This Privacy Policy describes how Kartwalaa and its affiliates (collectively “Kartwalaa, we, our, us”) collect, use, share or otherwise process your personal information through Kartwalaa website www.Kartwalaa.com, its mobile application, and m-site (hereinafter referred to as the “Platform”). You may be able to browse certain sections of the Platform without registering with us. However, please note we do not offer any product/service under this Platform outside India. We value the trust you place in us and recognize importance of secure transactions and information privacy.

By visiting this Platform and providing your information or availing out product/service, you expressly agree to be bound by the terms and conditions of this Privacy Policy, the Terms of Use and the applicable service/product terms and conditions, and agree to be governed by the laws of India including but not limited to the laws applicable to data protection and privacy. If you do not agree please do not use or access our Platform.

Information Collection

We collect and store information (such as email address, delivery address, name, phone number, credit card/debit card and other payment details) provided by you from time to time, when you set up an account or transact with us. We list and indicate the required and optional field. You always have the option to not provide information by choosing not to use a particular service, product or feature on the Platform. In general, you can browse the Platform without being a registered member. However, certain activities (such as placing an order or consuming our online content or services) do require registration.

We shall track your buying behavior, preferences, and other information that you choose to provide on our Platform. We use this information to do internal research on our users’ demographics, interests, and behavior to better understand, protect, serve and send you offers based on your user interests. This information may include URL requests, browser information, and your IP address.

If you choose to post messages on our message boards, chat rooms or other message areas or leave feedback on Kartwalaa Platform, we will collect such information and also retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law. On the other side, if you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Platform, we may collect such information into a file specific to you.

We will collect your information related to your transactions on Kartwalaa platform and any third-party business partner platform collects your personal information directly from you, you will be governed by their privacy policies. Kartwalaa shall not be responsible for the third-party business partner’s privacy practices or the content of their privacy policies, and we request you to read their privacy policies prior to disclosing any information.

Usage of Demographic/ Profile Data and Information

We collect and use your personal information to detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and to provide product and services request to you. With your consent, we will have access to your SMS, contacts in your directory, location and device information. In our efforts to continually improve our product and service offerings, we and our affiliates collect and analyze demographic and profile data about our users’ activity on our Platform. We identify and use your IP address to diagnose problems with our server, and to administer our Platform. Your IP address is also used to help identify you and to gather broad demographic information.

We may also request you to provide your PAN, GST Number, Government issued ID cards/number and Know-Your-Customer (KYC) details to: (i) check your eligibility for certain products and services including but not limited to credit and payment products; (ii) issue GST invoice for the products and services purchased for your business requirements; (iii) enhance your experience on the Platform and provide you access to the products and services being offered by us, sellers, affiliates or lending partners. You understand that your access to these products/services may be affected in the event consent is not provided to us.

We will occasionally ask you to participate in optional surveys conducted either by us or through a third party market research agency. These surveys may ask you for personal information, contact information, date of birth, demographic information (like zip code, age, or income level), attributes such as your interests, household or lifestyle information, your purchasing behavior or history, preferences, and other such information that you may choose to provide. The surveys may involve collection of voice data or video recordings, the participation of which would purely be voluntary in nature. We use this data to tailor your experience at our Platform, providing you with content that we think you might be interested in and to display content according to your preferences.

Cookies

“Cookies” are small files that are placed on your hard drive which assist us to provide better and faster services. Further, same will also help us to analyze our web page flow, measure promotional effectiveness, and promote trust and safety. Cookies do not contain any of your personal information. We offer certain features that are only available through the use of a “cookie”. Cookies help us to provide information of your interests. Most cookies are “session cookies,” meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline/delete our cookies if your browser permits, although in that case you may not be able to use certain features on the Platform and you may be required to re-enter your password more frequently during a session. Additionally, you may encounter “cookies” on certain pages of the Platform that are placed by third parties that are not controlled by us.

Information Sharing

We may share personal information with our trusted entities and affiliates (such as sellers or business partners) for purposes of providing products and services offered by them. These entities and affiliates may share such information with their affiliates, business partners and other third parties for providing you their products and services. This disclosure may be required for us to serve your products and services; for fulfillment of your orders; for enhancing your experience; for providing feedback on products; to collect payments from you; to comply with our legal obligations; to conduct market research or surveys; to enforce our Terms of Use; to facilitate our marketing and advertising activities; to analyze data; for customer service assistance; to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our product and services. On the other side, We and our affiliates will share some or all of your personal information with another business entity that plan to merge with, or be acquired by that business entity, or re-organization, amalgamation, restructuring of business. We do not disclose your personal information to third parties for their marketing and advertising purposes without your explicit consent.

We provide all users with the opportunity to avoid of receiving non-essential (promotional, marketing-related) communications after setting up an account with us. However, if you are interested in promotional programs, you can unsubscribe/opt-out the same from us.

Links to Other Sites

Our Platform may provide links to other websites or application that may collect personal information about you. We are not responsible for the privacy practices or the content of those linked websites.

Security Precautions

We maintain reasonable physical, electronic and procedural safeguards to protect your information. Whenever you access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to our security guidelines to protect it against unauthorized access. However, by using the Platform, the users accept the inherent security implications of data transmission over the internet and the World Wide Web which cannot always be guaranteed as completely secure, and therefore, there would always remain certain inherent risks regarding use of the Platform. Users are responsible for ensuring the protection of login and password records for their account.

Advertisements on Platform

We use third-party advertising companies to serve ads when you visit our Platform. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.

Children Information

We do not knowingly solicit or collect personal information from children under the age of 18 and use of our Platform is available only to persons who can form a legally binding contract under the Indian Contract Act, 1872. If you are under the age of 18 years then you must use the Platform, application or services under the supervision of your parent, legal guardian, or any responsible adult.

Data Retention

We retain your personal information in accordance with applicable laws, for a period no longer than is required for the purpose for which it was collected or as required under any applicable law. However, we may retain data related to you if we believe it may be necessary to prevent fraud or future abuse or if required by law or for other legitimate purposes.

Your Consent

By visiting our Platform or by providing your information, you consent to the collection, use, storage, disclosure and otherwise processing of your information (including sensitive personal information) on the Platform in accordance with this Privacy Policy. If you disclose to us any personal information relating to other people, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.

You consent us, while providing your personal information across the various platforms or establishments, (including our other corporate entities, affiliates, lending partners, technology partners, marketing channels, business partners and other third parties) to contact you through SMS, instant messaging apps, call and/or e-mail for the purposes specified in this Privacy Policy.

Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes to our information practices. Please check our Privacy Policy periodically for changes. We alert you to significant changes to this privacy policy by posting the date our policy got last updated, placing a notice on our Platform, or by sending you an email when we are required to do so by applicable law.

Queries

If you have a query, issue, concern, or complaint in relation to collection or usage of your personal information under this Privacy Policy, please contact us at the contact information provided below.

Contact Us

In accordance with Information Technology Act 2000 and rules made there under, the contact details are provided below. Please reach/send us if you have any queries or questions to:

Grievance Officer,

C/o Kartwalaa,

7-2-195 197 198 199,

Main Bazar, Hindupur – 515201.

Andhra Pradesh, India.

Email: grievances@kartwalaa.com