PRIVACY POLICY

Effective from: 15-8-2025

This Privacy Policy for Kokoro Bharat Health & Wellness Pvt. Ltd. (hereinafter referred to as “Kokoro”, “The Company”, "We" "Us" or "Our"), provides various services on the World Wide Web as well as by way of a Mobile Application including Doctor consultation and appointment services, Para Medical staff appointment, online sale and delivery of medicines and allied products, peer to peer blood donation, health insurance and other services that may be added by Kokoro from time to time (hereinafter referred to as “The Services”). This Privacy Policy describes how and why we might collect, store, use, disclose, share and protect (hereinafter referred to as "Process") your information/ data when you use our services, such as when you:

● Visit our website http://www.kokoro.plus;
● Download and use our mobile application;
● Engage with us in other related ways, including any sales, marketing, or events.

By using our services and rendering your services on our platform, you agree and undertake that you have read and understood this Privacy Policy and you consent to the processing of your information/ data in the manner provided in this Privacy Policy. If you have any objection to our Privacy Policy, please do not use our Platform and/ or services. If you still have any questions or concerns, please feel free to e-mail us at support@kokoro.plus If you are using the services on behalf of any other person, person(s) or association of persons, by whatever name called, you hereby represent, undertake and declare that you have the full authority and consent of such person, person(s) or association of person(s) to accept and agree to the processing of the data of such person, person(s) or association of person(s), in the manner hereinafter provided.

This Privacy Policy has been framed in accordance with the stipulations contained in (a) Section 43A of the Information Technology Act, (b) Regulation 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 and (c) Regulation 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011, as amended from time to time.

HIGHLIGHTS
This section provides key highlights from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about personal information you disclose to us.

Do we process any sensitive personal information? We process or store sensitive personal information, including medical data as may be shared by you, for the purpose of onward transmission to the service provider (e.g. Medical Professional, Pharmacist) or the ABDM platform or other government bodies for the provision of services and for constantly improving our services. However, we do not access your sensitive personal information except in the aggregate and in a non-user identifiable form, in order to strive to constantly improve our services.

Do we receive any information from third parties? We may receive information from public databases, marketing partners, social media platforms, and other outside sources.

How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for otherpurposes with your consent. We process your information only when we have a valid legal reason to do so.

In what situations and with which types of parties do we share personal information? We may share information in specific situations and with specific categories of third parties.

How do we keep your information safe? We have industry standard safeguards and technical processes in place to protect your personal information from any unauthorized access. However, no electronic transmission or information storage technology can be 100% secure, so while we undertake our best efforts to prevent the same, we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.

What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Learn more about your privacy rights.

How do you exercise your rights? The easiest way to exercise your rights is by submitting a data subject access request, or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

Want to learn more? Review the privacy notice in full.

I. WHAT INFORMATION DO WE COLLECT?


Personal information you disclose to us

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.
Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

• Names/ Trade Names
• Gender
• Phone Number
• Age
• Address
• Contact or authentication data including but not limited to ABHA number and/ or Aadhar number
• Documents pertaining to professional qualifications and prior experience
• Transaction History/ History of your interactions with Kokoro services.
• Banking Information
• Passwords and/ or Biometric Information
• Any other information that may be voluntarily provided by you to Kokoro, or which Kokoro may receive in pursuance of a valid arrangement with a third party.

Sensitive Information. We process or store sensitive personal information, including documents pertaining to your professional qualifications and/ or prescriptions/ invoices generated by you, for the provision of services and for constantly improving our services. However, we do not access your sensitive personal information except in the aggregate and in a non-user identifiable form, in order to strive to constantly improve our services.

Social Media Login Data. We may provide you with the option to register with us using your existing social media account details, like your Facebook, Twitter, or other social media account. If you choose to register in this way, we will collect the information described in the section titled " SOCIAL LOGINS?".

Application Data. If you use our application(s), we also may collect the following information if you choose to provide us with access or permission:

■ Geolocation Information. We may request access or permission to track location-based information from your mobile device, either continuously or while you are using our mobile application(s), to provide certain location-based services. If you wish to change our access or permissions, you may do so in your device's settings. However, disabling Geolocation Services may hamper your access and use of certain cervices.

▪ Mobile Device Data. We automatically collect device information (such as your mobile device ID, model, and manufacturer), operating system, version information and system configuration information, device and application identification numbers, browser type and version, hardware model Internet service provider and/or mobile carrier, and Internet Protocol (IP) address (or proxy server). If you are using our application(s), we may also collect information about the phone network associated with your mobile device, your mobile device's operating system or platform, the type of mobile device you use, your mobile device's unique device ID, and information about the features of our application(s) you accessed.

■ Push Notifications. We may request to send you push notifications regarding your account or certain features of the application(s). If you wish to opt out from receiving these types of communications, you may turn them off in your device's settings.

This information is primarily needed to maintain the security and operation of our application(s), for troubleshooting, and for our internal analytics and reporting purposes.All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Automatically Collected Information

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.
Like many businesses, we also collect information through cookies and similar technologies.

The information we collect includes:

■Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called "crash dumps"), and hardware settings).

■ Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.

■ Location Data. We collect location data such as information about your device's location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services.


Information collected from other sources


In order to enhance our ability to provide relevant marketing, offers, and services to you and update our records, we may obtain information about you from other sources, such as public databases, joint marketing partners, affiliate programs, data providers, social media platforms, and from other third parties. This information includes mailing addresses, job titles, email addresses, phone numbers, user behavior data, Internet Protocol (IP) addresses, social media profiles, social media URLs, and custom profiles, for purposes of targeted advertising and event promotion. If you interact with us on a social media platform using your social media account (e.g., Facebook or Twitter), we receive personal information about you such as your name, email address, and gender. Any personal information that we collect from your social media account depends on your social media account's privacy settings.
II​HOW WE PROCESS YOUR INFORMATION

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

• To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.
• To provide the services to the end user in an efficient manner.
• To authenticate your identity and bank details. The bank details may be authenticated by way of Penny Drop Verification, wherein a small amount of money (usually less than Re. 1/-) is transferred to your bank account electronically to authenticate the bank details provided by you.
• To request feedback. We may process your information when necessary to request feedback and to contact you about the services provided by you from the end user.
• To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time.
• To deliver targeted advertising to you. We may process your information to develop and display personalized content and advertising tailored to your interests, location, and more.
• To administer prize draws and competitions. We may process your information to administer prize draws and competitions.
• To evaluate and improve our Services, products, marketing, and your experience. We may process your information when we believe it is necessary to identify usage trends, determine the effectiveness of our promotional campaigns, and to evaluate and improve our Services, products, marketing, and your experience.
• To identify usage trends. We may process information about how you use our Services to better understand how they are being used so we can improve them.
• To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.
• To comply with our legal obligations. We may process your information to comply with our legal obligations, respond to legal requests, and exercise, establish, or defend our legal rights.
III.​WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
We may share your data with third-party vendors, service providers, contractors, or agents (hereinafter referred to as "Third Parties") who perform services for us or on our behalf and require access to such information to do that work. The categories of third parties we may share personal information with are as follows:
▪ ABHA Network
▪ Banks/ Payment Gateways (for processing of payments and refunds)
▪ Government and Quasi Government Bodies, including for verification of your professional qualifications, at our sole discretion.
▪ Ad Networks
▪ Affiliate Marketing Programs
▪ Data Analytics Services
▪ Communication & Collaboration Tools
▪ Data Storage Service Providers
▪ Performance Monitoring Tools
▪ Retargeting Platforms
▪ Sales & Marketing Tools
▪ Social Networks
▪ Testing Tools
▪ User Account Registration & Authentication Services
▪ Website Hosting Service Providers

We also may need to share your personal information in the following situations:

Provision of Services. The services provided by Kokoro and availed by the user, by their very nature, entail the usage and sharing of data, including but not limited to your name/ trade name, phone number, e-mail address, your professional qualification and experience and feedback received regarding your services from previous users. While Kokoro takes industry standard safeguards and technical processes in place to protect your personal information from any unauthorized access, it undertakes no responsibility for the processing of user data by such third parties.

Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

When we use Google Maps Platform APIs. We may share your information with certain Google Maps Platform APIs (e.g., Google Maps API, Places API). We obtain and store on your device ("cache") your location. You may revoke your consent anytime by contacting us at the contact details provided at the end of this document. However, the same may affect the provision of certain aspects of the service to you.

Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.

Business Partners. We may share your information with our business partners to offer you certain products, services, or promotions.

Government Authorities. Kokoro may also share your data with government or quasi government authorities in compliance of its legal and statutory obligations. The data may also be shared with National Health Authority ABHA in case you provide your consent to be enrolled for the Ayushman Bharat Health Account.

IV.​THIRD-PARTY WEBSITES
The Services may link to third-party websites, online services, or mobile applications and/or contain advertisements from third parties that are not affiliated with us and which may link to other websites, services, or applications. Accordingly, we do not make any guarantee regarding any such third parties, and we will not be liable for any loss or damage caused by the use of such third-party websites, services, or applications. The inclusion of a link towards a third-party website, service, or application does not imply an endorsement by us. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this privacy notice. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services, or applications that may be linked to or from the Services. You should review the policies of such third parties and contact them directly to respond to your questions.

V.​COOKIES AND TRACKERS

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.
VI.​SOCIAL LOGINS

Our Services offer you the ability to register and log in using your third-party social media account details (like your Facebook or Twitter logins). Where you choose to do this, we will receive certain profile information about you from your social media provider. The profile information we receive may vary depending on the social media provider concerned, but will often include your name, email address, friends list, and profile picture, as well as other information you choose to make public on such a social media platform.

We will use the information we receive only for the purposes that are described in this privacy notice or that are otherwise made clear to you on the relevant Services. Please note that we do not control, and are not responsible for, other uses of your personal information by your third-party social media provider. We recommend that you review their privacy notice to understand how they collect, use, and share your personal information, and how you can set your privacy preferences on their sites and apps.
VII.​HOW LONG DO WE KEEP YOUR INFORMATION?

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). Please note that we shall not be obliged to keep your personal information for longer than twelve (12) months past the termination of the user's account, unless legally mandated and after the expiry of the said period, would entertain no requests for access to the same in terms of Section 15 of this Privacy Policy.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

VIII. ​HOW DO WE KEEP YOUR INFORMATION SAFE?
Your personal information is maintained by Kokoro in an electronic format and we have industry standard safeguards and technical processes in place to protect your personal information from any unauthorized access. However, despite our safeguards and efforts to secure your information, no electronic transmission or information storage technology can be guaranteed to be 100% secure, regardless of the efficacy of the cyber security measures taken by us. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

Please note that no Kokoro employee or vendor will have access to your password. The same are stored on the Kokoro system in an industry standard encrypted format. In case you become aware of unauthorized access/ use of your password, you are advised to immediately change the same and alert Kokoro to the same. Kokoro holds no responsibility in case you share your password or login details with third parties.

IX.​DO WE COLLECT INFORMATION FROM MINORS?
We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent's use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please e-mail us at support@kokoro.plus

X. ​PRIVACY RIGHTS
Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section " CONTACT US".

However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
Opting out of marketing and promotional communications: You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, replying "STOP" or "UNSUBSCRIBE" to the SMS messages that we send, or by contacting us using the details provided in the section " CONTACT US" below. You will then be removed from the marketing lists. However, we may still communicate with you—for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.

Account Information
If you would at any time like to review or change the information in your account or terminate your account, you can:
Log in to your account settings and update your user account.
Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms and/or comply with applicable legal requirements.
Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. You may also opt out of interest-based advertising by advertisers on our Services.

If you have questions or comments about your privacy rights, you may email us at support@kokoro.plus

XI. ​CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

XII. ​DO WE MAKE UPDATES TO THIS NOTICE?
We may update this privacy notice from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

XIII. ​CONTACT US
If you have questions or comments about this notice, you may email us at support@kokoro.plus


XIV. ​HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it.However, the same could affect the rendering of certain services to you. To request to review, update, or delete your personal information, please fill out and submit a data subject access request.


This Privacy Policy was last updated on: 1st April 2025