import {IData} from '@screens/terms-and-condition/type';
export const SCROLL_TO_POLICY = 'scroll_to_policy';

export const data: IData[] = [
  {
    title: 'Terms and conditions',
    content: `AFFINDI INDIA PRIVATE LTD. with CIN U72900MH2020PTC339187 and having its registered office at Plant 13, Extension Office, Pirojsha Nagar, Eastern Express Highway, Vikhroli (East), Mumbai, Mumbai City, Maharashtra, India, 400079 (“US”, “WE”, “OUR” and “COMPANY”) maintains and operates this asli wallet application (“App”) for facilitating the storage of digital documents in a secure and private manner. . The App serves as a digital platform for offering seamless way of usage across various services ("Purpose"). These terms and conditions (“Terms”) govern the use of or access to the App in addition to the Privacy Policy of the Company.

Please read these Terms carefully before accessing or using this App. By clicking the “I agree” button below, or by accessing, visiting, scrolling through, browsing, interacting with, registering on and/or using or attempting to use the App, you (“USER, “YOU”, “YOUR”) agree that you have read, understood, and are agreeing to comply with these Terms as set forth below, which may change from time to time.

IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS, DO NOT USE OR ACCESS ANY PART OF THIS APP. CONTINUED USE OF ANY PART OF THIS APP CONSTITUTES YOUR ACCEPTANCE OF THE TERMS AND ANY CHANGES THERETO.

These Terms also include our privacy policy which contains our policy regarding the collection and use of personal information (including sensitive personal information), available at ${SCROLL_TO_POLICY} and any other supplementary terms, amendments, policies, or disclaimers made available or issued by us from time to time. From time to time, there may be additional terms in relation to limited period events in the nature of contests, offers, promotions etc (“Additional Terms”) and such terms may be made part of these Terms and apply to you accordingly. Such additional terms shall prevail over the Terms in the event of a conflict.

We reserve the right to make changes to these Terms, including any Additional Terms at our sole discretion. If any material modification negatively impacting your use of our services, we will notify you with reasonable advance notice. Any such modifications shall become effective immediately upon the update being posted on this page and shall constitute effective communication of the same to you.

If you do not agree to the new terms, you can notify us to terminate your relationship with us and request for removal of your content and stop using the services. Provided further, that your continued access or use of the App after such posting constitutes your consent to be bound by the Terms and/or Additional Terms, as amended.

Further, we reserve the right to make changes in these Terms, including any Additional Terms at our sole discretion, without notice in the following events:

a) When there is a launch of a new service/ feature

This is to allow the Company to effortlessly roll out new services/ features / functionalities/ continual improvements without having to worry about sending an update notice to users every time.

b) To prevent any abuse/illegal usage of the App

If in the process of preventing any abuse/illegal usage of the App, an update to the Terms is required then there is no duty upon the Company to give you notice.

c) Responding to legal requirements or addressing security issues

If in response to any requirements mandated under law have to be fulfilled and part of such fulfilment is an update to the Terms, then there is no duty upon the Company to give you notice.

You agree that these Terms are supported by good and valuable consideration, the receipt and sufficiency of which you hereby acknowledge.

1. User registration

For using the App you will have to first register your details in the App as more particularly stipulated in the Privacy Policy for registering you as the User. You represent and warrant that : 

(a) all the information submitted by you are accurate, complete, up to date and true 

(b) you shall continue to maintain accuracy and completeness of such information. If you want to anytime delete your account, you shall contact the Company by sending an email to support.asli@affinidi.com and the Company would process the request for deletion of account. Provided however, information provided by you shall be retained for compliance as may be required under various applicable laws.

2. Purpose

The App is intended to serve the following purposes:

a) Facilitates storage of all digital documents in a secure and private manner.

b) Offers seamless way to use the digital information across various value addition curated services including but not limited to hotel check-ins, financial services, travel services, technology services, hospitality sector institutions, healthcare institutions, job matching platforms, educational institutions etc. (“Curated Services”) in hassle free manner.

c) Offers the document holders to undertake ownership and exchange of the digital documents securely.

d) Offers the document holders to assume control or limit granting of access of digital documents with third parties.

3. Eligibility

Use of the App including registering on the App is available only to persons who can enter into legally valid and binding contracts under the Indian Contract Act, 1872 and within the territory of India. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including persons below the age of 18 years, undischarged insolvents etc, are not eligible to use the App. You represent and warrant that you are competent to contract as per the Indian Contract Act, 1872 and that you have the right, authority, and capacity to use the App. Persons using the App on behalf of corporate entities (such as companies, proprietorships etc.) represent and warrant to the Company they have the right, capacity, and the authority to use the App on behalf of such corporate entities. We reserve the right to revoke your registration, indefinitely suspend or terminate or refuse and/or block access to the App, if it is brought to our notice or if it is discovered that you are incompetent to contract under the Indian Contract Act, 1872 and/or lack the rights, authority, or capacity to use the App. We disclaim all liabilities for any harm caused to you or any corporate entity, if applicable, on account of using the App in violation of this provision.

4. App Usage

a) To use our Service, you simply need to download and run the App on your mobile phone.

b) You will have to register using your mobile number. You will receive an OTP in your mobile number for verification. We may add other third-party services to enable registration from time to time.

c) In order to provide Services to you, we need to access certain features of your mobile device like camera, gallery, storage, location and you agree to provide such consent without which you would not be able to use the App for the intended.

5. License

The Company grants you a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to access and use the App solely for the Purpose mentioned above and for no other reason and strictly in accordance with these Terms. You are responsible for all activity that occurs under your Account, and you agree to maintain the security and secrecy of your account username and password at all times and shall be liable for any actions that occur on account of non-maintenance of security and secrecy of your account. You agree to notify us immediately of any breach of security or unauthorized use of your account.

6. Restrictions on the license- You shall not:

a) republish, reproduce, modify, distribute, prepare derivative works, license, lease, sell, resell, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the App, or parts of it, except in accordance with these Terms. Your use of the App is also subject to our account deactivation policy and community guidelines;

b) Remove, reuse or replicate any copyright, trademark or any other proprietary information from the App;

c) use the App to host, display, upload, post, modify, publish, transmit, update, distribute, share, store, download, retain, destroy, any information, which is in violation or intends to violate any applicable law or regulations, or, which is in violation of any contractual obligation, or, which may potentially be perceived as being harmful, threatening, abusive, harassing, defamatory, vulgar, racially or ethnically objectionable, hurts religious sentiments or any community or, infringes the intellectual property of any person, or, is or renders any information as fraudulent, misleading or deceiving in any way;

d) impersonate as another person or upload, post, share, publish, transmit any information about Users or any third party that enables or facilitates impersonation of or by User or any third party;

e) use any information accessed through the App, to make any unauthorized representation or misrepresentations including but not limited to false propositions, fake offerings, etc, directly or indirectly, to any third party;

f) use the App to upload, post, email, transmit or otherwise make available either directly or indirectly, any unsolicited content, whether in bulk or otherwise;

g) Directly or indirectly scrape the Services or otherwise copy profiles and other data from the Services;

h) cause or launch any programs or scripts for the purposes of scraping, indexing, surveying, or otherwise data mining any portion of the App or burden the App with an unreasonable or disproportionately large load or hinder the operation and/ or functionality of any aspect of the App;

i) attempt to gain or gain unauthorized access or exceed the scope of authorized access to the App or impair any aspect of the App;

j) involve in an act of reverse engineering, decompiling, disassembling, deciphering or otherwise attempting to derive the source code for the App or any related technology or any part thereof;

k) engage in framing, mirroring, or otherwise simulating the appearance or function of the App in any form;

l) use network-monitoring software to determine architecture of or extract usage data from the App;

m) attempt to, or breach, circumvent, disable, or otherwise interfere with security or authentication measures without proper authorization;

n) provide deep links into the App without prior permission of the Company;

o) collect or harvest any personally identifiable information from the App including, without limitation, usernames, passwords, email addresses, employment details, government issued identification numbers, photographs etc, in an unauthorized manner;

p) violate any applicable central, state, and local laws or encourage conduct that violates any central, state or local laws;

q) create more than one account for yourself or on behalf any third party, unless otherwise permitted by the Company in writing;

r) assign or otherwise transfer your Account to any person or entity;

s) use the App for any illegal or unlawful purposes;

t) in your use of the App, cause nuisance, annoyance, inconvenience to or property damage of any third parties.

You agree to cooperate fully with us to investigate any suspected or actual activity that is in breach of these Terms.

7. Intellectual Property Rights

The App and all rights therein are and shall remain the property of the Company or its affiliates, associates, clients, business partners. These Terms neither convey nor grant to you any rights: (i) in or related to the App except for the limited license granted above; nor (ii) to use or reference in any manner the Company’s names, logos, products and service names, trademark or service marks or those of its affiliates, associates, clients or business partners.

8. User Provided Content

a) At the Company’s sole discretion, the App may permit you from time to time to publish, upload, transmit through, or otherwise make available on the App (collectively, “submit”) files, documents, textual, audio and visual content and information, including personal information, commentary and feedback related to the services, support requests, submission of entries for competitions and promotions on your own behalf or on behalf of third parties (“User Content”) for registration and usage of the App.

b) The User Content and the information contained therein shall at all times be true, accurate, current and complete, and in a form and manner permitted by the App. If there is any change in User Content, you undertake to immediately update the true and complete information. This obligation shall be applicable at all times during your usage of the App. You agree that if you provide any User Content that is untrue, inaccurate, not current, or incomplete or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with these Terms, you shall be unable to access the App or the offerings thereunder and/or we shall have the right to indefinitely suspend or terminate or block your access to the App, as the case maybe. the Company will not be liable to you or any third party, on account of any incomplete, inaccurate or outdated information on the App.

c) You agree that you will provide only such User Content, either for yourself or on behalf of a third party, as is mandated by the App, and not submit any information that is excessive or irrelevant.

d) You represent, warrant, and covenant that:

· You either are the sole and exclusive owner of the User Content or have all rights, licenses, necessary to grant go to the Company, its affiliates, clients, associates and business partners, the license to the User Content as set forth in the Terms.

· you will not submit any User Content that:

· is protected by copyright, trademark, patent, trade secret, moral right, or other intellectual property or proprietary right without the express permission of the owner of the respective right. You are solely liable for any damage resulting from your failure to obtain such permission or from any other harm resulting from User Content that you submit.

· impersonates another or is unlawful, threatening, abusive, libelous, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane, pornographic, or otherwise objectionable;

· encourages or advocates, either directly or indirectly, any conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or discusses an intent to commit an illegal or immoral act;

e) By submitting User Content, you automatically grant, or warrant that the third party has duly authorized you to grant to us, our affiliates, our clients, associates and business partners, a worldwide, royalty-free, perpetual, irrevocable, non-exclusive, fully sub-licensable, and transferable right and license to use, share, reproduce, distribute, create derivative works based upon (including, without limitation, translations), publicly display, publicly perform, transmit, and publish the User Content (in whole or in part) (to the extent permitted under applicable laws), as we, in our sole discretion, deem appropriate including, without limitation, (1) in connection with our business, including without limitation, for products, services, marketing or advertising; and (2) in connection with the businesses of our affiliates, successors, parents, subsidiaries, and their related companies. We may exercise this grant in any format, media or technology now known or later developed for the full term of any copyright that may exist in such User Content. Notwithstanding the foregoing, you have, and represent and warrant that the relevant third parties have, waived any and all claims you/they may now or later have in any jurisdiction to so-called “moral rights” with respect to the User Content.

f) To the extent permitted under the applicable law, we reserve the right to display advertisements in connection with the User Content and to use the User Content for advertising and promotional purposes. You agree, and represent and warrant that the third parties have agreed, that the User Content may be included on the websites and advertising networks of our distribution partners and third-party service providers (including their downstream users). You remain solely responsible for the content you post on the App. The Company does not endorse and is not responsible for any content shared or posted on or through our App, and for any consequences resulting out of such sharing or posting. The presence of the Company’s logo or any trademark on any content shared by you does not mean that we have endorsed or sponsored your content. Further, we will not be liable for or responsible for the consequences of any transactions made or entered into by you with other advertisers on the App.

g) We have the right, but not the obligation, to monitor use of the App in order to determine compliance with these Terms, as well as the right to edit, refuse to post, disable access to or remove any information, materials, or User Content in whole or in part, in our sole discretion.

h) Subject to the rights and license you grant herein, you or the relevant third party, retain all right, title and interest in the User Content, as applicable.

i) You hereby specifically agree that you shall, at all times, comply with the requirements of the Information Technology Act, 2000 as also rules, regulations, guidelines, bye laws and notifications made thereunder, while assessing or feeding any resume/ insertion or information/data into the App and

in case you are in violation of any of the provisions of the Information Technology Act, 2000 and/or rules, regulations, guidelines, byelaws and notifications made thereunder, you shall alone be responsible for such violations and shall be liable for civil and criminal liability there under or under any other law for the time being in force.

9. Verification

By providing us the User Content and the information therein and documents containing or supporting the User Content, you consent, and represent and warrant that the third parties have consented, to the verification of User Content and sharing the same with a third-party service provider. In case, during the verification conducted by us, it is observed that, any User Content submitted by you is incorrect, we may, at our sole discretion, terminate / suspend your registration from the App, or take any other action as may be deemed necessary.

10. Provisions of the App

You acknowledge that offerings of the App, or portions thereof, may be available under the Company’s various brands including under the brand “Affindi”. You also acknowledge that such offerings may be made available under such brands or request options by or in connection with: (i) subsidiaries and affiliates of the Company, or (ii) independent third-party providers, including storing data submitted on the App.

11. Communications

You consent to, and represent and warrant that the relevant third parties have duly authorized you to provide consent on their behalf to:

a) accept communications from us or our representatives in relation to the App, or offerings thereof, even if the mobile number provided by you, for yourself or on behalf of relevant third parties, to us is registered under DND/NCPR list under the Telecom Commercial Communications Customer Preference Regulations, 2018 (“TRAI Regulations”);

b) receive communications through telephonic or electronic means from us or our representatives as and when required. We may communicate with you or with relevant third parties, by phone, email, SMS, WhatsApp or by such other mode of communication, telephonic, electronic, or otherwise. No communication to you or relevant third parties, from us or on our behalf, shall be considered Unsolicited Commercial Communication under Regulation 2(bw) of the TRAI Regulations; and

c) to receive communications (including commercial communications) in relation to the App, or offerings thereof, notwithstanding your or a third party’s registration with the National Do Not Call Registry (In Fully or Partly blocked category under National Customer Preference Register set up under the Telecom Regulatory Authority of India).

12. External links and other content

The App may contain links to other websites which are owned and/or operated by third-party vendors and other third parties (“Third Party Links”). You acknowledge that we are not responsible or liable for any such third parties or for the availability of, or the materials located on or through any external sites. The presence of these links on the App should not under any circumstances be considered as an endorsement, certification or warranty by us of the contents, activities and outcome of activities, thereof and if you chose to access these websites or avail the services of other websites, you do so at your own risk. On accessing the Third-Party Links, you shall be governed by the terms of use, privacy policy, and such other additional policies of the operators of the Third-Party Links.

We do not knowingly link to websites that may infringe on valid and existing trademarks, service marks, copyrights or patents or be in violation of applicable laws. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, advertising, products, services, or other materials available on or through any Third Party Links or for any errors, defamatory

content, libel, slander, omissions, falsehoods, obscene content, pornographic material, breach of any applicable laws, or any profanity contained therein.

Since the App is made available for download from Google Play Store or iOS stores or any similar platform (“Platform”), the terms and conditions of such Platform would also be applicable with respect to usage of the Mobile Application. Further, the Company shall not be liable in case there are any issues attributable to the App.

13. Network access and devices

You are responsible for obtaining the data network access necessary to use the App. Your wireless or mobile networks data and messaging rates and fees may apply when you access or use the App from a device and you shall be responsible for such rates and fees. You are responsible for acquiring and updating compatible hardware or devices necessary to access and use the App and any updates thereto. the Company does not guarantee that the App, or any portion thereof, will function on any particular hardware or devices. In addition, the App may be subject to malfunctions and delays inherent in the use of the internet and electronic communications.

14. Third-Party Beneficiaries and Third-Party Service Providers

If you access the App using digital distribution services or devices of Apple Inc., Alphabet Inc., Microsoft Corporation or Blackberry Ltd and/or their applicable international subsidiaries and affiliates, they will be third-party beneficiaries to this contract. These third-party beneficiaries are not parties to this contract and are not responsible for the provision or support to the App in any manner.

Further, the App may be made available or accessed in connection with third-party services and content including advertising that the Company does not control. Your access to the App using these services or devices is subject to the terms set forth in the applicable third-party terms of service. The Company does not guarantee the quality, suitability, safety or ability of such third-party service providers. You acknowledge that the different terms of use and privacy policies may apply to your use of such third-party services and content as may be required by such third party service providers. The Company does not endorse such third-party services and content and not in no event shall be responsible or liable for any products or services of such third-party service providers.

The Company would be using your phone number for signing up and adding your number as credentials.

15. Disclaimer of Liability

a) The Company will make best efforts to do so but does not warrant that the App or any affiliate site(s) or network system linked to it is free of any operational errors nor does it warrant that it will be free of any virus, computer contaminant, worm, or other harmful components. The Company does not warrant that the App will be constantly available, or available at all or the information on the App is complete, true, accurate. The App and all the materials and information (including but not limited to software) made available to the User through the App are provided on "as is" and "as available" basis without any representation or warranties, express or implied. the Company and its affiliates, and its and their third-party licensors, expressly disclaim to the fullest extent permitted by law all warranties, whether express, implied, statutory or otherwise, including, without limitation, the warranties of accuracy, timeliness, quality, availability, fitness for a particular purpose, likely results, suitability, completeness, usefulness, reliability or non-infringement of proprietary rights or that the App will be uninterrupted or error free.

b) The Company further disclaims all liability for any technical malfunction of the App, including but not limited to failure of any feature of the App, computer systems, servers or providers, computer or mobile phone equipment, software, failure of email delivery (including attachments), account login, as a result of technical problems or traffic congestion on the internet or any third party website, third party application/ API or tampering of data by unauthorized persons like hackers, distributed denial of

service attacks, virus attacks, war and natural calamities etc, or combination thereof, including injury or damage to your or to any other person’s computer, mobile device or other hardware or software and/or loss or corruption of any data. You agree that the entire risk out of the use of the App, and any services or goods requested in connection therewith, remain solely with you, to the maximum extent permitted under applicable law.

c) Other than as expressly stated herein or as required by law, the User Content is provided “as is” and the Company does not make any specific commitments or warranties about the mobile App/ website. For example, We don’t make any warranties about: (a) the Use Content provided through the mobile App/ website; (b) the specific features of the mobile App/ website, or its accuracy, reliability, availability, or ability to meet your needs; or (c) that any content you submit will be accessible on the mobile App.

16. Confidentiality

a) You understand and agree that by using the App, you may have access to confidential information of the Company, whether or not marked as confidential. The Company’s confidential information includes any information provided by us on the App, including information of our clients, affiliates, business partners. You shall hold such information in confidence and not, without our consent, disclose it to a third party or use it for any purpose other than for usage of the App. This obligation of confidentiality shall not apply to information that is generally available to the public through no act or omission of yours or becomes known to you through a third party with no obligation of confidentiality, or is required to be disclosed by law, court or by any government or regulatory authority. You are requested to read and refer to our Privacy Policy for more information on the confidentiality obligations.

b) We do not guarantee any confidentiality with respect to User Content even if it is not published on our App. You shall be solely responsible for maintaining confidentiality of User Content, whether belonging to you or relevant third parties including but not limited to passwords, any bank details, personally identifiable information, your identity and the identity of relevant third parties and all activities performed through or by using your account on the App. It is solely your responsibility to monitor and protect any intellectual property rights and/or proprietary information that may be contained in your User Content, and we do not accept any responsibility for the same.

17. Responsibility for Permitted Users

a) Based on certain details required by us, and which are to be provided by the User, we may allow certain persons (“Permitted Users”), in a form and manner determined solely at our discretion, to download, access, view, visit, scroll through, browse through, interact with, register on, use (“Use”) the App, on User’s behalf. User shall ensure that the App is Used at all points in time by only such Permitted Users as (i) have been verified and authorized by the User to Use the App on User’s behalf (ii) have obtained prior clearance and permission from us to Use the App. User shall also ensure that the App is Used by the Permitted Users in accordance with these Terms. User shall be liable in accordance with the Terms and other remedies available to us under law (including any equitable remedies) for any violation of Terms by any Permitted User. User shall promptly inform us in case i) User wishes to suspend or terminate Use of the App by any Permitted User on User’s behalf ii) any details basis which we had given clearance and permission to the Permitted User to Use the App, undergoes any change. In case the User under this Clause is a corporate entity, the director/proprietor/or such person in position of authority of such corporate entity as agreed with us, will be responsible for compliance with this Clause.

b) In case you are a Permitted User under this Clause 13, the Terms apply to you in a manner applicable to any User of the App, and you agree to be bound by the Terms accordingly.

18. Limitation of Liability

Under no circumstances shall the Company or its affiliates, or its or their third-party service providers or licensors (“Company Entities”), be liable to any person on account of access, use or misuse of or

reliance on the App. In no event, shall Company Entities be, severally or jointly, held liable for any special, incidental, indirect, consequential damages, exemplary or punitive damages of any kind including any lost data, lost profits, personal injury or property damages related to, in connection with, or otherwise resulting from any use of the App, whether such claim is based on warranty, contract, tort (including negligence), indemnity, or otherwise, even if the User has been informed in advance of the possibility of such damages. Further, the Company shall not be liable for any damages, liabilities or losses arising out of (i) your inability to access or use the App, or (ii) any transaction or relationship between you and any third-party provider arising through the App or otherwise, even if the Company has been advised of the possibility of such damages. The Company shall not be liable for delay or failure in performance resulting from causes beyond the Company’s reasonable control. In no event shall the Company’s total liability to you under these Terms for all damages, losses and causes of action exceed Rs. 15,000/-.

19. Indemnity

The User shall indemnify and hold harmless the Company, its affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any allegations, claim or demand, damage, liability, loss, obligation, cost, expense or actions including reasonable attorneys’ fees, made by any third party or penalty imposed due to or arising out of the User’s usage of the App, breach of these Terms, privacy policy and other policies, User Content and any other information provided by the User or User’s violation of any law, rules or regulations or the rights of a third party (including but not limited to infringement of intellectual property rights, unauthorized sharing or disclosure of third party data). It is further clarified that in case this Clause becomes applicable due to any action or omission by a Permitted User, such User on whose behalf Permitted Users are authorized by us to Use the App, shall be held liable under this Clause.

20. Trademark, Copyright and Restriction

The App is controlled and operated by the Company. All material and information on the App, including images, illustrations, audio clips, and video clips, are protected by the Company’s copyrights, trademarks, and other intellectual property rights. Any material and information on the App is solely for use in accordance with these Terms and the privacy policy. You must not without the prior written of the Company, copy, reproduce, modify, republish, upload, post, transmit or distribute such material in any way, including by email or other electronic means and whether directly or indirectly and you must not assist any other person to do so.

21. Termination / Suspension of registration of User

These Terms will remain in full force and effect while you are a User of the App. Users shall be required to comply with the Terms hereof, failing which, the Company reserves the right to suspend, terminate any User or block access to or limit the usage of the App with respect to such a User. Without prejudice to the above, the Company may also suspend, terminate any User or block access to or limit the usage of the App if the conduct of any User is not in the best interest of any other user or the Company or for any reason whatsoever in the sole and absolute discretion of the Company. The Company reserves the right, at its sole discretion, to pursue all of its legal remedies, including but not limited to deletion of your User account/registration from the App and immediate termination of your registration with or ability to access the App and/or the Services provided to you by the Company, upon any breach by you of the Terms or if the Company is unable to verify or authenticate any information submitted by you on the App.

22. Compliance with Law

The User shall comply with all the applicable laws applicable to them respectively for using the App .

23. Governing Laws, Jurisdiction and Dispute Resolution

The Terms shall be governed by and be construed in accordance with the laws of India and the Courts of appropriate jurisdiction at Bangalore, Karnataka shall have exclusive jurisdiction over any and all matters. Notwithstanding anything contained herein, any and all differences and disputes whatsoever

arising out of this Agreement shall, in the first instance, be resolved mutually between the disputing parties. However, if such dispute is not resolved within a period of 30 (thirty) days from the receipt of written notice from one party to the other party identifying such dispute, the matter shall be referred for institutional arbitration (through a sole arbitrator mutually appointed by the Parties) by Bangalore International Mediation Arbitration and Conciliation Centre, under the BIMACC Rules of Arbitration. The award of the arbitrator shall be final and binding on the disputing parties. The Arbitration shall be conducted in English Language and the seat and venue of Arbitration shall be in Bangalore, Karnataka.

24. Assignment

The User shall not license, sell, transfer or assign your rights, obligations, or covenants under these Terms in any manner without the prior written consent of the Company. The Company may grant or withhold this consent in its sole discretion and subject to any conditions it deems appropriate. The Company may assign its rights to any of its affiliates, subsidiaries, or parent companies, or to any successor in interest of any business associated with the App without any prior notice to you.

25. Contact

All notices, requests, demands, and determinations for the Company under these Terms (other than routine operational communications) shall be sent to support.asli@affinidi.com.

26. Severability

If any provision of these Terms is deemed unlawful, invalid or unenforceable by a judicial court for any reason, then that provision shall be deemed severed from these Terms, and the remainder of the Terms shall continue in full force and effect.

27. Additional terms and conditions for Users

a) We offer access to an online platform bringing together Users, data partners, Service Partners (including but not limited to financial institutions, travel partners, technology partners, hospitality sector institutions, healthcare institutions, job matching platforms, educational institutions etc.) and other partners willing to abide by the Terms herein. Our Service Partners are engaged in rendering various kind of value addition Curated Services after being specifically requested by the Users through the App.

b) We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Terms, at any time. Any material changes made to these Terms shall be communicated to the Users maintained in our records, within a reasonable time from the date of modification.

c) We shall be using your phone number for signing up for the App & adding your information as credentials (so that you can use it later).

d) This login provided for the User is not transferable i.e. it is for the same person throughout the period of subscription.

e) The User undertakes that the data/information provided by him/her is true and correct in all respects.

f) This Curated Services shall not be utilized by the User for uploading/transmitting content which is illegal or objectionable in any manner.

g) The Company does not provide any assurance with respect to the Curated Services rendered by the Service Partners.

h) The Company neither guarantees nor offers any warranty about the credentials bonafides, status or otherwise of the Service Partner rendering the Curated Services.

i) All applications pertaining to the Curated Services shall be approved and sanctioned by the Service Partners and directly communicated to the Users.

j) By applying here for a Curated Services via App, the User hereby declares that all the particulars and information and details given/filled are true, correct, complete, and up to date in all respects.

k) User understands that the User may be required to install the mobile application (app) of the Service Partners and complete the application for Curated Services by providing additional information/ documentation in addition to the information provided, and it may form the basis of any application that the Service Partners, in their sole discretion, may decide to render. User understands and acknowledges that the User shall not be responsible/ liable in any manner whatsoever for sanction or rejection of your application for Curated Services.

l) User agrees and confirms that the Company and/or the Service Partners may contact and communicate with you over telephonic calls, SMS or WhatsApp on the mobile number mentioned herein, or through any other communication mode for the Purpose. User confirms that laws in relation to the unsolicited communication referred in "National Do Not Call Registry" (the "NDNC Registry") shall not be applicable for such communication/ calls/ SMSs received for the Purpose.

m) User hereby expressly and irrevocably consents to the Company and/or the Service Partners to collect, store, share, obtain and authenticate any aspect of your personal information and disclose such information to its agents/contractors, and to also use such information in the manner that may be required for the Purpose.

n) The Company neither guarantees nor warranties that there would be a satisfactory response or any response at all once the message is sent to the Service Partners for Curated Services.

28. Guidelines 

a) You shall not share any User Content which is obscene, pornographic, harmful for minors, discriminatory, spreading what may be considered as hate speech, inciting any form of violence or hatred against any persons or violates any laws of India, including without limitation, the Indian Penal Code,1860 and, the Information Technology Act, 2000 along with all rules and amendments made under such laws, or is barred from being shared by any laws of India. The Company reserves its right to remove such content immediately and also take legal action if required including blocking your access to the App/ suspending your registration. 

b) Although the Company has no obligation to screen, edit or monitor User Content, the User may, in the sole discretion of the Company, delete or remove such User Content at any time and for any reason, including for violating these terms or conditions or if User otherwise creates or are likely to create liability for the Company.

c) User shall not post contents that contain computer viruses, malware, or any other computer code designed to restrict the functionality of any computer resource.

The Company shall take strict and prompt action against those who violate these Guidelines. If the profile is reported for violating these aforementioned guidelines, then the profile may be suspended temporarily. In case of repeated breach of these guidelines, the Company may be compelled to terminate the account permanently and block the User from registering. The Company may also take necessary legal action against the User as may be required at the sole discretion of the Company.`,
  },
  {
    title: 'Privacy policy',
    content: `1. ABOUT THIS POLICY

1.1 This is the Privacy Policy for Affinidi India Private Limited (a private limited company incorporated in India and having its registered office at Plant 13, Extension Office, Pirojsha Nagar, Eastern Express Highway, Vikhroli (East), Mumbai, Mumbai City, Maharashtra, India, 400079 (“Company”). In this Privacy Policy, the terms “we”, “us” and “our” refers to The Company.

1.2 The Company maintains and operates this asli wallet application (“App”) for facilitating the storage of digital information of the end-users (“End-User(s)”) in a secure and private manner. The App serves as a digital platform for offering seamless way of usage across various curated services ("Purpose").

1.3 This Privacy Policy describes how we may collect, use, disclose and process your personal data when you: 
a)access or use our App and services; and/or 
b)provide us with your personal data.

1.4 We will only use your personal data where you have given us your consent or where we have other lawful basis for doing so, in the manner set out in this Privacy Policy.

1.5 By providing us with personal data, you acknowledge that our collection, use, disclosure and processing of personal data will be in accordance with this Policy, including, for the avoidance of doubt, the cross-jurisdictional transfer of your data. DO NOT provide any personal data to us if you do not accept this Privacy Policy.

1.6 This Privacy Policy supplements but does not supersede or replace any consents you may have provided to us, or any other agreements or arrangements that you may have with us, in respect of your personal data.

1.7 The App may contain links to other applications/ websites that are not owned or maintained by us. These links are provided only for your convenience. You may also be accessing our Websites through third party websites and/or platforms. This Privacy Policy only applies to our Websites. When visiting these third party websites, their privacy policies apply.

1.8 By signing up or accessing the App or using our services, you expressively give us your consent to use and disclose your personal data in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not accord your consent to this Privacy Policy or use our services or access the App.

1.9 If you have any feedback or issues in relation to your personal data, or about this Privacy Policy, or wish to make a complaint to us, you may contact our grievance officer on :

Email : grievance.asli@affinidi.com

When you contact us, we may require that you submit certain forms or provide certain information, including verification of your identity, before we are able to respond.

2. AMENDMENTS TO THIS PRIVACY POLICY

2.1 We may amend this Privacy Policy from time to time in compliance with applicable laws or as we update our data usage and handling processes. Any such update/amendment/modification to the existing privacy policy shall be duly publicized on the App for your clarity. The updated policy will supersede earlier versions and will apply to personal data provided to us previously . The updated Privacy Policy will take effect from the time it is made available on the App. If we make a change that significantly reduces your rights or, to the extent we are permitted to do so, significantly changes how or why we use personal data, we will notify you by way of a prominent notice on our App or, if we have your email address, by email.

3. WHAT PERSONAL DATA WE COLLECT

3.1 What is personal data. The types of personal data we may collect include:

a) Identity and Contact Data. This includes your name, gender, address, contact details, telephone numbers, email address, geographic location, age range (to ensure that you are of a legally valid age group);

b) Profile Data. This includes: 
(a) unique identifiers such as your username, decentralised identifier, account number or password, and 
(b) details of your use of our products and services;

c) Feedback, messages and survey responses. This includes any messaging you send us in a service request, question or concern including via whatsapp, email, telephone or via the App.

d) Verifiable Credentials. This contains personal data which are either issued by you (as Issuer) or to you (as Holder). In these Terms, “Verifiable Credentials” shall refer to tamper-evident data in a machine-readable format (i.e. expressed as structured code) that contains information / pertains to a certain data point about a natural person or legal entity.

e) Personal data collected from cookies and similar technologies. We use commonly used tools to automatically collect information that may contain Personal data from your computer or mobile device as you visit our Apps or in general use our services. This includes your internet protocol (IP) addresses, browser and device information, internet service partners (ISP), referring/exit pages, the files viewed on our Apps (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data. Refer to section 6 below for more information.

f) Professional information. We will require your professional information like your education, work experience, employment details, skills, photo, city or area which would help you to get more from our services.

g) Contact List. We may require access to your contacts list on your mobile device. We always ask for your consent before accessing your contacts list and you have the option to deny us the access to your contacts list. However, you will be able to share content from the App with your contacts only after you have provided us the permission to access the contacts for this purpose.

h) Camera & Gallery/ Storage Permission. We would require permission from you to access the camera to enable a feature of clicking and/ or upload of photos of the digital information.

i) Other information. Any other information of a personal nature that you voluntarily provide to us in the course of your use of our Apps and/or services.

3.2 Voluntary provision of personal data. We may collect personal data 

(1)that you voluntarily provide to us; or 

(2) from third parties; or 

(3)through your use of our (or our services provider’s) digital technologies and services (Please see Section 4 How We Collect Personal Data for further details). What personal data we collect depends on the purposes for which the personal data is collected and what you have chosen to provide.

When our collection is based on consent, you can choose not to provide us with personal data. You also have the right to withdraw your consent for us to continue collecting, using, disclosing and processing your personal data, by contacting us in accordance with paragraph 1.9. Further, please do not add or post your data if you do not want to be publicly available. However, if you do so, it may not be possible for us to fulfil the purposes for which we require the personal data, including processing your transactions or providing you with the products and services that you require.

3.3 Providing personal data belonging to others. In certain circumstances, you may also provide us with personal data of persons other than yourself (such as your family members and friends). If you do so, you represent and warrant that you have brought this Privacy Policy to his/her attention, informed him/her of the purposes for which we are collecting his/her personal data and that he/she has consented to your disclosure of his/her personal data to us for those purposes and accepts this Privacy Policy. You agree to indemnify and hold us harmless from and against any and all claims by such individuals relating to our collection, use and disclosure of such personal data in accordance with the terms of this Privacy Policy.

a) Accuracy and completeness of personal data. You are responsible for ensuring that all personal data that you provide to us is true, accurate and complete. You are responsible for informing us of any changes to your personal data.

3.4 Minors. The App and/or services are not intended to be accessed or used by children, minors or persons who are not of legal age. If you are a parent or guardian and you have reason to believe your child or ward has provided us with their personal data without your consent, please contact us.

3.5 Verifiable Credentials. You acknowledge and consent to the collection, use, disclosure, processing, transfer and storage of your personal data by us and/or third party service partners that facilitate the transactions and activities between you and other users or third parties on or through our App, for the purposes of generating, creating, providing, storing, processing, facilitating, transferring, transmitting and managing Verifiable Credentials. You acknowledge and consent for us (or our service partners) to disclose your data and information (including Verifiable Credentials) to third parties at your instruction and/or direction.

4. HOW WE COLLECT PERSONAL DATA

4.1 Personal data you provide. We collect personal data that is relevant to our relationship with you. We may collect your personal data directly or indirectly through various channels, such as when: 

a) you access, download or use our App and services; 

b) you authorise us to obtain your personal data from a third party; 

c) you enter into agreements with us; 

d) you transact with us, contact us or request that we contact you through various communication channels, for example, through social media platforms, messenger platforms, face-to-face meetings, telephone calls, emails, fax and letters; 

e) you request to be included in an e-mail or our mailing list; 

f) we seek information about you and receive your personal data in connection with your relationship with us; and 

g) when you submit your personal data to us for any other reason.

4.2 Personal data provided by others. Depending on your relationship with us, we may also collect your personal data from third party sources, for example, from:

a) any third parties whom you have authorised us to obtain your personal data from; and/or 

b) your family members or friends who provide your personal data to us on your behalf.

5. WHAT WE DO WITH YOUR PERSONAL DATA

What we do. We collect, use, disclose and process your personal data where:

a) you have voluntarily provided us with your personal data; 

b) you have given us consent; necessary to comply with our legal or regulatory obligations, e.g. responding to valid requests from public authorities;

c) necessary to support our legitimate business interests, provided that this does not override your interests or rights; and 

d) necessary to perform a transaction which you have entered into with us or which you have instructed us to perform, or provide a service that you have requested or require from us.

5.2 General purposes. We collect, use, disclose and process your personal data for purposes connected or relevant to our business, to manage your relationship with us. Such purposes would include:

a) carrying out your transactions/ availing services with us, taking steps as may be directed by you, or to provide our products and/or services to you; 

b) facilitating your use of the App, including verifying and establishing your identity; 

c) facilitating business asset transactions; 

d) communicating with you, and assisting you with your queries, requests, websites, complaints, and feedback; 

e) resolving any disputes, investigating any complaint, claim or dispute or any actual or suspected illegal or unlawful conduct; 

f) facilitates storage of all  digital information in a secure and private manner; 

g) offers seamless way to use the digital information across various value addition curated services including but not limited to hotel check-ins, financial services, travel services, technology services, hospitality sector institutions, healthcare institutions, job matching platforms, educational institutions etc. in hassle free manner; 

h) offers the document holders to undertake ownership and exchange of the digital information securely;

i) offers the document holders to assume control or limit granting of access of digital information with third parties;

j) for providing our services and making payment of consideration for the services being rendered including to send alerts, send communication relating to our value addition services, facilitate communication between the End-Users and service partners; 

k) to conduct background checks or verification of the Personal Information and other details, whether by ourselves or through duly authorized parties, as required for providing our services or as required by the service partners for rendering various value addition curated services including but not limited to hotel check-ins, financial services, travel services, technology services, hospitality sector institutions, healthcare institutions, job matching platforms, educational institutions etc. in hassle free manner; 

l) for protecting the Personal Information as required by applicable law and providing customer support;

m) to give relevant search results;

n) to communicate with the user or any third parties for providing our services;

o) to contact you or relevant third parties for conducting market research to improve the app and our services.

p) to improve your experience and the overall quality of our services; whether based on your feedback or based on analysis of your behaviour;

q) to personalize your experience and better our responses to match your requirements, wherever possible.

r) administrative purposes, including finance, IT and HR purposes, quality assurance and staff training, and compliance with internal policies and procedures, including audit, accounting, risk management and record keeping;

s) carrying out research and statistical analysis, including development of new products and services or evaluation and improvement of our existing products and services; 

t) security purposes e.g. protecting our App from unauthorised access or usage and to monitor for security threats; 

u) compliance with any legal or regulatory obligations, applicable laws, regulations, codes of practices, guidelines, or rules, or to assist in law enforcement and investigations conducted by any governmental and/or regulatory authority; 

v) performing data analytics and related technologies on data, to enable us to deliver relevant content and information to you, and to improve our App and digital platforms; 

w) managing and engaging third parties or data processors that provide services to us, e.g. IT services, technological services, delivery services, and other professional services; 

x) carrying out our legitimate business interests; 

y) to update and back-up our records; 

z) preventing, detecting, investigating and taking action against crimes, any other illegal activities, suspected fraud in any jurisdiction; 

aa) such purposes that may be informed to you when your personal data is collected; and/or 

bb) any other reasonable purposes related to the aforesaid

Where personal data is used for a new purpose and where required under applicable law, we shall obtain your consent.

5.3 Legitimate business interests. In accordance with law, we may also collect, use, disclose and process your personal data for the following purposes to support our legitimate business interests, which include:

a) managing our business and relationship with you, and providing services to our customers; 

b) assistance of carrying out corporate restructuring plans; 

c) complying with internal policies, and procedures; 

d) protecting our rights and interests, and those of our customers; 

e) enforcing our terms and conditions, and obligations owed to us, or protecting ourselves from legal liability; 

f) managing our investor and shareholder relations; and 

g) process or share your personal data to facilitate acquisitions, mergers, or transfers of our business; and 

h) rendering various services pertaining to digital storage of verified personal information.

5.4 Marketing purposes. In order for us to market products, events and services which are of specific interest and relevance to you, we may analyse and rely on your personal data provided to us, or data collected from your interactions with us However, no marketing, using your personal data in non-aggregated and/or identifiable form would be carried out unless you have provided us with your consent to use your personal data for such marketing purposes. If you do not want us to use your personal data for the purposes of marketing you can withdraw your consent at any time by contacting us in accordance with paragraph 1.9 above.

5.5 Use permitted under applicable laws. We may also collect, use, disclose and process your personal data for other purposes, without your knowledge or consent, where this is required or permitted by law. Your personal data may be processed if it is necessary on reasonable request by a law enforcement or regulatory authority, body or agency or in the defence of a legal claim. We will not delete personal data if relevant to an investigation or a dispute. It will continue to be stored until those issues are fully resolved.

5.6 Contacting you. When we contact or send you information for the above purposes and purposes for which you have consented, we may do so by post, e-mail, SMS, telephone or such other means provided by you. If you do not wish to receive any communication or information from us, or wish to restrict the manner by which we may contact or send you information, you may contact us in accordance with paragraph 1.9 above.

6. USE OF AUTOMATED DATA COLLECTION TECHNOLOGIES

6.1 Automated Data Collection Technologies. In order to improve our products or services, we collect data by way of “cookies”. A cookie is a small file of letters and numbers that we store via your browser on the hard drive of your computer or mobile device. We use third party cookies, which are placed by someone other than us which may gather data across multiple App or sessions.

6.2 How we use Automated Data Collection Technologies. We use cookies and other similar technologies to collect personal data for the purposes of:

a) analyzing trends and App performance; 

b) product development; 

c) administering the App; 

d) to count users who have visited our Site and collect other types of information including insights about visitors’ browsing habits on the App; 

e) gathering demographic information about our user base as a whole; 

f) to learn what parts of our App are most popular and what kind of features and functionalities our visitors like to see; 

g) to help us understand the type of marketing content that is most likely to appeal to our visitors and Customers;

h) to store your login sessions so that you need not provide login details on each new page; and 

i) to help us with the selection of future product and service lines, App design and to remember your preferences.

Information collected by these cookies is used only to improve your use of our App. These cookies are sometimes placed by third party providers of web traffic and analysis services.

6.3 Automated Data Collection Technologies we use. A list of the cookies and similar technologies used in our App are as follows:

Name of cookie Why it is used Company Third party privacy policies User controls Essential cookies (By "essential", we mean that the App cannot function normally without them):

- auth - refresh_token - access_token - id_token

These cookies serve the purpose of enabling the user to authenticate into the Developer Portal. These ookies store your login sessions, meaning that when you log in to your account, the App remembers that you have already logged in.

The Company N.A. It is only appliable once the user gives consent by clicking "accept" in the privacy notice banner.

Google Analytics:

This allows us to analyse patterns of visitor and client behaviour. We use that information to enhance the overall experience or identify areas of the App which may require maintenance. The information is anonymous (i.e. it cannot be used to identify you and does not contain personal information such as your name and email address), and it is only used for statistical purposes. Google www.google.com/policies/privacy/partners/. For tracking general user information for analytical purposes, the following cookie is used. It is only appliable once the user gives consent by clicking "accept" in the privacy notice banner.

Facebook pixel This allows us to track visitors as they interact with our business both on and off of Facebook and Instagram. For example, if you visited our App through clicking on a Facebook advertisement, Facebook pixel will trigger the cookie and may deliver personalised ads regarding our App and services to you via their platforms. Facebook Privacy and data use business hub (facebook.com) For tracking general user information for analytical purposes, the following cookie is used. It is only appliable once the user gives consent by clicking "accept" in the privacy notice banner.

Moengage Click stream data to understand user behaviour on the platform Moengage Inc. https://www.moengage.com/privacy-policy/ No specific consent required Appsflyer Signups referrers Appsflyer Ltd. https://www.appsflyer.com/legal/privacy-policy/ No such permission taken Where we allow third parties identified above to drop cookies or similar technologies, we have no control over those technologies or the data generated. Please refer to the third party's privacy policy for information on what information they collect and how they use it.

6.4 Refusing or deleting cookies. Most internet browsers are set up by default to accept cookies. However, if you want to refuse or delete them (or similar technologies) please refer to the help and support area on your browser for instructions on how to block or delete cookies (for example: Internet Explorer, Google Chrome, Mozilla Firefox and Safari). Please note you may not be able to take advantage of all the features of our App, including certain personalised features, if you delete or refuse cookies.

6.5 Mobile Opt-out. If you access our App through mobile devices, you can enable a "do not track" feature so as to control interest-based advertising on an iOS or Android mobile device in the privacy section of your Settings on iOS or via advertising preferences on Android devices (e.g. in Google Settings). This will not prevent the display of advertisements but will mean that they will no longer be personalised to your interests.

6.6 Changes to our uses of Automated Data Collection Technologies. If we change anything important about this paragraph 6 on cookies, we will notify you through a pop-up on the App for a reasonable length of time prior to and following the change. You may review this paragraph by visiting the sites and clicking on the “Privacy Policy” link.

7. DISCLOSURE OF PERSONAL DATA

7.1 Disclosure to related parties. We may disclose or share your personal data with our related parties in order to provide our services to you, for management and compliance purposes, and to utilise shared group IT functions.

7.2 Disclosure to third parties. We may also disclose your personal data to third parties in connection with purposes described in paragraph 5, including without limitation the following circumstances:

a) disclosing your personal data to third parties who provide services to us (including, but not limited to data providers, technology providers, insurance providers, and other professional services (including accountants, lawyers and auditors)); 

b) disclosing your personal data to our group companies, business partners, suppliers and sub-contractors who may use this information to help provide, understand, and improve the services and their own services for the performance of any contract we enter into with you. 

c) disclosing your personal data to other users or third parties for the purposes of any transaction; 

d) disclosing your personal data to third parties in order to fulfil such third party products and/or services as may be requested or directed by you;

e) disclosing your personal data to authorities, governments, law enforcement agencies or public agencies if required by applicable laws to do so; 

f) If we are discussing, selling or transferring part or all of our business – the information may be transferred to prospective purchasers under suitable terms as to confidentiality; 

g) If we are reorganised or sold, information may be transferred to a buyer who can continue to provide continued relationship with you; and 

h) If we are defending a legal claim your information may be transferred as required in connection with defending such claim.

7.3 When disclosing personal data to third parties, we will (where appropriate and permissible) enter into contracts with these third parties to protect your personal data in a manner that is consistent with all applicable laws and/or ensure that they only process your personal data in accordance with our instructions.

7.4 When you share content and communicate using our App, you choose the audience for what you share. For example, when you post any content from our Apps on Facebook, you select the audience for the post, such as a friend, a group of friends or all of your friends. Similarly, when you use WhatsApp or any other application on your mobile device to share the details, you choose who you share the content with. We do not control and shall not be liable for the manner, in which such persons (with whom you choose to share content via any sharing options, such as WhatsApp or Facebook, available on our App) use the information that you share with them.

8. TRANSFER OF PERSONAL DATA TO OTHER COUNTRIES

8.1 Transfers. We may transfer your personal data to different jurisdictions in connection with the purposes described in paragraph 5:

a) from the jurisdiction where it is collected (or where you are located) to any other jurisdictions that we operate in; and 

b) to third parties in other jurisdictions.

8.2 Safeguards. Where we transfer your personal data across jurisdictions, we will ensure that your personal data is protected in accordance with this policy and applicable laws regardless of the jurisdictions they are transferred to, but in any event to a level that is no less stringent than the jurisdiction from which the personal data is transferred.

9. SECURITY AND RETENTION OF PERSONAL DATA

9.1 Unauthorised access. While we take reasonable precautions to safeguard your personal data in our possession or under our control, you agree not to hold us liable or responsible for any loss or damage resulting from unauthorised or unintended access that is beyond our control, such as hacking or cybercrimes.

9.2 Vulnerabilities. We do not make any warranty, guarantee, or representation that your use of our systems or App is safe and protected from malware, and other vulnerabilities. We also do not guarantee the security of data that you choose to send us electronically. Sending such data is entirely at your own risk.

9.3 Storage. We shall store the data with Multiple layers of data storage [ DynamoDB, Encrypted data vault, PostgreSQL, Cognito ] platform provided by AWS. The privacy policy adopted by the server provider are available at https://aws.amazon.com/privacy/.

9.4 Period of retention. We retain your personal data only for as long as is necessary to fulfil the purposes we collected it for, and to satisfy our business and/or legal purposes, including data analytics, audit, accounting or reporting purposes. How long we keep your personal data depends on the nature of the data, e.g. we keep personal data for at least the duration of the limitation period for bringing claims if the personal data may be required to commence or defend legal proceedings. Some information may also be retained for longer, e.g. where we are required to do so by law. Where you have subscribed to receive marketing correspondence from the Company, we will retain your personal data for marketing purposes whilst your account remains active Provided however, you shall have the option to request deletion of the personal data which you have shared with us and we shall delete the same within ___ days/hours of receiving such request. However, copies of any public content may be retained indefinitely in our systems, including in cached and archived pages of our App, or if other users have copied or saved that information. In addition, due to the nature of the internet, copies of your content, including content that you have removed or deleted from your account, may also exist elsewhere on the Internet, and be retained indefinitely.

9.5 Anonymised data. In some circumstances we may anonymise your personal data so that it can no longer be associated with you, in which case we are entitled to retain and use such data without restriction.

We understand the importance of keeping your personal data private and secure. We have implemented appropriate technical and organisational security measures to prevent unlawful or unauthorised use or accidental loss of personal data. Please be informed despite our best efforts, no security measures are impenetrable. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of your personal data. We do not warrant or guarantee in any way that your personal data or private communications will always remain private and/or safe, and we hereby disclaim, to the fullest extent permissible by law, any responsibility or liability directly or indirectly arising out of or in connection with any loss, theft, or unauthorized access, collection, use, disclosure, copying, modification, disposal or similar actions with regard to any personal data held or maintained by us.

10. YOUR RIGHTS

10.1 Rights you may enjoy. Depending on the jurisdiction that you are in or where we operate, you may enjoy certain rights under applicable law in relation to our collection, use, disclosure and processing of your personal data. Such rights may include:

a) Access: you may ask us if we hold your personal data and, if we are, you can request access to your personal data. This enables you to receive a copy of and information on the personal data we hold about you.

b) Correction: you may request that any incomplete or inaccurate personal data we hold about you is corrected. 

c) Erasure: you may ask us to delete or remove personal data that we hold about you in certain circumstances.

d) Restriction: you may withdraw consent for our use of your personal data, or ask us to suspend the processing of certain of your personal data about you, for example if you want us to establish its accuracy.

e) Portability: you may request the transfer of certain of your personal data to another party under certain conditions. 

f) Objection: where we are processing your personal data based on a legitimate interest (or those of a third party) you may object to processing on this ground.

If you wish to exercise any of your rights, you may contact us in accordance with paragraph 1.9. We may require that you submit certain forms or provide certain information to process your request. Where permitted by law, we may also charge you a fee to process your request.

10.2 Limitations. We may be permitted under applicable laws to refuse a request, for example, we may refuse 

(a) a request for erasure where the personal data is required for in connection with claims; or 

(b) an objection request and continue processing your personal data based on compelling legitimate grounds for the processing.

11. DISCLAIMER

11.1 If you have any questions regarding this privacy policy or the protection of your personal data, please contact our grievance officer.

11.2 We may also implement hyperlinks to the App of our commercial partners and other third parties. If you click on such links, you are choosing to visit such apps/ websites, and will be redirected thereto. If you click on a third party link, our Privacy Policy are no longer applicable and your browsing is at your own risk. We are not responsible for the privacy and personal data practices used by such third parties (including any tools, cookies, information or content contained thereinto), and we do not have control over the manner in which such third parties may collect, process, treat or use your personal data. You are strongly advised to check the privacy settings, policies and/or notices applicable to such third party sites and services prior to browsing or using such third party Apps and/or services. In addition, any banner or ad that we have on our App does not constitute any endorsement of any third party thereof.

11.3 We suggest that you should check the respective privacy policies for the aforesaid third parties to help you understand what data these organisations hold about you and how they process it.
  `,
  },
];