🔒 Privacy Policy
Quick Summary: KadamPe collects only necessary data for fitness tracking and payments. Your data is encrypted, never sold, and you have full control.
1. Information We Collect
Personal Information
- Account: Name, mobile number, email, date of birth
- Financial: Bank account details, UPI ID, PAN card
- Identity: Aadhaar (for KYC compliance)
Fitness Data
- Step Count: Daily steps via device sensors
- Activity: Walking patterns, active hours
- Location: Approximate location (fraud detection only)
Technical Data
- Device: Device model, OS version, IMEI
- Usage: App features used, session duration
- Network: IP address, network provider
2. How We Use Your Data
- Track steps and calculate earnings
- Process subscriptions and withdrawals
- Detect fraud and fake steps
- Customer support and issue resolution
- Legal compliance (tax, KYC)
- Product improvement (anonymized analytics)
3. Data Sharing
| Partner | Purpose | Data Shared |
|---|---|---|
| Razorpay | Payments | Name, mobile, bank details |
| AWS/GCP | Hosting | Encrypted database |
| SMS Gateway | OTP/Alerts | Mobile number only |
🚫 We NEVER: Sell your data, share with advertisers, or use for purposes not stated
4. Your Rights (DPDP Act 2023)
- Access: Request copy of your data (Settings → Download Data)
- Correction: Update inaccurate information
- Deletion: Delete account and data (7-year retention for tax records)
- Portability: Export data in CSV/JSON format
- Withdraw Consent: Opt-out of marketing/analytics anytime
5. Data Security
- Encryption: TLS 1.3 (transit), AES-256 (storage)
- Authentication: OTP, biometric, 2FA for staff
- Access Control: Role-based, logged, audited
- Monitoring: 24/7 security monitoring
- Audits: Quarterly security audits
6. Data Retention
| Data Type | Retention Period |
|---|---|
| Account Info | 7 years post-deletion |
| Financial Transactions | 7 years (tax compliance) |
| Step Data | 2 years |
| Logs | 1 year |
7. Cookies & Tracking
- Analytics: Firebase (can disable in settings)
- Performance: Crash monitoring
- No Advertising Trackers
8. Children's Privacy
🔞 Age Restriction: KadamPe is for users 18+ only. Minors' accounts will be deleted immediately.
9. Contact
Email: privacy@kadampe.com
Grievance Officer: [Name]
Address: [Complete Address]
📜 Terms of Service
1. Eligibility
- 18+ years old
- Indian resident with valid mobile number
- Valid Indian bank account/UPI
- Compatible device (Android 7.0+, iOS 12.0+)
⚠️ One Account Only: Multiple accounts prohibited. Will result in permanent ban.
2. Services Provided
KadamPe offers fitness incentive platform where users:
- Track daily steps (50 steps = ₹1)
- Earn money with daily caps per plan
- Subscribe to monthly plans (Lite/Standard/Premium)
- Withdraw earnings to bank accounts
- Use boosters to enhance earnings
3. Subscription Plans
| Plan | Monthly Fee | Daily Cap | Threshold |
|---|---|---|---|
| Lite | ₹349 | ₹40 | 5,000 steps |
| Standard | ₹699 | ₹120 | 5,000 steps |
| Premium | ₹1,299 | ₹200 | 5,000 steps |
4. Earning Rules
- Formula: (Total Steps - 5,000) ÷ 50 = Daily Earnings
- Threshold: Minimum 5,000 steps to start earning
- Cap: Maximum earnings per day based on plan
- Crediting: Earnings credited by 1:00 AM next day
- Weekend Bonus: 10% extra on Saturdays & Sundays
5. Penalties
- Free Misses: 3 days per 30-day cycle (below 5,000 steps)
- Penalty After: Lite ₹25, Standard ₹75, Premium ₹125 per missed day
- Deduction: From earning balance immediately
- Penalty Waiver Booster: Can cancel 1 penalty/month (paid)
6. Withdrawal Terms
Minimum Balance Requirements
- Lite: ₹1,500
- Standard: ₹4,000
- Premium: ₹8,000
Free Withdrawal
- ₹0 fee
- Every 30-day cycle
- 3-5 business days
- Full balance only
Instant Withdrawal
- ₹99 fee per transaction
- Within 24 hours
- Limits: Lite ₹1K, Standard ₹2.5K, Premium ₹5K per transaction
- Max 2 per day
- Only available AFTER reaching minimum balance
7. Tax (TDS)
| Scenario | Threshold | TDS Rate |
|---|---|---|
| With PAN | ₹10,000/year | 2% |
| Without PAN | ₹10,000/year | 20% |
⚠️ Link PAN: Save 18% in TDS by linking PAN card
8. Prohibited Activities
🚫 BANNED (Immediate Account Termination):
- Fake step generation (apps/devices/shaking phone)
- Multiple accounts
- Attaching phone to pets/fans/vehicles
- Account sharing
- Exploiting bugs
- Fraudulent KYC documents
- Payment fraud
9. Refund Policy
| Reason | Refund |
|---|---|
| Duplicate payment | ✅ 100% |
| Technical failure >48hrs | ✅ Pro-rated |
| Wrongful ban (proven) | ✅ Pro-rated |
| Change of mind | ❌ No refund |
| Ban for violations | ❌ No refund |
10. Termination
We may terminate account for:
- Violating Terms or Fair Use Policy
- Fraudulent activity
- Payment failures >7 days
- Legal requirement
11. Governing Law
These Terms governed by:
- Information Technology Act, 2000
- Consumer Protection Act, 2019
- Indian Contract Act, 1872
- Courts in [Your City] have exclusive jurisdiction
⚖️ Legal Compliance
1. IT Act 2000 Compliance
- Section 43A: Reasonable security practices implemented
- SPDI Rules 2011: Sensitive data protection
- ISO 27001: Information security standard (in progress)
2. DPDP Act 2023 Compliance
- All data principal rights guaranteed
- Lawful data processing with consent
- Data minimization and purpose limitation
- Breach notification within 72 hours
3. RBI Compliance
Clarification: KadamPe is NOT a payment system operator or wallet. "Earning Balance" is virtual currency representing accumulated earnings, convertible to real money only upon withdrawal.
- KYC: PAN mandatory for earnings >₹10K/year
- Payment Gateway: Razorpay (RBI authorized)
- Transaction Monitoring: Suspicious activity detection
- Data Localization: Payment data stored in India
4. Consumer Protection Act 2019
- All six consumer rights protected
- E-Commerce Rules 2020 compliant
- Grievance Officer appointed
- Clear refund and cancellation policy
5. Income Tax Compliance
- TDS Deduction: Section 194J applicable
- Certificates: Form 16A quarterly
- Reporting: Form 26AS, AIS updated
- Annual Return: SFT filed for high-value transactions
6. GST Compliance
- Rate: 18% on subscription fees
- GSTIN: [Your GSTIN]
- Invoices: GST invoice for every payment
- Returns: GSTR-1, GSTR-3B monthly
7. Company Details
Legal Entity: [Your Company Name]
CIN: [Corporate Identification Number]
PAN: [Company PAN]
GSTIN: [GST Number]
TAN: [Tax Deduction Account Number]
Registered Address: [Complete Address]
📞 Grievance Redressal
1. Grievance Officer
👤 Name: [Grievance Officer Name]
📧 Email: grievance@kadampe.com
📱 Phone: +91-XXXXX-XXXXX (Mon-Fri, 10 AM - 6 PM)
✉️ Address: [Complete Address]
⏰ Response Time: 48 hours
🎯 Resolution Target: 7 working days
2. How to File Complaint
In-App (Recommended)
- Settings → Help & Support → File Complaint
- Select category
- Describe issue with screenshots
- Submit and receive complaint ID
Send to: grievance@kadampe.com
Include: Mobile number, User ID, issue description, supporting documents
Phone
Call +91-XXXXX-XXXXX with account details ready
3. Resolution Timeline
| Issue Type | Resolution Time |
|---|---|
| Account/Subscription | 3-5 days |
| Earning/Steps | 3-7 days |
| Withdrawal/Payment | 5-7 days |
| Privacy/Security | 1-3 days (priority) |
| Technical Issues | 3-7 days |
4. Escalation Matrix
| Level | Contact | When |
|---|---|---|
| L1: Support | support@kadampe.com | First contact |
| L2: Grievance Officer | grievance@kadampe.com | If no response in 48hrs |
| L3: Senior Management | escalation@kadampe.com | Unresolved after 7 days |
| L4: External | Consumer Forum, NCH | After 30 days |
5. External Redressal
National Consumer Helpline
- Toll-Free: 1800-11-4000 / 14404
- Website: consumerhelpline.gov.in
Consumer Forum
- Online: edaakhil.nic.in
- District/State/National Commission based on claim amount
Cyber Crime Portal
- Website: cybercrime.gov.in
- Helpline: 1930 (24×7)
RBI Ombudsman
- Website: cms.rbi.org.in
- For: Payment disputes (after 30 days with us)
6. Compensation
We provide compensation for:
- Service downtime >48hrs: Pro-rated refund
- Earning miscalculation: Difference credited
- Wrongful penalty: Reversal + 50% compensation
- Withdrawal delay (our fault): Interest compensation
- Wrongful suspension: Pro-rated refund
Our Commitment:
- ✅ Acknowledge within 48 hours
- ✅ Fair investigation
- ✅ Clear communication
- ✅ Timely resolution
- ✅ No retaliation for complaints