Privacy Policy

1. Information We Collect

When you create an account or use ReferralCRM, we may collect information such as your name, business or company name, email address, mobile or telephone number, username, account information, business information, subscription information, and other information that you voluntarily provide to us. We may also collect information necessary to authenticate and secure your account. Passwords and authentication credentials are protected using appropriate security practices and are not intentionally stored in plain text.

ReferralCRM is a customer relationship management platform, and users may voluntarily enter information relating to their customers, prospects, referrals, leads, members, employees, business partners, or other contacts. Such information may include names, email addresses, telephone numbers, company names, designations, addresses, referral information, lead information, customer notes, communication history, follow-up information, sales-related information, and other information that the user chooses to store within the platform. If you use ReferralCRM to provide information relating to another individual, you are responsible for ensuring that you have the appropriate authority, consent, notice, or other lawful basis required to collect and process such information.

If you purchase a paid subscription or any other service through ReferralCRM, we may collect information relating to your subscription, billing details, transaction references, payment status, invoices, and other payment-related information required for processing and maintaining your subscription. Payments may be processed through third-party payment service providers such as Razorpay or other payment gateways. We generally do not store complete credit card numbers, debit card numbers, CVV numbers, UPI PINs, banking passwords, or similar sensitive payment credentials on our own servers when payment processing is handled by a third-party payment provider. Information submitted to a third-party payment provider is governed by that provider's own terms and privacy policy.

When you access ReferralCRM, we may automatically collect certain technical and device-related information, including your IP address, device type, operating system, browser type, application version, device identifiers where technically necessary and permitted, language and regional settings, access times, log information, crash reports, diagnostic information, and general usage information. We may also collect information about how you interact with ReferralCRM, including features accessed, pages or screens viewed, login activity, session information, actions performed within the application, errors, technical events, and general usage patterns.

If you contact us for support, feedback, enquiries, complaints, or other purposes, we may collect the information contained in your communication, including your name, email address, telephone number, support request, attachments, and any other information you voluntarily provide.

2. How We Use Your Information

We use the information we collect to provide, operate, maintain, secure, and improve ReferralCRM. This may include creating and managing user accounts, providing CRM functionality, storing and managing customer and referral information, processing subscriptions and payments, providing customer support, maintaining service availability, authenticating users, and delivering features requested by users.

We may also use information for security and fraud-prevention purposes, including detecting unauthorized access, preventing fraud, spam, abuse, and other misuse of the Service, investigating suspicious activity, protecting user accounts, and maintaining the security and integrity of our systems and infrastructure.

We may use information to understand how users interact with ReferralCRM, troubleshoot technical problems, monitor performance, improve existing features, develop new functionality, conduct internal analysis, and improve the overall user experience. Where we use aggregated or anonymized information for analytical or product-development purposes, such information will not be intended to identify an individual user.

We may use your contact information to send account-related communications, security notifications, service announcements, billing and subscription notifications, customer support communications, and other communications necessary to provide the Service. Where applicable law requires consent for promotional or marketing communications, we will obtain the required consent and provide an appropriate mechanism to opt out.

3. Legal Basis for Processing

We process personal information on lawful grounds applicable to the relevant processing activity. These may include your consent, the performance of a contract or provision of services requested by you, compliance with legal or regulatory obligations, protection of our legitimate business interests, prevention of fraud and security threats, and other lawful grounds permitted under applicable law.

Where processing is based on consent, you may withdraw your consent where permitted by law. However, withdrawing consent may affect our ability to provide certain features or services that depend on the relevant information.

4. Customer and CRM Data

Because ReferralCRM is a SaaS platform, our business customers may use the Service to store information relating to their own customers, prospects, employees, referrals, contacts, or other individuals. In such circumstances, the business customer generally determines what information is collected, the purposes for which it is collected, and how it is used. Depending on the nature of the relationship and applicable law, Techguard Digital Solutions Pvt Ltd may process such information on behalf of the ReferralCRM customer as a service provider or data processor.

If your personal information has been entered into ReferralCRM by one of our business customers, you may need to contact that business directly regarding the collection, correction, deletion, or other use of that information. We may assist our business customers with appropriate requests where required under applicable law or contractual obligations.

5. Sharing and Disclosure of Information

Techguard Digital Solutions Pvt Ltd does not sell personal information to third parties. We may, however, share or provide access to information where reasonably necessary to operate ReferralCRM, provide requested services, comply with legal obligations, protect our rights, prevent fraud or abuse, or otherwise perform legitimate business functions.

We may engage trusted third-party service providers for cloud hosting, database infrastructure, payment processing, email delivery, SMS or communication services, analytics, customer support, authentication, security, backups, error monitoring, and other technical or operational services. These providers may process information on our behalf and are expected to maintain appropriate security and confidentiality measures.

Where payments are processed through Razorpay or another payment gateway, relevant payment and transaction information may be shared with the payment provider for purposes including payment processing, transaction verification, fraud prevention, reconciliation, subscription management, and refunds. The processing of information by such providers is also subject to their respective privacy policies and terms.

We may disclose information where required or permitted by applicable law, regulation, court order, governmental request, legal process, or where disclosure is reasonably necessary to establish, exercise, or defend our legal rights or to protect the rights, safety, property, or security of the Company, our users, or other persons.

If Techguard Digital Solutions Pvt Ltd is involved in a merger, acquisition, restructuring, financing, sale of assets, or similar corporate transaction, personal information may be transferred as part of that transaction, subject to applicable law and appropriate safeguards.

6. Third-Party Services and Integrations

ReferralCRM may use or integrate with third-party services, platforms, APIs, payment gateways, analytics providers, communication providers, cloud infrastructure providers, app-store services, and other technology partners. These services may process information according to their own privacy policies and terms. We recommend that users review the privacy policies of third-party services that they choose to connect with or use through ReferralCRM.

7. Cookies and Similar Technologies

Our website and ReferralCRM application may use cookies, local storage, software development kits, pixels, logs, and similar technologies to maintain user sessions, authenticate users, improve security, remember preferences, understand application usage, monitor performance, and improve our services. You may be able to control certain cookies and similar technologies through your browser or device settings. Disabling certain technologies may affect the functionality or availability of some features.

8. Data Security

We take reasonable technical and organizational measures designed to protect personal information against unauthorized access, unauthorized disclosure, accidental loss, destruction, alteration, misuse, and other security risks. Depending on the information and services involved, our security measures may include encryption in transit, authentication mechanisms, access controls, role-based permissions, secure hosting infrastructure, monitoring and logging, backups, security updates, and restrictions on internal access to information.

Although we take reasonable measures to protect information, no internet-based service, electronic transmission, or storage system can be guaranteed to be completely secure. Accordingly, while we work to protect your information, we cannot guarantee absolute security.

9. Data Retention

We retain personal information for as long as reasonably necessary to provide ReferralCRM, maintain user accounts, fulfil contractual obligations, provide customer support, prevent fraud and abuse, maintain security, resolve disputes, comply with legal obligations, and satisfy accounting, tax, regulatory, or other legitimate business requirements.

When information is no longer required for a legitimate purpose, we may delete, anonymize, or securely dispose of it in accordance with applicable law and our internal retention practices. Information stored in backup systems may remain for a limited period before it is securely deleted or overwritten.

10. Account and Data Deletion

Users may request deletion of their ReferralCRM account and associated personal information by contacting us at rbcclubindia@gmail.com. Where ReferralCRM provides an account deletion facility within the application, users may also initiate account deletion through the application.

After receiving a valid deletion request, we will take reasonable steps to delete or anonymize information associated with the account, subject to applicable legal requirements, contractual obligations, fraud prevention and security requirements, dispute resolution, and accounting, tax, regulatory, or other legitimate recordkeeping requirements. Where certain information is required to be retained by law or for legitimate security or legal purposes, we may retain such information for the applicable period and protect it appropriately.

If ReferralCRM is distributed through Google Play and allows users to create an account, the account deletion process is intended to provide users with a mechanism to request deletion of their account and associated data in accordance with applicable Google Play requirements.

11. Your Privacy Rights

Subject to applicable law, you may have certain rights regarding your personal information, including the right to request access to information, correction of inaccurate information, deletion of information, withdrawal of consent where consent is the applicable basis for processing, and the right to raise a privacy-related grievance or complaint.

To exercise an applicable privacy right, you may contact us at rbcclubindia@gmail.com. We may request reasonable information to verify your identity before processing certain requests in order to protect your account and personal information from unauthorized requests.

12. Privacy and Grievance Contact

For privacy-related questions, requests, complaints, grievances, or concerns regarding the processing of your personal information, you may contact Techguard Digital Solutions Pvt Ltd at rbcclubindia@gmail.com. We will review legitimate requests and respond within the period required under applicable law.

13. Children's Privacy

ReferralCRM is primarily intended for businesses, professionals, organizations, and users who are legally capable of entering into agreements. ReferralCRM is not knowingly designed or marketed for children. We do not knowingly collect personal information from children in circumstances where such collection is prohibited by applicable law. If you believe that a child has provided personal information to us improperly, please contact us at rbcclubindia@gmail.com so that we can investigate and take appropriate action.

14. International Data Transfers

Depending on the infrastructure, hosting arrangements, and third-party service providers used by ReferralCRM, information may be processed or stored in India or other countries. Where personal information is transferred across jurisdictions, we will take reasonable steps to comply with applicable data protection requirements and implement appropriate safeguards where required.

15. Data Breaches and Security Incidents

If we become aware of a security incident involving personal information that requires notification under applicable law, we will take reasonable steps to investigate, contain, mitigate, and address the incident. Where notification is legally required, we will notify the relevant users, authorities, or other parties in accordance with applicable law.

16. User Responsibilities

Users of ReferralCRM are responsible for ensuring that the information they upload, enter, or otherwise process through the Service has been collected and is being used lawfully. Users should not use ReferralCRM to store or process information that they are not authorized to collect, use, disclose, or otherwise process.

Users are also responsible for maintaining the confidentiality of their account credentials, using appropriate account security practices, configuring access permissions appropriately, and ensuring that customer, referral, employee, and other personal information entered into ReferralCRM is accurate and processed in accordance with applicable laws.

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to ReferralCRM, our business practices, technology, legal or regulatory requirements, or security practices. When we make material changes, we may provide notice through the ReferralCRM application, our website, email, or another appropriate communication method.

The updated Privacy Policy will indicate the date on which it was last updated. Your continued use of ReferralCRM after an updated Privacy Policy becomes effective constitutes acknowledgment of the updated policy, to the extent permitted by applicable law.

18. Governing Law

This Privacy Policy shall be governed by and interpreted in accordance with the applicable laws of India. Any dispute relating to this Privacy Policy or the processing of personal information shall be subject to the jurisdiction of the courts having appropriate jurisdiction over the Company's registered office, subject to applicable law and any contractual arrangements between the parties.

19. Contact Us

If you have any questions regarding this Privacy Policy, wish to request access, correction, deletion, or other action concerning your personal information, or wish to raise a privacy-related complaint or grievance, please contact us at:

Techguard Digital Solutions Pvt Ltd
Product: ReferralCRM
Email: rbcclubindia@gmail.com