Terco Mart is the ordering app of Terco Group (“Terco”, “we”, “us”). This policy explains what information we collect when you use Terco Mart, why we collect it, who we share it with and the choices you have. We process personal data in line with the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000 of India.
1. Information we collect
You can browse products in Terco Mart without an account. When you log in, register or place an order, we collect:
| Information | Details |
|---|---|
| Account details | Mobile number (used to log in), your name, firm / business name, contact person and, if you give it, email address. |
| Business & address details | Billing and shipping addresses, city, state, PIN code and GSTIN (optional), so we can deliver and issue GST invoices. |
| Orders & account statement | Products ordered, quantities, prices, coupons, delivery details, invoices, payments, credit and your ledger (account statement) with Terco. |
| Payment information | Payment status, amount and transaction reference. Card, UPI and bank details are entered with our payment partner Razorpay and are not stored by us. |
| Support & enquiries | Messages you send us, the products and quantities you ask about, and photos you choose to attach. |
| Device information | A notification token for your device (to send order and support updates) and basic technical information our service providers log for security and reliability (for example app version, device type and IP address). |
If a Terco salesperson places orders on your behalf, they use the same details for your account. Salesperson accounts are created by Terco for its staff.
We do not collect your location, contacts, call logs or SMS, we do not use advertising or tracking tools, and we do not sell your personal data.
2. How we use your information
- To verify your mobile number and keep you logged in securely.
- To show prices that apply to your account (retail, dealer or distributor level) and your branch.
- To process, deliver and invoice your orders, collect payments and maintain your account statement.
- To send you service notifications – order confirmation, dispatch and delivery updates, invoices, payment receipts and replies to your support requests and enquiries.
- To answer your enquiries and resolve service and warranty issues.
- To keep accounting and GST records required by law, and to prevent fraud and misuse.
3. Who we share it with
We share information only as needed to run Terco Mart:
- Google Firebase (Google Cloud) – hosting, database, file storage, login sessions and push notifications. Data is stored on Google Cloud servers.
- MSG91 – sends the one-time password (OTP) to your mobile number on WhatsApp / SMS when you log in.
- Razorpay – processes online payments under its own privacy policy and RBI rules.
- Transporters and delivery partners – your name, phone number and delivery address, to deliver your order.
- Terco Group staff – your branch, accounts team and assigned salesperson, to serve your account.
- Government authorities – where required by law, for example GST returns and e-invoices, or a lawful request.
These service providers may only use your information to provide their service to us.
4. App permissions
- Notifications – asked after you log in, to send order and support updates. You can turn them off at any time in your phone settings.
- Camera / photos – only when you choose to attach a photo to a support request or enquiry. The app uses the system photo picker and accesses only the photo you select.
- Internet – to load the catalogue and place orders.
5. Payments
Online payments are handled by Razorpay. Your card, UPI or net-banking details go directly to Razorpay and are not seen or stored by Terco. We receive only the payment status, amount and reference number. You can also choose cash on delivery or, if approved, credit.
6. How long we keep your information
- Account and address details – while your account is active.
- Invoices, payments and ledger records – for the period required by GST and income-tax laws (generally at least 8 years), even if you delete your account.
- Support requests and enquiries – up to 3 years after they are closed.
- Notification tokens – until you log out, uninstall the app or the token expires.
7. Security
All data is sent over encrypted connections (HTTPS). Access is protected by login, role-based permissions for our staff and security rules on our database and storage. No method is 100% secure, but we take reasonable steps to protect your information and will inform you and the authorities of a personal data breach as required by law.
8. Your rights & choices
You can:
- See and update your profile and addresses in the app (Account section).
- Ask us for a summary of the personal data we hold about you.
- Ask us to correct or complete inaccurate data.
- Withdraw consent and ask us to delete your data (see below).
- Nominate another person to exercise your rights in case of death or incapacity.
- Turn off notifications in your phone settings.
To use any of these rights, contact us using the details in section 12. We reply within 30 days.
9. Deleting your account
You can ask us to delete your Terco Mart account and personal data at any time – see Delete your account for the steps. We delete your profile, addresses, notification tokens and support messages within 30 days. Invoices, payments and ledger entries are kept only as long as the law requires and are then deleted. If you have an outstanding balance with Terco, we may keep the records needed to settle it.
10. Children
Terco Mart is a business app meant for people aged 18 and above. We do not knowingly collect data from children.
11. Changes to this policy
We may update this policy from time to time. The latest version is always on this page with its effective date. If we make important changes, we will tell you in the app.
12. Contact & grievance officer
For questions, requests or complaints about your personal data, contact our Grievance Officer:
Email: support@tercomart.com
Phone / WhatsApp: +91 99343 86321
Address: Terco Group, Ranchi, Jharkhand, India
If you are not satisfied with our response, you may approach the Data Protection Board of India.