Privacy Policy & Anti-Fraud Compliance

1. Information We Collect for Security & Fulfillment

When you register and transact on our platform, we collect essential operational and anti-fraud telemetry data to maintain a secure environment:

• Account Registration Data: Your username, registered email address, phone/WhatsApp number, and encrypted password credentials.
• Order & Target URL Logs: All social media links, profile handles, and content URLs submitted for order fulfillment. These links are audited to ensure compliance with our Prohibited Content rules.
• Payment & UTR Telemetry: Transaction Reference Numbers (UTR/RRN), payment timestamps, sender VPA/UPI IDs, and deposit amounts. While we do not store raw card numbers or UPI PINs, we log transaction metadata to prevent third-party payment fraud and bank lien disputes.
• Device & Network Forensics: IP addresses, ISP details, browser user-agents, and login timestamps to detect unauthorized access, proxy abuse, or cybercrime activity.

2. Strictly Prohibited Content & Illegal Services (India Compliance)

Our platform provides legitimate social media marketing and digital visibility services for creators, brands, and agencies. You are strictly forbidden from using our dashboard or API to promote, boost, or send traffic to any page, channel (including Telegram, WhatsApp, Instagram, YouTube, or X), or website associated with:

• Pornography & Adult/NSFW Content: Any sexually explicit material, non-consensual imagery, escort services, or adult cam portals prohibited under Section 67 of the Information Technology Act, 2000.
• Money Doubling & Financial Ponzi Scams: Fake currency notes, "double your money in 24 hours" schemes, unauthorized forex/binary trading guarantees, crypto rug-pulls, or fake investment groups.
• Illegal Gambling, Betting & Casino Apps: Unlicensed sports betting (including illegal IPL/cricket bookies), color-prediction apps, Aviator/crash game scams, or unauthorized lottery channels prohibited across Indian states.
• Phishing, Carding & Cyber Crime: Stolen bank/credit card data, OTP bypass services, modded/hacked APK distribution, extortion, defamation, or impersonation of government officials.
• Narcotics, Weapons & Contraband: Sale or promotion of banned substances, pharmaceuticals, weapons, or any activity violating the Bharatiya Nyaya Sanhita (BNS) and Indian penal statutes.

3. Wallet Deposit Policy & Up to 24-Hour Verification Hold

To safeguard our banking partners and merchant gateways against triangular fraud, phishing scams, and unauthorized bank transfers, all wallet top-ups are governed by the following verification rules:

• Self-Owned Payment Accounts Only: You must deposit funds exclusively from a bank account, UPI ID, or wallet registered in your own legal name. Collecting money from third-party victims and having them pay directly into our merchant QR/UPI is strictly prohibited.
• Up to 24-Hour Deposit Verification Window: While standard automated deposits reflect rapidly, any deposit (via UPI, QR Code, IMPS/NEFT, or Crypto) may take up to 24 hours for manual security verification if flagged by our banking gateway or risk engine. Users must wait patiently during this 24-hour verification window before raising duplicate tickets.
• Mandatory KYC Verification on Flagged Deposits: We reserve the right to hold any deposit and request KYC documentation—including a clear copy of your Government ID (PAN Card / Aadhaar Card), bank statement showing the debit, and a live selfie—before crediting your wallet balance.

4. Account Freezing, Lien Marks & Dispute Resolution

We maintain a proactive anti-fraud posture to prevent misuse of our platform:

• Immediate Account Freeze: If our automated monitors or compliance team detect any illegal content promotion, suspicious UTR submissions, chargeback attempts, or third-party payment complaints, your account and remaining wallet balance will be frozen immediately.
• How to Appeal a Frozen Account: If your account is frozen or your deposit is held for verification, you must contact our compliance department directly via Email (`info.iluvsmmpanel@gmail.com`) or WhatsApp (`+91 9643158483`) with your registered username, UTR screenshot, and valid KYC proof.
• Liability for Bank Lien Marks & Cyber Complaints: If a deposit made into your panel account results in a bank lien mark, debit freeze, or complaint on the National Cyber Crime Reporting Portal (`cybercrime.gov.in`), your account will be permanently terminated, your wallet balance forfeited toward legal/administrative recovery, and your complete digital footprint handed over to law enforcement.

5. Data Sharing, Law Enforcement & Third Parties

We do not rent or sell your personal data to commercial marketers. We disclose user data only under the following operational and legal circumstances:

• Order Fulfillment Nodes: Only the public target social media URL you submit is passed to our wholesale API servers to complete your order.
• Cyber Crime Cells, Police & Banking Authorities: In accordance with the Information Technology Act, 2000 and Indian banking regulations, we share complete user records—including IP logs, email addresses, phone numbers, transaction UTRs, and target social media links—with Cyber Crime Police Stations, Nodal Officers, and Bank Fraud Risk Management (FRM) teams upon receiving an inquiry or lien notice, without requiring prior user consent.

6. Cookies, Session Logs & Data Retention

We use essential functional cookies to maintain your authenticated dashboard session and security tokens. Even if you request the deactivation of your user profile, we legally retain transaction logs, UTR records, IP addresses, and order histories in our encrypted compliance archives for a minimum of 5 years to satisfy financial auditing and cybercrime investigation requirements.