Karma Silverlife Pvt. Ltd. (“Company”, “We”, “Us”) respects your privacy and is committed to protecting the corporate, personal, and financial data processed through our Transport & Delivery Application. This Privacy Policy details the categories of information we collect, the lawful purposes of processing, storage protocols, and your rights.

2.1 Information We Collect

Business & Account Data: Company name, registered trading name, GSTIN, PAN, corporate email addresses, authorized account manager names, contact numbers, and billing addresses.

Logistics & Location Information: Origin and destination addresses, pickup/drop-off GPS coordinates, real-time vehicle telematics, route navigation data, and timestamps.

Transactional Records: Invoice numbers, Dynamic UPI transaction references, settlement logs, e-POD signatures, delivery OTPs, payment statuses, and historical ledger entries. (Note: We do NOT collect or store sensitive banking credentials, UPI PINs, or card CVV numbers).

Device & System Logs: Mobile device hardware models, operating system versions, IP addresses, network identifiers, and application diagnostic/crash logs.

2.2 Legal Basis & Purposes of Data Processing

All collected data is processed strictly for legitimate operational, contractual, and regulatory purposes, including:

• Processing, dispatching, and tracking transport bookings.

• Generating Dynamic UPI QR payment triggers on invoices and reconciling payment gateway settlements.

• Validating identity and consignment custody via OTP and e-POD acknowledgment.

• Underwriting commercial credit risk, monitoring credit ceilings, and pursuing ledger reconciliations.

• Preventing financial fraud, detecting unauthorized access, and maintaining audit compliance under applicable tax and commercial laws.

2.3 Data Disclosures to Third Parties

We do not sell, rent, or trade your data to third-party marketing brokers. Disclosures occur solely on a need-to-know operational basis:

Logistics Personnel: Designated drivers, warehouse handlers, and contracted 3PL logistics providers receive relevant consignee names, drop locations, and contact phone numbers solely to execute delivery.

Payment Intermediaries & Banks: Transaction reference identifiers and invoice sums are exchanged with authorized banking partners and NPCI/UPI settlement switches to reconcile payments.

Regulatory Authorities: Information may be disclosed to statutory tax authorities, judicial bodies, or law enforcement agencies when mandated by formal legal process or audit obligations.

2.4 Data Security & Retention Standards

Technical Safeguards: All data in transit is protected using industry-standard TLS encryption protocols. Administrative access to core databases is restricted via role-based authentication.

Retention Policy: Transactional, invoicing, and logistics audit logs are retained in accordance with statutory accounting and tax regulations (typically up to 8 financial years). Account details are retained while your business account remains active.

2.5 User Rights & Grievance Contact

Users may request verification, correction, or updating of corporate contact information. Account deactivation or erasure requests are evaluated subject to the clearance of outstanding ledgers and statutory tax record-keeping requirements.

For privacy questions, data updates, or grievance redressal, contact:Grievance Officer, Karma Silverlife Pvt. Ltd.Registered Office: Kolkata, West Bengal, India | Email: legal@karmasilverlife.com