Effective Date: April 1, 2023
At Apipay (“we,” “our,” “us”), your privacy and trust are important to us. This Privacy Policy explains how we collect, use, share, and protect your information when you access our website, mobile application, or services (“Platform”).
1. Information We Collect
We may collect the following types of information when you use Apipay:
- Personal Information: Name, mobile number, email ID, address, date of birth, PAN, Aadhaar (where required), bank details, etc.
- Transaction Information: Payment history, wallet balance, transaction IDs, UPI IDs, and billing details.
- Device & Technical Information: IP address, device ID, browser type, operating system, and location data.
- KYC Information: Documents submitted for identity verification as mandated by RBI/NPCI.
2. How We Use Your Information
We use your data to:
- Provide, process, and complete payment transactions.
- Verify identity and comply with KYC/AML requirements.
- Communicate updates, alerts, and promotional offers.
- Improve security, fraud detection, and risk management.
- Enhance our services, customer support, and user experience.
- We do not sell your personal information to advertisers or third parties.
3. Sharing of Information
We may share your information with:
- Banks, NPCI, Payment Gateways, and Service Providers (to process your transactions).
- Regulatory Authorities (RBI, law enforcement, tax authorities) as required by law.
- Third-Party Vendors (for analytics, customer support, SMS/Email services, etc.).
We do not sell your personal information to advertisers or third parties.
4. Security
- We use encryption, firewalls, and secure servers to protect your information.
- Despite best efforts, no system is 100% secure; users are advised to safeguard their login credentials.
5. Data Retention
- We retain personal and transaction data for as long as required by law (e.g., RBI/NPCI regulations).
- After legal obligations expire, data may be anonymized or securely deleted.
6. Your Rights
You have the right to:
- Access and update your personal information.
- Withdraw consent (subject to regulatory and contractual restrictions).
- Request deletion of personal data (where legally permissible).
7. Cookies & Tracking
- We use cookies and similar technologies for analytics, personalization, and security.
- You can manage cookie preferences via your browser settings.
8. Third-Party Links
Our Platform may contain links to third-party websites. We are not responsible for their privacy practices or content.
9. Children’s Privacy
Our services are not intended for persons under 18. We do not knowingly collect data from minors.
10. Changes to Privacy Policy
We may update this policy from time to time. Any changes will be posted on our Platform, and continued use will imply acceptance.
11. Contact Us
Apipay Data Protection Officer (DPO)
Email: support@apipay.in
Phone: [+91-XXXXXXXXXX]
