Knaakit Merchant App Privacy Policy
Last Updated: August 19, 2026
Knaakit is operated by Meritlife Technologies Pvt. Ltd. (“Knaakit”, “we”, “us”, or “our”).
This Privacy Policy explains how Knaakit collects, uses, stores, processes, and protects information when merchants use the Knaakit Merchant App and related merchant services.
By registering for or using the Knaakit Merchant App, you acknowledge that you have read and understood this Privacy Policy.
1. Information We Collect
We collect information that is necessary to create and operate your merchant account, provide Knaakit's services, process transactions, provide rewards functionality, and maintain the security of the platform.
1.1 Merchant Account Information
When you register or create a merchant account, we may collect:
Business/merchant name
Owner or authorised representative's name
Email address
Mobile phone number
Business address
Business category
Business location
Profile or business image, where provided
Login and authentication information
1.2 Business Information
Depending on the services you use, we may collect information relating to your business, including:
Business operating details
Merchant identification information
Business registration or verification information
Store information
Business hours
Products or services offered
Merchant documents submitted for verification, where applicable
We collect only information reasonably required for merchant onboarding, verification, and operation of the Knaakit platform.
1.3 Payment and Transaction Information
Knaakit may process information relating to transactions conducted through the Knaakit platform.
This may include:
Transaction amount
Transaction date and time
Transaction status
Merchant transaction records
Knaakit Coin/reward information
Merchant UPI ID
Payment reference or transaction identifiers
Refund, cancellation, or dispute information, where applicable
Payments may be completed through the customer's own UPI application. Knaakit may receive and store information necessary to determine and record the status of a transaction.
Knaakit does not store the customer's UPI PIN, bank password, or other UPI authentication credentials.
1.4 Customer and Reward Transaction Information
When customers transact with participating merchants, Knaakit may maintain records necessary to operate the rewards network.
This may include:
Merchant transaction history
Purchase amount
Rewards or Coins issued
Coins redeemed
Reward eligibility
Redemption history
Transaction status
Merchant users may see customer-related information only to the extent necessary for providing Knaakit's merchant services and operating transactions and rewards.
1.5 Device and App Information
When you use the Knaakit Merchant App, we may automatically collect technical information such as:
Device type
Operating system
App version
Device identifiers
IP address
Crash reports
Diagnostic information
App performance information
Login/session information
This information helps us maintain security, troubleshoot problems, and improve the reliability of the Merchant App.
1.6 Camera and Storage
The Merchant App may request access to your device camera or storage when required for features such as:
Scanning QR codes
Uploading business or profile images
Uploading documents
Other merchant-related features requiring image or file uploads
Camera or storage access is used only for the relevant feature and is not intended for continuous surveillance.
1.7 Location Information
Where location-based merchant functionality is enabled, Knaakit may collect or use location information to:
Associate a merchant with its registered business location
Display or manage merchant location information
Provide location-based services
Improve the accuracy of merchant discovery
Location access is used only where necessary for the relevant functionality.
1.8 Communications
If you contact Knaakit, we may collect information contained in your communication, including:
Support requests
Feedback
Complaints
Emails
Other communications with Knaakit
We use this information to respond to you and provide customer or merchant support.
2. How We Use Your Information
Knaakit may use the information collected to:
Create and manage your merchant account
Authenticate your account
Verify your business
Provide merchant services
Maintain your business profile
Process and record transactions
Manage Knaakit Coins and rewards
Maintain merchant transaction history
Provide customer and merchant support
Communicate important account or service information
Detect and prevent fraud, misuse, and unauthorised activity
Maintain platform security
Troubleshoot technical issues
Monitor app performance
Analyse platform usage and improve Knaakit
Comply with applicable legal and regulatory requirements
Protect the rights, safety, and security of Knaakit, merchants, customers, and other users
3. Authentication
Knaakit uses third-party authentication services, including Firebase Authentication, to securely manage account authentication and login.
Authentication information may be processed by these service providers in accordance with their applicable terms and privacy policies.
Knaakit does not ask merchants to provide their passwords to Knaakit employees.
4. How We Store Your Information
Merchant account and application data may be stored using cloud infrastructure and database services used by Knaakit.
Knaakit uses Supabase for database services. Knaakit's primary Supabase database is hosted in Mumbai, India.
We use appropriate technical and organisational measures designed to protect merchant information against unauthorised access, alteration, disclosure, or destruction.
Access to merchant information within Knaakit is restricted to authorised employees and personnel who require access for legitimate business, operational, security, or support purposes.
5. Data Sharing
Knaakit does not sell your personal information.
We may share or provide access to information with trusted service providers where necessary to operate Knaakit, including providers supporting:
Authentication
Cloud infrastructure
Database services
Analytics
Payment and transaction processing
Security
Customer support
Technical operations
These service providers are permitted to process information only as necessary to provide the relevant services to Knaakit.
We may also disclose information where required by applicable law, legal process, court order, governmental request, or to protect the rights, property, safety, or security of Knaakit and its users.
6. Analytics and Service Improvement
Knaakit may use analytics and technical information to understand how the Merchant App is used, identify technical problems, measure performance, and improve our services.
Analytics may include information such as:
Features used
App interactions
Session information
Device and operating system information
Crash and diagnostic information
Analytics information is used for operational and product-improvement purposes.
7. Customer Information Accessible to Merchants
As a participating Knaakit merchant, you may receive limited customer or transaction information necessary to complete transactions, manage rewards, resolve disputes, or operate Knaakit services.
Merchants must not:
Sell customer information
Use customer information for unrelated purposes
Share customer information with unauthorised persons
Use Knaakit customer information for spam or harassment
Attempt to obtain sensitive payment credentials from customers
Merchant access to customer information may be limited, suspended, or removed if Knaakit determines that the information is being misused.
8. Payment Information
Knaakit facilitates payment-related functionality but does not request or store customers' UPI PINs or banking passwords.
When a customer makes a payment through their UPI application, the payment may be processed by the customer's chosen UPI provider.
Knaakit may receive transaction information necessary to confirm and record payment status and provide associated merchant and rewards functionality.
9. Data Security
We take reasonable measures to protect merchant information, including:
Access controls
Authentication controls
Restricted employee access
Secure cloud infrastructure
Monitoring and technical safeguards
Security practices appropriate to the nature of the information processed
However, no internet-based service can guarantee absolute security. You are responsible for keeping your merchant device and account credentials secure and for notifying Knaakit if you suspect unauthorised access to your account.
10. Data Retention
Knaakit retains information only for as long as reasonably necessary to provide the services, maintain legitimate business and transaction records, resolve disputes, comply with applicable legal obligations, and protect the security and integrity of the platform.
When information is no longer required for these purposes, it may be deleted or securely disposed of in accordance with our applicable practices and legal obligations.
11. Account Deletion
Merchants may request deletion of their Knaakit account.
Where available, account deletion can be initiated directly through the Knaakit Merchant App.
You may also request account deletion by contacting:
Email: support@knaakit.com
We will process account deletion requests in accordance with our applicable procedures.
Deletion may result in the removal of your account and associated information from active systems. Certain information may need to be retained where required by law, for legitimate transaction records, fraud prevention, dispute resolution, security, or other lawful purposes.
12. Your Rights
Depending on applicable law, you may have rights regarding your personal information, including the right to:
Request access to your personal information
Request correction of inaccurate information
Request deletion of your account or personal information
Request information about how your data is processed
Withdraw consent where processing is based on consent
Raise concerns or complaints regarding our handling of your information
To exercise these rights, contact:
13. Children's Privacy
The Knaakit Merchant App is intended for businesses and their authorised representatives and is not directed toward children.
Knaakit does not knowingly collect personal information from children in connection with merchant account registration.
If you believe a child has provided personal information to Knaakit, please contact us at support@knaakit.com.
14. Third-Party Services
The Knaakit Merchant App may rely on third-party services to provide authentication, infrastructure, analytics, payment-related functionality, notifications, and other technical services.
Third-party providers may process information according to their own privacy policies and applicable contractual or legal obligations.
Knaakit is not responsible for the privacy practices of third-party services outside our control.
15. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to our services, technology, legal requirements, or business practices.
When we make material changes, we may provide notice through the Knaakit Merchant App, website, or other appropriate communication channels.
The updated policy will include a revised “Last Updated” date.
16. Contact Us
If you have questions, concerns, requests, or complaints regarding this Privacy Policy or the handling of your information, contact us at:
Meritlife Technologies Pvt. Ltd.
Knaakit
Email: support@knaakit.com
Website: www.knaakit.com
We will make reasonable efforts to respond to privacy-related requests and concerns within a reasonable period.