Our Privacy Policy
Thank you for using MyGhar (the “App or Website”). MyGhar is owned by MY GHAR TECHNOLOGIES (PVT) LIMITED, a company registered under the Companies Act 2017, Pakistan. This privacy policy (hereinafter "Policy") applies to your use of the website, and App, and services (hereinafter “Services"). The Policy is intended to inform you about how we collect and use information so you can make an informed decision about using MyGhar and its Services. Please read it carefully before using the Services or submitting any information to us. If you do not agree to any part of this Policy, then you should stop accessing MyGhar and its Services.
This Policy does not apply to information collected in any other way.
This Website and App may contain links to services maintained by others. This Policy does not reflect the privacy practices of those services.
The Policy may change as a result of changes to the Services and the content. Users are requested to refer to this Policy periodically or whenever you visit MyGhar. By accessing and using the Website or App and availing the Services, the User consents to collection, storage, and use of the personal data that the User provides (including any changes thereto as provided by you) for any of the Services and expressly authorizes the Operator to process such personal data.
What Information Do We Collect?
1. Personal Information.
1.1. We may collect and store Personal Information that you provide to us when accessing or using the Services. "Personal Information" means information relating to a person who is or can be identified directly from that information. This includes, but not limited to, your CNIC information, name, gender, address, telephone number, mobile number, email address, or bank account details[AKZ1] . Personal Information also includes, but not limited to the following:
(1) Aggregated or anonymized information;
(2) Information about you that is provided by third parties; or
(3) Information that is posted to publicly accessible areas of MyGhar. Examples of Personal Information we collect include information that you provide when you (a) create or update your account, (b) communicate with us, (c) contact us, (e) update your profile ("Profile"), or post information using your Profile, we may also collect verification information.
(4) Demographic data, such as your location, gender, date of birth, residence address etc.
(5) Other Information that you voluntarily choose to provide to us (such as information shared by you with us through emails or letters.
1.2. We may use certain information you provide for research and statistical purposes and in such cases we will take steps with an aim to protecting your individual identity. We may also use the information you provide to offer you products and services that we believe may be of interest to you. You may choose not to receive such offers and communications from us when you register. You may also opt out or unsubscribe.
1.3. If you submit your information, know that:
(1) It must be accurate, complete, and current. It will be distributed to third parties in multiple formats (including online), and you will not be compensated by in any way for its use.
(2) By submitting the information on our Website/App (and/or its social media pages/Website), you consent to the review of such information by our team members and by those who assist us in the provision of services to the users of our Website/App. We may take steps to inform all such people that such information should be treated as being confidential and should not be shared with anyone (unless required for the provision of any requested service).
(3) Your actual service request details may be stored with us but for security reasons cannot be retrieved directly by us. However, you may access this information by contacting us on info@mygharliving.com
1.5. If you choose to provide us with personal information, you consent to the transfer and storage of that information on our servers.
1.6. We may collect or receive information about you from other sources like third-party information providers, including but not limited to; Facebook. We may use this information along with the information you provide to us directly, for example, to help you and your friends connect or to serve you advertising which cater to your interests.
1.7. You will not be able to use MyGhar or its Services if you opt out of providing your personal information as requested by us at the time of signing up.
2. How We May Use Your Personal Information
2.1. You provide us with information when you sign up to MyGhar. MyGhar will also collect information from all of it users about their use of the Website/App. Any information on users or their use of the Website/App is subject to MyGhar Privacy Policy. By using MyGhar, you consent to use of that information and warrant that all information provided by you is accurate.
2.2. We use information other than Personal Information, including aggregated or anonymized information, for ad targeting, to analyze trends, administer the Services, improve customer service, diagnose problems with our servers, track user movement and gather demographic information for aggregate use. Third party ad platforms may use this information for a similar purpose, but you should follow up with third parties and confirm their information collection and usage practices directly. We may freely publish, disclose and use information other than Personal Information, including aggregated or anonymized Personal Information, to or with third parties.
2.3. We may use Your personal information to help us improve our products and services and getting in touch with you to let You know about goods, services or promotions that may interest you. MyGhar understands your privacy needs and will not sell, trade, or share personal information collected online from Users with third parties. All personal information collected by MyGhar will only be used internally and exclusively within our corporate group.
2.4. In the event that your name and address or other personal information is passed on to a third party, this will only happen in an effort to have your Services Requested rendered to you. In the case of you winning a particular Service on MyGhar, your personal information will automatically be used to contact you.
2.5. Your personal information will also be automatically used for marketing and/or promotional purposes from time to time. However, you can choose to not receive marketing or promotional information from MyGhar at any time by simply utilizing the unsubscribe function in the electronic marketing material sent to you.
2.6. In the event that we engage with third party service providers in connection with our Services, MyGhar may share Personal Information with such service providers who need access to such information to carry out their work for MyGhar. Other than such service providers, MyGhar does not share Personal Information with third parties unless (1) You have indicated to us that you wish to receive information from such parties; (2) You otherwise give us your consent to do so; or (3) in response to a request for information.
3. Transfers of Information
3.1. Information about our Users, including Personal Information, may be disclosed as part of any merger, acquisition, debt financing, sale of company assets, as well as in the event of an insolvency, bankruptcy or receivership in which Personal Information could be transferred to third parties as one of our business assets. In such an event, MyGhar will attempt to notify you before your Personal Information is transferred, but you may not have the right to opt out of any such transfer.
3.2. We may transfer your information to others, including but not limited to, Law enforcement agencies, regulators and other authorities, fraud prevention agencies, identity verification agencies, organizations that introduce you to us, third parties you ask us (or permit us) to share your data with and third parties which are necessary to provide products or services which you are a part of on MyGhar.
4. Security Measures
4.1. MyGhar endeavors to secure your Personal Information from unauthorized access, use or disclosure by putting into place reasonable physical, electronic and managerial procedures to safeguard the information we collect. Additionally, your account information is accessible online only through the use of a Login and password which you create when signing up with MyGhar.
4.2. No security measures are perfect or impenetrable. To protect the confidentiality of your Personal Information, you must keep your password confidential and not disclose it to any other person. You are responsible for all use of the Services by any person using your password. Please advise us immediately by emailing us if you believe your password has been misused. You should also note that email is not secure, and you should not send any confidential or sensitive information to us via an unsecured email.
4.3. MyGhar does not control or endorse the content, messages or information found in any of the Services and, therefore, MyGhar specifically disclaims any liability with regard to the Services and any actions resulting from your participation in any Services, and you agree that you waive any claims against MyGhar relating to same, and to the extent such waiver may be ineffective, you agree to release any claims against MyGhar relating to the same.
5. Lawful Use Only
5.1. User will not publish, upload, submit or distribute any posted materials on MyGhar Website/App which are unlawful, deceptive, misleading, or abusive in any way, including but not limited to posted materials that are defamatory, blasphemous, libelous, pornographic, obscene, threatening, indecent, invasive of privacy or publicity rights, hateful, or would constitute or encourage a criminal offense, violate the rights of any party, contain any corrupted data or malicious code that may impair or alter the appearance or functionality of MyGhar, or give rise to liability or violate any local, state, federal or international law or regulation.
5.2. On certain sections of MyGhar Website/App, posted materials submitted for publication on will be accompanied by User’s name and shall not be submitted anonymously. User warrants that such Posted Materials will not misrepresent or obscure his or her identity or affiliation with any person or entity. Furthermore, User warrants that it will not, by any method or action, directly or through a third party seek to artificially enhance, degrade, or otherwise manipulate the recommendations or endorsements of any User, individual, or group on MyGhar including User’s own.
6. Your Rights
6.1. If you are concerned about your data you have the right to request access to the personal data which we may hold or process about you. You have the right to require us to correct any inaccuracies in your data free of charge. At any stage you also have the right to ask us to stop using your personal data for direct marketing purposes.
7. Permissions
7.1. When you use MyGhar or its Services, there are certain Permissions that you will have the right to Allow or Deny, however it must be noted that if you deny such Permissions you will not be able to use certain Services on MyGhar partially or the whole Website/App in its entirety.
8. How Long We Keep Your Personal Data
8.1. MyGhar will keep your data for the period you are a User of MyGhar. If you are no longer a user of MyGhar, we will also keep your data for the minimum length of time that is required to comply with the purposes set out in this policy and relevant legal or regulatory obligations. Your Personal Data may be kept for longer if we cannot delete it for technical reasons.
9. Deleting Information Held By Us
9.1. If you want to delete personal information associated with your account on MyGhar, please contact us on info@mygharliving.com
9.2. For deletion requests, we will take the reasonable measures to delete your personal information from our records. At times we may keep certain information, for example, personal information relating to payments or customer service matters), where we need and MyGhar has the rights to, such as for legal or accounting purposes. We will also keep information in order to exercise, defend, or establish our rights.
10. Security
10.1. MyGhar implements reasonable and appropriate security measures to help protect the security of your information that you have provided to us and to ensure your data is treated securely and in accordance with this Privacy Policy. By using the Portal, you understand and agree that your information may be used in or transferred to countries other than Pakistan.
10.2. While MyGhar takes precautions against reasonable and possible security breaches of our Services and our User database and records, no website, application or internet based transmission is completely secure. We cannot guarantee that unauthorized access, hacking, data loss, or other breaches will never occur, and we cannot guarantee the security of your information while it is being transmitted to MyGhar. Any transmission is at your own risk and you hereby agree to indemnify and hold harmless MyGhar in case of any such breach.
11. Children
11.1. Our Services are not intended for use by children under the age of 18, and such use is prohibited by our Terms of Service and Privacy Policy. We do not knowingly collect Personal Information from children under 18. If you become aware that a child has provided us with Personal Information, please contact us as set forth in this Policy.
11. General
11.1. We may amend this Privacy Policy at any time by posting the amended terms on the Website and App.
11.2. The Services may provide you with access to or enable you to procure services of third parties. MyGhar neither makes any warranties or representations regarding the services of those third parties nor control nor endorses those services or the content, messages or information found in those services. MyGhar expressly disclaims any liability with regard to: (a) your access and/or use of; (b) any decisions made with regard to; (c) any actions that you may take with regard to; the Services or any third party services. You agree to release MyGhar from any claims with regard to the following and waive any such claims.
11.3. You are responsible for maintaining the accuracy of the Your Information. If Your Information changes, you may correct, delete inaccuracies, or amend information by making the change on your profile page or by contacting us through email. We will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable. If any of Your Information is (or subsequently becomes) untrue, inaccurate, out of date or incomplete, or MyGhar has reasonable grounds to suspect that Your Information is untrue, inaccurate, out of date or incomplete, MyGhar may, at its sole discretion, suspend, cancel or terminate the provision of the Services to you.
11.4. You may choose to unsubscribe from marketing and promotional communications that you may receive from MyGhar by clicking the relevant ‘unsubscribe’ link(s) provided as a part of such promotional marketing or communications.
11.5. You may cancel your account or otherwise stop using the Services. If you do that, you acknowledge that: (a) we may retain Your Information for so long as it is necessary to comply with law and/or regulation or in accordance with our reasonable business practices; and (b) it may not be possible for us to delete Your Information from every database that it may form a part of. Where practicable, after a period of time, Your Information may be anonymized and aggregated, and then we may continue to use it as long as we consider necessary.
12. Cookie Policy
12.1. To improve the effectiveness and usability of MyGhar for our Users, we use "cookies", or such similar electronic tools to collect information to assign each visitor a unique random number as a User Identification (User ID) to understand the User's individual interests using the identified computer or any handheld device. Unless the User voluntarily identifies himself/herself (e.g., through registration), MyGhar has no way of knowing who the User is, even if we assign a cookie to the User's computer or handled device. The only personal information a cookie can contain is information supplied by the User. A cookie cannot read data off the User's hard drive. MyGhar advertisers may also assign their own cookies to the User's browser (if the User clicks on their ad banners), a process that MyGhar does not control.
12.2. MyGhar also includes links to other websites. Such websites are governed by their respective privacy policies, which are beyond MyGhar’s control. Once the User leaves MyGhar servers (the User can tell where he/she is by checking the URL in the location bar on the User's browser), use of any information provided by the User is governed by the privacy policy of the operator of the site which the User is visiting.
13. User Consent
13.1. You acknowledge that this Privacy Policy is a part of the Terms and Conditions of MyGhar, and you unconditionally agree that becoming a User of the Website, Application and its Services signifies your (i) Consent to this Privacy Policy, and (ii) consent to MyGhar using, collecting, processing and/or disclosing your Personal Information in the manner and for the purposes set out in this Privacy Policy. Your visit to the Website/Application and use of the Services is subject to this Privacy Policy and the Terms and Conditions.
14. Changes to our Privacy Policy
14.1. We reserve the right to update and amend this Privacy Policy from time to time and it is the Users responsibility to read and check the Privacy Policy of MyGhar whenever they use our Services.
14.2. If any material changes are made to this Privacy Policy we will use reasonable methods to inform you by e-mail or by notice on the website/application.
14.3. We will not enforce material changes to this Privacy policy without your express consent. If you decline to accept the changes to this Privacy Policy, or otherwise do not accept the changes within the time period, we may not be able to continue to provide some or all products and services.
15. Questions
15.1. If you have any additional questions or concerns related to this statement and/or our practices, please email us at info@mygharliving.com
This Privacy Policy was last updated on 24th November 24, 2020.