Privacy Policy

Last Updated: January 15, 2025

At Kamety, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform. Please read this policy carefully.

1. Information We Collect

1.1 Personal Information You Provide

When you create an account or use our services, we may collect:

  • Account Information: Name, email address, phone number, profile picture
  • Financial Information: Bank account details (for payouts), transaction history within groups
  • Group Information: Kamety/committee details, member lists, contribution records
  • Communications: Messages sent through our platform, support inquiries, feedback
  • Identity Verification: Government ID (for certain features or large transactions)

1.2 Automatically Collected Information

When you use our platform, we automatically collect:

  • Device Information: IP address, browser type, operating system, device identifiers
  • Usage Data: Pages visited, features used, time spent, click patterns
  • Location Data: Approximate location based on IP address
  • Cookies and Tracking Technologies: To enhance user experience and analyze usage

2. How We Use Your Information

We use your information for the following purposes:

  • Provide and Maintain Services: Create accounts, process transactions, send notifications, manage groups
  • Improve Our Platform: Analyze usage patterns, fix bugs, develop new features
  • Communicate With You: Send service updates, payment reminders, security alerts, and respond to inquiries
  • Ensure Security: Detect and prevent fraud, unauthorized access, and other security issues
  • Legal Compliance: Comply with applicable laws, regulations, and legal requests
  • Personalization: Customize your experience and show relevant content

3. Legal Basis for Processing

We process your personal information based on one or more of the following legal grounds:

  • Contract Performance: To fulfill our agreement with you when you use our services
  • Consent: Where you have given explicit consent for specific processing activities
  • Legitimate Interests: For our legitimate business interests, such as improving services and preventing fraud
  • Legal Obligations: To comply with applicable laws and regulations

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

4.1 Within Your Savings Groups

Other members of your Kamety/committee groups can see your name, profile information, contribution status, and payout schedule as necessary for group functioning.

4.2 Service Providers

We share information with third-party vendors who assist us with payment processing, data hosting, customer support, email delivery, and analytics. These providers are contractually obligated to protect your data.

4.3 Legal Requirements

We may disclose information if required by law, court order, or government regulation, or to protect our rights, property, or safety, or that of our users.

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

5. Data Security

We implement industry-standard security measures to protect your information, including:

  • Encryption: 256-bit SSL/TLS encryption for data in transit and at rest
  • Access Controls: Strict authentication and authorization protocols
  • Regular Audits: Security assessments and vulnerability testing
  • Employee Training: Data protection and privacy best practices

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. After account closure, we may retain certain information for:

  • Legal compliance and regulatory requirements
  • Fraud prevention and security purposes
  • Legitimate business needs (e.g., financial audits)

You can request deletion of your data by contacting us, subject to legal retention requirements.

7. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

  • Access: Request a copy of your personal data
  • Correction: Correct inaccurate or incomplete information
  • Deletion: Request deletion of your data (subject to legal limitations)
  • Restriction: Limit how we use your data
  • Portability: Receive your data in a machine-readable format
  • Objection: Object to certain processing activities
  • Withdraw Consent: Withdraw previously given consent

To exercise these rights, contact us at privacy@kamety.com. We will respond within 30 days.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Authenticate users and maintain session state
  • Remember preferences and settings
  • Analyze platform usage and performance
  • Serve relevant advertisements (where applicable)

You can control cookies through your browser settings. However, disabling cookies may affect platform functionality.

9. Children's Privacy

Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have collected information from a child under 18, we will delete it immediately. Parents or guardians who believe their child has provided us with personal information should contact us.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers, including standard contractual clauses approved by relevant authorities.

11. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies before providing any personal information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes through:

  • Email notification to your registered address
  • Prominent notice on our platform
  • Updating the "Last Updated" date at the top of this policy

Your continued use of Kamety after changes become effective constitutes your acceptance of the revised policy.

13. GDPR Compliance (For EU Users)

If you are located in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR), including:

  • Right to data portability
  • Right to object to automated decision-making
  • Right to lodge a complaint with a supervisory authority

Our GDPR Representative can be contacted at gdpr@kamety.com.

14. California Privacy Rights (CCPA)

California residents have specific rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, request deletion, and opt-out of the sale of personal information (we do not sell your data).

15. Contact Information

If you have questions or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer:

Email: privacy@kamety.com
Address: Kamety Technologies Pvt Ltd, Data Protection Office, Mumbai, India
Phone: +91-XXXXXXXXXX

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