Privacy Policy

At Krab.ai, we take your privacy seriously. This Privacy Policy explains how Krab.ai Technologies Pvt. Ltd. (India) and Krab Inc. (US) collect, use, disclose, and safeguard your information when you use our services.

1. Information We Collect

1.1 Personal Information

• Name, phone number, and email address
• Aadhaar number and PAN card details (for KYC compliance)
• Business registration details (GST number, trade license)
• Bank account information
• Vehicle registration details
• Driver license information

1.2 Business Information

• Revenue and transaction history
• Fleet details and trip records
• Invoice and billing information
• Tax returns and financial statements
• Business relationships and customer data

1.3 Technical Information

• IP address and device information
• Browser type and version
• Location data (GPS coordinates for fleet tracking)
• App usage analytics
• Cookie data and similar technologies

2. How We Use Your Information

We use the collected information for:

• Processing loan applications through our AI/ML algorithms
• Providing fleet management and tracking services
• Managing digital ledger and accounting features
• Conducting KYC and credit assessments
• Improving our services through analytics
• Communicating important updates and offers
• Complying with legal and regulatory requirements
• Preventing fraud and ensuring security

3. Information Sharing and Disclosure

We may share your information with:

3.1 Financial Partners

RBI-licensed NBFCs and banks for loan processing and disbursement. This includes sharing your financial data, business information, and KYC documents as required for credit assessment.

3.2 Service Providers

Third-party vendors who help us provide our services, including cloud hosting providers, SMS gateways, payment processors, and analytics services.

3.3 Legal Requirements

Government authorities, law enforcement, or other parties when required by law or to protect our rights and safety.

4. Data Security

We implement industry-standard security measures including:

• 256-bit SSL encryption for data transmission
• Encrypted storage of sensitive information
• Regular security audits and penetration testing
• Access controls and authentication mechanisms
• AI-powered fraud detection and monitoring
• ISO 27001 compliance standards

5. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Typically:

• Active account data: As long as you use our services
• Financial records: 7 years as per regulatory requirements
• Technical logs: 90 days
• Marketing data: Until you opt-out

6. Your Rights

Under applicable data protection laws, you have the right to:

• Access your personal information
• Correct inaccurate data
• Request deletion of your data (subject to legal obligations)
• Opt-out of marketing communications
• Data portability
• Withdraw consent for data processing

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance user experience, analyze usage patterns, and personalize content. You can manage cookie preferences through your browser settings.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

9. International Data Transfers

As we operate in both India and the US, your data may be transferred and processed in either country. We ensure appropriate safeguards are in place for international data transfers.

10. Third-Party Links

Our services may contain links to third-party websites. We are not responsible for the privacy practices of these external sites.

11. Updates to Privacy Policy

We may update this policy periodically. We will notify you of significant changes through email or in-app notifications.

12. Contact Us

For questions about this Privacy Policy or to exercise your rights, contact us at: