Privacy Policy

This Privacy Policy applies to Settlhood Technologies Private Limited ("Settl" or "the Company"), a company incorporated under the Companies Act, 2013, with its registered office at No-915, Syndicate Bank Colony, Anna Nagar West Extension, Chennai, Tamil Nadu- 600101, and its subsidiaries, holding company, and affiliates. The Company owns the websites www.settlnow.com and the mobile application 'Settl' (collectively, the "Platform").

This Privacy Policy describes the policies and procedures applicable to the collection, use, storage, disclosure, and protection of your information shared with us while you use the Platform. For the purpose of this Privacy Policy, "We," "Us," or "Our" refers to Settlhood Technologies Private Limited and its subsidiaries, holding company, and affiliates, wherever context so requires, and the terms "You," "Your," "Yourself," or "User" refer to the user of the Platform. We value the trust you place in us. That is why we maintain reasonable security standards for securing the transactions and your information.

Please read the Privacy Policy carefully before using or registering on the Platform or accessing any material, information, or availing any services through the Platform.

This Privacy Policy specifies the manner in which your information is collected, received, stored, processed, disclosed, transferred, dealt with, or otherwise handled by us. This Privacy Policy does not apply to information that you provide to, or that is collected by, any third-party through the Platform, and any third-party sites that you access or use in connection with the services offered on the Platform.

By visiting the Platform or setting up/creating a user account ("Account") on the Platform, you accept and agree to be bound by the terms and conditions of this Privacy Policy and consent to us collecting, storing, processing, transferring, and sharing information, including your personal information, in accordance with this Privacy Policy.

Further, if you are under the age of 18 years, you (i) accept and acknowledge that you are accessing the Platform through a parent or a legal guardian who is of a legal age to form a binding contract under the Indian Contract Act, 1872, and such person has accepted this Privacy Policy on your behalf to bind you; and (ii) hereby acknowledge that you are accessing this Platform under the supervision of your parent or legal guardian and have their express permission to use the services.

We may update this Privacy Policy to comply with business, regulatory, or administrative requirements. If we make any significant changes to this Privacy Policy, we may endeavor to provide you with reasonable notice of such changes, such as via prominent notice on the Platform or any other communication channels on record. To the extent permitted under applicable law, your continued use of the services after we publish or send a notice about the changes to this Privacy Policy shall constitute your consent to the updated Privacy Policy.

This Privacy Policy is incorporated into and subject to the terms of use available on the Platform ("Terms") and shall be read harmoniously and in conjunction with the Terms. All capitalized terms used herein but not defined under this Privacy Policy shall have the meaning ascribed to them under the Terms.

1. Collection of Information

We collect various information from you when you access or visit the Platform, register or set up an Account on the Platform, or use the Platform. You may browse certain sections of the Platform and the content without registering an Account on the Platform. However, to avail certain services on the Platform, you are required to set up an Account on the Platform. This Privacy Policy applies to information(s), as mentioned below and collected about you:

a) Personal Information

You may provide certain information to us voluntarily while registering on the Platform for availing services, including but not limited to your complete name, mobile number, email address, date of birth, gender, age, address details, KYC-related information such as Permanent Account Number (PAN), passport, driving license, voter's identity card issued by the Election Commission of India, or any other document recognized by the Government for identification, income details, your business or professional details, videos or other online/offline verification documents as mandated by relevant regulatory authorities, your health and lifestyle-related information, and any other information voluntarily provided through the Platform, together with your internet protocol address, web request, operating system, browser type, other browsing information (connection, speed, connection type, etc.), device type, the duration and time of your visit on the Platform, and other similar information.

b) Information from Third Parties

We may receive information about you from third parties, including but not limited to social media platforms, payment processors, and other service providers. This information may include your profile information, contact details, and other data that you have made available on such platforms.

c) Automatically Collected Information

When you use the Platform, we automatically collect certain information about your device and usage patterns, including but not limited to your IP address, browser type, operating system, device information, pages visited, time spent on pages, and other similar information.

2. Use of Information

We use the information collected from you for various purposes, including but not limited to:

• Providing and improving our services
• Processing transactions and orders
• Communicating with you about our services
• Personalizing your experience on the Platform
• Complying with legal and regulatory requirements
• Preventing fraud and ensuring security
• Marketing and promotional activities (with your consent)

3. Information Sharing and Disclosure

We may share your information with third parties in the following circumstances:

• With service providers who assist us in operating the Platform
• With sellers and delivery partners to fulfill your orders
• When required by law or to protect our rights
• In case of a business transfer or merger
• With your explicit consent

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Your Rights

You have certain rights regarding your personal information, including:

• Right to access your personal information
• Right to correct inaccurate information
• Right to delete your personal information
• Right to restrict processing of your information
• Right to data portability
• Right to object to processing

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on the Platform, analyze usage patterns, and provide personalized content. You can control cookie settings through your browser preferences.

7. Third-Party Links

The Platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such third parties. We encourage you to read the privacy policies of any third-party sites you visit.

8. Children's Privacy

Our services are not directed to children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

9. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on the Platform and updating the "Last Updated" date. Your continued use of the Platform after such changes constitutes acceptance of the updated Privacy Policy.

10. Contact Information

If you have any questions about this Privacy Policy or our privacy practices, please contact us at: