{"id":347,"date":"2025-07-17T21:31:26","date_gmt":"2025-07-17T21:31:26","guid":{"rendered":"https:\/\/paykarindia.com\/?page_id=347"},"modified":"2025-08-02T11:40:51","modified_gmt":"2025-08-02T11:40:51","slug":"privacy-policy-2","status":"publish","type":"page","link":"https:\/\/paykarindia.com\/index.php\/privacy-policy-2\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_df5f4c97 has_text_color height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h1><strong>Paykar India Privacy Policy<\/strong><\/h1>\n<p><strong>Operated by Ingeven Payment Private Limited<\/strong><br \/>\n<strong>Website Address:<\/strong> <a href=\"http:\/\/www.paykarindia.com\/\">www.paykarindia.com<\/a><br \/>\n<strong>Effective Date:<\/strong> [01-08-2025]<br \/>\n<strong>Last Updated:<\/strong> [01-08-2025]<\/p>\n<hr \/>\n<h2>1. <strong>Introduction &amp; Purpose<\/strong><\/h2>\n<p>Welcome to <strong>Paykar India<\/strong> (\u201cPaykar\u201d, \u201cwe\u201d, \u201cus\u201d, or \u201cour\u201d), a digital financial services brand owned and operated by <strong>Ingeven Payment Private Limited<\/strong>. This Privacy Policy explains how we collect, use, disclose, and protect your information when you:<\/p>\n<ul>\n<li>Visit or interact with our website: <strong><a href=\"http:\/\/www.paykarindia.com\/\">www.paykarindia.com<\/a><\/strong><\/li>\n<li>Use our mobile or web-based platforms to access services such as <strong>AEPS (Aadhaar Enabled Payment System), DMT (Domestic Money Transfer), Mobile\/DTH Recharge, Bill Payments, Micro ATM, PAN processing<\/strong>, and more.<\/li>\n<li>Are an agent, partner, distributor, or merchant working with our platform.<\/li>\n<\/ul>\n<p>Protecting your privacy is core to our mission of providing secure and trustworthy fintech services across India. We comply with all relevant Indian data protection laws\u2014including the <strong>Information Technology Act, 2000<\/strong>, RBI\/NPCI\/UIDA guidelines, and upcoming regulations such as the <strong>Digital Personal Data Protection Act, 2023<\/strong>.<\/p>\n<p>By accessing or using the <a href=\"http:\/\/www.paykarindia.com\/\">www.paykarindia.com<\/a> website or any of our services, you explicitly consent to the collection and processing of your personal data in accordance with this policy.<\/p>\n<hr \/>\n<h2>2. <strong>Definitions<\/strong><\/h2>\n<ul>\n<li><strong>Personal Data \/ Personal Identifiable Information (PII):<\/strong> Any information that can identify you directly or indirectly (e.g. name, Aadhaar, PAN, bank account, phone number, email).<\/li>\n<li><strong>Sensitive Personal Data (SPDI):<\/strong> Financial details, biometric data, passwords, government-issued identification numbers, and other regulated information.<\/li>\n<li><strong>Non\u2011Personal Data:<\/strong> Aggregated or anonymized data that cannot be linked back to an individual.<\/li>\n<li><strong>Controller \/ Platform:<\/strong> Ingeven Payment Private Limited, operating the brand Paykar India.<\/li>\n<li><strong>Services:<\/strong> The digital products offered under Paykar India\u2014AEPS, recharge, bill pay, DMT, Micro ATM, PAN, etc.<\/li>\n<li><strong>User \/ You \/ Your:<\/strong> Any individual, agent, merchant, partner, or visitor interacting with our services.<\/li>\n<\/ul>\n<hr \/>\n<h2>3. <strong>Information We Collect<\/strong><\/h2>\n<h3>A. <strong>Personal &amp; Sensitive Data<\/strong><\/h3>\n<p>We collect the following when you register, onboard as an agent, or perform transactions:<\/p>\n<ul>\n<li>Full name, date of birth, gender<\/li>\n<li>Aadhaar number and biometric fingerprint (for AEPS)<\/li>\n<li>PAN number, bank account and IFSC, UPI ID<\/li>\n<li>Mobile number, email address, and photo for KYC<\/li>\n<li>Government ID documents (e.g. Aadhaar, voter ID, driver license)<\/li>\n<li>Transaction history across AEPS, DMT, recharges, bill payments<\/li>\n<li>Wallet balances, commissions and adjustment records<\/li>\n<li>Login credentials (username\/password, device ID, IP address)<\/li>\n<li>GPS\/location data (when you use our apps or perform device-based services)<\/li>\n<\/ul>\n<h3>B. <strong>Technical &amp; Usage Information<\/strong><\/h3>\n<p>Automatically collected when you use our website or mobile app:<\/p>\n<ul>\n<li>IP address, browser type, device model, OS<\/li>\n<li>App usage logs, page views, click paths<\/li>\n<li>Session duration, referral and exit URLs<\/li>\n<li>Cookies and identifiers (e.g. tracking, preference cookies)<\/li>\n<\/ul>\n<h3>C. <strong>Third\u2011Party Data<\/strong><\/h3>\n<p>When legally required or with your consent, we may collect:<\/p>\n<ul>\n<li>Credit bureau data for fraud risk assessment<\/li>\n<li>Verification responses from KYC partners<\/li>\n<li>Third-party analytics data (anonymized for insights)<\/li>\n<\/ul>\n<hr \/>\n<h2>4. <strong>How We Use Your Information<\/strong><\/h2>\n<p>We use collected data for legitimate and lawful purposes aligned with the performance of services, compliance, and improvement:<\/p>\n<ul>\n<li><strong>Onboarding &amp; KYC:<\/strong> Verifying identity and enabling registration as agent, merchant, or end user.<\/li>\n<li><strong>Service Delivery:<\/strong> Processing AEPS withdrawals, money transfers, recharges, bill payments, PAN processing.<\/li>\n<li><strong>Commission Management:<\/strong> Tracking agent performance, settlement of commissions, and incentive payouts.<\/li>\n<li><strong>Security &amp; Fraud Prevention:<\/strong> Transaction monitoring, anti-fraud alerts, anomaly detection.<\/li>\n<li><strong>Communications:<\/strong> Sending SMS\/email alerts for transactions, system updates, or support requests.<\/li>\n<li><strong>Customer Support &amp; Grievance Redressal:<\/strong> Managing disputes, refund requests, and technical support tickets.<\/li>\n<li><strong>Regulatory Compliance:<\/strong> Maintaining records to comply with RBI, UIDAI, NPCI, SEBI, and Income Tax Department requirements.<\/li>\n<li><strong>Product Improvement:<\/strong> Analyzing usage patterns, improving user interface, optimizing services.<\/li>\n<li><strong>Marketing &amp; Promotions (with consent):<\/strong> Promotional messages, newsletters or offers sent only after user opt\u2011in.<\/li>\n<\/ul>\n<hr \/>\n<h2>5. <strong>Legal Basis for Processing<\/strong><\/h2>\n<h3>A. <strong>Contractual Obligation<\/strong><\/h3>\n<p>We process user data to perform services you&#8217;ve requested (e.g. money transfer, recharge).<\/p>\n<h3>B. <strong>Compliance with Legal Obligations<\/strong><\/h3>\n<p>Certain data (e.g. KYC data, transaction logs) are retained to comply with Indian law and regulatory requirements.<\/p>\n<h3>C. <strong>Consent<\/strong><\/h3>\n<p>We obtain explicit consent before collecting or processing biometric information and for marketing\/advertising communications.<\/p>\n<h3>D. <strong>Legitimate Interests<\/strong><\/h3>\n<p>We may process data to prevent fraud, manage risk, analyze service usage, and conduct internal audits\u2014ensuring we safeguard users and the platform\u2019s integrity.<\/p>\n<hr \/>\n<h2>6. <strong>Data Sharing and Disclosure<\/strong><\/h2>\n<p>Paykar India shares your data only when necessary and under tightly controlled circumstances:<\/p>\n<h3>A. <strong>Regulatory Authorities<\/strong><\/h3>\n<ul>\n<li>UIDAI for Aadhaar verification<\/li>\n<li>RBI and NPCI for transaction monitoring<\/li>\n<li>SEBI, IRDAI, and Income Tax Department as mandated<\/li>\n<li>Courts or government agencies under lawful process<\/li>\n<\/ul>\n<h3>B. <strong>Payment &amp; Banking Partners<\/strong><\/h3>\n<ul>\n<li>Partner banks and NBFCs for settlements<\/li>\n<li>Utility billers, telecom and DTH companies for payment processing<\/li>\n<li>PAN service providers (e.g. NSDL)<\/li>\n<\/ul>\n<h3>C. <strong>Technology and Service Providers<\/strong><\/h3>\n<ul>\n<li>Cloud and hosting providers located in India<\/li>\n<li>SMS\/Email\/Notification vendors<\/li>\n<li>API\/KYC technology service providers<\/li>\n<\/ul>\n<h3>D. <strong>Internal Personnel<\/strong><\/h3>\n<ul>\n<li>Authorized employees and admins on a strict need\u2011to\u2011know basis<\/li>\n<li>Access controls and audit logs ensure data access transparency<\/li>\n<\/ul>\n<h3>E. <strong>Marketing Agencies (Only with consent)<\/strong><\/h3>\n<ul>\n<li>We may share anonymized or pseudonymized data for promotional analytics, but no PII is sold or disclosed without consent.<\/li>\n<\/ul>\n<hr \/>\n<h2>7. <strong>Data Retention Policy<\/strong><\/h2>\n<p>Retention durations are tied to legal requirements and business needs:<\/p>\n<ul>\n<li><strong>KYC &amp; AEPS documentation:<\/strong> Minimum <strong>5 years<\/strong> after account deactivation<\/li>\n<li><strong>DMT and Recharge Records:<\/strong> Retained for at least <strong>7 years<\/strong> for audit and compliance<\/li>\n<li><strong>PAN Applications:<\/strong> Retained as per NSDL or government norms<\/li>\n<li><strong>Grievance \/ Support Logs:<\/strong> Retained up to <strong>5 years<\/strong><\/li>\n<li><strong>App\/Web Logs:<\/strong> Retained 6 months to 2 years for analytics<\/li>\n<li><strong>Custom Retention Requests:<\/strong> You may request data deletion subject to compliance allowances<\/li>\n<\/ul>\n<p>After the retention period, data is securely deleted or anonymized.<\/p>\n<hr \/>\n<h2>8. <strong>Data Security Measures<\/strong><\/h2>\n<p>We prioritize data protection through robust technical and organizational procedures, including:<\/p>\n<ul>\n<li><strong>Encryption:<\/strong> TLS\/SSL for data in transit; AES\u2011256 for data at rest<\/li>\n<li><strong>Authentication:<\/strong> Multi\u2011factor authentication (MFA) for sensitive dashboards<\/li>\n<li><strong>Access Control:<\/strong> Role-based permissions with audit trails<\/li>\n<li><strong>Penetration Testing:<\/strong> Regular VAPT and security audits by certified vendors<\/li>\n<li><strong>Firewall &amp; Network Security:<\/strong> Layered firewalls, intrusion detection systems<\/li>\n<li><strong>Secure API Usage:<\/strong> Token-based authentication and secure gateways<\/li>\n<li><strong>Physical Security:<\/strong> Secure data center facilities with restricted access<\/li>\n<li><strong>Employee Training &amp; NDA:<\/strong> Mandatory security and confidentiality training<\/li>\n<\/ul>\n<p>We also have incident response protocols to detect, contain, and address breaches promptly.<\/p>\n<hr \/>\n<h2>9. <strong>Your Rights as a Data Subject<\/strong><\/h2>\n<p>You have the following rights regarding your data handled by Paykar India:<\/p>\n<ol>\n<li><strong>Right to Access:<\/strong> Request a copy of your personal data stored with us.<\/li>\n<li><strong>Right to Rectify:<\/strong> Ask for corrections if information is inaccurate or incomplete.<\/li>\n<li><strong>Right to Erasure (\u201cRight to be Forgotten\u201d):<\/strong> Request deletion, subject to legal and regulatory constraints.<\/li>\n<li><strong>Right to Restrict Processing:<\/strong> Limit the use of your data under specific conditions.<\/li>\n<li><strong>Right to Object:<\/strong> Object to direct marketing or processing based on legitimate interests.<\/li>\n<li><strong>Right to Data Portability:<\/strong> Receive your data in a structured format or request transfer to another provider.<\/li>\n<li><strong>Right to Withdraw Consent:<\/strong> Withdraw consent at any time for processing based on prior consent.<\/li>\n<\/ol>\n<p>To exercise any right, you may email <strong><a href=\"mailto:privacy@paykarindia.com\">privacy@paykarindia.com<\/a><\/strong>. We aim to respond within <strong>30 days<\/strong>, as mandated by law.<\/p>\n<hr \/>\n<h2>10. <strong>Cookies, Web Beacons &amp; Tracking Technologies<\/strong><\/h2>\n<h3>A. <strong>Types Used<\/strong><\/h3>\n<ul>\n<li><strong>Essential Cookies:<\/strong> Required for login sessions, authentication, and security<\/li>\n<li><strong>Performance Cookies:<\/strong> Anonymous tracking to understand usage patterns and site analytics<\/li>\n<li><strong>Preference Cookies:<\/strong> Stored user preferences like language, layout<\/li>\n<li><strong>Targeting Cookies (only with consent):<\/strong> For delivering promotional messages or ads<\/li>\n<\/ul>\n<h3>B. <strong>User Control<\/strong><\/h3>\n<p>You can manage or disable cookies through your browser settings. Disabling certain cookies may impact site functionality or user experience.<\/p>\n<h3>C. <strong>Third\u2011Party Tracking<\/strong><\/h3>\n<p>We may use third-party analytics tools (e.g. Google Analytics) which may place their own cookies; these operate under their respective privacy policies.<\/p>\n<hr \/>\n<h2>11. <strong>Children\u2019s Privacy<\/strong><\/h2>\n<p>Our services are intended for users aged <strong>18 years and above<\/strong>. We do <strong>not knowingly<\/strong> collect personal information from individuals under 18. If you believe your child may have provided us with data, please contact us at <strong><a href=\"mailto:privacy@paykarindia.com\">privacy@paykarindia.com<\/a><\/strong> and we will take steps to delete that data.<\/p>\n<hr \/>\n<h2>12. <strong>Data Breach Notification Policy<\/strong><\/h2>\n<p>In the event of a breach involving your personal data:<\/p>\n<ul>\n<li>We will notify affected individuals <strong>within 72 hours<\/strong> from discovery, wherever feasible.<\/li>\n<li>The notice will include the nature of the breach, types of data exposed, and mitigation steps taken.<\/li>\n<li>We will cooperate with regulatory authorities and conduct forensic investigations.<\/li>\n<li>Preventative measures will be implemented to avoid recurrence.<\/li>\n<\/ul>\n<hr \/>\n<h2>13. <strong>Third\u2011Party Websites<\/strong><\/h2>\n<p>Our platform may contain links to <strong>third-party websites or services<\/strong>. Once redirected, those sites are governed by their own privacy practices. We hold no responsibility for their data collection methods or content.<\/p>\n<hr \/>\n<h2>14. <strong>Grievance and Redressal Officer<\/strong><\/h2>\n<p>As per Indian legal requirements (IT Act, 2011 Rules), we have designated a Grievance Officer:<\/p>\n<p><strong>Grievance Officer:<\/strong> Mr. [Insert Name]<br \/>\n<strong>Email:<\/strong> <a href=\"mailto:grievance@paykarindia.com\">grievance@paykarindia.com<\/a><br \/>\n<strong>Phone:<\/strong> [Insert Contact Number]<br \/>\n<strong>Address:<\/strong> Ingeven Payment Private Limited, [Insert Office Address], India<\/p>\n<p>Complaints will be acknowledged within <strong>2 working days<\/strong> and resolved within <strong>21 working days<\/strong>.<\/p>\n<hr \/>\n<h2>15. <strong>Policy Updates<\/strong><\/h2>\n<p>We may update this Privacy Policy periodically due to:<\/p>\n<ul>\n<li>Regulatory or legal changes<\/li>\n<li>New product or service features<\/li>\n<li>Security enhancements<\/li>\n<\/ul>\n<p>When significant changes occur, we will notify you via email, in-app notifications, or our website banner. <strong>Please review this page regularly<\/strong> to stay informed of changes.<\/p>\n<hr \/>\n<h2>16. <strong>International Data Transfers<\/strong><\/h2>\n<p>All data is processed and stored <strong>only within India<\/strong>. No personal data is transferred outside Indian borders except if required by law, with proper safeguarding and user consent.<\/p>\n<hr \/>\n<h2>17. <strong>Governing Law and Jurisdiction<\/strong><\/h2>\n<p>This Privacy Policy and its handling of personal data is governed by the laws of the <strong>Republic of India<\/strong>, including but not limited to:<\/p>\n<ul>\n<li><strong>Information Technology Act, 2000<\/strong><\/li>\n<li><strong>Aadhaar (Targeted Delivery of Financial and Other Subsidies) Act, 2016<\/strong><\/li>\n<li><strong>NPCI, RBI, and UIDAI guidelines and circulars<\/strong><\/li>\n<li><strong>Digital Personal Data Protection Act, 2023<\/strong> (as applicable)<\/li>\n<\/ul>\n<p>All disputes arising from or related to this policy or our services shall be subject to the <strong>courts in Patna, Bihar, India<\/strong>.<\/p>\n<hr \/>\n<h2>18. <strong>Contact for Privacy Queries<\/strong><\/h2>\n<p>If you have any questions, data access requests, complaints, or need assistance regarding this Privacy Policy or your data, please contact:<\/p>\n<p>\ud83d\udce7 <strong><a href=\"mailto:privacy@paykarindia.com\">privacy@paykarindia.com<\/a><\/strong><br \/>\n\ud83d\udcde <strong>[Insert Phone Number]<\/strong><br \/>\n\ud83c\udf10 <strong><a href=\"http:\/\/www.paykarindia.com\/\">www.paykarindia.com<\/a><\/strong><br \/>\n\ud83d\udccd <strong>Registered Office:<\/strong> Ingeven Payment Private Limited, [Insert Registered Address]<\/p>\n<hr \/>\n<p><em>Thank you for trusting Paykar India. We are committed to keeping your data safe, secure, and handled with integrity.<\/em><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"Paykar India Privacy Policy Operated by Ingeven Payment Private Limited Website Address: www.paykarindia.com Effective Date: [01-08-2025] Last Updated: [01-08-2025] 1. Introduction &amp; Purpose Welcome to Paykar India (\u201cPaykar\u201d, \u201cwe\u201d, \u201cus\u201d, or \u201cour\u201d), a digital financial services brand owned and operated by Ingeven Payment Private Limited. This Privacy Policy explains how we collect, use, disclose, and...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-347","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/paykarindia.com\/index.php\/wp-json\/wp\/v2\/pages\/347","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/paykarindia.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/paykarindia.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/paykarindia.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/paykarindia.com\/index.php\/wp-json\/wp\/v2\/comments?post=347"}],"version-history":[{"count":5,"href":"https:\/\/paykarindia.com\/index.php\/wp-json\/wp\/v2\/pages\/347\/revisions"}],"predecessor-version":[{"id":729,"href":"https:\/\/paykarindia.com\/index.php\/wp-json\/wp\/v2\/pages\/347\/revisions\/729"}],"wp:attachment":[{"href":"https:\/\/paykarindia.com\/index.php\/wp-json\/wp\/v2\/media?parent=347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}