Privacy Policy

1. Scope of Policy

This Privacy Policy applies to:

• Visitors to our website.
• Customers using our SaaS applications, APIs, and AI-driven platforms.
• Businesses purchasing our physical/phygital products (e.g., POS hardware, branded devices).
• Partners, vendors, and affiliates interacting with our ecosystem.

1.1 Products and Platforms

LoQal AI Ventures Private Limited operates multiple digital products and technology platforms within its ecosystem.

These may include AI platforms, SaaS systems, APIs, phygital solutions, hardware-enabled services, and product-specific applications.

One such product is the Migo digital card platform , which enables users to create and manage NFC-enabled digital profiles.

Certain products may maintain supplementary privacy policies or product-specific terms to address features unique to those platforms.

In cases where additional policies apply, those product-specific policies will complement this corporate privacy framework.

2. Information We Collect

We collect the following categories of information to deliver and improve our Services:

a) Personal Data

• Name, email address, phone number.
• Company name, job title, business category.
• Billing and payment information (processed securely via third parties).

b) Usage Data

• Device type, browser type, IP address.
• Operating system, access times, referring pages.
• Log files for diagnostics and security monitoring.

c) Location Data

• Approximate or precise geolocation (only with your consent).
• Used to enable region-specific features, analytics, and personalization.

d) Cookies & Tracking Technologies

We use cookies, web beacons, and scripts to:

• Remember preferences.
• Track usage analytics.
• Deliver personalized experiences.
• Optimize campaigns.

You can manage cookie preferences via your browser settings.

3. How We Use Your Information

Your information is used for:

• Service Delivery: To provide access to SaaS tools, APIs, and phygital solutions.
• Personalization: To tailor dashboards, recommendations, and AI outputs.
• Communication: To send updates, newsletters, offers, and support responses.
• Improvement: To enhance AI models, customer experience, and product reliability.
• Compliance: To meet regulatory, tax, and security obligations.

4. Information from Third Parties

We may receive limited data from trusted third parties, such as:

• Payment gateways, cloud providers, and analytics tools.
• Marketing and lead-generation platforms.
• Public data sources (e.g., business registries, social platforms — as permitted by your settings).

5. Sharing of Information

We share your data only when necessary:

• With Service Providers: Hosting, analytics, cloud, payment processing.
• With Partners: Technology, consulting, and vendor collaborations.
• With Regulators: To comply with legal obligations or law enforcement.
• During Transactions: In case of merger, acquisition, or restructuring.

We never sell your personal information.

6. International Data Transfers

Your information may be processed and stored on servers located in India, the EU, or other jurisdictions where we or our partners operate.

We comply with applicable cross-border data laws (e.g., GDPR Standard Contractual Clauses).

7. Data Retention

We retain your data only as long as necessary:

• Account data: while you are an active customer.
• Transactional data: as per financial regulations.
• Analytical logs: typically anonymized after 24 months.

Once no longer required, data is securely deleted or anonymized.

8. Data Security

We implement multiple safeguards:

• Encryption: SSL/TLS for data in transit, AES encryption for sensitive data.
• Access Controls: Role-based permissions for employees.
• Monitoring: Continuous intrusion detection and anomaly reporting.
• Compliance: Alignment with ISO 27001, SOC 2, Indian DPDP Act 2023.

While we take extensive measures, no system is 100% secure.

9. Your Rights

Depending on your jurisdiction (e.g., GDPR, CCPA, Indian DPDP), you may:

• Request access to your data.
• Correct or update inaccuracies.
• Request deletion (subject to legal obligations).
• Opt out of marketing communications.
• Restrict or object to processing.
• Request data portability.

Contact us at info@loqal.ai to exercise these rights.

10. Children’s Privacy

Our Services are not directed to children under 13 (or under 18 where restricted). We do not knowingly collect data from minors. If discovered, such data will be deleted immediately.

11. Legal Basis for Processing

We process personal data under the following bases:

• Contractual necessity (to deliver Services).
• Legitimate interest (to improve and secure systems).
• Consent (for marketing, cookies, location data).
• Legal obligation (tax, regulatory, compliance).

12. Policy Updates

We may update this Privacy Policy periodically.
Changes will be posted here with a revised “Effective Date.”
Significant updates may also be communicated via email or dashboard notifications.

13. Governing Law

This Policy is governed by the laws of India. Disputes fall under the jurisdiction of New Delhi courts.

14. Contact Us

For questions, concerns, or complaints: