by
you, you may contact our Grievance Officer at
[email protected] or write to us at the following
- Digi Khata Office
- Office 2, First Floor, Noor Centre,
- 33-Z Madina Town
- Faisalabad, Pakistan 38000
- In case any personal information is shared by you with us, which is not requested by us
during registration, (whether mandatorily or optionally), we will not be liable for any
information security breach or disclosure in relation to such information. If you have any
questions regarding this Policy or the protection of your personal information, please
contact our data protection officer/grievance officer.