The Privacy Policy of (Website Name), operated and managed by (Company Name), outlines how your personal information is collected, processed, and utilized whenever you engage with our platform or access our services. Please note that this policy does not cover external websites linked through our platform or any third-party entities associated with (Website Name).

In this document, the terms “we,” “our,” and “us” refer exclusively to (Website Name), while “you,” “your,” “user,” or “users” indicate individuals who visit or interact with the platform. If you do not agree with the practices set out in this policy, we advise you to discontinue use of (Website Name).

This Privacy Policy should be read together with our Terms and Conditions, as both collectively form the basis for accessing and using (Website Name).

Information We Collect

When you engage with our platform, we gather various types of information to ensure secure transactions, meet compliance requirements, and enhance your overall experience.

We may collect personally identifiable details such as your full name, email address, phone number, residential address, and, where mandated by law, government-issued identification (including PAN or Aadhaar) for KYC (Know Your Customer) verification.

For processing payments or providing financial services, we also collect financial information including bank account details, UPI ID, credit or debit card data, and billing or invoice records. Transaction histories are maintained to meet regulatory obligations and support customer service needs.

To optimize platform performance and secure access, we record technical information such as IP address, browser type and version, device details, operating system, and activity logs containing timestamps and user actions. This may also involve referral sources and clickstream patterns to help us analyze how users interact with our services.

Additionally, our website uses cookies and related tracking technologies to store user preferences, manage sessions, and improve functionality. These tools allow us to provide a more tailored experience while also supporting fraud prevention and analytics.

How We Use Your Information

We do not sell, exchange, or lease your personal information to third parties for marketing purposes. However, your data may be shared with trusted partners under specific conditions.

We utilize the information collected for the following purposes:

• To process and complete financial transactions
• To verify the identity of users and merchants
• To fulfill legal and regulatory requirements (such as KYC)
• To identify, investigate, and prevent fraud or security breaches
• To deliver customer support and resolve issues
• To maintain, enhance, and develop our services
• To send service-related notifications (including transaction alerts and updates)
• To perform internal audits and data analysis
• To tailor user experiences and optimize content delivery
• To promote our services, subject to user consent

How We Share Your Information

We do not sell or lease your personal information. However, your data may be shared under the following circumstances:

1. Payment Partners and Banks : To ensure transactions are processed securely and effectively.
2. Merchants : To confirm successful payment and provide related transaction details.
3. Service Providers : With third-party partners who assist in operations such as KYC verification, fraud prevention, IT infrastructure, cloud hosting, and data analytics.
4. Legal and Regulatory Authorities : When required by law or in response to valid requests from public authorities (e.g., courts or government bodies).
5. Corporate Transactions : In the event of a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of the company’s business assets.

Data Retention Policy

We store your personal and transactional data only for as long as necessary to achieve the purposes described in this policy or as required by applicable laws and financial regulations. For instance, KYC records and transaction details are generally retained for a period of 8 to 12 months, depending on legal obligations.

Once the retention period has ended, your information is either securely deleted or anonymized so it can no longer be linked back to you.

Data Security Measures

Safeguarding your information is a top priority for us. We employ advanced security measures, including SSL/TLS encryption, to protect data transmitted between your browser and our servers. Financial information is stored on systems that adhere to PCI-DSS (Payment Card Industry Data Security Standards), ensuring compliance with recognized industry protections.

Our systems are regularly subjected to vulnerability testing and security audits. Access to sensitive information is limited to authorized personnel who are trained in data security and operate under strict access control protocols. We also utilize real-time fraud detection tools, multi-factor authentication, and data loss prevention mechanisms to minimize risks.

While we implement best practices to keep your data secure, it is important to note that no method of online transmission can be guaranteed to be entirely secure. We encourage users to adopt safety measures such as creating strong passwords and avoiding the sharing of login details.

User Rights and Choices

Depending on your location and applicable laws (such as GDPR), you may be entitled to the following rights:

• Right to Access: Request a copy of the personal information we maintain about you.
• Right to Correction: Ask us to correct any inaccurate or incomplete details.
• Right to Deletion: Request the removal of your personal data.
• Right to Withdraw Consent: Revoke any consent previously provided at any time.
• Right to Object/Restrict Processing: Object to or limit certain forms of data processing.
• Right to Data Portability: Request your information in a structured, commonly used, and readable format.

To exercise these rights, please contact us at (mention email).

Cookies and Similar Technologies

Our platform uses cookies and related tracking technologies to improve functionality and deliver a personalized user experience. These tools help us remember preferences, maintain login sessions, and gather usage data to identify areas for enhancement.

You may manage your cookie preferences through your browser settings. Please note that disabling cookies may limit access to certain features or affect transaction completion.

Third-Party Links and Services

Our website may include links to external websites, tools, or plugins (such as banks, KYC providers, or analytics services). We are not responsible for the privacy practices or content of these third parties, and we recommend reviewing their privacy policies before sharing personal information.

Children’s Privacy

Our services are not designed for individuals under 18 years of age. We do not knowingly collect personal details from children. If we become aware that data has been collected from a child without verified parental consent, we will promptly delete it.

Changes to this Privacy Policy

We may revise this Privacy Policy from time to time to reflect legal, technical, or business developments. Any updates will be published on this page with a revised “Last Updated” date. We encourage you to review this policy regularly to remain informed about our practices.

Consent and Acceptance

By using our website and services, you confirm that you have read, understood, and agreed to the terms outlined in this Privacy Policy. If you do not agree with these practices, please refrain from using our services.

Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy, please reach out to us at (mention email).