Welcome to OhyaInvestment ("Ohya," "we," "us," or "our"), a platform where fractional investment meets financial freedom. By accessing or using our website (www.ohyainvestment.com), mobile application, or any related services (collectively, the "Platform"), you agree to be bound by these Terms and Conditions ("Terms"). These Terms govern your use of the Platform, your participation in fractional investment opportunities, and your relationship with OhyaInvestment. Please read them carefully. If you do not agree to these Terms, you may not access or use the Platform.
This document is an electronic record in terms of Information Technology Act, 2000 and rules made there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and user agreement for access or usage of our website ‘(www.ohyainvestment.com)’ (hereinafter referred to as the "Website") The Platform (hereinafter defined) refer to an internet based portal owned and operated by 24E-SERVICES PRIVATE LIMITED, company duly incorporated under the Companies Act, 2013, and having its registered office located at A 36 Nanak Pura near Metro Pillar no. 59, Vikas Marg, Laxmi Nagar, New Delhi, Delhi - 110092
1. Scope of This Policy
This Privacy Policy applies to all personal information collected from Users, including prospective and registered Investors participating in fractional investment opportunities on the Platform. It does not apply to information collected by third-party websites or services linked from our Platform, which are governed by their respective privacy policies.
2. Information We Collect
2.1 Personal Information You Provide
Registration and Account Creation - Name, email address, phone number, date of birth, and other details provided during sign-up.
KYC Verification - Government-issued identification (e.g., PAN, Aadhaar, Passport), proof of address, and bank account details required for investment and withdrawals.
Communication - Information shared when you contact us via email, phone, or support forms (e.g., queries, feedback).
Investment Details - Transaction data, investment amounts, and preferences submitted through the Platform.
2.2 Information Collected Automatically
Usage Data - IP address, browser type, device information, operating system, pages visited, and time spent on the Platform.
Cookies and Tracking Technologies - Data collected via cookies, web beacons, or similar tools to enhance user experience, analyze trends, and personalize content (see Section 7 for details).
2.3 Information from Third Parties
Aggregated or anonymized data from analytics providers, business partners, or public sources to improve our services or comply with legal obligations.
3. How We Use Your Information
We use your information for the following purposes
Service Delivery - To facilitate fractional investments, process transactions, distribute annual returns, and manage your account.
KYC and Compliance - To verify your identity, prevent fraud, and comply with legal requirements under the Prevention of Money Laundering Act, 2002 (PMLA), and other regulations.
Communication - To send transactional updates (e.g., investment confirmations, withdrawal status), respond to inquiries, and provide customer support.
Improvement and Analytics - To analyze Platform usage, enhance functionality, and optimize user experience.
Marketing - To send promotional offers, newsletters, or updates about new investment opportunities (with your consent, where required). You may opt out at any time (see Section 9).
Legal Obligations - To meet regulatory, tax, or law enforcement requirements.
4. How We Share Your Information
We do not sell your personal information. However, we may share it under the following circumstances
4.1 With Service Providers
To trusted third parties (e.g., payment processors, IT support, KYC verification agencies) who assist in operating the Platform, bound by confidentiality obligations.
4.2 With Business Partners
To entities managing Properties or facilitating investment opportunities, solely for operational purposes.
4.3 For Legal Compliance
To government authorities, courts, or regulators when required by law, such as for identity verification, fraud prevention, or investigation of illegal activities.
4.4 In Aggregated Form
Anonymized or aggregated data may be shared with partners or analysts to study trends or improve services.
4.5 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the succeeding entity, with notice to you where feasible.
5. Data Security
5.1
We implement reasonable technical, physical, and organizational measures (e.g., encryption, secure servers, access controls) to protect your personal information from unauthorized access, loss, or misuse.
5.2
However, no online platform can guarantee absolute security. We are not responsible for breaches caused by factors beyond our reasonable control, such as hacking, cyberattacks, or third-party actions.
6. Data Retention
6.1
We retain your personal information only as long as necessary to fulfill the purposes outlined in this Policy, comply with legal obligations, or resolve disputes.
6.2
Typically, account data is retained for 5 years post-account closure, as required under Indian financial regulations, unless a longer period is mandated by law.
6.3
Anonymized data may be retained indefinitely for analytical purposes.
7. Cookies and Tracking Technologies
7.1 We use cookies and similar technologies to
Ensure Platform functionality (e.g., login sessions).
Analyze usage patterns and improve services.
Deliver personalized content or ads (if applicable).
7.2 Types of Cookies
Essential - Required for basic Platform operation.
Analytical - Track usage metrics (e.g., Google Analytics).
Marketing - Enable targeted promotions (optional).
7.3
You can manage cookie preferences via your browser settings. Disabling cookies may limit certain Platform features.
8. Your Rights
Under applicable laws, including the Digital Personal Data Protection Act, 2023 (where enforced), you have the following rights -
Access - Request details of the personal information we hold about you.
Correction - Update inaccurate or incomplete data.
Deletion - Request erasure of your data, subject to legal retention obligations.
Objection - Opt out of marketing communications or object to certain processing activities.
Portability - Request a copy of your data in a structured format (where feasible).
To exercise these rights, contact us at _______________________. We will respond within 30 days, subject to verification of your identity.
9. Marketing and Opt-Out
9.1
We may send you promotional emails or notifications about new investment opportunities.
9.2
You can unsubscribe at any time by clicking the “unsubscribe” link in emails or contacting us at __________________________. Opting out of marketing does not affect transactional communications.
10. Third-Party Links and No Redirection
10.1
The OhyaInvestment Platform may contain links to third-party websites (e.g., payment gateways) for operational purposes. We do not automatically redirect you to external websites without your explicit action (e.g., clicking a link).
10.2
We are not responsible for the privacy practices or content of third-party sites. Please review their policies before sharing information with them.
11. International Data Transfers
11.1
Your data is primarily stored and processed in India. If transferred outside India (e.g., to cloud servers or service providers), we ensure compliance with applicable data protection laws and implement safeguards like standard contractual clauses.
12. Children’s Privacy
12.1
The Platform is not intended for individuals under 18. We do not knowingly collect data from minors. If you believe we have such data, contact us immediately to request its deletion.
13. Amendments to This Policy
13.1
We may update this Privacy Policy to reflect changes in our practices, technology, or legal requirements. Updates will be posted on the Platform and, where significant, notified via email at least 15 days before taking effect.
13.2
Continued use of the Platform after amendments constitutes your acceptance of the revised Policy.