Kutoot Business

Introduction

Kutoot Innovations Private Limited ("Kutoot", "we", "our", or "us") values the privacy and trust of merchants using Kutoot Business.

This Privacy Policy explains how we collect, use, store, process, and protect information shared by merchants, business representatives, and platform users ("you" or "your") while using Kutoot Business, including the merchant dashboard, website, QR systems, payment-linked systems, campaigns, analytics tools, and related merchant services (collectively, the "Platform").

By registering, onboarding, or using Kutoot Business, you agree to this Privacy Policy.

1. Purpose of This Policy

This Policy is published in accordance with applicable Indian laws, including:

• Digital Personal Data Protection Act, 2023
• Information Technology Act, 2000
• Applicable rules and regulations related to digital services and data protection

This Policy applies to all merchant-related data processed by Kutoot.

2. Information We Collect

3. How We Use Information

Kutoot may use collected information to:

• onboard and verify merchants
• process transactions and settlements
• manage campaigns and rewards
• operate scoring and ranking systems
• provide analytics and dashboard insights
• improve platform performance
• detect fraud and suspicious activity
• communicate service updates
• provide customer support
• comply with legal and regulatory obligations

4. Merchant Rankings & Performance Data

Kutoot may display certain merchant-related business information on the Platform, including:

• merchant rankings
• performance scores
• badges and tiers
• leaderboard positions
• campaign performance indicators
• customer engagement insights

Such information may be visible to customers, other merchants, and platform users.

Rankings, scores, analytics, and visibility indicators are system-generated and may change dynamically based on platform activity, merchant performance, and operational calculations.

Kutoot does not publicly display sensitive personal information unless required by law or explicitly permitted.

5. Data Sharing & Disclosure

Kutoot may share information with:

6. Aggregated & Analytics Data

Kutoot may use aggregated, anonymized, or non-personal business data for:

• analytics
• benchmarking
• fraud prevention
• operational insights
• platform improvements
• reporting and research

Such data does not directly identify individual merchants or customers.

7. Data Retention

Kutoot retains information only for as long as necessary to:

• provide platform services
• complete settlements and payouts
• comply with legal obligations
• resolve disputes
• enforce agreements
• prevent fraud and abuse

Certain financial, tax, and compliance records may be retained as required by law.

8. Data Security

Kutoot uses reasonable security practices and protection measures, including:

• encrypted systems
• access controls
• secure infrastructure
• authentication measures
• internal security procedures

While we work to protect information, no digital platform can guarantee complete security.

9. Merchant Rights

Subject to applicable law, merchants may request to:

• access their information
• update inaccurate information
• correct incomplete information
• withdraw consent where applicable
• request deletion of certain data
• raise privacy-related concerns

Some requests may be limited where retention is required for legal, compliance, fraud prevention, or operational purposes.

10. Withdrawal of Consent

Merchants may withdraw consent for certain data processing activities where legally permitted.

Withdrawal of consent may affect access to certain platform features or services.

11. Cookies & Tracking Technologies

Kutoot may use cookies and similar technologies to:

• improve user experience
• remember preferences
• analyze usage patterns
• enhance platform performance

Users may manage cookie settings through their browser or device settings.

12. Fraud Prevention & Monitoring

Kutoot may monitor platform activity to:

• detect suspicious transactions
• prevent fake activity
• identify fraud risks
• protect merchants and customers
• maintain platform security

Fraud investigations may involve temporary restrictions, payout holds, or account reviews.

13. Third-Party Services

The Platform may include integrations with third-party services.

• Kutoot is not responsible for third-party websites.
• Kutoot is not responsible for external payment systems.
• Kutoot is not responsible for external platform downtime.
• Kutoot is not responsible for third-party privacy practices.

Use of third-party services may be subject to their own terms and privacy policies.

14. Cross-Border Data Transfers

Where necessary, information may be processed or stored outside India in accordance with applicable laws.

Kutoot shall implement reasonable safeguards for such transfers.

15. Children's Privacy

The Platform is intended only for individuals above 18 years of age.

Kutoot does not knowingly collect personal information from minors.

16. Data Breach Response

In the event of a data breach, Kutoot may take appropriate steps to:

• contain and investigate the issue
• reduce potential impact
• notify affected parties where required by law
• comply with applicable legal obligations

17. Updates to This Policy

Kutoot may update this Privacy Policy from time to time.

Updated versions may be published through Kutoot Business, the website, or other official communication channels.

Continued use of the Platform after updates constitutes acceptance of the revised Policy.

18. Governing Law

This Privacy Policy shall be governed by the laws of India.

Courts located in Bengaluru, Karnataka shall have jurisdiction over matters related to this Policy.

19. Contact Information

For questions, support, or privacy-related concerns, please contact:

Kutoot Innovations Private Limited

Delta Arcade, 22nd Cross, 18th Main, Sector 3, HSR Layout, Bengaluru – 560102

Support: support@kutoot.com

Legal: legal@kutoot.com

Website: www.kutoot.com

20. Grievance Redressal

In accordance with applicable law, merchants may contact the Grievance Officer for concerns related to privacy; data usage; account information; and platform-related complaints.

Kutoot will make reasonable efforts to acknowledge and resolve grievances within timelines required under applicable law.