Terms & Condition and Privacy Policy

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INTRODUCTION

This statement outlines your rights to your personal information and contains general principles that apply to the handling of your personal information when you use any of Fast Forward Technologies Private Limited’s electronic money products or services, website, and mobile application.

Fast Forward Technologies Private Limited’s Commitment to Your Privacy

We believe that all of our customers should be able to trust Fast Forward Technologies Private Limited with their personal and financial information which is why we apply the following key privacy

  • We will process your personal information in accordance with this privacy statement and all applicable laws.
  • We will do our best to be transparent on how we handle your personal information.
  • We will only process your personal information for legitimate purposes, and only for as long as it is necessary to achieve those purposes. We will dispose of your personal information safely and securely once it is no longer required.
  • We will enable you to exercise choice and control over our processing of your personal information, not only when we are required to do so by the applicable law, but also in other circumstances where we think it is the right thing to do.
  • We will inform you about your privacy rights, respect them and help you to exercise those rights.
  • We will make sure that your personal information is safe through appropriate security measures.
  • We will take steps to ensure that your personal information is adequately protected.
  • We build privacy and data protection into our products and services by design and by default. This means that we prioritize the privacy of your data, and we will endeavor to build privacy safeguards in everything we develop.

What data do we collect?

The data we collect and the way we record and store your personal information vary depending on why we collect your information, which in turn depends on which one of our products and services you are using.
Generally, we collect and use your personal information where:

  • We must obtain certain information to fulfil our requirements under Pakistan’s Anti-money laundering and counter terrorist legislation;
  • The information is necessary for us to provide the financial services you receive from us;
  • The information is needed for us to better improve our service and your user experience;
  • The information is needed for us to help protect your security;

Information that is necessary for us to allow you access to our services and products

There is certain personal information that is necessary for us to perform services you use. These include:

  • Your name, phone number, email address, home address, date of birth, and other information provided when you download our mobile application.
  • Payment related information, such as credit or debit card information or other banking and payment information;

Typically, we collect this information:

  • When you sign up, buy, or use our products or services;
  • When you subscribe to our newsletters or promotions about our products or services;
  • When you contact us for information, question or feedback about our product, service or website.

We generally use this information to perform the relevant service or provide the relevant product;

  • manage your account;
  • Carry out credit checks;
  • request payments; and
  • communicate with you.

Other information that is needed for us to provide and improve our services

During the course of your using our products, services, or websites, we may also collect other information from you.
Some examples of such information include:

  • Information about your e-wallet account and our communications with you, such as any customer support requests that you make or any feedback that you provide, dates of payments, and date of invoices;
  • Product usage data, such as your last active use of an application, the duration you spent on an application and how much you spent on a product;
  • Network data, including mobile calls and sms data, such as the date and time of the calls and texts you send or receive, and the duration of calls received and made through our network;
  • Your geolocation data, when:
  • you use our telecommunications services, such as call, sms or broadband services;
  • You choose to use our location-based service. For example, when you enable direction applications on your mobile phone; and
  • you signed up to a certain location based promotional activities.
  • Your browsing data, when you visit one of our websites and/or use some of our services. Information that we collect may include:
  • information relating to your device, such as IP address, device model and settings;
  • network information;
  • details and logs of when, where and how you used the service;
  • browser information such as type and version and browser plug-in; and
  • information about your visit, including the websites that directed you to us, the pages on our website that you visited, services and products that you viewed or searched for, length of visit, our interaction with you, and the next websites you visit after our website.

Typically, we use the information above and any other information necessary to:

  • improve customer experience, such as for troubleshooting, network management and network optimization purposes;
  • use the recorded communications information for training quality assurance, feedback or for records purposes;
  • find ways in which we can better improve our service, such as using personal and/or aggregated statistics or de-identified information about sales, services, customers, network traffic and location patterns to conduct research to help improve our understanding of your behaviors;
  • conduct research that create value for the community
  • Create customer profiles about you to offer you personalized content, provide a more relevant user experience or products and services, and to ensure that we will not be recommending you products and services that you may not be interested in. We may also use this information to find out whether you enjoy receiving our personalized services;
  • analyze use of our network and services to identify general trends and partner with third parties to develop new services for you;
  • send you marketing communications about products and services based on your preferences and interests; and/or
  • share your information within our affiliate companies, for processing, advertising, service development, cross product marketing and sales, product and service creation, measurement, analytics and research purposes.

Information needed for us to protect your security

We use the information we have to keep our services and communities safe and secure:

  • we may investigate or take action regarding suspicious and illegal activities that violate our Terms of Services, or the applicable law; and/or
  • share your information, in accordance with applicable law/regulations and/or court orders, with the relevant authorities, for example, to protect you or someone else from harm or damage.

Information you consented to provide to us

We may also collect and process information about you when you consent to us collecting and processing this information.

Information that we collect from other sources

We sometimes collect personal information about you from third parties. Examples of the type of information that we collect are:

  • Your credit information, to help us with customer authentication and credit-related decisions;
  • If you consented, other information, such as demographic information, to better understand you and your interests and to offer you personalized services. Examples of third parties that we collect the information from include payment and delivery services, advertising networks, analytics providers, search information providers; and
  • Social media information, such as your interests, “Likes” and friends list, when you use your social media credentials to interact with the Fast Forward Technologies Private Limited (FORAN AAP) mobile application, our webpage or offer.

You can object to any of the processing above by, unless the information was required for us to perform the services.

How we share your information and other responsible entities

We may share your personal information with an affiliate company or third parties for the purposes listed above. Sometimes, the third party with which we share your personal information with may determine the purposes for which and the means by which your personal information is processed, and therefore we shall ensure that the said third party follows the same privacy practices towards your information in accordance with our key privacy principles, this privacy statement and applicable law.

More detailed examples of the third parties we may share your information with include:

  • Any of Fast Forward Technologies Private Limited’s affiliate companies (including our parent Group);
  • Data processors to process your information on our behalf;
  • Third party services whom you have asked us to integrate with, such as social networks
  • Third /parties who conduct research, analytics or marketing in conjunction with us or on our behalf;
  • Relevant third parties whom you consented, or that you requested that we share the information with;
  • Prospective business partners, following your consent, if we decide to sell, buy, merge or otherwise re-organize our business;
  • Following your consent, third parties that conduct advertising, measurement and analytics;
  • Law enforcement agencies, where we are required to provide our cooperation for law enforcement purposes; and
  • Third party service providers such as debt collection agencies and credit check agencies.

How we protect your personal information

We ensure that your personal information is safe and secure through the following measures:

  • When you log into your account to use our services with your phone number or username and password, all of the data is encrypted using cryptographic protocols such as Transport Layer Security (TLS) and Secure Socket Layer (SSL) encryption. We employ such cryptographic protocols on all pages on our websites where we collect personal information. To make purchases from these web pages, you must use a TLS or SSL-enabled browser such as Internet Explorer, Safari, Firefox, or Chrome. This ensures that your personal information remains confidential and is protected white it is transmitted over the Internet;
  • If your account has been inactive for some time, we automatically log you out to keep your details secure;
  • When we use service providers or other data processors to process your personal information on our behalf, we ensure that the relevant providers and processors will implement appropriate technical and organizational measures to protect the information. Such controls include access control to the information and the infrastructure that stores the information, contractual arrangement that requires the third parties to comply with all relevant laws, We apply privacy and data protection by design and by default, and build privacy and data protection into the foundation of our products and services.

How long we keep your personal information for

We will only process your personal information for legitimate purposes, and only for as long as it is necessary to achieve those purposes. We will dispose of your personal information safely and securely once it is no longer required subject to applicable laws for retention of data. For example, the State Bank of Pakistan requires that we maintain customer records for 10 years.

Your rights

It is important to us that you understand your privacy rights. Therefore, we have listed out below a non-exclusive list of privacy rights that you could exercise whilst entrusting us with your information:

  • Right to withdraw consent: Where you have consented for us to use, process, or share your personal information, you can withdraw that consent any time, unless the information is required for us to perform our services.
  • Right to access your information: You can access and request a copy of the personal information that we hold about you any time by contacting us or access the information directly through your e-wallet account.
  • Right to erasure: You can request that we erase some of the personal information we hold about you, provided that certain circumstances apply:
    • o The information is no longer needed by us and there is no legal requirement on us to retain the information;
    • o Other legal grounds which permit you to do so.
    • o We will do our best in accommodating the request, but please bear in mind that this may result in you being ineligible to receive certain services.

Revision of this privacy statement

We commit to reviewing this statement at least once annually, and on an ongoing as needed basis. If there are substantial changes to the statement, we will inform you through ways in which we think fit, which may include a prominent announcement on our homepage, emails, SMS or message to your registered device.

We will consider factors such as materiality of the change, the services affected by the change, and the reach when we choose a method of notification. Fast Forward Technologies Private Limited is responsible for the handling of your personal information, and the legal frameworks in which we operate include:

  • Pakistan Telecommunication (Re-organisation) Act, 1996
  • Prevention of Electronic Crimes Act, 2016
  • Investigation for Fair Trial Act, 2013
  • Telecommunication Consumer Protection Regulations, 2016
  • Protection from SPAM, Unsolicited fraudulent and obnoxious communication Regulations 2009

Terms And Conditions

These terms are legally binding

Fast Forward Technologies Private Limited (Fast Forward Technologies Private Limited/us/we) and you agree to these Terms and Conditions (the ‘Terms’) when using the Fast Forward Technologies Private Limited app and website. These Terms form a legally binding agreement between you and us. Please take the time to read them carefully.
You should read this document along with our Privacy Policy.

Under 18s

if you are between 13-17 years old, you may only use Fast Forward Technologies Private Limited with the consent of your parent or legal guardian. Please be sure your parent or legal guardian has reviewed these Terms.

How to contact us

  • You can contact us through the live-chat feature in your Fast Forward Technologies Private Limited app
  • Email us at help Fast Forward Technologies Private Limited.com.pk
  • Send a letter to: Building no: 19/E/II, 2nd Zamzama Commercial Lane, Phase 5, DHA, Karachi.

How will we contact you:

We’ll contact you in English, Urdu and Emoji via the Fast Forward Technologies Private Limited app, or through your email, phone or home address. Please let us know if any of these change!

We also send you instant notifications when you spend or receive money.

Making payments

you need enough money in your account to make payments. We may block or reverse any transaction, even after funds have been credited to your account. Some of the reasons we may do so can include:

  • your instructions are unclear
  • we suspect fraud or criminal activity on your account
  • we’re not allowed to make the transfer by law
  • in compliance with a court order, or other government or regulatory order
  • It goes over your payment limits (you’ll find these in your app; they may change over time).

If we block or reverse a payment, we’ll let you know as soon as possible, using one of our usual channel.

You can find information on all your transactions in your feed.

You agree to us using your information

by accepting these terms, you agree to us using your information to make and receive payments on your account. By using Fast Forward Technologies Private Limited, you also consent for us to process and store your personal information in data centers outside of Pakistan (your personal data will always be protected by encryption and/or anonymization). If you’re no longer happy for us to use or store your information, we’ll have to close your account. But we may keep your personal data and use it where we have lawful reasons to do so (see our Privacy Policy).

Charges outside our control

you may have to pay other costs, taxes or charges in relation to your Fast Forward Technologies Private Limited account, which are outside of our control and not charged by us. For example, other banks may charge you for sending money to your Fast Forward Technologies Private Limited account. When we offer rewards

sometimes we’ll offer rewards for things like inviting friends to join Fast Forward Technologies Private Limited. We can withdraw or change these offers any time, without letting you know in advance. You’ll only get financial awards once per action (for example you’ll only get a bonus for once per friend you invite). You might have to pay income tax on money you get as part of these rewards. Contact the Federal Bureau of Revenue if you’re unsure.

If something goes wrong

Please keep your phone and PIN safe at all times. If we discover any security issues affecting your account, we’ll contact you as soon as possible in the most secure way, using one of our usual channels (see ‘How will we contact you’ above).

We’ll usually refund you any money if:

  • it was taken after you froze your card in the app, unless you acted fraudulently or were negligent
  • any money you lost due to our mistakes or inaccuracies

But you won’t be able to claim back money you’ve lost if:

  • you gave us incorrect instructions or we can prove that the bank we sent your payment to received it (although we’ll still try to help you recover your money)
  • you purposefully didn’t keep your phone or PIN safe, or you were negligent in not keeping them safe or if your account is in overdraft, or you gave them to someone else
  • you acted fraudulently

If someone pays money into your account by mistake you give us permission to return it.

Closing your account

you can close your account at any time. If you’d like to, please get in touch with us. You’ll need to repay any money you owe us before we can close your account. Once we’ve closed it, your card won’t work and you won’t be able to access your account.

We can also suspend or close your account. Usually, we will do so by giving you at least one months’ notice. However, we may close your account or stop you from using your card and app immediately if we believe you have:

  • broken the terms of this agreement
  • broken the law or attempted to break the law
  • put us in a position where we might break the law
  • given us false information at any time
  • used your Fast Forward Technologies Private Limited account to pay for any illegal activities or abuse, exploit or get around any usage restrictions set by a service provider your Fast Forward Technologies Private Limited account is registered with
  • been abusive to anyone at Fast Forward Technologies Private Limited or a member of our community
  • misused or abused any of our services in any manner whatsoever including the app and website
  • Moreover, monitoring suspicious transactions is essential to our function. You must comply with any request to provide additional information concerning any transaction that you have carried out, within a reasonable time frame. Failure to do so may result in suspension or closure of your account.

If we exercise our rights to limit or refuse your access to our services, we will not be responsible for any consequences of our refusal, including any delay, damage or inconvenience you may suffer as a result.

How to make a complaint

If you have a complaint, please contact us and we’ll do our best to fix the problem (see ‘How to contact us’ above).

If you’re still not happy, you can refer your complaint to the Consumer Protection Department. For more details, you can visit their website at http://www.sbp.org.pk/cpd/CPD.asp

Making changes to this agreement

this agreement will always be available in the app and on our website. We can make changes to it from time to time.

If we make changes to it that are clearly in your favor, we’ll tell you once we’ve made them. Otherwise, we’ll give you notice in the most secure way, using one of our usual channels (see ‘How will we contact you’ above).

If you don’t agree to the changes we make, you can let us know and we’ll close your account. We’ll transfer any money in your account to another account of your choice. If you owe us any money, you’ll need to pay it back. If we don’t hear from you, we’ll assume that you’re happy with the changes we made.

The laws of Pakistan apply to this agreement and any disputes will be settled by the courts of Pakistan.