Miogra Seller Privacy Policy

1. Account & Developer Transparency

Data Fiduciary / App Owner: Kipgra Ventures Pvt Ltd

Application: Miogra Seller App

Contact Email: info@kipgraventures.org.in

Applicability: This policy applies exclusively to merchant/seller account owners, authorized business operators, and restaurant/store partners using the Miogra Seller platform.

2. Information We Collect

We collect data necessary to maintain your seller account, process payouts, verify business credentials, and fulfill store orders.

• Business Identity & KYC Data: Merchant/store name, owner full name, business registration details, PAN, GSTIN, FSSAI license numbers, and identity documents.
• Financial & Settlement Data: Bank account numbers, IFSC codes, UPI IDs, payout schedules, transaction histories, and settlement logs processed via payment partners.
• Location Data: Precise physical store location coordinates (geofencing and map markers) for order dispatch and customer distance calculations.
• Technical & Device Information: Android Advertising ID, IP address, device model, operating system version, app logs, and crash reports.

System Permissions

• Storage/Photos: Required solely when you upload store logos or menu/product images.
• Notifications: Critical alerts for incoming orders and payout updates.

3. How We Use Your Data

Your data is strictly processed to support app functionality and operational workflows:

• Onboarding, identity verification, and merchant KYC compliance.
• Displaying your menu, pricing, and availability to customers on the Miogra platform.
• Routing delivery partners to your store location for order collection.
• Processing daily/weekly financial settlements via payment gateways.
• Detecting, preventing, and mitigating fraudulent transactions, security breaches, or policy violations.

4. Payment Infrastructure & Cashfree Compliance

To process merchant payouts, auto-settlements, and payment reconciliations, Miogra integrates with Cashfree Payments India Pvt. Ltd.

• Card Data Policy: Miogra does not store card details, CVVs, or Net Banking credentials on its servers. All financial data processing complies with RBI guidelines and PCI-DSS standards managed directly by Cashfree.
• Tokenization & Processing: Financial transactions and settlement routines are encrypted end-to-end between the app and Cashfree's secure API ecosystem.
• Third-Party Terms: By agreeing to this policy, you acknowledge that financial processing is subject to Cashfree’s Privacy Policy and Merchant Terms.

5. Third-Party Data Sharing & Sub-Processors

We do not sell, rent, or trade merchant or personal data. We share minimal operational data strictly with:

• Payment Gateways (Cashfree): For account verification, settlement execution, and AML checks.
• Logistics & Delivery Partners: To verify store location and dispatch orders.
• Cloud & Security Infrastructure: Hosting services (e.g., AWS) and analytical services under non-disclosure obligations.
• Legal Authorities: When required by law enforcement, regulatory directives, or tax authorities (e.g., GST reporting).

6. Data Security, Retention, and Storage

• Security Practices: We employ HTTPS/TLS encryption for all server-to-app transmissions, access-controlled databases, and routine vulnerability scanning.
• Data Storage: Data is stored on secure cloud servers located within India in compliance with Indian data localization laws.
• Retention: Active store account data is retained while your business relationship with Miogra is operational. Transactional and invoice logs are retained for minimum statutory periods (e.g., 7 years for Indian Income Tax and GST compliance).

7. Google Play Data Safety Declarations

In compliance with Google Play Store Developer Policies, this table summarizes our Data Safety declarations:

8. User Rights & Account Deletion Policy

As a merchant partner, you have the right to access, update, or request the deletion of your data.

• Modifications: You can update your store details, operational hours, and profile settings directly inside the Miogra Seller App.
• Account Deletion Request: You can request seller account termination and data removal by navigating to Settings > Account > Delete Seller Account inside the app, or by emailing info@kipgraventures.org.in.
• Deletion Processing: Upon request, personal identifiers and credentials are removed within 30 days. Financial and tax transaction records will be retained in read-only form to meet legal requirements.

9. Grievance Redressal & Contact

For concerns regarding data protection, app privacy, or payment processing compliance, please reach out to our Grievance Officer: