Privacy policy — NIVS.mu

NIVS.mu PRIVACY POLICY Effective Date: 18 September 2026 This Privacy Policy explains how Nivs Nextgen Ltd, Mauritius ("NIVS.mu", "we", "us" or "our") collects, uses, stores and protects personal information when customers, vendors, service providers, drivers and other users access or use the NIVS.mu platform, mobile applications, websites and related services. By using NIVS.mu, you acknowledge the practices described in this Privacy Policy. 1. INFORMATION WE COLLECT Depending on how you use NIVS.mu, we may collect information including: • name; • email address; • telephone number; • account details; • profile information; • delivery and service addresses; • location information when you use a location-based feature; • order and booking information; • taxi pickup and destination information; • towing pickup and destination information; • service requests and quotations; • wallet and transaction records; • payment references and payment confirmation information; • prescription images or documents uploaded for pharmacy services; • customer support communications; • chat messages sent through the platform; • device information; • push-notification tokens; • login and security information; • application usage and technical diagnostic information. For participating vendors, drivers and service providers, additional information may include business registration details, identification documents, proof of address, VAT registration details and other information required for platform approval or operation. 2. HOW WE COLLECT INFORMATION Information may be collected: • directly from you when you create an account; • when you place an order or make a booking; • when you upload documents or images; • when you request a ride, delivery or towing service; • when you post or respond to a service request; • when you contact customer support; • automatically through normal application operation; • from participating vendors, drivers or service providers where necessary to complete a transaction; • from payment or technology service providers where required to operate the platform. 3. LOCATION INFORMATION NIVS.mu may use location information for features such as: • taxi pickup and destination; • towing pickup and destination; • delivery addresses; • nearby vendors or providers; • route and distance calculations; • service availability. The NIVS.mu mobile application should request device location permission only when you activate a feature that requires location information. You may refuse location permission, but certain location-based features may then be unavailable or require manual address entry. 4. HOW WE USE PERSONAL INFORMATION We may use personal information to: • create and manage accounts; • process orders and bookings; • connect customers with vendors, drivers and service providers; • calculate delivery, ride or service information; • process wallet transactions; • maintain transaction histories; • provide customer support; • investigate disputes; • prevent fraud, abuse and unauthorised activity; • provide security and authentication; • send order, booking and account notifications; • send push notifications; • maintain and improve platform functionality; • comply with legal and regulatory obligations; • maintain accounting, tax and transaction records; • enforce NIVS.mu Terms & Conditions and platform policies. 5. ORDERS AND BOOKINGS When you make a transaction, NIVS.mu may store information such as: • customer account ID; • order or booking ID; • participating vendor or provider; • products or services purchased; • quantities and prices; • VAT where applicable; • delivery or service charges; • payment method; • order status; • delivery or booking details; • applicable legal-policy versions accepted at checkout; • acceptance timestamp. Previous transactions may remain associated with the exact policy version accepted when the transaction was completed. 6. PAYMENT INFORMATION NIVS.mu may store payment status, payment references, wallet transactions and transaction records. Where an external payment processor is used, payment-card or banking information may be processed by that provider according to its own terms and privacy practices. NIVS.mu should not store full payment-card credentials unless technically necessary and lawfully permitted. 7. NIVS.MU WALLET Where the NIVS.mu Wallet is enabled, we may maintain records including: • wallet balance; • credits; • debits; • top-up requests; • transaction references; • payment screenshots submitted for verification; • refunds; • adjustments. Wallet transaction history may be retained for accounting, fraud-prevention and dispute-resolution purposes. 8. PHARMACY AND PRESCRIPTIONS If you upload a prescription, the prescription may be shared with the participating pharmacy selected for the transaction. Prescription information is used only as reasonably necessary to facilitate the pharmacy request, fulfil legal requirements, investigate issues or retain transaction records where required. Customers should avoid uploading unrelated personal or medical information. NIVS.mu is not a medical provider and does not use prescription information to provide diagnosis or medical advice. 9. INFORMATION SHARED WITH VENDORS AND SERVICE PROVIDERS To complete a transaction, relevant information may be shared with the participating vendor, restaurant, pharmacy, shop, rental provider, service professional or other provider. This may include information reasonably required to fulfil the transaction, such as: • customer name; • delivery or service address; • contact information; • order or booking details; • service instructions. Providers should use customer information only for legitimate transaction and service purposes. 10. INFORMATION SHARED WITH DRIVERS Delivery, taxi or towing drivers may receive information necessary to complete the assigned service, such as: • customer name; • telephone number where required; • pickup location; • delivery location; • destination; • order or job information; • delivery instructions; • proof-of-delivery requirements. Drivers must not use customer information for unrelated purposes. 11. SERVICE MARKETPLACE AND CHAT Messages and information exchanged through NIVS.mu chat or service-request tools may be retained as part of the transaction record. These records may be reviewed where reasonably necessary for: • dispute resolution; • safety; • fraud prevention; • customer support; • enforcement of platform rules. 12. PUSH NOTIFICATIONS NIVS.mu may store a device notification token to send operational notifications such as: • order updates; • driver updates; • booking updates; • account-security notices; • service messages. Marketing notifications should be sent only where permitted and may be disabled through available device or application settings. 13. DEVICE AND TECHNICAL INFORMATION We may collect limited technical information such as: • device type; • operating-system information; • application version; • IP address; • error or diagnostic information; • security logs; • notification token. This information may be used to maintain security, troubleshoot problems and improve platform performance. 14. COOKIES AND SIMILAR TECHNOLOGIES NIVS.mu websites or web-based services may use cookies or similar technologies required for authentication, security, preferences, analytics or normal platform functionality. 15. HOW WE SHARE INFORMATION NIVS.mu may disclose relevant information to: • vendors; • drivers; • service providers; • technology providers; • hosting and infrastructure providers; • payment providers; • professional advisers; • authorities where disclosure is legally required. NIVS.mu does not sell personal information to advertisers. 16. DATA SECURITY We use reasonable technical and organisational safeguards designed to protect personal information against unauthorised access, disclosure, alteration or loss. These measures may include: • authenticated access; • encrypted network connections; • restricted database access; • role-based administrative access; • logging and monitoring; • secure server infrastructure; • account-session controls. No electronic system can guarantee absolute security. 17. DATA RETENTION Personal information may be retained for as long as reasonably necessary for: • providing NIVS.mu services; • completing orders and bookings; • maintaining wallet and financial records; • accounting and tax requirements; • dispute resolution; • fraud prevention; • security; • legal and regulatory requirements. Some transaction records may need to remain stored after an account is closed. 18. ACCOUNT CLOSURE Users may request account closure subject to applicable requirements. Account closure does not necessarily require deletion of records that NIVS.mu must retain for legitimate legal, financial, fraud-prevention, security or transaction-history purposes. 19. CHILDREN NIVS.mu is not intended to knowingly collect personal information from children where use of the relevant service requires legal capacity or adult consent. Where required, a parent or legal guardian should supervise use of the platform. 20. YOUR INFORMATION AND CHOICES Subject to applicable law, users may request information about personal data associated with their account and may request correction of inaccurate information. Certain information cannot be deleted immediately where retention is required for legitimate legal, accounting, transaction, security or dispute purposes. 21. MARKETING COMMUNICATIONS Operational communications necessary for orders, bookings, payments, security and account administration may be sent as part of providing the service. Marketing communications may be subject to separate preferences or consent where required. 22. INTERNATIONAL SERVICE PROVIDERS Some technical infrastructure or service providers used by NIVS.mu may process information using systems located outside Mauritius. Where this occurs, NIVS.mu will seek to use appropriate safeguards and reputable service providers. 23. FRAUD AND PLATFORM SECURITY Information may be processed to identify: • fraudulent transactions; • account misuse; • false bookings; • abuse of promotions; • payment irregularities; • unauthorised access; • threats to platform users or infrastructure. Accounts may be temporarily restricted where reasonably necessary to investigate suspicious activity. 24. LEGAL REQUIREMENTS NIVS.mu may disclose or preserve information where reasonably necessary to: • comply with applicable law; • respond to lawful authority requests; • protect users; • investigate fraud; • establish, exercise or defend legal claims; • enforce platform agreements. 25. THIRD-PARTY SERVICES NIVS.mu may contain links or integrations involving third-party services. Those third parties may have their own privacy policies, and NIVS.mu is not responsible for their independent privacy practices. 26. CHANGES TO THIS PRIVACY POLICY NIVS.mu may update this Privacy Policy. Each published version will have a version number and publication date. Where acceptance is required for a transaction, the platform may record the exact version applicable to that transaction. 27. CONTACT Nivs Nextgen Ltd Mauritius Platform: NIVS.mu Privacy or data-related questions may be submitted through the official NIVS.mu customer-support channel. 28. GOVERNING FRAMEWORK This Privacy Policy is intended to operate in accordance with applicable privacy and data-protection requirements in the Republic of Mauritius. Where mandatory legal rights apply, nothing in this Privacy Policy limits those rights.

NIVS.mu — Privacy policy