Privacy Policy

This policy will be effective from April 01, 2026. 

1. Introduction to Privacy Policy 

This Privacy Policy ("Privacy Policy") applies to your use of the Omkaar website located at Omkaar.com, the services defined in Omkaar’s Terms of Use, and Omkaar mobile applications (e.g., Android and iOS) (collectively, the "Omkaar Platform" or "Website"). However, it does not apply to any third-party websites linked to the Website or to any relationships you may have with businesses listed on Omkaar.

The terms "we," "our," and "us" refer to Omkaar, and the terms "you," "your," and "User" refer to you as a user of Omkaar. The term "Personal Information" means information that you provide to us that personally identifies you, such as your name, phone number, email address, and any other data linked to such information.

Our practices and procedures regarding the collection and use of Personal Information are outlined below to ensure the safe use of the Website. We have implemented reasonable security practices and procedures appropriate to the nature of the information and our business. While we strive to provide security that exceeds industry standards, due to the inherent vulnerabilities of the internet, we cannot guarantee complete security of all information transmitted to us by you.

By visiting or using the Website, you agree to be bound by this Privacy Policy and consent to the collection, use, processing, and sharing of your Personal Information as described below. If you do not agree with these terms, please do not use the Website. Please note that the separately provided Terms and Conditions form an integral part of your use of this Website and should be read in conjunction with this Privacy Policy.

2. Information we collect and how we use it

We collect and store your Personal Information. If you provide your third-party account credentials ("Third Party Account Information") to us, you understand that, upon your authorization, certain content and information from those accounts may be transmitted to your Omkaar account. Any Third Party Account Information transmitted to us will be covered by this Privacy Policy. You may choose not to provide certain information; however, this may prevent you from registering with us or using some of our features and services.

We will limit the collection of Personal Information to what is necessary to fulfill the purposes identified below. If we use or plan to use your information for a purpose different from the one for which it was collected, we will request your consent beforehand.

The Personal Information we collect will be used solely to enable you to use the services provided by us, promote a safe and secure experience, assess user interest in our products and services, inform you about online offers and updates, troubleshoot issues, customize your experience, detect and prevent errors, fraud, and other criminal activity, process payments, enforce our terms and conditions, and fulfill any other purpose disclosed to you at the time of collection.

If you choose to access Omkaar through an external AI platform using an MCP connector, Omkaar will only process the information necessary to execute the specific action or request you initiate through that platform. Logs are retained for a period of 12 months unless or otherwise stated by law.

3. Account information of Merchants

If you create an account to take advantage of the full range of services offered on Omkaar, we ask for and record Personal Information such as your name, email address, and mobile number. We may collect and store your Sensitive Personal Data or Information—such as financial information, including credit card details, debit card details, bank account information, and Know Your Customer ("KYC") documents as required by RBI regulations—as well as any other applicable information that you choose to save in your Omkaar account.

We use your email address to send you updates, news, and newsletters (if you willingly subscribe during or after signup), and to contact you on behalf of other users for example, when someone sends you a friend request, personal message, or participates in a social collaboration event. If you do not wish to receive communications unrelated to your use of our services, you can unsubscribe by clicking the link provided at the bottom of any email from us. We also use your mobile number to send you transaction-related SMS alerts based on your preferences. If you do not wish to receive such messages from us, please notify us at Omkaar.com/support to stop receiving SMS messages.

Omkaar assures you that your Personal Information will not be disclosed publicly or sold to any third party.

You have the option to erase any information you have provided, including your Personal Information. If you choose to erase your data, Omkaar will delete all your stored information from its servers.

4. Customer Information

We also store customer information, such as an address, mobile number, third-party wallet details, card details, and email addresses when payments are made through Omkaar checkouts. We share this information with the respective businesses only if the customer consents to sharing it during transactions on Omkaar-powered applications.

However, Omkaar is not liable for any misuse of this information by the businesses or their affiliates with whom the customer has shared their data.

Section 4(a) - Use of Omkaar Services Through External AI Assistants (MCP Connectors)

Omkaar provides optional integrations that allow Users to access certain Omkaar services through third-party AI assistants and LLM platforms (e.g., ChatGPT, Claude etc) (‘AI Integrations’). These integrations are completely optional and are activated solely at your discretion.

When you choose to use an AI Integration, the third-party AI platform may send certain instructions, queries, or data that you choose to submit through that platform to Omkaar’s MCP server in order to fulfill your request. Omkaar processes such data only for the purpose of executing the requested operation, monitoring and debugging.

Omkaar does not share any User or Merchant information with an AI platform except for data requested by Users or Merchants. Any data a User submits to an AI platform is governed solely by that platform’s own privacy policy. Omkaar is not responsible for the privacy practices of any third-party AI provider.

By choosing to enable or interact with an AI Integration, you acknowledge that the content you submit to the external AI platform may be processed by that platform according to its policies before being transmitted to Omkaar.

5. Activity

We record information relating to your use of Omkaar, such as the searches you undertake, the pages you view, your browser type, IP address, location, requested URL, referring URL, and timestamp information. We use this information to administer Omkaar and provide the highest possible level of security and service to you. We also use this data in aggregate to perform statistical analyses of user behavior and characteristics, in order to measure interest in and usage of various areas of Omkaar. However, you cannot be identified from this aggregated information.

We own all intellectual property rights associated with the Website and its contents. No right, title, or interest in any downloaded material is transferred to you as a result of any such downloading or copying. The Website is protected by copyright as a collective work and/or compilation (meaning the collection, arrangement, and assembly of all content on the Website), pursuant to applicable law.

Our logos, product and service marks and/or names, trademarks, copyrights, and other intellectual property, whether registered or not ("Our IP"), are exclusively owned by us. Without our prior written permission, you agree not to display or use Our IP in any manner. Nothing contained on this Website or in its content should be construed as granting, in any way, any license, right, or interest to you in Our IP, without our express written permission.

6. Cookies

We send cookies to your device to uniquely identify your device and browser and improve the quality of our service. The term "cookies" refers to small pieces of information that a website sends to your device while you are viewing the site. We may use both session cookies (which expire once you close your browser) and persistent cookies (which remain on your device until you delete them). You can remove persistent cookies by following the instructions in your browser’s help files. If you choose to disable cookies, some areas of Omkaar may not work properly or at all.

Omkaar uses third-party tools that may collect anonymous information about your visits to Omkaar, including your interactions with Omkaar products and services, via cookies. These third parties may also use information about your visits to Omkaar and other websites to target advertisements for Omkaar's products and services. No Personal Information is collected or used in this process. These third parties do not have access to your name, phone number, address, email address, or any Personal Information about Omkaar users.

Omkaar users can opt out of sharing this information with third parties by disabling or blocking cookies; the process varies by browser. Please refer to your browser’s help files to learn how to disable cookies.

7. Enforcement

We may use the information we collect, in connection with your use of Omkaar (including your Personal Information), to investigate, enforce, and apply our Terms and Conditions and Privacy Policy.

8. Transfer of information

We do not share your Personal Information with any third party, except for financial institutions such as banks, the RBI, or other regulatory agencies, as required. We also share your information to provide you with services offered through Omkaar, conduct quality assurance testing, facilitate account creation, provide technical and customer support, or deliver specific services such as synchronizing your contacts with other software applications at your instruction. These third parties are required to use your Personal Information only to provide the services you request.

We may share your Personal Information with our parent company, subsidiaries, joint ventures, or other companies under common control (collectively, the "Affiliates") that we may have now or in the future. In such cases, we will require them to honor this Privacy Policy. If another company acquires our company or its assets, that company will possess your Personal Information and assume the rights and obligations concerning that information as described in this Privacy Policy.

We may disclose your Personal Information to third parties when we have a good faith belief that such disclosure is reasonably necessary to: (a) take action regarding suspected illegal activities; (b) enforce or apply our Terms and Conditions and Privacy Policy; (c) comply with legal processes such as search warrants, subpoenas, statutes, or court orders; or (d) protect our rights, reputation, and property, or those of our users, Affiliates, or the public. Please note that we are not required to question or contest the validity of any search warrant, subpoena, or similar governmental request that we receive.

We may disclose aggregate information relating to user behavior to third parties in connection with actual or prospective business relationships, such as advertisers and content distributors. For example, we may disclose the number of users who have been exposed to or clicked on advertising banners.

9. Links

References on this Website to any names, marks, products, or services of third parties, or hyperlinks to third-party websites or information, are provided solely for your convenience. They do not constitute or imply our endorsement, sponsorship, or recommendation of any third party, information, product, or service. Except as set forth herein, we do not share your Personal Information with these third parties and are not responsible for their privacy practices. We recommend that you read the privacy policies of all such third-party websites

Additions related to MCP:

This includes any optional AI assistants or platform connectors you choose to use (e.g., Claude MCP Connector), which remain governed by the respective third-party provider’s privacy terms.

We will not transfer personal data to any country prohibited by Government notification.

10. . User access of Personal Information

As a registered Omkaar user, you can modify certain Personal Information and adjust your privacy preferences by accessing the "Account" section of this Website.

11. Security

Your account is password-protected. We use industry-standard measures and best practices to protect the Personal Information stored in our database, as detailed on our website. We limit access to your Personal Information to employees and contractors who need it to perform their job functions, such as our customer service personnel. If you have any questions about security on Omkaar, please contact us at disclosures@Omkaar.org

You acknowledge that Omkaar is not responsible for any information intercepted during transmission over the Internet, and you hereby release us from any and all claims arising out of or related to the unauthorized use of such intercepted information.

12. Terms and modifications to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our information practices, legal requirements, or operational needs.

Where changes are material or impact the manner in which we collect, use, or disclose Personal Data, we will provide prior notice through appropriate means, including email or a prominent notice on our platform, and seek fresh consent where required under applicable law.

Non-material changes or clarifications will become effective upon publication of the updated Privacy Policy.

We encourage you to review this Privacy Policy periodically to stay informed about how we process your Personal Data.

You have the right to access, correct, update, and withdraw consent in relation to your Personal Data, in accordance with the Digital Personal Data Protection Act, 2023. You may update your contact details, including your email address, to ensure effective communication with us.

If you do not agree to any changes in the way we use your Personal Information, you must promptly notify us of your desire to deactivate your account. Continued use of Omkaar after any changes to this Privacy Policy will signify your acknowledgment of those changes and your agreement to be bound by their terms