Privacy Policy

Kritarth Technologies Private Limited ("Company", "we", "us", or "our") is committed to protecting the privacy of our users. This Privacy Policy describes how we collect, use, disclose, store, and safeguard your information when you use our services, including but not limited to software development, invoicing tools, and Kritarth UPI-led Cashback Distribution Platform (collectively, the “Services”).

By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree, please do not use our Services.

1. Information We Collect

We collect the following types of information when you interact with our Services:

A. Personal Information

• Full name
• Email address
• Phone number
• Postal address
• PAN, Aadhaar, or government-issued ID (for KYC, where applicable)
• Bank account details (where required for settlements, payouts, or cashback distribution)
• UPI ID / VPA details (for cashback distribution and verification)
• GST number (for invoicing purposes, where applicable)
• Business details and contact person(s)
• Login credentials and user profile data

B. Non-Personal / Technical Information

• Browser type and version
• Device information (IP address, OS, device identifiers)
• Usage data (page views, clicks, time spent, logs, etc.)
• Cookies and similar tracking technologies

C. Payment & Transactional Information

• Transaction details related to cashback distribution (status, amount, timestamps, reference IDs)
• UPI transaction references (UTR / RRN, where available)
• Payment method and settlement details
• Invoices generated, paid, or pending (if you use invoicing services)
• Campaign details (cashback rules, eligible users, distribution data)

D. Merchant / Campaign Information (Cashback Platform)

• Merchant/Business name, business documents, and onboarding details
• Campaign metadata (offer type, validity, minimum criteria, cashback limits)
• Customer support communications and verification logs
• Fraud risk signals and compliance checks (as required)

2. How We Use Your Information

We use your information for the following purposes:

• To provide, operate, and maintain our Services (including cashback distribution workflows)
• To verify identity and perform KYC/AML compliance where required under Indian laws
• To process cashback distributions and settlement-related actions
• To send service-related notifications (transaction updates, campaign results, alerts)
• To provide customer support and resolve disputes or complaints
• To improve performance, analytics, monitoring, and user experience
• To detect and prevent fraud, abuse, suspicious activity, or unauthorized access
• To comply with legal, taxation, audit, or regulatory obligations

3. Legal Basis for Processing

We process personal information under the following legal bases:

• Consent – When you voluntarily provide data or opt in to communications
• Contractual Necessity – When data is required to provide Services requested by you
• Legal Obligation – For regulatory compliance, audits, tax reporting, and law enforcement requests
• Legitimate Interest – For improving services, preventing fraud, and ensuring platform security

4. Sharing of Information

We may share your data with trusted third parties for providing and operating Services, such as:

• Regulatory bodies: RBI, FIU-IND, NPCI, GSTN, and income tax authorities (as applicable)
• Payment processors, UPI partners, and banks: For transaction routing, settlement, and reconciliation
• Third-party vendors: Hosting providers, customer support tools, email/SMS services, and analytics
• Software partners or contractors: For development, maintenance, and infrastructure support
• Auditors, consultants, and legal advisors: For compliance, dispute resolution, or due diligence
• Law enforcement agencies: When required under applicable law or legal process

We ensure that our partners and vendors follow confidentiality and appropriate data protection obligations.

5. Cashback Platform Specific Privacy Notes

• Cashback distribution is processed using UPI-linked identifiers such as UPI ID/VPA, transaction reference numbers, and bank confirmations.
• We may store transaction logs for reconciliation, dispute handling, fraud checks, and compliance purposes.
• We do not sell user data to advertisers or any third party for marketing without consent.
• Cashback eligibility and distribution may be subject to merchant-defined rules, platform checks, and partner bank/payment processor validations.

6. Data Retention

We retain your data:

• For as long as necessary to fulfill the purposes described in this policy
• As required under applicable financial, tax, and regulatory obligations (generally 5 to 10 years)
• Until you request deletion, unless restricted by law or compliance obligations

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Maintain your session and login state
• Analyze usage patterns and service performance
• Improve user experience and security

You can disable cookies via your browser settings, but some Services may not function correctly.

8. Data Security

We implement reasonable security measures to protect your personal data, including:

• Encryption for sensitive data (where applicable)
• HTTPS/SSL for secure data transmission
• Access controls and role-based permissions
• Monitoring, logging, and regular security checks
• Secure data storage using reputed third-party cloud providers

However, no system is 100% secure, and we cannot guarantee absolute security.

9. Your Rights

Subject to applicable law, you may have the right to:

• Access, correct, or update your data
• Request deletion of your data (where permitted)
• Withdraw consent (where processing is based on consent)
• Object to certain processing activities
• Request data portability (where applicable)
• File a complaint with a relevant authority

To exercise your rights, email us at support@kritarthtechnologies.com

10. Children’s Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal information, please contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you via email or through the platform if material changes are made. Continued use of the Services constitutes your agreement to the updated policy.

12. Contact Us

For questions, concerns, or data-related requests, please contact:

Kritarth Technologies Private Limited
WARD NO 2, PRITHVIPUR, NIWARI, MADHYA PRADESH

Email: support@kritarthtechnologies.com
Website: https://kritarthtechnologies.com