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Privacy Policy – Challengerate.com

Effective Date: As published on the Platform
Last Updated: December 2024

At Challengerate.com ("Platform," "we," "us," or "our"), operated by ChallengeRate, we are committed to protecting the privacy and security of all users, including buyers, manufacturers, partners, and other stakeholders ("you" or "User"). This Privacy Policy explains how we collect, use, store, disclose, and protect your information when you access or use our Platform and services.

By accessing or using Challengerate.com, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree, please discontinue use of the Platform immediately.

1. Information We Collect

We may collect and process the following categories of information:

1.1 Information You Provide Directly

  • Account Information: Name, email address, phone number, business name, GST number, PAN, business address, and other registration details.
  • Transaction Information: Order details, payment information, invoices, shipping addresses, and communication records.
  • Verification Documents: Government-issued IDs, business licenses, bank account details, and other documents required for verification purposes.
  • Communications: Messages, support tickets, feedback, reviews, and other communications with us or other users.

1.2 Information Collected Automatically

  • Device & Technical Information: IP address, browser type, operating system, device identifiers, and access timestamps.
  • Usage Data: Pages visited, features used, search queries, clickstream data, and interaction patterns.
  • Location Data: Approximate location based on IP address or, with your consent, precise location data.
  • Cookies & Tracking Technologies: Information collected through cookies, web beacons, pixels, and similar technologies.

1.3 Information from Third Parties

We may receive information from payment processors, logistics partners, verification services, marketing partners, and other third-party sources to enhance our services and verify user information.

2. How We Use Your Information

We use collected information for the following purposes, including but not limited to:

  1. Platform Operations: To facilitate transactions, process orders, manage accounts, and provide customer support.
  2. Verification & Compliance: To verify user identity, prevent fraud, ensure regulatory compliance, and maintain platform integrity.
  3. Payment Processing: To process payments, manage escrow, handle refunds, and facilitate financial transactions.
  4. Communication: To send transactional notifications, updates, promotional materials (with consent), and respond to inquiries.
  5. Platform Improvement: To analyze usage patterns, improve features, personalize user experience, and develop new services.
  6. Legal & Safety: To enforce our terms, protect rights and safety, respond to legal requests, and prevent harmful activities.
  7. Marketing & Analytics: To conduct research, analyze trends, and deliver targeted advertising (where permitted).
  8. Any Other Lawful Purpose: As reasonably necessary for our legitimate business interests or as otherwise permitted by law.

3. Information Sharing & Disclosure

We may share your information with the following categories of recipients:

  1. Other Users: Buyers and manufacturers may view each other's business information as necessary to complete transactions.
  2. Service Providers: Third-party vendors providing payment processing, logistics, cloud hosting, analytics, customer support, and other operational services.
  3. Partners: Sales partners, purchase partners, dealers, and other business partners involved in facilitating transactions.
  4. Legal & Regulatory Authorities: Government agencies, courts, law enforcement, or regulatory bodies when required by law or to protect our legal rights.
  5. Business Transfers: In connection with mergers, acquisitions, reorganizations, bankruptcy, or sale of assets, your information may be transferred to successors or assignees.
  6. With Your Consent: To any other party when you have provided explicit consent for such disclosure.

We reserve the right to disclose information as we deem necessary to comply with applicable laws, respond to legal processes, protect our rights or property, prevent fraud, ensure user safety, or address technical issues.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your information, including:

  1. Encryption of data in transit and at rest
  2. Secure payment processing through certified payment gateways
  3. Access controls and authentication mechanisms
  4. Regular security assessments and monitoring

Disclaimer: Despite our efforts, no method of transmission or storage is completely secure. We cannot guarantee absolute security, and you acknowledge that you provide information at your own risk. We shall not be liable for any unauthorized access, data breach, or security incident beyond our reasonable control.

5. Data Retention

We retain your information for as long as necessary to:

  1. Provide our services and fulfill the purposes outlined in this Policy
  2. Comply with legal, accounting, and regulatory obligations
  3. Resolve disputes, enforce agreements, and protect our legal rights
  4. Maintain business records as required by applicable laws

After the retention period expires, we may anonymize, aggregate, or securely delete your information at our discretion.

6. Your Rights & Choices

Subject to applicable laws and our legitimate business interests, you may have the following rights:

  1. Access: Request access to your personal information held by us.
  2. Correction: Request correction of inaccurate or incomplete information.
  3. Deletion: Request deletion of your information, subject to legal and contractual obligations.
  4. Withdrawal of Consent: Withdraw consent for processing, where consent is the legal basis.
  5. Opt-Out: Opt-out of marketing communications by following unsubscribe instructions.

Note: Exercise of certain rights may impact your ability to use the Platform. We may decline requests that are unreasonable, repetitive, or would compromise the rights of others. Verification of identity may be required before processing requests.

7. Cookies & Tracking Technologies

We use cookies and similar tracking technologies for:

  • Essential Operations: Session management, authentication, and security.
  • Performance & Analytics: Understanding usage patterns and improving the Platform.
  • Personalization: Remembering preferences and customizing experience.
  • Advertising: Delivering relevant advertisements and measuring campaign effectiveness.

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect Platform functionality.

8. Third-Party Links & Services

The Platform may contain links to third-party websites, applications, or services not operated by us. We are not responsible for the privacy practices of such third parties. We encourage you to review their privacy policies independently. Any interaction with third-party services is at your own risk.

9. Children's Privacy

The Platform is intended for business users and is not directed at individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

10. International Data Transfers

Your information may be transferred to, stored, and processed in countries other than your country of residence. By using the Platform, you consent to such transfers. We will take reasonable steps to ensure appropriate safeguards are in place.

11. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time, at our sole discretion, without prior notice. Changes will be effective immediately upon posting on the Platform. Your continued use of the Platform after any changes constitutes acceptance of the revised Policy. We encourage you to review this Policy periodically.

12. Limitation of Liability

To the maximum extent permitted by applicable law:

  1. We shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from the collection, use, or disclosure of your information.
  2. We shall not be liable for any loss or damage resulting from unauthorized access to your information due to factors beyond our reasonable control.
  3. Our total liability, if any, shall not exceed the fees paid by you to us in the twelve (12) months preceding the claim.
  4. You agree to indemnify and hold us harmless from any claims arising from your breach of this Policy or misuse of the Platform.

13. Governing Law & Dispute Resolution

This Privacy Policy shall be governed by and construed in accordance with the laws of India. Any disputes arising under or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts located in Gujarat, India. Before initiating legal proceedings, parties agree to attempt resolution through good-faith negotiation.

14. Severability

If any provision of this Privacy Policy is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

15. Entire Agreement

This Privacy Policy, together with our Terms of Service and other applicable policies, constitutes the entire agreement between you and ChallengeRate regarding the subject matter herein and supersedes all prior agreements, representations, and understandings.

16. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

By using Challengerate.com, you acknowledge that you have read, understood, and agree to this Privacy Policy.