12. Purposes for which we use data
Activity Type of data Purpose for processing including basis of legitimate interest If you are MISCo's Client (Bank, Merchant, FinTech, etc.) (On-boarding information (KYB), incorporation documents, shareholders identities, contact details, financial statements, other supporting documents (as applicable). To conduct due diligence that MISCo is legally required to undertake to ascertain Client fits regulatory requirements and passes background checks (criminal checks, etc.)
If you are an End-User of the AIS service Account details: account balances, details, statements, transactions, beneficiary, standing order details, etc.
Other: personal data registered on the account such as name, contact details, phone number, email, and customer identifiers such as ID information (as applicable). To successfully deliver the AIS Service.
If you are an End-User of our PIS service
Transaction details: (merchant ID, payee identity / payer bank, bank account number (IBAN), transaction reference ID, transaction amount, account names, various other IDs to uniquely identify a transaction, status of transaction) which will also be shared with the merchant / payee for transaction recording, enabling subsequent payments and initiating refunds (if required)
Customer experience data: user journey details, location, device type, IP address, telecom carrier, OS version, etc.
Other: Name, contact details, email, phone number, customer identifiers such as ID.
To successfully deliver the PIS Service and monitor customer experience for analytical purposes.
If you are an End-User of our AIS/PIS service and have raised a complaint, query, or wish to exercise any of your legal rights etc. Name, email address, supporting information/ documents (nature of the complaint, query, transaction record, etc.)
To conduct the investigation that is required to resolve any issues faced. If you register to the Developer Portal Sign up phase: Email id, first name, last name, company name, phone number (optional)
Registration phase: Customer company name, customer contact name, customer contract email, account email, sandbox client id, merchant/client logo, beneficiary account (for PIS) beneficiary account holder name (for PIS), merchant category (for PIS) and maximin transaction limit (for PIS)..
To ensure a seamless user journey for utilizing MISCo products and services.
If you are visitor to MISCo's official website
First name, last name, business email, job title, company name, company industry, country, phone number (optional), unique message
To provide updates on MISCo's activities, services, and products;
To share details with sales team to get in-touch;
to record the marketing preferences and any feedback or responses for the purposes of improving our services. If you are a part of MISCo's employee
Information provided in curriculum vitae, application form, covering letter and during the interview process including: your name, date of birth, age, gender, home address, personal email address, education, qualification and work experience details, and references. Information collected or created by us during the recruitment process including interview notes, test scores and correspondence between us. Information about criminal convictions: we carry out background checks as part of the recruitment process. Sensitive information like your racial and ethnic origin information and information relating to disabilities, religious beliefs or sexual orientation, marital status for visas, physical or mental health information and immigration/naturalization records (if this discloses racial/ethnic origin information Necessary to enter an employment control; to comply with a legal or regulatory obligation; have a legitimate interest to ensure the effective administration and management of the recruitment process; ensure MISCo hires suitable individual for a role; deal with disputes and accidents and take legal or other professional advice; and ascertain Staff fitness to work. Special category data is processed to consider the need to provide appropriate adjustments during the recruitment process and to ascertain fitness to work for equal opportunity monitoring purposes. Criminal conviction information is processed to assess suitability for a regulated role; to protect interests, because it is necessary in relation to legal claims. MISCo is allowed to utilize Staff personal information where it is necessary to carry out employment rights and obligations.
