PRIVACY POLICY

Effective Date: June 12, 2025

Company Name: Thangvung Privilege Services Pvt. Ltd.
App Name: QONECT
Website: www.qonect.in
Email: hello@tpsqonect.com

Thangvung Privilege Services Pvt. Ltd. ("QONECT", "Company", "we", "our", or "us") respects your privacy and is committed to protecting your personal information.

Information We Collect

We may collect:

• Name, mobile number, email address, date of birth and address

• Aadhaar, PAN and other KYC information where required

• Bank account information and financial details necessary to provide services

• Loan, insurance, healthcare and subscription-related information

• Device information including device model, operating system, IP address and app usage information

• Location information when permission is granted by the user

How We Use Information

We use information to:

• Verify identity and complete KYC

• Provide healthcare, insurance and subscription services

• Process payments and transactions

• Improve application performance and security

• Prevent fraud and misuse

• Comply with applicable laws and regulatory requirements

Information Sharing

We may share information with:

• Financial institutions and lending partners

• Insurance companies and insurance service providers

• KYC and verification agencies

• Payment service providers

• Government authorities where required by law

We do not sell personal information to third parties.

Data Security

We use reasonable administrative, technical and physical safeguards to protect personal information, including encryption, access controls and secure servers.

Data Retention

We retain personal information only for as long as necessary to provide services, comply with legal obligations, prevent fraud and resolve disputes.

• Account and KYC records may be retained during the active account period and for up to 8 years thereafter or longer if legally required.

• Financial and transaction records may be retained as required by applicable financial, tax and regulatory laws.

• Device and usage data may be retained for up to 24 months.

• Location information is retained only as long as necessary for verification, security or service purposes.

Upon expiry of applicable retention periods, data will be securely deleted, anonymised, or archived.

User Rights

Users may request access, correction or deletion of personal information by contacting hello@tpsqonect.com.

Account Deletion

Users may request deletion of their account by emailing hello@tpsqonect.com.

Certain information may be retained where required by law, regulatory obligations, fraud prevention or dispute

resolution.

Children's Privacy

QONECT is intended for users aged 18 years and above. We do not knowingly collect information from minors.

Policy Updates

We may update this Privacy Policy from time to time. Updated versions will be posted on this page.

ACCOUNT DELETION POLICY

At QONECT, users have the right to request deletion of their account and personal information, subject to applicable legal and regulatory requirements.

How to Request Account Deletion

Users may request account deletion by:

• Using the Account Deletion feature available within the QONECT application (if available); or

• Sending an email to hello@tpsqonect.com from the registered email address or mobile number associated with the account.

Identity Verification

To protect user privacy and prevent unauthorized deletion requests, QONECT may verify the identity of the account holder before processing any deletion request.

What Happens When Your Account Is Deleted

Upon successful verification and approval:

• Your account will be deactivated.

• Access to QONECT services will be terminated.

• Personal information that is no longer required will be deleted or anonymized.

• Active subscriptions may be cancelled according to applicable terms.

Information We May Retain

Certain information may be retained after account deletion where required for:

• Compliance with applicable laws and regulations

• Financial recordkeeping obligations

• Tax compliance requirements

• Fraud detection and prevention

• Dispute resolution

• Enforcement of contractual obligations

• Insurance, healthcare, lending or payment-related record retention requirements

Data Retention Period

Information retained for legal or regulatory purposes will only be retained for the period required by applicable law or regulatory obligations.

After the retention period expires, such information will be securely deleted, anonymized or archived.

Processing Time

Account deletion requests are generally processed within 30 days of successful identity verification.

Contact Information

For account deletion requests or questions, contact:

Thangvung Privilege Services Pvt. Ltd.

Email: hello@tpsqonect.com

Website: www.qonect.in