Okrider

Introduction

Digital Earth communication Pvt. Ltd (hereinafter referred to as “Company” or “OR “Ok Rider” or “We”) including its mobile app and webpages (collectively referred to as “Platform”) in the name OR www.okrider.in is owned by its parent company Digital Earth communication Pvt. Ltd , is committed to maintain the confidentiality, integrity and security of all information of its Users. This Policy details the practices we follow to protect your privacy, including how we collect, use, disclose, and secure your data. The objective of this document is to ensure transparency in our data handling practices and to affirm our dedication to data protection and privacy in compliance with applicable laws and regulations. By using our services, you agree to the collection and use of information in accordance with this policy. We encourage you to read this document thoroughly to understand our approach to privacy and how it affects you as a user of our services.

About the Company

OR “Ok Rider” is a Digital Advertiser company which is, inter-alia, engaged in the business of generating customer leads via its registered agents referred as OR “Ok Rider” Partner, through its webpage(s) namely www.okrider.in and its sub-domains in order to promote, publish and market he digital App, web, banking and financial products. It enables agents to sell various financial and non-financial products and services such as Demat account, credit cards, loans, saving accounts Any android App etc, through the platform and earn money (“Services”).

Our Platform is primarily available for use within India only. Your continued use of our Platform is an affirmation that you have read the Privacy Policy, understood it, assent to and provide consent to our use of your information (including sensitive personal information as defined under the Information Technology Act 2000, applicable rules, notification etc.), including subsequent changes and amendments by the Company at its sole discretion.

Our platform is intended for use only by individuals who are 18 years of age or older. By using our services, you confirm that you meet the minimum age requirement.

Permission & warranty

Our platform is intended for use only by individuals who are 18 years of age or older. By using our services, you confirm that you meet the minimum age requirement. By uploading or making your personal information, materials, or content available on OR “Ok Rider” , you grant us a perpetual, royalty- free, non-exclusive right and license to use, reproduce, modify, publish, distribute, display, perform, and transmit such content. You warrant that you have the legal right to grant these permissions, and that the owner of the content has explicitly given OR “OK RIDER” the same rights.

You also warrant that all materials you provide do not infringe on any copyrights, violate any property rights, or contain any scandalous, libelous, or unlawful content. This applies specifically to user-generated content as described. Any personal information you provide, whether during registration or as part of a purchase process, is protected under our Privacy Policy.

What information do we collect

We collect your Personal Information when you register or set up an account with us on our Platform. When you start using the Services, we ask you to provide certain information as part of the registration process, and in the course of your interface with the Platform.

Furthermore, we occasionally obtain information about you from external sources and incorporate this into your existing account data to enhance and personalize the services we provide to you.

How do we use your information

We collect your personal information when you create an account, use our products or services, or visit pages on our website. We use your contact number to send SMS notifications and information about our services to your mobile device. By registering, you authorize us and our business partners and affiliates to send you text, notifications and email alerts, including your login details, service updates, and promotional messages. This authorization remains effective until you deactivate your account or withdraw your consent. For the purpose of onboarding or fulfilling Know Your Customer (KYC) requirements, we may temporarily access and store data from your camera, microphone, location, and mobile device. This is done only with your explicit consent and in compliance with the Reserve Bank of India’s Digital Lending Guidelines, as amended from time to time.

Purpose of collecting information

We use the Information provided by you including but not limited to following purposes:

To create your account, verify your identity and process your transaction(s);
To fulfil your requests for products and services and provide information about online and offline special promotional offers, products, services and/or updates;
To respond to your queries on raised on the Platform;
For cross-platform data sharing to improve the user experience;
To customize the advertising and content that is seen on our Platform;
To allow our business partners and/or affiliated entities to present customized communications to you;
For personalized user experience and analytics to improve our services.
To derive statistics about your usage of Platform and its effectiveness;
File storage permissions on android/iOS and Website for uploading customer documents are obtained for the purpose of processing customer applications by our Partners.
To resolve disputes, customer support and troubleshoot problems that arise from using the Platform;
To detect, prevent and protect OR “Ok Rider” from any errors, frauds, mis-selling, wilful misconduct, and other criminal or prohibited activity on our Platform;
To enforce and inform the users about our Terms of Service;
To communicate important notices or changes in the services offered by OR “Ok Rider” that governs the relationship between you and OR “Ok Rider” along with our affiliates; and
For such other purposes, for which you may have granted permission to use such information, based on your interaction with the Platform.

To whom do we disclose your information ?

We may share your information with outsiders who assist us in operating our business, including but not limited to payment processors and marketing agencies. We require all such parties mentioned below to respect the security of your personal data and to treat it in accordance with the law:

Third-Party Products/Services: Numerous third-party products/services including but not limited to affiliates, authorized payment gateways, and payment processors are involved in various functions such as billing, content provision, customer support and product supply such as loans, credit cards, savings & demat accounts and mutual funds offered. If you choose to apply for these products or services, your information disclosed to these providers will also be governed by their privacy policies in addition to ours. We encourage you to read the privacy policies of these third-party providers.
Corporate Entities and Affiliates: Your personal information may be shared with our other corporate entities and affiliates to help detect and prevent identity theft, fraud, and other potentially illegal acts; to facilitate joint or co-branded services that you request where such services are provided by more than one corporate entity; and to support the overall operation of our business and the Site. For the purposes of this policy, an "Affiliate" refers to any entity that, directly or indirectly, controls, is controlled by, or is under common control with OR “Ok Rider” . “Control” means the possession, directly or indirectly, of the power to direct or cause the direction of the management or policies of an entity, whether through ownership of securities, by contract, or otherwise.
Legal and Regulatory Disclosures: We may disclose your information without obtaining prior written consent to government agencies mandated under the law for verification of identity, or for the prevention, detection, investigation, prosecution, and punishment of offenses, or where disclosure is necessary for compliance with a legal obligation.
Successor-in-Interest: Your personally identifiable information may be transferred to a cessor-in-interest in the event of a sale, merger, reorganization, consolidation, dissolution, insolvency, or similar events involving OR “Ok Rider” , where OR “Ok Rider” is not the surviving entity.
Anonymous and Aggregate Information: We limit the collection and use of your personal information. We may make and disclose anonymous or aggregate personal information in a non-personally identifiable manner. Such information does not identify you individually. Access to your account

Third party web links Apps and Plug-ins

Our platform may contain links to websites, apps, and plugins operated by third parties ("Third-Party Sites"). These Third-Party Sites may collect personal information, and OR “Ok Rider” does not control and is not responsible for their privacy practices, content, or security measures. Each Third-Party Site operates under its own privacy policy, which may differ from ours. We strongly advise you to review the privacy policies of any Third-Party Sites you visit to understand how your information may be used and protected.

OR “Ok Rider” is not liable for the privacy practices or the content of any Third-Party Sites. We do not endorse and are not responsible for any information that may be collected through these Third-Party Sites. We are committed to ensuring that your personal and non-personal information is accessed only by authorized personnel who need it to perform their duties, and by third parties who have a legitimate purpose for accessing it and have obtained your consent. We transfer information only to Third-Party Sites that offer a comparable level of data protection as mandated by the IT Act and the SDPI Rules.

Our cookie Policy

"cookie" is a small piece of data stored by a web server on your web browser. It is used to maintain session information between your browser and our server, allowing us to remember specific information related to your interactions with our platform. Cookies can enhance your online experience by automatically recalling personalized settings during your visits. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website. If you choose to decline cookies, you may also receive alerts when cookies are being sent to your device.

We also allow third-party companies, including advertising partners, to set and access their own cookies on your computer. These cookies are governed by their own privacy policies, and OR “Ok Rider” does not have access to these cookies. The use of cookies by these third-party advertisers or analytics providers is not covered by our privacy policy and is subject to their own privacy policies.

By using our platform, you consent to the use of cookies as described in this policy. Note that our cookies do not access personal information stored on your device, nor do they compromise the security of your data.

How do we retain your information?

Your Personal Information and Non-Personal Information are retained:

As long as your account is active or as needed to provide our services.
To comply with our legal obligations, resolve disputes, or for other essential business purposes.
For a period of 5 years after you deactivate or unsubscribe from your account with us, in line with our business practices.

There are specific scenarios where we may retain your information for extended periods:

Legal Proceedings and Investigations: If required by law or for legal proceedings, investigations, or inquiries before courts, tribunals, forums, or commissions.
Service Enhancement: To improve and enhance our products and services.
Contractual Obligations: As required under agreements with our business partners.

Data Protection Rights

Withdrawing Consent: At any time during your use of our Services, you have the right to withdraw the consent you previously provided for the collection and use of your sensitive personal data or information. To withdraw your consent, please send a written request to support@okrider.in If you withdraw consent, we may have to restrict access to our platform or services and potentially remove your data or de-identify it, ensuring it cannot be traced back to you. Upon receiving your request to withdraw consent, we will verify your identity and process the request within 45 working days from the date of its receipt, subject to successful verification.
Deletion of Data: Should you wish to have your data deleted, please send a request to support@okrider.in If you request the deletion or removal of your personal data where you believe we no longer have the right to process it, we will comply with your request unless there are overriding legal obligations. For example, if you have availed services through us, we may be required to retain your data as per applicable laws to continue providing services or for our partner banks/NBFCs to fulfill their service obligations. Rest assured, any retained information will be protected in accordance with all applicable cyber security norms. Note that deletion requests may be denied under circumstances such as ongoing investigations of Page 5 of 2 frauds, compliance requirements, or other legal obligations which necessitate retaining data for a certain period.
Opt-Out of Direct Marketing: You can deny us the use of your personal information for direct marketing or other promotional activities.

To exercise any of these rights, please contact us at support@okrider.in . We are committed to responding in accordance with applicable legal standards.

How do we secure your data

At OR “Ok Rider” , safeguarding your information is paramount. We employ industry-standard security technologies and practices to protect your data from unauthorized access, use, alteration, or disclosure. These measures include:

Robust Security Protocols: Our platform is equipped with advanced security features such as firewalls, intrusion detection systems, and comprehensive access controls. We conduct regular security and penetration tests to fortify our defences.
Data Confidentiality: Access to your personal information is strictly limited to employees who need it to deliver our services or perform their roles. We adhere to stringent physical, electronic, and procedural safeguards in compliance with relevant laws to protect your data.
Data Integrity and Protection: We implement effective data collection, storage, and processing practices alongside robust security measures to guard against unauthorized access or disclosure of your personal information stored on our site.
Transparency in Data Handling: While we strive to ensure the security of our servers and locations, no system is impervious to breaches. In the event of unauthorized access, OR “Ok Rider” disclaims liability. You are also responsible for maintaining the security of your information, including safeguarding your personal and non-personal information.
Consent to Share Information: You expressly agree to the sharing of your personal and payment-related information with third-party service providers, such as payment gateways and processors, as necessary. All payment information transmitted through our platform is protected with industry-standard encryption technologies.
Limitations of Security Guarantees: Despite our stringent measures, we cannot guarantee that data transmission will always be secure. OR “Ok Rider” is not responsible for any disclosure of your information due to transmission errors or unauthorized third-party access beyond our control.

We are committed to complying with applicable information security standards. In the event of a suspected data security breach, we will implement our established security protocols and notify all relevant stakeholders, including internal and external parties and statutory authorities, as required by law.

Responsibility for Account Security: You are responsible for maintaining the confidentiality and security of your login credentials. Do not share these.

How do your Update your personal data?

we understand the importance of maintaining accurate and current personal information. Here’s how you can update your personal data:

Direct Updates: You can update your personal information directly through self-help tools available on our platform. These tools allow you to review and modify your personal data at your convenience.
Email Assistance: If you encounter any issues with updating your information or if specific data fields are locked (e.g., name, Aadhaar number, KYC details), please reach out to us via email at support@okrider.in .in for assistance.
Locked Information: Once entered on our platform, certain sensitive information like your name and KYC details will be locked in our systems in compliance with legal regulations. For updates involving sensitive financial information such as bank details, additional verification documents may be required.

Change in privacy policy

OR “Ok Rider” reserves the right to modify this privacy policy at any time and at its sole discretion. We continuously review and update our privacy practices to ensure they meet legal, technological, and operational changes. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

Governing low & Dispute Resolution

The Services provided by OR “Ok Rider” as well as use of our Platform are governed by applicable laws within the territory of India. Any dispute arising from or related to your use of our Platform and/or this Privacy Policy shall be subject to the provisions provided in our Terms of Service.

NODAL GRIEVANCE OFFICER

The Company has appointed a Nodal Grievance Officer to redress customer grievances relating to any digital lending-related complaints. The name and contact details of the Nodal Grievance Officer are provided below:

Name: Mukesh Kumar

E-mail: support@okrider.in

Contact number - 7011182540

Address - Digital Earth communication Pvt. Ltd, KH-1129, Radha Colony, Lal Kuan, Ghaziabad, Uttar Pradesh 201001

If you have questions, concerns, or suggestions regarding our Privacy Policy, we can be reached using the contact information on our Contact Us page or at support@okrider.in