Privacy Policy

Referbro (a product of Schwifty Mind labs private limited) values the privacy of its users and has developed a Privacy Policy regarding how personal data is collected, stored, used, disclosed, shared, transferred. This policy applies to the users of our website or users using our referral programs through the respective brand websites and including retailers, agents, and others who are directly dealing with us. This Privacy Policy explains the types of personal data we collect, how we use and protect it, and the rights of users regarding their personal information shared in the website. Please read this policy carefully to understand how we handle your personal data.

1. Data we may collect 
   

1. We may collect different types of personal data based on user interactions with our partner websites, online stores etc or based on direct interactions with our website. 
   
   

2. Personal Information Provided by Users directly on our website or through our partner websites when the user signs up for an account or subscribes to our services or when the user fill out forms, surveys, or contacts us for support or when the user participates in our referral program and other promotional activities or makes purchases.
   
   

3. Personal data may include, but not limited to;

   1. Name 

   2. Email address 

   3. Phone number 

   4. Mailing address 

   5. Purchase history and product details including name, category quantity and price which the user may search for or purchase online.

   6. Referral program participation status
      
      

4. Our website may collect certain information automatically when any user visits our website or any partner brand website. This may include but not limited to:

   1. IP address 

   2. Device information 

   3. Website usage data

   4. Cookies and tracking technologies 
      
      

5. Information from Third-Party Source

We may collect information from third-party sources, such as social media platforms or business affiliates, with due consent from the user.

6. Data which we are not collecting are;

   1. Financial data including bank details, PIN, card numbers or other financial credentials.

   2. WhatsApp message content or chat history.

2. Use of Data

Data we collected shall be used for various purposes to enhance your experience and ensure smooth operations. Specifically, we may use your data for:

1. To automate referral cashbacks/rewards via UPI/wallets.

2. To send WhatsApp/email referral messages (with your consent).

3. To detect fraud (e.g., fake referrals).

4. Processing registrations, subscriptions, and orders.

5. Tailoring content, offers, and recommendations based on user preferences.

6. Improving website functionality and user experience.

7. Conducting analytics to measure performance and effectiveness.

8. Sending newsletters, updates, and promotional offers with user consent.

9. Providing customer support and responding to inquiries.

10. Notifying you about important policy changes or security updates.

11. Ensuring compliance with applicable laws and regulations.

12. Maintaining security and protecting users from unauthorized access.

3. Data Sharing
   

We do not share user personal data with third parties except in the following circumstances:

1. For furtherance of services

We may share your information with third-party service providers who assist in website operations, such as:

1. Brands: We share your data only with the brand you transacted with to process cashbacks.

2. Third Parties: We use RazorpayX for UPI payouts (they handle transaction data per their Privacy Policy). 
   
   

2. Legal Requirements

We may share data when required by law or government authorities, including responding to lawful requests or court orders.

3. User Consent

We will only share personal information beyond necessary services if we obtain your explicit consent.

4. Data Retention

1. Data collected from the user/ third parties shall be retained until the brand/third party deletes it according to their own retention policy.

2. We are not legally obliged to retain any data collected but the same is retained for the period aforementioned period for furtherance of service and we shall not be in any way or extent, responsible for any data loss. 
   
   

5. Data Protection and Security Measures

We implement robust security practices to safeguard your personal data against unauthorized access, loss, misuse, or alteration which includes but not limited to:

• Encryption: Sensitive data including login credentials are encrypted for security.

• Access Controls: Only authorized personnel can access certain information.

• Regular Monitoring: We actively monitor our systems for security threats.

• Secure Storage: Data is stored securely and retained only as long as necessary.

6. User Rights and Choices

1. Users or partner websites shall not have any exclusive right over the personal data held by us or shall not have the right to claim for such data. Sharing of data shall be our exclusive discretion subject to the consent of the owner of the data. 

2. User/partner websites have the right to request for correction of data if the same is found inaccurate.

3. User/partner websites may request the deletion of data, subject to legal and operational constraints.

4. Users can opt out of direct marketing and data collection activities in the manner prescribed in whatsapp communication, email or other communication/marketing platforms.

7. Policy Updates and Changes

We may update this Privacy Policy periodically to reflect changes in regulations or business practices. If significant updates occur, the same will be published in the website/app and the user accessing the website is deemed to have read and subscribed to such updates.

8. Grievance officer Contact Information

If you have any questions about this Privacy Policy or how your personal data is handled, you can contact us at:

Email: arjun@referbro.com