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Privacy Policy

Last Updated: July 1, 2026

Muezza Collect (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered collection, EMI recovery, credit management, QR activation, IMEI tracking, device locking, and payment automation platform (the “Service”). By using the Service, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

• Personal Data: Name, email address, phone number, company name, and billing information when you register or contact us.
• Financial & Device Data: EMI schedules, payment histories, IMEI numbers, device identifiers, and QR activation logs necessary to provide our collection and security features.
• Usage Data: IP address, browser type, pages visited, and interactions with the dashboard for analytics and service improvement.
• Cookies & Similar Technologies: We use essential cookies for platform functionality and optional analytics cookies. You can control cookie preferences via your browser.

2. How We Use Your Information

Your data is used strictly to deliver and enhance the Service:

• Process EMI collections, automate reminders, and manage customer accounts.
• Enable device locking, IMEI registration, and QR-based device activation.
• Send transactional notifications (WhatsApp, SMS, email) related to payments and account status.
• Provide analytics, reports, and AI-driven insights to help your business.
• Ensure security, prevent fraud, and comply with legal obligations.
• Communicate product updates, offers, and support responses (with your consent where required).

3. Data Sharing & Disclosure

We do not sell your personal data. We may share data only in the following circumstances:

• Service Providers: Trusted third parties that assist us (e.g., cloud hosting, SMS/WhatsApp gateways, payment processors) and are contractually bound to protect your data.
• Legal Requirements: If required by law, regulation, or valid legal request from authorities.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your data may be transferred with adequate safeguards.

4. Data Security

We implement bank-grade security measures to protect your information:

• Encryption: AES-256 encryption for data at rest and TLS 1.3 for data in transit.
• Access Control: Role-based access, multi-factor authentication, and strict internal policies.
• Monitoring: 24/7 security monitoring, regular penetration testing, and vulnerability assessments.
• Backup: Secure cloud backups with redundancy to ensure 99.99% uptime and disaster recovery.

However, no method of electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

5. Data Retention

We retain your personal and financial data only as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable laws. When your account is terminated, we securely delete or anonymize your data within a reasonable timeframe, unless legal retention obligations apply.

6. Your Rights

Depending on your jurisdiction, you may have rights to:

• Access, update, or delete your personal data.
• Object to or restrict certain processing activities.
• Data portability (receive your data in a structured, commonly used format).
• Withdraw consent at any time (where processing is based on consent).

To exercise your rights, contact us at privacy@muezzacollect.com. We will respond within 30 days.

7. Third-Party Services

Our platform may integrate with third-party APIs (e.g., ERP systems, payment gateways). These services have their own privacy policies; we encourage you to review them. We are not responsible for the privacy practices of external services.

8. Children’s Privacy

Muezza Collect is not intended for individuals under the age of 18. We do not knowingly collect data from children. If we become aware of such data, we will promptly delete it.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or through the platform. The “Last Updated” date at the top indicates the latest revision. Continued use of the Service after changes constitutes acceptance.

10. Contact Us

If you have questions or concerns about this Privacy Policy, contact us:

Email: privacy@muezzacollect.com
REGISTERED OFFICE: MUEZZA FINANCE NOVIXA GLOBAL PRIVATE LIMITED CIN: U64910WR2026PTC294934 Gopalpur, English Bazar, Malda – 732209, West Bengal, India.