PRIVACY POLICY

INTRODUCTION

This Privacy Policy describes how KnI Wealth and its affiliates (collectively "KnI Wealth", "we", "our", "us") collect, use, share, protect, and otherwise process your information and personal data through our website https://ip-platform.kniwealth.com/ (hereinafter referred to as the "Platform").

Please note that you may be able to browse certain sections of the Platform without registering with us. We do not offer any product or service under this Platform outside India, and your personal data will primarily be stored and processed in India.

By visiting this Platform, providing your information, or availing any product or service offered on the Platform, you expressly agree to be bound by the terms and conditions of this Privacy Policy, the Terms of Use, and applicable service or product terms and conditions, and you agree to be governed by the laws of India, including laws applicable to data protection and privacy.

If you do not agree with this Privacy Policy, please do not use or access the Platform.

1. INFORMATION WE COLLECT

We collect your personal data when you use our Platform, avail our Services, or otherwise interact with us during the course of our relationship. The information we may collect includes, but is not limited to:

• Personal identification information provided during sign-up or registration, such as your name, date of birth, address, telephone or mobile number, email ID, and any such information shared as proof of identity or address.
• Sensitive personal data (collected with your consent), such as bank account details, credit or debit card information, or other payment instrument details.
• Behavioural data, including your preferences and other information you choose to provide on our Platform. This information is compiled and analysed on an aggregated basis.
• Transaction data related to your purchases and interactions on the Platform and third-party partner platforms.

You always have the option to not provide certain information by choosing not to use a particular service or feature on the Platform.

When a third-party business partner collects your personal data directly from you, you will be governed by their privacy policies. We shall not be responsible for third-party privacy practices or the content of their privacy policies, and we request you to read their policies before disclosing any information.

2. HOW WE USE YOUR INFORMATION

We use your personal data to:

• Provide the services you request and process your transactions.
• Assist in handling and fulfilling orders.
• Enhance your customer experience on the Platform.
• Resolve disputes and troubleshoot problems.
• Inform you about online and offline offers, products, services, and updates (you may opt out of marketing communications at any time).
• Customise your experience on the Platform.
• Detect, prevent, and protect against error, fraud, and criminal activity.
• Enforce our Terms of Use and other policies.
• Conduct marketing research, analysis, and surveys.

Where we use your personal data for marketing purposes, we will provide you with the ability to opt out of such uses.

Your access to certain products or services may be affected if you choose not to provide the required permissions or information.

3. SHARING YOUR INFORMATION

We may share your personal data in the following circumstances:

• Internally, within our group entities, corporate entities, and affiliates to provide you access to their services and products. These entities may market to you unless you explicitly opt out.
• With third parties such as sellers, business partners, third-party service providers, logistics partners, prepaid payment instrument issuers, third-party reward programs, and payment processors, as necessary to provide our services.
• With government agencies or authorised law enforcement agencies if required by law, or in good faith belief that such disclosure is reasonably necessary to respond to legal process, court orders, or subpoenas.
• With third parties in good faith belief that disclosure is necessary to: (a) enforce our Terms of Use or Privacy Policy; (b) respond to claims that content violates third-party rights; or (c) protect the rights, property, or personal safety of our users or the general public.

4. SECURITY

To protect your personal data from unauthorised access, disclosure, loss, or misuse, we adopt reasonable security practices and procedures. Whenever you access your account information, we adhere to our security guidelines to protect it against unauthorised access and offer the use of a secure server.

However, the transmission of information over the internet cannot always be guaranteed as completely secure. By using the Platform, you accept the inherent security implications of data transmission over the internet. Users are responsible for maintaining the confidentiality of their login credentials and password records.

5. DATA RETENTION AND DELETION

You may delete your account by visiting your Profile and Settings on the Platform. This action will result in the loss of all information related to your account.

You may also write to us at the contact information provided below to assist you with account deletion requests. We may refuse or delay deletion in the event of any pending grievance, pending claims, or ongoing services.

We retain your personal data for no longer than is required for the purpose for which it was collected, or as required under applicable law. However, we may retain data if we believe it is necessary to prevent fraud or future abuse, or for other legitimate purposes. Data may also be retained in anonymised form for analytical and research purposes.

6. YOUR RIGHTS

You may access, rectify, and update your personal data directly through the functionalities provided on the Platform, including your profile and account settings.

7. CONSENT

By visiting our Platform or by providing your information, you consent to the collection, use, storage, disclosure, and processing of your information in accordance with this Privacy Policy.

If you disclose personal data relating to other individuals, you represent that you have the authority to do so and permit us to use such information in accordance with this Privacy Policy.

By providing your personal data on the Platform or any partner platform, you consent to us (including our corporate entities, affiliates, lending partners, technology partners, marketing channels, and business partners) contacting you via SMS, instant messaging apps, calls, and/or email for the purposes described in this Privacy Policy.

You may withdraw your consent at any time by writing to our Grievance Officer at the contact details provided below. Please mention "Withdrawal of consent for processing personal data" in the subject line of your communication. Such withdrawal will not be retrospective and will be subject to applicable law. Please note that withdrawal of consent may result in restriction or denial of certain services for which the information is considered necessary.

8. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes to our information practices. We will alert or notify you about significant changes in the manner required by applicable law. Please review this Privacy Policy periodically for any changes.

9. GRIEVANCE OFFICER AND CONTACT

For any concerns, queries, or complaints relating to this Privacy Policy or the processing of your personal data, please contact our Grievance Officer:

KnI Wealth 14, 1404, Sorrento Building, Hiranandani Gardens, Powai, Mumbai, Maharashtra – 400076

Website: https://ip-platform.kniwealth.com/ Support Hours: Monday to Friday, 9:00 AM – 6:00 PM IST