Privacy Policy

This document is an electronic record in terms of Information Technology Act, 2000 and rules 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 Terms and Conditions for access or usage of domain name https://play.google.com/store/apps/details?id=com.zibcha ('Website'), including the related mobile site and mobile application (hereinafter referred to as 'Application’ ‘Service’ ‘Platform').

The Platform is owned by IKSHUDHAN NEXTGEN SOLUTIONS OPC Private LTD, a company incorporated under the Companies Act, 1956 with its registered office at FT NO 4001, BLOCK C, LUXOR APARTMENTS, MASJID, Kondapur, Serilingampally, K V Rangareddy 500084, Telangana, Hyderabad, India (hereinafter referred to as ‘Service Provider’ ‘Platform Owner’, 'we', 'us', 'our').

This Privacy Statement shall apply uniformly to Platform, which is owned by IKSHUDHAN NEXTGEN SOLUTIONS OPC Private LTD. This Privacy Statement outlines how the Platform collects, uses, shares, retains, transfers, and stores your Personal Data.

By using our products or services, you agree to this Privacy Statement and provide your free, specific, informed, unambiguous and unconditional consent to the practices described in this Privacy Statement. Please note that you may be able to browse certain sections of the Platform without registering with us. We do not offer any product/service under this Platform outside India and your personal data will primarily be stored and processed in India.

Zibcha collects your Personal Data only to the extent necessary to process your requirements, in the manner prescribed in this Privacy Statement, and in accordance with the applicable laws. However, in case you choose not to share your Personal Data as required with us, we may not be able to provide you with any products or services.

 

Definitions

“Assets” refer to any personal, financial, or official documents, notes, or digital files that a user uploads, stores, categorizes, or manages within the Zibcha platform. These may include, but are not limited to, insurance policies, bank account details, investment proofs, property papers, wills, identification documents, emergency instructions, or any other information the user deems necessary to retain or share securely via the app.

“Contacts” refer to individuals whom the user designates within the Zibcha platform to either view, receive, or be notified about specific Records. These individuals may include family members, trusted friends, legal representatives, or any other person authorized by the user. Contacts may be invited to access Zibcha through verification mechanisms and may be assigned permissions or roles as defined by the user, such as emergency contact or dependent.

“NLP” stands for No Longer Present, a status within the Zibcha platform used to indicate that a user is deceased. This designation is not assigned automatically but is initiated by one or more verified Contacts of the user. After a predefined validation period, which may include verification steps such as submission of a death certificate or consensus from multiple Contacts, the user’s status is updated to NLP.

Once marked as NLP, Zibcha may trigger workflows such as granting access to specific Records previously marked for posthumous release, notifying designated Contacts, and activating emergency protocols as configured by the user. This mechanism ensures that essential documents and information are securely and respectfully passed on when the user is no longer present.

 

User Provided Information

1. The System allows the user to browse the app/website without signing up. In this case it will not capture any specific personal information about the user (for example name, phone number, email ID) that may not allow us to identify anyone individually.
2. In case the user wishes to sign up for Zibcha Account, the user must provide his/her personal mobile number and email ID.
3. Zibcha Portal collects information such as Internet Protocol (IP) Addresses, Domain name, Browser type, Operating System, Date and Time of the visit, Pages visited, Referring URLs etc. However no attempt is being made to link these with the identity of individuals visiting the Zibcha Portal unless an unlawful attempt to violate/infringe the Zibcha service and privacy policy or provisions of the Information Technology Act, 2000 or under any law for the time being in force has been detected.
4. The Zibcha System uses cookies and these cookies are used to record current session information to improve the user experience of Zibcha and to tailor it to his/her preference. Further the user can control the cookies through his browser settings and use of other tools. The blocking of cookies may however result in non-continuance of the Zibcha Session. The users are well advised to close their sessions after use so as to avoid possible misuse of cookie information.
5. The Zibcha System does not share/disclose any information at the time of sign up with any individual or Organization (public or private) unless and until it is required by law or it is authorized by the account holder with his/her consent.
6. The Zibcha Account holder will be at liberty to share his/her uploaded documents to any individual at his/her own accord and free will by providing his/her express consent. The responsibility of sharing of documents with requesters or other entities lies with the user only as the application system merely facilitates the sharing of documents.
7. The Zibcha account holder is solely responsible for all the self-uploaded documents. At no point of time the account holder is allowed to share or perform any act which may be in violation of the terms and conditions of Zibcha service, privacy policy or provisions of the Information Technology Act, 2000 or any other law for the time being in force.
8. The Service Provider may also use the information you provided them to contact you from time to time to provide you with important information, required notices and marketing promotions.
9. Zibcha collects your Personal Data, as you have disclosed to us, to provide and continually improve its products or services. The Personal Data collected includes but is not limited to:
   • Contact Details: Name, mobile number, date of birth, gender, age.
   • Audio and Visuals: Images of documents or photos required to avail any of our products/ services and voice recordings of your conversations with our customer care agent(s) to address your queries and/or grievances.
   • Surveys: Opinions provided by you to us by way of feedback or responses to surveys.
   • Mobile Device Information: Information obtained from your mobile device by way of using the application, like device location, communication information including phone number, SIM Serial Number, contacts and call logs, device information (including storage, model, IMEI, Network Carrier information), transactional and promotional SMS/app notifications.
10. Other access: This Application collects your device's location, which helps the Service Provider determine your approximate geographical location and make use of it in the ways below:
    • Geolocation Services: The Service Provider utilizes location data to provide features such as personalized content, relevant recommendations, and location-based services.
    • Analytics and Improvements: Aggregated and anonymized location data helps the Service Provider to analyze user behavior, identify trends, and improve the overall performance and functionality of the Application.
    • Third-Party Services: Periodically, the Service Provider may transmit anonymized location data to external services. These services assist them in enhancing the Application and optimizing their offerings.

 

Usage of the information

Zibcha processes your Personal Data with your consent or for legitimate uses, in its business activities for providing our products or services, and to perform, among other actions, the following:

• To process the data for the specified purposes for which it was provided to us voluntarily. For example, if you make a purchase and request a receipt from us, the application may process your Personal Data for that purpose.
• To facilitate the transactions or report on these transactions.
• To undertake research and analytics for offering or improving our products/services and our security and service quality.
• To develop new products/services and to monitor and review products/services from time to time.
• To check and process the requirements submitted to us for availing products/services and/or instructions or requests received from you in respect of the products/services.
• To respond to queries or feedback submitted by you.
• To verify your identity for us to provide or offer products/services to you.
• To share with you updates on changes to the products/services and their terms and conditions including the Zibcha Platform’s terms and conditions.
• To take up or investigate any complaints, claims or disputes raised by you or any third-parties.
• To notify in case of suspicious activities or blocking of transactions as per our risk engines.
• To carry screenings, audits, due diligence checks and/or record keeping purposes as lawfully required by us.
• To undertake financial, regulatory or management reporting and create and maintain various risk management models.
• To enable us to show you advertisements, selective offers and promotions, search results, location-based services, which are relevant to you and your interests.
• To auto populate such Third-Party pages based on your click on advertisement instances on our website and proceeding to such pages.
• To adhere to judgements, decrees, or orders issued under Indian Laws or those pertaining to contractual or civil claims under foreign laws.
• To fulfill state requirements for subsidies, benefits, services, certificates, licenses, or permits, or to ensure sovereignty, integrity, and security of India.
• To fulfill legal obligation under applicable laws to disclose information to the state or its instrumentalities.
• To respond to a life-threatening medical emergency ensuring safety and providing necessary assistance or services during disasters, epidemics, or disease outbreak.
• Interest-Based Advertising: We may collaborate with service providers, including social networks, to offer targeted advertising services customized based on your online activities over time. This helps to measure brand awareness and the effectiveness of our online advertising. These service providers may employ cookies and various technologies to collect information. Information collected during your use of our online services, including limited demographic information like age, may be utilized to target non-Zibcha advertisements based on your general online activity.

 

Third Party Access rights

• Only aggregated, anonymized data is periodically transmitted to external services to aid the Service Provider in improving the Application and their service. The Service Provider may share your information with third parties in the ways that are described in this privacy statement.
• Please note that the Application utilizes third-party services that have their own Privacy Policy about handling data. Below are the links to the Privacy Policy of the third-party service providers used by the Application:
  • Google Play Services
  • Google Analytics for Firebase

 

The Service Provider may disclose User provided and Automatically Collected Information:

• As required by law, such as to comply with a subpoena, or similar legal process;
• When they believe in good faith that disclosure is necessary to protect their rights, protect your safety or the safety of others, investigate fraud, or respond to a government request;
• With their trusted service providers who work on their behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this privacy statement.

 

Opt-out rights

We provide an option to all our users to delete or terminate their account when required. We extend an option to all our Users to petition for the deletion of their account via the support section of the Zibcha application. Upon receiving such a request, all information corresponding to the specific account, including but not limited to profile details, contacts and records data, referral data, Google OAuth sessions, will be eradicated. Please refer to the link here for details on data deletion.

 

Data Retention Policy, Managing Your Information

We support and encourage all users to contact us for questions, concerns, or suggestions relating to our privacy policy.

• The Service Provider will retain User provided data for as long as you use the Application and for a reasonable time thereafter. Personal Data will be retained only for the duration necessary to fulfill the purposes elucidated in this Privacy Policy, unless a longer retention period is necessitated by law or for directly related legitimate business purposes. Once the Personal Data is no longer required, it will be disposed of securely.
• If you'd like the Service Provider to delete User Provided Data that you have provided via the Application, please contact them at support@zibcha.com and we will respond in a reasonable time. Please note that some or all of the User Provided Data may be required in order for the Application to function properly.
• Under certain circumstances, you might be able to view or modify your personal data online. If your information is not accessible online, and you desire to procure a copy of specific information you provided to us, or if you become aware of inaccuracies in the data, we encourage you to reach out to us forthwith for correction.
• Retention of personal data is only for the duration necessary for us to fulfil the purposes mentioned in the privacy policy.

 

Children and Persons with Disabilities

• The Service Provider does not use the Application to knowingly solicit data from or market to children under the age of 18.
• The Application does not address anyone under the age of 18. The Service Provider does not knowingly collect personally identifiable information from children under 18 years of age.
• We obtain verifiable consent of the parent or lawful guardian prior to processing children’s Personal Data. If you have shared any Personal Data of children under the age of 18 years, you represent that you have the authority to do so and permit us to use it in accordance with this Privacy Statement.
• Additionally, we obtain verifiable consent of the parent or lawful guardian of Persons with Disability, prior to processing their Personal Data. Zibcha does not engage in tracking, behavioral monitoring or targeted advertising concerning children’s Personal Data.

 

Security

• Your account is password protected. We use industry standard measures to protect the Personal Information that is stored in our database. We follow industry standard best practices on Information Security, as also mentioned in our website. We limit the access to your Personal Information to those employees and contractors who need access to perform their job function, such as our customer service personnel. If you have any questions about the security on Zibcha, please contact us at support@zibcha.com.
• We do not sell or share any personally identifiable information submitted on the Zibcha Portal/Website to any third party (public/private).
• Any such information provided to this website will be reasonably protected from loss, misuse, unauthorized access or disclosure, alteration, or destruction.

You hereby acknowledge that Zibcha is not responsible for any intercepted information sent via the internet, and you hereby release us from any and all claims arising out of or related to the use of intercepted information in any unauthorized manner.

Note: Please be aware that, although we endeavor to provide reasonable security for information we process and maintain, no security system can prevent all potential security breaches. As a result, we cannot guarantee the absolute security of your personal information and encourage users to take precautions, such as using strong passwords and keeping their credentials confidential.

 

Terms and modifications to this Privacy Policy

Our Privacy Policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this policy periodically. These changes will be effective immediately on the Users of Zibcha. Please note that at all times you are responsible for updating your Personal Information, including to provide us with your most current e-mail address.

If you do not wish to permit changes in our use of your Personal Information, you must notify us promptly that you wish to deactivate your account with us. Continued use of Zibcha after any change/amendment to this Privacy Policy shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

 

Compliance

• We ensure adherence to industry-standard best practices and applicable controls in line with these required certifications.
• Our usage of information received from Google APIs will comply with the Google API Services User Data Policy , encompassing the requirements for Limited Use.

 

User Consent

By using the Application, you are giving your consent to the Service Provider processing of your information as set forth in this Privacy Policy now and as amended by us. “Processing” means using cookies on a computer/hand held device or using or touching information in any way, including, but not limited to, collecting, storing, deleting, using, combining and disclosing information.

 

Contact us

If you have any questions regarding privacy while using the Application, or have questions about the practices, please contact the Service Provider via email at support@zibcha.com.

 

Last updated: 05-Dec-2025