🔒 Privacy Policy
Your privacy is important to us. This policy explains how we collect, use, and protect your information.
📑 Table of Contents
1. Information We Collect
1.1 Personal Information
When you use PTE Cashback App, we collect the following personal information:
- Contact Information: Phone number, email address
- Identity Information: Full name (given name and surname), date of birth, gender
- Location Information: Country, address, place of birth, country of birth
- Identity Documents: Passport details (when uploaded for exam booking)
- Account Credentials: Password (stored in encrypted form)
1.2 PTE Account Information
To book exams on your behalf, we may collect:
- PTE User ID
- PTE Account Password (encrypted and used solely for booking purposes)
1.3 Payment Information
For processing payments and cashback:
- Bank account details (account number, BSB/routing number)
- Mobile payment details (bKash, Nagad, Rocket numbers)
- PayID information
- Payment receipts and transaction IDs
Note: We do not store your credit/debit card details. All card payments are processed securely through Stripe and PayPal.
1.4 Booking Information
- Exam type and preferences
- Exam dates and times
- Exam center selections
- Booking history and status
1.5 Automatically Collected Information
- IP address
- Browser type and version
- Device information
- Access times and dates
- Pages viewed and actions taken
2. How We Use Your Information
2.1 Primary Uses
- Exam Booking: To book PTE exams on your behalf with Pearson
- Account Management: To create and manage your user account
- Payment Processing: To process payments and issue refunds
- Cashback & Referrals: To calculate and distribute cashback rewards and referral bonuses
- Communication: To send booking confirmations, updates, and support messages via SMS and email
2.2 Secondary Uses
- Service Improvement: To analyze usage patterns and improve our platform
- Security: To detect and prevent fraud, unauthorized access, and abuse
- Legal Compliance: To comply with applicable laws and regulations
- Customer Support: To respond to your inquiries and provide assistance
2.3 Marketing Communications
With your consent, we may send:
- Promotional offers and discounts
- New feature announcements
- Newsletter updates
You can opt-out of marketing communications at any time by contacting us.
3. Information Sharing
3.1 We Share Information With:
3.2 We Do NOT:
- ❌ Sell your personal information to third parties
- ❌ Share your data for advertising purposes without consent
- ❌ Provide your PTE credentials to unauthorized parties
- ❌ Share your payment details beyond what's necessary for transactions
3.3 Legal Disclosure
We may disclose your information if required by law, court order, or government request, or to protect our rights and safety.
4. Data Security
We implement industry-standard security measures to protect your data:
Encryption
All data transmitted is encrypted using SSL/TLS. Passwords are hashed using bcrypt.
Access Control
Strict access controls limit who can view your data within our organization.
Monitoring
We monitor our systems for security threats and unauthorized access attempts.
Backups
Regular encrypted backups ensure data recovery in case of system failures.
PCI Compliance
Payment processing partners are PCI-DSS compliant for secure card transactions.
2FA Available
OTP verification adds an extra layer of security to your account.
Your Responsibility: Keep your password secure and never share your login credentials. We will never ask for your password via email or phone.
6. Your Rights
Depending on your location, you may have the following rights:
Right to Access
Request a copy of the personal data we hold about you.
Right to Rectification
Request correction of inaccurate or incomplete data.
Right to Erasure
Request deletion of your data (subject to legal requirements).
Right to Restrict
Request limitation of processing in certain circumstances.
Right to Portability
Receive your data in a structured, machine-readable format.
Right to Object
Object to processing for direct marketing purposes.
To exercise any of these rights, please contact us using the information provided below.
7. Data Retention
We retain your data for the following periods:
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | Until account deletion + 30 days | Account recovery period |
| Booking Records | 7 years | Financial and legal compliance |
| Payment Records | 7 years | Tax and audit requirements |
| PTE Credentials | Until booking completion | Only needed for booking process |
| Communication Logs | 2 years | Customer support reference |
| Analytics Data | 2 years | Service improvement |
8. Children's Privacy
PTE Cashback App is not intended for children under the age of 16. We do not knowingly collect personal information from children under 16.
If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We will take steps to delete such information.
If you are between 16-18 years old, we recommend having a parent or guardian review this policy and assist with your account registration.
9. International Data Transfers
We operate primarily in Australia and Bangladesh. Your data may be transferred to and processed in:
- 🇦🇺 Australia - Primary operations
- 🇧🇩 Bangladesh - Regional operations
- 🇺🇸 United States - Cloud services (AWS, Firebase)
We ensure that any international data transfers comply with applicable data protection laws and that appropriate safeguards are in place.
9.1 Safeguards
- Standard contractual clauses with service providers
- Privacy Shield certified partners (where applicable)
- Encryption of data in transit and at rest
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we make changes:
- We will update the "Last Updated" date at the top of this page
- For significant changes, we will notify you via email or platform notification
- Continued use of our services after changes constitutes acceptance
We encourage you to review this policy periodically to stay informed about how we protect your information.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
📬 We aim to respond to all privacy-related inquiries within 48 hours.