Privacy Policy

Information We Collect

Personal Information

When you register for or use our services, we may collect the following personal information:

• • Full name, email address, phone number, and postal address
• • Business name, GST number, and company registration details
• • Government-issued identification documents (Aadhaar, PAN card) for KYC verification
• • Bank account details and payment information
• • Username, password, and other authentication credentials

Transactional Information

We collect information related to your transactions and service usage, including:

• • Payment transaction details, including amounts, dates, and payment methods
• • API usage logs, request parameters, and response data
• • Order history for shopping portal and courier services
• • Travel booking details including passenger information and itineraries
• • Utility bill payment records and recharge history

Technical Information

We automatically collect certain technical information when you access our platform:

• • IP address, device type, operating system, and browser information
• • Cookies, log files, and similar tracking technologies
• • API keys, access tokens, and session identifiers
• • Geolocation data when using location-based services

How We Use Your Information

We use the collected information for the following purposes:

• • Service Provision: To provide, maintain, and improve our API services including Shopping Portal, Travel Portal, E-KYC, Payments, Courier Services, Utilities, and Loan services
• • Transaction Processing: To process payments, verify identities, facilitate bookings, and complete transactions
• • Account Management: To create and manage your account, verify your identity, and authenticate your access
• • Communication: To send you service updates, transaction confirmations, security alerts, and customer support responses
• • Compliance: To comply with legal obligations, prevent fraud, and ensure regulatory compliance including KYC and AML requirements
• • Analytics: To analyze usage patterns, improve our services, and develop new features
• • Marketing: To send promotional offers and marketing communications (with your consent)

Data Sharing and Disclosure

We may share your information with trusted third parties in the following circumstances:

Service Providers

We share data with third-party service providers who assist us in delivering our services, including:

• • Payment gateways and financial institutions for processing transactions
• • Airlines, hotels, and travel aggregators for booking services
• • Courier and logistics partners for shipment services
• • Utility service providers for bill payment processing
• • Lending partners and NBFCs for loan applications
• • Cloud hosting providers and technology infrastructure partners

Legal Requirements

We may disclose your information when required by law, including:

• • Compliance with court orders, legal processes, or government requests
• • Enforcement of our Terms and Conditions or investigation of violations
• • Protection of our rights, property, or safety, and that of our users
• • Prevention of fraud, security threats, or illegal activities

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, with prior notice to you.

Data Security

We implement industry-standard security measures to protect your information:

However, no method of transmission over the internet is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

Your Rights and Choices

You have the following rights regarding your personal information:

• • Access: You can request access to the personal information we hold about you
• • Correction: You can update or correct inaccurate information through your account settings
• • Deletion: You can request deletion of your personal information, subject to legal retention requirements
• • Opt-Out: You can opt-out of marketing communications at any time
• • Data Portability: You can request a copy of your data in a portable format
• • Withdrawal of Consent: You can withdraw consent for data processing where applicable

To exercise these rights, please contact us using the information provided below.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience and collect information about usage patterns. You can control cookies through your browser settings, though disabling cookies may affect certain features of our platform.

Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected such information, we will take steps to delete it promptly.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Transaction records and KYC documents are retained as per regulatory requirements.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy and applicable data protection laws.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our platform and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.