Welcome to Loybo ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our cashback and loyalty rewards platform.

1. Information We Collect

1.1 Personal Information

When you register and use Loybo, we may collect the following personal information:

• Account Information: Name, email address, phone number, date of birth
• Payment Information: Bank account details, UPI ID, payment method preferences (for cashback transfers)
• Identity Verification: Government-issued ID details as required by Indian regulations (KYC compliance)
• Profile Information: Profile picture, preferences, shopping interests

1.2 Transaction Data

We collect information about your transactions and activities on Loybo, including:

• Purchase history through merchant partners
• Cashback earned and redeemed
• Merchant interactions and offers clicked
• Referral activity and rewards

1.3 Device and Usage Information

• Device type, operating system, browser type
• IP address, device identifiers
• App usage patterns, features accessed
• Location data (with your permission)
• Cookies and similar tracking technologies

1.4 Communications

We collect information when you contact us, including support tickets, feedback, and survey responses.

2. How We Use Your Information

We use your information for the following purposes:

2.1 Service Delivery

• Create and manage your Loybo account
• Process cashback transactions and transfers
• Track purchases and calculate rewards
• Facilitate merchant partnerships and affiliate tracking

2.2 Personalization

• Customize offers and recommendations based on your preferences
• Show relevant merchant deals and promotions
• Improve user experience through personalized content

2.3 Communication

• Send transactional notifications (cashback credited, payouts processed)
• Provide customer support and respond to inquiries
• Send promotional offers, updates, and newsletters (with your consent)
• Notify you about account changes or policy updates

2.4 Security and Fraud Prevention

• Verify your identity and prevent fraudulent activities
• Detect and prevent abuse of our platform
• Comply with legal obligations and regulatory requirements

2.5 Analytics and Improvement

• Analyze usage patterns to improve our services
• Conduct research and development for new features
• Generate aggregated, anonymized statistics

3. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

3.1 Merchant Partners

We share limited transaction data with merchant partners to track purchases and calculate cashback. This includes anonymized purchase information necessary for affiliate commission tracking.

3.2 Payment Processors

We share payment information with trusted payment gateways and financial institutions to process cashback transfers to your account.

3.3 Service Providers

We work with third-party service providers for:

• Cloud hosting and data storage
• Analytics and performance monitoring
• Customer support tools
• Marketing and communication platforms

These providers are contractually obligated to protect your information and use it only for specified purposes.

3.4 Legal Requirements

We may disclose your information if required by law, court order, or government regulation, including:

• Compliance with Indian data protection laws (Digital Personal Data Protection Act)
• Response to legal requests from authorities
• Protection of our rights, property, or safety
• Prevention of fraud or security threats

3.5 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4. Data Security

We implement robust security measures to protect your personal information:

• Encryption: All data transmission uses TLS/SSL encryption
• Access Controls: Strict internal access policies with role-based permissions
• Regular Audits: Security assessments and vulnerability testing
• Secure Storage: Data stored on secure servers with regular backups
• Compliance: Adherence to RBI guidelines and industry best practices

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal obligations (typically 5-7 years for financial records)
• Resolve disputes and enforce our agreements

When your data is no longer needed, we securely delete or anonymize it.

6. Your Rights and Choices

6.1 Access and Correction

You can access and update your personal information through your account settings or by contacting us.

6.2 Data Portability

You have the right to request a copy of your data in a structured, commonly used format.

6.3 Deletion

You may request deletion of your account and personal data, subject to legal retention requirements.

6.4 Marketing Communications

You can opt out of promotional emails by clicking "unsubscribe" in any marketing email or updating your notification preferences.

6.5 Location Data

You can control location permissions through your device settings.

6.6 Cookies

You can manage cookie preferences through your browser settings.

7. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Deliver personalized content and advertisements
• Track affiliate links and attribute cashback accurately

You can control cookie settings through your browser, but disabling cookies may affect functionality.

8. Third-Party Links

Loybo contains links to merchant websites and third-party platforms. We are not responsible for their privacy practices. Please review their privacy policies before sharing your information.

9. Children's Privacy

Loybo is not intended for users under 18 years of age. We do not knowingly collect information from children. If you believe a child has provided us with personal information, please contact us immediately.

10. International Users

Loybo primarily operates in India. If you access our services from outside India, your information may be transferred to and processed in India, where data protection laws may differ from your jurisdiction.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes via email or prominent notice on our platform. Your continued use after changes constitutes acceptance of the updated policy.

12. Compliance with Indian Laws

Loybo complies with:

• Digital Personal Data Protection Act, 2023 (DPDP)
• Information Technology Act, 2000
• Reserve Bank of India (RBI) guidelines for payment aggregators
• Other applicable Indian data protection regulations

By using Loybo, you acknowledge that you have read, understood, and agree to this Privacy Policy.

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