MusePay is an application (hereinafter referred to as an “app”) developed by Conzumex Industries Private Limited a company incorporated under the Companies Act, 1956 with its registered office at 2nd Floor, 1662, 27th Main Rd, Parangi Palaya, Sector 2, HSR Layout, Bengaluru, Karnataka 560102, India. We at Muse believe that transparency and honesty are key to any healthy and productive relationship. We appreciate that you are trusting us with information that is important to you, and we want to be transparent about how we use it. Muse is committed to respecting your privacy and to comply with applicable data protection and privacy laws. This privacy policy (“Policy”) explains how we process your Personal data when you use our Products and Services.
We will collect and process personal information you give us by filling in forms on the app, or by corresponding with us via email, app or post. This includes information you provide when you subscribe to any of our services, enter a competition or respond to a promotion or survey. If you contact us, we will keep a record of that correspondence. By entering your details in the fields requested, you enable us and our service providers to provide you with the services you select. Whenever you provide such personal information, we will treat that information in accordance with this policy. When using your personal information we will act in accordance with current legislation and aim to meet current Internet best practice
By downloading and using this app you agree to be bound by the terms and conditions of this Privacy Policy. As this policy enables us to provide you a secure and wholesome experience, we will not be able to register you, if you are not in agreement with these terms. By mere use of the app, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms of Use.
Information We Collect
When you use our app, we collect and store your personal information which is provided by you from time to time. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our Website to make your experience safer and easier. More importantly, while doing so we collect personal information from you that we consider necessary for achieving this purpose. 

It is mandatory to register yourself in order to use the app. And once you give us your personal information, you are not anonymous to us. Where possible, we indicate which fields are required and which fields are optional. We may automatically track certain information about you based upon your behavior on our app. We use this information to do internal research on our users' demographics, interests, and behavior to better understand, protect and serve our users. This information is compiled and analyzed on an aggregated basis.
We collect personally identifiable information but not limited to such as email address, name, phone number, address, gender, age and other registration details from you when you register with us. We do use your contact information to send you offers based on your transaction history and your interests. We also collect copies of identification documents (Ex: passport, driving license, utility bill, etc..) for KYC verification and PEP checks.
If you choose to post messages on our message boards, chat rooms or other message areas or leave feedback, we will collect that information you provide to us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law. If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities on the app, we may collect such information into a file specific to you.
We collect and process only the personal information required to allow us to effectively provide our products and services to you, and inform you of offers and promotions that may be of value to you.
Use of Information
We use personal information to provide the services you request. We use your personal information to market to you, we will provide you the ability to opt-out of such uses. We use your personal information to provide the use of our products and services, to protect against fraud and to comply with the relevant laws, to process payments, to keep our records up to date, to resolve disputes; troubleshoot problems; help promote a safe service; collect money; measure consumer interest in our products and services, inform you about online and offline offers, products, services, and updates; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection. 
Sharing of Information
To provide you with our services, we share your information with our trusted external partners and affiliates. We may use personally identifiable information (email address, name, phone number, credit card/debit card / other payment instrument details, etc.) provided by you to our corporate entities and affiliates in the course of making transactions
We may also disclose anonymized data derived from your personal information to third parties. This disclosure may be required for us to provide you access to our Services, to comply with our legal obligations, to enforce our User Agreement, to facilitate our marketing and advertising activities, or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our Services. We do not disclose your personal information to third parties for their marketing and advertising purposes without your explicit consent.
We may disclose personal information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal processes. We may disclose personal information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce our Terms or Privacy Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the public.
How we apply our Policy
We will ensure our systems are secure to protect your personal information from misuse and follow appropriate physical, electronic and managerial procedures to safeguard your data. Whenever you change or access your account information, we offer the use of a secure server.
We will respect your privacy in the way we contact you, whether by app, email, post, text message or phone based on your consent and preference. We will not hold your personal information for longer than is necessary to effectively provide you with our services and comply with legislation. We will not sell, trade or rent your personal information to other people or businesses unless we have your consent. With your consent, we will only share your information with carefully chosen, reputable and trustworthy third parties.
We will comply promptly with any instructions from you to update your information or requests from you to see the information that we hold on you. We will comply with lawful requests to disclose personal information to certain authorities.
Access to your information
You have a right to know what personal data we hold about you. You have a right to have incomplete, incorrect, unnecessary or outdated personal data deleted or updated. You have a right to unsubscribe from direct marketing messages and to request that we stop processing your personal data for direct marketing purposes or on other compelling legal grounds. However, if you opt-out from marketing and other communications, critical alerts may still be sent to you.

You may exercise your rights by contacting us or by managing your account and choices through available profile management tools on your device and our services. In some cases, especially if you wish us to delete or stop processing your personal data, this may also mean that we may not be able to continue to provide the services to you.
We appreciate the importance of taking additional measures to protect children’s privacy. Persons under the age of 18, or the equivalent minimum age in the relevant jurisdiction, are not permitted to create accounts unless their parent has consented in accordance with applicable law. If we learn that we have collected the personal information of a child under the relevant minimum age without parental consent, we will take steps to delete the information as soon as possible
Your Consent
By using the app and/ or by providing your information, you consent to the collection and use of the information you disclose on the app in accordance with this Privacy Policy, including but not limited to Your consent for sharing your information as per this privacy policy. 
Changes to this Policy
Our privacy policy is subject to change at any time without notice. Though every effort would be made to keep you informed of the changes, if any, to the policy, you are kindly advised to review the policy periodically.If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.
Further Questions ?
If you have any questions about this policy, or about the use of your information, please contact us at