Welcome to (Website Name), your trusted payment gateway. This Privacy Policy is designed to help you understand how we, (Website Name), collect, use, and safeguard your personal information when you use our website, applications, or any other medium provided by us (referred to as the "Platform"). Your privacy is of utmost importance to us, and we are committed to maintaining the highest standards to ensure the security of your personal information.

Information We Collect

We collect your personal information to provide you with seamless services and continually enhance your experience on the (Website Name) platform. The personal and sensitive personal information we collect includes, but is not limited to:

Personal Details:

Name, age, gender, photo, address, phone number, email ID, and nominee details.

KYC-related Information:

PAN, income details, business-related information, and verification documents mandated by relevant regulatory authorities.

Aadhaar Information:

Aadhaar number or Virtual ID for e-KYC authentication with the Unique Identification Authority of India (UIDAI). Note: Submission of Aadhaar information is optional, and alternatives like Voter ID or DL are available.

Transaction Information:

OTPs sent by your bank, NSDL, or (Website Name), balance details, transaction history, bank account details, wallet balance, investment details, and transaction-related communication.

Device Information:

Device identifier, internet bandwidth, mobile device model, browser plug-ins, cookies, or similar technologies for identification, along with IP address and location.

SMS Data:

Short Messaging Service (SMS) stored on your device for various purposes, including registration, OTPs, security enhancements, bill payments, and recharge reminders, with your explicit consent.

Collection Points

We collect information at different stages of your interaction with the (Website Name) platform, including:

• Visiting the (Website Name) platform.
• Registering as a user, merchant, or any other relationship governed by our terms and conditions.
• Transactional activities on the (Website Name) platform.
• Interactions with links, emails, chat conversations, feedback, notifications, and surveys.

We may also obtain your personal information from third parties or publicly available sources, such as financial history from credit reference agencies, vehicle-related information for insurance, and employment-related information for background checks when applying for career opportunities with (Website Name).

Consent and Compliance

The use of the (Website Name) platform constitutes your acceptance of this Privacy Policy and any other terms and conditions applied. Our services are designed for users in India, and your personal information processing is subject to Indian laws. If you do not agree with this Privacy Policy, we kindly request you not to use or access our platform.

Your trust is paramount to us, and we are dedicated to ensuring the security and confidentiality of your personal information. If you have any questions or concerns about our Privacy Policy, please contact us at (mention contact info).

Purpose and Use of Your Information

We process your personal information with the utmost care and transparency. Your trust is our priority, and we want to ensure you understand how and why we use your information. Here's a breakdown of the purposes for processing your personal information:

Account Creation and Verification:

We process your information to create and verify your account, ensuring secure access to our platform.

Access to Products and Services:

Providing you access to our products and services, connecting you with merchants, investment advisors, sellers, and other business partners.

Service Fulfillment:

Fulfilling your service requests and conducting KYC compliance processes as mandated by regulatory bodies, including UIDAI under the Aadhaar Act.

KYC Information Validation:

Validating, processing, and sharing your KYC information and nominee details with intermediaries, Regulated Entities (REs), AMCs, financial institutions, or other service providers as required.

Payment Processing and Communication:

Processing payments on your behalf, communicating with you for queries, transactions, and regulatory requirements.

Facilitating WealthBasket Services:

Enabling the offer of services and facilitating communications for purchase and sale transactions of Wealth Baskets by you.

Transaction Authentication:

Authenticating transaction requests, validating standing instructions, and confirming payments made via our services.

User Experience Enhancement:

Enhancing your user experience by analyzing aggregated user behavior in various processes and submissions.

Customization and Audits:

Customizing services, conducting audits, reviewing products, and monitoring services to ensure safety and ease of use.

Third-Party Contacts:

Allowing third parties to contact you for products and services availed/requested on the (Website Name) platform or through third-party links.

Security Measures:

Carrying out credit checks, screenings, due diligence checks, and taking measures to detect and protect against fraud, money laundering, and other criminal activities.

Enforcement of Terms and Conditions:

Enforcing our terms and conditions to maintain a secure and trustworthy platform.

Communication and Marketing:

Informing you about online and offline offers, products, services, and updates. Customizing and improving your experience through marketing and tailored product offerings.

Dispute Resolution and Technical Support:

Resolving disputes, troubleshooting problems, providing technical support, and addressing bugs to ensure a safe service.

Security Breach Detection:

Identifying security breaches, investigating and preventing illegal activities, and conducting forensic audits as required by PhonePe or government agencies.

Legal Compliance:

Meeting legal obligations in accordance with Indian laws and regulations. While we may process your information for other legitimate business purposes, we take steps to minimize processing, respecting your privacy.

Cookies or Similar Technologies

We use technologies like "cookies'' on certain pages to enhance your experience. These small files assist in analyzing web page flow, measuring promotional effectiveness, and promoting trust and safety. Cookies do not contain personal information and are automatically deleted at the end of a session. You can decline or delete cookies, but some features may be unavailable. Third parties may also place cookies on certain pages, and we do not control their use. Your privacy and control over your information are important to us at (Website Name).

Information Sharing and Disclosures

We may share your personal information responsibly and in accordance with applicable laws. We collaborate with various entities to enhance our services, and your information may be shared with:

• Business Partners: Collaborating entities crucial to providing our services.

• Service Providers: Those assisting in aspects such as logistics, security, and investigations.

• We share your data on a need-to-know basis for purposes like:

• Enabling the provision of products/services and facilitating transactions.

• Aadhaar authentication, as required, through authorized repositories.

• Compliance with applicable laws and Know Your Customer (KYC) requirements.

• Processing financial product subscriptions and ensuring they reach the relevant institutions.

• Your information may also be shared.

• To verify, mitigate, or prevent fraud in collaboration with financial institutions.

• For communication, marketing, data security, analytics, and research purposes.

• In response to legal processes, claims, or to protect users' rights and safety.

• We may share information if required by law, for government initiatives, dispute resolution, or internal investigations.

Storage and Retention

Your personal information is stored within India and retained as per applicable laws. We keep it only as long as necessary for the purpose collected, and any retention beyond that is for preventing fraud, future abuse, or as required by law.

Once the retention period ends, your information will be deleted in compliance with applicable laws.

Your Security is Our Priority

We take the security of your personal and sensitive information seriously. Our commitment is reflected in the robust administrative, technical, and physical security measures we've implemented. These measures are designed to protect your data, including Aadhaar information, in compliance with applicable regulations.

Key Security Practices:

Internal and External Reviews: We regularly conduct rigorous internal and external reviews to fortify our security measures. While we strive for impenetrable security, we understand the dynamic nature of threats.

Data Encryption: Your data, both in motion and at rest, is protected through encryption and controls within our network and servers.

Firewall Protection: Our database is stored on servers secured behind a firewall, and access is strictly password-protected and limited.

Your Responsibility in Security

While we ensure robust security practices, your active participation is crucial. Safeguard your login ID and password; refrain from sharing them with anyone. If you suspect any compromise to your personal information, promptly inform us.

Third-Party Involvement

When utilizing services from our platform, you may interact with third-party service providers. Please be aware that these providers have their own privacy policies governing the use of your personal information. Refer to their policies to understand how your data will be handled.

External Links Disclaimer

Leaving Our Servers: When you click on links redirecting you to other websites or applications, their privacy policies take effect. Review these policies before proceeding, as they may differ from ours.

No Liability: We do not assume responsibility for how third parties handle your personal information or their policies.

Your Consent Matters

By using (Website Name)'s platform or services and providing your personal information, you consent to its processing in accordance with this Privacy Policy. If you share personal information about others, ensure you have the authority to do so and permit us to use the information as outlined here.

Choice/Opt-out

We respect your choices. You have the option to opt-out of non-essential communications or services after setting up an account. Click the unsubscribe button on emailers to remove your contact information from our lists and newsletters.

Your Control Over Personal Information

We believe in transparency and empowerment when it comes to your personal information. Here's how you can manage your data:

Access and Review:

You have the right to access and review the personal information you've shared with us. Simply make a request, and we'll provide the necessary details. Contact us using the information in the 'Contact Us' section of this policy.

Revoking Consent:

You can revoke your consent for storing e-KYC information, collected during the Aadhaar-based e-KYC process, at any time. Keep in mind that revoking consent may impact your access to certain services. If needed, we may retain your information based on our 'Storage and Retention' policy.

Account Deletion:

If you wish to delete your account or personal information, head to the 'Help' section on the (Website Name) platform. Please note that the retention of your personal information will be in compliance with applicable laws.

To ensure security, we may request specific information to confirm your identity for these requests.

Additional Information and Terms

Product/Service Specifics:

For detailed information about the product or service you're using, refer to the Terms and Conditions accessible through the (Website Name) platform. If you need further clarification, reach out to us using the details in the 'Contact Us' section.

Children Information

(Website Name) is committed to protecting children's privacy. We do not knowingly collect personal information from children under the age of 18. The platform is intended for use by individuals who can legally form a binding contract under the Indian Contract Act, 1872. If you're under 18, use the platform under the supervision of a parent, legal guardian, or a responsible adult.

Policy Changes

As our business evolves, so do our policies. We reserve the right to update this Privacy Policy at our discretion. While we'll make efforts to notify you of changes, it's your responsibility to check for updates. Continued use of our services/platform after changes are posted indicates your acceptance of the revisions. Rest assured, we won't alter policies to compromise the protection of personal information you've already shared.

Reach Out to Us

If you have any questions, concerns, or complaints about how we handle your personal information or this Privacy Policy, our team is here to help. We're committed to addressing your queries within a reasonable timeframe, and any delays will be communicated proactively.