While registering on or accessing the BeyondIRR Platform and/or the Sites or while using Our Services, You may be required to provide, some information about yourself, on a voluntary basis. We may also ask You to provide certain additional information on from time to time or retrieve information about You from third parties. All information disclosed by You shall be disclosed willingly on a voluntary basis and without any coercion. Also, in some instances You might have to provide certain information on a mandatory basis (such as KYC information).

A. Information supplied by users

The Company shall collect Personal Information about the User, including, without limitation, at the time of:

1. Registering or setting up an account on the BeyondIRR Platform and/or the Sites
2. While filling up forms

While availing any products or services Users may be required to provide certain personal information for the registration process that may include but not limited to:

1. Name
2. PAN
3. Email id
4. Mobile Number
5. Marital Status
6. Bank Account Number
7. Address
8. Medical Records and History
9. Nominee details
10. Risk profile related aspects
11. Date of Birth
12. Signature
13. Income Details
14. Documents like Address proof or Bank Statements) and other related information. The Company shall also collect non-personal information pertaining to the behaviour of the User (behavioural information), while using or browsing through the BeyondIRR Platform and/or the Sites, messages posted by the User on the BeyondIRR Platform and/or the Sites, etc. When You register using Your other accounts like on Facebook, Twitter, Google, etc. we shall retrieve information from such accounts to continue to interact with You and to continue to provide the Services. Any personally identifiable information provided by You will not be considered as sensitive if it is freely available and/or accessible in the public domain like any comments, messages, blogs, scribbles available on social platforms like Facebook, Twitter, etc. Further, anything posted, uploaded, conveyed, or communicated by users on the public sections of the Sites becomes published content and is not considered personally identifiable information subject to this Privacy Policy. The Company, and its partners, vendors, service providers, etc. may also contact You from time to time through any mode of communication about updating Your personal information in order to provide the Users with such features that We believe may benefit or interest You. The Information is stored by the company on servers owned by its or its group companies or by third parties in India.

The Company shall also collect non-personal information pertaining to the behaviour of the User (behavioural information), while using or browsing through the BeyondIRR Platform, messages posted by the User on the BeyondIRR Platform, etc.

When You register using Your other accounts like on Facebook, Twitter, Google, etc. we shall retrieve information from such accounts to continue to interact with You and to continue to provide the Services.

Any personally identifiable information provided by You will not be considered as sensitive if it is freely available and/or accessible in the public domain like any comments, messages, blogs, scribbles available on social platforms like Facebook, Twitter, etc. Further, anything posted, uploaded, conveyed, or communicated by users on the public sections of the Sites becomes published content and is not considered personally identifiable information subject to this Privacy Policy. The Company, and its partners, vendors, service providers, etc. may also contact You from time to time through any mode of communication about updating Your personal information in order to provide the Users with such features that We believe may benefit or interest You.

The Personal Information, any non-personal information and behavioural information (collectively called as Information) is stored by the company on servers owned by its or its group companies or by third parties in India.

Voluntary Information

We may collect additional information at other times, including but not limited to, when You provide feedback, comments, change Your content or email preferences, respond to a survey, or any communications with Us. However, in the event You wish to provide Us with Your Aadhaar information, You hereby agree and acknowledge that You are providing the same to Us purely on a voluntary basis only.

B. Information automatically collected or tracked during navigation Cookies

Cookies

To improve the responsiveness of the Sites for Our Users, We may use "Cookies", or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the User's individual interests using the identified computer or device. Unless You voluntarily identify Yourself (through registration, for example), We will have no way of knowing who You are, even if We assign a cookie to Your computer or device. The only personal information a cookie can contain is information You supply. A cookie cannot read data off Your hard drive or device. Our advertisers may also assign their own cookies to Your browser (if You click on their ads, etc.), a process that We do not control. We receive and store certain types of Information whenever You interact with Us via Our Site or Service though Your computer, laptop, netbook, mobile phone, tablet, or any other handheld device, etc.

Log File Information

We automatically collect limited information about Your computer's connection to the Internet, mobile number, including Your IP address, when You visit Our site, application, or service. Your IP address is a number that lets computers attached to the Internet know where to send Your data, such as the pages You view. We automatically receive and log information from Your browser, including but not limited to Your IP address, Your computer's name, Your operating system, browser type and version, CPU speed, and connection speed. We may also collect log information from Your device, including Your location, IP address, Your device's name, device's serial number or unique identification number (e.g. UDID on Your iOS device).

Clear GIFs

We may use "clear GIFs" (Web Beacons) to track the online usage patterns of Our Users in an anonymous manner, without personally identifying the User. We may also use clear GIFs in HTML-based emails sent to Our Users to track which emails are opened by recipients. We use this information to inter-alia deliver Our web pages to You upon request, to tailor Our Sites or Service to the interests of Our users, to measure traffic within Our Sites to improve the quality, functionality and interactivity of Our Sites and let advertisers know the geographic locations from where Our Users come without personally identifying the Users.

We may receive information about You from other sources, including, without limitation, such as KRA, CKYCR, Credit Bureaus, Account Aggregator, MF Central, e-CAS, CAS, and add it to Our account information and treat it in accordance with this Policy. If You provide information to any of Our vendors, service providers, partners (such as payment gateway providers), agencies etc., who provide services to Us, Your account information and order information may be passed on to Us.

Demographic and other information:

We may reference other sources of demographic and other information to provide You with more targeted communications and promotions. We use Google Analytics, among others, to track the user behaviour on Our Sites. Google Analytics specifically has been enabled to support display advertising towards helping Us gain understanding of Our users' demographics and interests. The reports are anonymous and cannot be associated with any individual personally identifiable information that You may have shared with Us. You can opt-out of Google Analytics for display advertising and customize Google Display Network ads using the Ads Settings options provided by Google.

Links to third party sites or ad-servers

The Sites may include links to other websites or applications. Such websites or applications are governed by their respective privacy policies, which are beyond Our control. Once You leave Our servers (You can tell where You are by checking the URL in the location bar on Your browser), use of any information You provide is governed by the privacy policy of the operator of the application, you are visiting. That privacy policy may differ from Ours. If You can't find the privacy policy of any of these sites via a link from the application's homepage, You should contact the application owners directly for more information. We do not provide any personally identifiable Information to third party websites, applications, advertisers, or ad-servers without Your consent except in the circumstances mentioned in this Policy or Terms of Use or in Terms and Conditions.

When We present Information to Our advertisers – to help them understand Our audience and confirm the value of advertising on Our Sites – it is usually in the form of aggregated statistics on traffic to various pages or content within Our Sites. We use third-party advertising companies to serve ads when You visit Our Sites. These companies may use Information (excluding Your name, address, email address or telephone number or other personally identifiable information) about Your visits to this and other websites or application, in order to provide advertisements about goods and services of interest to You.

We do not provide any personally identifiable information to third party websites, advertisers, or ad-servers without Your consent.

Information use by the company

The Personal Information provided by the User is used by the Company for the purposes, including, without limitation:

• Provide a smooth, safe and customized experience to the User on the BeyondIRR Platform and/or the Sites
• Provide seamless investment transaction experience with respect to third party products and services offered on the BeyondIRR Platform and/or the Sites
• Provide and promote its products and services on the BeyondIRR Platform and/or the Sites, general as well as customized, and improve the same from time to time
• Provide You the most user-friendly experience and for developing new services
• Analyse flow, track user trends, measure promotional effectiveness
• Provide additional features on the BeyondIRR Platform and/or the Sites through Cookies
• Protect the safety and integrity of the BeyondIRR Platform and/or the Sites, information and maintain the confidentiality of the User and their data
• Ensure smooth execution of transaction and payments
• Maintain, improve and provide Service (including personalization of the BeyondIRR Platform and/or the Sites)
• Inform the User about new or change in products, services, offers, updates, reminders, billing information, customer service(s), etc.
• To detect and/or prevent any fraudulent, criminal, and/or prohibited activity on the BeyondIRR Platform and/or the Sites
• To process Your request or respond to Your queries, grievances, and comments
• Send customized messages and notifications to You
• Communicate any change in Our products, services, Terms and Conditions, Privacy Policy
• Marketing and commercial communications regarding products and services
• Analyse Your behaviour on the BeyondIRR Platform and/or the Sites
• Facilitate Company's marketing, advertising and educational activities and initiatives
• Audit and investigate
• Update regarding third party services and products and services offered on other Sites
• Data analysis or analytics
• Pre-fill various forms
• Maintain User accounts
• Provide general information or updates
• For internal training and quality assurance purposes

We may also use Your email address or other personally identifiable information to send commercial or marketing messages about Our Services and/or such additional updates and features about third parties' products and services with an option to subscribe or unsubscribe. We may, however, use Your email address for non-marketing or administrative purposes (such as notifying You of major changes, for customer service purposes, billing, etc.).

The Company may share Your Information with authorised third parties without obtaining the prior consent of the User in the following circumstances but not limited to:

• To provide a seamless experience
• To provide various products and services to the User of the Company as well as of the third parties
• To provide customize offers, products and services based on the User needs or behavioural pattern
• To ensure smooth execution of transactions and payments
• To protect the rights and properties of the Company
• To initiate and investigate any complaints, claims or disputes
• To assist our auditors or advisors for performing their services
• To fulfil legal obligations or compliance requirements

These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing Terms or for complying with the applicable laws and regulations.

1. The Company may present Information with third parties – to help them understand Our audience and confirm the value of advertising on BeyondIRR Platform and/or the Sites – however it is usually in the form of aggregated statistics on traffic to various pages within Our site. We use third-party advertising companies to serve ads when You visit BeyondIRR Platform and/or the Sites. These companies may use Information (excluding Your name, address, email address or telephone number or other personally identifiable information) about Your visits to this and other websites or application, in order to provide advertisements about goods and services of interest to You.
2. We also share User Personal Information with Our vendors and service providers – to help Us understand about Our User Behaviour and/or to serve ads when You visit BeyondIRR Platform and/or the Sites. These companies may use Information (excluding Your name, address, email address or telephone number or other personally identifiable information) about Your visits to this and other websites or application.
3. The Company may share Your Information regarding Your activities on Sites with third party social websites to populate Your social wall that is visible to other people however You will have an option to set Your privacy settings, where You can decide what You would like to share or not to share with others.
4. We may share Your Information to enforce or protect Our rights or any or all of its affiliates, associates, employees, directors or officers or when We have reason to believe that disclosing Information of User(s) is necessary to identify, contact or bring legal action against someone who may be causing interference with Our rights or Our Sites, whether intentionally or otherwise, or when anyone else could be harmed by such activities
5. We may share information with consultants, third parties, business partners and vendors for providing Our and/or their various products and services. The handling of Your Information by such consultants, third parties, business partners and vendors shall be as per the privacy policies of those consultants, third parties, business partners and vendors. The Company shall not be responsible or liable for any action or omission of these consultants, third parties, business partners and vendors with respect to Your Information.

Whenever we access your personal information or data automatically from Google, with your consent, the policy governing the access and use of the data will be as follows:

• The Company will be accessing your data, from Google, for tracking of User's financial transactions to provide the requisite service offered from time to time
• The Company shall only read relevant emails of the User sent by financial service providers by identifying the Sender of emails such as @camsonline.com, @kfintech.com, @franklintempleton.com
• The Company does not access any other email of the User
• The Company does not open, read, or access any personal mail including User's personal information

The Company may share your Data (accessed from Google) with our affiliates, service providers, or regulators:

• To provide seamless, smooth, safe, and customized experience to the User
• When it is requested or required by law
• To initiate any investigate any complaints, claims or disputes
• To customize products or introduce new products
• To improve the user facing features

For the sake of clarity, the Company does not sell, transfer, or lease such information for serving ads.

When You use BeyondIRR Platform and/or the Sites, We make good faith efforts to provide You, as and when requested by You, with access to Your personal information and shall further ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible, subject to any requirement for such personal information or sensitive personal data or information to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and We may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case, where We provide information access and correction, We perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way We maintain certain services, after You delete Your information, residual copies may take a period of time before they are deleted from Our active servers and may remain in Our backup systems. We encourage You to review, update and correct the personal information that We maintain about You, and You may request that We delete personal information about You that is inaccurate, incomplete or irrelevant for legitimate purposes, or are being processed in a way which infringes any applicable legal requirement. Your right to review, update, correct etc. Your information is subject to Our records retention policies and applicable law, including any statutory retention requirements.

Retention of Data

We may retain your information or data

• 
  1. for as long as we are providing products and services to you; and
• 
  2. as permitted under applicable law, we may also retain your data or information even after you terminate the business relationship with us.

We shall store the data, information, and records on a server owned by Us or Our group companies in India. We may keep Our records of the electronic instructions or transactions in any form as permitted under applicable Laws. In this regard, all records, whether in electronic form, magnetic form, documents or any other form with respect to electronic instructions or online transactions shall be conclusive evidence of such instructions or transactions and shall be binding on the User.

• Right to Review - You can review the data provided by you and can request us to correct or amend such data (to the extent feasible, as determined by us). That said, we will not be responsible for the authenticity of the data or information provided by you.
• Withdrawal of your Consent - You can choose not to provide your data, at any time while availing our products or services or otherwise withdraw your consent provided to us earlier, in writing to our email ID: connect@beyondirr.tech.

In the event you choose to not provide or later withdraw your consent, we may not be able to provide you our products or services. Please note that these rights are subject to our compliance with applicable laws.

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of Our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where We store personal data. All information gathered is securely stored within the Company controlled database. The database is stored on servers secured behind a firewall; access to the servers is password-protected and is strictly limited. However, as effective as Our security measures are, no security system is impenetrable. We cannot guarantee the security of Our database, nor can We guarantee that information You supply will not be intercepted while being transmitted to Us over the Internet. And, of course, any information You include in a posting to the discussion areas is available to anyone with Internet access.

The internet is an ever-evolving medium. We may alter Our Policy from time to time to incorporate necessary changes in technology, applicable law or any other variant. In any case, We reserve the right to change (at any point of time) the terms of this Policy or the Terms of Use. Any changes We make will be effective immediately on notice, which We may give by posting the new policy on the Sites. Your use of the BeyondIRR Platform and/or the Sites after such notice will be deemed acceptance of such changes. We may also make reasonable efforts to inform You via electronic mail. In any case, You are advised to review this Policy periodically on the BeyondIRR Platform and/or the Sites to ensure that You are aware of the latest version.

Redressal Mechanism: Any complaints, abuse or concerns with regards to the use, processing and disclosure of Information provided by You or breach of these terms should immediately be informed to the designated Concerned Officers, the list of respective grievance officers is being provided in Terms of Use via in writing or through email to:

• Mr. Deepesh Bhargava (Grievance Officer)
• Website: https://www.beyondirr.tech/
• Email: connect@beyondirr.tech

We request the User to provide the following information in their complaint:

• Clear statement as to whether the information is Personal Information or Sensitive Personal Information
• User address, telephone number or e-mail address