Privacy Policy

1. Information We Collect

We collect information necessary to provide our comprehensive financial services including AEPS, DMT, mobile recharge, and DTH recharge services:

Personal Information:

• Name, address, phone number, and email address
• Government-issued identification documents (Aadhaar, PAN, etc.)
• Bank account details and financial information
• Biometric data for AEPS transactions
• Mobile numbers and DTH subscriber IDs for recharge services

Transaction Information:

• Transaction history and amounts
• Beneficiary details for DMT services
• Recharge history and preferences
• Device and location information for security purposes

2. How We Use Your Information

Your information is used exclusively for:

• AEPS Services: Processing cash withdrawals, balance inquiries, and mini statements
• DMT Services: Facilitating domestic money transfers to beneficiaries
• Mobile & DTH Recharge: Processing recharge requests and maintaining service history
• Compliance: Meeting regulatory requirements and KYC obligations
• Security: Fraud prevention and transaction monitoring
• Customer Support: Resolving queries and providing assistance

3. Information Sharing

We share your information only when necessary:

• Banking Partners: For AEPS and DMT transaction processing
• Service Providers: Mobile operators and DTH providers for recharge services
• Regulatory Bodies: As required by RBI, NPCI, and other financial regulators
• Legal Requirements: When mandated by law enforcement or court orders

4. Data Security

We implement robust security measures:

• End-to-end encryption for all financial transactions
• Secure biometric data handling for AEPS services
• Regular security audits and compliance checks
• Multi-factor authentication and fraud detection systems
• Secure data centers with 24/7 monitoring

5. Data Retention

We retain your information as per regulatory requirements:

• Transaction Records: 10 years as per RBI guidelines
• KYC Documents: 5 years after account closure
• Biometric Data: As per NPCI and UIDAI regulations
• Communication Records: 3 years for customer support purposes

6. Your Rights

You have the right to:

• Access your personal information and transaction history
• Request correction of inaccurate information
• Withdraw consent for non-essential services
• File complaints with our grievance officer
• Approach regulatory authorities for unresolved issues

7. Cookies and Tracking

We use cookies and similar technologies to:

• Enhance user experience on our platform
• Remember your preferences and settings
• Analyze usage patterns for service improvement
• Prevent fraudulent activities

8. Third-Party Services

Our services integrate with:

• NPCI: For AEPS and UPI-based transactions
• Banking Networks: For secure money transfers
• Telecom Operators: For mobile and DTH recharge services
• Payment Gateways: For secure transaction processing

9. Updates to Privacy Policy

We may update this privacy policy to reflect changes in our services or regulatory requirements. We will notify you of significant changes through:

• Email notifications to registered users
• In-app notifications
• Website announcements