कारोbaar | Modern Accounting for Wholesalers

About This Privacy Policy

The terms used in this Privacy Policy ("Policy") have the meaning as defined in the Terms of Use and should be read together with the Terms of Use. This Policy explains how Gandhiva Technologies ("the Company", "we", "us", "our") collects, uses, discloses, shares and transfers information of Users. This Policy applies to anybody who downloads the कारोबार mobile application or opens an account with the Company.

Developer Information:

Gandhiva Technologies

Registered Address: Thane, Mumbai, Maharashtra, India - 400604

Owner: Vinayak Yadav

Email: gandhivatechnologies@gmail.com

Phone: +91 83038 07051

The Company recognizes the need for appropriate protection and management of any information shared with the Company or on the कारोबार application.

By using or accessing the कारोबार application in any manner or opening an Account, you acknowledge that you have read and accepted this Policy and consent that the Company will collect, use, disclose, share and transfer information and personal data including but not limited to sensitive Personal Information. This Policy is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder and the Digital Personal Data Protection Act, 2023.

However, if you do not intend to share the Information as referred herein for use by the Company, you are free to opt-out or not use the कारोबार application and/or the Products and Services by deleting the Account, and in such a case, you are not required to give consent as per this Privacy Policy.

If in future you feel that the Information or any part thereof as collected should not be used or should be deleted, consent granted in this Policy can be withdrawn by writing to the Company seeking to withdraw the consent or by deleting the Account. However, if you withdraw consent for the Company to use the Information as provided in this Policy, the Products and Services cannot be offered to you by the Company.

Modification of Privacy Policy

These policies may be updated from time to time in the future. You should agree to review our privacy policies regularly by visiting this page. Continued access to or use of the service will mean that you agree to the changes.

When This Privacy Statement Applies

This liability to you is limited to those who have downloaded the कारोबार application and logged in by clicking on the "I Agree/Login" button for Terms and Conditions or have explicitly consented to the policy on any other product/service page offered to you.

How Information is Collected, Used, Disclosed, Shared and Stored

1. Collection of Information

The Company collects, uses, discloses, shares and transfers Information, including but not limited to User content, other content, communications, information etc. provided by Users when the Users access or use the कारोबार application for the Products and Services. By use of the कारोबार application and/or Products and Services, express consent and permission is granted to the Company for having access to, using, processing, disclosing, sharing and transferring of information in accordance with this Policy and the Terms of Use.

2. Types of Information Collected

Personal Information

For the purpose of these Terms, "Personal Information" shall mean any information provided by the User and shall include, without limitation:

Name and business name
Mobile number & Email address
Business address
GST number (if provided)
MSME registration details (if applicable)
FSSAI license details (if applicable)
Customer/Party information (names, contact details)
Product/inventory details (glass types, aluminum, hardware, dimensions, prices, thickness)
Invoice and transaction records
Payment information (amounts, dates, methods)
User content including notes, custom fields, descriptions
One Time Password (OTP) for authenticating registration processes

Non-Personal Information

For the purpose of these Terms, "Non-Personal Information" shall mean information that does not specifically identify an individual but includes:

Type of mobile device used
Device's unique device ID (IMEI, SSAID, Serial Number)
Android/iOS version and build info
Hardware specs (RAM, storage, processor)
ISP and IP address
Network operator info (MCC, MNC codes)
SIM info (roaming state, operator)
WiFi info (MAC address)
Battery level and charging state
App version and build number
Language and time zone settings

The Company may collect Information when registration or opening of an Account happens on the कारोबार application, when features or Products and Services are used, when you share User content with the Company, and when you interact with the customer support team including the details of messages or chats.

3. Cookies and Similar Technologies

The Company may use cookies and similar technologies to monitor usage including, without limitation, to provide useful features to simplify experiences for you, like remembering login credentials and certain Personal Information, and to deliver relevant content based on preferences, usage patterns and location.

4. Payment Information

There could arise a requirement of providing payment information when you are required to make payment for Government Fees, subscription fees, or any Facilitation Fees as per the Terms of Use. The Company or any third party providing services related to payment may use this information. The Company shall in no case be liable for any loss or damage sustained by you arising out of any disclosure (inadvertent or otherwise) of any information relating to bank account, credit or debit card details, or UPI details in the course of any online transactions or payments made.

5. Usage Information

The Company collects information about your use of the कारोबार application and/or Products and Services, such as features used (invoice creation, inventory management, reports), activity carried out, time, frequency and duration of activities, screens viewed, navigation patterns, error logs, and performance data.

6. Device Information

The Company is required to collect information from and about the mobile devices used and combines this information across different devices that are used.

a. Device and Technical Information:

Operating system and version
Hardware model and manufacturer
Software versions, battery level, signal strength
Available storage space and RAM
App and file names and types
Plugins and installed applications metadata
Unique device identifiers (IMEI, Serial Number, SSAID, Android ID)

b. Permissions and Access:

Access to device storage
Access to camera (when taking photos)
Network connectivity status
Data from local storage on devices

c. Location-Related Information:

Location-related information such as approximate location to provide personalized and improved use of the कारोबार application. Location-related information can be based on things such as IP addresses, network information, or mobile operator information. We do not collect precise GPS location data.

Google Services Permissions Usage

Gmail Send

Allows you to send your invoices and report PDFs to your customers directly from the app and take backups to your email.

Google Drive

Allows the app to take regular automatic backup of your app data on your Google Drive.

Google Contacts

Allows users to import Google Contacts for adding parties (customers/suppliers) to the accounting software.

How कारोबार Stores and Shares Google User Data

कारोबार does not store any Google user data on our servers. Whenever कारोबार fetches this data, it gets shown to you while using the feature. You choose the data you want to use for import and that gets used to create customers/vendors for you in the software. कारोबार will not store this data for any further use beyond the immediate import operation. कारोबार will also not share your Google authentication data with anyone. कारोबार will not store this data anywhere on external servers.

Collection of Financial SMS Information

We don't collect, read or store your personal SMS from your inbox. We collect and monitor only financial SMS sent by 6-digit alphanumeric senders from your inbox which helps us in:

Identifying bank accounts held
Understanding cash flow patterns
Identifying transaction descriptions and amounts
Performing credit risk assessment
Determining your risk profile
Providing appropriate credit analysis

Note: This feature is optional and only activated if you explicitly opt-in to credit assessment services.

Collection of Device Location and Information

We collect and monitor information about the approximate location of your device to provide serviceability assessment, reduce risk, verify business address, make better decisions, and expedite KYC processes.

The information we collect from your device includes:

Hardware model and build model
RAM and storage capacity
Unique identifiers (IMEI, Serial Number, Android ID)
SIM info (operator, roaming, MNC/MCC)
WiFi info (MAC address)

Collection of Installed Applications

We collect a list of installed applications' metadata information (name, package name, version codes) to:

Assess creditworthiness (if you opt-in to credit services)
Enrich your profile with pre-approved customized offers
Prevent fraud and ensure device security

Note: This feature is optional and only activated if you explicitly opt-in to credit assessment services.

Storage Permission

Required so that your business data can be securely saved, invoices and reports can be exported as PDF/Excel, backup files created/restored, and product images stored locally.

Camera Permission

Required to enable you to click photos of products for inventory, capture images of invoices or documents, and take photos for business records. Access is only used when you explicitly tap on "Add Photo".

Collection of Other Non-Personal Information

We automatically track certain information based on behavior in our Application for internal research on demographics, interests, and behavior. This includes IP address, app screen navigation, and analytics tools.

We retain transaction and usage information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.

Link to Third-Party SDK

The कारोबार Application may have a link to registered third-party SDKs that collect data on our behalf to perform analytics, provide crash reporting, enable cloud backup, process payments, or provide credit assessment.

Security measures employed by our partners:

Separation of environments & segregation of duties
Strict role-based access control (RBAC)
Application-level encryption for stored data
Intrusion prevention and detection systems
File integrity monitoring solutions

How कारोबार Uses User Data

1. Core Application Services

Managing your Account with the Company
Creating invoices with automatic unit conversions
Managing inventory for Glass, Aluminum, etc.
Tracking stock levels & generating alerts
GST-compliant invoices & business reports

2. Authentication and Verification

Authentication using One Time Password (OTP)
Verification with government/GST authorities
MSME registration & Bureau checks

3. Communication

Send SMS for OTP authenticating transactions
Send invoices to customers via email/messaging
Stock alerts and payment notifications

4. Research and Development

Develop, test and improve the application
Test and troubleshoot new products/features
Improve navigation and transaction experience

5. Security, Fraud & Legal

Prevent unauthorized access and fraud
Verify device authenticity
Comply with legal obligations & MAINTAIN records

Sharing of Personal Information

1. Disclosure with Government Authorities

Personal Information may be shared with government authorities including GST Authority, MSME Authority, FSSAI Authority, and Income Tax Department to enable providing Products and Services and government registrations.

2. Disclosure to Third-Party Service Providers

We share information with cloud service providers (AWS, Google, Firebase), database services, email service providers (Gmail), SMS providers, and technology partners bound by confidentiality agreements.

3. Other Disclosures

Prospective Acquirers: In connection with a sale, merger, or reorganization.
To Facilitate Payment: Directing to a payment gateway service provider.
With Your Consent: Explicit consent for third-party business tools.
Required by Law: Under court orders or legal processes.

Protection of Information

The Company, on a best effort basis, shall attempt to take adequate measures to protect the security of Personal Information and to ensure that choices for its intended use are honored.

Vinayak Yadav

Grievance Officer

gandhivatechnologies@gmail.com

Privacy Policy for कारोबार (कारोbaar)