GROWBIT PRIVATE LIMITED ("Company", "we", "us", "our") values your privacy. This Privacy Policy explains what information we collect, why we collect it, how we use it, and the choices you have regarding your information when you use our website, mobile apps, and services.

1. Information we collect

We collect information you provide directly and information we collect automatically when you use our services.

• Account & contact data: full name, email, phone number, address (city, country, ZIP).
• Authentication: password hash (we never store plain passwords), OTP verification tokens.
• Referral data: referral codes, sponsor ID, referral history.
• Payment & transaction data: transaction records, receipts (payment provider managed — we store transaction meta).
• Bank details: account holder, account number, IFSC, UPI — encrypted and used only for payouts.
• Activity & usage: IP address, device info, pages visited, actions taken, logs.
• Optional KYC documents: passport or driver's license if user voluntarily uploads them (for verification). These are stored securely and can be deleted on request subject to compliance).

2. How we use your information

We use your data to deliver the service, run the business, comply with legal requirements and to improve the platform:

• Create and manage user accounts and profiles.
• Process sign-up payments and split amounts according to our pool/commission rules.
• Track referrals, calculate commissions and points, and update leaderboards.
• Process payouts to your bank account when eligible.
• Send important communications: account alerts, OTPs, payment confirmations, notifications.
• Detect and prevent fraud, abuse or illegal activity.
• Conduct analytics and improve the product.

3. When we share information

We never sell your personal information. We may share data in limited circumstances:

• With trusted third parties needed to operate the service — payment processors, SMS/email providers, analytics providers.
• With payment processors to complete transactions (they receive only the data necessary to process payments).
• With legal or regulatory authorities when required by law or to protect our rights.
• In connection with a merger, acquisition, or sale of assets (with notice to users where required).

4. Data security & storage

We use industry-standard technical and organizational measures to protect your data, including encryption in transit (HTTPS) and encryption at rest for sensitive fields. Access to user data is restricted and logged.

However, no system is 100% secure. If we detect a breach, we will notify affected users and authorities as required by law.

5. Your rights & choices

You have rights regarding your personal data (subject to local laws):

• Access: request a copy of your data.
• Correction: ask us to correct inaccurate data.
• Deletion: request deletion of your account and data (some records may be retained for legal/compliance reasons).
• Opt-out: opt out of promotional emails; transactional messages (OTP, receipts) cannot be opted out.

To exercise these rights, contact us at the details below. We may ask for proof of identity before fulfilling requests.

6. Cookies & tracking

We use cookies and similar technologies to operate the site, improve performance, and provide analytics. You can manage cookie preferences via your browser settings; disabling cookies may affect functionality.

7. Children

Our services are intended for users aged 18 and above. We do not knowingly collect personal information from children under 18. If a parent believes we have collected such data, contact us immediately to remove it.

8. Data retention

We retain personal data as long as necessary for the purposes described (account maintenance, legal obligations, dispute resolution). When no longer needed, data is securely deleted or anonymized.

9. International transfers

Our systems may store and process data in different countries. By using our service, you consent to cross-border transfer, storage and processing of your information in jurisdictions where we operate.

10. Changes to this policy

We may update this Privacy Policy. If we make material changes, we will notify users (via email or site notice) and update the "Effective Date" above.

11. Contact us

If you have questions, requests or concerns about your privacy, contact our Data Protection Team: