Introduction
We encourage you to read this Privacy Policy carefully to understand our practices regarding your personal information. By accessing or using our Website/App, or by providing your personal information to us, you acknowledge that your information may be processed in accordance with this Privacy Policy and applicable laws.
If you do not agree with the terms of this Privacy Policy, please discontinue your use of the Website/App and refrain from providing your personal information.
Changes to This Privacy Policy
We reserve the right to revise or update this Privacy Policy from time to time. Any changes will be published on this page, and we encourage you to review the policy periodically to remain informed about how we collect, use, and protect your personal information.
Your continued use of the Website/App following the publication of changes will be subject to the revised Privacy Policy, to the extent permitted by applicable law.
This Privacy Policy should be read together with our Terms and Conditions and any other applicable terms governing your use of our products and services.
Personal Information We Collect
Depending on the products or services you access or request, we may collect the following categories of personal information:
Personal and Identification Information
Information such as your name, email address, telephone number, residential address, date of birth, educational details, and identification documents, including Aadhaar, PAN, passport, voter identification, or driving licence details, where applicable and lawfully required.
Financial and Transactional Information
Information relating to your transactions, account balances, payment details, transaction history, and other information required to process payments or facilitate money transfers through the payment channels made available by us.
Financial Assessment Information
Information relating to your income, credit history, or other financial details, where necessary for assessing your eligibility for specific products or services and where permitted by applicable law.
Documents and Images
Photographs, scanned copies, and images of documents that may be required to verify your identity or enable you to access particular products or services.
Customer Support Information
Voice recordings and related communication records generated during interactions with our customer support representatives for addressing queries, complaints, or grievances.
Device and Application Information
Subject to applicable permissions and legal requirements, we may collect certain information from your device when you use our application, including device location, device model, storage-related information, mobile network details, communication information, contacts, call logs, and information relating to transactional or promotional SMS messages and application notifications.
We collect such information only as necessary for the relevant purpose and subject to applicable consent, permissions, and legal requirements.
How We Use Your Personal Information
We may use your personal information for legitimate business purposes, including providing our products and services and facilitating services offered by our authorised partners. These purposes may include:
Processing, facilitating, and recording transactions, including generating transaction reports.
Conducting research and analytics to improve our products, services, security, and service quality.
Reviewing and processing applications, requests, instructions, and other requirements submitted by you.
Informing you about updates, modifications, and changes to our products, services, and applicable terms.
Receiving, investigating, and resolving complaints, claims, disputes, and grievances.
Responding to your queries, feedback, and requests for assistance.
Verifying your identity and completing applicable authentication procedures.
Conducting credit checks, screening, due diligence, and other verification procedures where lawfully required.
Monitoring and reviewing the performance, use, and effectiveness of our products and services.
Preparing financial, regulatory, operational, and management reports and maintaining appropriate risk management systems.
Conducting audits, maintaining business records, and fulfilling applicable legal and regulatory obligations.
Communicating relevant offers, promotions, and information about products or services, subject to applicable consent and communication preferences.
Sharing and Disclosure of Personal Information
We may share your personal information with our group companies, affiliates, authorised service providers, business partners, and other relevant third parties where necessary to provide our products and services or fulfil legitimate business and legal requirements.
Such sharing may occur for the following purposes:
Facilitating transactions and providing access to our products and services.
Supporting payment processing, identity verification, technology operations, and customer support.
Complying with applicable laws, regulatory requirements, court orders, and lawful requests from competent authorities.
Enforcing our Terms and Conditions and protecting our legal rights.
Preventing, detecting, investigating, and mitigating fraud, unlawful activities, or security risks.
Supporting authorised marketing, advertising, and promotional activities, where permitted by applicable law.
We may also share aggregated or anonymised information that does not identify an individual personally, where appropriate.
We will not disclose your personal information to third parties for their independent marketing or advertising purposes without your explicit consent, wherever such consent is required by applicable law.
Disclosure Required by Law
We may disclose personal information where we reasonably believe that such disclosure is necessary to comply with a legal obligation, court order, subpoena, regulatory direction, or other lawful process. We may also disclose information to law enforcement authorities or other authorised parties where necessary to investigate suspected fraud, protect our rights, address third-party claims, or safeguard the rights, property, or personal safety of our users or the public.
Business Transfers and Corporate Transactions
In the event of a merger, acquisition, sale of assets, restructuring, amalgamation, or other corporate transaction, your personal information may be transferred to the relevant acquiring or successor entity, subject to applicable law and appropriate safeguards. Any such entity will be required to handle the information in accordance with applicable legal requirements and relevant privacy commitments.
Retention and Deletion of Personal Information
You may request the deletion of your account through the relevant functionality available on our Website/App, where supported.
Upon account deletion, we will cease processing your personal information for purposes that are no longer necessary, subject to applicable law, legitimate retention requirements, and any continuing obligations relating to the provision of services.
We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, or for any additional period required or permitted by applicable law.
Certain transaction records, financial information, and other documents may need to be retained after account deletion to meet statutory, regulatory, accounting, audit, or other legal obligations. We may also retain relevant information where required in connection with ongoing legal proceedings, regulatory investigations, disputes, or lawful directions issued by competent authorities.
Once the applicable retention period expires and the information is no longer required, we will securely delete, destroy, or anonymise it in accordance with our data retention practices and applicable law.
Cookie Policy
Cookies are small text files stored on your browser or device that enable a website to recognise your browser, remember certain preferences, and improve your browsing experience.
We may use cookies and similar tracking technologies depending on the features and functionality offered through our Website/App. These technologies may help us understand website usage, improve performance, enhance security, and provide a better user experience.
Cookies may be associated with information you have previously provided to us. Where required by applicable law, we will obtain the necessary consent for the use of cookies and similar technologies.
You may manage or disable cookies through your browser settings. However, disabling certain cookies may affect the availability or functionality of some features.
Links to Third-Party Websites
Our Website/App may contain links to websites, applications, or digital platforms operated by third parties. These external platforms are not controlled by us, and this Privacy Policy does not govern their data collection or processing practices.
We recommend that you review the privacy policies and terms of use of any third-party website or application you visit. We are not responsible for the privacy practices, content, or security measures of third-party platforms, except to the extent provided under applicable law.
Security Measures and Data Protection
We implement reasonable technical and organisational security measures to protect your personal information against unauthorised access, misuse, loss, alteration, disclosure, or destruction.
These measures may include secure server protocols, encryption, access controls, authentication mechanisms, and periodic assessments of our information security systems. Our security practices may also be reviewed or audited by independent cybersecurity professionals from time to time.
Where supported by our application, additional security features may include login and logout controls, application lock functionality, device binding, and OTP-based authentication to help prevent unauthorised access from unrecognised devices.
Although we take reasonable steps to safeguard your information, no electronic transmission or storage system can be guaranteed to be completely secure.
You are responsible for maintaining the confidentiality of your login credentials, passwords, and OTPs. Please do not share these details with anyone. If you suspect unauthorised access to your account, please contact us promptly through our designated support channels.
Communication Preferences and Opt-Out
We may send you service-related communications, including transaction confirmations, security alerts, account updates, and other important notices necessary for providing our products and services.
Where permitted by applicable law, we may also send promotional or marketing communications relating to our products, services, or partner offerings.
You may opt out of receiving non-essential promotional communications by using the unsubscribe option included in our emails or by following the applicable opt-out mechanism made available through our Website/App.
Opting out of promotional communications will not affect essential service-related notifications or communications that we are legally required to send.
Your Consent and Rights
By using our Website/App or providing personal information to us, you acknowledge the collection and processing of your information for the purposes described in this Privacy Policy, subject to applicable law and any consent requirements.
Where consent is required, we will seek it in the manner prescribed by applicable law. You may withdraw your consent or exercise applicable rights concerning your personal information through the channels made available by us, subject to legal, contractual, and operational requirements.
Withdrawal of consent may affect our ability to provide certain products or services where the relevant information is necessary for their delivery or where processing is otherwise legally required.
If we make changes to this Privacy Policy, we will publish the revised version on this page and provide additional notice where required by applicable law.
Grievance Redressal
In accordance with applicable laws and regulations, including relevant provisions of the Information Technology Act, 2000, and the rules made thereunder, where applicable, we provide a grievance redressal mechanism for addressing privacy-related concerns, complaints, or requests.
Grievance Redressal & Compliance Office
For any grievances, queries, or requests concerning this Privacy Policy, you may contact our designated team at: