1. Purpose and Usage

1.1 Information Required for Registration and Service Access:

A. Mandatory Registration Information:

• Username
• Email Address
• Date of Birth
• State
• Government-issued ID (Aadhaar Card, Driving License, Voter ID)

B. Permission for Additional Information Collection:

• Device-related information
• Operating system information
• Network information
• Location information

C. Optional Information Collection:

Users may optionally consent to the collection of information regarding installed applications to enhance Services.

D. Additional Information Requirements:

Further information, including but not limited to Permanent Account Number (PAN), may be requested.

1.2 Collection and Handling of Sensitive Personal Information (SPI):

A. Collection of SPI:

Sensitive Personal Information, such as financial details (cardholder name, encrypted credit/debit card numbers, expiration dates, banking information, and wallet details), may be collected during payment transactions by the payment gateway.

B. Exclusion of Other SPI:

LOZERSWIN does not collect any other Sensitive Personal Information apart from what is gathered during payments by the payment gateway.

C. Disclosure Restrictions:

• Authorized by this Privacy Policy
• Specified in a separate written agreement between LOZERSWIN and the User
• Mandated by law or legal process

D. Public Information Exemption:

This restriction does not apply to publicly available information, including Sensitive Personal Information accessible on the Portal.

1.3 Collection and Utilization of Personal Information:

• To operate, provide, develop, and enhance Services.
• To inform Users about LOZERSWIN offerings, including affiliates and group entities.
• To enable affiliates and group entities to communicate with Users regarding their products and services.

1.4 Information Sharing Related to Invited Users:

• Users may invite others via social media platforms.
• LOZERSWIN may utilize this information to reach out to Invited Users.
• Participation of Invited Users is subject to the Privacy Policy and Terms and Conditions.
• Users affirm that Invited Users have consented to share information.
• Users may sync their phonebooks and invite friends directly through the Portal.

2. Disclosure

2.1 Information Sharing with Affiliates, Group Entities, and Service Providers:

• LOZERSWIN may share User information with Affiliates, Group Entities, and Third-Party Service Providers.
• Recipients must adhere to the same security standards as LOZERSWIN.

2.2 User Consent and Information Sharing Rights:

By utilizing the platform, Users expressly consent to the sharing of necessary data.

1. Information Collection and Usage

LOZERSWIN is committed to collecting, using, and storing information in accordance with applicable laws and regulations. Users grant permission for:

• LOZERSWIN collecting, using, and storing their information.
• LOZERSWIN sharing information with Affiliates and Group Entities as necessary for the operation of the platform or as described in the Privacy Policy.

LOZERSWIN reserves the right to disclose and transfer personal information to third parties acquiring its business assets.

2. Information Sharing

2.1 Commercial Partners

LOZERSWIN reserves the right to share User information and data regarding service usage and participation in contests/services with commercial partners for the following purposes:

• User Engagement: To facilitate interactions among Users and promote platform activities.
• Marketing and Promotion: To deliver targeted advertising and promotional campaigns.
• Other Related Purposes: As deemed necessary for the operation and improvement of the platform.

2.2 Limited Control

Users acknowledge that their ability to control information sharing is limited to the consents granted above.

2.3 Disclosures in Limited Circumstances

LOZERSWIN reserves the right to disclose or share User information with Affiliates, Group Entities, and third parties under specific circumstances, including:

• Legal Compliance: In order to comply with applicable laws and regulations.
• Legal Process: To respond to authorized legal requests and court orders.
• Governmental Requests: To fulfill legitimate requests from government agencies.
• Fraud Prevention: To prevent or investigate fraudulent activities on the platform.
• Imminent Harm: To safeguard against potential threats to Users or the platform.
• Network and Service Security: To maintain the security and integrity of LOZERSWIN's network and services.

3. Use of Cookies

3.1 Cookie Deployment

LOZERSWIN utilizes cookies or similar electronic tools to enhance the effectiveness and usability of the platform. Cookies help:

• Assign a unique, randomized User Identification (User ID) to each visitor linked to their device.
• Understand individual user interests based on activity associated with the device.

3.2 Anonymous Tracking

Unless a User voluntarily identifies themselves (e.g., through registration), LOZERSWIN cannot personally identify them, even with cookie assignment.

3.3 Cookie Limitations

Cookies are limited to storing information provided by the User and cannot access or read data from the User's device hard drive.

3.4 Third-Party Cookies

Advertisers on LOZERSWIN may independently assign cookies to a user’s device when they interact with ad banners, a process that is beyond LOZERSWIN’s control.

3.5 Collection of IP Addresses and Usage

LOZERSWIN's web servers automatically collect limited information about the internet connection of a user's device, including their IP address, upon accessing the platform.

• An IP address serves as a numerical identifier that allows internet-connected devices to transmit data to the User.
• LOZERSWIN utilizes IP addresses for purposes such as delivering web pages in response to User requests, customizing the platform according to User interests, measuring platform traffic, and informing advertisers about the geographic locations of visitors.

4. External Links

4.1 External Links and Governing Policies

LOZERSWIN may include links to external websites, each governed by their own independent privacy policies, which are beyond LOZERSWIN’s control.

4.2 Departure from LOZERSWIN’s Servers and Policy

Once Users leave LOZERSWIN’s servers, their information is no longer subject to LOZERSWIN’s Privacy Policy and becomes subject to the privacy policy of the external website.

4.3 Accessing External Privacy Policies

Users are encouraged to locate and review the privacy policies of external websites.

4.4 LOZERSWIN’s Disclaimer of Responsibility

LOZERSWIN disclaims any responsibility or liability for the privacy practices or content of external websites linked to its platform.

5. Safety and Security Measures

5.1 Data Storage and Security Measures

All information collected by LOZERSWIN is stored in a database exclusively controlled and managed by LOZERSWIN and is secured by firewalls with access restricted to authorized personnel.

5.2 Inherent Security Limitations

While LOZERSWIN implements security measures, it cannot offer an absolute guarantee that its database will be immune from potential security breaches.

5.3 Public Nature of Discussion Area Information

Information shared by Users in public discussion areas on the platform is openly accessible to any individual with internet access.

5.4 Cross-Border Information Handling

By using the platform, Users consent to the possibility that their information may be used or transferred to countries outside of India.

6. Advertising

LOZERSWIN primarily utilizes aggregated and anonymized data to provide information to online advertisers, ensuring individual User identification is impossible.

7. Retention of Data by LOZERSWIN

Your personal information may be retained until the purposes for which it was collected are no longer applicable, and LOZERSWIN will no longer retain it when required by applicable laws or business purposes.

8. Account of Users and Deletion of Their Data

Users are entitled to request the deletion of their user accounts and associated personal information from LOZERSWIN. Requests should be submitted in writing to lozerswin@gmail.com.

9. Disclaimer

LOZERSWIN disclaims any liability for deceptive communications falsely claiming affiliation with or originating from LOZERSWIN.

10. Condition for Use of Services

LOZERSWIN makes no warranty regarding the absence of harmful components in its portal, servers, or emails. LOZERSWIN disclaims liability for damages arising from the use of its portal.

11. Applicable Jurisdiction of Law

This Privacy Policy shall be governed by the laws of the Republic of India.

12. User’s Responsibility to Update Information

Users are responsible for notifying LOZERSWIN of any changes to their personal information.

13. Grievance Redressal

Users may submit inquiries or complaints regarding this Privacy Policy to lozerswin@gmail.com or via Speed Post to:

H No 1072/20 Gali No 2, Jain Bagh Colony, Sonipat, Haryana, India, 131001