1. Introduction

Welcome to PerkPay! This Privacy Policy ("Policy") outlines how Cardkuber Technologies Private Limited ("Company," "we," "us," or "our"), operating under the brand name PerkPay, collects, uses, processes, discloses, and safeguards your personal information when you use our mobile application ("App") and the services provided through it (collectively, the "Services").

Our registered office is located at 37, P.N.B. Colony, Idgah Hills, Bhopal, Pin-462001, India, and our official email is info@perkpay.in.

PerkPay is a financial technology platform designed to connect Indian credit card holders ("Users") with buyers ("Buyers"). Our innovative model allows Users to place orders for products on behalf of Buyers to unlock online discounts and earn commissions, thereby creating a mutually beneficial ecosystem.

Your privacy is of utmost importance to us. This Policy aims to clearly explain our practices regarding your data, ensuring transparency and building trust. By accessing or using our App and Services, you signify your acceptance of the terms outlined in this Privacy Policy. If you do not agree with these terms, please refrain from using our Services.

We are committed to complying with applicable Indian laws and regulations concerning data protection, including the Information Technology Act, 2000, and its associated rules (such as the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, or "SPDI Rules"). Furthermore, we strive to align our practices with the principles and requirements of the upcoming Digital Personal Data Protection Act, 2023 (DPDP Act).

2. Types of Information We Collect

To provide you with seamless and secure Services, we collect various types of information:

2.1 Personally Identifiable Information (PII)

This includes information that can be used to identify you directly or indirectly:

●        Contact Information: Your full name, mobile number, email address, and postal address.

●        Identity Information: Your Permanent Account Number (PAN) and other Know Your Customer (KYC) documents as required by regulatory guidelines (e.g., Aadhaar details, if applicable and consented to).

●        Profile Information: Any other information you provide in your user profile.

2.2 Financial Details

We collect financial information necessary for processing transactions and payouts:

●        Payment Method Information: Details related to your chosen payment methods (e.g., bank account details for commission payouts). Please note: PerkPay does NOT store your credit card numbers, expiry dates, or CVVs directly on its servers. All credit card transactions are processed securely by our trusted third-party payment gateway partners.

●        Transaction Information: Details about the orders you place or request through the App, including product details, order values, discounts applied, commission earned, order status, and delivery information.

2.3 Device & Usage Information

When you access our App, we automatically collect certain technical and usage data:

●        Device Information: Type of device, unique device identifiers, operating system, mobile network information, and browser type.

●        Log Data: Your Internet Protocol (IP) address, pages visited, time spent on pages, access dates and times, and other diagnostic data.

●        Geolocation Information: With your explicit consent, we may collect precise or approximate location information from your mobile device.

2.4 Cookies and SDK Data

●        Cookies: We use "cookies" and similar tracking technologies (e.g., web beacons, pixels) to track activity on our App and hold certain information. Cookies are small files stored on your device that help us analyze app usage, measure promotional effectiveness, and enhance security.

●        Third-Party SDKs (Software Development Kits): We integrate third-party SDKs (e.g., for analytics, payment processing like Razorpay, or crash reporting) that may collect data directly from your device. This data collection is governed by the privacy policies of these third-party providers.

3. How Information Is Collected

We collect your information through various channels:

●        Directly from You:

○        When you register for an account and create your profile.

○        During the KYC verification process and submission of identity documents (e.g., PAN).

○        When you place or request orders through the App.

○        When you interact with our customer support, submit feedback, or participate in surveys.

○        When you update your account details or preferences.

●        Automatically through App Usage:

○        Through server logs that record your interactions with the App.

○        Via cookies and other tracking technologies that collect usage and device information.

●        From Third Parties:

○        From our integrated third-party service providers (e.g., payment gateways, KYC verification services, analytics providers) who may provide us with information related to your transactions or interactions with their services.

○        From public sources or other third-party partners, where permitted by law, to enhance our services or for fraud prevention.

4. Purpose of Collection

We collect and process your personal information for the following purposes:

●        To Provide, Operate, and Maintain Our Services:

○        To create and manage your user account.

○        To facilitate order placement and fulfillment between Users and Buyers.

○        To process and manage commission payouts to Users.

○        To enable communication between Users, Buyers, and PerkPay regarding transactions.

●        For KYC Compliance and Fraud Prevention:

○        To verify your identity as required by Indian financial regulations (e.g., RBI guidelines).

○        To conduct due diligence and background checks to prevent fraudulent activities, money laundering, and other illegal acts.

○        To enhance the security of the App and protect against unauthorized access or use.

●        For Communication and Support:

○        To send you transactional notifications, updates on your orders, and payout confirmations.

○        To respond to your inquiries, provide customer support, and resolve disputes.

○        To send you important notices regarding changes to our Terms or policies.

●        To Improve User Experience and Develop Services:

○        To analyze usage patterns and trends to understand how our App is used.

○        To personalize your experience and offer tailored features or recommendations.

○        To troubleshoot technical issues and enhance the performance and functionality of the App.

○        To develop new features, products, and services based on user feedback and market analysis.

●        For Legal and Regulatory Obligations:

○        To comply with applicable laws, regulations, and governmental requests (e.g., IT Act, SPDI Rules, DPDP Act, RBI guidelines).

○        To enforce our Terms of Service and other agreements.

○        To protect the rights, property, or safety of PerkPay, our users, or the public.

●        For Business Transfers:

○        In the event of a merger, acquisition, restructuring, or sale of all or a portion of our assets, your information may be transferred as part of the transaction. We will ensure that the transferee is bound by privacy obligations at least as protective as those in this Policy.

5. Data Storage and Protection

We are committed to protecting your personal information. We store your data on secure servers and implement robust security measures:

●        Encryption: Sensitive data, including PAN and KYC documents, is stored in encrypted databases to prevent unauthorized access.

●        Security Safeguards: We employ appropriate administrative, physical, and technical safeguards to protect your information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:

○        Access controls and authentication mechanisms.

○        Firewalls and intrusion detection systems.

○        Regular security audits and vulnerability assessments.

○        Employee training on data privacy and security protocols.

●        No Absolute Security: While we strive to use commercially acceptable means to protect your Personal Data, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.

6. Third-Party Sharing

We share your information only when necessary to provide our Services, comply with legal obligations, or with your consent.

●        Service Providers: We may share your information with trusted third-party service providers who perform services on our behalf, such as:

○        Payment gateways (e.g., Razorpay) for processing transactions.

○        Cloud hosting providers for data storage.

○        Analytics providers for understanding app usage.

○        KYC verification partners for identity checks.

○        Customer support and communication platforms.
These service providers are contractually bound to protect your data and are authorized to use it only as necessary to provide the services to us.

●        Legal Requirements: We may disclose your information if required to do so by law, court order, or in response to valid requests by public authorities (e.g., government agencies, law enforcement) to comply with legal obligations, enforce our policies, or protect our rights.

●        Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you before your Personal Data is transferred and becomes subject to a different Privacy Policy.

●        With Your Consent: We may share your information for any other purpose with your explicit consent.

●        Non-Sale of Data: We do not sell, rent, or lease your personal information to unaffiliated third parties for their marketing purposes.

7. User Rights

As a user of PerkPay, you have certain rights regarding your personal data, consistent with Indian data protection laws:

●        Right to Access: You have the right to request access to the personal data we hold about you.

●        Right to Rectification: You have the right to request the correction of any inaccurate or incomplete personal data we hold about you.

●        Right to Erasure (Deletion): You have the right to request the deletion of your personal data. Please note that this right is subject to certain conditions, such as our legal obligations to retain data for regulatory compliance, fraud prevention, or pending transactions/disputes. We will delete data once all such obligations are met.

●        Right to Withdraw Consent: Where we process your personal data based on your consent, you have the right to withdraw that consent at any time. Withdrawal of consent may affect your ability to use certain features of the App.

To exercise any of these rights, please send a written request to our official email: info@perkpay.in. We may require you to verify your identity before processing your request to ensure the security of your data. We will respond to your request within a reasonable timeframe as stipulated by applicable laws.

8. Cookies Policy

●        What are Cookies? Cookies are small text files placed on your device (computer or mobile) when you visit a website or use an application. They are widely used to make websites work more efficiently and to provide information to the owners of the site.

●        How We Use Cookies: We use cookies for various purposes, including:

○        Essential Functionality: To enable core features of the App, such as maintaining your login session and processing transactions.

○        Performance & Analytics: To collect information about how you use our App (e.g., pages visited, time spent) to analyze performance, identify issues, and improve user experience.

○        Personalization: To remember your preferences and provide a more personalized experience.

○        Security: To help detect and prevent fraudulent activities.

●        Your Choices: Most web browsers are set to accept cookies by default. You can usually modify your browser settings to decline cookies or alert you when cookies are being sent. However, please be aware that disabling cookies may affect the functionality of the App and your ability to use certain features.

9. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including for the provision of Services, compliance with legal and regulatory obligations, dispute resolution, and fraud prevention.

●        Active Accounts: We retain data associated with your active account for the duration of your use of our Services.

●        Account Deletion: If you request to delete your account, we will delete your personal data that we are not legally required to retain. Certain information may be retained for a limited period if necessary for our legitimate business interests, such as resolving outstanding disputes, enforcing our agreements, or preventing fraud.

●        Legal & Regulatory Compliance: We may retain certain data for longer periods if required by law (e.g., financial transaction records as per RBI guidelines, or identity verification documents as per AML regulations) or for legitimate business purposes such as auditing, accounting, or record-keeping.

●        Usage Data: Usage data is generally retained for a shorter period, unless it is used to strengthen the security or improve the functionality of our Services, or we are legally obligated to retain it for longer periods.

10. Children's Privacy

Our App and Services are not intended for use by individuals under the age of 18. We do not knowingly collect personally identifiable information from children under 18. If we become aware that we have inadvertently collected personal information from a child under 18, we will take immediate steps to delete such information from our servers. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately at info@perkpay.in.

11. Changes to This Policy

PerkPay reserves the right to update or modify this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations.

We will notify you of any significant changes by:

●        Posting the updated Privacy Policy on this page within the App and on our website.

●        Updating the "Last Updated" date at the top of this Policy.

●        Providing additional notice through the App or via email, where appropriate.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. Your continued use of the App or Services after the effective date of the revised Policy constitutes your acceptance of the updated terms.

12. Governing Law and Jurisdiction

This Privacy Policy shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any disputes arising out of or relating to this Policy shall be subject to the exclusive jurisdiction of the competent courts located in Bhopal, Madhya Pradesh, India.

13. Grievance Contact

If you have any questions, concerns, complaints, or grievances regarding this Privacy Policy or our data practices, please do not hesitate to contact our Grievance Officer:

Grievance Officer: AYUSH NEMA

Email: info@perkpay.in

Postal Address:

Cardkuber Technologies Private Limited

37, P.N.B. Colony, Idgah Hills,

Bhopal, Pin-462001,

Madhya Pradesh, India

We are committed to addressing your concerns promptly and transparently. We will acknowledge your grievance within 24 hours and endeavor to resolve it within 15 working days from the date of receipt.

By using the PerkPay App, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. Thank you for choosing PerkPay, and we look forward to providing you with exceptional service while protecting your privacy.