This Privacy Policy explains how IRA ORA ("IRA ORA", "we", "us" or "our") collects, uses, shares and protects information when you use our website at iraora.com and our gold savings scheme management software at app.iraora.com (together, the "Service").
1. Information we collect
We collect information you provide and information generated through your use of the Service, including:
- Account information: your name, business name, email address and phone number when you register or contact us.
- Customer and plan data: information you enter about your customers and their gold savings schemes or instalment plans, such as names, contact numbers, plan amounts, due dates and payment history.
- Payment information: records of instalments and collections processed through the Service. Card and bank details for payments are handled by our payment partners and are not stored by us.
- Usage and device data: log data, device and browser information, and cookies used to operate and improve the Service.
2. How we use your information
- To provide, operate and maintain the Service, including managing plans and collecting instalments.
- To send payment reminders and notifications, including WhatsApp reminders, on your behalf.
- To process payments and UPI AutoPay mandates through our payment partners.
- To provide customer support and respond to your enquiries.
- To improve, secure and develop the Service.
- To comply with legal and regulatory obligations.
3. How we share information
We do not sell your personal information. We share information only as needed to run the Service, including with:
- Service providers such as payment gateways, UPI and messaging (WhatsApp) providers, and cloud hosting and infrastructure partners.
- Legal and regulatory authorities where required by applicable law.
You are responsible for ensuring you have the right to share your customers' information with us for these purposes.
4. Data retention
We retain your information for as long as your account is active or as needed to provide the Service, and for any longer period required to comply with our legal obligations or resolve disputes.
5. Data security
We use reasonable technical and organisational measures to protect your information against unauthorised access, loss or misuse. No method of transmission or storage is completely secure, but we work to safeguard your data.
6. Your rights
Subject to applicable law, you may request access to, correction of, or deletion of your personal information, and you may close your account at any time. To make a request, contact us at business@iraora.com.
7. Cookies
We use cookies and similar technologies to keep you signed in, remember preferences, and understand how the Service is used. You can control cookies through your browser settings.
8. Children's privacy
The Service is intended for businesses and is not directed at children. We do not knowingly collect personal information from children.
9. Changes to this policy
We may update this Privacy Policy from time to time. We will post the updated version on this page and revise the "Last updated" date above.
10. Contact us
If you have any questions about this Privacy Policy or how we handle your information, contact us at business@iraora.com.