Privacy Policy

Collective Wisdom ("App," "We," or "Us") is dedicated to protecting your privacy and safeguarding your personal information ("Customer"). Your trust is paramount, and we are committed to maintaining the confidentiality and security of your data.

1. Information We Collect

To provide our services and manage your account, we collect the following information during registration:

  • Personal Information: First name, last name, email address, mobile number, date of birth, age, gender, marital status, pincode, and district.
  • Professional and Financial Details: Occupation, industry, monthly income, and education level.
  • Lifestyle and Preferences: Family member details, residential status, preferred local language, shopping preferences, social media usage, WhatsApp communication preferences, brand preferences, and hobbies.
  • Referral Data: A unique referral code generated for your account.
  • Account Credentials: User ID, password, or other login methods (e.g., Facebook, Gmail, or other valid email-based logins).

We also collect data to verify your identity and ensure the integrity of your account, such as checking for duplicate mobile numbers.

2. How We Use Your Information

Your personal information is used solely for the following purposes:

  • To create, manage, and secure your account, including mobile number verification to prevent duplicates.
  • To deliver products or services you request through the App.
  • To enhance your user experience by personalizing content and recommendations.
  • To communicate account updates, service changes, or promotional offers via SMS, email, or phone calls, based on your preferences.
  • To prevent fraud and enforce our terms of service.
  • To generate and manage your unique referral code.

3. How We Protect Your Information

We store and process your data on secure systems protected by physical and technological safeguards, in compliance with the Information Technology Act, 2000, and its associated rules. Access to your personal information is restricted to authorized Collective Wisdom employees on a need-to-know basis, all of whom are bound by strict confidentiality agreements.

4. Sharing Your Information

We do not sell, rent, or share your personal information with third parties for commercial purposes, except in the following circumstances:

  • Payment Processing: We may share necessary information with trusted payment service providers to process transactions (e.g., net banking or credit/debit card validation). By using our services, you consent to this transfer.
  • Business Transfers: In the event of a merger, acquisition, or reorganization, your information may be transferred as a business asset. We will require the acquiring entity to adhere to this privacy policy.
  • Legal Obligations: We may disclose your information if required by law or to protect our legal rights.

5. Account Security and Your Responsibilities

To access our services, you must register an account with accurate and complete information. You are responsible for:

  • Safeguarding your account credentials and maintaining their confidentiality.
  • Promptly notifying us of any unauthorized access or security breaches.
  • Logging out of your account after each session.

Collective Wisdom is not liable for losses or damages resulting from your failure to secure your account. Providing false, inaccurate, or incomplete information may result in account suspension or termination.

6. Communications

By registering, you consent to receive communications from us via SMS, email, or phone calls regarding your account, services, or promotions, as per your indicated preferences (e.g., WhatsApp updates). To opt out of promotional communications, you may:

  • Contact our support team to update your communication preferences.

7. Your Obligations

As a user, you agree to:

  • Provide true, accurate, and up-to-date account information.
  • Use the App for personal, non-commercial purposes only.
  • Maintain the necessary devices and internet connectivity to access the App.
  • Avoid using another user’s account or engaging in unlawful activities.

8. Updates to This Privacy Policy

We may revise this privacy policy to reflect changes in our practices or legal requirements. Significant updates will be communicated via email or through the App.

9. Contact Us

For questions or concerns regarding this privacy policy or your personal information, please contact us at contact@collectivewisdom.in or 9152511511.

By using the App, you acknowledge that you have read, understood, and agree to be bound by this privacy policy.