Welcome to TallyEdge Help

TallyEdge allows you to manage your accounts aggregation activity with ease. Using TallyEdge you can ensure authenticated and secure data sharing by the Financial Information Provider (FIP) to the Financial Information User (FIU).

As an individual, when you apply for a personal loan, vehicle loan, or home loan, you need to provide various supporting documents to the lending agency. Similarly, businesses may take loans for equipment or machinery financing, or working capital. For that too the applicant needs to provide documents. TallyEdge assists you in making document sharing by your banks or other agencies (FIP) to the lending agency (FIU) simple and convenient.

Own a VUA: To get started with TallyEdge, you just need to create an account, either an Individual account or a Business account. On registering, TallyEdge allocates a unique Virtual User Address (VUA) to you. This VUA is the key to enjoying the facilities offered by TallyEdge.

Link FIP Accounts: Once a VUA is created, you can find and link your accounts with FIPs using the mobile numbers registered with the FIP accounts. These linked FIPs can share data with FIUs based on your consents.

Consents and Data Sharing: When you initiate a loan application, your FIU will raise consent requests to you for fetching the transaction and financial information from your FIPs. TallyEdge will not share any of your financial information without your consent. For every FIP, there will be separate consent requests. You can approve or reject any request, as needed. After a request is approved by you, the FIP will share data, in an encrypted format, with the FIU as per the scheduled frequency and duration. TallyEdge does not keep the data or analyse the data.

After the period of data sharing is over, consents will expire and TallyEdge will maintain such consents under an archive. You also have options to pause or resume, and revoke any active consent, if needed.

Add and Authenticate Users: In addition to you managing the consents and data sharing by FIPs to FIUs, you can add and authenticate other users to access your VUA and handle business as needed.

In effect, TallyEdge provides you the flexibility to control all data sharing by the FIPs to the FIUs, and decide who can access your VUA.

TERMS AND CONDITIONS

INTRODUCTION
1. This Terms and Conditions Agreement (“Terms”) is entered into by and between Tally Account Aggregator Services Private Limited (“us”/“we”/“our”), a company registered under laws of India and the Customer (“you”, “your”), for the Services (defined below). Your use of our website and application (collectively “Platform”) is governed by these Terms. These Terms constitute a binding and enforceable legal contract between you and us.
2. By using the Services or the Platform, you acknowledge to have read, understood, and agree to be legally bound by these Terms, and that you shall comply with the requirements listed hereunder. If you do not agree to all of these Terms or comply with the requirements listed herein, please do not access the Platform or use the Services. We reserve the right to modify or terminate any portion of the Platform or the Services offered by us or amend the Terms for any reason, without notice and without liability to you or any third party. To make sure you are aware of any changes, please review the Terms periodically.
3. These Terms shall be read in conjunction with our privacy policy, available at www.tallyedge.com (“ Privacy Policy ”), and any
  
  guidelines, additional terms, policies, or disclaimers made available or issued by us from time to time.
4. Capitalised terms used in these Terms shall have the same meaning as ascribed to them in the AA Master Directions (defined below) unless the context indicates otherwise.
DEFINITIONS
1. “AA Master Directions” shall mean the Master Direction - Non-Banking Financial Company -Account Aggregator (Reserve Bank) Directions, 2016 as amended, revised, or updated from time to time; and
2. “Applicable Law” shall mean any statute, law, regulation, ordinance, rule, judgment, notification, order, decree, by-law, permits, licenses, approvals, consents, authorisations, government approvals, directives, guidelines, requirements or other governmental restrictions, or any similar form of decision of, or determination by, or any interpretation, policy or administration, having the force of law of any of the foregoing, by any regulatory authority.
3. “Financial Information” shall have the same meaning ascribed to it in the AA Master Directions;
4. “Financial Information Provider” shall have the same meaning ascribed to it in the AA Master Directions;
5. “Financial Information User” shall have the same meaning ascribed to it in the AA Master Directions;
6. “Financial Sector Regulator” shall have the same meaning ascribed to it in the AA Master
  
  Directions;
7. “RBI” shall mean the Reserve Bank of India.
8. Tally Account Aggregator Services Private Limited or Tally Edge includes affiliates, subsidiaries, group and associate companies of Tally Account Aggregator Services Private Limited.
SCOPE
1. Through the Platform, you may retrieve, view, consolidate and share Financial Information that is available with Financial Information Providers, and present your Financial Information to Financial Information Users.
2. The services offered by us through the Platform are referred to as “Services” (which term also includes the provision of the Platform to you).
3. For us to render the Services to you, you hereby authorise and appoint us as your agent with limited power to access, fetch or retrieve, with your consent, your Financial Information, sensitive personal information, etc., from Financial Information Providers.
4. The provision of any or all the Services is subject to Applicable Laws in India. Further, the provision of any or all of the Services is subject to our sole discretion and their availability on the Platform.
5. Pursuant to our Privacy Policy, you may revoke your consent at any point of time.
ELIGIBILITY

Use of the Platform is available only to those individuals and organizations who can form legally binding contracts under Applicable Law in their respective jurisdictions. If you are a minor, i.e., under the age of 18 years, you shall not register as a user of the Platform and shall not use the Platform. As a minor, if you wish to use the Platform, such use may be made by your legal guardian or parents on the Platform. We reserve

the right to terminate your membership and/or refuse to provide you with access to the Platform if it is brought to our notice or if it is discovered that you are under the age of 18 years. You represent and warrant that you have full legal capacity and authority to agree and bind yourself to these Terms. If you are authorized to act on behalf of an entity, organisation, or any other legal person, you confirm and represent that you have the necessary power and authority to bind such entity, organisation, or legal person to these Terms and your acceptance of these Terms implies acceptance by such relevant organization/institution.
PROFILE CREATION
1. To avail the Services, you will be required to create a profile on the Platform (“Profile”). In addition to setting up a username and password to create the Profile, you will be required to furnish certain details, including but not limited to phone numbers and other personal information. You warrant that all information furnished in connection with your Profile is and shall remain accurate and true, and you agree that you shall promptly update your details on the Platform in the event of any change to or modification of this information.
2. You will maintain the security and confidentiality of your username and password and immediately notify us of any disclosure or unauthorised use of your Profile or any other breach of security with respect to your Profile.
3. You will be liable and accountable for all activities that take place through your Profile. We shall in no manner be liable for any unauthorised access to your Profile.
4. We do not independently verify the information provided by you and therefore, we shall in no way be responsible or liable for the accuracy, inaccuracy, obsolescence, or completeness of any information provided by you.
5. If you provide any information (or if we have reasonable grounds to suspect that you have provided information) that is untrue, inaccurate, obsolete, or incomplete, we may suspend or terminate your Profile and refuse any use of the Services.
6. You will maintain the confidentiality of your password. We will not be liable for any leak of information on your part and the consequences of the same. You agree to immediately notify us of any disclosure or unauthorized use of your credentials or any other breach of security concerning your Profile.
7. By providing us with your email address and mobile number, you agree to receive all required notices, notifications, and information electronically on that email address or mobile number. It is your responsibility to update any changes to your email address and mobile number.
CONSENT ARCHITECTURE

The Company will not retrieve, share, or transfer your Financial Information without your explicit consent. The Company shall perform the function of obtaining, submitting, and managing your consent in accordance with the AA Master Directions.

The Company shall obtain your consent in a standardized consent artefact which shall contain the following details:
1. Your identity and contact information; and
2. The nature of the Financial Information requested; and
3. purpose of collecting such Financial Information; and
4. the identity of the recipients of the Financial Information, if any; and
5. URL or other address to which notification needs to be sent every time the consent artefact is used to access information; and
6. Consent creation date, expiry date, identity, and signature/ digital signature of the Company; and
7. any other attribute as may be prescribed by the RBI.
At the time of obtaining consent, the Company shall inform you of all necessary attributes to be contained in the consent artefact as mentioned above and your right to file complaints with relevant authorities in case of non-redressal of grievances.
OUR OBLIGATIONS

In this respect, we will comply with all Applicable Laws, in particular the AA Master Directions, and do everything that is required of us by the AA Master Directions, while providing the Services to you.
1. We shall provide the Services to you on the basis of your explicit consent.
2. We shall share information with the Financial Information User as authorized by you in accordance with the terms of the consent provided by you.
3. None of your Financial Information accessed by the Company from the Financial Information Providers shall reside with Company.
4. We shall ensure that no information is shared without your explicit consent.
5. We shall not use or access your Financial Information other than for performing Services as explicitly requested by the Customer.
YOUR RESPONSIBILITIES
1. You shall be solely responsible for ensuring compliance with Applicable Laws and shall be solely liable for any liability that may arise due to a breach of your obligations in this regard.
2. You shall extend all cooperation to us in our defence of any proceedings that may be initiated against us due to a breach of your obligations or covenants under these Terms.
3. You shall not use the Services in any manner except as expressly permitted in these Terms. Without limiting the generality of the preceding sentence, you shall not:
  1. use the Services to transmit any data or send or upload any material that contains viruses, trojan horses, worms, timebombs, keystroke loggers, spyware, adware, or any other harmful programmes or similar computer code designed to adversely affect the operation of any computer software or hardware; and/or
  2. use any robot, spider, other automated device, or manual process to monitor or copy the Platform or any portion thereof and/or;
  3. engage in the systematic retrieval of content from the Platform to create or compile, directly or indirectly, a collection, compilation, database, or directory; and/or
  4. use the Services in (A) any unlawful manner, (B) for fraudulent or malicious activities, or (C) in any manner inconsistent with these Terms; and/or
  5. violate Applicable Laws in any manner.
4. You warrant that you shall not engage in any activity that interferes with or disrupts access to the Platform.
5. You shall not attempt to gain unauthorised access to any portion or feature of the Platform, any other systems or networks connected to the Platform, to any of our servers, or through the Platform, by hacking, password mining, or any other illegitimate means.
6. FIU shall never request your credentials (like passwords, PINs, private keys) which may be used for authenticating your Account at FIP and that you should never provide these details.
7. You hereby accept full responsibility for any consequences that may arise from your use of the Services.
INTELLECTUAL PROPERTY RIGHTS (IPR)
1. All rights, title, and interest in and to the Platform and Services, including all intellectual property rights arising out of the Platform and Services, are owned by, or otherwise licensed to us. You agree not to display or use, in any manner, our intellectual property rights including trademarks without our prior written permission.
2. Except as stated herein, none of the materials may be modified, copied, reproduced, distributed, republished, downloaded, displayed, sold, compiled, posted, or transmitted in any form or by any means, including but not limited to, electronic, mechanical, photocopying, recording or other means, without our prior express written permission. Save and except with our prior written consent, you may not insert a hyperlink to the Platform, or modify/ alter any information or materials contained in the Platform.
3. No license or other such right is granted per this Agreement and your access to and/or use of the Platform should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademarks, service marks or logos appearing in the Platform without the prior written consent of the Company or the relevant third party proprietor thereof.
TERM AND TERMINATION
1. These Terms shall remain in effect unless terminated in accordance with the terms hereunder.
2. We may terminate your access to or use of the Services, or any portion thereof, immediately and at any point, at our sole discretion if you violate or breach any of the obligations, responsibilities, or covenants under these Terms, or when you cease to become a user of our Services or Platform.
3. Upon termination of these Terms:
  1. the Profile will expire; and/or
  2. the Services will “time-out”; and/or
  3. these Terms shall terminate, except for those clauses that expressly or are intended to survive termination or expiry.
DISCLAIMERS AND WARRANTIES
1. We do not warrant the accuracy, suitability, or correctness of any Financial Information that is made available on or through the Services. The Platform and the Services are provided by us on an “as is” basis without warranty of any kind, (whether express, implied, statutory, or otherwise), including the implied warranties of title, non-infringement, merchantability, or fitness for a particular purpose. Without limiting the foregoing, we make no warranty that:
  1. the Platform or the Services will meet your requirements or expectations, or that your use of the Services will be uninterrupted, timely, secure, or error-free; and
  2. any errors or defects in the Platform will be corrected.
2. No advice or information, whether oral or written, obtained by you from us shall create any warranty that is not expressly stated in these Terms.
3. To the fullest extent permissible under Applicable Law, we, our affiliates, and related parties each disclaim all liability towards you for any loss or damage arising out of or due to:
  1. your use of, inability to use, or availability or unavailability of the Services;
  2. the occurrence or existence of any defect, interruption, or delays in the operation or transmission of information to, from, or through the Services, communications failure, theft, destruction or unauthorized access to our records, programmes, services, server, or other infrastructure relating to the Services; or the failure of the Services to remain operational for any period of time.
4. Further, all Financial Information obtained from Financial Information Providers may be based on delayed feeds and may not reflect the real-time/ rates. We shall not be responsible for any errors or delays in the Financial Information provided to the Financial Information Users as part of its Services or for any actions taken by the Financial Information Users in reliance thereon.
5. The use of any information set out is entirely at your own risk. You should exercise due care and caution (including if necessary, obtaining of advise of tax/ legal/ accounting/ financial/ other professionals) prior to acting or omitting to act, on the basis of the information contained / data generated herein. We shall not be liable for any loss arising from the use of the Services and/or the Platform. You will be solely liable for any consequences, legal, financial or other, that may arise out of usage of the Services.
6. We do not warrant that access to the Platform shall be uninterrupted, timely, secure, or error free nor does it make any warranty as to the results that may be obtained from the Platform or use, accuracy or reliability of Services.
CHANGES & MODIFICATION

We reserve the right to modify these Terms, in our sole discretion, at any time. Such modifications may be posted through the Services, on our Platform or when we notify you by other means. The changes may be periodically intimated to you and your continued use of the Services indicates your agreement to the modifications.
GOVERNING LAW, DISPUTES & JURISDICTION
1. This Agreement shall be governed by and construed in accordance with the laws of India.These Terms, the Services and the relationship between you and us shall be governed in accordance with the laws of India. You agree that all claims, differences, and disputes arising under or in connection with or in relation
  
  hereto the Platform, these Terms, the agreement(s) entered into on or through the Platform or the relationship between you and us shall be subject to the exclusive jurisdiction of the courts at Bangalore.
2. Subject to the foregoing, in the event of a dispute whatsoever arising in any way connected with the interpretation or implementation of any term of these Terms, or in any way connected with the use or inability to use the Services, the same shall be referred to an arbitrator appointed in accordance with the Arbitration and Conciliation Act, 1996 as amended from time to time, and the decision of the arbitrator will be final and binding. The arbitration proceedings will be held in Bangalore, India.
LIMITATION OF LIABILITY

In no event shall we be liable for any special, incidental, punitive, indirect or consequential damages whatsoever (including but not limited to damages for loss of profits, loss of confidential or other information, for business interruption, for personal injury, for loss of privacy, for failure to meet any duty including of good faith or of reasonable care, negligence, and any other pecuniary or other loss whatever) arising out of or in any way related to the use of or inability to use the Services or failure to provide support or other services, information and related content through the software or Platform, or otherwise arising out of the use of the Services, even if you have been advised of the possibility of such damages. In no event will our entire liability to you in respect of Service and Platform, whether direct or indirect, exceed the payment made to us by you. We shall have no liability to you if we are prevented from or delayed in performing our obligations due to force majeure event.
ENTIRE AGREEMENT, SEVERABILITY AND ASSIGNMENT

These Terms represents the complete and exclusive understanding between you and us regarding your use of Services. If any provision of these Terms is found to be void, invalid, or unenforceable, it shall be severed from and shall not affect the remainder of these Terms, which shall remain valid and enforceable.
THIRD PARTY RIGHTS

No third party shall have any rights to enforce any terms contained herein.
CUSTOMER GRIEVANVCE REDRESSAL

Grievance Redressal Policy is formulated with a purpose to provide the efficient customer service support through a laid down procedure and the same can be accessed via link “Grievance Redressal Policy” on company’s website. In terms of the Master Directions of RBI, if the complaint/grievance is not resolved within a period of one month from reporting, you may appeal to the Reserve Bank of India (RBI).
PRICING

We will go beyond efficiency and fairness by providing all our services at prices that enable our partners to provide affordable services to their users. The structuring of the prices will be carefully and consultatively tailored to each market segment. Our users will have the benefit of the usage of our product for downloading, registering and using our services at no direct cost. The term “users” hereunder this clause shall not include Financial Information Users (FIUs).
FORCE MAJEURE

We shall have no liability to you if we are prevented from or delayed in performing our obligations or from carrying on our business by acts, events, omissions, or accidents beyond our reasonable control, including, without limitation, strikes, failure of a utility service or telecommunications network, the act of God, war, riot, civil commotion, pandemic situations, malicious damage, compliance with any law or governmental order, rule, regulation, or direction.

CONFIDENTIALITY

You agree not to disclose or attempt to use or personally benefit from any non-public information that you may learn or discover on the Platform or through the Services. This obligation shall continue until such time as the non-public information has become publicly known through any action of yours. If you are compelled by order of a court or other governmental or legal body (or have notice that such an order is being sought) to divulge any such non-public information, you agree to notify us promptly and diligently and cooperate fully in protecting such information to the extent possible under applicable law.

We may access, preserve and disclose any of your information, if required, subject to applicable law, for the facilitation of any Services to you as per your explicit request, or to do so to ensure compliance with applicable law, or if we believe in good faith that it is reasonably necessary to (i) respond to claims asserted against us or to comply with legal process, (ii) for fraud prevention, risk investigation, your support, product development and de-bugging purposes, or (iii) protect our rights, property or safety of our users or members of the public.

THIRD PARTY WEBSITES OR LINKS

Any access to a third party’s software applications or links on the Platform shall be at your sole risk, and we shall not be liable for any losses sustained by you, or any third party in this regard. You understand and agree that when you access a link that leaves our Platform or any third-party software applications on the Platform, the site you will enter into or the third-party software you access, and use is not controlled by us and will have different terms of use and privacy policies that may be applicable. By accessing links to other sites or accessing such third-party software applications, you acknowledge that we are not responsible for those sites/third party software. Your use of any third-party software application or links on the Platform is subject to the license you agreed to with the third party that provides you with the software/links. We do not own or control nor do we have any responsibility or liability for any third-party software application or links that you elect to use on our Platform and/or in connection with the Services. Any transaction you undertake on such third party sites or third party software applications would be solely at your own risk, and we shall not be liable for it in any way. We reserve the right to disable third party links or software applications on the Platform, although we are under no obligation to do so.

INTRODUCTION

The Grievance Redressal Policy ("Policy”) is designed to handle any complaints or grievances of any customer on the Company’s platform ( www.tallyedge.com and all associated Mobile Apps) and aims to minimize the recurrence of similar issues in the future, through a structured grievance redressal framework, supported by a review mechanism.

We sincerely believe in holding the relationship with every customer, new or old, in its full sanctity. We understand that there can be a possibility of an issue not being resolved at a lower level; therefore, this policy provides a redressal mechanism for all levels of issues. We will do our best to ensure that the redressal of any feedback, query, complaints or grievance is fair and just and within the given framework of rules and regulation.
REGULATORY FRAMEWORK
1. This Grievance Redressal Policy has been prepared as per the provisions of the Master Directions DNBR.PD.009/03.10.119/2016-17 dated September 02, 2016 and last updated on December 29, 2022 captioned “Master Direction- Non-Banking Financial Company - Account Aggregator (Reserve Bank) Directions, 2016” (“Master Directions”) as applicable to NBFC - AA.
2. Tally Account Aggregator Services Private Limited (“Company”,” Tally” “we”, “our”), being a NBFC-AA, is accordingly required to put such a Policy in place.
  
  As the policy is prepared in line with RBI master directions of NBFC-AA, the policy is subject to the changes in aforesaid master directions.
APPLICABILITY

This Policy covers how we address any complaints or grievances raised by customers (“Customers”, you” or “your”) on our Platform.
PURPOSE

This Policy is formulated with a purpose to provide the efficient customer service support through a laid down procedure. In order to make grievance redressal more meaningful and effective, a structured system has been built up towards such an end. This system would ensure that the redressal sought is just and fair, and within the given framework of rules and regulations.
Principles of Grievance Redressal

The Grievance Redressal policy follows the following principles:
1. All customers are always treated fairly and without bias.
2. Complaints raised by customers are dealt with courtesy and in a timely manner.
3. Customers are informed of avenues to escalate their complaints and their rights if they are not satisfied with the resolution of their complaints.
4. The employees work in good faith and without prejudice, towards the interests of the customers.
5. Resolutions would follow the simple principle of ensuring an effective resolution.
6. The responses would be consistent with RBI guidelines at all times as applicable to mitigate impact on customer on account of the grievance.

GRIEVANCE REDRESSAL MECHANISM

A Customer may lodge a complaint in writing through e-mail. In case of any grievances, the Customers can intimate and record their complaints / grievances for a resolution in the manner detailed below:

Registration of Complaints

Lodge of complaint - The Company shall enable registration of complaints by Customers through multiple channels. Anonymous complaints will not be considered in terms of this

Customer Grievance Redressal Mechanism. Grievances must be spelled out clearly. Customers shall ensure that they quote their Customer ID /Reference no. in their correspondence with the Company regarding their complaint.

The various channels available to customers are as follows: –
1. Website: Online through the links indicated below or by directly contacting the Grievance Redressal Officer.
2. E-mail: Customers can send an email for redressal of issues to grievances[at]tallyedge[dot]com
3. Grievance Redressal Officer: Customers may also reach out directly to Grievance Redressal officer over email which is provided in the below sections.
Grievance Redressal Officer:

The Company shall appoint a Grievance Redressal Officer for customer grievances. The Grievance Redressal Officer is responsible for implementation and monitoring of customer grievances redressal in the Company. Aggrieved Customers can write directly to the Grievance Redressal Officer regarding their grievances online at grievances[at]tallyedge[dot]com and physically at

Mr. Rathna Raj Talacauvery

Grievance Redressal officer

Tally Account Aggregator Services Private Limited No. 331-336, Raheja Arcade

Koramangala Bangalore- 560095
Mechanism To Handle grievance (Escalation Matrix)

Escalat ion

Timefram e

Customer Activity

Company’s Response

Level 1

Day of filing Grievance or

Complaint

Customer sends an email/file complaint to with the requisite information and the grievances to Grievance redressal officer

Company will send (automated or manual) acknowledgement within 24 hrs. We will aim to resolve the issues within 10

days.

Level 2

After 10

Days of filing Grievance or Complaint

In case the complaint is not resolved within the given time or if the customer is not satisfied with the solution provided through above channels, then Customer can connect with the Company on Tel.

Company will ensure that the complaint/grievance is resolved within 20 days, subject to receipt of appropriate /requisite details from the customer. Any delay will be communicated to the

customer.

No. 080-68103633 with

appropriate details.

Level 3

After 20

Days of filing Grievance or Complaint

In case the complaint is not resolved within the 20 days or if the customer is not satisfied with the solution provided through above channels, then Customer can connect with the Director on tejas[at]tallyedge[dot]com with

appropriate details.

Company will ensure that the complaint/grievance is resolved within 30 day

Level 4

Post 30

Days of filing Grievance

If the customer is not satisfied with the resolution, does not receive a resolution or in the event of non-receipt of reply within 30 days from the lodgement of the complaint, from the company, customer may appeal to the regulator, Reserve Bank of India, at:
To
The Department of Supervision,
Regulatory Services Section,
Regional Office,
Reserve Bank of India,
10/3/08, Nrupatunga Road,
Bangalore 560001

TYPE OF GRIEVANCES TO BE ADDRESSED

The Company shall accept and entertain all the complaints/grievances arising out of activities undertaken by the Company as per the provisions of Master Directions. The Complaints/Grievances may be in relation to, but not limited to the below mentioned areas:
1. Registration issues
2. Consent related issues
3. Account Aggregation Reports
4. Technical issues
5. Billing/Fee related issues
RESPONSIBILITIES OF BOTH PARTIES
1. Tally’s responsibilities:
  1. We shall ensure that your grievances shall be responded to within the time period prescribed under this Policy.
  2. We shall ensure mediation efforts between Tally and the Customer to effectively provide a resolution.
  3. We will analyse all disputes and provide a decision based on the facts of the case and availability of documents.
  4. Our customer grievance response team will ensure that all grievances are handled smoothly and sensitively and resolved within 30 days of receipt of the complaint. They will undergo training in handling grievances and will be updated from time to time depending on the need for training and optimizing our approach to handle grievances.
2. Customer’s responsibilities:
  1. We request all our customers to fully cooperate with us so that we may be able to provide a timely and effective grievance redressal process. Customers are expected to furnish the relevant documentation and/or information so that we can conduct an effective investigation of the issue at hand.
  2. We may request additional information on a case-to- case basis so that we ensure the right decision has been taken when investigating a dispute. We disclaim all responsibilities and liability for non-redressal of grievances due to falsified, inaccurate, mala fide or outdated information or documents that are provided by our Customers.
MONITORING

All new and pending Customer complaints along with complaints received from the Reserve Bank of India, if any shall be placed before the Board of Directors on quarterly basis for its review.
POLICY REVIEW AND AMENDMENTS

This Policy shall be reviewed and revised, if required and approved by the Board of Directors every year, in order to align with the ongoing regulatory and business requirements. The Board of Directors reserves the power to amend this policy from time to time. The Board shall review the Policy annually and otherwise as it deems appropriate.

PRIVACY POLICY

INTRODUCTION
1. This Privacy Policy (“Policy”) governs Tally Account Aggregator Services Private Limited ( “our”, “we”, or “us”) practices in relation to the storage, use, processing, and disclosure of Personal Data (defined below) that the Customer (“you”, “your”) has chosen to share with us when you access our website and mobile application (collectively, the “Platform”), or personal data that we may have access to in relation to your use of Platform or access to our account aggregation services (collectively, “Services”).
2. By accessing the Platform or otherwise using the Services, you agree to be bound by this Policy and explicitly consent to the collection, storage, use, disclosure or otherwise processing of the Data that you provide (including sensitive personal information) in accordance with this Policy. We ask for only the least amount of Personal Data necessary and essential for the purposes of provision of Services.
3. This Policy shall be read together with Terms and Conditions available (“”) on our Platform. Capitalised words in the Policy shall have the same meaning ascribed to them in the Terms available at
DEFINITIONS
1. “Information" includes data, text, images, codes, computer programmes, software and databases.
2. “Personal Data” or “Data” means any data of the Customer who is identifiable by or in relation to such data, including but not limited to the name, address, e-mail address, telephone number, proof of identity, financial and billing Information and demographic Information that is obtained by us from you, or which may otherwise be made available to us for the provision of the Services pursuant to these Terms.
3. Tally Account Aggregator Services Private Limited or Tally Edge includes affiliates, subsidiaries, group and associate companies of Tally Account Aggregator Services Private Limited
DATA WE COLLECT ABOUT YOU
1. When you use our Platform, we collect and store your Personal Data which is provided by you from time to time. You always have the option to not provide Information by choosing not to use a particular service or product provided by us.
2. We may collect, store, use and transfer the following kinds of Personal Data about you to provide you with, or in connection with the Services, including:
  1. Data pertaining to your identity and related data, such as your first and last name, gender, title, identity document and proof of addresses, consent records, of or through our Services, feedback, survey responses, etc.;
  2. Contact data, including email addresses, phone numbers, addresses, business addresses, etc.;
  3. Data about your device, including but not limited to:
    1. Location – location data recorded on your device; and
    2. Device Information – including hardware model, operating system and version, IMEI and serial numbers, user profile Information, IP addresses, browser types and versions, time zone settings, and Wi-Fi and mobile networks.
  4. Usage data, including Information about how you use our Services; and
  5. Marketing and communications data, including your preferences in receiving marketing communications from us and our third parties and your communication preferences and also to anticipate and resolve issues and concerns with Tally Edge’s Services.
3. We may also collect, use, and share aggregated data such as statistical data for any required purpose like providing, maintaining and improving Tally Edge’s platform and services and to ensure adherence to legal and regulatory requirements for prevention and detection of frauds and crimes.
COOKIES
1. We may use "cookies" as required on the Platform. "Cookies" is a term generally used for small text files a website uses to recognize repeat users, facilitate the user's ongoing access to and use of the site, allow a site to track usage behaviour and compile aggregate data that will allow content improvements and targeted advertising, preferences etc.
2. Cookies themselves do not personally identify you, but it identifies your device. Generally, cookies work by assigning a unique number to the device that has no meaning outside the assigning site. Cookies also exist within mobile applications when a browser is needed to view certain content or display an ad within the application.
3. You are being made aware that Tally Edge cannot control the use of cookies. If you do not want Information collected through the use of cookies, you may change the settings in your browsers that allows to deny or accept the cookie feature as per your discretion.
SECURITY OF DATA
1. We will take required technical and organizational precautions to prevent the loss, misuse or manipulation of the Information shared. Once your Information is in our possession, we adhere to our security guidelines to protect it against unauthorized access in compliance with Applicable Laws.
2. We will store all the Personal Data so collected, on our secure password protected and encrypted servers.
3. We have adopted reasonable security practices and procedures, to include technical, operational, managerial, and physical security controls in order to protect all Information from unauthorized access, or disclosure while it is under our control.
4. Our security practices and procedures limit access to Information on a “need to know” only basis. Further, our employees are bound by our Code of Conduct and confidentiality obligations which obligates them to protect the confidentiality of Personal Data.
5. While disposing of the Information, we use reasonable procedures to erase it or render it unreadable.
CONSENT
1. All collected Personal Data is subject to your consent to the collection, use, storage, disclosure and otherwise processing of your Information (including sensitive personal information) in accordance with this Policy.
2. You may also withdraw your consent at any time. However, in the event you withdraw consent given to us under this Policy, such withdrawal may hamper your access to the Platform or restrict provision of our services to you for which we consider that Information to be necessary.
RETENTION OF DATA
1. The Company shall keep sensitive personal data or information for the period as long as required under any applicable laws.
2. You understand and agree that in instances where we are required to disclose the data related to you in compliance with applicable laws, we shall have the right to share such data with relevant agencies or bodies.
DISCLOSURES IN RELATION TO ACCOUNT AGGREGATION
1. Our Services enable you to provide your consent for the disclosure and transfer of your Financial Information to Financial Information Users. Please note that we will under no circumstances store any Financial Information pertaining to you. We will retrieve, share, or transfer your Financial Information only with your explicit consent obtained in accordance with the AA Master Directions in a standardized consent artefact.
2. At the time of obtaining your consent, we shall inform you of all necessary attributes to be contained in the consent artefact as mentioned below and your right to file complaints with relevant authorities in case of non-redressal of grievances. The consent artefact will contain the following details:
  1. Your identity and contact Information;
  2. The nature of the Financial Information requested;
  3. Purpose of collecting such Financial Information;
  4. The identity of the recipients of the Financial Information, if any;
  5. URL or other address to which notification needs to be sent every time the consent artefact is used to access Information;
  6. Consent creation date, expiry date, identity, and signature/ digital signature of the Company; and
  7. Any other attribute as may be prescribed by the Reserve Bank of India.
3. We will also provide you with a functionality to revoke consent to obtain Information that is rendered accessible by a consent artefact, including the ability to revoke consent to obtain parts of such Information.
4. You may, at any point in time, access a record of the consents provided by you and the Financial Information Users with whom the Information has been shared on the Platform.
YOUR RIGHTS IN RELATION TO PERSONAL DATA OR INFORMATION COLLECTED BY US

You have the right to withdraw your consent at any time in writing by sending an e-mail to us at grievances[at]tallyedge[dot]com in accordance with the terms of this Privacy Policy. However, please note that withdrawal of consent will not be retrospective in nature and shall be applicable prospectively.

You may write to us at manoj.mehta[at]tallyedge[dot]com to access, review, modify or correct your personal data or information or withdraw your consent to provide personal data or information. We are not responsible for the authenticity of the information provided by you.

You agree and acknowledge that your right to access, modify and/or withdrawing your consent to provide personal data or information as mentioned above may be denied or limited by us, as may be required under any applicable law, law enforcement requests or under any judicial proceedings.
LINKS TO OTHER SITES

Links to third-party advertisements, third-party websites or any third-party electronic communication service which are operated by third parties may be provided on the Platform. Such links may not be controlled by, or affiliated to, or associated with us unless otherwise expressly specified on the Platform. We will not be responsible for any form of transmission, whatsoever, received by you from any third-party website. Accordingly, we do not make any representations concerning the privacy practices or policies of such third parties or terms of use of such third-party websites, nor do we 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 third-party websites.

The inclusion or exclusion does not imply any endorsement by us of the third-party websites, the website provider, or the information on the third-party website. The information provided by you to such third-party websites shall be governed in accordance with the privacy policies of such third-party websites, and it is recommended that you review the privacy policy of such third-party websites prior to using such websites.
CHANGES TO THIS PRIVACY POLICY

Please check our Privacy Policy periodically for changes. We may update this Privacy Policy to reflect changes to our Information processing practices.
PRIVACY OFFICER

For further clarifications with the Tally Edge’s privacy policy , please reach out to the Privacy Officer at the coordinates mentioned below -

Name: Manoj Kumar Mehta Privacy Officer

Address: 23/24, AMR Tech Park – II B, Hongasandra, Hosur Road, Bengaluru-560095

Email: manoj.mehta[at]tallyedge[dot]com

A trusted, RBI licensed Account Aggregation platform that empowers you to share your financial information securely and with your consent.

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Contact Info

AMR Tech Park II, No.23 & 24, Hongasandra,
Hosur Main Road, Bangalore 560 068, India.
Customer support: [email protected]
Business enquiries: [email protected]