Privacy Policy

Loylty Rewardz Mgmt Pvt Ltd (hereafter ‘Company’) is committed to protecting your right to privacy and to safeguard your personal data. For the purposes of this document, the ‘service’ or ‘platform’ shall imply the mobile application ‘Oriental Bank Rewardz’ or the website ‘’, used interchangeably unless specified otherwise. The use of ‘partners’ in this document will imply our network of merchants across the country that provide you with offers and accelerated points earnings. This privacy policy details out the information you give us, information that we collect when you use our service, and what we do with that information.

This privacy policy will not apply to third parties such as our merchandise providers, our flight/hotel booking engines, our movie ticketing partners, recharge service providers, or other vendors that we may contract with for the functioning of the service. The service is not responsible for their privacy policy and we request you to carefully peruse through this privacy policy. If you disagree with the contents of this document, you may choose to not use our services. This policy will have regular updates and we encourage you to go through it periodically. Your continued use of our service is an acceptance of this privacy policy.

The Service:

The service allows a user to view points earned through Oriental Bank of Commerce enterprise wide loyalty program, for the benefit of redemptions such as mobile recharges, DTH recharges, merchandise, movie and flight bookings et al. The redemption options available to a user may change over time. The service requires you to register with us and use our platform for the redemption options mentioned above. You will also be able to accelerate your points earnings with these programs, by transacting at our merchant partners.

Information that you give us:

Use of your personally identifiable information (PII): During the registration process, you will be required to provide us with your Card Number or your Customer Information File number (CIF), also known as Customer ID, to validate your account. During the registration process, a user will setup a User ID and password. This data is stored securely in our servers, is used expressly for your use of the service, to send you transactional communications such as receipts, and occasionally, to send you marketing communications for some of our top offerings from our network of offline and online partners, including but not limited to merchants.

During the redemption process, you may be required to provide further details as the following:

  • Mobile recharge (phone number)
  • DTH Recharge (Your DTH subscription number)
  • Flight Bookings (Passport number, Birthdate)
  • Merchandise (Shipping address)

You may also transact on our service using a combination of points and your Oriental Bank of Commerce Debit card. We do not store your card data on any of our servers. Your points balance and other details are stored securely in a PCI DSS compliant environment.

This information you give us during your use of the service is updated as of the time of publishing of this policy. However, to improve your user experience and to provide a better service, we may add new features or redemption options that may require other data, which will be updated in this document.

Information that you may give us while specifically using the mobile app:

We will request you to provide us permissions to improve user experience on the app as detailed below:

  • Location Access (This is to allow you to select movie theatres near your location)
  • Internet & Access network state (This is to check your internet connectivity so as to improve your in app experience)
  • Storage (We use your phone storage to store your profile details such as Name, Email Address, Phone number and profile picture)
  • SMS (We read your SMS and auto- populate One Time password received on your mobile number during signup. We do not read existing messages)
  • Vibrate (We ask you for vibrate permissions so as to allow you to receive notification alerts via vibration when in vibration mode on your device)
  • Read your Contacts (This gives you ability to pick a number from contacts for a quick recharge)

Information we collect as you use our service:

To improve your user experience, it is imperative that we collect some other data as mentioned below:

Analytical Data:
To monitor the performance of our user interface ‘UI’, we track your usage of the service and collect various data points inter alia Device Information (UUID, Phone manufacturer, OS version, mobile network and strength, browser information et al.), Location Information (Latitude, Longitude, City, Country et al.).

We may also use ‘cookies’ or ‘pixels’ to identify your device information and attribution sources, to improve our marketing efforts to get you the best deals from our partners.

Log Data:
To monitor the performance of our service and to prevent fraudulent activities, we will store your data (including personal information in SHA1/SHA2/AES encrypted format) on our internal servers for improvement of our services.

Log data collection does not involve storing your financial details such as card data.

How we use the data that you give us or data that we collect while you use our service:

All the data we collect during your use of the service, is purely used for improving the performance of our service, improving your user experience of our service, or to provide you the best marketing offers from our network of partners. Under no circumstances do we share or sell your data to any third party, partner or otherwise. In case of any marketing communication received from our partner, the communication is sent through our secure platform. Any third party tools that we utilize are chosen only after a thorough selection process.

Using Analytical Data:

We use various tools for analyzing your usage data on our service. Some of these are internal proprietary tools, but may also include inter alia industry standard services such as Google Analytics, Clevertap and others.

In case of tools such as Clevertap, we may pass your PII (Personally Identifiable Information) and Analytical Data to their servers. Clevertap is a GDPR-compliant service an, andd you may refer to their privacy policy separately. We use Clevertap to create user funnels to improve your user experience, and to send you personalized notifications.

Using Crash Data:

We use industry standard tools such as Crashlytics by Fabric to monitor crash data. We may also pass Analytical and PII data to them to understand forced and unforced crash behavior, ANRs (Application not responding), and various other errors, to improve our service.

Using PII for transactional purposes:

Your PII will be passed to third party providers of SMS and Email Services, and will be used for transactional purposes of sending you SMS and Email receipts of your redemptions on our service.

Using PII for non-transactional purposes:

Your PII will be passed to third party providers of SMS and Email Services, and will be used to alert you of our new features, new redemption options, and to communicate relevant partner offers.

Opt out of non-transactional communications:

– You may choose to unsubscribe out of our email communications by clicking on the unsubscribe link in the email received.

Using Log Data:

Like any organization, we use your log data to improve our application performance. For monitoring of our logs, we use both open source and proprietary logging tools. All of your log data is stored internally on our secure servers with a limited access mechanism, on a need to know basis. These tools help us in understanding application errors, downtime, failure rates et al.

Changes to this Privacy Policy:

We reserve the right to change parts of our privacy policy as our usage of your data changes, or if the law regarding usage of your information changes. The changes may not be communicated to you over your standard communication preferences. You are requested to visit this page periodically to ascertain any changes. Your continued usage of the service post any changes is construed as consent and acceptance of the changes.

Contact Us:

If you have queries or concerns regarding this privacy policy, you may reach out directly to our privacy spoc on the following details:

Email: [email protected]

Mailing Address:
Loylty Rewardz Mgmt Pvt Ltd., Chhibber House, 2nd Floor, Sakinaka Junction, Andheri-Kurla Road, Andheri (East), Mumbai – 400072, India.