Kashvi Trends ("Company", "We," "Us" or "Our") has developed for the benefit of the users, its Website ("You," "Your" and "Yourself") i.e. http://www.luvfins.com and mobile application (together referred to as the "Website") and by this privacy policy ("Privacy Policy") we demonstrate our serious commitment for protecting the privacy of the information that we collect through the Website. This Privacy Policy summarizes how we handle the personally identifying information that You voluntarily provide when You use the Website and/or that we may automatically collect when You visit the Website ("Personal Information"). This Privacy Policy is deemed to be incorporated into and is subject to the Terms of Use.
If You are accessing, using or browsing this Website on behalf of an individual other than Yourself, which/who may be either a natural person or an entity other than Yourself:
This Privacy Policy, and the manner and mode as to how the Company handles the information that You voluntary provide when You use the Website and information that we may automatically collect when You visit the Website, is governed by the applicable laws of India
The Company makes no representations that the Website is appropriate or available for use outside of the country / India. Access to the Website from territories where its contents or purpose is illegal is prohibited. Those who choose to access the Website are responsible for compliance with applicable local laws and regulations as applicable in the territories where the Website is being used
Your use of this Website will be deemed conclusively to constitute Your acceptance of and agreement to this Privacy Policy and all parts hereof, irrespective of whether You register Yourself on the Website or not.
The Company reserves the right, at its sole discretion, to change this Privacy Policy at any time. If we decide to change the Privacy Policy, we will post the changes in appropriate places on the Website so that You are aware of the changed Privacy Policy. Your continued use of the Website after the effective date for any such changes to the Privacy Policy will be deemed conclusively to constitute Your acceptance of and agreement to the changed Privacy Policy; consequently, You should frequently review this Privacy Policy.
We categorize information about You (collectively referred to as "Personal Information") as follows:
A. Profile Information: Information which You provide when You register for a Service or otherwise while placing an order through the Website, which may include some or all of the following:
B. Messaging: Information shared, transmitted and / or accessible by the Company while You communicate with the Company through messages on the Website.
C. Feedback : We collect feedback from Company’s users about their experience while dealing with the Company. Please note that any feedback you provide via the Website may or may not be made publicly viewable via the Website as per the discretion of the Company.
D. Payment and Account Information: Your account history with us including (without limitation) all billing information and communications, payment history, order history including returs, exchanges and refunds etc.
E. Service Usage: Information about Your navigation using our Services, for example the URLs of websites, which You visit and from which You request downloads in case the accounts / profiles and / or internet used by You are synced.
F. Log-in information: Information such as Your web request, IP address, browser type, browser language, date and time of request.
G. Transactional Information: Transactional history (other than banking details) about Your e-commerce activities.
H, Correspondence Information: Content, information about Your correspondents, and the destination/origin of communications between You and the Company and / or affiliates of the Company, which may include email communications, SMS updates, Telephone Calls, blog, chat room and discussion board communications, instant message communications, experts forum communications, faxmail communications, membership of mailing lists etc.
I. User IDs: Your usernames, passwords, email addresses and other security-related information used by You in relation to our Services.
J. Stored Information: Data either created by You or by a third party and which You wish to store on our servers such as images, files, documents etc. in any format.
K. Social Networking Services: You may register to the Website and / or visit the Website directly via or by logging into your account with a third party social networking service (“SNS”) e.g., Facebook, LinkedIn, and other third party services that let you sign in using your existing credentials with those services. If you choose to register or visit the Website via an SNS, or later link your account with an SNS, by doing so, you authorize us to use the Personal Information you have provided to the SNS (such as your name, email address, gender and other information you make publicly available via the SNS) to create your account. Note that the information we collect from and through an SNS may depend on the privacy settings you have set with the SNS and the permissions you grant to us in connection with linking your account with an SNS. Other than what we may share with the SNS as described below, the Personal Information an SNS has about you is obtained by the SNS independent of our Service, and Company is not responsible for it. The Company may also permit additional interactions between it and a third party website, service, or other content provider, such as enabling you to “like” or share content to a third party SNS. If you choose to “like” or share content, or to otherwise share information from or via our service with a third party site or service, that information may be publicly displayed, and the third party may have access to information about you and your use of our service (and we may have access to information about you from that third party). These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Your interactions with third parties through an SNS or similar features are governed by the respective privacy policies of those third parties. You represent that you are entitled to use your SNS account for the purposes described herein without breach by you of any of the terms and conditions that govern the SNS, and without obligating the Company to pay any fees or making the Company subject to any usage limitations imposed by such SNS. You can disable the link between your account with the Company and your SNS account at any time through the “Settings” section, if so provided by such SNS. Please note that your relationship with any SNS is governed solely by your agreement(s) with such SNS. If your SNS account terminates, then functions enabled through the link between your account with us and your SNS account will terminate as well.
We use information collected through the Website to provide and improve the services, process your requests, prevent fraud, provide you with information and advertising which as per the Company may interest you, comply with the law, and as otherwise permitted with your consent. The Company only collects Your Personal Information which has been designated as Personal Information or ‘Sensitive Personal Data or Information’ under applicable law to conduct our business and to enable us to deliver and improve our Services for You.
The Company may share Your Personal Information
i. with third parties who have agreements with us, including marketers, advertisers and other service providers to whom we may outsource part of the services to be rendered to you;
ii. if Company is required by law to do so, including laws outside Your country of residence;
iii. in the event of a transfer of ownership of Company or merger or other similar transaction (including one in connection with any bankruptcy, acquisition or similar proceedings); or
iv. as otherwise set forth in this Privacy Policy, including as set forth below.
Note: The Company is not and cannot be responsible for the activities or privacy policies of any third party with whom Your Personal Information is shared.
We will only disclose Your Personal Information in accordance with this Privacy Policy. If we want to use it for any other purpose, We will obtain Your consent. Any of Your information which You provide when You use certain services of the Company and is open to public environment or forum including (without limitation) any blog, community or discussion board, is not confidential, does not constitute Personal Information, and is not subject to protection under Privacy Policy. Since such public environments are accessible by third parties, it is possible that third parties may collect and collate and use such information for their own purposes. You should accordingly be careful when deciding to share any of Your Personal Information in such public environments. Information, which is disclosed publicly, is also shared with our affiliates, third party service providers, sponsors of competitions etc. unless expressly stated otherwise. The Company shall not be liable to You or to any third party for any damages that You or any third party may suffer howsoever arising from Your disclosure of Personal Information in any public environment. You accordingly disclose information in a public environment at Your own risk.
The Website uses temporary cookies to store certain information (that is not sensitive personal data or information) that is used by the Company and its service providers for the technical administration of the Website, research and development, and for user administration. In the course of serving advertisements or optimizing services to You, the Company may allow authorized third parties to place or recognize a unique cookie on the User’s browser. The cookies however, do not store any of Your Personal Information. You may adjust Your internet browser to disable cookies. If cookies are disabled You may still use the Website, but the Website may be limited in the use of some of the features.
Google Analytics and similar platforms: We may use Google Analytics and similar platforms tracking to review visitor website activities, including: page views, source and time spent on our website. The collected information is depersonalized and is displayed as numbers, meaning it cannot be tracked back to individuals. This will help to protect your privacy. Using Google Analytics, we learn how to give you a better visitor experience. Google AdWords: Using Google AdWords tracking codes, we can see which pages help lead to different conversions on Guru.com. This allows us to better use our paid advertising budget. Remarketing With Google Analytics: We use the Google Analytics or similar platform remarketing code to log when visitors view specific web pages. This allows us to provide targeted advertising in the future.
Visitors can opt out of Google Analytics / similar platforms for Display Advertising and customize Google Display Network ads using their Ads Settings. Additionally, visitors can opt out of the Google Analytics Browser Add-On.
The Company has right to collect the information and the same can be done for the following reasons:
A. the Company regularly makes improvements to the Website to provide its many users with a more personalized, relevant and intelligent service. The collection of Personal Information greatly assists us in this improvement process by identifying the interests and needs of the many users to this Website. Collection of Personal Information also assists the Company by allowing it and its affiliates to advertise its products and/or services in a more efficient manner. Through the use of Cookies and on-line data entry, survey, product purchase and registration forms, we may monitor, in aggregate and individual form, Personal Information. Although our primary goal in collecting Personal Information is to deliver a customized and personalized service to the users of the Website, we may also use Personal Information to send users e-mail notification of new features or information available through the Website or that Company otherwise feels might be of interest to users of this Website;
B. comply with any statutory or regulatory requirement.
C. compile statistical and demographical profiles about You for our business and marketing activities and to customize our services for You. While we are entitled to use such information about You for our own internal business purposes without limitation, we will only disclose it in an aggregated form which is not capable of being used or interpreted in such a manner as to identify You; and
D. monitor Your use of our services for the purposes of ensuring compliance with our user Agreement.
We collect and store Your Correspondence Information and Personal Identifiers to:
A. comply with our obligations under law; and
B. monitor Your use of our Services in order to ensure Your compliance with our user Agreement.
If we are required to intercept, disclose, monitor and/or store Your Personal Information:
i. by law;
ii to conduct our business;
iii. to secure our systems; or
iv. to enforce our own rights, we will do so in the manner as prescribed by law.
Such interception, disclosure, monitoring and storage may take place without Your knowledge.
In that case, we will not be liable to You or any third party for any damages howsoever arising from such interception, disclosure, monitoring and storage. In order to ensure that all our Users comply with the user Agreement/Terms of use, we may monitor Your Personal Information to the extent that this may be required to determine compliance and/or to identify instances of non-compliance. To ensure that the security and integrity of our Services are safeguarded, we may monitor Your Personal Information. This monitoring may include (without limitation) the filtering of incoming and outgoing electronic data messages to identify, limit and/or prevent the transmission of spam, viruses and/or unlawful, defamatory, obscene or otherwise undesirable material or content. We may under certain circumstances procure an element of the Services from a third party service provider. To the extent that it may be necessary, and solely for the purposes of providing the Service to You, You agree that we may disclose to such third party any of Your Personal Information that may be necessary for the procurement of services from the third party.
We may send periodic promotional or informational mails to You. You may opt-out of such communications by following the opt-out instructions contained in the email. Please not that it may take up to 10 (ten) business days for us to process opt-out requests. If You opt-out of receiving emails about recommendations or other information we think may interest You, we may still send You emails about Your Account or any Services You have requested or received from us.
The Website may contain links to other websites or resources over which the Company does not have any control. Such links do not constitute an endorsement by the Company of such external websites. You acknowledge that the Company is providing these links to You only as convenience, and further agree that the Company is not responsible for the content of such external websites. We are not responsible for the protection and privacy of any information which You provide while visiting such external websites and such sites are not governed by this Policy. Your use of any external website is subject to the terms of use and privacy policy located on the linked external website.
We employ procedural and technical security measures, which are reasonably designed to help protect Your personal information from unauthorized access or disclosure. The Company may use encryption, passwords, and physical security measures to help protect Your personal information against unauthorized access and disclosure. No security measures, however, are 100% complete. Therefore, we do not promise and cannot guarantee, and thus You should not expect, that Your personal information or private communications cannot be collected and used by others. You should take steps to protect against unauthorized access to Your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess, and keeping Your log-in and password private. We are not responsible for the unauthorized use of Your information or for any lost, stolen, compromised passwords, or for any activity on Your Account via unauthorized password activity.
You are responsible for maintaining the accuracy of the information provided by You. We will retain Your information for as long as Your account with services is active and as needed to provide You with the Services. We shall not retain such information for longer than is required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force. After a period of time, Your data may be anonymized and aggregated, and then may be held by us as long as necessary for us to provide our Services effectively, but our use of the anonymized data will be solely for analytic purposes. Please note that Your withdrawal of consent, or cancellation of account may result in the Company being unable to provide You with its services or to terminate any existing relationship which the Company may have with You.
You have certain choices regarding how we may communicate with you.
Registered users may update their choices regarding the types of communications you receive from us through your online account. You may also opt-out of receiving marketing emails from us by following the opt-out instructions provided in those emails. Please note that We reserve the right to send you certain communications relating to your account or use of the service (for example, administrative and service announcements) via email and other means and these transactional account messages may be unaffected if you opt-out from receiving marketing communications. You may opt-out of receiving text messages as well. Registered users who access the Website may, with permission, receive push notifications. Similarly, registered users who access the Service by using certain desktop browsers may, with permission, receive push notifications. Notification preferences can be modified in the settings menu for the Website or the applicable browser.
The Company may update this Privacy Policy at any time with or without advance notice. Such changes may be reflected by displaying a notice on the website or sending emails to all users/account holders. However, we will use your Personal Information in a manner consistent with the Privacy Policy in effect at the time you submit the information, unless you consent to the new or revised policy.
You acknowledge that this Privacy Policy is a part of the Terms of Use and You unconditionally agree that becoming a user of the Website or by visiting the Website, you signify Your (i) assent to this Privacy Policy, and (ii) consent to the Company for using, collecting, processing and/or disclosing Your Personal Information in the manner and for the purposes set out in this Privacy Policy. Your visit to the Website is subject to this Privacy Policy and the Terms of Use.
