Privacy Policy

 

www.Karmica.in, and its owners and affiliates, (collectively, “Karmica”) is committed to protecting your privacy. This Privacy Policy tells you about the way we collect, use and disclose your personal data. The terms of this policy apply to Karmica and associated services that link to this privacy policy (the “Website”). It does not apply to websites or services that link to a different privacy notice.

Collection of your personal information

The personal information we collect depends on how you interact with us, the websites you use, and the choices you make. We collect and process the personal data about you with your consent and/or as necessary to provide the products you use, meet our contractual and legal obligations, operate our business, protect the security of our systems and our customers, and fulfil other legitimate interests. We collect your personal data from three sources:
1.    Information you provide directly: We collect personal information you provide to us. For example, we collect your name, email address, postal address, phone number, demographics, and other information you provide us. If you make a purchase, we may also collect credit card numbers or other payment information.
2.    Information collected automatically: We collect certain information such as your IP address, the website that referred you to us, the browser type you use, language, and access times. We also may collect navigational information, including information about the pages you view, the links you click on, and other actions you take in connection with the Website. We also collect further information as discussed below under the section “Use of Cookies and Other Technologies”.
3.    Third-party sources: We also may obtain information from third parties to the extent permitted by applicable law. We protect information obtained from third parties according to the practices described in this statement, in addition to any additional restrictions imposed by the source of the information. These third-party sources may include:

  • Applications and services, such as social networks, that make users' information available to others;

  • Service providers that help us determine your device's location based on its IP address;

  • Partners with which we offer co-branded services or engage in joint marketing or business activities;

  • Data brokers from whom we purchase demographic data to supplement the data we collect;

  • Publicly available sources, such as open government databases or other data available in the public domain.

  • We may combine your personal data collected across the above sources.

You may always choose not to provide personal data, but in such a case, certain products and services may not be available to you.

Use of your personal information

We use your personal data collected through our Website for purposes described in the privacy policy or otherwise disclosed to you. For example, we use your personal data to:
provide and deliver products/services, including securing, troubleshooting, improving, and personalizing those products/services;

  • operate and improve our Website and business, including our internal operations and security systems;

  • understand you and your preferences to enhance your experience when using our Website;

  • process your transactions;

  • provide customer service and respond to your questions;

  • perform research and analysis aimed at improving our products, services and technologies;

  • send you information, including confirmations, invoices, technical notices, updates, security alerts, and support and administrative messages;

  • communicate with you about new products, offers, promotions, rewards, contests, upcoming events, etc. This will be related to either our products or those of our selected partners. (see the Choice and Preferences section of this Privacy Policy for how to change your preferences for promotional communications);

  • display content (including advertisements) customized to your interests and preferences.

In carrying out these purposes, we may combine the data we collect from different sources.

Location of Your Personal Information

Your personal data collected by us may be stored and processed in your country, or in any other country where we or our affiliates, subsidiaries, or service providers maintain facilities. The storage locations are chosen in order to operate our business efficiently, to improve performance, and to create redundancies in order to protect the data in the event of an outage or other problems.

We take measures to ensure that the data we collect under this Privacy Policy is processed according to the provisions of this Privacy Policy and applicable law wherever the data is located.


Sharing of Your Personal Information


Except as disclosed in this privacy policy, we do not share your personal data with any outside parties.

We share personal data with your consent or as necessary to complete your transactions or provide the products or services you have requested or authorized. In addition, we may share your personal data within our subsidiaries, affiliates, and divisions, all of whom may use your data for the purposes disclosed herein.

We may share your personal data with service providers who perform services on our behalf. For example, we may hire other companies to handle the processing of payments, to provide data storage, to host websites, to fulfil orders, etc. Those companies will be permitted to obtain only the personal data they need to provide the service. They are required to maintain the confidentiality of the information and are prohibited from using it for any other purpose.

Information about our customers, including personal data, may be disclosed as part of any merger, transfer, divestiture, acquisition, or sale of all or a portion of the company and/or its assets, as well as in the unlikely event of insolvency, bankruptcy, or receivership, in which personal data would be transferred as one of the business assets of the company. We will notify you of such an occurrence as described in the “Changes to This Privacy Policy” section.

We reserve the right to disclose your personal data if we have a good-faith understanding that we are required to do so by law (for example, to meet national security or law enforcement requirements), or in the good-faith belief that such action is reasonably necessary to comply with legal processes, to respond to claims, or to protect the rights, property or safety of our company, employees, customers, or the public.


Retention of Your Personal Information


We will retain your personal information for as long as is necessary to carry out the purpose for which it was collected, and if necessary to comply with our legal obligations, resolve disputes, or enforce our agreements. If you no longer want us to use your information to provide the Services to you, you can request that we erase your personal information and close your Karmica account.


Sharing on Social Media

In the Website, we may allow you to share personal data with third parties, such as social networking websites (like Twitter and Facebook). In such instances, you agree to the data being shared, and the shared data is subject to the privacy policies of the third parties. We do not control and do not take any responsibility for the use of personal data by such third parties. To know more about the way these third parties use personal data in connection with sharing features, please read their privacy policies.


Accessing Your Personal Information

If you wish to view or revise the information that you have previously provided us, you can access your information in the “My Account” section of the Website. If you need additional assistance, please contact us at desk@karmica.in.


Cookies and Other Technologies

The Website uses cookies and other technologies such as pixel tags and similar technologies (“Cookies”).

A cookie is a small text file that is placed on your hard drive or device. Cookies contain information, including personal data that can later be read by a web server in the domain that issued the Cookie to you. The information that Cookies collect include the date and time of your visit, your registration information, your navigational and purchase history, etc. Pixel tags are non-visible files that may be placed on a website, in an email or newsletter, and request information from your device such as your browser type and may assist in determining your engagement with the content of the Website and emails we send, how many users have visited certain pages, etc.


Third-Party Advertisement

Our web pages may contain content or advertisements from third parties. As your browser connects to those third parties' web servers to retrieve that content, those third parties will be able to set or read their own cookies on your device and may collect information about your online activities across websites or online services. Our partners may use demographic and preference information to allow targeted advertising.


Security of Your Personal Information


The security of your personal information is extremely important to us. We use appropriate methods to protect your personal information from unauthorized access, use, disclosure, alteration, and destruction. For example, in some cases we encrypt the information using secure socket layer (SSL) technology. Nevertheless, no method of transmission over the internet, or method of electronic storage, is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.


Linked Websites

We may link to websites (including those of our third-party content providers or distributor network) that have different privacy policies and practices from those disclosed here. We assume no responsibility for the policies or practices of such linked websites, and encourage you to become acquainted with them prior to use.


Your Choices and Preferences

We respect your right to make choices about the use and disclosure of your personal information. If at any time you decide to change the settings in relation to your personal information or email preferences, you can take the actions described below:

  • Access, correction, and deletion of information: If you wish to access, correct or delete certain personal information about you that we hold, you can visit the applicable section of your account profile. For other personal information, you can contact us at desk@karmica.in. However, to the extent permitted by applicable law, we reserve the right to charge a fee or decline requests that are unreasonable, excessive, or prohibited by law, could adversely affect the privacy or other rights of another person, or where we are unable to authenticate you as the person to whom the data relates.

  • Marketing Emails: If you do not wish to receive marketing emails, you will have the option of opting out and/or unsubscribing from our emails and mailing lists by: (1) checking or unchecking the appropriate box on your online registration form or the "My Account" part of the Website; (2) sending an email to desk@karmica.in; or (3) following the directions at the bottom of one of our marketing emails. In such an event, you may still continue to receive transactional or account emails (e.g., purchase confirmations and account balance statements).

  • Cookies: Our Website is optimally designed to operate with cookies enabled in your internet browser. However, you can accept or decline cookies. Most browsers automatically accept cookies, but you can modify your browser setting to decline them. If you choose to decline cookies, you may not be able to sign in or use other interactive features of the Website and services that depend on cookies. This may negatively impact your experience of the Website. If you choose to delete cookies, settings and preferences controlled by those cookies (including advertising preferences) may be deleted and may need to be recreated.

  • Pixel tags: If you would like to opt-out from the use of pixel tags in our emails, please email us at desk@karmica.in.

  • Third Party Advertising: You can opt out of information collection by our third-party advertising partners. However, opting out will only prevent targeted ads, and you may continue to see generic (non-targeted ads) from these partners after you opt out.

  • Mobile Devices: You can use your mobile device settings to stop or limit interest-based advertising on that device.

  • Do Not Track. You can use a range of tools to control data collection and use, including the cookie controls and advertising controls described above. Some browsers have incorporated "Do Not Track" (DNT) features that can send a signal to the websites you visit indicating you do not wish to be tracked. However, currently we do not respond to browser DNT signals.


Changes to This Privacy Policy

We reserve the right to change the terms of this privacy policy at any time when necessary to reflect changes in our products or services, how we process personal data, or applicable law. If there are material changes to this statement, we will provide notice or obtain consent regarding such changes as may be required by law. We encourage you to review this policy whenever you visit the Website.


Contact Information

If you have concerns relating to this Privacy Policy, please contact us at desk@karmica.in.