Privacy Policy

This Privacy Policy ("Policy") describes how Neuodds Technology Private Limited ("Neuodds", "we", "us", or "our") collects, uses, stores, discloses, and protects information obtained through https://neuodds.com and the Neuodds platform (collectively, the "Platform").

By accessing or using the Platform, you agree to the practices described in this Policy. If you do not agree, please discontinue use of the Platform immediately.

1. Information We Collect

1.1 Information You Provide

• Identity data: Full name, designation, business email address, phone number, company name, and stakeholder type submitted via enquiry or onboarding forms.
• Business data: GST registration number, MSME certificate, bank account details, credit insurance policy references, and invoice data submitted for financing.
• Communication data: Messages and correspondence exchanged with our relationship management or support teams.

1.2 Automatically Collected Data

• IP address (stored as a SHA-256 hash for analytics — the raw IP is not retained beyond 30 days).
• Browser type, operating system, and referring URL (for platform analytics and security).
• UTM parameters and session data for marketing attribution.

2. How We Use Your Information

• To process and respond to partner enquiries and onboarding applications.
• To verify business identity (KYB) and facilitate credit insurance policy linkage.
• To structure, disburse, and administer invoice financing transactions.
• To comply with RBI guidelines, PMLA obligations, and applicable Indian law.
• To improve platform security, detect fraud, and prevent unauthorised access.
• To send transactional communications (disbursement confirmations, repayment reminders). Marketing communications require separate opt-in consent.

3. Data Sharing

We share your data only with parties necessary to operate the Platform:

• Partner Credit Insurers: Invoice and buyer data required for policy matching and claims facilitation.
• Partner NBFCs: Verified receivable data packages required for credit decisioning and disbursement.
• Regulatory Authorities: RBI, SEBI, IRDAI, or tax authorities where disclosure is legally mandated.
• Technology Sub-processors: Cloud hosting, email delivery, and KYB verification providers operating under binding data processing agreements.

We do not sell, rent, or trade personal data to third parties for marketing or commercial purposes.

4. Data Retention

Business and transaction records are retained for a minimum of 8 years from the date of the last transaction, in compliance with the Companies Act 2013 and RBI record-keeping guidelines. Contact form enquiry data is retained for 3 years unless converted to an active partnership relationship.

5. Security

We implement AES-256 encryption for data at rest, TLS 1.3 for data in transit, role-based access control, and ISO 27001-aligned security policies. We conduct annual third-party penetration testing and maintain an immutable audit log for all platform actions.

6. Your Rights

Under applicable Indian data protection law (DPDP Act, 2023), you have the right to: access your personal data held by us; correct inaccurate data; withdraw consent for non-essential processing; and raise grievances with our Data Protection Officer.

Data Protection Officer: dpo@neuodds.com

7. Cookies

We use only first-party, session-scoped cookies for CSRF protection and session management. We do not deploy third-party advertising or tracking cookies. Our privacy-safe analytics are powered by our own first-party data layer.

8. Changes to This Policy

We may update this Policy to reflect regulatory changes or platform evolution. Material changes will be communicated via the registered email address of active platform participants. Continued use of the Platform after the effective date of changes constitutes acceptance.

9. Contact

For any privacy-related queries:
Neuodds Technology Private Limited
Email: info@neuodds.com
Address: Mumbai, Maharashtra, India