This Privacy Policy sets forth the strategies for how Antares Marketing (Pvt) Limited uses, gathers, and disseminates Personal Information via its platforms, apps, websites, and software. Please read this Policy carefully before using our services or giving us any personal information. For operational and service development reasons, we firmly adhere to a minimum data collecting policy. To ensure that third parties maintain privacy, we only share personal information with them when it's essential to deliver our services or as authorized by law. Although we use industry-standard security procedures to protect Personal Information, complete security cannot be ensured. You can contact us with any privacy-related questions and have the right to view, update, correct, or delete your personal information. This Privacy Policy may be updated at any time by Antares Marketing .
Antares Marketing uses your personal information to provide the relevant information to our service providers and provide you with the best possible services. We also require camera usage and access device storage with your permission if you want to upload documents and images as per the requirements of completing the Antares Marketing business self-sign-up and onboarding process. We also require access to device storage to bulk upload your order and customer details.
The relevant personal data we collect when you visit our site or use our app and services are, not limited to but include the following:
When you are registering to use our App and services by establishing an Account with Antares Marketing , we will collect Personal Data provided as necessary to offer and fulfil the Services you have requested. Depending on the Services you choose, we may require you to provide us with your name, address, mobile number, email address and identification information to establish an Account. We may require you to provide us with additional Personal Data depending on the services selected.
When you use our App and Services or access our Sites, for example, to receive money, to process & make payments, we collect information on the transaction, as well as other indirect information associated with the transaction such as amount or requested, amount received for products or services, merchant information, product information, including information about any funding instruments used to complete the transaction, Device Information, Technical Usage Data, and Geolocation Information may also be included.
When you use our App & Services or access our portal, we collect Personal Data you provide us about the other personnel associated with the transactions as following:
When you send bills or upload your bills, we collect Personal Data such as name, address, telephone number, and financial account information about the participant who is receiving bills from you or sending money to you. The extent of Personal Data required about a participant may vary depending on the Services you are using to send or request money and the requirements of our service providers.
If you use our services to send and request a customer to pay a bill, we collect Personal Data from you about the account holder such as name, postal address, mobile number, email address, and other relevant details of the bill that you intend to request to be paid.
We obtain information from third-party sources such as Government data, data providers, and credit bureaus, where permitted by law.
If you use our Services without creating or logging into an account, we’ll still collect some personal data, which may include your payment information, device information, and location to meet transaction processing requirements. When you use our Services without creating or logging into an account, we will use this information to process transactions, prevent fraud and comply with the law. We may connect this information with your account if you have one or if you create an account later.
We require access to your gallery, camera, and files to make sure that your required documents for onboarding are uploaded using each available method for your convenience. Camera access permission also allows us to ask you for photographs to verify that it is you who is making the account as well as easily scan the documents in case you have physical copy of a document only. Files access is required to assure that saved documents can also be uploaded. This allows for quicker onboarding and verification and a more secure business experience.
                      “Personal Information” is information that identifies,
                      relates to, describes, is capable of being associated
                      with, or could reasonably be linked, directly or
                      indirectly, with you or your household, such as your name,
                      email address, IP address, mobile number, and broader
                      categories of information such as your professional,
                      educational or health information, commercial information,
                      and internet activity. 
                      During our business and in providing our Services to you,
                      we may collect Personal Information directly from you and
                      automatically through our use of cookies and other data
                      collection . We may also collect your Personal
                      Information from third-party sources, such as our business
                      partners, affiliates, and social media platforms (if you
                      interact with us through your social media account). We
                      will treat Personal Information collected from third-party
                      sources in accordance with this Privacy Policy, but we are
                      not responsible for the accuracy of information provided
                      by third parties or for their policies or practices.
                      
                      The categories of Personal Information we collect from you
                      depend on your interactions with us. For example, we may
                      collect: 
Identifiers and contact information,
                      such as your name, email address, mailing address, phone
                      numbers, government issues IDs (such as CNIC), IP
                      addresses, and unique identifiers such as your usernames
                      and passwords. We collect this information directly from
                      you and from third-party sources for the purpose of
                      creating and managing your Antares Marketing  account
                      (“Account”), for communicating with you, verifying your
                      identity, and providing our Services to you.
                    
We may share your Personal Information in the following circumstances: Publicly, but only with your permission: We may share your Personal Information publicly with your permission. For example, with your permission, we may publicly post your photograph, your name, professional titles, and comments on the “Reviews” section of our websites. To Businesses: We may share your Personal Information with companies that provide services to us, such as for hosting, marketing and communication services, and payment processing (“Service Providers”). When you use our services, we may also share, with your permission, your name and business information with Service Providers to ensure that you receive the best possible service. Our policy is to authorize these Service Providers to use your Personal Information only as necessary to provide services for us and require that they not use or disclose your Personal Information for any other purpose. To third parties outside of Antares Marketing : If you join our Services because of a referral under our referral program, we may share your name and the fact that you joined our Services with the person who referred you. We may share your Personal Information with our affiliate companies for them to provide analytics across the entire business group and for other internal business purposes. From time to time, we may be required to provide Personal Information to a third party to comply with a court summons, court order, government investigation, or similar legal process. We may also share your Personal Information to third parties, such as law enforcement agencies, when we, in good faith, believe that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. To any other third party for whom you have given your consent for us to share your Personal Information. In a corporate transaction: If Antares Marketing is involved in a bankruptcy, merger, acquisition, reorganization, or sale of all or a portion of its assets, we may share or transfer your Personal Information as part of any such transaction.
Access And Choice
                      Marketing Opt-out Preferences: You can opt out of
                      receiving marketing emails by using the unsubscribe link
                      contained in the email. We may still send you emails about
                      your relationship with us and your transactions, including
                      Account information and alerts, purchase confirmations,
                      and updates to our products, services, and policies.
                      Account Deletion: Antares Marketing ’ customers may
                      cancel and delete their Accounts at any time. Before
                      cancelling and deleting your account, please export your
                      data using a private internet connection that is password
                      protected. Antares Marketing  is not responsible for any
                      lost or stolen data resulting from a customer’s lack of
                      diligence or failure to follow reasonable security
                      protocols during or after the data export process. Please
                      note, if you do not export your data before deleting your
                      account, there may be no way to retrieve the data.
                      After you have exported your data and stored it in a
                      secure location, you may proceed to cancel and delete your
                      account by getting in touch with Antares Marketing 
                      management and have the account deactivated. You can reach
                      out to the team by email or other relevant methods.
                      For further information, please contact us at
                      info@Antares Marketing.com. Please understand that we
                      will not be able to provide you certain Services if you
                      cancel and delete your account.
                    
                      We use cookies and other tracking  (including
                      from Google, Facebook, and LinkedIn) to keep, and
                      sometimes track, information about you on our Services.
                      Cookies are small data files that are sent to your browser
                      from a web server and stored on your computer’s hard
                      drive. Cookies track where you navigate on the Services
                      and what you view. In doing so, a cookie may enable us to
                      relate your use of the Services to your Personal
                      Information.
                      We use information gathered from these tracking
                       so that we can analyze trends, administer the
                      Services, track users’ movements around the Services, and
                      gather demographic information about our user base. We may
                      combine information we obtain through tracking
                       with other Personal Information that we have
                      collected about you to make our Services, communications,
                      and advertisements more targeted to your interests.
                      Most web browsers can be set to inform you when a cookie
                      has been sent to you and provide you with the opportunity
                      to refuse that cookie. If you reject cookies, you may
                      still use our Services, but your ability to use some areas
                      of our Services will be limited. You may also opt out of
                      targeted advertisements by visiting the Network
                      Advertising Initiative opt out page.
                      Do Not Track: Please note that the Services are not
                      presently configured to respond to DNT or “do not track”
                      signals from web browsers or mobile devices. As such, we
                      do not recognize or respond to Do Not Track requests.
                    
                    We will retain your Personal Information for as long as your
                    Account is active, as needed to provide you Services, and as
                    necessary to comply with our legal obligations, resolve
                    disputes, and enforce our agreements.
                    We follow generally accepted standards to protect the
                    Personal Information submitted to us, both during
                    transmission and once we receive it. For example, when you
                    enter sensitive information (such as your login
                    credentials), we encrypt the transmission of that
                    information using secure socket layer technology (SSL).
                    However, no method of transmission over the Internet, or
                    method of electronic storage, is 100% secure. Therefore, we
                    cannot guarantee its absolute security, but we try to
                    implement solutions which help protect informtaion.
                    Customers who wish to exercise these rights should direct
                    their requests to Antares Marketing  contact center, they
                    have the following rights:
                    The right to know. You have the right to request to know.
                    the specific pieces of Personal Information we have about
                    you.
                    the categories of Personal Information we have collected
                    about you in the last 12 months.
                    the categories of sources from which that Personal
                    Information was collected.
                    the categories of your Personal Information that we sold or
                    disclosed in the last 12 months.
                    the categories of third parties to whom your Personal
                    Information was sold or disclosed in the last 12 months;
                    and
                    the purpose for collecting and selling your Personal
                    Information.
                    The right to delete. You have the right to request that we
                    delete the Personal Information that we have collected or
                    maintained about you. We may deny your request under certain
                    circumstances, such as if we need to comply with our legal
                    obligations or complete a transaction for which your
                    Personal Information was collected. If we deny your request
                    for deletion, we will let you know the reason why.
                    The right to equal service. If you choose to exercise any of
                    these rights, we will not discriminate against you in any
                    way. If you exercise certain rights, understand that you may
                    be unable to use or access certain features of our
                    Services.
                    You may exercise your right to know and your right to
                    deletion twice a year free of charge. To exercise your right
                    to know or your right to deletion, please contact us at
                    info@Antares Marketing.com
                    We will take steps to verify your identity before processing
                    your request to know or request to delete. We will not
                    fulfil your request unless you have provided sufficient
                    informationm for us to verify you are the individual about
                    whom we collected Personal Information. If you have an
                    Account with us, we will use our existing Account
                    authentication practices to verify your identity. If you do
                    not have an Account with us, we may request additional
                    information about you to verify your identity. We will only
                    use the Personal Information provided in the verification
                    process to verify your identity or authority to make a
                    request and to track and document request responses unless
                    you initially provided the information for another
                    purpose.
                    You may use an authorized agent to submit a request to know
                    or a request to delete. When we verify your agent’s request,
                    we may verify both your and your agent’s identity and
                    request a signed document from you that authorizes your
                    agent to make the request on your behalf or communicate the
                    above to the Antares Marketing  management via email
                    confirming the deletion. To protect your Personal
                    Information, we reserve the right to deny a request from an
                    agent that does not submit proof that they have been
                    authorized by you to act on their behalf.
                  
                    We are committed to complying with this Privacy Policy and
                    the data protection laws that apply to our collection and
                    use of your Personal Information in your location. We are in
                    Pakistan, where the laws may be different and, in some
                    cases, less protective than the laws of other countries. By
                    providing us with your Personal Information and using the
                    Services, you acknowledge that your Personal Information
                    will be transferred to and processed in Pakistan and other
                    countries where we and our customers may operate.
                    Social Media Widgets: Our Services may include social media
                    features, such as the Facebook Like button, and widgets,
                    such as the “Share this” button, or interactive mini
                    programs that run on our websites (collectively referred to
                    as “Features”). These Features may collect your IP address,
                    which page you are visiting, and may set a cookie to enable
                    the Feature to function properly. The Features are either
                    hosted by a third party or hosted directly on our Services.
                    Your interactions with these Features on a third-party site
                    are governed by the privacy policy of the company providing
                    it.
                    Links to Other Sites: The Services may contain links to
                    other sites that are not owned or controlled by Antares Marketing
                    . Please be aware that we are not responsible
                    for the privacy practices of such other sites. We encourage
                    you to be aware when you leave our site and to read the
                    privacy statements of each website that collects Personal
                    Information. This Privacy Policy applies only to information
                    collected by our Services.
                  
                    We ask for the following permissions to ensure the best
                    possible user experience.
                    We may collect additional information from or about you when
                    you communicate with us, contact our customer support teams,
                    or respond to a survey. This includes information provided
                    at the time of registration, your preferences and use of
                    third-party apps/services.
                  
| Permission | Use | 
|---|---|
| Access to Files in Storage | To Upload documents from user’s phone storage | 
| Access to Camera | To allow users to scan documents and upload their profile picture using their camera | 
| Access SMS | To copy OTP code from user’s SMS | 
| Access to Calendar | To Enable reminders for important payment due dates | 
| Dialer Access | To direct user to directly “contact support” | 
| Access Contacts | To enable user contacts to be listed in p2p chat | 
| Read Phone State | To ensure users data security | 
                    Our Services are not directed to, and we do not knowingly
                    collect any Personal Information from children under 13
                    unless required for the requested service. Antares Marketing
                     strictly abides by the guidelines set by the
                    Children’s Online Privacy Protection Act (COPPA) managed by
                    the Federal Trade Commission (FTC).
                    The Services are not intended for use by children and
                    children are prohibited from using the Services. Antares Marketing
                     does not knowingly collect any information from
                    children, nor are the Services directed to children.
                    By accessing, using and/or submitting information to or
                    through the Services, you represent that you are not younger
                    than age 13. If we learn that we have received any
                    information directly from a child under age 13 without
                    his/her parent’s written consent, we will use that
                    information only to respond directly to that child (or
                    his/her parent or legal guardian) to inform the child that
                    he/she cannot use the Services and subsequently we will
                    delete that information.
                    If you are between age thirteen (13) and the age of majority
                    in your place of residence, you may use the Services only
                    with the consent of or under the supervision of your parent
                    or legal guardian. If you are a parent or legal guardian of
                    a minor child, you may, in compliance with the Agreement,
                    use the Services on behalf of such minor child. Any
                    information that you provide us while using the Services on
                    behalf of your minor child will be treated as Personal
                    Information as otherwise provided herein.
                    Changes to This Policy: We may update this Privacy Policy to
                    reflect changes to our information practices. If we make any
                    material changes, we will notify you by email (sent to the
                    email address specified in your Account) or by means of a
                    notice on our websites prior to or upon the change becoming
                    effective. We encourage you to review this page periodically
                    for the latest information on our privacy practices.
                  
                    For help with matters not related to exercising your rights
                    under the privacy laws, please contact us at
                    info@Antares Marketing.com
                    This Privacy Policy describes how Antares Marketing  (Pvt)
                    Limited uses and discloses the Personal Information you
                    provide to us or that we collect when you use our websites,
                    mobile application, software, platforms, and services
                    (“Services”). Before using the Services or otherwise
                    providing Personal Information to us, please review this
                    Privacy Policy.
                    Certain Antares Marketing  Services may use a different
                    privacy policy to provide notice to you about how we use and
                    disclose the Personal Information we collect in the context
                    of that service. To the extent that we post or reference a
                    different privacy policy, that different privacy policy, not
                    this Privacy Policy, will apply to your Personal Information
                    collected in the context of that Service. We do not collect
                    any data relevant to the services provided.