Privacy Policy for MarkOne

Last Updated: 1 September 2026

Developer / Company: Markytics.AI

Contact Email: [email protected]

Applicable Scope: Users accessing MarkOne via mobile applications (iOS / Android) and web applications under the Collection Manager and field operations designation.

1. Introduction

This Privacy Policy describes how Markytics.AI ("Company", "we", "us", or "our") collects, uses, protects, and discloses information when you use the MarkOne mobile application (iOS and Android) and web platform (collectively, the "Platform" or "App").

MarkOne is an enterprise B2B loan collection, communication, and field operations platform provided to financial institutions, NBFCs, and authorized enterprise clients. This policy applies to authorized users (such as Collection Managers and field agents) accessing the application to manage allocated customer accounts, log interaction feedback, initiate communication, and record visit verification.

2. Information We Collect

2.1 User Account Information

• Identity & Contact Details: Name, email address, employee ID / user ID, and contact phone number.
• Designation & Organization: User role (Collection Manager), assigned branch, center, and lending client/tenant mapping.
• Authentication Data: Encrypted passwords, single sign-on (SSO) session tokens (e.g., via Microsoft Azure AD / Entra ID).

2.2 Customer & Loan Data Accessed by Authorized Users

In your role as a Collection Manager, the application displays and processes borrower records allocated to you by your organization, including:

• Borrower Profile: Name, customer ID, loan/disbursement ID, and phone numbers.
• Loan Details: Overdue amount, days past due (DPD), payment schedule, promise-to-pay (PTP) records, and loan status.
• Location & Co-applicant Details: Branch/region, co-applicant contact details, and relevant collateral information.

2.3 Activity, Communication & Field Visit Data

• Call & Telephony Logs: In-app calling timestamps, call duration, connected party (applicant/co-applicant), and telephony session metadata when using the built-in dialer or WebRTC/SIP calling.
• Collection Feedback & Receipts: Dispositions, collection remarks, payment link generation records, collected amounts, and updated alternate contact details.
• Field Visit Proof: Photos captured through the in-app camera and GPS location coordinates (latitude, longitude, and resolved address) recorded when attaching field visit verification proof.

2.4 Technical, Device & Diagnostics Data

• Device Identifiers: Device model, operating system version (iOS / Android), unique device identifiers, and IP address.
• App Performance & Diagnostics: Crash logs, session logs, and performance metrics to troubleshoot stability and prevent unauthorized access.

3. Device & Mobile App Permissions

The MarkOne mobile application may request the following permissions based on your actions within the app:

• Microphone (RECORD_AUDIO / NSMicrophoneUsageDescription): Required exclusively when initiating or receiving in-app voice calls with borrowers via WebRTC/SIP telephony. Audio is not recorded or monitored outside active calling sessions.
• Camera (CAMERA / NSCameraUsageDescription): Used only when you choose to capture real-time photo evidence during a physical field visit.
• Location (ACCESS_FINE_LOCATION, ACCESS_COARSE_LOCATION / NSLocationWhenInUseUsageDescription): Used while the app is in use to tag the precise location of a customer visit proof submission. We do not track your location in the background when the app is closed.

You can manage or revoke these permissions anytime in your device's system settings.

4. How We Use Your Information

We process the collected data strictly for enterprise operational purposes:

1. To authenticate your identity and grant role-based access to allocated customer accounts.
2. To facilitate authorized communication and call routing between field agents and borrowers.
3. To log and audit collection actions, payment link dispatches, and field visit feedback.
4. To provide operational reports, audit trails, and compliance verification to your employer/lending client.
5. To maintain application security, prevent fraud, and ensure platform reliability.

We do not sell user or customer personal data to third parties, and we do not use personal data for third-party advertising.

5. Data Sharing and Third Parties

Information collected through the Platform may be shared only with:

• Your Employing Institution / Lending Client: The financial institution that provisioned your account and owns the underlying customer portfolio.
• Identity Providers: Microsoft Azure AD / Entra ID for secure single sign-on authentication.
• Telephony & Communication Gateways: Infrastructure providers that route calls and deliver SMS/payment link messages.
• Cloud Infrastructure Providers: Secure ISO/SOC-certified cloud hosting providers for encrypted database storage and API processing.
• Legal and Regulatory Authorities: When mandated by applicable law, court orders, or financial regulatory compliance.

6. Data Security

We implement enterprise-grade technical and organizational safeguards, including:

• Encryption in Transit & at Rest: All data exchanged between the mobile app, web platform, and servers is encrypted using modern TLS (HTTPS) protocols and encrypted at rest.
• Strict Role-Based Access Control (RBAC): Users can only view data allocated to their specific designation and branch.
• Session Protections: Automatic token expiration, secure authentication headers, and proactive account lockout policies.

7. Account & Data Deletion (User Rights)

Depending on applicable data protection regulations, you have the right to access, rectify, or request deletion of your personal account information.

• Account Deletion Requests: Because MarkOne is an enterprise platform provisioned by your employer or lending organization, account deletion and data lifecycle requests can be initiated by contacting your organization's system administrator or by emailing [email protected] with the subject "Data Deletion Request - MarkOne".
• Data Retention: Certain collection records, audit logs, and transaction receipts are retained in accordance with financial regulations, lending compliance, and statutory audit obligations applicable to your lending institution.

8. Changes to This Policy

We may update this Privacy Policy periodically to reflect app updates or regulatory requirements. Any material changes will be notified within the application or via administrative notice. Continued use of MarkOne following updates indicates acceptance of the revised policy.

9. Contact Us

If you have questions, feedback, or privacy-related inquiries regarding MarkOne:

• Company: Markytics.AI
• Contact Email: [email protected]
• Jurisdiction: India