At , safeguarding your Personal Data is our top priority. We are committed to protecting the information you share with us and strictly follow applicable Indian laws, including the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, to ensure your data remains secure and confidential.
Here's an overview of how we collect and process your data:
- Purpose: We collect and process your Personal Data only as required to meet your needs and successfully execute transactions on our platform.
- Legal Compliance: Our data collection and processing practices comply with all applicable laws and regulations in India.
- Personal Data Definition: “Personal Data” means any information that can directly or indirectly identify you, including your characteristics, traits, attributes, or other aspects of your identity. It does not include information that is publicly available or disclosed under the Right to Information Act, 2005, or any other applicable law. It also includes Sensitive Personal Data, such as passwords, financial details (e.g., bank account information), physical or mental health conditions, sexual orientation, medical records, and biometric information, as defined under Indian law.
Please note that if you choose not to provide the required Personal Data, we may be unable to process your transaction. Protecting your privacy is extremely important to us, and we are dedicated to ensuring the security and confidentiality of your Personal Data in compliance with applicable laws.
Types of Information We Collect
We may collect the following information from you:
- Personal details: This includes your name, age, gender, photograph, address, phone number, email ID, contacts, and basic demographic information.
- Financial information: We may collect details related to your financial activities, such as payment methods and transaction history.
- Usage data: This covers information about how you interact with our website or mobile application, including pages visited and features used.
- Device information: We may gather details about the device used to access our services, such as IP address, operating system, and browser type.
- Location information: With your consent, we may collect your geolocation data to provide personalized services or for fraud prevention.
- PAN and KYC information: This includes your PAN card details and KYC-related data such as videos or other online/offline verification documents, along with any business-related information as required by regulatory authorities.
- Aadhaar information: This may include your Aadhaar number or Virtual ID for e-KYC authentication with UIDAI. Providing Aadhaar is optional, and you may alternatively use other identification such as PAN or GST number.
Utilization of Your Personal Data
We employ your Personal Data within our business operations to support the provision of our partners' products/services and to carry out various activities, including:
- Enabling smooth transaction processing and generating related transaction reports.
- Performing research and analysis to improve our products/services, strengthen security, and maintain service quality.
- Assessing and processing your product/service requests, along with any instructions or submissions made by you.
- Keeping you updated on any changes to products/services, including modifications to terms and conditions of both the platform and offerings.
- Handling and investigating any complaints, claims, or disputes that may occur.
- Responding to your queries, concerns, or feedback in a timely manner.
- Verifying your identity to ensure secure delivery of the requested products/services.
- Conducting lawful credit checks, screenings, and due diligence processes when required.
- Tracking and periodically reviewing the performance and effectiveness of our products/services.
- Preparing financial, regulatory, and management reports, along with developing and maintaining risk management frameworks.
Storage and Retention
We prioritize the secure storage and responsible retention of your Personal Information. In accordance with applicable laws, your data is stored within India and retained for a duration that aligns with the purpose for which it was collected. Our commitment to protecting your privacy means that we take necessary precautions to prevent fraud and abuse, as well as comply with legal requirements.
- Data Storage: Your Personal Information is securely stored within India in accordance with applicable laws and regulations.
- Retention Period: We retain your data only for as long as necessary to fulfil the purpose for which it was collected.
- Fraud Prevention: In certain situations, your information may be retained if there are signs of potential fraud or misuse.
- Legal Compliance: We comply with legal requirements, including retaining data during ongoing legal or regulatory proceedings or in response to official requests.
- Secure Disposal: After the retention period ends, your Personal Information is securely disposed of in line with applicable laws.
- Privacy Protection: We ensure the security and confidentiality of your Personal Information throughout its entire lifecycle.
Reasonable Security Practices and Procedures
We prioritize the security of your Personal Data and have implemented robust measures to safeguard it against unauthorized access, misuse, loss, modification, or disclosure. Our commitment to data security is evident through the following practices:
- Encryption and Access Control: We implement advanced encryption standards and access control mechanisms to safeguard your information.
- Third-Party Audits: We periodically engage independent cybersecurity audit firms to assess and strengthen our security practices.
- App-Level Security Features: Our application includes multiple layers of protection, such as login/logout controls and app lock features for secure transactions.
- Device Binding: We apply device-binding measures to restrict unauthorized access from unrecognized devices.
While we adopt strong security measures across our digital platforms, it is important to note that no system is completely immune to risks. External factors beyond our control, including hacking attempts or security breaches, may pose potential threats. Although we continuously strive to protect your Personal Information, absolute security cannot be guaranteed.
Third-Party Products, Services, or Websites
If you choose to use products or services offered by third-party providers on our Platform, please note that your Personal Information may be collected by those providers. The collection, use, and handling of your data by such third parties are governed by their respective privacy policies and terms of service. We recommend reviewing their policies to understand how your information will be managed.
Our Platform may also include links to external websites or applications. Once you navigate away from our Platform, please be aware that these third-party sites operate under their own privacy policies, which are beyond our control. Any Personal Information you share on such platforms will be governed by the policies of the respective operators. We encourage you to review their privacy practices before using those services. We are not responsible for how third parties handle your Personal Information or for their privacy policies.
Applicable Law and Jurisdiction
Description: This policy is subject to the laws of India and shall be interpreted and enforced in accordance with them. Any legal disputes or matters arising from this policy shall be exclusively resolved by the Courts of New Delhi, India.