Privacy Policy

The following Privacy Statement ("Privacy Statement" or "Policy") pertains to (WEBSITE NAME).

As outlined in this policy, (WEBSITE NAME) and (COMPANY NAME) (hereafter "(WEBSITE NAME)", "we", "us", or "our") when you access our online store and marketplace, value-added services, educational platform, and payment aggregation services (collectively, "Services") on or through our various technology tools, including but not limited to our website and mobile application, please be aware of our practises regarding the storage, use, processing, and disclosure of personal data that you have chosen to share with us (collectively "Platform"). (WEBSITE NAME) is committed to protecting your personal information. Please read the following policy carefully to understand our practices regarding your personal data and how we will treat it. We will be processing any personal data we collect from or about you or that you provide to us per this Policy.

This Policy allows us to collect, store, use, and disclose personal data about you through our Services. You consent to us collecting, storing, using, and disclosing your personal data in accordance with our Policy. Our services are subject to this Policy and any other terms in your agreement with us.

THE DATA WE COLLECT ABOUT YOU

Personal data are any pieces of information that can be used to identify an individual. It is not possible to remove identities from data (like anonymized data).

As permitted by law, we may collect, use, store, and transfer various kinds of personal data about you in order to provide you with or in connection with the Services. Personal data can include:

  • Information we collect about you includes your first and last name, username, business title, passwords, purchases and sales you make through our Services, feedback, survey results, etc.;
  • The information you provide may include your email address, telephone number, delivery address, billing address, business address, or social media information.;
  • When you opt to utilise specific Services features, we may gather data related to our underwriting procedures. This could be, for instance, a passport, an Aadhaar card, an election commission identification card, the number on a driver's licence, a permanent account number, a current bank account statement, or any other document issued and recognised as proof of identity and/or proof of address by any governmental body or Authority;
  • Payment and service transaction data, including information about payments to and from you.'
  • Data pertaining to the financial products you have used, bank account details, payment methods, cardholder information, UPI details, VPA details, etc.;
  • Data from devices, including but not limited to:
  • The transmission of financial transaction data via SMS;
  • Your device's location data;
  • The device information includes the hardware model, operating system and version, IMEI, serial number, user profile information, IP addresses, browser types and versions, time zone settings, as well as Wi-Fi and mobile network information;
  • Access to your camera - so you can take photographs of (a) the products you wish to sell; (b) documents that you wish to upload; (c) any other photographs you may be required to upload via the Platform. For example, photographs pertaining to complaints and dispute redressal process, etc.
  • It stores information about your contacts; and
  • Login accounts - a list of accounts you have logged into.

Information relating to marketing and communications, such as your preferences for receiving marketing from us and our third parties as well as your communication preferences. Aggregated data, such as statistical data, financial information, or credit information, is collected, used, and shared for a variety of purposes. While aggregate data may be derived from your personal data, it is not protected by applicable laws as personal data. For instance, we may combine your usage information to determine the proportion of users that utilise a particular Service feature. However, we treat aggregated data as personal data, which will be processed in line with this Policy, if we combine or link it with your personal data to enable us to identify you directly or indirectly.

When we are required by law, an authority, or the terms of our agreement with you to collect personal data, and you fail to submit that data as and when we request it, we may not be able to fulfil our duties under the agreement we have with you or are attempting to enter into with you (for example, to provide you with features of the Services). We might need to revoke or restrict your use of the Services in this situation.

ABOUT YOU – HOW DO WE COLLECT DATA?

Your data is collected and processed in different ways.

  • nformation you provide to us: This refers to the details about you that you voluntarily provide to us while using our services or corresponding with us, including your name, contact information, and marketing and communications data (for example, by email or chat). It includes information you give us when you sign up to use the Services, use a platform feature, share data through other actions frequently taken in connection with the Services, as well as when you report an issue with the Platform or our Services. In the event that you get in touch with us, we'll keep a record of the details you provided.
  • Details you provide to us: Information about you and your device that we gather: We will automatically gather personal data, such as device and usage information, each time you visit our Platform or use our Services. We discovered that you were making use of cookies and other comparable tools.
  • Information obtained from outside sources, such as third parties and freely accessible databases: Following are some of the sources through which we may obtain your personal information:
  • The analytics providers;
  • Networks for advertising;
  • Information providers for search;
  • Data relating to identity and contacts acquired from data brokers, aggregators, or social networks;
  • Publicly available data; and
  • Registries, information bureaus, blacklists, sanctions lists, and other similar lists.

INFORMATION AUTHENTICITY

You affirm that the details and personal data you give us are accurate, truthful, and complete. Any inaccurate or fraudulent information or personal data that you may supply is totally your responsibility. You have the option to review the details and personal data you submitted when using the Services and, where practical, try to amend or modify it. You can write to our Grievance Officer or us at the address listed in Section 12 of this Policy.

THE WAY WE USE AND DISCLOSE THE DATA WE COLLECT?

Your personal information won't be used in any way that is against the law. Your personal information is frequently used by us to offer you with the Services or when we must fulfil a legal or contractual obligation. You recognise that by giving us your personal information, you give us permission to share it with third parties as well. You are conscious of the fact that by using our Services, you give us, our associate partners, and affiliates permission to contact you by phone, email, or other means.

You are aware that we may gather, compile, and share any information about you that you provide to us in any way (including, but not limited to, through the Services or otherwise), including but not limited to personal correspondence like emails, instructions from you, etc., in order to offer the Services to you. We have your permission to act in this way. Consultants, attorneys, auditors, and data analytics providers are a few examples of those that may fall under this category, but they are not restricted to them. With our parent business, subsidiaries, and affiliates, we might also disclose this information.

You understand and accept that we may share data without your permission when forced to do so by law, a court, government authorities (such as the police or regulatory bodies like RBI or SEBI), banks, payment gateways, or programmes (such Visa, Mastercard, NPCI, etc.). These disclosures are given in good faith and with the belief that they are reasonably required to uphold the terms of the Terms, this Policy, and to the extent permitted by law. In general, we will use your personal data in accordance with the following purposes:

  • Registering you as a user;
  • Assist with the maintenance of accounts and prepare statements for delivery of services;
  • Our relationship with you includes communicating any changes to our Services to you;
  • We administer our business and the Services, including troubleshooting, data analytics, and system testing;
  • In order to underwrite, monitor risks, fight frauds, and fight money laundering, and similar purposes;
  • We may use your personal information where it is necessary for our legitimate interests (or those of a third party) and it doesn't adversely affect your fundamental rights or interests;
  • In order to comply with a legal or regulatory requirement.
  • You grant us permission to send you electronic notifications and messages with information on how to register on our platform, conditions related to the delivery of services, and advertisements. You also consent to receiving marketing emails and other forms of correspondence from us. You will be updated on the newest Services developments through such correspondence. By using the unsubscribe option we provide, you can remove your name from our mailing list at any time.

PERSONAL DATA TRANSFER

Regarding the transfer and storage of data, we abide with all applicable laws. We may, where the law allows, transfer and retain the information and personal data you supply to us in nations outside of India, strictly pursuant to the RBI's rules and regulations. This might occur if any of our servers or service providers are occasionally found in nations other than India. We may also share information with organisations in nations other than India, provided that we abide by the other clauses in this Policy. The data protection legislation of the various nations may apply to these companies.

Your information might be transmitted, according to applicable laws, to a country outside of India if you use the Services when you are outside of India so that you can receive the Services. Your consent to the transmission, storage, and processing of your information and personal data outside India in the ways mentioned above is implied when you provide us with this information and personal data.

A THIRD-PARTY SERVICE

Periodically, our services may include connections to and from the websites of our partner networks, advertisers, and affiliates that offer services ("Third Party Services"). Remember that the Third Party Services may be accessed through our Services, and that they may have their own privacy rules. Regarding the practises or privacy information gathered through Third Party Services, we disclaim all obligation and accountability. Please review their privacy rules before providing personal information to such websites or utilising their services.

COOKIES

Cookies are little data files that a website or its service provider uploads through your web browser to the hard disc of your smartphone or computer (if you permit it to do so) so that it can identify your browser and remember specific information.

To provide you with better tools and experiences in the future, cookies allow us track and remember your preferences for subsequent visits, keep track of adverts, and gather aggregate statistics about site traffic and site activity. Cookies enable sessions. In order to better understand our site users, we might get in touch with third-party service providers. The information gathered on our behalf by these service providers may only be used by those parties for the purposes of assisting us in operating and enhancing our business.

On specific pages of the Services, third parties may also have inserted cookies or other similar technologies. We have no control over how third parties may use cookies. You are welcome to contact us personally by email or letter, and other users and third parties are welcome to contact us regarding your use of the Services.

DATA SECURITY

Our data security procedures, which include PCI-DSS, the most recent encryption standards, and transport channel security, meet RBI criteria. We take specific security precautions, in accordance with the requirements of the Information Technology Act of 2000 and the relevant rules (Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules of 2011), to safeguard your personal information from unauthorised access. These precautions include encryption and firewalls. You accept all risks connected with revealing personal information due to firewall and secure server software breaches while using the Services. You acknowledge, however, that the aforementioned precautions do not ensure complete privacy protection.

We will comply with all requirements outlined under the RBI's guidelines, the Information Technology Act, 2000, and its regulations.

DATA RETENTION

We will continue to keep and maintain your data for as long as is reasonable or as long as is permitted by relevant law after the purpose for which it was obtained is fulfilled.

BUSINESS TRANSITIONS

Your personal information can be one of the assets transferred in the event of a business change, such as a merger, acquisition by another company, or sale of all or a portion of our assets.

CHANGE OF PRIVACY POLICY

Our Policy is subject to ongoing review, and we reserve the right to make changes as needed. This Policy's terms could change, and if they do, we'll post the updated information here and, as necessary, email you to let you know. We ask that you constantly examine this policy.

GRIEVANCE OFFICER

Support@(WEBSITE NAME) is how you can get in touch with us. If you have any inquiries regarding this Policy or if you need your personal information reviewed or changed, kindly contact us.

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