Privacy Policy

INTRODUCTION

NB AgriMatrix Pvt Ltd ("Company", "we", "us", or & quot;our") operates the Krusho™ digital platform ("Krusho" or "Platform"), an agri-tech solution accessible via the Krusho web application, the Krusho iOS application, and the Krusho Android application (collectively referred to as the "Services"). We are committed to protecting the privacy and personal data of every individual who engages with our Platform.

This Privacy Policy explains what information we collect, why we collect it, how we use and protect it, with whom we may share it, and the choices available to you regarding your personal data. We encourage you to read this document carefully before using our Services. By accessing or using Krusho on any supported platform — web, iOS, or Android — and by registering an account or continuing to use the Services, you acknowledge that you have read, understood, and agreed to the practices described in this Privacy Policy. If you do not agree, please discontinue use of the Services immediately.

This Policy may be revised periodically to reflect changes in law, technology, or our operational practices. Continued use of the Services after any such revision constitutes acceptance of the updated terms.

2. APPICABALITY AND SCOPE

This Privacy Policy applies to:

All registered users of the Krusho platform (farmers, agri-consultants, agri-businesses, dealers, buyers, and other participants).
Visitors who browse the Krusho web application without registering.
Partner entities, service providers, and third-party agents who interact with the Platform.
Personnel including employees, contractors, and interns of NB AgriMatrix Pvt Ltd who may handle personal data in the course of their work.

This Policy does not govern the data practices of external third-party websites, payment processors, or other entities linked to or integrated within the Platform. Users are encouraged to review those parties' independent privacy policies.

3. PERMISSIBLE AGE

The Krusho Platform is intended for users who are at least 18 years of age. By using the Services, you represent that you meet this age requirement, or that you have received the explicit permission of a parent or legal guardian to do so. If you are a parent or guardian who has granted a minor permission to use the Platform, you bear full responsibility for their use of the Services, including any resulting legal obligations.

We do not knowingly collect personal information from individuals under the age of 18 without verifiable parental consent. If we become aware that such data has been collected without appropriate authorization, we will take prompt steps to delete it.

4. INFORMATION WE COLLECT

We collect information in three primary ways: information you provide directly, information collected automatically when you use the Services, and information obtained from third-party sources.

4.1 Information You Provide Directly

Account and Profile Information: Your full name, mobile number, email address, date of birth, gender, Aadhar number, residential or farm location (village, district, state), language preference, and a profile photograph. For businesses or dealers, this may include business name, PAN, GSTIN, and address.
Agricultural and Farm Data: Details about your farm, land holdings, crop types, sowing/harvesting calendar, soil type, water sources, and input usage. This data is the core of the Krusho service and is used to provide personalized recommendations.
Marketplace and Transaction Data: Information provided when placing orders for agri- inputs, listing produce for sale, bidding, negotiating, or transacting through the Platform, including addresses, payment preferences, and order history.
Communications: Messages exchanged between users, or between users and the Krusho support team, through in-app chat, helpline, or email. Interactions may be logged for quality, safety, and compliance purposes.
User-Generated Content: Ratings, reviews, photos, feedback, and other content submitted through the Platform that may be publicly visible.
Voluntarily Provided Information: Responses to surveys, feedback forms, promotional activities, beta-testing programs, or research studies conducted by or on behalf of NB AgriMatrix.

4.2 Information Collected Automatically

When you access Krusho via any supported platform, we may automatically collect certain technical and usage data, including:

Device and Connection Information: IP address, device type (mobile, tablet, desktop), operating system and version, browser type, unique device identifiers (such as Android Advertising ID or Apple IDFA), mobile network details, language and time zone settings.
Usage and Activity Data: Pages or screens viewed, features accessed, search queries entered, content interacted with, time spent per session, referral source, error logs, and transaction summaries.
Location Data: With your explicit permission, we may collect GPS-based location data from your mobile device. This enables location-specific services such as nearest agri- dealers, weather advisories, and farm service providers. Location access can be revoked at any time through your device settings.
Cookies and Tracking Technologies: On the web application, we use cookies, web beacons, and similar tools to remember your preferences, maintain session state, analyze usage patterns, and improve service delivery. You may manage cookie preferences through your browser. Disabling cookies may limit certain Platform functionalities.
Application Metadata: On mobile devices, the Krusho app may access metadata associated with files stored on your device — such as photographs — when you explicitly choose to upload such files through the Platform.

4.3 Information Collected Automatically

Social and Government Sign-In: If you choose to register or log in using a third-party account (such as Google or a government portal like DigiLocker), we may receive your profile information (name, email, mobile number, identifier) as authorized by you through that service's permissions interface.
Partner Data: We may receive information about you from agri-businesses, input dealers, financial institutions, weather data providers, and other ecosystem partners who collaborate with Krusho, to the extent permissible under applicable law.
Combining Data: We reserve the right to combine information from multiple sources to maintain accurate records, personalize your experience, detect fraud, and improve our Services.

5. HOW WE USE YOUR INFORMATION

We use the information we collect for the following purposes:

5.1 Information You Provide Directly

To register and manage your user account.
To provide personalized crop advisory, market price information, weather-based alerts, and agri-input recommendations.
To facilitate platform transactions — including purchase of Krusho Points, you connecting with farm service providers.
To respond to your queries, complaints, and support requests.
To send transactional notifications related to your activity on the Platform (e.g., order confirmations, payment updates).

5.2 Platform Operations and Security

To maintain, operate, and improve the technical reliability of the Platform across web, iOS, and Android.
To detect, investigate, and prevent fraudulent activity, unauthorized access, and violations of our Terms and Conditions.
To conduct audits, fulfill regulatory compliance obligations, and enforce our legal rights.
To process billing, collections, and financial reconciliations.

5.3 Personalization and Analytics

To understand your preferences and usage patterns in order to tailor content, services, and features to your needs.
To generate anonymized and aggregated insights that help us improve Platform design, agricultural content, and market intelligence.
To conduct research and development, including the use of artificial intelligence and machine learning tools, to enhance crop-prediction models, pricing algorithms, and advisory accuracy.

5.4 Communications and Marketing

To send informational and promotional communications (via SMS, email, app notifications, or WhatsApp) about new features, agri-schemes, seasonal offers, and relevant content — where you have consented to receive such communications.
To enable push notifications on mobile devices (which you may disable in your device settings at any time).
To administer contests, loyalty programs, or promotional campaigns.

5.5 Legal and Regulatory Obligations

To comply with applicable Indian laws, including but not limited to the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023 (DPDP Act), and any subordinate regulations.
To respond to valid legal processes including court orders, government directives, or law enforcement requests.

6. HOW WE SHARE YOUR INFORMATION

We do not sell your personal data. We may share your information only in the following circumstances:

With Agri-Partners and Service Providers: We share necessary details with input dealers, agri-businesses, logistics providers, and payment gateways to fulfill your transactions or deliver services you have requested. Such partners are bound by confidentiality obligations.
With Technology and Infrastructure Vendors: Third-party vendors assisting with cloud hosting, data analytics, customer support, communication delivery, and application maintenance may access data solely for the purposes specified and under contractual data protection obligations.
For Legal Compliance: We may disclose information when required to do so by law, judicial order, or a directive from a competent regulatory authority, including to prevent fraud or investigate suspected illegal activity.
Corporate Transactions: In the event of a merger, acquisition, restructuring, or sale of assets, your personal data may be transferred as part of that transaction. We will notify you before your data is subject to a different privacy policy.
With Your Consent: We may share data with third parties not listed above if you provide explicit, informed consent for the specific sharing.
Aggregated or De-Identified Data: We may share anonymized, aggregated data with research institutions, government bodies, or agri-ecosystem stakeholders for agricultural development purposes. Such data cannot reasonably be used to identify you.

7. FARMER DATA - SPECIAL OBLIGATIONS

Krusho was built to empower the farming community. We treat agricultural and farm-related data as sensitive and apply enhanced safeguards to it:

Farm land details, crop data, and yield information will not be shared with commercial entities for profiling or resale without your explicit written consent.
Farm data submitted to Krusho will be used only to improve the advisory, market, and financial services offered to you through the Platform.
Aggregated and anonymized crop or weather data may be shared with government agencies, agri-universities, or policy bodies for the public benefit of agricultural development.
You retain ownership of your farm data. We act as a custodian and processor on your behalf.

8. DATA STORAGE AND RETENTION

Your personal data is stored on secure servers located in India, operated by NB AgriMatrix or it contracted cloud service providers. Where data is transferred to or processed by service providers outside India, we ensure adequate data protection safeguards are in place as required by applicable law.

We retain your personal data for as long as your account is active, or for as long as is reasonably necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, enforce our agreements, and maintain audit logs. Upon deletion of your account, we will remove your data subject to legal retention requirements and backup recovery systems.

9. YOUR RIGHTS AND CHOICES

Subject to applicable law, including the Digital Personal Data Protection Act, 2023, you have the following rights with respect to your personal data:

Right of Access: You may request a summary of the personal data we hold about you. Right to Correction: You may request correction of inaccurate or incomplete personal data.
Right to Erasure (Deletion): You may request deletion of your personal data and account. Note that certain data may be retained for legal, audit, or fraud-prevention purposes even after deletion.
Right to Grievance Redressal: You have the right to raise a grievance with our Data Protection Officer (DPO) or with the competent Data Protection Board established under the DPDP Act, 2023.
Right to Withdraw Consent: Where our processing is based on your consent, you may withdraw it at any time. Withdrawal does not affect the lawfulness of processing prior to withdrawal.
Notification Preferences: You may opt out of marketing communications at any time by following the unsubscribe instructions in any message or by contacting us. Note that transactional and service-critical notifications cannot be opted out of while your account remains active.
Location Permissions: You may revoke the Platform's access to your device location at any time through your mobile or browser settings.

To exercise any of these rights, please contact us at info@krusho.in. We will respond within the timelines prescribed by applicable law.

10. DATA SECURITY

We implement industry-standard physical, technical, and organizational safeguards designed to protect your personal data against unauthorized access, accidental loss, alteration, disclosure, or destruction. These include, but are not limited to:

Encryption of data in transit using TLS/SSL protocols.
Secure storage practices with restricted access controls.
Regular security assessments, vulnerability testing, and audit trails.
Employee training on data protection and confidentiality.

While we take all reasonable precautions, no method of electronic transmission or storage is 100% secure. You are responsible for maintaining the confidentiality of your account credentials and must not share your username, password, or OTP with any third party. We are not liable for any unauthorized access resulting from a breach of your credentials.

11. COOKIES AND TRACKING TECHNOLOGIES

The Krusho web application uses cookies and similar tracking technologies to enhance your browsing experience, remember your session, analyze Platform usage, and deliver relevant content. Types of cookies we use include:

Essential Cookies: Necessary for the basic functioning of the Platform (e.g., session management, login authentication).
Analytics Cookies: Help us understand how users navigate and interact with the Platform, enabling us to improve content and features.
Preference Cookies: Store your language, location, and display settings so you don't have to re-enter them each visit.

You can control cookie usage through your browser settings. Please note that disabling essential cookies may impair certain features of the Platform. Our mobile applications use device identifiers in a functionally similar manner.

12. THIRD-PARTY LINKS INTEGRATIONS

The Krusho Platform may contain links to or integrations with external websites, government portals, weather services, financial platforms, or other third-party content. We provide these for your convenience and do not control the content or privacy practices of those external services.

This Privacy Policy does not apply to information collected by any third party. We strongly encourage you to review the privacy policies of any third-party service you access through or in connection with the Krusho Platform.

13. CHILDREN'S PRIVACY

The Krusho Platform is not designed for, directed at, or intended to be used by individuals under 18 years of age. We do not knowingly collect or store personal data from children. If we learn that a minor's data has been collected without appropriate parental consent, we will delete that data promptly. If you believe your child's information has been inadvertently collected, please contact us immediately at info@krusho.in.

14. CHANGES TO THE PRIVACY POLICY

NB AgriMatrix reserves the right to update or revise this Privacy Policy at any time to reflect changes in applicable law, regulatory requirements, technical practices, or Platform features. All revisions will be posted on this page along with an updated effective date. For material changes,

we will provide notice through the Platform or via your registered contact details, where required by law. Your continued use of the Services after any update constitutes your acceptance of the revised Policy.

15. GRIEVANCE REDRESSAL AND CONTACT INFORMATION

In accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Digital Personal Data Protection Act, 2023, NB AgriMatrix has designated a Data Protection Officer (DPO) / Grievance Officer to address any privacy-related concerns:

Designation - Data Protection Officer / Grievance Officer

Organization - NB AgriMatrix Pvt Ltd

Platform - Krusho™

Email - info@krusho.in

Response Time - Within 30 days of receipt of grievance, as prescribed under applicable law

Escalation - Data Protection Board of India (once constituted under DPDP Act, 2023)

If your concern is not resolved to your satisfaction through the above channel, you may approach the Data Protection Board of India or any other competent authority established under applicable law.

KRUSHO - SMART FARMING SMART JOBS

NB AgriMatrix Pvt Ltd | krusho.in | info@krusho.in

Version 1.0 | Effective April 19, 2026

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