privacypolicy

🔒 Privacy Policy – Zagtme Private Limited (Updated for Payment Gateway Compliance)

1. Introduction

This Privacy Policy explains how Zagtme collects, processes, stores, protects, and uses your information when you access our websites (www.zagtme.com) or the Zagtme mobile application (collectively referred to as the “Platform”). By using our Platform, you agree to the practices outlined in this Privacy Policy. Users below 18 years must use the Platform only under parental or guardian supervision.

2. Scope & Applicability

This Policy applies to:

• Visitors, registered users, customers, and merchants.
• Users of the Zagtme mobile application.
• Anyone who interacts with Zagtme services, website features, or customer support.

This document explains what data we collect, why we collect it, and how we safeguard it, especially when processing payments via our partners.

3. Information We Collect

We may collect the following categories of information:

3.1 Personal Information

Provided voluntarily during registration or use:

• Name, mobile number, email
• Date of birth, gender
• Delivery address, billing address
• Government IDs (PAN, Aadhaar, driving license)
• Login credentials
• Payment-related details (Partial card details, transaction IDs, etc.)
• Device information such as IP address, browser, operating system

3.2 Sensitive Personal Information

• Passwords
• Bank account / card details (We do not store full card details. These are securely processed by the payment gateway.)
• UPI & payment data
• Biometric or health-related information (if voluntarily provided)

3.3 Transaction & Usage Data

• Order history & cart activity
• Payment status & delivery details
• Customer support communication
• OTP-based login verification
• App & website usage patterns

3.4 Location & Technical Data

• Precise location (only with permission)
• IP address & network information
• Device identifiers
• Analytics & performance logs

3.5 Non-Personal Data

Collected automatically:

• Cookies & browsing patterns
• Referring links
• Aggregated statistics that do not identify individuals

4. How We Use Your Information

We use your information to:

• Create and maintain user accounts.
• Process orders, payments, and deliveries.
• Provide customer support.
• Improve and personalize user experience.
• Detect and prevent fraud and meet regulatory requirements.
• Send notifications, alerts, and policy updates.
• Provide marketing and promotional content (optional).
• Comply with legal and regulatory obligations.
• Conduct analytics and business research.

5. Sharing of Information (Payment Gateway Clarification)

We may share your data with:

5.1 Service Providers

• Delivery partners
• Sellers and merchants
• Payment gateways (e.g., Razorpay): We share necessary transaction data (e.g., name, address, transaction amount) with our Payment Gateway partners to process your payments. They are required to adhere to the Payment Card Industry Data Security Standard (PCI-DSS) and are prohibited from using your Personal Information for promotional purposes.
• Customer service providers
• Marketing & analytics tools

5.2 Legal Authorities

We may disclose information to comply with:

• Applicable laws (including RBI/Government regulations related to payments).
• Court orders
• Government requests
• Fraud or security investigations

5.3 Business Transfers

If Zagtme undergoes mergers, acquisitions, or internal restructuring, your data may be transferred securely.

5.4 International Transfers

Some service providers may operate outside India. We ensure adequate data protection during such transfers.

6. Data Security (PCI-DSS Compliance)

We use industry-grade security measures including:

• Encrypted data transmission (SSL/TLS).
• Secure server infrastructure.
• Access controls.
• Regular monitoring & audits.
• Payment Data Security: We utilize PCI-DSS compliant payment gateways, such as Razorpay, for all sensitive financial transactions. Zagtme does not store your full credit/debit card numbers or CVV data on its servers. This information is encrypted and handled directly by our PCI-DSS compliant payment processor to ensure the highest level of security.

Users must protect their passwords and report suspicious activity immediately.

7. Data Retention

We retain personal information only:

• As long as your account remains active.
• As needed to deliver services.
• As required by law, fraud prevention, and regulatory obligations.

Upon request, your data may be deleted unless legally restricted.

8. Third-Party Links

Third-party websites linked on our platform have independent privacy policies. Zagtme is not responsible for their content or practices. We recommend that you review the privacy policy of our payment gateway, Razorpay, for details on how they handle your data.

Any publicly shared content (reviews, ratings, comments) may be visible to others and used by Zagtme for service improvement.

10. Your Data Rights

You may:

• Access or update personal details.
• Request correction or deletion.
• Withdraw consent at any time.
• Request copies of your data (portability).
• Restrict how your data is used.
• File complaints with our Grievance Officer.

Users under 18 must have guardian supervision.

11. Changes to This Policy

We may update this Policy periodically. Updates will be posted with a revised “Last Updated” date. Continued use constitutes agreement.

12. Grievance Officer

Name: Gautam Singh Designation: Head of Legal Email: [Gautam@zagtme.com] We will respond within 48 hours and aim to resolve all concerns within 30 days.