GREF India FAQs - Digital Meal Card (ZETA) Full KYC

2 FAQs on full KYC for the digital meal card (Zeta)

3 Q1. Have we evaluated Amazon pay to replace Zeta meal card?

4 Yes. As confirmed by the Amazon Pay team, with its current capabilities Amazon pay is not ready to replace Zeta meal
5 card. As of now there is no definite timeline, however once Amazon Pay is ready, we will explore transitioning to that
6 platform.

7 Q2. What is the security of data shared by employees for the full KYC?

8 Zeta has completed Amazon Infosec team’s assessment based on which the minimum KYC updates are already being
9 done by Zeta for all Amazon employees. We have had discussions with our Legal, Infosec teams for the full KYC
10 requirement along with Zeta and they have no objections to the following of the KYC process. Zeta has provided them
11 with the required clarifications and Infosec has approved the same in Aug 2018.

12 Zeta systems and processes are audited and certified to be in compliance with PCI DSS v3.2, ISO 27001 and SSAE SOC2.
13 Aadhaar KYC process is audited by CERT empaneled auditors. Furthermore, ZETA does not store or process users’
14 biometric information. Amazon Infosec has cleared the security protocols for both the minimum and full KYC.

15 Q3. Will my Aadhaar number be stored / saved anywhere during the process of KYC update process?

16 As the issuer of prepaid instrument, RBL Bank is required to store the Aadhaar number in a secure Aadhaar Vault. Zeta
17 provides the required Aadhaar vault service to the bank. Zeta itself doesn’t have access to Aadhaar number. Zeta will
18 not access the KYC details of user. They will be obtained and retained by the bank only, for RBI audit and related
19 regulatory purposes. Zeta will not access, store or process user biometric data.

20 Q4. Is Aadhaar biometric the only option for full KYC update if I am eligible to get an Aadhaar?

21 Yes and is applicable for all those eligible for Aadhaar and is the only option. There is a Paper based KYC flow as well
22 but applicable only for users not eligible for Aadhaar or are yet to receive their card as per RBI guidelines. For all
23 Aadhaar eligible users, no paper or other officially valid documents (OVD) based KYC is supported. RBI regulation:
24 https://rbi.org.in/scripts/NotificationUser.aspx?Mode=0&Id=10292; (Refer to Section 15.9 Procedure for obtaining
25 Identification Information).

26 Q5. Why is OTP based Aadhaar authentication not admissible for employees using Zeta as one of the means of
27 updating full KYC ?

28 OTP based KYC of the employee on their own is deemed as a non-face-to-face authentication. Non-face-to-face
29 authentication can only be used during account opening and Amazon users already have an account with Zeta.

30 Please find further clarifications, along with extracts from the most recent RBI Master Direction. OTP authentication
31 may be used only during establishment of an account (Amazon users already have an account).

32 https://rbi.org.in/scripts/NotificationUser.aspx?Mode=0&Id=10292

33 o Ref 15(d)(iv): Where OTP based authentication is performed in ‘non-face to face’ mode for opening
34 new accounts, the limitations as specified in Section 17 shall be applied.
35
36 Hence, an employee must visit Zeta help desk to complete the full KYC.
37
38 At Amazon, we completed minimum KYC for all users from the backend which is applicable till 30 Sep 2018.
39

40 Q6. Why is Zeta collecting Employee photograph (soft copy)?

41 The regulation until July 2018 required regulated entities to collect a recent photograph of the user. To ensure
42 authenticity, the photograph is collected by the agent.

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 GREF India FAQs - Digital Meal Card (ZETA) Full KYC

43 However, in July 2018, RBI published an amendment dropping the mandatory photograph requirement. However,
44 given each regulated entity have their customer due-diligence procedures that could extend the Customer Due
45 Diligence (CDD) requirements published by RBI and the same can be changed only through a board resolution of the
46 regulated entity, the amendment is not yet made or communicated by RBL Bank (the issuer of the prepaid
47 instruments).

48 Q7. What happens to my ZETA credit if I have not opted to enroll for Aadhaar?

49 People eligible for Aadhaar and not applied for the same will not receive any fresh credits to their account. This is as per
50 the RBI Guideline – Refer Para 9.1 (ii) https://rbi.org.in/SCRIPTs/BS_ViewMasDirections.aspx?id=11142#MD

51 Q8. How will new employee digital meal cards be managed?

52 All new employees will be required to do minimum KYC at the time of receiving their digital card. They can complete
53 their full KYC at the location help desk within one year of their card activation. There will be regular help desks at the
54 locations to facilitate the same.

55 Q9. What if I do not wish to share any of my personal data and do not update complete KYC?

56 After one year of opening zeta account, your account will be frozen for further credits for want of full KYC. If you created
57 an account before October 2017, your account will be frozen by 1st October 2018 and will not receive fresh credits.

58 Q10. Will I be able to use the available balance in my Zeta account post Sept 2018 if I do not update my KYC?

59 Yes. You will able to use the balance that was already credited to your account, however you will not be able to receive
60 new credit if the full KYC is not updated.

61 Q11. What happens if I update full KYC anytime later than the initial one year from issue of card?

62 You will be able to receive credits in your account from the following month of your completion of full KYC.

63 Q12. What happens if an employee misses to update his / her full KYC during the help desk duration?

64 Zeta will send their staff at frequent intervals to all sites to cover employees who have missed updating their KYC during
65 the initial help desk duration.

66 In such case the employee will stop receiving credits after completion of 1 year from the date of his account creation
67 with Zeta. The employee can reach out to the Zeta representatives during the next helpdesk schedule. There would be
68 periodic help desks set up at locations and these would be informed through mailers.

69 Q13. What if I am on long leave?

70 In case an employee is on a long leave they can update their KYC as and when they resume work at their location help
71 desk during the next schedule. All pending credits will flow into their Zeta account on successful completion of full KYC
72 update.

73 Q14. Who will man the help desks to update the full KYC?

74 The help desks will be managed by Zeta staff who are trained on KYC update process. Each site will have requisite
75 number of help desks put up for a scheduled period. The sites will intimate employees through mails of the help desk
76 schedule.

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