Privacy Policy

1. Introduction

This Privacy Policy applies to all users of the GEOMA ecosystem, including retail customers, registered distributors, stock point operators, franchise owners, website visitors, and mobile application users. By accessing our services, submitting your contact details, or creating an account, you consent to the practices described in this policy.

2. Information We Collect

We collect information necessary to deliver quality commerce services, calculate business commissions, process secure orders, and comply with Indian statutory requirements. The categories of information collected include:

• Personal Identification Data: Full legal name, date of birth, gender, marital status, blood group, profile photograph, and father's/spouse's name.
• Contact Details: Residential and shipping addresses, postal code, state, mobile telephone number, alternate phone number, and verified email address.
• Nominee Details: Name of nominee, relationship with member, nominee age, and nominee contact particulars.

3. How We Use Personal Information

We use the collected personal data strictly for legitimate business purposes, including:

• Creating and managing your user or distributor account.
• Processing, fulfilling, tracking, and delivering your product purchases.
• Calculating, auditing, and disbursing sales commissions, business points (BP), matching bonuses, and rank achiever rewards.
• Verifying distributor KYC and maintaining statutory records in compliance with Indian direct selling regulations.
• Providing customer care, grievance redressal, and transactional order updates via SMS, WhatsApp, and email.
• Delivering promotional business updates and special offers where explicit user consent has been granted.

4. Registration and Account Information

When you register on our platform, we capture your unique login credentials, username, encrypted password, registration source, IP address, and acceptance timestamp of our terms and policies. This data is utilized to authenticate access, safeguard against identity fraud, and provide customized user experiences across portals.

5. Distributor and Franchise Information

For independent distributors and franchise partners, GEOMA records business hierarchy data such as Sponsor ID, Placement ID, Binary Tree coordinates (Left/Right leg placement), stock point allocation, territory assignments, and sales performance indicators. This information is shared only within the relevant authorized genealogy lineage to facilitate legitimate network oversight and team mentoring.

6. Payment and Transaction Information

When you complete a purchase on GEOMA, we process payment details through RBI-approved payment gateways, bank transfers, or point-of-sale systems. We do not store sensitive payment card numbers, CVVs, or bank net-banking passwords on our servers. We securely record transaction reference IDs, invoice amounts, order dates, payment modes, and payment proof receipts for audit and accounting purposes.

7. KYC and Bank Account Information

In accordance with statutory tax rules and Prevention of Money Laundering mandates in India, distributors eligible for commission payouts must submit verified Know Your Customer (KYC) documentation:

• Permanent Account Number (PAN) details for statutory Tax Deducted at Source (TDS) reporting under Section 194H/194R.
• Bank account number, bank name, branch name, and IFSC code for direct electronic bank payout disbursements.
• Government identity and address proofs (Aadhaar, Voter Card, Passport, or Driving License) and cancelled bank cheques.

All submitted KYC documents are encrypted and accessible strictly to authorized verification personnel.

8. Cookies and Tracking Technologies

Our website utilizes secure cookies, local storage tokens, and session identifiers to facilitate smooth navigation, remember your theme preference (Light / Dark mode), maintain your authenticated session, and monitor website performance. You may modify your browser settings to decline non-essential cookies, though certain portal capabilities may be impaired.

9. Information Sharing & Disclosure

GEOMA does not sell, rent, trade, or monetize your personal information to third-party marketing companies. Data is disclosed only under the following defined circumstances:

• Service Providers & Delivery Partners: Logistics couriers, SMS and WhatsApp gateway providers, and IT infrastructure vendors under strict non-disclosure obligations.
• Banking & Financial Institutions: For direct commission disbursements and payment verification.
• Legal & Regulatory Authorities: When mandated by applicable Indian law, court summons, GST authorities, Income Tax departments, or consumer protection agencies.

10. Data Security

GEOMA implements industry-standard physical, electronic, and procedural safeguards to protect your personal information against unauthorized access, loss, theft, alteration, or disclosure. These measures include TLS/SSL data transmission encryption, parameterized SQL queries against injection risks, restricted server access, hashed password storage, and periodic vulnerability audits.

11. Data Retention

We retain your personal, KYC, and transactional data for as long as your account remains active or as required to fulfill the business purposes outlined herein. Furthermore, transaction ledgers, tax invoices, and commission records are preserved for the statutory retention period (minimum eight years) mandated under Indian taxation and corporate laws.

12. User Rights and Data Deletion Requests

Subject to applicable Indian laws, you hold the right to:

• Review, access, and verify the personal data maintained in your profile.
• Request corrections or updates to inaccurate, incomplete, or outdated personal information.
• Request account deactivation or deletion of eligible personal data that is not subject to mandatory statutory tax and accounting retention.

To exercise your rights, please submit a written request to geomacare@geomaindia.com.

13. Communication Preferences & Consent Management

We respect your communication choices. When submitting an enquiry or registering an account, you may explicitly opt in or opt out of promotional marketing messages:

• Promotional Communications: Offers, product launches, and business opportunity updates sent via SMS, WhatsApp, Email, or Voice calls only upon affirmative consent. You may opt out at any time.
• Transactional & Service Notices: Essential account security alerts, OTP verifications, invoice confirmations, and payout cutoff notifications are non-promotional and will continue to be delivered to maintain service integrity.

14. Third-Party Services & External Links

Our website may feature links to external third-party services (such as Google Maps, banking portals, or payment gateways). GEOMA is not responsible for the privacy practices, content, or security mechanisms of third-party platforms. We encourage users to inspect external privacy statements upon leaving our portal.

15. Privacy Policy Updates

GEOMA may update this Privacy Policy periodically to reflect technological advancements, legal amendments, or enterprise enhancements. When changes are made, the revised policy will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

16. Grievance Officer & Contact Information

In accordance with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023, the details of the Grievance Officer for data protection and privacy concerns are provided below: