Privacy Policy

2. How we use your information

We use the information we collect for purposes including:
To provide, operate, and maintain our website and Services.
To process your inquiries and applications (for Stripe/PayPal setup, virtual banking, delegations, merchant services, etc.).​
To communicate with you, including responding to your questions, providing customer support, and sending important updates.
To send you marketing or promotional communications where permitted (you can opt out at any time).
To improve and personalize user experience, including content and service offerings.
To analyze usage and trends to improve our website, Services, and customer experience.
To protect against fraud, abuse, or illegal activity and to enforce our Terms & Conditions.
To comply with legal obligations and respond to lawful requests from authorities.

3. Legal basis for processing (if applicable)
Where required by law (for example, when we serve users from the EU/EEA or UK), we rely on the following legal bases for processing your Personal Information:
Your consent.
Performance of a contract with you or to take steps at your request before entering into a contract.
Compliance with legal obligations.
Our legitimate interests (such as improving services, preventing fraud, or securing our systems), provided that your rights and interests do not override these.

4. How we share your information
We may share your information in the following circumstances:
Service providers and partners: With third‑party vendors, consultants, and partners who perform services on our behalf, such as hosting, analytics, email delivery, customer support, or payment/merchant services.
Business partners: With international banking partners, payment processors, and other related entities as needed to provide you with payment gateways, virtual bank accounts, merchant accounts, and related services.
Legal and compliance: To comply with applicable laws and regulations, lawful requests, court orders, or legal processes, or to protect our rights, property, or safety and that of our users or others.
Business transfers: In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
We do not sell your Personal Information.

5. International data transfers
Your information may be transferred to and processed in countries outside your country of residence, including countries that may have different data protection laws. We take appropriate measures to protect your information in accordance with this Privacy Policy and applicable law.

6. Data retention
We retain Personal Information only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When no longer needed, your data will be securely deleted or anonymized.

7. Your rights and choices
Depending on your location and applicable law, you may have the right to:
Access the Personal Information we hold about you.
Request correction of inaccurate or incomplete information.
Request deletion of your Personal Information, subject to certain exceptions.
Object to or restrict the processing of your Personal Information.
Withdraw consent where processing is based on your consent.
To exercise your rights, please contact us at support@karobarguru.com.​
You can also opt out of marketing emails at any time by following the unsubscribe instructions in those emails.

8. Security of your information
We use reasonable technical and organizational measures to help protect your Personal Information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

9. Third‑party websites
Our website may contain links to third‑party websites, services, or social media platforms such as Facebook, Instagram, LinkedIn, and WhatsApp. These third‑party websites are not controlled by us and are governed by their own privacy policies. We are not responsible for the privacy practices of these third parties.​

10. Children’s privacy
Our website and Services are not directed to individuals under the age of 18, and we do not knowingly collect Personal Information from children. If you become aware that a child has provided us with Personal Information, please contact us and we will take steps to delete such information.

11. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last updated” date. We encourage you to review this page periodically for the latest information on our privacy practices.

12. Contact us
If you have any questions about this Privacy Policy or our data practices, please contact us at:​
Karobar Guru
D-3, 3rd Floor, Westland Trade Centre, PECHS Block-7/8, Shahr-e-Faisal, Karachi, Pakistan.
Email: support@karobarguru.com
Phone: +92 333 1140 660