Privacy Policy

Homekrate Private Limited and its affiliates (collectively, “Kloverbuy.com", "we" or "us") are engaged in the business of providing web-based solutions to facilitate connections between customers that seek specific services and sellers/vendors/suppliers/distributors and service professionals that offer these services. This Privacy Policy (“Policy”) applies to your interaction with Kloverbuy.com as a prospective, current or former kloverbuy.com's customer, visitor or business partner. This Privacy Statement is not a contract and does not create any legal rights or obligations. It outlines our practices in relation to the collection, storage, usage, processing, and disclosure of personal data that you have consented to to share with us when you access, use, or otherwise interact with our website available at kloverbuy.com, or the kloverbuy mobile application (collectively, “kloverbuy.com Platform” or “platform”) or avail products or services that kloverbuy.comoffers you on or through the platform (collectively, the "Services") made available by Homekrate Private Limited (“kloverbuy”, “Company”, “we”, “us” and “our”), a private company established under the laws of India having its registered office at No.31, Ground Floor, 2nd main, yashodamma layout, hosur road, Bengaluru - 560068.

The terms “you” and “your” refer to the user of the kloverbuy.com Platform. The term “Services” refers to any services offered by kloverbuy.com whether on the kloverbuy.com Platform or otherwise. Please read this Policy before using the kloverbuy.com Platform or submitting any personal information to kloverbuy.com. This Policy is a part of and incorporated within, therefore Please read this Policy in consonance with the Terms of use.

At Kloverbuy.com, we are committed to protecting your personal data and respecting your privacy rights and recognise the importance of secure transactions and information privacy. In order to provide you with access to the Services or the Professional Services, we have to collect and otherwise process certain data about you. This Policy explains how we process and use personal data about you.

YOUR CONSENT

By visiting the kloverbuy.com platform, providing your information (including sensitive personal information) or availing our platform/products/Services you expressly agree that you have read the policy and shall be bound by the terms of this privacy policy and the applicable terms of service. While accessing or using our platform/products/services you have given explicit consent to the collection, transfer, use, processing, storage, disclosure, and sharing of your information (including sensitive personal information) as described and collected by us in accordance with this Policy, as may be amended from time to time by us at our discretion. If you do not agree with the Policy, please do not use or access the Kloverbuy.com Platform.

1. By visiting our Platform or by providing your information, you consent to the collection, use, storage, disclosure and otherwise processing of your information (including sensitive personal information) on our Platform in accordance with this Privacy Policy. If you disclose to us any personal information relating to other people, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy. You, while providing your personal information over our Platform or any of our partner Platform or establishments, consent to us (including our affiliates, lending partners, technology partners, marketing channels, business partners, vendors, service providers and other third parties) to contact you through SMS, instant messaging apps, call and/or e-mail for the purposes specified in this Privacy Policy.
2. If you are vendors, you can add or update certain information in vendor’s module, update your account information by accessing your vendors Account Information, and adjust your e-mail or other communications you receive from us by updating your Notification Preferences.
3. If you disclose to us any personal information relating to other people, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.
4. You also agree and consent to us collecting, storing, processing, transferring, and sharing your personal information (including sensitive personal information) with third parties or service providers for the purposes set out in this Privacy Notice.
5. You can add or update your Personal Information on regular basis.
6. You may, of course, decline to submit Personally Identifiable Information in which case we may not be able to provide certain services to you. If you do not agree with our Privacy Policy or Terms of Service, please delete your account and uninstall the mobile application; your continued usage of the kloverbuy.com Service will signify your assent to and acceptance of our Privacy Policy and Terms of Service. To protect your privacy and security, we take reasonable steps (such as SMS authentication in certain cases) to verify your identity before registering your mobile phone number and granting you access to our Services. Please contact our customer care (contact@kloverbuy.com) via call back in regards to any questions or comments about this Privacy Policy, your personal information, your consent, or your opt-in or opt-out choices.
7. If you do not wish to consent or later on withdraw your consent, kloverbuy.comreserves its right not to provide goods/services for which the said information was sought. Consent shall be obtained (in writing/electronically) from You before or at the time of collecting personal information or as soon as practical thereafter.

With your consent, we may have access to your SMS, instant messages, contacts in your directory, location, camera, photo gallery and device information. We may also request you to provide your PAN, GST Number, Government issued ID cards/number and Know-YourCustomer (KYC) details to: (i) check your eligibility for certain products and services including but not limited to credit and payment products; (ii) issue GST invoice for the products and services purchased for your business requirements; (iii) enhance your experience on the Platform and provide you access to the products and services being offered by us, sellers, affiliates or lending partners. You understand that your access to these products/services may be affected in the event consent is not provided to us.

You, while providing your personal information over the Platform or any partner platforms or establishments, consent to us (including our other corporate entities, affiliates, lending partners, technology partners, marketing channels, business partners and other third parties) to contact you through SMS, instant messaging apps, call and/or e-mail for the purposes specified in this Privacy Policy.

From time to time, we may send you emails with promotional offers and messages. If you would no longer like to receive emails with promotional offers and messages from this Site, you can unsubscribe from these emails by following the unsubscribe link located at the bottom of each promotional email. Please note that you may still receive transactional notices in email or other non-promotional emails (e.g. order confirmations, shipping notices, account statements, or important information regarding a product you have purchased) which will not have an unsubscribe link as they are not marketing emails.

This policy governs each website, mobile site, application, and/or other service, regardless of how distributed, transmitted, published, or broadcast provided by kloverbuy.com and/or its affiliates that links to this policy, which is binding on all those who access, visit and/or use our Services. This policy shall apply equally to all contractors, suppliers, customers, users, sellers vendors, service providers, subcontractors, partners, agents, representatives, employees, and any other third parties working on behalf of kloverbuy.com or accessing or using our platforms/service. It applies to all data that kloverbuy.com holds relating to identifiable individuals, even if that information technically falls outside of the Privacy & Data Protection law.

LINKS TO OTHER WEBSITES

The kloverbuy.com Platform may contain links to other websites. Any personal information about you collected whilst visiting such websites is not governed by this Policy. Kloverbuy.com shall not be responsible for and has no control over the practices and content of any website accessed using the links contained on the kloverbuy.com Platform. This Policy shall not apply to any information you may disclose to any of our service providers/service personnel which we do not require you to disclose to us or any of our service providers under this Policy.

INFORMATION THAT WE COLLECT FROM YOU

In the course of carrying out its various functions and activities, kloverbuy.com collects information from individuals & third parties and generates a wide range of information which is stored at our platform. These information can take many different forms, such as, corporate records, financial records, legal records, contracts, letters received from third parties, personnel/employees records, invoices, completed application forms, contact lists, email communications and attachments, photos etc.,. kloverbuy.com collects information in order to provide and continually improve its products & services. The information may be collected online or offline. Regardless of the collection method, the same privacy protection shall apply to all data/information including personal information.

We collect the following categories of personal information, but not limited to, in order to provide products and services to you, to communicate with you, to enhance our products, services, and operations, and for other operational, legal, and compliance purposes:

Identification information : Information that can be used to identify you, such as your name, age, date of birth, gender, alias, billing/delivery/workplace/residential address, zip code, lifestyle information, phone number, email address, personal description, feedback, comments, discussions, chat, offers, opinions, social media interaction, profile photograph, information provided by social networks, responses to user surveys and polls, your preference in receiving marketing information from us and our third parties, information provided by third parties, communication preferences, fraudulent or criminal activity related to your account, payment information, signatures, profession, educational qualification, demographic and work details, designation, city, country, website, Name, addresses & phone numbers, e-mail IDs of friends and other people listed in Addresses, Content of reviews and e-mails to us, credit usage, login detail, device log files etc., business details including credit usage, corporate and financial information, device log files and configuration, Information and officially valid documents (KYC regarding identity and address information, mobile & landline number, place of business, GST name and number, valid Email id, vendor’s photo, id & address proof such as Aadhar card, Pan Card, Voter Id Card, Passport, Shop and Establishment Certificate, etc.,.), business description etc., while using our platform or other similar personal/business related information and identifiers. We may also collect online identifiers, such as your IP address, Login details, email address, and password, device log files, location of device/computer, content interaction information, downloads, streaming of video, network details, device metrics, application usage, connectivity data, and any errors or event failures, our Services metrics, any technical errors, interactions with our service features and content, settings preferences and backup information, file name, dates, times etc while using kloverbuy.complatform or services, content use history, URLs including date & time; products & contents viewed or searched for; page response times, download errors, length of visits to certain pages, and page interaction information, device identifiers, cookies, browsing history, usage history, and/or other technical information. when you browse our websites or use our applications. We may collect government-issued ID for certain types of transactions but please provide government-issued ID information only if we ask you to.

Sensitive personal information : Such as precise geolocation and payment card information. We use the information to provide goods or services you request (e.g., with your consent, we use precise geolocation to calculate the time required to deliver a product/service or time required for a store pickup so the products are ready for you upon your arrival). We may also use the information so that we can provide relevant products or services to you. In addition, where permitted by law, we use the information to prevent, detect, protect against, or respond to security incidents, identity theft, fraud, and illegal activities.

Device Information : In order to improve your experience on our website and mobile application and lend stability to our services to you, we may collect information or employ third party plugins that collect information about the devices you use to access our Services, including the hardware models, operating systems and versions, software, file names and versions, preferred languages, unique device identifiers, advertising identifiers, serial numbers, device motion information, mobile network information, installed applications on device and phone state. The information collected thus will be disclosed to or collected directly by these plugins and may be used to improve the content and/or functionality of the services offered to you. Analytics companies may use mobile device IDs to track your usage on the kloverbuy.com Platform.

Commercial information :To better understand, protect and serve our users we may track your buying behaviour, preferences, Information about your purchase preferences directly from you (whether online or offline) or from vendors such as public databases, social media platforms, data append services, and other information you choose to provide on kloverbuy.com platform. About products or services you purchased or considered to purchase. In addition, we may collect information (such as your interests, hobbies, and lifestyle choices; groups with which you are affiliated; and products you want, like, or own) from you as you use this site and when you choose to provide this information to us through any interaction with this Site or otherwise. We use this information to do internal research on our users' demographics, interests, and behaviour and thereby to deliver better service.This information is compiled and analysed on an aggregated basis. This information may include the URL that you just came from (whether this URL is on our Platform or not), which URL you next go to (whether this URL is on our Platform or not), your computer browser information, and your IP address.

Online activities information : Such as browsing history, search history, and other information when you interact with our websites, applications, and advertisements. We, and our third-party partners, may also use analytics tools to collect information about your keystroke activity and rhythms, mouse movements, scrolling and clicks when you use our websites or mobile applications.

Geolocation data : Including precise geolocation data if you allow our application to collect it for purposes such as helping you locate the nearest store, our delivery partners locate the delivery location or alerting our stores when you are on the way to pick up your orders, or for analytic purposes.

Audio, electronic, video or image information : Such as audio or video recording when you call us, images, videos and other content collected or stored in connection with our Services, video monitoring when you come to our stores, or photos taken when we are working on your project to document progress or completion. When legally permitted, after detecting a security incident to investigate, we may also use image scan technology on images we previously captured of an individual(s) suspected of being responsible for a security incident to aid our investigation and prosecution.

Professional or employment-related information : Such as information about you as representatives of our customers and business partners, in connection with our services and the operation of our business, including business contact information, job title, company name, and office visitor access information, where applicable.

Information from third party and other sources : From time to time, we may receive information about you from third parties and other users, for example we may obtain information from our suppliers, resellers, marketing partners, and other business partners or from other members of your company or organisation. We may obtain information from third parties to enhance or supplement our existing user information. For example we may obtain mailing address information or we may work with third party partners who help us determine a location based on your IP address so that we are able to customize content for your location. Additionally to updated delivery address from our delivery partners or other third parties, internet connected device details, search results, links, information about store visits and interaction with vendors, account information, purchase or redemption information and page-view information from some merchants/partners for which we provide technical, advertising or other services. Corporate & financial information about our co-branded partners, delivery partners, and other third party associated with us. CIN Number, PAN Number, GSTN Number, Location information and address information. We may combine this information with the information we collect from you directly. We use this information to contact you, to send you advertising or promotional materials or to personalise our Service, to pre-populate online forms, and to better understand the demographics of our users.

We may link or combine your activities and information collected from you on our websites and mobile apps with your store purchases and information we receive from third parties, as well as information we collect automatically through tracking technologies. This allows us to provide you with a personalised experience regardless of how you interact with us - online, store, on mobile or social media.

COOKIES

Our Platform and third parties with whom we partner, may use cookies, pixel tags, web beacons, mobile device IDs, “flash cookies” and similar files or technologies to collect and store information with respect to your use of the Services and third-party websites.

Cookies are small files that are stored on your browser or device by websites, apps, online media and advertisements. We use cookies and similar technologies for purposes such as:
- Authenticating users;
- Remembering user preferences and settings;
- Determining the popularity of content;
- Delivering and measuring the effectiveness of advertising campaigns;
- Analysing site traffic and trends, and generally understanding the online behaviours and interests of people who interact with our services.

A pixel tag (also called a web beacon or clear GIF) is a tiny graphic with a unique identifier, embedded invisibly on a webpage (or an online ad or email), and is used to count or track things like activity on a webpage or ad impressions or clicks, as well as to access cookies stored on users’ computers. We use pixel tags to measure the popularity of our various pages, features and services. We also may include web beacons in e-mail messages or newsletters to determine whether the message has been opened and for other analytics. To modify your cookie settings, please visit your browser’s settings. By using our Services with your browser settings to accept cookies, you are consenting to our use of cookies in the manner described in this section.

We may also allow third parties to provide audience measurement and analytics services for us, to serve advertisements on our behalf across the Internet, and to track and report on the performance of those advertisements. These entities may use cookies, web beacons, SDKs and other technologies to identify your device when you visit the Platform and use our Services, as well as when you visit other online sites and services. Please see our Cookie Policy for more information regarding the use of cookies and other technologies described in this section, including regarding your choices relating to such technologies.

INTERNET BASED ADVERTISING AND OTHER TARGET ADS

We collect data about your activities on our websites and applications for use in providing tailored advertising, and we may share information about activities on our websites with advertising networks administered by third parties. These ad networks track your online activities over time and across websites by collecting information through automated means, and they use this information to show you advertisements that are tailored to your individual interests. As a result, you may see certain ads on other websites based on prior activities on our websites and vice versa. We may also combine information about your online activities with your store purchases to provide better services. We may also utilise third-party services that may allow us to associate your online or store transaction data, operating system, user-agent string, IP address, internet browser, installed fonts and similar information with a pseudonymized ID, which can then be used to target kloverbuy.com's advertising to you on other websites and online platforms.

To provide you with a consistent shopping experience, we may also associate various devices you utilize (e.g., smartphones, tablets and desktop computers) by using the information we collect about you. We may combine information we collect from your devices with other information we have about you, such as your account information, your interaction with our sites, apps and services and your transaction history. For more information, visit www.aboutads.info/choices.

LINK TO OTHER SITES

The platform may contain links to other third party websites. Any personal information about you collected whilst visiting such websites is not governed by this Policy. Kloverbuy.com shall not be responsible or liable for and has no control over the policies, practices and content of any website accessed using the links contained on this Platform. We strongly recommend that you read their privacy policies and terms and conditions of use to understand how they collect, use, and share information. We are not responsible for the privacy practices or the content on the websites of third party sites.This Policy shall not apply to any information you may disclose to any of our service providers/service personnel which we do not require you to disclose to us or any of our service providers under this Policy.

SOURCES OF INFORMATION

We collect different types of information about you from a number of sources, including information you provide to us, information we automatically collect, information we obtain from other sources (specified below), and information we derive or infer about you.

Information you provide : We receive and store any information you provide in relation to kloverbuy.com platform. For example product search, add/remove products in cart, questionnaire, customer care (contact@kloverbuy.com) communication, create an account or profile, submit personal information to us along with any related content of the communication, use our services or carry out activities related to our services, interact with us through our services, such as accessing, or using our Services, enter a promotion, user poll, online survey, report a problem with our platform services, contact us, give feedback, submit a testimonial or rating or review or other user-generated content that may be posted, enable us to send marketing communications,Conduct a transaction where we collect personal information, including when required by law and regulations. You can choose not to provide certain information, however by doing so you might not be able to make best use of services offered by kloverbuy.com Types of information provided by you are identification information, commercial information, your preferences and inferences, professional or employment related information, geolocation data, education information (details of these terms can be found in the section “INFORMATION THAT WE COLLECT FROM YOU” ) and other personal information such as your medical data and insurance information.

Automatic information : We automatically collect and store certain types of information about your use of the kloverbuy.com platform by automated means online and offline, including information about your interaction with content and services available on our website and mobile application. When you use our websites or mobile applications,kloverbuy.com and our partners may collect certain information by using cookies, web beacons, pixel tags, server logs and other similar technologies ( more information can be found in the “cookie usage” section). We may also receive technical data about you if you visit other websites or apps that employ our cookies. We use cookies and other unique identifiers, and we obtain certain types of information when your web browser or device accesses our platform. When you visit our store or call our customer care (contact@kloverbuy.com) hotline, we may collect audio or video information.

As described under the “INFORMATION THAT WE COLLECT FROM YOU” section, we collect identification information (e.g., your IP address, device ID, cookie ID, mobile advertising identifier, or pixel identifier), online activities, geolocation data, and audio, electronic, video or image information via automated means

Information from other sources : We might receive information about you from other sources such as Identification information (We may collect your contact information from our affiliates, acquired businesses, business partners, public sources or other individuals, such as through “Refer a Friend” programs or if someone purchases a product and asks that it be delivered to you or Other customers that may provide us with your information to recommend a product or service, ship products to you, or list you as a recipient of products or services), commercial information ( We may obtain your commercial information, such as your purchase history, from our affiliates, acquired businesses or business partners), preference information, sensitive personal information, professional or employment-related information, education background, and geolocation information (We may collect inferences or preference information about you from business partners, such as data analytics or survey vendors. We may use such information to conduct aggregated analyses of our customer composition, and we may collect your interest and preference information to recommend products or services that may interest you. We may also learn about your preferences from public sources, such as information you submit in a public forums or social media platforms (e.g., a customer review, product review, employer review etc.,). We may also receive information from you from various third parties such as Companies that provide services on our behalf, Marketing companies that help us learn about our customers and the devices they use to access digital content, Companies that supplement our customer records with additional information, Shipping providers that update address information, Social media platforms, Advertising companies and content publishers that present you with our ads, Payment and transaction processors, Communications and mailing vendors. It includes, but not limited to, personal data from affiliated entities, information such as technical data from analytics providers such as google and other advertising networks, identity, profile related data, contact data from service providers or professionals, public sources etc.,

We, either through third party service provider or by our own, collect the Know-YourCustomer (KYC) related document from you. KYC related documents include but not limited to, driving licence, proof of possession of Aadhaar number, the Voter's Identity Card, Pan Card, GST, Passport, job card issued by NREGA (duly signed by an officer of the State Government and letter issued by the National Population Register containing details of name and address). If OVD (officially valid documents) furnished by you don’t have an updated address, then in addition to OVD, we may also collect the utility bill (electricity, telephone, post-paid mobile phone, piped gas, water bill) not more than two months old, property or Municipal tax receipt; pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector. If you are Sole Proprietary firms, we may collect the documents which include, (a) Registration certificate; (b) Certificate/licence issued by the municipal authorities under Shop and Establishment Act. (c) Sales and income tax returns. (d) GST certificate (provisional/final). (e) Utility bills such as electricity, water, landline telephone bills, etc., or, the documents relating to proof of business/activity. We may also conduct verification and collect such other information and clarification as would be required to establish the existence of your firm, as per our satisfaction. If you are Legal Entities, we may collect the documents which includes, (a) Certificate of incorporation; (b) Memorandum and Articles of Association; (c) Permanent Account Number of the company; (d) Board resolution & power of attorney granted to its managers, officers or employees to transact on its behalf or Documents relating to beneficial owner. If you are partnership firm, we may collect the documents which include, (a) the certified copies Registration certificate; Partnership deed; Permanent Account Number of the partnership firm and Documents relating to beneficial owner, managers, officers or employees. If you are Trust, we may collect the documents which include, (a) the certified copies Registration certificate; Trust deed; Permanent Account Number or Form No.60 of the trust and Documents relating to beneficial owner, managers, officers or employees. If you are unincorporated association or a body of individuals, we may collect the documents which include, (a) the certified copies Resolution of the managing body; Permanent Account Number or Form No.60 of the unincorporated association or a body of individuals and Documents relating to beneficial owner, managers, officers or employees. We, either through third party service provider or by our own, may also undertake Video based Customer Identification Process (V-CIP) in Compliance of KYC policy of RBI. The Personal Information is used for three general purposes: to customize the content you see, to fulfil your requests for certain services, and to contact you about our services via including but not limited to email's, sms’s and other means of communication. Where possible, we indicate which fields are required and which fields are optional. We collect the personal information voluntarily provided by you while accessing or using our platforms/service. We also collect data (on regular basis) from various sources such as newspaper, visiting cards, pamphlets, magazines and journals (including both free and pay), by appointment of data collectors etc.,

Information derived or generated : Information such as Inferences or preference information about you. We may generate or derive some information about you through manual or automated means based on other information we collect. For instance, we may analyse your information and infer your shopping preferences to provide tailor made recommendations to you. We may also conduct analyses based on aggregated or deidentified information. We may connect information we collect about you from the means described above if we can identify you as a kloverbuy.com customer, so that we can provide a personalised experience regardless of how you interact with us.

Additionally, We will occasionally ask you to participate in optional surveys conducted either by us or through a third-party market research agency. These surveys may ask you for personal information, contact information, date of birth, demographic information (like zip code, age, or income level), attributes such as your interests, household or lifestyle information, your purchasing behaviour or history, preferences, and other such information that you may choose to provide. The surveys may involve collection of voice data or video recordings, the participation of which would purely be voluntary in nature. We may use this data to tailor your experience on our platform, providing you with content that we think you might be interested in and to display content according to your preferences.

HOW DO WE USE YOUR INFORMATION

We use your personal information for various business or commercial purposes, including, but not limited, to operate, provide, develop and improve products and services, to fulfil products and services that we offer, to communicate with you, to support and enhance our business functions and for other legal, compliance and security purposes. We may use all of the categories of information described under “INFORMATION THAT WE COLLECT FROM YOU” section in achieving those purposes. These purposes include :

Purchase and delivery of products and services. We use your personal information to take and fulfil orders, deliver products and services, process payments and records, track your purchases, payments, to manage returns and exchanges and communicate with you about orders, products and services, and promotional offers. Help you find store locations near you

Provide, troubleshoot, and improve Services. We use your personal information to provide functionality, analyse performance, fix errors, Identify the devices you use to access digital content, identify and verify your identity when needed to access our systems, to carry out academic research with academic partners, to conduct research and internal analytics, develop new products and services, perform market research and data analytics and analyse our products, services, websites, and applications and improve the usability and effectiveness of the platform and services.

Recommendations and personalisation. We use your personal information to learn about customer trends and interests, to recommend features, offers and promotions, reward and cash back programs, products and services that might be of interest to you, to identify your preferences, and personalise your experience on our platform, to customise your experiences in our website and mobile applications, including customised advertisements and offers, to send notifications about order updates, promotions, offers and to improve our business and delivery models.

Communicate with you. We use your personal information to communicate with you through various channels ( for example: by phone, e-mail, chat), to send transactional or promotional information, such as transaction confirmation and reminder, newsletters, coupons, and other messages etc., in relation to our Services, to evaluate and respond to your requests, reviews, comments, inquiries, applications and other feedback you provide us.

Advertising. We use your personal information to display interest-based ads for features, products, and services that might be of interest to you. We do not use information that personally identifies you to display interest-based ads. Additionally, we use your personal information to display banner-ads related to you. Conduct and administer contests, surveys, and sweepstakes. Determine and manage the effectiveness of our advertising and marketing campaigns.

Comply with legal obligations. In certain cases, we collect and use your personal information to comply with laws, Comply with and enforce applicable legal requirements, industry standards and our policies and terms, such as our Terms of Use, Assist law enforcement and respond to regulatory inquiries, For instance, we collect from sellers information regarding place of establishment and bank account information for identity verification and other purposes.

Fraud Prevention and Credit Risks. We use personal information to prevent and detect fraud and security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and abuse in order to protect the security of our customers, our brand, and others.

Your personal Information will be kept confidential and will be used for our research, marketing, and strategic client analysis objectives and other internal business purposes only. We do not sell Personal Information. If you are a customer of our services, your Information shall be shared with our subscribers/advertisers and you shall be given consent to the same. Further, the subscribers / advertisers who are listed with us, may call you, based on the query or enquiry that you make with us, enquiring about any Product / Service or Product / Service of any subscriber / advertiser. If you are a vendor/seller/ business entity availing our services, your information shall be shared with our users, customers, callers, subscribers/advertisers who are seeking our services. You are hereby giving us the consent to share the details.

We use your personal information to assist vendors, service providers, and business partners in handling and fulfilling orders; enhancing customer experience; resolve disputes; troubleshoot problems; help promote a safe service; collect money; measure consumer interest in our products/services; inform you about offers, products, services, and updates; customise and enhance your experience; detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection of information.

With your consent, we will have access to your SMS, contacts in your directory, location and device information. We may also request you to provide your PAN, GST Number, Government issued ID cards/number and Know-Your-Customer (KYC) details to: (i) check your eligibility for certain products and services including but not limited to credit and payment products; (ii) issue GST invoice for the products and services purchased for your business requirements; (iii) enhance your experience on the Platform and provide you access to the products and services being offered by us, vendors, sellers, service providers, affiliates or lending partners. You understand that your access to these products/services may be affected in the event consent is not provided to us.

In our efforts to continually improve our product and service offerings, we and our affiliates collect and analyse demographic and profile data about our users' activity on our Platform. We identify and use your IP address to help diagnose problems with our server, and to administer our Platform. Your IP address is also used to help identify you and to gather broad demographic information.

We have arrangement with other companies and individuals to perform functions for examples include analysing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments and providing customer service etc. They have access to personal information needed to perform their functions, but may not use it for other purposes. Further, they must process the personal information in accordance with this Privacy Policy and as permitted by applicable law. In certain cases, we collect and use your personal information to comply with laws. For instance, we collect from vendors/seller’s information regarding place of establishment and bank account information for identity verification and other purposes.

If you submit Personally Identifiable Information to us then we use your personal information to operate, maintain, and provide to you the features and functionality of the our Service. In particular, your mobile phone number is essential to use our services. We do not use your mobile phone number or other Personally Identifiable Information to send commercial or marketing messages without your consent or except as part of a specific program or feature for which you will have the ability to opt-in or opt-out.

DISCLOSURE AND DISTRIBUTION OF INFORMATION

We share your personal and other information collected with unaffiliated entities specifically, to conduct business with service providers and business partners, comply with legal requirements, transfer and grow our business.

Service providers and business partners : We may disclose your personal information to companies or vendors or or consultants or distributors or suppliers or sellers or contractors or individuals, marketing partners, research firms, other service providers or business partners, such as Payment processing companies, to support our business third party delivery services, first party delivery services, who are onboard kloverbuy.complatform to sell their goods and services and to those that provide various services to us in areas, such as installation, repair, warranty, order processing and fulfilment, information technology, marketing, customer service, data analytics, research and enhancement, fraud prevention, and legal, compliance and risk management. These companies may need access to information about you in order to perform their functions but are generally not authorised to use the information we disclose to them for any other purpose. In limited cases, we may disclose information about you to a third party who may also use the information for their own specific purposes. For instance, we may provide your information to a supplier in connection with product warranty or safety issues, to a business partner who is jointly providing or promoting a product or service to you, or to a social media or online advertising technology company to serve tailored commercial information to you. For example, your information may be shared with outside vendors to send you emails and messages or push notifications to your devices in relation to our Services, to help us analyze and improve the use of our Services, to process and collect payments. We also may use vendors for other projects, such as conducting surveys or organizing sweepstakes for us. If you have provided your email and phone number kloverbuy.com may send you messages regarding the order.

If you are a delivery partner, we may share your name, phone number and/or profile picture (if applicable), tracking details with other users to provide them the Services.

Legal and security : We may disclose information about you (1) if we believe we are required to do so by law, regulation, legal process or in the good faith belief that such disclosure is reasonably necessary to respond to such as a court order or subpoena; (2) as we deem appropriate or necessary in response to requests by government agencies, such as law enforcement authorities or tax authorities; (3) when we believe disclosure is appropriate or necessary to protect the rights, property or safety of our customers or companies or others, including to prevent physical, financial or other harm, injury or loss or to collect debt you owe; or (4) in connection with an investigation of suspected or actual unlawful activity; (5) when we are obligated under the applicable laws or in good faith to respond to court orders and processes; or (6) when we are detecting and preventing against actual or potential occurrence of identity theft, fraud, abuse of Services and other illegal acts; (7) when we are responding to claims that an advertisement, posting or other content violates the intellectual property rights of a third party; (8) Under a duty to disclose or share your personal data in order to enforce our Terms of Use and other agreements, policies or to protect the rights, property, or safety of the Company, our customers, or others, or in the event of a claim or dispute relating to your use of our Services. (9) for purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences. This includes exchanging information with other companies and organisations for the purposes of fraud detection and credit risk reduction.

Sale or transfer of assets or business : We reserve the right to transfer personal information we have about you in the event we sell, transfer, merger, acquisition all or a portion of our business or assets (including, without limitation, in the event of a reorganisation, dissolution or liquidation) or by operation of law or otherwise, and we may transfer your information to any of our affiliates, successor entities, or third party while providing the services subject to the pre-existing Privacy policy.

Internal use : We may share your information with any present or future member of our company or affiliates for our internal business purposes.

Personal Information Disclosed for Business Purposes : We disclose all of the categories of personal information described under “INFORMATION THAT WE COLLECT FROM YOU” section for business purposes, including fulfilling products, services and transactions, facilitating customer communication and outreach, enhancing our products, services and operations, and complying with legal, compliance, law enforcement and security requirements. Examples of the types of vendors we disclose personal information to for these purposes include analytics and research vendors, installation, repair and warranty services companies, order processing and fulfilment vendors, fraud prevention, legal, compliance and risk management vendors, information technology vendors, financial institutions, and marketing and advertising vendors.

Personal information shared with Third parties : We share your personal information with digital advertising partners for purposes including online targeted marketing and measuring the effectiveness of such marketing. Certain digital advertising partners combine the information into a customer profile. We may also disclose your information to our vendors, suppliers, sellers, distributors, technicians, servicemen, contractors, business partners and other stakeholders for delivering their goods and services, for marketing their products and services and for business growth. We may also disclose your information to service companies, financial institutions, marketing and advertising networks, social media, fraud prevention vendors etc., who may use it for additional relevant marketing purposes and other purposes relevant to the products or services on the platform. This disclosure may be required for us to provide you access to our products and services; for fulfilment of your orders; for enhancing your experience; for providing feedback on products; to collect payments from you; to comply with our legal obligations; to conduct market research or surveys; to enforce our Terms of Use; to facilitate our marketing and advertising activities; to analyse data; for customer service assistance; to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our product and services, sending postal mail and e-mail, removing repetitive information from customer lists, analysing data and links (including paid listings and links), processing payments, transmitting content, scoring, assessing and managing credit risk, and providing customer service. We do not disclose your personal information to third parties without your explicit consent. These third-party service providers may have access to personal information needed to perform their functions, but may not use it for other purposes. Further, they must process the personal information in accordance with applicable law.These third parties may use cookies, JavaScript, web beacons (including clear GIFs), Flash LSOs and other tracking technologies to measure the effectiveness of their ads and to personalise advertising content to you. While you cannot opt out of advertising on the kloverbuy.com Platform, you may opt out of much interest-based advertising on third party sites and through third party ad networks (including Facebook Audience Network and Google AdSense). For more information, visit www.aboutads.info/choices. Opting out means that you will no longer receive personalised ads by third parties ad networks from which you have opted out, which is based on your browsing information across multiple sites and online services. If you delete cookies or change devices, your opt out may no longer be effective. We may share your information other than as described in this Policy if we notify you and you consent to the sharing.

If you are a vendor or seller or supplier or distributor or contractor or technician or serviceman selling goods or services on kloverbuy.com then users may see your received ratings. For example, a rating of "ABC hardware" on kloverbuy.com will be available to every user accessing the kloverbuy.com platform. For more information on this feature, please refer paragraphs above.

We share information with our affiliated companies, business partners, associates etc with whom we are having an arrangement to provide/receive services. We may use the information we receive from them, and they may use the information we share with them, to help operate, provide, improve, understand, customise, support, and market our Services and their offerings. This includes helping improve infrastructure and delivery systems, understanding how our Services or theirs are used, securing systems, and fighting spam, abuse, or infringement activities and promoting, marketing of business.

kloverbuy.com shall share/disclose the data/information, without obtaining prior consent from You, with Government agencies mandated under the law to obtain information including sensitive personal data or information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences.

OPT OUT

By visiting our Platform or by providing your information, you consent to the terms of this privacy policy and to the use and management of personal information by kloverbuy.comYour consent allows us in collection, use, storage, disclosure and otherwise processing of your information (including sensitive personal information) on our Platform in accordance with this Privacy Policy. If you disclose to us any personal information relating to other people, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy. You, while providing your personal information over our Platform or any of our partner Platform or establishments, consent to us (including our affiliates, lending partners, technology partners, marketing channels, business partners, vendors, service providers and other third parties) to contact you through SMS, instant messaging apps, call and/or e-mail for the purposes specified in this Privacy Policy.

When you sign up for an account, you are opting in to receive emails from kloverbuy.com. It is required to enable us to gather your information for you to take complete advantage of the products and services offered by us. By opting in you will receive information about your purchases and other related information that could be of your interest, marketing and promotions, certain administrative notices, service notices, or legal notices from kloverbuy.com

To protect your privacy and security, we take reasonable steps (such as SMS authentication in certain cases) to verify your identity before registering your mobile phone number and granting you access to our platform. Please contact customer care (contact@kloverbuy.com) with any questions or comments about this Privacy Policy, your personal information, your consent, or your opt-in or opt-out choices.

If you wish to withdraw your consent for the use and disclosure of your personal information in the manner provided in this Policy or you want your data to be deleted, please contact us through the customer support. Please note that we may take time to process such requests, and your request shall take effect no later than 15 (Fifteen) business days from the receipt of such request, after which we will not use your personal data for any processing unless required by us to comply with our legal obligations. We may not be able offer you any or all Services upon such withdrawal of your consent.

Should this Policy change, kloverbuy.com intends to take every reasonable step to ensure that these changes are brought to your attention by posting the updated Privacy Policy on the Website. Your visit and any dispute over privacy are subject to this Privacy Policy. The said Privacy Policy shall be governed by and construed in accordance with the laws of such jurisdictions as that of your country of residence.

You may always submit your concerns regarding this privacy policy by reaching to our customer care (contact@kloverbuy.com). We shall endeavour to respond to all reasonable concerns and inquiries.

SECURITY

When you place orders on our websites or through our mobile applications, all of your order information, including your credit card number/debit card/net banking/ UPI and delivery address, is transmitted through the Internet using Secure Sockets Layer (SSL) technology. SSL technology causes your browser to encrypt your order information before transmitting it to our secure server. SSL technology, an industry standard, is designed to prevent someone other than operators of our websites from capturing and viewing your personal information.

While we use industry standard means to protect our websites and your information, the Internet is not 100% secure. The measures we use are appropriate for the type of information we collect. We cannot promise that your use of our websites or mobile applications will be completely safe. We encourage you to use caution when using the Internet. Online access to your personal information is protected with a password you select. We strongly recommend that you do not share your password and that you use unique passwords for all of your online accounts. In the event your password has been compromised in any manner whatsoever, you should promptly notify us to to initiate a change of password.