1. Purpose of This Policy
This Data Retention & Record Policy explains how 4CERA GLOBAL PRIVATE LIMITED,
operating under the brand name 4CERA Global (“Company”), collects, stores, retains,
and manages records of Customers.
The objectives of this Policy are to:
- Ensure transparency and accountability
- Support audits and regulatory inquiries
- Comply with applicable Indian laws
- Protect the rights and data of users
2. Scope of Records Covered
This Policy applies to all records generated through the use of the 4CERA Global platform,
including but not limited to:
- Customer registration records
- KYC and identity verification documents
- Purchase, repurchase, and order invoices
- Cashback Wallet transactions
- Grievances, complaints, and resolutions
- Communication records related to compliance
3. Data Retention Period
4CERA Global retains records for the following minimum periods, unless a longer period is
required by law:
3.1 KYC & Identity Records
PAN, Aadhaar (where applicable), bank details, and other KYC documents.
- Retention Period: Minimum 2 (Two) years from the date of last transaction or account closure
3.2 Transaction & Financial Records
- Product purchase invoices
- Cashback Wallet credits and utilization
- Tax deduction (TDS) and statutory records
Retention Period:
- Minimum 3 (Three) years, or
- As required under the Income Tax Act, GST laws, or audit regulations
3.4 Grievance & Dispute Records
- Complaints raised by Customers
- Investigation notes and resolution outcomes
Retention Period:
- Minimum 2 (Two) years from final resolution, or
- Till closure of any legal or regulatory proceedings
4. Audit & Regulatory Inquiry Support
4CERA Global maintains records in a manner that enables:
- Internal audits
- Statutory audits
- Government or regulatory inspections
- Consumer authority inquiries
- Law enforcement requests, where legally required
Records shall be provided only to authorized authorities and strictly in accordance with
applicable laws.
5. Data Storage & Security Measures
- All records are stored in secure electronic systems with controlled access
- Reasonable security practices are followed to prevent unauthorized access, alteration, or loss
- Access to sensitive records is restricted to authorized personnel only
6. Data Confidentiality & Use Limitation
- Personal and financial data is used only for lawful business, compliance, and regulatory purposes
-
Records are not sold, shared, or disclosed to third parties except with:
- Banks and payment gateways
- Statutory auditors
- Government or regulatory authorities (as required by law)
7. Record Deletion & Anonymization
After completion of the applicable retention period:
- Records may be securely deleted, archived, or anonymized
- Deletion is carried out in a manner that prevents unauthorized recovery
This does not apply where data must be retained due to:
- Ongoing disputes
- Legal proceedings
- Regulatory directions
8. User Rights
Customers may:
- Request confirmation of data held by the Company
- Seek correction of inaccurate records
- Request deletion, subject to legal and regulatory retention requirements
Requests may be submitted through the Company’s official support channels.
9. Policy Review & Amendments
This Policy may be updated from time to time to reflect:
- Changes in law or regulations
- Updates in compliance requirements
- Improvements in data security practices
Revised versions shall be published on the official website.
10. Governing Law & Jurisdiction
This Data Retention & Record Policy shall be governed by the laws of India, and courts at
Delhi (India) shall have exclusive jurisdiction.
4CERA Global
Secure Records.
Transparent Operations.
Compliance Without Compromise.
