Privacy Policy

Effective Date: [Date]  |  Last Updated: [Date]

This Privacy Policy describes how Dobara Business Ecosystems Private Limited ("Dobara", "we", "us", or "our"), operating the Dobara platform available at www.dobara.com and via the Dobara mobile application ("Dobara App"), collects, uses, stores, shares, and protects personal information relating to users of our services ("you" or "User"). This policy is applicable to both Consumers and Dobara Vendors using the Dobara platform.

By accessing or using the Dobara platform, you signify that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree, please discontinue use of our services.

This Privacy Policy is published in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and applicable guidelines issued by the Reserve Bank of India regarding digital payment operations.

1. Information We Collect

We collect the following categories of information:

• Identity Information: Name, date of birth, gender, photograph, and government-issued identity document details (e.g., Aadhaar, PAN) where required for KYC or payment verification.
• Contact Information: Mobile phone number, email address, and postal address.
• Financial Information: UPI ID, linked bank account details (where applicable), and transaction history processed via the Dobara App (including via PhonePe, Paytm, and Google Pay integrations).
• Device and Technical Information: Device type, operating system, unique device identifiers, IP address, browser type, and app usage data.
• Transaction Data: Records of Dobara Transactions, amounts, dates, vendors, and discount redemptions.
• Vendor Business Information: Business name, GSTIN (where applicable), business address, business type, bank account details, and offer configuration settings (WOF Targets, MOF Targets, NTDs).
• Usage Data: Information about how you interact with the Dobara App, including pages viewed, features used, and session duration.
• Location Data: Approximate location data where you grant permission, used to help you discover nearby Dobara Vendors.

2. How We Use Your Information

We use your information to:

• Create and maintain your Dobara account.
• Process and record Dobara Transactions via integrated UPI payment gateways.
• Operate the Dobara Loyalty Program, including tracking spend against WOF and MOF Targets and automatically applying NTD discounts.
• Facilitate payment processing by sharing required information with authorised Payment Service Providers (PhonePe, Paytm, Google Pay).
• Conduct KYC verification as required under applicable RBI and NPCI guidelines.
• Send transactional SMS and push notifications relating to payments, offers, and discounts.
• Provide customer support and resolve disputes.
• Improve our AI-driven features and product experience.
• Comply with applicable legal and regulatory obligations.
• Detect, prevent, and investigate fraud and misuse of the platform.

3. Sharing of Information

We do not sell your personal information. We may share your information with:

• Payment Service Providers: PhonePe, Paytm, Google Pay, and other authorised payment aggregators/banks, for transaction processing and settlement.
• Dobara Vendors: Transactional data relevant to the vendor's loyalty programme (customer spend against targets, NTD redemptions). We do not share personal contact details of consumers with vendors except where explicitly consented.
• Technology and Cloud Service Providers: Third-party infrastructure providers who assist in hosting, analytics, and operations under confidentiality obligations.
• Regulatory and Government Authorities: Where required by law, court order, or government directive, including disclosures to NPCI, RBI, income tax authorities, and law enforcement.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction, subject to applicable data protection obligations.

4. Data Retention

We retain personal information for as long as your account is active or as needed to provide you with our services. Transaction records are retained for a minimum of five (5) years as required under applicable financial regulations. You may request deletion of your account by contacting us at [email protected]; however, we may retain certain information as required by law.

5. Data Security

We implement industry-standard security measures including SSL/TLS encryption, secure cloud infrastructure, access controls, and regular security audits. All financial data is handled in compliance with PCI-DSS standards where applicable. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Your Rights

Under applicable Indian law, you have the right to:

• Access and review the personal information we hold about you.
• Correct inaccurate or outdated information.
• Withdraw consent to the use of non-essential data, subject to operational requirements.
• Request deletion of your data (subject to legal retention obligations).
• Raise a grievance with our Grievance Officer (details below).

7. Cookies

Our website uses cookies and similar technologies to improve your browsing experience, analyse site traffic, and personalise content. You may manage cookie preferences through your browser settings. Essential cookies required for platform operation cannot be disabled.

8. Third-Party Services

The Dobara App integrates with third-party payment services (PhonePe, Paytm, Google Pay). These services have their own privacy policies, and we encourage you to review them. Dobara is not responsible for the data practices of third-party services.

9. Children's Privacy

The Dobara platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and through the Dobara App. Your continued use of our platform after such notice constitutes your acceptance of the revised policy.

11. Contact Information

For privacy-related queries, please contact us at:
Dobara Business Ecosystems Private Limited
Unit 42, Embassy Square, Infantry Road, Bangalore 560001, India
Email: [email protected]

Terms & Conditions

Effective Date: [Date]  |  Last Updated: [Date]

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the Dobara platform, including the website at www.dobara.com and the Dobara mobile application ("Dobara App"), operated by Dobara Business Ecosystems Private Limited ("Dobara", "we", "us", "our"), a company incorporated under the laws of India.

By downloading the Dobara App, creating an account, or using any part of the Dobara platform, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our services.

2. Definitions

• "Dobara Platform" means the website, mobile application, APIs, and all related services operated by Dobara.
• "Consumer" means any individual who registers on the Dobara App to make purchases and earn loyalty rewards.
• "Dobara Vendor" means any business or individual registered on the Dobara platform to offer goods and/or services and participate in the Dobara Loyalty Program.
• "Dobara Loyalty Program" means the reward system operated by Dobara enabling Vendors to set spend targets and offer discounts to Consumers.
• "Dobara Transaction" means any payment made by a Consumer to a Dobara Vendor through the Dobara App.
• "WOF Target" means the Weekly Offer Target set by a Vendor — the minimum weekly spend required by a Consumer to qualify for the weekly NTD.
• "MOF Target" means the Monthly Offer Target — the minimum monthly spend required to qualify for the monthly NTD.
• "NTD" means the Next Transaction Discount — a discount automatically applied on a Consumer's next Dobara Transaction with a specific Vendor upon achieving a WOF or MOF Target.
• "PSP" means Payment Service Provider, including PhonePe, Paytm, and Google Pay.

3. Registration & Eligibility

To use the Dobara platform, you must:

• Be at least 18 years of age.
• Possess a valid Indian mobile number linked to a UPI-enabled bank account.
• Provide accurate, truthful, and complete registration information.
• For Vendors: be a legally registered business entity or sole proprietor operating in India, and maintain a valid merchant account with at least one integrated PSP.

You are responsible for maintaining the confidentiality of your account credentials. Dobara reserves the right to verify your identity and KYC details in compliance with RBI regulations.

4. The Dobara Loyalty Program

The Dobara Loyalty Program operates as follows:

• Dobara Vendors may, at their sole discretion, set WOF Targets, MOF Targets, and corresponding NTDs through the Dobara App at any time.
• Targets and NTDs set by Vendors are binding commitments for the offer period (weekly or monthly) once activated.
• Upon a Consumer achieving a WOF or MOF Target with a specific Vendor, the applicable NTD is automatically applied as a discount on the Consumer's next Dobara Transaction with that Vendor.
• NTDs are non-transferable, cannot be converted to cash, and are valid for one (1) subsequent transaction only.
• Dobara's AI engine manages target tracking and NTD application. In the event of a technical error, Dobara's records shall be the final authority.
• Dobara reserves the right to modify the structure of the Loyalty Program with reasonable prior notice to Vendors and Consumers.

5. Dobara Transactions & Payments

• All Dobara Transactions are processed through integrated PSPs (PhonePe, Paytm, Google Pay). Dobara does not directly hold, transfer, or settle funds.
• By initiating a Dobara Transaction, you authorise the relevant PSP to debit the specified amount from your linked bank account or wallet.
• Transactions are subject to the terms and conditions of the relevant PSP.
• Dobara does not guarantee the availability of any PSP or the uninterrupted processing of transactions. Technical failures may result in failed transactions, which shall be handled per the applicable PSP's refund process.
• In the event of a disputed transaction, Consumers should first contact the relevant Vendor. Unresolved disputes may be escalated to Dobara's support team.

6. Vendor Obligations

Dobara Vendors agree to:

• Honour all NTDs earned by Consumers in good faith and in accordance with the offer terms set by the Vendor.
• Maintain accurate business and bank account information on the platform.
• Comply with all applicable laws, including tax regulations (GST), consumer protection laws, and RBI payment guidelines.
• Not engage in fraudulent, deceptive, or misleading practices with Consumers.
• Ensure all goods and services offered through the Dobara platform are legal and compliant with applicable regulations.
• Pay applicable Dobara platform fees as per the agreed pricing plan.

7. Consumer Obligations

Consumers agree to:

• Use the Dobara App only for genuine personal or household purchases.
• Not attempt to manipulate the Loyalty Program through artificial, fraudulent, or colluded transactions.
• Not reverse genuine completed transactions with the intent to misuse NTD rewards.
• Maintain accurate personal and payment details on their account.

8. Fees & Charges

• The Dobara Consumer App is free to download and use. Consumers pay no platform subscription fees.
• Dobara Vendors are subject to a monthly subscription fee based on their chosen plan (Starter, Growth, or Pro) as described on the Dobara website and agreed at the time of registration.
• A platform transaction fee of [X]% is charged on each Dobara Transaction, which may be deducted at the time of settlement or invoiced separately.
• All fees are exclusive of GST unless stated otherwise. Applicable taxes will be charged as per prevailing Indian tax laws.
• Dobara reserves the right to revise its fee structure with 30 days' prior written notice to Vendors.

9. Intellectual Property

All intellectual property rights in the Dobara platform, including the brand name "Dobara", logo, software, AI models, databases, and content, are owned by Dobara Business Ecosystems Private Limited. You may not reproduce, distribute, or create derivative works from any part of the Dobara platform without our express written consent.

10. Disclaimers & Limitation of Liability

The Dobara platform is provided "as is" and "as available". To the maximum extent permitted by law:

• Dobara does not warrant uninterrupted, error-free operation of the platform.
• Dobara is not responsible for the quality of goods or services provided by Dobara Vendors.
• Dobara is not liable for losses arising from PSP failures, network outages, or unauthorized account access.
• Our total aggregate liability to any user shall not exceed the fees paid by that user to Dobara in the three (3) months preceding the claim.

11. Suspension & Termination

Dobara reserves the right to suspend or terminate any account without prior notice in cases of fraud, misuse of the Loyalty Program, breach of these Terms, or non-payment of fees. Upon termination, pending NTDs and loyalty balances are forfeited. Vendors will receive settlement of any outstanding transactions due prior to termination.

12. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Bangalore, Karnataka, India. Dobara may, at its discretion, opt for resolution through arbitration under the Arbitration and Conciliation Act, 1996.

13. Amendments

Dobara reserves the right to amend these Terms at any time. Material changes will be communicated via the Dobara App or email with at least 14 days' notice. Continued use of the platform after such notice constitutes acceptance of the revised Terms.

14. Contact

Dobara Business Ecosystems Private Limited
Unit 42, Embassy Square, Infantry Road, Bangalore 560001, India
Email: [email protected]

Refund Policy

Effective Date: [Date]  |  Last Updated: [Date]

1. Scope of This Policy

This Refund Policy applies to:

• Dobara Transactions: Payments made by Consumers to Dobara Vendors via the Dobara App.
• Vendor Subscription Fees: Monthly or annual fees paid by Dobara Vendors for platform access.
• Failed or Erroneous Transactions: Payments that were debited but not successfully processed.

Dobara does not directly sell goods or services to Consumers. All goods and services are provided by independent Dobara Vendors. Disputes regarding the quality of goods or services must be primarily resolved with the relevant Vendor.

2. Refunds for Consumer Transactions

2a. Failed Transactions

If a Dobara Transaction is debited from your account but not confirmed by the Vendor or PSP (failed transaction), the amount will be automatically reversed to your source account within 5–7 business days, in accordance with the refund timelines mandated by the relevant PSP (PhonePe, Paytm, or Google Pay) and NPCI guidelines.

If you do not receive the refund within this period, please contact us at [email protected] with your transaction ID.

2b. Disputed Transactions (Goods/Services Not Received or Unsatisfactory)

Since goods and services are provided by independent Dobara Vendors:

1. Step 1 – Contact the Vendor: In the first instance, raise your dispute directly with the Dobara Vendor through whom you made the purchase. Vendors are required to respond within 3 business days.
2. Step 2 – Escalate to Dobara: If the Vendor does not resolve the dispute satisfactorily, you may escalate the matter to Dobara by emailing [email protected] within 7 days of the transaction date. Please include: your registered mobile number, transaction ID, Vendor name, transaction date and amount, and a description of the dispute.
3. Step 3 – Dobara Mediation: Dobara will review the dispute and liaise with the Vendor. Dobara's decision on refund eligibility (if any) will be communicated within 10 business days.

2c. Unauthorised Transactions

If you believe a Dobara Transaction was made from your account without your authorisation, report it immediately to [email protected] and to your bank/PSP. We will initiate an investigation within 24 hours of receiving your report. Your liability for unauthorised transactions is governed by RBI guidelines on limiting customer liability.

2d. NTD (Next Transaction Discount) — Non-Refundable

Dobara Next Transaction Discounts (NTDs) are loyalty rewards, not monetary credits. They have no cash value and cannot be refunded or exchanged for cash under any circumstances.

3. Refunds for Vendor Subscription Fees

• Starter Plan (Free): No charges; no refund applicable.
• Growth & Pro Plans — Monthly Billing: Monthly subscription fees are non-refundable once the billing cycle has commenced. If you cancel your subscription, you will retain access to paid features until the end of the current billing period, after which your account will revert to the Starter (free) tier.
• Growth Plan — Free Trial: No charges apply during the 30-day free trial. You will only be charged if you actively continue to the paid plan after the trial period.
• Exceptional Circumstances: In cases of billing errors (e.g., duplicate charges, incorrect amounts), please contact [email protected] within 7 days of the charge. Verified billing errors will be refunded within 5–7 business days.
• Add-On Services: Fees for one-time add-on services (e.g., onboarding support, BI reports) are non-refundable once the service has been rendered.

4. Refund Processing Timelines

Once a refund is approved, processing times are as follows:

• UPI Transactions (PhonePe / Paytm / Google Pay): 3–7 business days, subject to PSP processing timelines.
• Bank Account / NEFT / IMPS: 5–10 business days.
• Vendor Subscription Billing Errors: 5–7 business days to original payment method.

Dobara has no control over PSP or bank processing times and cannot expedite refunds once initiated.

5. How to Request a Refund

To initiate a refund request, contact us at:

• 📧 Email: [email protected]
• Please include: Full name, registered mobile number, transaction ID, date and amount, and reason for the refund request.

6. Changes to This Policy

Dobara reserves the right to modify this Refund Policy at any time. Changes will be notified via the Dobara App and website. Continued use of the platform following notification constitutes acceptance of the revised policy.

7. Regulatory Compliance

This Refund Policy is designed to comply with applicable RBI guidelines on digital payment dispute resolution, the Consumer Protection Act 2019, and NPCI chargeback regulations. In the event of any conflict between this policy and applicable law, the provisions of applicable law shall prevail.

8. Contact

Dobara Business Ecosystems Private Limited
Unit 42, Embassy Square, Infantry Road, Bangalore 560001, India
Email: [email protected]