(a) This Privacy Policy (“Policy”) delineates IICCAG’s practices concerning the storage, use, processing, and disclosure of personal data voluntarily shared by you when accessing our website IICCAG.com.

It also encompasses personal data associated with your use of our Platform and our array of financial products and services (collectively, “Services”).

(b) At IICCAG, safeguarding your personal data and respecting your privacy is our priority. We urge you to carefully review this Policy to comprehend how we handle your personal data and our commitments regarding its treatment. This policy outlines the framework for processing any personal data we collect from or about you.

(c) Capitalized terms in this Policy carry the same definitions as provided in the Terms of Service (“Terms”), available at [link]. It is important to read this Policy in conjunction with the Terms.

(d) When using the Platform, your consent is implied for the collection, storage, use, and disclosure of your personal data, in alignment with and subject to this Policy. We only gather information explicitly and knowingly provided by you.

(e) This Policy, coupled with any terms governing our relationship with you, is applicable to your utilization of the Services.

1. THE DATA WE COLLECT ABOUT YOU

(a) Personal data, or personal information, refers to any information enabling the identification of an individual. It excludes data where the identity has been removed, such as anonymous data.

(b) To facilitate and enhance the Services, we may gather, use, store, and transfer various categories of personal data that you voluntarily provide. This includes:

(i) Identity-related information like first and last names, usernames or similar identifiers, gender, titles, passwords, purchases or orders made through our Services, feedback, and survey responses;

(ii) Contact details encompassing email addresses, phone numbers, delivery addresses, business addresses, and social media information;

(iii) Transaction particulars, inclusive of payment details and service purchase history;

(iv) Financial information, comprising details of financial products utilized via the Platform, bank account specifics, payment methods, and card details;

(v) Device data, including but not limited to:

* SMSs containing financial transaction data;
* Device location information;
* Device specifications such as hardware model, operating system, IMEI and serial numbers, user profiles, IP addresses, browser details, time zone settings, Wi-Fi and mobile network information;
* Contacts stored on your device;
* Accounts logged into from your device.

(vi) Usage data, indicating how you interact with our Services; and

(vii) Marketing and communication preferences.

(c) Additionally, we gather, use, and share aggregated data, like statistical or financial information, for various purposes. While this aggregated data may originate from personal data, it isn’t classified as personal data as per applicable laws. For instance, we might compile your usage data to analyze the percentage of users accessing specific features. However, if aggregated data is combined or linked to your personal data, making direct or indirect identification possible, we treat it as personal data, governed by this Policy.

(d) In situations where the collection of personal data is required by law or under our agreement with you, failure to provide such data might hinder our ability to fulfill our obligations or engage in a contract with you (e.g., providing certain features of the Services). Should this occur, we may need to limit or cancel your access to the Services, and we’ll inform you accordingly at that time.

2. HOW YOUR PERSONAL DATA IS COLLECTED

(a) We employ various methods to gather and process data concerning you.

(i) Information you provide: This includes details (identity, contact, marketing and communications data) you willingly provide while using our Services or through correspondence (e.g., email or chat). It encompasses information furnished during registration, utilization of in-Platform features, sharing data via the Services, routine activities linked to the Services, and when reporting issues with the Platform and our Services.

Correspondence records will retain information shared during interactions.

(ii) Data collected about you and your device:

Whenever you access our Platform or use any Services, we automatically gather personal data, including device and usage information. This data is collected through cookies and similar technologies.

(iii) Information received from other sources:

We receive personal data from various third-party and public sources, including:

✓ Analytics providers like Google and Facebook;
✓Advertising networks;
✓Search information providers;
✓Identity and contact details from data brokers, aggregators, or social networks;
✓Identity and contact data available through public sources.

3. AUTHENTICITY OF INFORMATION

(a) We have taken all reasonable measures to ensure the authenticity of the information available on the Platform.

(b) By using our Platform, you acknowledge that the information and personal data you share with us are true, correct, and accurate. We cannot be held responsible for any inaccuracies or falsities in the information or personal data provided by you.

(c) You have the option to review the information and personal data you’ve provided while using the Platform. Should you wish to correct or modify this information, you can do so by contacting us or our Grievance Officer, whose contact details are available in Section 12 of this Policy.

4. HOW WE USE YOUR PERSONAL DATA AND FOR WHAT PURPOSES

(a) We will utilize your personal data strictly in accordance with applicable laws. Primarily, we will use your personal data to provide Services or fulfill legal obligations.

(b) By providing us with your personal data, you understand and consent to its sharing with third parties. When using our Services on the Platform, you authorize us, our associates, and affiliates to contact you via email, phone, or other means to inform you about the Service features.

(c) You acknowledge that any information related to you, whether directly provided by you or otherwise obtained (via the Services or other channels), including personal correspondence such as emails or instructions, may be collected, compiled, and shared by us to deliver Services. You expressly authorize us to share this information with storage providers, marketing partners, data analytics providers, consultants, legal representatives, auditors, subsidiaries, affiliates, or their holding companies.

(d) You agree that we may disclose data without your explicit consent if required by law, court, government agency, or authority. Such disclosures will be made in good faith and reasonably necessary to enforce this Policy or the terms of our arrangement with you, or to comply with applicable laws and regulations.

(e) Our disclosure of personal data is primarily for the following purposes:

✓Installing the Platform and user registration;
✓Service delivery and account maintenance;
✓Managing our relationship with you, including notifications about Service changes;
✓Administering, protecting, troubleshooting, and improving our business and Services;
✓Delivering content, advertisements, and recommendations;
✓Analyzing advertising effectiveness, trends, and service enhancements;
✓Fulfilling obligations and enforcing terms of arrangements with you;
✓Pursuing legitimate interests that do not override your fundamental rights;
✓Complying with legal or regulatory obligations.

(f) You authorize us to send electronic alerts and messages related to Platform registration, Service requirements, and advertising.

(g) Additionally, you consent to receiving promotional emails and other communications from us, providing updates about Service developments. You retain the option to unsubscribe from our mailing list at any time using the provided unsubscribe option.

5. TRANSFER OF PERSONAL DATA

(a) In the course of using our Services, the information and personal data you provide may be transferred to and stored in countries other than India (in compliance with applicable laws). This could occur if our servers or service providers are situated in a country other than India.

Additionally, we may share information with entities located outside India, subject to the data laws of their respective countries.

(b) When utilizing the Services outside India, your information may be transferred to another country, as allowed by applicable law, to ensure the provision of Services.

(c) By submitting your information and personal data, you consent to the transfer, storage, and/or processing of such information outside India, as outlined above.

6. THIRD PARTY SERVICES

(a) Periodically, our Services may include features provided by, or links to and from, websites belonging to our partner networks, advertisers, and affiliates *(“Third Party Services”)*. Please note that these Third Party Services accessible through our platform operate under their own privacy policies. We do not assume responsibility or liability for their policies or for any personal data collected through these services. It’s advisable to review their policies before providing any personal data or using their services.

(b) To better understand your interactions with the Services, we utilize third-party user experience improvement services (including, but not limited to, those offered by Google Inc. and/or its affiliates) and applications.

(c) Your interaction with these third parties and their tools is separate from your relationship with us. Some of these third parties might allow you to control the information collected. It’s recommended to individually manage and regulate such data collections based on your preferences.

(d) The location where information is processed depends on each third-party service provider. We suggest reviewing the privacy policy of each service provider to understand the shared data and its intended purpose. Opting in to receive communications from third parties will subject you to their respective privacy policies. We are not accountable for the privacy standards and practices of these third parties.

(e) Your personal information might be shared with our parent company, subsidiaries, joint ventures, or other companies under shared control (“Affiliates”). Should this occur, we require them to adhere to this Policy.

7. COOKIES

(a) To distinguish you from other users of the Services and to retain your preferences, we utilize cookies and/or other tracking technologies. This aids in delivering an optimal experience and enables us to enhance the Services.

(b) We gather data through ‘cookies,’ which are small data files sent to your browser from the Platform and stored on your device’s hard drive. These cookies do not access personal data such as email addresses or identifiable information. The collected data through cookies is utilized to manage the Services, providing a customized and user-friendly experience. Cookies enable access to specific features of the Services. Most web browsers and devices can be configured to notify you when receiving a cookie or to block cookies. However, preventing cookies might limit the functionality available when accessing the Platform or some Services.

(c) Occasionally, you may encounter cookies or similar devices on certain Service pages placed by third parties. We do not govern the use of cookies by third parties. Correspondence such as emails or letters sent by you or other users, or information shared by third parties regarding your Service-related activities, may be collected and stored in a file specific to you.

8. DATA SECURITY

(a) We employ specific security measures, including encryption and firewalls, to safeguard your personal information from unauthorized access. These measures align with the security practices and procedures stipulated by the Information Technology Act, 2000, and relevant regulations (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information Rules, 2011). However, it’s understood and agreed that these measures do not ensure absolute protection for personal information. By using the Services, you acknowledge and accept all associated risks related to potential disclosure of personal information due to breaches in firewalls or secure server software.

(b) If you’ve been provided (or chosen) a password to access specific Service sections, you are accountable for maintaining its confidentiality. Please refrain from sharing your password with others.

(c) In the event of a data or security risk, we will adhere to the stipulations outlined in the Information Technology Act, 2000, and its related regulations.

9. DATA RETENTION

You acknowledge that your personal data will be stored and retained by us for a reasonable duration after the termination of your use of our Services on the Platform.

10. BUSINESS TRANSITIONS

You understand that in the event of a business transition, like a merger, acquisition by another organization, or the sale of all or part of our assets, your personal data may be among the assets transferred.

11. CHANGE IN PRIVACY POLICY

(a) Our Policy undergoes periodic reviews, and we reserve the right to amend it at our discretion.

(b) Any alterations to this Policy will be posted on this page and, if deemed necessary, communicated to you via email. The updated Policy might appear on-screen, and you may be prompted to review and accept the changes to proceed with using the Services.

12. GRIEVANCE OFFICER

If you have any inquiries regarding this Policy or your personal information (including reviewing or updating it), please contact us at support@iiccag.com.

You can also reach out to our Grievance Officer, appointed in accordance with the Information Technology Act, 2000 and its regulations, at the following address:

Name: Ms. K. Karmiyal
Address: IICCAG, 306, ISKON JANMAHAL, Opp Vadodara Platform No 1, Vadodara, Gujarat – 390005.

Email Address: support@iiccag.com