PRIVACY POLICY

Samrat Fintech Private Limited

1. Our Commitment to Privacy

At Samrat Fintech Private Limited, safeguarding user trust and protecting personal data are core to our operational philosophy. We are committed to ensuring the confidentiality, integrity, and availability of all information entrusted to us.

We implement robust administrative, technical, and physical safeguards aligned with industry standards and evolving regulatory frameworks. Our systems are designed to mitigate risks such as unauthorized access, data breaches, identity theft, and misuse of sensitive information. We continuously review and enhance our data protection practices to remain compliant with applicable laws and global best practices.

2. Scope of Policy

This Privacy Policy applies to:

• Our website: zoloindia.com
• Mobile and web-based applications
• APIs and integrated services
• Any interaction with our platform, services, or support channels

By accessing or using our services, you agree to the terms outlined in this Policy.

3. Use of Personal Information

We respect your privacy and do not sell, rent, or trade your personal or transactional information.

Your information is used strictly for:

• Providing and maintaining services
• Processing transactions
• Enhancing user experience
• Ensuring platform security and fraud prevention
• Complying with legal and regulatory obligations

We process data only on a need-to-know basis and in accordance with lawful purposes.

4. Collection and Use of Registration Data

During registration and use of our platform, we may collect:

• Identity details (Name, Mobile Number, Email, KYC-related info if applicable)
• Device information (Device ID, OS type, browser details)
• Location data (Latitude/Longitude for transaction validation and fraud detection)
• Transactional and behavioral data

Purpose of Collection:

• Identity verification and authentication
• Fraud detection and risk monitoring
• Service optimization and personalization
• Regulatory compliance (including KYC/AML where applicable)

We may analyze anonymized usage data to improve system performance and user experience.

Limited Sharing:

• Transaction alerts
• OTPs and service communications

All partners are contractually bound by strict confidentiality and data protection obligations.

5. Technical and Usage Information

We automatically collect certain technical data when you interact with our platform, including:

• IP address
• Browser and device type
• Pages visited and session duration
• Access timestamps

This information helps us:

• Improve system performance
• Ensure compatibility across devices
• Detect suspicious activities

We may use trusted third-party analytics providers who:

• Operate under strict data protection terms
• Do not process personally identifiable information
• Use cookies or similar technologies solely for analytics

6. SS

We may disclose user information:

• To comply with applicable laws, regulations, or court orders
• To respond to lawful requests from authorities
• To enforce our terms and policies
• To prevent fraud, security threats, or illegal activities

Such disclosures are made strictly on a need and legal basis only.

7. Data Ownership, Retention, and Deletion

You retain ownership of your personal data.

Your Rights:

• Request access to your data
• Request correction or updates
• Request account deletion

Upon Deletion Request:

• Data will be removed from active systems
• Account access will be revoked

Exceptions:

• Data may be retained where required by law
• Backup data may persist temporarily
• Aggregated/anonymized data may be retained for analytics

Retention periods are determined based on:

• Legal requirements
• Business needs
• Risk mitigation policies

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Enhance user experience
• Store preferences
• Analyze platform usage

Users may control cookie preferences through browser settings. Disabling cookies may impact certain functionalities.

9. Communication and Consent

We send communications based on user consent (opt-in), including:

• Service updates
• Notifications
• Promotional content (where applicable)

Users may opt out at any time.

However, essential service communications (such as OTPs, alerts, and transactional updates) cannot be opted out of, as they are critical to service delivery.

10. Data Security Measures

• End-to-end encryption of sensitive data
• Secure authentication mechanisms (including multi-factor authentication where applicable)
• Firewalls and intrusion detection systems
• Continuous monitoring and threat detection

Infrastructure Security:

• Hosted in secure, access-controlled environments
• Role-based access controls (RBAC)
• Multi-layer authentication for internal systems

All stored data, including backups, is protected using advanced encryption standards.

11. Third-Party Services and Integrations

Our platform may integrate with third-party services (e.g., payment gateways, SMS providers, analytics tools).

We ensure:

• Only necessary data is shared
• Partners follow strict data protection agreements
• No unauthorized use of user data

We are not responsible for the privacy practices of third-party platforms beyond our contractual scope.

12. User Access and Responsibility

• Maintaining confidentiality of login credentials
• Ensuring secure access to their devices
• Reporting suspicious activities immediately

All activities under your account are deemed authorized unless reported otherwise.

13. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect data from minors.

14. Updates to Privacy Policy

We reserve the right to update this Privacy Policy periodically.

• Posted on our platform
• Effective immediately unless stated otherwise

Continued use of services constitutes acceptance of the revised policy.

15. Contact Information

Samrat Fintech Private Limited
Email: info@zoloindia.com

TERMS & CONDITIONS

16. General Disclaimer

All services are provided on an “as is” and “as available” basis without warranties of any kind.

We disclaim:

• Any guarantee of uninterrupted service
• Error-free operation
• Absence of viruses or harmful components

17. Intellectual Property

• Software
• Designs
• Logos
• Trademarks

are owned or licensed by Samrat Fintech Private Limited. Unauthorized use, reproduction, or distribution is strictly prohibited.

18. Acceptance of Terms

• Confirm acceptance of these Terms
• Agree to comply with applicable laws
• Acknowledge responsibility for your actions

19. Platform Overview

• Payment processing
• Financial technology services
• Related integrations

We reserve the right to:

• Approve or reject registrations
• Modify services without prior notice

20. User Responsibilities and Conduct

• Engage in fraudulent or illegal activities
• Upload harmful or unauthorized content
• Attempt system breaches or disruptions
• Violate third-party rights

We reserve the right to suspend or terminate access for violations.

21. User Representations

• All provided information is accurate and lawful
• They have rights to any uploaded content
• Their use of the platform complies with applicable laws

22. Limitation of Liability

• Indirect or consequential damages
• Loss of data, revenue, or profits
• Service interruptions

23. Indemnification

• Claims arising from misuse of services
• Violations of laws or third-party rights

24. Governing Law and Jurisdiction

This Agreement shall be governed by the laws of India. Any disputes shall fall under the jurisdiction of courts located in Mumbai, Maharashtra.

25. Survival of Clauses

• Data protection and privacy obligations
• Intellectual property rights
• Limitation of liability
• Indemnification
• Legal compliance provisions

26. Entire Agreement

This document constitutes the complete agreement between the parties and supersedes all prior understandings.