Privacy Policy

BraveHeart Solutions Pvt. Ltd (“us”, “we”, or “NRIHelpLine”) is the author and publisher of the website, www. NRIHelpLine.com , mobile-optimized versions of the website, digital applications, and any other media formats for the purposes of use and promotion of www. NRIHelpLine.com (collectively referred to as the “Platform” or “Website”) and other products, software and services offered on the Website by NRIHelpLine. We value your privacy. In this Privacy Policy (“Policy”), we describe the information that we collect about you when you visit our website and use the services available on the Website (“Services”), and how we use and disclose that information.

Definitions

In this Privacy Policy, the following definitions are used:

1. Personal Information: Details concerning a specific person that can be identified are referred to as information about an identifiable individual.
2. User or you: the natural person who accesses the NRIHelpLine platform.
3. Third-Party Services: Entities external to the organization, including third-party service providers, vendor partners, affiliates, suppliers, and professionals.
4. Third-Party Sites: A marketplace that is hosted as an independent progressive web application, featuring links to additional websites.
5. NRIHelpLine (BraveHeart Solutions Pvt. Ltd.): a company incorporated in Chandigarh, India with its registered office at SCO 7, Second Floor, Sector 30, Chandigarh 160030 , INDIA.
6. NRIHelpLine platform: The NRIHelpLine mobile application, encompassing all associated NRIHelpLine platforms, products, and services provided, which also includes our plug-ins and browser extensions.
7. Data: Encompassed within this scope is the information you submit on the NRIHelpLine platform through the mobile application, as well as the information accessed by NRIHelpLine (BraveHeart Solutions Pvt. Ltd.) during your visit to the NRIHelpLine platform.
8. Cookie: A small file, commonly known as a cookie, is deposited on your computer by the NRIHelpLine platform when you visit or engage with specific features of the NRIHelpLine platform. Typically, a cookie enables the NRIHelpLine platform to retain information about your actions or preferences for a designated period.

1. YOUR CONSENT:

Your consent to this Privacy Policy is granted when you click on the ‘Sign Up’ button during the registration process on the NRIHelpLine mobile application, or when you browse on www.NRIHelpLine.com, or access, browse, and register on the NRIHelpLine platform. NRIHelpLine (BraveHeart Solutions Pvt. Ltd.) hereby informs the user that we may disclose user information, as deemed necessary, to our affiliates and partners in India and other countries, as outlined in the Disclosure of Personal Information Clause. Such disclosure of user information is exclusively for the purpose of fulfilling the services and products that the user has acquired through the NRIHelpLine platform.

2. COLLECTION OF PERSONAL INFORMATION

We gather personal information in three ways: directly from you, from third
parties, and automatically when you utilize the NRIHelpLine platform.
Information linked to your device is collected through cookies and similar
technologies. Additionally, we may receive details about your location.

Information You Provide Us

Content You Submit – We collect information and content that you submit, post to, or create in the NRIHelpLine platform, including your photos, comments, reviews, searches and purchase history. 

Purchases – If you purchase subscriptions, services and/or products, we collect certain information in order to complete your purchases, sales, and payments, such as your phone number, address, and payment method (for example, credit or debit card).

Communications – When you communicate with us (via email, call back requests, through the NRIHelpLine platform chat, or otherwise) and when you use the NRIHelpLine platform to communicate with others, we may record, monitor, or otherwise collect details about your communications (including call time, and call duration). We will obtain your consent in accordance with applicable law before recording or monitoring any of these calls.

Surveys and Contests – If you participate in our surveys, contests, or promotions, we will collect the information you provide to us. 

Information from Others

We collect information that others make available to us, including information from other platforms, publicly available information, information from other users of the NRIHelpLine platform, information from our partners, service providers, and corporate affiliates, and information from third-party sites.

Other Platforms – We may receive information about you from third-party platforms when you grant permission to the third-party platform to share this information with us or when you allow the NRIHelpLine platform to access this information from the third party. For instance, you might register for the NRIHelpLine platform via your mobile phone, laptop, personal computer, or tablet using authentication services such as Facebook/Meta, Google, or Apple. Additionally, you may choose to upload
your contacts from a third-party email service or utilize the NRIHelpLine platform or a third-party integration on the NRIHelpLine platform to manage your calendar on another platform or handle and send communications, such as emails or text messages.

Publicly Available Information – We may collect information about you
from publicly available sources and where permitted by applicable law or
with your permission, make it available as part of the NRIHelpLine platform.
For example, we may receive your name and contact information from
industry associations and dealer networks in which you participate and
display your affiliation with these organizations. We also may collect and
display the details of any license you have using publicly available records.

Other Users and Customers – Others may post content on the NRIHelpLine
platform that includes information about you (for example, as part of photos
and reviews) or provide us your information in connection with using the
NRIHelpLine platform (e.g., participate in referral programs, and to advertise
through the NRIHelpLine platform). However, you shall have the right to
report abuse or request removal of any content, featuring you from the NRIHelpLine platform. The NRIHelpLine team shall review your request and
respond accordingly. In order to enhance the quality of the NRIHelpLine
platform, third party service providers may provide us information about
your engagement with them, including whether you have contacted them or
responded to them.

Our Partners and service Providers –  We may receive information about
you from our partners and service providers. For example, our third-party
payment gateway provider may update your payment information,
advertising partners may help us send communications to your address,
and third parties may help us prevent fraud by verifying your contact
information.

Automatically Collected Information 

Cookies and Similar Technologies

4. DISCLOSURE AND SHARING OF YOUR PERSONAL INFORMATION:

One of the main purposes of asking users to register on the NRIHelpLine
platform and create their profile is to be able to understand their
circumstances better and serve them better. We do not rent or sell your
personal information to third parties to use for their direct marketing
purposes. We share personal information in the following ways:

Third-Party Services, Third-Party Sites:

If you purchase a subscription, service or a product on the NRIHelpLine
platform, your personal information will be made available to those ThirdParty Services and Third-Party Sites that will be instrumental in fulfilling
the service or deliver the product to you.

The NRIHelpLine platform uses Third-Party Services and Third-Party Sites to
help us operate and deliver on our core aggregator business model. We ask
third parties to help us perform the following types of services:

1. Service fulfilment and delivery
2. Product sales, fulfilment and delivery
3. Marketing services
4. IT services
5. fraud detection
6. Customer Lifecycle Management
7. Improve our services
8. Payment Processing
9. Telecommunications

We also use Third-Party Services to perform the following types of services
as explained in our Cookie Policy and as a result, they may have access to
your personal information.

1. Measure and understand usage of our mobile applications, website,
   and emails
2. Advertise and measure advertising performance
3. Credit our advertising partners for referrals
4. Website related services

Under certain data protection laws like the General Data Protection
Regulation (GDPR), Digital Personal Data Protection Act 2023 certain thirdparty services and sites that help us operate our platform are considered
controllers of personal data. This means they are responsible for the
processing of your personal data (either independently or together with
NRIHelpLine platform as a joint controller) pursuant to their respective
privacy notices and practices. For example, these third-party services and
sites may have an independent relationship with you or need to use your
data to fulfill their regulatory requirements.

Only if you specifically agree to share your contact information with a thirdparty service or third-party site, for example, as part of a contest or promotion we sponsor with such third party, will we share your contact information with that third-party partner for their direct marketing purposes.

In addition, we may share information about you with third-party platforms
when you allow the third-party platform to receive this information from us.
The NRIHelpLine platform may include third-party social media features and
other third-party plug-ins and widgets. When these features are displayed
on our platform, they are operated or hosted by third parties and are subject
to their own privacy policies instead of this Privacy Policy. For example, you
may sign-up for our platform through Facebook, Google, or Apple.

Advertisers and Ad Networks

We collaborate with advertising networks and partners to display
advertisements, including interest-based advertising, on third-party sites
and to assess the efficacy of our advertising efforts. Additionally, advertising
networks and partners may be engaged to serve ads on the NRIHelpLine
platform and communicate with you through the contact details they have
on file. While we may share aggregate information with advertising
networks, advertising partners, and businesses advertising on our platform,
we do not disclose your name, contact information, or other personal
details, except for hashed information or device identifiers. For instance, we
may provide a hashed version of your email address to advertising networks
(e.g., Facebook and Google) for the purpose of serving advertisements. If you
wish to opt-out of the use of your information for this purpose, please send
a request to privacy@NRIHelpLine.com.

Both we and the businesses advertising on the NRIHelpLine platform, as
well as advertising networks and partners, may employ cookies or similar
technologies to monitor your activities on our platform and other online
properties. This allows us to provide personalized ads across various
websites, apps, and devices and to assess the performance of these ads. To
understand how to opt-out of receiving this type of advertising, please refer
to our Cookie Policy.

Corporate Affiliates and Business Transfers

We may share information from or about you with (a) joint ventures or other
companies’ part of the NRIHelpLine (BraveHeart Solutions Pvt. Ltd.) or (b) a
potential or actual acquirer, successor, or assignee as part of any
reorganization, merger, sale, joint venture, assignment, transfer, or other
disposition of all or any portion of our business, assets, or stock (including
in bankruptcy or similar proceedings). In these cases, their use will be
subject to this Privacy Policy.

Legal Obligations

We may disclose information from or about you, as required or permitted by
applicable law, if we believe that such disclosure is reasonably necessary to
(a) comply with legal process and law enforcement instructions and orders,
such as a search warrant, subpoena, statute, judicial proceeding, or other
legal process served on us, a service provider, or a partner (which may
include disclosure to law enforcement, courts, or governmental authorities);
(b) prevent, investigate, or identify possible wrongdoing in connection with
our Platform; (c) protect our rights, reputation, property, or that of our
visitors, users, corporate affiliates, or the public; or (d) enforce compliance
with our agreements with you.

Other disclosures

We may share your personal data with:

1. NRIHelpLine (BraveHeart Solutions Pvt. Ltd.) affiliates and third
   parties located in India and other countries to assist them to reach
   out to you in relation to their programs or campaigns (including
   marketing and sales) and to process your query/requests
2. Our employees, vendors, agents and professional advisors working on
   our behalf and
3. Service-providers who assist in protecting and securing our systems
   including to prevent or stop an attack on our computer systems or
   networks and provide services to us which require the processing of
   personal data, such as to host your information or to process your
   information for data profiling and user analysis.

5. COMMUNICATIONS

When you create an account on the NRIHelpLine platform, a fundamental
aspect of our service involves communicating with you through various
channels such as email, SMS, WhatsApp, and our platform. If you utilize
our mobile app or website or provide your cell phone number, these
communications may also include text messages and push notifications. We
use these channels to relay information about your account, privacy, and
interactions. Additionally, we may seek your feedback on your experience
with our platform.

In compliance with applicable laws, we may send you marketing
communications, which could include tips, offers, and similar services from
NRIHelpLine (BraveHeart Solutions Pvt. Ltd.). These communications may
feature NRIHelpLine, co-branded products and services, professionals,
sellers, and other businesses on our platform.

If you provide us with your phone number, we may contact you to better
understand your needs. You have the flexibility to adjust your
communication preferences at any time through the NRIHelpLine mobile
app settings. Furthermore, opting out of marketing emails can be done
directly by clicking the ‘unsubscribe’ button within the email.
To opt-out of receiving text messages, you can follow the instructions
provided in the text message, typically involving replying with “STOP.” If you
wish to opt-out of sales and marketing phone calls, you can communicate
your preference during the call or contact us at privacy@NRIHelpLine.com.
It’s important to note that you cannot opt-out of receiving account and
privacy-related messages. If you no longer want to receive push
notifications, you can disable them for the mobile application in your mobile
device settings.

6. YOUR CHOICES AND RIGHTS

We respond to all requests we receive from individuals wishing to exercise
their data protection rights in accordance with applicable data protection
laws. We may ask you to verify your identity in order to help us respond to
your request securely and efficiently.

Even where not legally required, we will use reasonable efforts to complete
requests to access or delete your personal information.

To request permanent deletion of your personal information, please contact
us at http://privacy@NRIHelpLine.com.

To edit your personal information, you can manage your profile on the
NRIHelpLine mobile app. You may also contact us about correcting or
updating your personal information (including your marketing preferences)
by emailing us at privacy@NRIHelpLine.com. We will consider your request
in accordance with applicable laws.

7. ACCOUNT TERMINATION AND DATA RETENTION

You have the option to deactivate your nrihelpline mobile app account at
any time by accessing the mobile app settings. Upon deactivation, you will
cease to provide ongoing or future data associated with your account.
Although your nrihelpline platform profile will no longer be accessible,
certain content such as photos, reviews, and other materials may still be
available through our platform.

If you wish to request the permanent deletion of the personal information
linked to your account, please contact us by sending an email to
privacy@nrihelpline.com.

We will retain your personal information only for the duration necessary to
fulfill the purposes for which we process it, unless the law allows or
mandates the retention of your information for an extended period. For
instance, we may need to keep your personal data for quality assurance
purposes or to address potential legal claims. Additionally, de-identified
information may be retained even after your account has been deleted.

It’s essential to note that information you have shared with others will
remain visible even after deactivation or deletion, and after it has been
removed from your profile or account. We do not have control over
information or content that others have copied from our platform. Please be
aware that copies of information you’ve updated, modified, or deleted may
persist in our systems for a certain period, and we may maintain these
copies as part of our business records.

8. CHILDREN

The NRIHelpLine platform is intended for general audiences and is not
directed to individuals under 18 years of age. We do not knowingly collect
personal information from individuals under 18. In the event that we learn
that we have collected personal information from a child under age 18, we
will take appropriate steps to delete that information. If you become aware
or believe that a child has provided us with personal information, please
contact us on privacy@NRIHelpLine.com.

9. DATA SECURITY

We employ reasonable and appropriate measures to safeguard your personal
information against loss, misuse, unauthorized access, disclosure,
alteration, and destruction. Our security measures are designed by
considering the inherent risks associated with the processing of personal
information and the nature of the data involved.

10. UPDATES TO THIS PRIVACY POLICY

We reserve the right to revise this privacy policy periodically. The latest
version of our privacy policy will dictate the utilization of information about
you. In the event of substantial modifications to our privacy policy, we will
notify you via email, through a notice on the nrihelpline platform, or by
other means. This notification will provide you with an opportunity to review
the changes before they come into effect. Your continued access or use of
our platform following the implementation of these changes implies your
acceptance and adherence to the updated privacy policy.

11. DATA PROTECTION OFFICER

In line with the GDPR, DPDP Act and other major data protection laws
around the world, NRIHelpLine (BraveHeart Solutions Pvt. Ltd.) shall have in
place a permanent Data Protection Officer, at all times.

Inter alia, the Data Protection Officer shall have the following tasks, for and
on behalf of NRIHelpLine (BraveHeart Solutions Pvt. Ltd.):

1. Informing Controllers and Data Subjects: The DPO is responsible
   for ensuring that both controllers (those determining the purposes
   and means of processing personal data) and data subjects (individuals
   whose data is processed) are informed about their data protection
   rights, obligations, and responsibilities.
2. Maintaining Register/s of Processing operations: The DPO is
   tasked with creating and maintaining registers of processing
   operations within the organization. Additionally, they may be required
   to notify the European Data Protection Supervisor (EDPS) or another
   competent body about processing operations that present specific
   risks (prior checks).
3. Ensuring Data Protection Compliance: The DPO plays a crucial role
   in ensuring overall data protection compliance within the
   organization. This involves helping the entity become accountable for
   its data processing activities.
4. Handling Queries or Complaints: The DPO is responsible for
   handling queries or complaints related to data protection. This
   includes responding to requests from the institution, controllers, or
   other individuals.
5. Cooperating with the EDPS or Competent Bodies: The DPO is
   expected to cooperate with the EDPS or other competent bodies as
   required. This cooperation may involve responding to requests,
   participating in investigations, and facilitating inspections conducted
   by regulatory authorities.
6. Monitoring and Drawing Attention to Non-Compliance: The DPO
   monitors data protection compliance within the organization and
   brings attention to any failures to comply with applicable data
   protection rules. 

This proactive role helps in identifying and addressing potential issues.The
Data Protection Officer of NRIHelpLine (BraveHeart Solutions Pvt. Ltd.), may
be reached, by email, at the following address: privacy@NRIHelplLine.com.

12. COOKIE POLICY

This Cookie Policy explains how NRIHelpLine (BraveHeart Solutions Pvt.
Ltd.), uses cookies and similar technologies. It explains what these
technologies are and why we use them, as well as your rights to control our
use of them. Please see our Privacy Policy for more information about how
we treat personal information. To learn more about our use of interest-based
advertising and your choices, please see the “Non-Essential” Cookies section
below.

What is a cookie?

A cookie, a small data file, is placed on your device during your website visit.
These cookies play a crucial role in optimizing website functionality,
enhancing efficiency, and providing reporting information. Unique identifiers
may be associated with a cookie, and it can be located on your device, in
emails sent by us, on the platform, and on third-party sites employing our
plug-ins, widgets, embedded content, and pixels.

Cookies initiated by us are termed “first-party cookies,” while those
established by entities other than us are known as “third-party cookies.”
Third-party cookies enable additional features or functionalities provided by
external parties in association with the platform, including advertising,
interactive features, and analytics. The entities responsible for these third-
party cookies can identify your device when it interacts with our website and
other specified websites.

Beyond cookies, we may utilize analogous technologies like pixels, local
storage, and software development kits (SDKs). In this Cookie Policy, these
technologies are generally referred to as “cookies.”

Why do we use cookies?

We employ both first-party and third-party cookies for various purposes.
Some are essential for technical reasons, ensuring the proper operation of
our platform. Others enhance your experience on our platform by
remembering certain activities, including interactions with our plug-ins,
widgets, and embedded content. Additionally, certain cookies facilitate more
targeted advertising and improved analytics.

Essential Cookies:

Some cookies are required for the platform to operate, for example, in the
following ways:

1. To identify you as being logged into the platform
2. To make sure you connect to the right service on our platform when we make any changes to the way the platform works
3. Adding purchases to your basket and remembering the products you
   have added
4. Remembering when you have added a photo to your profile
5. Remembering settings, you have applied, such as layout, text size,
   preferences, and colors
6. Generating statistics on how the platform is used for our exclusive
   interest in order to measure the audience and to improve the Platform.

13. GENERAL

If any court or competent authority finds that any provision of this privacy
policy (or part of any provision) is invalid, illegal or unenforceable, that
provision or part-provision will, to the extent required, be deemed to be
deleted, and the validity and enforceability of the other provisions of this
privacy policy will not be affected.

Last updated – 27 December, 2023