K99X AUCTION APP PRIVACY POLICY

1.1 Personal Information: When you register, participate in auctions, apply for financing, or interact with our Platform, we may collect the following personal information:

• Name, email address, phone number, and postal address
• Date of birth, gender, and PAN card details
• Driving license and Aadhaar card (for verification purposes)
• Bank account details and payment information
• Credit score and financial information (for loan applications through partner banks)
• Employment details and income information
• Vehicle preferences and auction history
• Profile information including photographs and KYC documents

1.2 Vehicle and Auction Information: When you participate in car auctions, we collect:

• Vehicle registration details and RC (Registration Certificate) information
• Insurance documents and vehicle inspection reports
• Bid amounts, auction participation history
• Vehicle photographs and condition reports
• Loan details from financing partners
• Purchase and sale transaction records

1.3 Technical Information: We automatically collect certain technical information when you access our Platform:

• Device information (model, operating system, unique device identifiers)
• IP address and location data
• Browser type and version
• Log data including access times, pages viewed, and app features used
• Cookies and similar tracking technologies

1.4 Usage Information: We collect information about how you interact with our Platform, including:

• Search queries for vehicles and auction browsing history
• Auction participation, bids placed, and transaction history
• Communications with us, dealers, and other users
• Feedback, ratings, and reviews for vehicles and services
• Loan application status and financing partner interactions

2.1 We use your personal information for the following purposes:

• Auction Services: To facilitate car auctions, process bids, and complete vehicle transactions
• Account Management: To create and manage your account, verify your identity and KYC compliance
• Financing Services: To process loan applications with our banking partners , conduct credit assessments, and facilitate vehicle financing
• Transaction Processing: To process payments, security deposits, and facilitate ownership transfers
• Vehicle Verification: To verify vehicle authenticity, conduct inspections, and maintain vehicle records
• Communication: To send you auction notifications, bid updates, loan status, and important service-related communications
• Personalization: To recommend vehicles based on your preferences and provide customized auction experiences
• Partner Integration: To share necessary information with Bank and other financial partners for loan processing and approvals
• Compliance: To comply with RBI guidelines, RTO regulations, and other applicable laws
• Security & Fraud Prevention: To detect, prevent, and address fraudulent activities, auction manipulation, and security issues
• Analytics: To analyze auction trends, user behavior, and improve our services

3.1 We may share your information with:

• Banking Partners: Bank and other partner financial institutions for processing vehicle loan applications, credit assessments, and financing approvals
• Service Providers: Third-party vendors who perform services on our behalf (payment processors, hosting providers, analytics providers, vehicle inspection agencies)
• Vehicle Dealers & Sellers: Authorized dealers and individual sellers participating in auctions with necessary contact and transaction details
• RTO & Government Authorities: Regional Transport Offices and other government agencies for vehicle registration, transfer of ownership, and compliance purposes
• Logistics Partners: Vehicle transportation and delivery service providers
• Insurance Companies: For vehicle insurance processing and claims
• Credit Bureaus: For credit assessment and loan eligibility verification (with your consent)
• Other Auction Participants: Limited information necessary to facilitate auctions (winning bidder details to sellers, vehicle details to bidders)
• Legal Authorities: When required by law, court orders, or to protect our rights, safety, and property
• Business Transfers: In connection with mergers, acquisitions, or asset sales involving K99x

3.2 Banking Partner Information Sharing: When you apply for vehicle financing through our platform, we share your personal, financial, and vehicle information with Banks and other partner banks as required for loan processing. This includes KYC documents, income proof, credit history, and vehicle details. Our banking partners have their own privacy policies that govern how they handle your information.

3.3 We do not sell your personal information to third parties for their marketing purposes without your explicit consent.

4.1 We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security audits and vulnerability assessments
• Access controls and authentication mechanisms
• Employee training on data protection

4.2 However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

5.1 We retain your personal information for as long as necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

6.1 You have the following rights regarding your personal information:

• Access: Request access to your personal information we hold
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Objection: Object to processing of your information for certain purposes
• Data Portability: Request a copy of your information in a structured format
• Withdraw Consent: Withdraw consent for processing based on consent

6.2 To exercise these rights, please contact us at support@k99x.com. We will respond to your request within 30 days.

7.1 We use cookies and similar tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our Platform.

8.1 Our Platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies before providing any information.

9.1 Our Platform is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

10.1 We may update this Privacy Policy from time to time at our sole discretion. We will notify you of any material changes by posting the updated Policy on our Platform and updating the "Last Updated" date. Your continued use of the Platform after such changes constitutes your acceptance of the updated Policy.

10.2 You are solely responsible for reviewing this Policy periodically. If you object to any changes, your only option is to immediately discontinue using the Platform.

11.1 If you have any questions, concerns, or complaints regarding this Privacy Policy or our data practices, please contact us at:

K99X PRIVATE LIMITED
129/97, ALSA CLAREMONT, ST.MARYS ROAD, ALWARPET, CHENNAI, Chennai, Tamil Nadu, 6000182
Email: support@k99x.com
Phone: +91 996-2334-455
Website: www.k99x.com