OVERVIEW

This application and website is operated by Khoobiya. Throughout the site, the terms "we", "us" and "our" refer to Khoobiya. Khoobiya offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site and/or purchasing something from us, you engage in our "Service" and agree to be bound by the following terms, conditions, policies and privacy practices.

SECTION 1 - INFORMATION WE COLLECT

When you use our platform, we collect the following types of information:

Personal Information:

• Name, email address, phone number, and billing/shipping address
• Government-issued ID for KYC verification (for wallet and withdrawal services)
• Bank account details and UPI information (for wallet withdrawals)
• Payment information (processed securely through third-party payment gateways)

Transaction Information:

• Purchase history, order details, and shopping preferences
• Recharge and bill payment transaction records
• Wallet balance, deposits, withdrawals, and transaction history
• MLM referral network data, earnings, bonuses, and commission records

Device & Usage Information:

• IP address, device type, operating system, and browser information
• App usage patterns and interactions

SECTION 2 - MLM (MULTI-LEVEL MARKETING) PROGRAM

Our platform includes a legitimate product-based referral rewards program:

How It Works:

• Users can refer others and earn commissions on their network's purchases
• Earnings are based on actual product sales, not recruitment alone
• Commission structure is transparent and displayed in your dashboard
• All MLM activities comply with applicable laws and regulations

Data We Collect:

• Referral relationships and network hierarchy
• Commission earnings and bonus calculations
• Performance metrics and achievement levels
• Withdrawal requests and payment history

Important Note: Our MLM program is product-based and complies with legal requirements. We do not operate a pyramid scheme. Earnings are tied to legitimate product sales only.

SECTION 3 - RECHARGE & BILL PAYMENT SERVICES

We provide mobile/DTH recharge and various bill payment services through third-party API providers:

Third-Party Service Providers:

• We partner with authorized recharge and bill payment service providers
• Your mobile number, operator details, and payment information are shared with these providers to process transactions
• Transaction data is encrypted and processed securely
• We do not store your complete payment card details

Services Offered:

• Mobile & DTH recharges
• Electricity, water, gas, broadband bill payments
• Fastag recharge, insurance premium payments
• Municipal tax, LPG booking, and other utility services

SECTION 4 - WALLET & WITHDRAWAL SYSTEM

Digital Wallet:

• We provide an integrated wallet for storing funds, receiving cashback, bonuses, and MLM earnings
• Wallet transactions are recorded and can be viewed in your account dashboard
• Wallet balance can be used for purchases, recharges, and bill payments

Withdrawals:

• Users can withdraw wallet funds to their registered bank account or UPI
• KYC verification is mandatory for withdrawals (Government ID, PAN card, bank details)
• Withdrawal requests are processed within 3-7 business days
• We maintain records of all withdrawal transactions for compliance and security purposes

Reactivation Plans:

• Certain features require periodic reactivation or subscription
• Payment for reactivation plans is processed through secure payment gateways
• Subscription status and payment history are maintained in your account

SECTION 5 - HOW WE USE YOUR INFORMATION

We use the collected information to:

• Process orders, recharges, bill payments, and wallet transactions
• Manage your MLM network and calculate commissions
• Process withdrawal requests and verify KYC details
• Send order confirmations, transaction receipts, and account notifications
• Improve our services and personalize your experience
• Prevent fraud and ensure platform security
• Comply with legal and regulatory requirements

SECTION 6 - DATA SHARING & THIRD-PARTY SERVICES

We share your information with:

• Payment Gateways: For processing payments securely
• Recharge API Providers: For mobile/DTH recharges and bill payments
• Banking Partners: For wallet withdrawals and fund transfers
• KYC Verification Services: For identity verification
• Logistics Partners: For product delivery
• Government Authorities: When required by law

We do NOT:

• Sell your personal information to third parties
• Share your data for marketing purposes without consent
• Store complete credit/debit card details on our servers

SECTION 7 - DATA SECURITY

We implement industry-standard security measures:

• SSL encryption for all data transmission
• Secure storage of sensitive information
• Regular security audits and updates
• Restricted access to personal data
• Two-factor authentication for account security

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

SECTION 8 - YOUR RIGHTS

You have the right to:

• Access your personal data and transaction history
• Update or correct your information
• Request deletion of your account (subject to legal retention requirements)
• Opt-out of promotional communications
• Withdraw consent for data processing (may limit service availability)

SECTION 9 - COOKIES & TRACKING

We use cookies and similar technologies to:

• Remember your login session
• Track your preferences
• Analyze app usage and performance
• Improve user experience

You can disable cookies in your device settings, but some features may not function properly.

SECTION 10 - CHILDREN'S PRIVACY

Our services are not intended for users under 18 years of age. We do not knowingly collect information from minors. If you are under 18, please do not use our platform or provide any personal information.

SECTION 11 - COMPLIANCE & LEGAL

Financial Regulations:

• We comply with Indian financial regulations including RBI guidelines
• KYC and AML (Anti-Money Laundering) procedures are followed
• Transaction records are maintained as per legal requirements

Consumer Protection:

• We adhere to consumer protection laws
• Transparent pricing and commission structures
• Clear refund and cancellation policies

SECTION 12 - DATA RETENTION

We retain your information:

• Active account data: Until account closure
• Transaction records: 7 years (as per legal requirements)
• KYC documents: As mandated by regulatory authorities
• MLM commission records: For tax and audit purposes

SECTION 13 - CHANGES TO PRIVACY POLICY

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated revision date. Your continued use of the platform after changes constitutes acceptance of the updated policy.

SECTION 14 - GRIEVANCE REDRESSAL

For any privacy concerns, data access requests, or complaints:

• Email: support@khoobiya.com

SECTION 15 - CONTACT INFORMATION

Questions about this Privacy Policy should be sent to us at:

• Email: support@khoobiya.com