Karmakriti (“Firm”/ “We”/ “Us”) is committed to upholding the privacy and security of the information supplied by every person (“User”/ “You”) accessing and using any version of the www.karmakriti.co.in (“Website”) on a compatible device. This privacy policy (“Privacy Policy”) briefly provides the manner in which We collect and use User information. By accessing or using the App and/or Website (“Platform”), You signify that You have read, understood and agree to be bound by this Privacy Policy. We reserve the right to update or modify this Privacy Policy at any time without prior notice and such changes shall be effective immediately upon posting the updated or modified Privacy Policy on the Platform and We shall not be bound to inform you of any modifications hereof. Your access and use of the Platform following any such change constitutes your agreement to follow and be bound by this Privacy Policy, as updated or modified. For this reason, We encourage You to review this Privacy Policy each time You access and use the Platform. Your use of the Platform and any disputes arising therefrom, is subject to this Privacy Policy.

We reserve the right to update or modify this Privacy Policy at any time without prior notice and such changes shall be effective immediately upon posting the updated or modified Privacy Policy on the Platform and We shall not be bound to inform you of any modifications hereof.

1. Information Collected

1. We shall collect personal information of the User, by which he/ she/ it, as a person can be identified, including without limitation, name, mobile number, address, email id, etc (“Personal Data” or “Personal Information”). It is hereby clarified that:
   • While some User information has to be mandatorily provided, others are optional and certain portions of the information shall remain private and some shall be displayed to other Users; We shall always let the User know which is which.
   • Additional information may be gathered during subsequent use of the Platform by the User, whenever the User chooses to provide it.
2. Certain mandatory information shall be collected at the time of registration on the Platform which is required to enable the User to login to the Platform and for Us to verify the User’s identity; and to safeguard against illegal activities like fraud, cheating, misappropriation, etc. as may be determined by Us; and/or our banking and service partners.
3. In order to use the facilities and services available on the Platform, the User may be required, from time to time, to provide certain additional personal information after registration on the Platform, which information shall be collected only upon receiving the User’s express consent.
4. We may also automatically receive and collect certain anonymous information in standard usage logs through the web server, including mobile-identification information obtained from the equivalent of "cookies" sent to the Platform, including mobile network information, standard web log information, usernames, passwords, and other security and usage related information, traffic to and from our Platform, tracking inside the Platform, log data, analytical code, time stamp, geo stamp, version and identification number of the Device, browser type, browser language, the date and time of Your request, Your profile, websites visited by You, search terms used, platform type, number of clicks, phone number, requested status of other Users and various status information and other personal setting information with regard to Your usage of the Platform and any other available information (“Usage Information”), from:
   1.  an IP address, assigned to the device used by the User;
   2.  the domain server through which the User accesses the Platform and the functions and features therein; and
   3.  the type of device used by the User (“Device”).