We collect and generate various data points about you.
Data by which you are identified is termed as
“Personal Data”. Personal Data does not mean information that is freely
available or accessible in public domain.
Your Privacy is of utmost importance to us and
protection of your Personal Data is a key commitment for us.
We are also governed by the provisions of applicable
law in India including the Information Technology Act 2000 and the Information
Technology (Reasonable security practices and procedures and sensitive personal
data or information) Rules, 2011 to maintain the privacy of your Personal Data.
Personal Data we may collect from you are as under:
1. Personal details (e.g. name, contact details
including, residential address, date of birth, documents such as identity card
/ passport details / Aadhaar details / PAN / Voter ID / driving license, and/or
education details) provided by you to us to avail various products/services
from us.
2. Your details including transaction history,
balances, and payment details, for effecting transfer of monies through various
payment channels provided by us.
3. Financial details (e.g. income, expenses, and/or
credit history) needed as part of request for some of our products/services;
4. Images of documents/ photos required to avail any
of our products/services.
5. Voice recordings of our conversations with our
customer care agent with you to address your queries/grievances;
6. Employment details (e.g. occupation, positions
held, employment history, salary and/or benefits) as part of our record
retention for credit/various product evaluations or required under applicable
law including Prevention of Money Laundering (Maintenance of Records) Rules,
2005
7. Specimen signature(s) for processing of your
instructions received by us through our various payment and delivery channels;
8. Opinions provided by you to us by way of feedback
or responses to surveys;
9. Information obtained from your mobile device by way
of using our app like device location, communication information including
contacts and call logs, device information (including storage, model, and
mobile network), transactional and promotional SMS/app notifications.
Any Personal Data that we have access to shall never
be shared without your consent.
In various processes / submission of applications /
availment of product/service offerings, we even seek your explicit consent to
use / share your Personal Data.
In our business and operational processes, we only
share the data on a partial and “need-to-know” basis to designated personnel or
partners or service providers.
We will share your data with competent/
legal/statutory/regulatory agencies / authorities or partners/service providers
acting on our behalf (as the case may be) in following cases:
1. only for enabling the provision of the
products/services availed by you, strictly on a “need to know” basis and
subject to applicable laws.
2. it is directed or required by legal/regulatory /
statutory / governmental authorities under applicable laws/regulations though a
legally obligated request.
3. it is required by financial institutions to verify,
mitigate or prevent fraud or to manage risk or recover funds in accordance with
applicable laws/regulations.
III. Usage of Your Personal Data
We use your Personal Data in our business activities
for providing our or our partners’ products/services and to perform, among
other actions, the following:
1. to facilitate the transactions or report on these
transactions;
2. to undertake research and analytics for offering or
improving our products/services and their security and service quality;
3. to check and process your applications submitted to
us for products/services and/or instructions or requests received from you in
respect of these products/services;
4. to share with you, updates on changes to the
products/services and their terms and conditions;
5. to take up or investigate any
complaints/claims/disputes;
6. to respond to your queries or feedback submitted by
you;
7. to verify your identity for us to provide
products/services to you;
8. to carry credit checks, screenings or due diligence
checks as lawfully required by us;
9. to monitor and review products/services from time
to time;
10. To undertake financial/regulatory/management
reporting, and create and maintain various risk management models;
11. For conducting audits and for record keeping
purposes;
12. For selective offers and promotions.
External Processing:
We may provide your personal information to our affiliates or other trusted
businesses or persons or service providers engaged by us, or institutions that
we partner with to assist us with providing you with products/services to
better serve your needs and interests, based on your instructions and in
compliance with our Privacy Policy and any other appropriate confidentiality
and security measures.
We also use your Personal Data to fulfill the
requirements of applicable laws/regulations and/or court orders/regulatory
directives received by us.
Our website may contain links to other websites which
are not maintained by us. This privacy policy only applies to us. You are
requested to read the other websites’ privacy policies when visiting these
websites.
VII. Reasonable Security Practices and Procedures
We take various steps and measures to protect the
security of your Personal Data from misuse, loss, unauthorized access,
modification or disclosure. We use latest secure server layers encryption and
access control on our systems. Our safety and security processes are audited by
a third party cyber security audit agency from time to time.
We have provided multiple levels of security to
safeguard your app by Login/Logout option and App Lock feature that can be
enabled by you. We also ensure the device binding so that the same login cannot
be used on different device without any additional authentication/OTP. Please
do not share your Kartbest store login, password and OTP details with anybody.
This policy will be reviewed by us as and when
required and the same may change at any time. The latest & most updated
policy can always be found at while we will make reasonable efforts to
keep you posted on any updates to this privacy policy, to make sure that you
are aware of any changes, we recommend that you review this policy
periodically.
This Privacy Policy shall apply uniformly to Kartbest
store’s desktop website, mobile WAP site & mobile applications
In this policy, the words “we”, “ours” and/or “us”
refer to Kartbest store and “you” and/or “your” refer to our customers.