Privacy Policy

Last updated: Mar 23, 2025

Introduction This Privacy Policy describes how and its affiliates (collectively " P Manikandan , we, our, us") collect, use, share, protect or otherwise process your information/

personal data through our website https://vdigi.in/ (hereinafter referred to as Platform).

Please note that you may be able to browse certain sections of the Platform without

registering with us.We do not offer any product/service under this Platform outside India

and your personal data will primarily be stored and processed in India. By visiting this

Platform, providing your information or availing any product/service offered on the

Platform, you expressly agree to be bound by the terms and conditions of this Privacy

Policy, the Terms of Use and the applicable service/product terms and conditions, and

agree to be governed by the laws of India including but not limited to the laws applicable

to data protection and privacy. If you do not agree please do not use or access our

Platform.Collection-We collect your personal data when you use our Platform, services

or otherwise interact with us during the course of our relationship.and related

information provided from time to time. Some of the information that we may collect

includes but is not limited to personal data / information provided to us during signup/registering or using our Platform such as name, date of birth, address,

telephone/mobile number, email IDand/or any such information shared as proof of

identity or address. Some of the sensitive personal data may be collected with your

consent, such as your bank account or credit or debit card or other payment instrument

information or biometric information such as your facial features or physiological

information (in order to enable use of certain features when opted for, available on the

Platform) etc all of the above being in accordance with applicable law(s) You always

have the option to not provide information, by choosing not to use a particular service or

feature on the Platform. We may track your behavior, preferences, and other

information that you choose to provide on our Platform. This information is compiled and

analysed on an aggregated basis. We will also collect your information related to your

transactions on Platform and such third-party business partner platforms. When such a

third-party business partner collects your personal data directly from you, you will be

governed by their privacy policies. We shall not be responsible for the thirdparty

business partner’s privacy practices or the content of their privacy policies, and we

request you to read their privacy policies prior to disclosing any information. If you

receive an email, a call from a person/association claiming to be seeking any personal

data like debit/credit card PIN, net-banking or mobile banking password, we request you

to never provide such information. If you have already revealed such information, report

it immediately to an appropriate law enforcement agency.Usage- We use personal data

to provide the services you request. To the extent we use your personal data to market

to you, we will provide you the ability to opt-out of such uses. We use your personal data

to assist sellers and business partners 1 in handling and fulfilling orders; enhancing

customer experience; to resolve disputes; troubleshoot problems; inform you about

online and offline offers, products, services, and updates; customize your experience;

detect and protect us against error, fraud and other criminal activity; enforce our terms

and conditions; conduct marketing research, analysis and surveys; and as otherwise

described to you at the time of collection of information. You understand that your

access to these products/services may be affected in the event permission is not

provided to us.Sharing- We may share your personal data internally within our group

entities, our other corporate entities, and affiliates to provide you access to the services

and products offered by them. These entities and affiliates may market to you as a

result of such sharing unless you explicitly opt-out. We may disclose personal data to

third parties such as sellers, business partners, third party service providers including

logistics partners, prepaid payment instrument issuers, third-party reward programs and

other payment opted by you. These disclosure may be required for us to provide you

access to our services and products offered to you, to comply with our legal obligations,

to enforce our user agreement, to facilitate our marketing and advertising activities, to

prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our

services. We may disclose personal and sensitive personal data to government

agencies or other authorized law enforcement agencies if required to do so by law or in

the good faith belief that such disclosure is reasonably necessary to respond to

subpoenas, court orders, or other legal process. We may disclose personal data to law

enforcement offices, third party rights owners, or others in the good faith belief that such

disclosure is reasonably necessary to: enforce our Terms of Use or Privacy Policy;

respond to claims that an advertisement, posting or other content violates the rights of a

third party; or protect the rights, property or personal safety of our users or the general

public.Security Precautions- To protect your personal data from unauthorized access or

disclosure, loss or misuse we adopt reasonable security practices and procedures.

Once your information is in our possession or whenever you access your account

information, we adhere to our security guidelines to protect it against unauthorized

access and offer the use of a secure server. However, the transmission of information is

not completely secure for reasons beyond our control. By using the Platform, the users

accept the security implications of data transmission over the internet and the World

Wide Web which cannot always be guaranteed as completely secure, and therefore,

there would always remain certain inherent risks regarding use of the Platform. Users

are responsible for ensuring the protection of login and password records for their

account.Data Deletion and Retention- You have an option to delete your account by

visiting your profile and settings on our Platform , this action would result in you losing

all information related to your account. You may also write to us at the contact

information provided below to assist you with these requests. We may in event of any

pending grievance, claims, pending shipments or any other services we may refuse or

delay deletion of the account. Once the account is deleted, you will lose access to the

account. We retain your personal data information for a period no longer than is

required for the purpose for which it was collected or as required under any applicable

law. However, we may retain data related to 2 you if we believe it may be necessary to

prevent fraud or future abuse or for other legitimate purposes. We may continue to

retain your data in anonymized form for analytical and research purposes.Your RightsYou may access, rectify, and update your personal data directly through the

functionalities provided on the Platform. Consent- By visiting our Platform or by

providing your information, you consent to the collection, use, storage, disclosure and

otherwise processing of your information on the Platform in accordance with this Privacy

Policy. If you disclose to us any personal data relating to other people, you represent

that you have the authority to do so and permit us to use the information in accordance

with this Privacy Policy. You, while providing your personal data 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. You have an option to

withdraw your consent that you have already provided by writing to the Grievance

Officer at the contact information provided below. Please mention “Withdrawal of

consent for processing personal data” in your subject line of your communication. We

may verify such requests before acting on our request. However, please note that your

withdrawal of consent will not be retrospective and will be in accordance with the Terms

of Use, this Privacy Policy, and applicable laws. In the event you withdraw consent given

to us under this Privacy Policy, we reserve the right to restrict or deny the provision of

our services for which we consider such information to be necessary. Changes to this

update this Privacy Policy to reflect changes to our information practices. We may alert /

notify you about the significant changes to the Privacy Policy, in the manner as may be

required under applicable laws,

Refund Policy

if the refund is approved then it will be credited to original payment method within 3-7 days