We, at Kalp Digital Infra (“we”, “We”, “Us”, “us”, “KALP”, “our”), endeavor to maintain strict adherence to data privacy of every individual. In our endeavor to guard such privacy, we inculcate stringent data privacy measures that are in accordance with the applicable laws. This Policy enshrined by us would govern the matters of collection, storage, retention, processing and disclosure of Personal Information. By visiting our website or downloading our any product’s application (*) (“Platform”), you (“You”, “you”, “user”) agree and acknowledge to be bound by this Policy and you hereby consent to allow us to collect, store, process and share your Personal Information in the manner set out in this Policy.
When you use our services, you trust us with your Personal Information. We’re committed to keeping that trust, and that starts with helping you understand our privacy practices. Our Policy sets the foundation for how we approach privacy at Kalp.
For your convenience, Personal Data and Sensitive Personal Information shall be collectively referred to as “Personal Information”.
The objective behind enacting this Policy is to ensure strict compliance with the prescribed standards of data privacy with regards to Personal Information. This Policy is in compliance with the Information Technology Act, 2000 (“IT Act”) to provide you with a reasonable standard of protection and assurance of safety with regards to your Personal Information. Through this Policy, we seek to create a protective and secure environment for dealing with your Personal Information.
⦁ We may collect your Personal Information when you use our services through the Platform or otherwise interact with us. We collect Personal Information which is relevant and absolutely necessary for providing the services requested by you and to continually improve our services.
⦁ Information collected from you during on-boarding: We may collect, receive, and store your Personal Information that we require to register you on our platform and may perform your KYC in order to ensure our compliance with the applicable laws.
⦁ We may receive Personal Information about you from third parties that offer their products and/or services for use in conjunction with our Platform or whose products and/or services may be linked with our Platform. While we process such data in accordance with this Policy, we do not make any representations or assurances of the method and processing of your Personal Information by such third parties such as third-party wallet providers, merchants, service providers, payment aggregators and gateways etc.
⦁ Collection and processing of browser cookies: “Cookies” are small files containing data which are automatically generated by any browser you are using to access the Platform. These small data files do not directly contain any Personal Information but data about your usage of the browser. We collect and use cookies only for the purposes of improving your interface experience. For example we use cookies to allow you to enter your password less frequently during a session. Cookies can also allow us to provide you with targeted information in line with your interests. We also use cookies to statistically record your use of our services on the Platform, and to evaluate that use for the purpose of optimizing the services provided on the Platform.
⦁ We may use your Personal Information for the following purposes:
⦁ We may pseudonymize and/or anonymous your Personal Information to analyze and track usage patterns that shall aid us in improving our Platform. Be assured that such pseudonymized and anonymized data cannot be used to identify you in any manner.
⦁ We may share your Personal Information within our company, strictly on a “need-to-know” basis. Our employees, IT team, representatives, subsidiaries shall use such information in consistence with the Agreed Purposes for which the information was originally collected or subsequently authorized by you. We will not disclose Personal Information for any other purposes except for the Agreed Purposes, or with the user’s explicit consent, or with a legitimate interest or legal reason for doing so and where it is permitted by applicable laws. In each instance, the disclosed Personal Information will be strictly limited to what is necessary and reasonable to carry out the Agreed Purposes.
⦁ The Personal Information that you share with us might be shared with our agents, contractors, affiliates, and service providers such as external data processors (“Third Parties”) for the Agreed Purposes, for e.g., we might use a third-party KYC agency for performing user-identification and on-boarding. Such Personal Information shall be shared with these Third Parties as the Platform is supported by their services and without having the necessary information, such service providers and affiliates will not be able to assist us in a manner to discharge our obligations towards you. However, be assured, we ensure that the Third Parties have adequate safeguards and adhere to data privacy norms not less stringent that those of our Policy and the applicable data protection laws. When engaging Third Parties, we enter into agreements with appropriate contractual clauses for protection of Personal Information including requirements to process the Personal Information only in accordance with provisions of applicable laws, instructions from us and to take appropriate technical and organizational measures to ensure that there is no unauthorized or unlawful processing or accidental loss or destruction of or damage to your Personal Information.
⦁ Further, you shall always have the right to know which Third Parties are having access to your Personal Information. You may exercise this right by writing to us at .
We take reasonable security measures to protect Personal Information against loss, misuse, unauthorized or accidental access, disclosure, alteration and destruction. We have implemented policies and maintained appropriate technical, physical, and organizational measures and followed industry practices and standards in adopting procedures for securing and implementing systems designs and protecting Personal Information from unauthorized access, improper use, disclosure and alteration.
We strive to not knowingly collect Personal Information from any person below the age of 18. Our terms and conditions strictly restrict the access of minors to our Platform without the explicit consent of the parent or the guardian. However, if you are a parent or guardian of a minor who has provided us his/her Personal Information without your consent, kindly let us know by writing to our grievance officer at .
Our Platform may contain links to third-party websites which are not our authorized Third Parties. When you click on a link to any other website or location, you will leave our Platform and go to another site, and another entity may collect your Personal Information. We have no control over and we do not review, and cannot be responsible, for these third-party websites or their content. Please be aware that the terms of this Policy do not apply to these third-party websites or their content, or to any collection of your Personal Information after you click on links to such third-party websites. We encourage you to read the privacy policies of every website you visit. Any links to third-party websites or locations are for your convenience and do not signify our endorsement of such third parties or their products, content, or websites.
In order to communicate with you and keep you informed about all our developments, products, events and promotions, we may periodically send you newsletters, emails, messages and app/website notifications. Such communication is not mandatory for you to access our Platform and we provide you with the opportunity to opt-out of receiving any such non-essential communications. If you wish to opt-out, please click on the unsubscribe button on the Platform and the emailers.
⦁ If you are a user who is subject to the General Data Protection Regulation (“GDPR”) (specifically for users situated in European Union/European Economic Area), you provide your consent to allow us to process your Personal Information in accordance with this Policy.
⦁ However, with the aim to provide such users with the rights that they have under the GDPR, we specifically allow such users to have certain additional rights associated with their Personal Information.
If you are a user situated in the areas under the applicability of GDPR, you have the right to:
If you wish to exercise any of the rights mentioned above or any other legal rights you have under the GDPR regarding the collection, storage and processing of your Personal Information, you may write to us at .
The Platform is being operated and managed from India and is subject to the applicable laws of India. As an international user (located or situated outside of India) certain other data privacy laws of your territory may be applicable on processing of your Personal Information. However, when you access our Platform and provide your Personal Information through any mode whether through cookies or otherwise, you accept and acknowledge that your Personal Information is being processed in accordance with this Policy and the Personal Information may be processed and stored in India or other countries where the applicable provisions may be less stringent than the data privacy laws of your territory.
This Policy may be updated from time to time for any reason. We will notify you of any changes to our Policy by updating the Privacy Policy section within the Kalp Wallet mobile application. The date the Policy was last revised is identified at the beginning of this Policy. You are responsible for periodically checking the Privacy Policy section in the application for any amendments.